Retirement Planning

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.

Mini retirements: A growing trend among Indians, 64% Gen Z and 58% millennials in favour, reveals HSBC survey

85% of Indians believe mini retirements enhance quality of life, with 48% planning to take at least one break, and 44% considering multiple breaks over their lifetime.

Retirement planning with mutual funds: Are they the right choice for you?

You can use mutual funds to accumulate a sizable retirement corpus, but the appropriate type and strategy will be the key.

Switching jobs? Know the hurdles in transferring your EPF

From procedural delays to mismatch in personal information or other data, accessing EPF funds remains a frustrating battle for employees across India

Pursuing financial freedom: A step-by-step guide towards FIRE

The early-retirement movement involves aggressive saving and investing to drop out of the work life before superannuation, which requires tailored strategies to beat inflation, market volatility, and unique financial challenges and obligations.

Falling interest rates: Is now the time to lock into annuity plans for higher payouts?

For someone on the verge of retirement, annuities can offer a secure and predictable income stream.

How technical glitches can erase 15 years of your EPF service overnight

Such errors, even if inadvertent, by employer-managed exempted PF trusts can have devastating consequences for employees.

Why insurance is critical for a peaceful retirement

A judicious mix of sufficient health cover, life insurance and a substantial nest egg could spell ease in the sunset years

Should you invest in solution funds while planning for retirement?

Being aware of the pros and cons of such long-term mutual fund schemes for your post-retirement days

Smart Planning: How to make your retirement fund last a lifetime

A pyramidal retirement plan with layers for safety, stability, and growth incorporating strategic allocation, tax optimisation, and risk control will maximise returns and ensure a lifetime of financial security.

Are You Eligible for Provident Fund? Know the Rules for Private and Government Jobs

Employee Provident Fund (EPF) or Provident Fund, It’s one of the most popular forms of long-term retirement savings, wherein the employee and the employer contribute an equal amount towards savings. But who are eligible for the Provident Fund in Private and Government Jobs, can you get loan from EPF, how PF calculate, PF contribution, whether you're just starting your career or planning your retirement, understanding PF rules is crucial. Watch the video for more information on PF.

Planning retirement without children? Here's how to get the best out of it

With no children to bank on, your retirement plan should aim at self-sufficiency, security, and self-fulfilment.

How government employees can compare NPS and UPS through this new platform for retirement planning

Government employees can now assess which pension scheme—NPS or UPS—offers better post-retirement security using a new simulation tool

Retirement planning: Best govt schemes for a worry-free retirement in India

Government-backed retirement schemes like EPF, PPF, NPS, and SCSS provide safe and tax-efficient ways for Indians to secure their financial future post-retirement.

How inflation can shrink your retirement corpus and what you can do about it

Inflation can significantly increase retirement expenses, reducing purchasing power. Planning for inflated costs, factoring in longevity and health expenses, is crucial for a stress-free retirement.

Persisting financial crimes could severely damage the credibility of the listed markets, says Saurabh Mukherjea

Mukherjea advocated for a tax-exempt unified retirement solution—a single, integrated product combining mutual funds, insurance policies, and equities—to enable a larger segment of India’s population to build the necessary corpus for a secure retirement.

Are retirement calculators giving you a false sense of security?

Retirement planning is not an exact science. So, calculators can help you understand the power of compounding and the importance of consistent savings. However, they are not a blueprint for a perfect retirement. Think of them as a loose map — not a turn-by-turn GPS.

Planning Retirement? Master the Three-Bucket Strategy for a Secure Retirement | Personal Finance

Ready for a worry-free retirement? Learn how the Three-Bucket Strategy can help you manage your retirement savings efficiently. Join Payal Tiwari Sharma of Moneycontrol as we break down how to divide your funds into short, medium, and long-term buckets, ensuring financial stability throughout your golden years. Watch now to start planning for a secure future!

How EPFO pays out pension to family members of the deceased

When employees contribute to their EPF and EPS accounts through employers every month, they not only build their retirement kitty, but also create a safety net for their families in the case of their untimely demise

Will our retirement corpus last your lifetime? Here’s how you should plan

Achieving a peaceful and independent retired life is possible if you keep two things in mind; how much money you should withdraw after retiring and at what rate your retirement corpus grows after 60. Remember: your expenses go up with inflation.

Active versus Auto allocation: How to maximise your retirement corpus under National Pension System

While the ‘Active’ choice is more suited for younger investors with higher risk appetite, those who do not have the time or wherewithal to take proactive calls will find auto choice or balanced lifecycle fund useful.

How ‘bucket strategy’ can ensure regular income after retirement, while protecting nest egg

Bucket strategy can help generate meaningful cashflows to meet the regular commitments and contingencies without exhausting the corpus earlier than planned, according to financial advisers.

Why the current high interest rate scenario offers an opportunity to plan for secure retired life

When an annuity product is purchased, the rate of interest is locked in permanently. Hence, it does away with the reinvestment risk for all individuals, including senior citizens.