India, May 25 -- Lockdown 4.0 has started and that too in a much leaner way. It is expected that life will now limp back to normal from 1st June. It has to. Mankind has always bounced back strongly after every castratrophe creating ways and avenues for a new era. It will be no different this time also.

While we have to adjust to a new life style, add some new habits, delete some redundant ones and pursue all our inevitable goals with more zeal and determination. "Need Goals" like our Emergency corpus, Children's Education & Retirement Goals will have to be relooked, fine tuned and calibrated in a new situation in a more realistic manner and we have to push back our "Wants Goals" a bit further, if not dropped. Let's draw our portfolio on ...