All investors have legacy portfolios. There are real estate, PPF, EPF, NPS, FDs, Gold, Stocks, PMSs, different schemes of Mutual Funds, different asset allocations, different corpus sizes, and different risk tolerance levels. Portfolio realignment decisions are never straightforward.

Therefore, the discussion that follows in this article only provides a simple framework for investors to think about managing their corpus post-FIRE. Do not blindly implement it. Read More