# Experts warn common retirement planning mistakes hurt savings 2026-08-08T06:24:44+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Starting early, investing consistently, and maintaining the right mix of assets are critical for retirement planning, financial experts tell Livemint. Many investors delay saving or rely on a single product, shrinking their eventual corpus. Tax and inflation assumptions matter too: a 7 per cent return can fall below 5 per cent post-tax for retirees in higher slabs, warns Apurv Gupta of Otto Money. Soban Udasi of Tata Asset Management advises not to stop systematic investment plans (SIPs) during market dips. The key is a holistic approach, not chasing a target number alone. ## Coverage - livemint.com Tags: asset allocation, inflation, mutual funds, retirement planning, SIP, tax Canonical: https://indianopinion.org/experts-warn-common-retirement-planning-mistakes-hurt-savings/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/experts-warn-common-retirement-planning-mistakes-hurt-savings/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.