May 24, 2022 01:21 PM IST

Explained | EPF versus NPS: Which is a better retirement option?

Are you planning your retirement kitty? There are two options available, NPS or EPF. But which one is a better option for you? Sumaira Abidi tells you the difference.

Explained: How NPS' active and auto allocation choices work

Active choice is better suited for savvier investors, while others can choose the passive mode – auto choice - of investing.

NPS or EPF: Which is better for retirement planning?

EPF is an employee benefit scheme (only salaried individuals get EPF benefits), whereas any individual in any profession or work structure can use NPS to save up for their retirement.

Retirement dilemma: When should superstars hang up their boots?

While there examples of super-achievers who achieved little by dragging on their careers, there are also examples like P.G. Wodehouse who wrote 'Much Obliged Jeeves' when he was 90.

Prudent withdrawal strategies can help retirees stave off inflation

Real rate of return on fixed income instruments would be negligible considering the low rate of interest prevailing. Therefore, withdrawing funds from such allocations may not impact the retiree’s returns.

Not just saving tax, these top ELSS schemes are also generating wealth

The 3-year lock-in helps fund managers to have a slightly larger portion of small and mid-cap stocks as it prevents a gush of outflows that can be seen in other diversified equity funds.

Retiring with Rs 2 crore - How to invest corpus for regular income so it lasts for decades

Divide the corpus into two buckets – one, to meet short-term needs through investment in debt funds, and the other to help grow the corpus through investments in a variety of instruments including equity.

Pfizer offers voluntary retirement scheme for field staff

Over the past few years, the company has been on a journey to reshape itself into a more growth-oriented and innovative biopharma company, Pfizer said in a regulatory filing.

The Moneycontrol Real Estate show | Need to plan for your senior living asset at least 5-10 years before retirement? Tune in!

In this episode of The Moneycontrol Real Estate show, Moneycontrol's Vandana Ramnani talks to Ankur Gupta, joint managing director, Ashiana Housing, who explains how senior living is different from the concept of old age homes and who should buy into the housing segment.

Women’s Day Special | How to invest today for an early retirement tomorrow

Retiring early to pursue your dreams is good, but your expenses don’t stop. Planning for them in advance is crucial. An early retirement from the rigmaroles of a daily working life is a dream for many. But not many can achieve it. Mrin Agarwal, financial educator, talks to Moneycontrol’s Kayezad E Adajania, and gives handy tips to put in place a plan that takes you to your goal. Early retirement can be fun, but it needs to be well-funded.

Should you pay off your home loan before investing for retirement?

Only high-cost debts such as credit card balances and personal loans must be paid off immediately. Low-interest loans can be repaid gradually.

For Ratan Tata, retirement is not playing golf or reading while sipping a cocktail

Ratan Tata had told "Humans of Bombay" in 2020 that for him, the urge to do more philanthropic work had never been greater.

What is the ‘Three Bucket Strategy’ for golden years?

Max Life survey: 56% Indians fear running out of savings within 10 years of retirement

A majority of those polled – 63 percent – say that health will be the most important aspect for them to take care of during their retirement years

Personal Finance: Three cornerstones to ensure a sound retirement portfolio

The first in the four-part retirement series explains the need for timely de-risking, rebalancing and profit-booking in one’s portfolio 

Sumit Mohindra of ICICI Prudential Pension Funds on why NPS returns are better than those on mutual funds

The long-term nature of NPS plays an extremely critical role in generating better returns

Explained: How corporate NPS works and offers additional tax benefits

NPS gives additional income-tax benefits if your employer offers it too. These deductions are available for old and new income-tax regimes

PGIM retirement survey: Half of India isn't prepared financially for life after work

Provident fund and gratuity only take care of 30 percent of your total post-retirement corpus requirements

Veterans Unpacked | "This is the age of the ‘never satisfied customer’": Sandip Das, former MD & CEO, Reliance Jio

"The pandemic has universally changed our perspectives at work and put us on the fast track to some seminal changes."

Go beyond just financial planning for a happy retirement

Most of us look at retirement as a vacation and hence plan for it during the last minute

Asset allocation in NPS crucial to reaching your retirement goals

If your EPF corpus isn’t very large, you can use your NPS as a debt product with high allocations to schemes G and C.

Veterans Unpacked | D.S. Brar: "Your network is your net worth, and your credibility is your currency"

His advice to young leaders: "Focus on relationships and building trust with your customers, your partners and your employees."

The pros and cons of pension funds being allowed to invest in IPOs

Since pensions are the chief, and in many cases, the only source of income for senior citizens, PFRDA should ensure that such funds should not take undue risks. This is true especially in the current scenario where loss-making start-ups are tapping the market with atrocious valuations

Over 81,000 paramilitary personnel took voluntary retirement, 16,000 resigned between 2011-20: MHA data

No specific study for ascertaining the reasons for such retirements or resignations has been conducted by the Home Ministry so far, but an analysis carried out by the forces themselves indicates that personal and family issues, health reasons and better career opportunities are some of the main causes, a ministry official said.

Factor in inflation, include equity while investing your retirement kitty

Medical inflation itself is around 11 percent. With cost escalation in essentials, investing in equities to maintain your lifestyle becomes important.