Retirement-focused products that promise certainty can look attractive. The returns are guaranteed, and locking into a fixed rate feels reassuring at a time when deposit rates are declining.
The challenge isn't in selling -- it's easy to sell when the market peaks. The real challenge is in buying back.
A flavour-of-the-season approach does not work in investing, suggests Deepesh Raghaw.
Systematic withdrawal plans in equity funds can spell trouble in a falling market, points out Deepesh Raghaw.
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