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Invest wisely for financial freedom. Aim for 30-40 times annual expenses to build retirement corpus, invest 30 percent of pay, and leverage SIPs.
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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
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A practical look at the “80 percent rule,” why it is useful, and how you can adapt it to your own retirement planning
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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.
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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
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A quick, no-jargon check to see if your monthly saving, investing, and debt choices will actually fund the life you want after work.
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These funds promise a mix of growth and safety, but do they fit your retirement goals?
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Understanding the 4 per cent rule can help retirees plan their finances for a secure and worry-free retirement.
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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
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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.
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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.
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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.
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You can use mutual funds to accumulate a sizable retirement corpus, but the appropriate type and strategy will be the key.
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From procedural delays to mismatch in personal information or other data, accessing EPF funds remains a frustrating battle for employees across India
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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.
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For someone on the verge of retirement, annuities can offer a secure and predictable income stream.
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Such errors, even if inadvertent, by employer-managed exempted PF trusts can have devastating consequences for employees.
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A judicious mix of sufficient health cover, life insurance and a substantial nest egg could spell ease in the sunset years
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Being aware of the pros and cons of such long-term mutual fund schemes for your post-retirement days
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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.
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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.
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With no children to bank on, your retirement plan should aim at self-sufficiency, security, and self-fulfilment.
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Government employees can now assess which pension scheme—NPS or UPS—offers better post-retirement security using a new simulation tool
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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.
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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.
