Arpaan G Begdai is a Fellow Actuary of the Institute of Actuaries of India and the Institute and Faculty of Actuaries (UK), with over 15 years of experience in retirement and employee benefits across India and the UK. He specializes in the design and valuation of benefit schemes, combining actuarial rigor with practical implementation. He is keenly interested in building innovative risk management and financial product solutions to address the evolving needs.
When it comes to retirement planning, retirees should focus less on long-term average investment returns and more on the actual returns they experience after inflation.
Retirement planning often relies on “safe” withdrawal rates. But in a changing global economy, their long-term sustainability depends on how returns, inflation and longevity evolve.
