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Reviewed by Gisela Dixon for Readers' Favorite
Retirement Planning: A Simple Guide for Individuals by RK Mohapatra is a good book on retirement strategies and planning, along with solid financial management tips. Retirement Planning is specifically written for investors and people who would be investing in India. The book is divided into several chapters on topics including budgeting, importance of long-term financial planning, meaning of basic financial tools and terminologies, mutual funds and expense ratios, stocks, commonly used financial indexes and benchmarks (Sharpe ratio, alpha, beta, etc.), calculation of interest vs. inflation, insurance, as well as information on specific funds in India such as PPF. All of this and more is divided neatly into chapters so that information is easily to find and well categorized.
This is an excellent book on individual and personal financial planning. What I really liked about the book is the manner in which terms and strategies are simply explained so that they can be easily understood by a lay person. Another huge advantage is the real examples and analyses provided throughout the book that show how to calculate expenses vs interest rate over different periods of time for different funds. All of the examples and information are based on Indian government rates and funds available in India. However, for a person investing elsewhere this is still an excellent insight into overall retirement planning and strategies as the basic principles remain the same. An excellent book written in a very easy to understand manner that I would recommend to readers of any ages. It is never too early to start saving.