Retirement Investing: Why 'Playing Safe' Can Be Risky | RIA Ravi Natarajan

Retirement is often treated as the point where you should stop taking risk. But what if avoiding market risk creates a different set of risks - inflation, falling interest rates, loss of purchasing power and the possibility of outliving your money? In this Foliyo RIA Conversation, Sachin Kabra speaks with RIA Ravi Natarajan about how asset allocation should change after retirement - and why "capital protection" and "purchasing-power protection" are not the same thing. The conversation covers: Why retirement can easily last 20-25 years Capital protection vs purchasing-power protection Why relying only on FDs can create its own risk How to think about equity exposure after retirement A Rs 2 crore corpus / Rs 10 lakh annual spending case Bucketing short-, medium- and long-term needs SWPs and maintaining 2-3 years of safer cash-flow needs How rebalancing helps manage volatility What happens when retirement is genuinely underfunded Why the 4% rule and "100 minus age" can be poor universal shortcuts Why both spouses need to understand the family's finances Wills, succession and late-life portfolio decisions Why age alone should not automatically push equity allocation to zero A key idea from the discussion: The real objective after retirement is not to eliminate volatility. It is to make sure your lifestyle can continue through inflation, market cycles and a retirement that may last decades. Guest: RIA Ravi Natarajan (Co-founder, Finintent Advisors) Host: Sachin Kabra | Foliyo Full chapters below. 00:00 Introduction & Guest Welcome 00:40 Shift in Post-Retirement Mindset 01:34 Capital Protection vs Purchasing Power Protection 03:41 Equity Exposure & Financial Risk 06:49 Case Example: Rs 2 Crore Corpus 10:46 Bucketing Strategy & SWP 13:01 Market Volatility & Rebalancing 18:25 Unfunded Retirement Scenarios 21:04 Debunking Universal Rules 23:26 Spousal Involvement & Wills 26:23 Late-Life Strategy Shifts 32:21 Conclusion & Key Takeaways Disclaimer: This conversation is for education and general information only. It is not personalised investment, tax or legal advice. Asset allocation and withdrawal decisions depend on individual circumstances, risk capacity, goals and cash-flow requirements.