Retirement portfolios are designed to provide financial stability during post-working years. The goal is to ensure that one doesn’t outlive their savings while maintaining the desired lifestyle. Building such a portfolio begins with estimating retirement age, life expectancy, and monthly expenses. Based on these, the corpus needed is calculated. Asset allocation should change with age—higher equity exposure during early years and shifting to debt and fixed-income instruments closer to retirement. SIPs in mutual funds, NPS, PPF, and long-term stocks can be ideal during accumulation years. Post-retirement, the focus should shift to low-risk instruments that generate regular income such as annuities, senior citizen savings schemes, and dividend-paying stocks. Regular portfolio reviews, accounting for inflation, and healthcare needs are crucial. Investors must also consider building emergency funds and adequate insurance coverage. Planning retirement early and reviewing it periodically ensures a stress-free financial future.