Portfolio Management Strategies for Retirement Funds in an Aging Population
Harshil Naruka, Dr Priyanka Ranawat, Abhitabh Bachchan Saini,
Assistance Professor, NIMS University. Jaipur. India
MBA (Marketing & Finance). NIMS University. Jaipur, India
MBA (Finance & Logistics). NIMS University. Jaipur, India
1. priyanka.ranawat@nimsuniversity.org 2. harshilnaruka@gmail.com 3.asaini1353@gmail.com
ABSTRACT: The worldwide ageing populace gives precise challenges and possibilities for retirement fund control. As life expectations boom and start costs decline, the demographic panorama shifts closer to older people, necessitating progressive portfolio management strategies tailor-made to this changing environment. This research paper explores the consequences of a growing old populace on retirement finances and proposes strategic adjustments to make sure financial stability and growth amidst demographic modifications. Through a comprehensive evaluation of present-day trends, monetary theories, and empirical studies, we perceive key considerations for portfolio management, including asset allocation, threat management, and funding diversification. We argue that a hit retirement fund control in a growing older society calls for a multifaceted technique that balances lengthy-term sustainability with the want to evolve to evolving demographic patterns. By adopting techniques that leverage technological improvements, sustainable investing, and active engagement with stakeholders, retirement finances can navigate the complexities of a growing old populace, ensuring they meet the desires of future retirees. Our findings underscore the significance of proactive making plans, flexibility, and innovation in portfolio management, highlighting pathways for retirement budget to thrive in the face of demographic shifts.
KEYWORDS: Research Paper, Retirement Funds, Portfolio Management, Aging Population, Investment Strategies, Asset Allocation, Risk Management, Pension Funds, Retirement Planning, Longevity Risk, Income Generation.
