New Delhi, Aug. 5 -- For many Indians in their 40s and 50s, financial pressure comes from managing several responsibilities at the same time.

Home loan repayments, children's education, parents' healthcare, insurance premiums and retirement investments often compete for the same monthly income. Even families with strong salaries and growing portfolios may face a cash-flow crunch when an unplanned expense arises.

This is particularly relevant for the sandwich generation, which supports aging parents while providing for children and preparing for its own retirement.

When a Medical Expense Disrupts Long-Term Investing

Vikram and Neha, whose names have been changed, are both in their 40s and have two school-going children. Vikram's retire...