How much equity should a retired person have? Does age decide it?
Published 18 September 2026
Your opinion Ravi?
Age alone should not decide your equity allocation.
The first thing to understand is your risk capacity, historical behaviour with your investments, willingness to take risk and your future financial requirements.
A 65-year-old who has a pension taking care of regular expenses can potentially have more exposure to equity than a 45-year-old who needs a large amount of money in five years.
If the requirement is near-term, you need to be cautious irrespective of whether you are 45, 50 or 65.
The time available before you need the money matters more than simply your age.
“Whether you are 45 or 65, the fact remains that if your requirement is near-term, you need to be cautious.”
“When you’re looking at an instrument like equity, you have to give it time.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.
The first thing to understand is your risk capacity, historical behaviour with your investments, willingness to take risk and your future financial requirements.
A 65-year-old who has a pension taking care of regular expenses can potentially have more exposure to equity than a 45-year-old who needs a large amount of money in five years.
If the requirement is near-term, you need to be cautious irrespective of whether you are 45, 50 or 65.
The time available before you need the money matters more than simply your age.
“Whether you are 45 or 65, the fact remains that if your requirement is near-term, you need to be cautious.”
“When you’re looking at an instrument like equity, you have to give it time.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.