New Delhi, March 25 -- If you are aiming to have a pleasant retirement, you must plan your finances well in advance. Beginning retirement personal finance planning at 40 can feel late; still, with focused action, you can end up accumulating a reasonable corpus.

Sumit Sharma, founder of Radian Finserv, says, "Starting retirement planning at 40 is not late-it simply calls for sharper discipline and clarity. The focus should shift from chasing high returns to building a consistent, goal-aligned portfolio through a mix of fixed income, equities, and regular savings. By prioritising steady contributions, managing risks, and gradually increasing allocations as income grows, individuals can still create a meaningful retirement corpus and financ...