NISM Series XVII: Retirement Adviser Certification Examination Notes

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  • Market-Linked Returns: Investments like equity offer higher potential returns but come with volatility compared to fixed-return instruments.
  • Fixed Return Investments: Fixed-return instruments like bonds provide stable but lower returns, requiring higher principal contributions.
  • Early Saving Advantage: Starting retirement savings early reduces the monthly contribution needed due to longer compounding periods.
  • Budgeting for Savings: Budgeting instills discipline to allocate income for retirement savings, especially when income is limited.
  • Retirement Corpus Estimation: Estimating the required corpus involves factoring in expected expenses, inflation, and life expectancy.

NISM 17 Retirement Adviser

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