What is a nest egg? It is a considerable amount of money or assets that one would save or invest in for a specific purpose like retirement, buying a home or children’s education. But most predominantly, it is a retirement fund that one should start saving for early in life. 

Every couple should start creating their nest egg as soon as they can and the earlier the better. The longer the duration of investment, the more interest it earns which will help grow the corpus that will make your golden years comfortable.

Here are a few things one can do in this regard  – 

• Start planning early – retirement is an important reality for everyone and the sooner one realises this and starts saving the better it would be. It gives time for the money to grow and when started early, it gives you the flexibility to invest in high-risk funds.
• Focus on one’s expenditure – budget and cut down unwanted expenses so you can have substantial savings.
• Clear debts and focus on building the corpus. It is advisable to clear your debts as this would allow more funds to be directed towards building the corpus.
• Investing wisely and early is the key here. Never put all your eggs in one basket, hence invest in diverse funds and schemes – fixed incomes, shares, bonds, mutual funds, etc that provide different kinds of returns and help mitigate the risk of the volatile market. 
• Keep inflation in mind while preparing the corpus fund. Inflation is the single most factor that affects everyone’s savings. 
• Plan retirement together as a couple –  It is ideal to involve your partner in all decisions pertaining to creating the nest egg and to meet goals like children’s education, retirement etc.
• Expenses will change after retirement – For instance,  medical expenses will increase as one grows old and being prepared for it with a sufficient medical corpus will help.
• Deciding what you want to do after retirement is another key to planning. Do you want to pursue your passion, go on holidays, lead a simple life doing something to keep you busy or reap the benefits and lead a hustle free leisure life? This is another major deciding factor in creating the corpus fund.

In conclusion, starting early, optimising expenses, deciding what one wants and investing wisely is the key to creating a nest egg as a couple for one’s golden years. It may seem like a humongous task but if one does it with a good investment plan and dedication it can be achieved. Also, one must remember, never to pull out funds from the retirement corpus before retirement.