Mirae Asset CEO recalibrates retirement strategy with AI insights. Swarup Mohanty discovered his original 6% withdrawal rate posed risks during flat markets, potentially eroding principal over three years. AI stress-testing revealed mathematical gaps in his 15-year plan. He adjusted to 4% withdrawals, increased monthly contributions, and created a three-year buffer to avoid selling long-term investments during downturns. His portfolio evolved from 60:40 equity-debt to 70:15:15 allocation across equities, debt, and alternatives. Mohanty prioritizes longevity risk, planning for life beyond age 80 with inflation-adjusted expenses. His experience demonstrates how AI-driven analysis helps high-net-worth individuals identify retirement planning vulnerabilities and optimize asset allocation strategies for sustainable wealth preservation.
