Retirement Withdrawal Strategy: How The Three-Bucket Plan Works

In this interview, Nishant Batra, co-founder and CEO of Holistic Prime Wealth, explains how retirees can plan withdrawals while protecting their long-term financial security. He breaks down the three-bucket strategy, the importance of maintaining liquidity, and how to balance regular expenses with long-term wealth creation. The conversation also explores sequence-of-returns risk, the role of equity and fixed-income investments, and withdrawal planning across EPF, PPF, NPS, mutual funds, and fixed deposits. Discover practical insights into retirement income, asset allocation, and managing market volatility to build a more sustainable retirement plan.