Suggests a glide path investment strategy for retirement: 3 years before retirement, allocate 70% to debt and 30% to equity. Annually increase equity allocation by 3% until age 70, reaching a 60% equity/40% debt split.
"so when you're 3 years away from retirement put 70% of that 3 crores in debt and only 30% in equity to award any sudden drop in value okay now as you grow older keep adding 3% in equity every year so by the time you turn 70 you will have 60% in equity and 40% in debt"