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Turning 40 With No Retirement Fund? Here’s How You Can Still Catch Up
NDTV Profit 3 hrs ago·18 Oct 2026, 6:45 am
Reaching age 40 without a retirement corpus can feel daunting, but it is not too late to start building wealth. The key is to adopt a disciplined approach that balances growth with stability. Since you have a shorter time horizon, a strategic mix of equity and debt assets can help you accelerate wealth creation while managing risk effectively.
For investors in this situation, the focus should be on maximizing contributions to tax-saving instruments like the Public Provident Fund (PPF) or Equity Linked Savings Scheme (ELSS). These options not only provide tax benefits but also ensure regular savings. Additionally, diversifying into mutual funds or index funds can provide exposure to the broader market, which historically offers higher returns over the long term.
Moving forward, monitor your asset allocation regularly to ensure it aligns with your risk tolerance and financial goals. Avoid making impulsive decisions based on market volatility. Consistency in investing and staying informed about economic trends will be crucial in catching up on your retirement savings.
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