What should I do if the stock market crashes 25% just after I retire?
Published 18 September 2026
Your opinion Ravi?
If you have already kept two to three years of near-term requirements in safer instruments, the market fall should not immediately impact your ability to meet your expenses.
If your equity falls from 100 to 70, it will definitely hurt from a mindset point of view.
But the important question is whether it is hurting you from a consumption or withdrawal point of view.
If your immediate requirements are coming from the safer bucket, you are not forced to withdraw that equity at 70.
The safer bucket is what gives you the ability to wait through the volatility in equity.
“Is it hurting you today more from a mindset point of view? The answer is yes. Is it hurting you from a consumption point of view or withdrawal point of view? The answer is no.”
“The requirement is going to come out from the other bucket, which is on the safer side and is not volatile.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here
If your equity falls from 100 to 70, it will definitely hurt from a mindset point of view.
But the important question is whether it is hurting you from a consumption or withdrawal point of view.
If your immediate requirements are coming from the safer bucket, you are not forced to withdraw that equity at 70.
The safer bucket is what gives you the ability to wait through the volatility in equity.
“Is it hurting you today more from a mindset point of view? The answer is yes. Is it hurting you from a consumption point of view or withdrawal point of view? The answer is no.”
“The requirement is going to come out from the other bucket, which is on the safer side and is not volatile.”
This question and answer is derived from the podcast between Ravi and Sachin. See the full podcast here