Ravindra Kumar is a seasoned life coach and spiritual mentor with extensive experience in the life insurance sector and a focus on post-retirement career planning. The document highlights common myths about retirement, emphasizes financial planning, and presents career options for retirees, underscoring that age should not limit one's potential. It encourages seniors to explore their interests and skills, offering various avenues such as consulting, freelance writing, online teaching, and volunteering.

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Post Retirement Avenue
R RAVINDRA KUMAR
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2. R Ravindra Kumar
Mindful Speaker, Trainer and Spiritual Life Coach.
R Ravindra Kumar has 30 years of experience working for worlds largest Life Insurance
Company LIC OF INDIA in India and abroad at Fiji Islands. Presently working as Regional
Manager in LIC OF INDIA.
Favored With Psychic Abilities, Ravi has Honed Him To A Level Where He Can Heal And
Transform Lives. Engaged With His Profound Occult Knowledge And A Powerful And Selfless
Will To Serve, He Extensively Conducts Healing Sessions, Workshops And Offers Remedies
For The Karmic Deficits.
As a Coach, Facilitator, Manager and Trainer, He has been Helping Professionals
Achieve their Career Goals since the 1999.. He is having much passion and interest
coaching to Sales Executive, and Management professionals from corporations, as he
is working with employees from all levels of organizations and Internationally Educated
is working with employees from all levels of organizations and Internationally Educated
Professionals, as well as students and graduates from colleges and universities.
Throughout his career, he worked with clients of outplacement and career transition
firms, colleges, and community employment centers. In his work, has provided
Coaching and consulting to clients of all levels of organizations - Vice President to
Employees beginning their careers.
Widely travelled Sri Ravindra Kumar is a multilingual leader and Spiritual Mentor with a
wide experience in multi-cultural and global environment. Reading, music,creative
presentations and development of human resources are his areas of special interest.
“How would your life change if you could tap into your full potential? What one thing do
want most for your life but feel unable to reach it? How would you like to set goals and
create a blueprint or roadmap to not only reach your goal, but sustain it? Come and
Discuss with R Ravindra Kumar He will Show you You Can do in life.”
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3. What I have to offer ..
To build your Dream ?
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4. POST RETIREMENT AVENUES
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6. Myth #1:.
My retirement corpus would be sufficient till the
time I want
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FACTS:
• Impact of Inflation and Taxation is huge
• In around six years our expenses would double
(inflation + lifestyle impact)

7. Myth #2:
• I will spend less after my retirement
FACTS:
• Going down on standard of living is a
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• Going down on standard of living is a
challenge
• Certain aspects (travelling for pilgrimage,
unfulfilled hobbies or interests etc.) may increase
expenses

8. Myth# 3:
• Health insurance may be enough
FACTS:
• Age , lifestyle illnesses and environmental
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• Age , lifestyle illnesses and environmental
conditions will give the health issues not
covered in the insurance policies.
• Keep aside some amount to build an
emergency medical coffer.

9. Myth #4:
• My children will look after me
FACTS:
• Social structure is changing – Joint
families to Nuclear families.
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families to Nuclear families.
• Moral values are not the same as they
were.
• Managing your financial wellness is
critical so that you don’t depend on
children.

10. AK Hangal
Avtar Kishan Hangal appeared in over 225 films before
slowly retiring from movies. In 2012 he passed away at
the age of 97 in a hospital without money to pay for his
treatment.
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11. Achala Sachdev
Famous as Balraj Sahni's 'Zohrajabeen'did not have
money or family's support when she died in a hospital
in Pune. She had a son who lived in the US and a
daughter who lived in Pune.
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12. Myth #5:
• If I build a house, it would sustain me
through old age.
FACTS:
•Planning to spend retirement in own Home is indeed
a great idea but it should be kept in mind that the
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a great idea but it should be kept in mind that the
maintenance costs, taxes and bills will rise.
•Ensure that all liabilities get paid off, till retirement.
•If possible think of Letting off a portion of the House
Property for getting additional income .

13. DILEMMA
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WITH NO
PLANNING

14. WORK DILEMMA ?
• Whether to work or not.
• Whether it be full time or part time.
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• Whether it be full time or part time.
• Whether it be paid or voluntary.
• Self employment.
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16. Post-retirement workers fall into two categories :
1. Those who can't afford to retire on their
current savings
and
and
2. Those with a comfortable nest egg, who
simply want to stay active, stay engaged, pursue
a long-deferred dream or give back to the
community.
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17. Points to Ponder
• How much time do I want to devote to work?
• How will work fit in to my retirement lifestyle?
• What type of work do I want to do?
• What type of work do I want to do?
• How do I look for work?
• Which of my skills do I want to use?
• Are there new skills I need to learn?
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18. Planning for post-retirement career
This would involve the following:
• Take stock of income, savings and net worth.
• Dependents, Life style desired and income
requirements.
requirements.
• Financial options in case of health setbacks.
• Inflation assumptions and tax bracket you’d fall
in.
• Needs / Interest areas / Passion etc.
• Time at disposal.
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19. Personal Growth
Retirement is an opportunity
for
for
self exploration
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20. LET US REVISIT SOME BASIC FACTS ABOUT LIFE
• “Age is an issue of mind over matter. If you
don't mind, it doesn't matter” – Mark Twain
• “A man is not old until regrets take the
• “A man is not old until regrets take the
place of dreams” – John Barrymore
“Men do not quit playing because they grow
old; they grow old because they quit
playing” – Oliver Wendell Holmes
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21. PEOPLE FOR WHOM AGE IS JUST A NUMBER
Colonel Harland Sanders: Founded KFC at the age of 62.
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22. Ray Kroc
Got the franchisee rights of McDonalds at the age of
52. He said, “its never too late to start.”
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23. Capt. Krishnan Nair
Founded the Leela Group of Hotels, at the age of 66.
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24. A.K Hangal
Bagged his first role in films at the age of 52
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25. Fauja Singh
104 years ‘young’ and still runs marathons. Says
that he “runs for his happiness”.
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26. Robert Marchand
104 years ‘young’ and continues to set new records
in cycling.
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27. KFC
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28. POST RETIREMENT CAREER
OPTIONS
Insurance Consultant :
• Utilizing lifelong expertise in Marketing/Sales, IT, UW,
Claims, Finance, Training, HRD, Servicing, Engineering,
Law, Accounting, etc.
• As a part-time consultant, you can charge hourly rates
• Work that matches your skills and schedule.
• Agency/CLIA/Premium points
• MF distribution / Wealth Management etc.
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29. Internet Careers
E-Commerce websites like:
Flipkart; Amazon India; E-bay etc.
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30. FLIPKART.COM
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31. Freelance Writer
• If you want to pursue a
writing career in retirement,
all you need is a laptop and an
opinion.
• Magazines and websites are
• Magazines and websites are
looking for interesting, well-
written content.
• Reviews of books and movies
are also in demand.
• Certain portals also invite
content from freelancing
writers and pay them
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32. FREELANCEINDIA.COM
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33. WRITERBAY.COM
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34. Online Professor
• If you have deep knowledge of certain
field and a little Internet savvy,
consider teaching classes online.
• There are several online learning
• There are several online learning
companies who offer classes on a
variety of topics, from photography to
creative writing
• Teaching online can be a rewarding
and fulfilling vocation, just as in the
classroom -- plus the additional
flexibility.
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35. TUTORVISTA.COM
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36. CLASSTEACHER.COM
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37. 4) Accountant
• Turn your knowledge of financial
matters into an excellent online
career as an accountant for
businesses, clubs and
businesses, clubs and
organizations.
• Find jobs by networking with
former colleagues, friends and
neighbors, small business or civic
organizations, or posting an ad in a
local newspaper in print or online.
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38. VOLUNTEERING
•As per your interest
choose the area of
work. Different
organizations working
for children, women,
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for children, women,
senior citizens,
environment etc.
"We make a living by what we get,
but we make a life by what we give."
~Winston Churchill
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39. TEACHFORINDIA.COM
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40. DIGNITYFOUNDATION.COM
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42. SENIOREXPERTS.ORG
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43. SILVERINNINGS.COM
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44. Bank Mitr for Jan Dhan Yojana
• This is a job for retirees and you can work as per your
convenience. PMJDY is a scheme for providing free zero
balance savings bank account for unbanked Indians
especially from rural areas.
• Create awareness of the various benefits offered
• Create awareness of the various benefits offered
under PMJDY
• They help in opening bank accounts, document verification
etc.
• Provide detailed information on limited range of products
such as – loans, debit/credit cards, insurance and others.
• Bank mitr are employed on commission.
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45. SOME USEFUL Websites
• www.tutorvista.co.in
• www.dignityfoundation.com
• www.teamlease.com
• www.indiatravelogue.com
• www.giveindia.org
• www.teamlease.com
• www.harmonyindia.org
• www.seniorexperts.org
• www.silverinnings.com
• www.pensionersportal.gov.in
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• www.giveindia.org
• www.csopartners.org.in
• www.karmayog.org
• www.teachforindia.org

46. BENEFITS & PRIVELEGES FOR
SENIOR CITIZENS IN INDIA
• I. Transportation: Ministry of Road Transport and Highways:
• Reservation of two seats for senior citizens in front row of the buses
of the State Road Transport Undertakings.
• Some State Governments are giving fare concession to senior
citizens in the State Road Transport Undertaking buses and are
citizens in the State Road Transport Undertaking buses and are
introducing Bus Models, which are convenient to the elderly.
• Ministry of Railways:
• Indian Railways provides 40% concession for males over 60 yrs and
50% for females over 58 yrs in all classes and trains.
• Indian Railways also have the facility of separate counters for Senior
Citizens for purchase/booking/cancellation of tickets.
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47. • Ministry of Civil Aviation:
• Indian Airlines is providing 50 per cent Senior Citizen Discount on
Normal Economy Class fare for all domestic flights to Indian senior
citizens who have completed the age of 65 years in the case of male
senior citizens and 63 years in the case of female senior citizens
subject to certain conditions.
subject to certain conditions.
• Air India is offering discount of 55% to senior citizens of 60 plus on
flights to USA, UK and Europe on economy class. Further, Air India
has now decided to reduce the age of 60 plus for discount on their
domestic routes as well with immediate effect.
• Jetlite offers a discount of 50% on economy class for citizens of 65
years or above.
• Jet Airways offers discount to senior citizens of 65 years or above.
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48. • Telecommunications:
• Faults/complaints of senior citizens are given priority by registering
them under senior citizens category with VIP flag, which is a priority
category.
• Senior citizens are allowed to register telephone connection under
N-OYT Special Category, which is a priority category.
N-OYT Special Category, which is a priority category.
• MTNL in NCR offers a discount of 25% on Rs. 250 per month Plan.
Age limit is 65 years or above.
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49. Ministry of Health & Family Welfare:
• Separate queues for elderly
persons in hospitals for
registration and clinical
examination. Special Clinics,
every Sunday between 10 am to
12 noon, for elderly persons
• f) Dr. Joshi Memorial Hospital
• g) Babu Jagjeevan Ram Hospital
• h) Ram Rao Tula Memorial Hospital
• i) Lal Bahadur Shastri Hospital
• The services include health
12 noon, for elderly persons
available at the following
hospitals in New Delhi.
• a) Lok Nayak Hospital
• b) GTB Hospital
• c) Deen Dayal Upadhyay Hospital
• d) Aruna Asafjahan Ali Hospital
• e) Sanjay Gandhi Memorial Hospital
•
• The services include health
check-ups, operations,
treatment of physically
invalid, gynecology, ENT and
ophthalmology along with
pathological and radio
therapy facilities.
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50. • MINISTRY OF SOCIAL & EMPLOYMENT
• Ministry of Social Justice & Empowerment has announced the
National Policy on Older Persons which seeks to assure older
persons that their concerns are national concerns and they will not
live unprotected, ignored and marginalized.
• The National Policy aims to strengthen their legitimate place in the
society and to help older people to live the last phase of their life
society and to help older people to live the last phase of their life
with purpose, dignity and peace.
• The National Policy on Older Persons inter alia visualizes support
for financial security, health care and nutrition, shelter, emphasis
upon education, training and information needs, provision of
appropriate concessions, rebates and discounts etc. to Senior
Citizens and special attention to protect and strengthen their legal
rights such as to safeguard their life and property.
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51. NEW INITIATIVES
• New scheme launched on 31st Dec 2016 will
provide fixed 8 percent return on 10-year bank
deposit of up to Rs 7.5 lakh. Interest earned will
be paid on monthly basis.
be paid on monthly basis.
• Priority in court hearings for senior citizens.
Senior citizens who have attained age of 60 years
can write to the court for preferential hearing of
their cases.
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52. Summary of the learnings
We learnt about:
• Age is only a number.
• There have been lot of people who have made
• There have been lot of people who have made
big, well past their prime.
• Identifying your passion and areas of interest.
• Choosing the career options related to the same.
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53. The happiest people don’t necessarily
have the best of everything.
They just make the best of
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They just make the best of
everything.
Don't simply retire from something;
have something to retire to.
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54. RETIREMENT SONG
t Song Music Video.wmv - YouTube (3
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61. Have employees participate in the
agency’s social media campaign.
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62. Target “influencers” including editors,
bloggers, consultants and PR pros in the
agency’s target markets.
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63. Keep up with changes in social media
platforms.
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71. R.
R. Ravindra
Ravindra Kumar
Kumar
Chief Mentor
UTOPIA’S
MASTER of POSSIBILITIES
FIJI ISLANDS
Just +91 9726351246 Or
12/30/2021
Just +91 9726351246 Or
send TEXT ON +919427960310
Email :: ME@ rravindrakumar@hotmail.com
rravindrakumar@gmail.com
rravindrakumar@yahoo.com
rravindrakumar@rediffmail.com
Join me @ http://www.ca.linkedin.com/pub/r-ravindra-kumar-
chief-mentor/0/670/107
Tweet your comments on
http://www.twitter.com/#!/rravindrakumar
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