At sixty, you take 60% as lump sum, must buy annuity with 40%—all that paperwork, I read it until my eyes went *thak-thak*. But honestly? I regret putting so much in debt funds, thinking "safe". My own sister’s fees I'm paying… if I'd gone aggressive earlier, her loan might be gone by now. Life’s real risk isn't market fall, it's not growing enough.
#chess#blitz
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