For the first several years of their career, most individuals do not give retirement the importance it deserves. And why would they? In their mid-20s, retirement for these young individuals is still 30+ years away. As a result, the only…
Read More PF Alone Won’t Be Enough. ‘Start Early’ to Save ‘More’ for Retirement.
Provident fund withdrawal. You may have come across this term so many times but may not be sure how it works and what are its implications. right? Don't worry. This article will help you get a brief idea about PF…
Read More How much Tax is applicable on PF Withdrawal (2023)?
The stock markets have been bleeding. And the fall in stock prices is also reflected in the fall in NAVs of mutual funds and the value of most investors’ mutual fund portfolios. I got a few emails and several messages…
Read More My Mutual funds are Falling. I am Worried. What to Do Now?
In your 20s, life is actually not too burdened with responsibilities and other complexities that come later. You have started earning (well), have very few burdens and responsibilities and are full of energy. It's when you cross from the 20s…
Read More Financial Planning in the 30s sets Strong base for a Solid Financial Life later
In this article, I talk about how one can use Rs 2 Crore retirement corpus to generate regular monthly income as well as invest it properly so that I can last for decades. The idea is to divide the corpus…
Read More Retiring with Rs 2 crore Corpus. How to invest for regular Monthly Income & Growth?
There has been a reduction in the EPF interest rate (Employees Provident Fund). The rates have been reduced to 8.1% for FY2021-22. The rates earlier were 8.5% inFY 2020-21. So the answer to your questions about What is current EPF…
Read More EPF Rates Reduced to 8.1% for FY2021-22 (from 8.5%)
HNIs or High Networth Individuals are smart people. They have wealth. More importantly, they know how to make more money from their business and other income sources. But that’s not all. They also understand that they need to generate more…
Read More Do HNIs (High Networth Individuals) need Financial Planning?
Asset Allocation Quilt 2021 for Indian markets. I came across this interesting depiction of asset class performance chart in a tweet (link). Have a look at the below quilt and spend some time studying it. The table (or quilt) above…
Read More Asset Allocation Quilt – No Asset Works Well Every Year. But…
I was thinking about financial goals and what is the most important one. I understand that different people will have different definitions of what's important or not. But if you think about it, isn’t the most important financial goal about…
Read More Not Working for Money – Is it the Most Important Financial Goal?
Yes, you read that right. You will now have 2 EPF accounts. In a way atleast. It was earlier announced in Budget 2021, that in a given financial year, the government came up with the new EPF 2.5 lakh rule…
Read More How will EPF above Rs 2.5 lakh be taxed? With 2 EPF accounts!
Is Rs 5 crore enough to retire in India? Rs 5 crore is not a small amount. At all. And to be honest with you, if your expenses are reasonable, I think that Rs 5 crore would be sufficient to…
Are you looking for Best NPS Funds for 2021 in India or the Best NPS Fund Managers for 2021 in India or Best NPS Schemes in 2021 to invest in? Then you will find all your answers here. Before we…
Read More Best NPS Funds (2021) – NPS Scheme Returns & Best Fund Managers
This is a controversial topic. And I am sure you know that. We Indians love our gold. And most people can’t even think about selling it. It's like the worst-case scenario for them to sell gold. But hear me out…
Read More Is it wrong to sell unused Household Gold and Retire Early?
I got a mail from a reader asking how much he needed to invest to retire at the age of 50. He is 30 and said that he had practically no savings at all. So it's like starting your investment…
Read More I am 30. Want to Retire at 50. How much to Invest Monthly?
You want to retire with Rs 5 crore in India. That’s a good solid goal to have in 2023. Till the 2000s, there was a common belief that Rs 1 crore would be enough to retire comfortably. But with inflation…
Read More How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
