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…
Category: Retirement Planning
VPF Vs PPF: Which is better in 2020?
Voluntary Provident Fund or Public Provident Fund in 2020. Difference between VPF Vs. PPF and how to choose between the two? This was a dilemma when even I joined my salaried job for the first time more than a decade…
Bharat Bond ETF: All You Need To Know. Worth Investing?
The name is Bond... Bharat Bond ETF! Sorry. I couldn’t stop myself from saying that. 😉 But the correct name of India’s first corporate bond exchange-traded fund (ETF) is Bharat Bond ETF and was launched in December 2019. This is…
Don’t look at Returns of NPS (Equity Scheme E) in isolation. Here’s Why?
Many NPS subscribers make the mistake of looking at just the Equity Returns of NPS and trying to make an assessment of whether NPS is giving good returns or not. But only considering returns Equity Funds (Scheme E) of NPS…
Difference between NPS Active & Auto Choice (Updated 2019-20)
As you already know, the National Pension System or NPS is designed to save for retirement by making a contribution during the work life. Though most people still don’t give retirement planning the importance it deserves (read why?), the government…
Retirement vs Child’s Future
The biggest question of your financial lives. Isn't it? I know that you already have an answer in your mind for this. But is it the right answer? I wrote an article on this topic sometime back. Both retirement and…
NPS Exit & Withdrawal Rules & Taxation (Latest 2019 2020 – Updated)
The National Pension System (or NPS) is a retirement savings product that allows investors to invest in equity and debt as a means for proper retirement planning. And it is aimed at providing a pension at the time of retirement…
NPS Rs 50,000 per year – Retirement Corpus & Pension Calculation
Even though NPS is a product designed exclusively for retirement planning, what attracts most people to NPS is Rs 50,000 extra tax benefit it offers via deduction. As per the current tax rules (2019-20), there is an additional Rs 50,000…
Benefits of Fee-Only Advice
When financial advice is easily available free (as many believe it) from family, friends, colleagues and online, then what can be the reason for paying a fee for getting it? Many in India think like this. There is a general…
EPF Calculator 2020: Excel based (Free) Download
A good yet simple Employee Provident Fund Calculator or EPF Calculator can tell you many useful things like EPF Maturity value among other things. So if you are a salaried employee who regularly contributes to his / her Employee Provident…
EPF Interest Rate History (Updated 2019-20) & Interest Calculation on EPF Balance
The EPF Interest Rate is 8.65% for the financial year FY 2018-19. This is as per the latest EPF interest rate 2018-19 notification of the government. And the interest rate in the previous year for EPF (Employee Provident Fund) was…
Can You Retire with Rs 1 Crore Today in India?
Recently, a friend told me that he had ‘finally’ managed to save Rs 1 crore (not including his real estate investments). And he was quite happy about this achievement as the first crore is a big milestone no doubt when…
NPS Calculator Excel-based (Free) Download
If you invest in NPS (National Pension System), then I am sure you would be interested in knowing the following: How much money you can accumulate in NPS by retirement? How much NPS retirement corpus will you have? How much…
PPF Maturity Options after 15 Years: Updated Rules 2020
Most people are aware of how PPF works and how interest is calculated on PPF account balance. After all, they are investing in PPF to earn interest on their contributions. And being a long-term savings product, it is also well…
Difference between NPS Tier 1 and NPS Tier 2 Accounts
NPS is a retirement savings product which is slowly gaining popularity in India. And when you want to invest in it, then NPS comes with 2 types of accounts - Tier I and Tier II. The NPS Tier I account…