{"id":298,"date":"2020-02-10T12:29:16","date_gmt":"2020-02-10T12:29:16","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=298"},"modified":"2026-04-09T09:18:03","modified_gmt":"2026-04-09T09:18:03","slug":"4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/","title":{"rendered":"4 ways to make a retirement plan to achieve coveted financial goals with bond investment."},"content":{"rendered":"\r\n

\u201cRetirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.\u201d<\/p>\r\n\r\n\r\n\r\n

\u2013 Jonathan Clements<\/p>\r\n\r\n\r\n\r\n

On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!<\/p>\r\n\r\n\r\n\r\n

One way to have a smooth and secure retirement is by building a strong and diverse investment portfolio that mitigates financial turbulence. It is recommended that anyone approaching retirement should allocate a percentage of their wealth in fixed-income investments. Adding bonds and debentures<\/a> to your financial portfolio has a number of benefits that will help you meet your financial goals with ease. Now there is an option to invest in bonds and debentures<\/a> online and earn regular fixed interest payments.<\/p>\r\n\r\n\r\n\r\n

In this article, we\u2019ve listed down some common retirement goals and how bond investment can be used to fulfill them:<\/p>\r\n\r\n\r\n\r\n

1.Make Money While Preserving the Capital<\/h3>\r\n\r\n\r\n\r\n

In this simple buy and hold bond strategy<\/a>, all you need to do is buy the bond and hold it till the maturity date. You will earn interest and grow your wealth till the date of maturity, and the best part is your principal amount will be paid back completely at the end of the bond term. The most important parameters to consider while holding bonds until maturity<\/a> is the credit rating and interest rates. This way you\u2019ll be able to ensure that you earn higher returns than bank fixed deposits while having the assurance that your money is safe and will be returned as promised.<\/p>\r\n\r\n\r\n\r\n

2. A Source of Regular Income<\/h3>\r\n\r\n\r\n\r\n

The Bond Ladder Strategy is a method of investing in a bundle of different bonds that offer payments at varying intervals and with varying maturity dates. This way you will have a guarantee of earning payments at regular intervals. Further, you can reinvest the principal amount of a matured bond back into another bond with a maturity date that\u2019s more than your current portfolio<\/a> of bonds. This foolproof technique will keep the payments cycle ongoing for as long as you want.<\/p>\r\n\r\n\r\n\r\n

3. Build a Short-term Emergency Fund<\/h3>\r\n\r\n\r\n\r\n

An emergency fund is an essential corpus for senior citizens and retired individuals who may need immediate cash in case of any unexpected situations. These investments<\/a> should be in a liquid form even if the returns earned are not as high as you\u2019d have preferred. There are several short-term bonds available in the market with tenures varying from 1 \u2013 5 years, and with returns starting at 8.8% onwards.<\/p>\r\n\r\n\r\n\r\n

2. Earn tax-free income<\/h3>\r\n\r\n\r\n\r\n

Tax on return of bond-investment<\/a> is an important parameter to be considered. Tax-free bonds are issued by government bodies and institutions to fund certain government<\/a> projects and activities. This is an ideal investment for individuals who have surplus money and would like to park it in a safe investment fund without having to pay tax. As the interest earned is tax-free there is no TDS applicable, and the individual can enjoy the returns without any deductions. However, one point to note regarding tax-free bonds is that they are usually long term investments and don\u2019t provide monthly payouts.<\/p>\r\n\r\n\r\n\r\n

Conclusion<\/h2>\r\n\r\n\r\n\r\n

While bonds are great instruments to have in your portfolio, it\u2019s also crucial that retired individuals allocate adequately to other asset classes as well. A diverse financial portfolio is the best-friend of a retiree and we suggest the same to all of you. The second most important thing to consider while choosing bonds for your portfolio is the credit-rating and the overall financial performance of the bond holding company. If you get these 2 factors right, rest assured, you\u2019re set for a relaxed and happy life of retirement.<\/p>\r\n\r\n\r\n\r\n

Explore bonds online.<\/a><\/p>\r\n","protected":false},"excerpt":{"rendered":"

\u201cRetirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that…<\/p>\n","protected":false},"author":4,"featured_media":12034,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[24],"tags":[32,33],"class_list":["post-298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-market","tag-retirement-planning","tag-personal-finance"],"yoast_head":"\n4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:author\" content=\"goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-10T12:29:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T09:18:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy | CEO & CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy | CEO & CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/\",\"name\":\"4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png\",\"datePublished\":\"2020-02-10T12:29:16+00:00\",\"dateModified\":\"2026-04-09T09:18:03+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\"},\"description\":\"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png\",\"width\":731,\"height\":347,\"caption\":\"JM Financial Products Limited NCD IPO\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4 ways to make a retirement plan to achieve coveted financial goals with bond investment.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\",\"name\":\"Abhijit Roy | CEO & CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy | CEO & CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"sameAs\":[\"goldenpitech\",\"https:\/\/www.linkedin.com\/company\/goldenpi\/\",\"https:\/\/x.com\/GoldenPiTech\"],\"url\":\"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs","description":"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/","og_locale":"en_US","og_type":"article","og_title":"4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs","og_description":"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!","og_url":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_author":"goldenpitech","article_published_time":"2020-02-10T12:29:16+00:00","article_modified_time":"2026-04-09T09:18:03+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png","type":"image\/png"}],"author":"Abhijit Roy | CEO & CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy | CEO & CO-Founder - GoldenPi","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/","url":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/","name":"4 ways to make a retirement plan to achieve coveted financial goals with bond investment. - GoldenPi | Blogs","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png","datePublished":"2020-02-10T12:29:16+00:00","dateModified":"2026-04-09T09:18:03+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722"},"description":"On retirement, one may plan to enjoy a vacation, another may think of the entrepreneur journey: in either of the cases, you need to be financially sound. Plan your retirement today!","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2020\/02\/24162742\/JM-Financial-Products-Limited-NCD-IPO_-Should-You-Invest_.png","width":731,"height":347,"caption":"JM Financial Products Limited NCD IPO"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/4-ways-to-make-a-retirement-plan-to-achieve-coveted-financial-goals-with-bond-investment\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"4 ways to make a retirement plan to achieve coveted financial goals with bond investment."}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722","name":"Abhijit Roy | CEO & CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy | CEO & CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","sameAs":["goldenpitech","https:\/\/www.linkedin.com\/company\/goldenpi\/","https:\/\/x.com\/GoldenPiTech"],"url":"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=298"}],"version-history":[{"count":5,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/298\/revisions"}],"predecessor-version":[{"id":12681,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/298\/revisions\/12681"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12034"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}