Retirement Planning

Retirement planning: Should you lock money in NPS or stay flexible with mutual funds?

This isn’t a question of which is better. It’s a question of what problem you’re trying to solve.

Have an inactive EPF account? Here’s how you can get your money back

An EPFO account becomes inactive if there has been no contribution or transaction for three consecutive years

How much should you have saved for retirement at every age?

The number changes with every decade, and so does the pressure.

Already contributing to EPF? Does it make sense to invest in NPS through your employer

If both EPF and NPS contributions are structured under CTC, your take-home pay may be reduced, which can be partly offset by tax savings

Personal Finance: Why you must think about retirement planning

A recent survey shows that retirement readiness has declined over the years

PFRDA introduces NPS Swasthya scheme for medical expenses: Check eligibility, charges and claim rules

A Common Scheme Account must be opened along with the NPS Swasthya Pension Scheme Account if it is not already existing

Budget 2026 expectation: Tax relief on annuities could shape retirement security

It is pertinent to note that India’s insurance sector has made steady progress, but penetration and coverage gaps remain significant, particularly in retirement planning and rural protection

Rs 10 crore in 30 years: Rs 32,500 monthly SIP can do it

Invest wisely for financial freedom. Aim for 30-40 times annual expenses to build retirement corpus, invest 30 percent of pay, and leverage SIPs.

Retirement planning when your parents depend on you too

For millions of Indians, retirement is no longer just about their own old age. It also has to carry the financial weight of their parents’ final decades

The 80% retirement rule explained: How much income you may actually need after you stop working

A practical look at the “80 percent rule,” why it is useful, and how you can adapt it to your own retirement planning

Are you actually ready for retirement, or just hoping you are?

A comfortable retirement is less about a single “magic number” and more about whether your future cash flow can survive inflation, healthcare shocks and a longer life than you’re planning for.

Rs 80 lakh in FDs: Is it enough to retire in five years?

Retiring at 55 with Rs 80 lakh in FDs is challenging because of a Rs 1.03 crore deficit. Diversify investments, adopt a 3-4% withdrawal rate and build contingency funds for a secure retirement, say experts

How to know if you’re saving enough for retirement

A quick, no-jargon check to see if your monthly saving, investing, and debt choices will actually fund the life you want after work.

Retirement planning: Are solution-oriented funds the smart choice?

These funds promise a mix of growth and safety, but do they fit your retirement goals?

What is 4 per cent rule of withdrawal from corpus after retirement?

Understanding the 4 per cent rule can help retirees plan their finances for a secure and worry-free retirement.

How to make your Rs 1 crore retirement corpus last 25–30 years with smart asset allocation

Even post-retirement, at least 30–35% equity exposure is necessary. The best way is through Systematic Withdrawal Plans from equity mutual funds, which provide monthly income while keeping money invested for growth

EPF transfer, passbook access to get easier for employees, but more reforms needed, say experts

EPFO has decided to allow employees to directly access Annexure K – the key document for EPF transfer while switching jobs – online, a relief for employees who wish to monitor their balance and the process.

PFRDA may cut mandatory annuitisation to 20%, allow systematic redemption for NPS corpus up to Rs 12 lakh

Subscribers with accumulated corpus of up to Rs 12 lakh at the time of regular exit could be permitted to make a lump-sum withdrawal of 50 percent of the corpus or Rs 6 lakh, whichever is higher, and for the balance amount, opt for systematic unit redemption or purchase annuities or a combination of both.