Retirement has rightly been called the Nastiest Problem in Finance. There are so many variables at play and the fact that you get just one shot at retirement, it is incredibly critical to get it right. Or else, I am…
Category: Retirement Planning
SEBI Announced New MF Category – Life Cycle Funds
Recently, SEBI issued a comprehensive circular on 26th February 2026 (link), making several big changes to the mutual fund categorisation framework. There is actually a lot in that circular, but I wanted to focus on one thing specifically – which…
Why Everyone Needs a Medical Contingency Fund for Later Decades of Life? – Economic Times Wealth (9-Feb-2026)
Unless you belong to the ultra-rich category, having health insurance is a must here in India. And more so if you are nearing retirement. The reason is that the chances of developing medical issues increase with age, and hence, you…
Quoted (Times Of India) – January 2026 – SCSS at 8.2% – Does it make sense for Senior Citizens?
I was recently quoted in The Times of India in an article titled "At 8.2%, How does SCSS compare with Bank FDs, RBI Bonds, Mutual Funds?" Here is the link to the online version of the article - Link And…
Rethinking Retirement + Is Retirement the Real Enemy of Longevity?
Most people view “retirement” as a sharp break - working full-time one day, then suddenly doing nothing the next. This outdated mindset is flawed and often leads to problems later in life, leaving people disconnected and purposeless. Instead, it is…
Read More Rethinking Retirement + Is Retirement the Real Enemy of Longevity?
FIRE can Also mean ‘Forced Into Retiring Early’ – Economic Times Wealth (23-Jun-2025)
FIRE isn’t always about choice. F.I.R.E. can also mean ‘Forced Into Retiring Early’. That’s why professionals need to prioritise retirement over other financial goals. It’s time to accept the reality. Instead of assuming that you will be working till 60,…
Read More FIRE can Also mean ‘Forced Into Retiring Early’ – Economic Times Wealth (23-Jun-2025)
EPF Rates Unchanged at 8.25% for FY2024-25
The EPFO has decided to keep the EPF interest rates UNCHANGED at a rate of 8.25% for FY 2024-25. The rates were same earlier in the previous FY 2023-24. Once the new EPF interest rate is officially notified in the…
LTCG Tax Increased to 12.5% – How it Impacts You, a Long-Term Equity Investor?
Long-Term Capital Gains (LTCG) Tax in Equity has been increased to 12.5% (from earlier 10%) in the Budget 2024. So, the 10% era existed from 2018 to 2024. The earlier pre-2018 era was about the good old days of 0%…
Read More LTCG Tax Increased to 12.5% – How it Impacts You, a Long-Term Equity Investor?
A 40-Year-Old Planning For Retirement via SIP|| Quoted (Economic Times)
I was recently quoted in Economic Times WEALTH (8-14 July 2024) in the Q&A section where a panel of experts answers readers' questions related to various aspects of their personal finances. The exact question and the answer - Here is…
Read More A 40-Year-Old Planning For Retirement via SIP|| Quoted (Economic Times)
How to invest Rs 70 lakh received after Retirement for Income & Growth?|| Quoted (Economic Times)
I was recently quoted in Economic Times WEALTH (3-9 June 2024) in the Q&A section where a panel of experts answers readers' questions related to various aspects of their personal finances. The exact question and the answer - Here is…
How ‘Sequence of Returns’ Risk can Wreck your Retirement? (Quoted in Economic Times)
I was recently quoted in an article in Economic Times Wealth (1-7 April 2024) about the topic How 'Sequence of Returns' Risk can Wreck your Retirement? The article and my views are given below: You can download a PDF version…
Read More How ‘Sequence of Returns’ Risk can Wreck your Retirement? (Quoted in Economic Times)
EPFO’s New Formula for Calculating Higher Pension on Actual Salary (Circular June 2023)
The EPFO has released a circular in June 2023, which finally announces the new formula for computing pension on higher salary, instead of the existing statutory limits. That is, now we know what will EPFO use as pension calculation method…
Read More EPFO’s New Formula for Calculating Higher Pension on Actual Salary (Circular June 2023)
Should I Choose EPFO’s higher EPS Pension offer & contribute Lumpsum from EPF in 2023?
Should You Choose higher EPS Pension offer by EPFO & contribute a lumpsum from EPF in 2023? The EPFO subscribers have been in a dilemma about this over the last few months. And rightly so. The impact of the decision…
Read More Should I Choose EPFO’s higher EPS Pension offer & contribute Lumpsum from EPF in 2023?
Is SCSS at 8.2% good for Senior Citizens looking for income and high rates?
The Senior Citizen Savings Scheme (SCSS) interest rates have been increased to 8.2% recently (for the April-June quarter of FY2025-26). More details here. For many Indians investing in debt, 8% is the psychological level at which they wait to get…
Read More Is SCSS at 8.2% good for Senior Citizens looking for income and high rates?
PF Alone Won’t Be Enough. ‘Start Early’ to Save ‘More’ for Retirement.
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.