If you are an EPF subscriber, you would want to know that What is the EPF interest rate for 2020 21? The answer is here now. In a relief to crores of employees, there has been no interest rate reduction…
Read More No Rate Cut: EPF Rate unchanged at 8.50% for FY2021
SEBI is contemplating introducing the concept of ‘Accredited Investors’ in the Indian securities market. This is still at the consultation stage as detailed in this notification (link or download here). Globally, this is a pretty common concept in developed markets.…
Read More What is ‘Accredited Investor’ in India? Eligibility Criteria + Details
I recently got quoted in the national daily paper Hindustan Times. It was for their coverage on how can Indian investors use equity to maximize the size of their retirement corpus. You can check the quote and the full article…
Read More (Quoted: Hindustan Times) Maximize your Retirement Corpus
Is just EPF good enough for Retirement? That is an important question. And unless you contribute a lot of money every month to Employee Provident Fund (like these HNIs investing in EPF), chances are that your EPF corpus may not…
The Budget 2021 changed the EPF interest taxation rule (details here). Now if the employee contribution to PF (via EPF and/or VPF) exceeds Rs 2.5 lakh in a year, then the interest on the additional amount (above Rs 2.5 lakh)…
Read More Should you still invest more than Rs 2.5 lakh in EPF?
Most of you will not get any pension when you retire. The age of getting a safe, solid and a reasonable pension got over several years ago. So unlike our earlier generations who were lucky enough to get a pension,…
Read More In this ‘No Pension’ era, Do Not underestimate Retirement Planning
We are living longer than our previous generations. The average life expectancy of us Indians is around 69. (You can check it here yourself) But that’s the average. My guess is that life expectancy generally increases with income. At least…
Read More Increasing Gap between Retirement Age & Life Expectancy
You know this. Your 9-to-5 job is not exactly that. If you also account for the mental stress and mind-f***s you get, it is much closer to 24x7. Zoom out a bit and its 24x365. Zoom out a bit more…
I recently came across the following: Think of a car driving through the night. The headlights only go a 100 - 200 feet forward, and you can make it all the way from California to New York driving through the…
Senior Citizen Savings Scheme (SCSS) Or Pradhan Mantri Vaya Vandana Yojana (PMVVY). These are two popular investment options available for senior citizens of India in 2021. While SCSS has been in existence for several years now, the other one PMVVY…
I recently wrote a long thread on twitter about Financial Independence, Early Retirement and Financial Freedom. If you are on twitter, you can check it here. Since many readers aren't there so I thought I will publish those tweets as…
I recently got quoted a few times in Morningstar's coverage of how leading advisors are navigating the debt fund space. The context is the current on-going turmoil in the debt fund space. If you wish to know my thoughts on…
Read More (Quoted: Morningstar) How Advisers navigate the Debt Funds space?
Taking a 20% pay cut. Now, who would want that? No one. And it’s (obviously) not a great scenario to be in. But to be honest, the on-going pandemic and economic lockdown are gradually arm-twisting many companies/sectors to face the…
We live in unprecedented times. And times like this lead to interesting insights about various aspects of life. I came across a tweet yesterday (link), which said: Realized one thing in this Lockdown. Normal living expenses are very low. It's…
Read More Normal Living Expenses Are Low: Lockdown Realization (for F.I.R.E. guys!)
Note - This is a super long post. You may want to bookmark it if you want to read it later. When it comes to retirement planning in India, the NPS or National Pension System is slowly getting more and…
Read More What is NPS + How NPS Works in India: Detailed Guide (Updated 2020)
