Pranidhi Sawhney

Retirement planning often focuses on working out how much you can afford to withdraw from your savings every year once you stop working. But with increasingly changeable conditions – fluctuating returns, variable inflation, greater longevity – a safe withdrawal rate is harder to calculate. Especially as retirement horizons extend, the challenge is not only to make good choices at first, but to revisit them as conditions evolve.

Climate change is no longer solely an environmental concern, it also disrupts health systems, economic resilience and demographic stability on a global scale. Global temperatures are projected to rise by more than 2.5°C above pre-industrial levels by 2100 under the Intergovernmental Panel on Climate Change’s (IPCC) “middle of the road” trajectory.

India is at the intersection of an air pollution crisis and a demographic transition due to its ageing workforce. Image: Getty Images/hadynyah Global Shaper, New Delhi Hub, Global Shapers Community Global Shaper, Madrid Hub, Spain, Global Shapers Community Air pollution negatively affects health and accelerates climate vulnerability, with wider consequences for the global economy.