What West Bengal just
reminded everyone

You must have heard many perspectives on West Bengal by now. Here is ours. Whether it is politics or investing, putting everything behind one outcome is risky.

Recently, India witnessed a moment that caught many by surprise. The West Bengal Assembly Elections 2026 delivered a decisive shift in power in a state that had seen nearly five decades of political continuity under just two dominant regimes.

For those following closely, it was intense and, for many, unexpected. But even for those watching from a distance, it served as a reminder of something larger – how quickly established patterns can change.

West Bengal’s political timeline itself tells an interesting story. The Left Front governed the state from 1977 to 2011 -  a remarkable 34-year run that, at one point, felt almost immovable. Then came another major shift in 2011, when the Trinamool Congress under Mamata Banerjee came to power and continued governing for the next 15 years, until the 2026 elections brought yet another transition. In many ways, it is a reminder that even the longest phases of stability eventually give way to change.

Different money approch Elders in India

We often carry the same assumption into our financial lives. We believe income will remain steady, markets will behave predictably, and long-term plans will unfold in a straight line. Most of the time, they do – until something shifts unexpectedly.

That is why strong financial planning is not really about predicting the future perfectly. It is about preparing for uncertainty. Especially when it comes to retirement planning, where your financial journey stretches across decades, through changing governments, economic cycles, inflation, market volatility, and personal milestones.

Different money approch Elders in India

The idea stays the same. But the mix needs to change. Which is why diversification is less about “what all you’ve invested in” and more about “how your investments behave together.”It’s worth asking yourself: if markets get unpredictable tomorrow, is your portfolio designed to absorb that-or amplify it.

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Wallet
Estimated breakdown of Monthly expenses

Feel free to adjust as you wish

Current household spend would be used to estimate the monthly expense post retirement..

Salary Slip

Children's education

Did you know that IIM Ahmedabad fees has increased from 15.5 L in 2015 to 27.5 L in 2025 - 5.4% annualised change!

We have assumed 6% increase in fees every year

Children's wedding

The big Fat Indian wedding is constantly evolving with newer themes and a shift towards more experiential weddings

We have assumed 10% increase in wedding expense every year

Travel the world

International getaways are getting common but they don't come cheap!

We have assumed 6% inflation rate on travel

House

Real estate has been a key interest area for many investors which has led to sharp rise in prices in the recent times

We have assumed 8% annual increase in real estate prices

Emergency funds

Cost of medical treatment and healthcare services is rising at a rapid pace with advancement in medical technology

We have assumed 12% annual increase for any medical emergencies

Others

Did you know a Honda city costed 8 Lakhs in 2002 is now priced at 18 L (~4% annualised change)!

We have assumed a 5% annual inflation on these spends, you may want to buy a new car or plan a holiday etc.

Balloons

Inflation is how prices of goods and services rise over time, meaning your money buys less than before. Simply put, things get more expensive each year

Change the inflation rate if you want
5 %
2% 8%

India's inflation trend for past few years

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These savings will become
On retirement @7% growth rate

/month invested for next years @12% CAGR would yield

Your current savings saved for next years @ % would yield

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