Page 20 - Seniorstoday Nov 2024 Issue

from the incomed generated out of the sale discipline. Age should never be a limitation
proceeds.
d) Their portfolio consisted of over fifty
difference equities and mutual funds
and it was becoming difficult to manage
them. They truncated their holdings to
ten of each, enabling a better tracking of
performance and price movements.
e) They created a systematic withdrawal
plan to fund their periodic vacations and
travels. They had decided on a minimum
of two foreign and two domestic travels
with each other. Nothing can beat travel
experiences.
f) They created a separate stream of annual
maturity investments with the objective
of hosting a an annual get together of their
relatives and friends on their wedding
anniversary, as an expression of their
gratitude and joy for being a part of their
lives.
g) They diverted a part of their holdings
to create two medical emergency corpuses,
to provide for any hospitalisation and
treatment.
h) They ensured the nomination of their
spouse and children in each other’s holding
in identical 50:25:25 ratio.
i) With the help of their trusted lawyer
friend, they executed their respective wills
and appointed executors.
j) In the interest of maintaining their
health in a fun way and to keep each other
motivated, they joined aerobic, yoga and
dance classes. This helped them maintain a
20
after all. They also made it a point to
walk a minimum of 5 kms every day in a
nearby promenade, besides subsisting on a
tempered and nutritious diet.
k) They decided to read a minimum of
three books each month and become a
member of a book club, where they can
have interesting analysis and appreciation
of various forms of writing and meet
interesting people with common interests.
l) They actively associate with a few
worthy causes and NGOs and help out in
whatever way they can, be it time or money
or knowledge sharing.
m) Once a week, without fail, they retreat
to a meditation haven for day, just to be by
themselves and get to terms with what their
life has been, is and will be.
We all come to this world empty handed
and will go out empty handed. The
interregnum is a journey of learning and
unlearning, conscious and unconscious
acts, destiny and serendipity, friendship
and enmity, religion and relationships,
marriages and divorces, wealth and health,
wellbeing and sickness, profits and losses,
success and failure, joy and sorrow, cries
and silence, investment and divestment
and an array of emotions and experiences.
Different phases will onset different tests
and tribulations and it is for us to respond
to them as well as possible.
Senescence is no different; divestment,
detachment and deportment are ineluctable
as ever. Quite simply, we need to prepare
for our terminal journey.