Rs 2 crore retirement fund at risk during market crash? Here’s how to make it more resilient

Vinayak Magotra, product head & founding team, Centricity WealthTech, says for someone eyeing a retirement in a few years from now, they can start rebalancing their retirement portfolio at least 24 months before the actual retirement date. Nehal Mota, co-founder & CEO, Finnovate, suggests bucket strategy is an effective way to manage this risk at retirement, where one needs to allocate 3–5 years of expenses in low-risk instruments like liquid funds or fixed deposits.