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 This outdated mindset is flawed and often leads to problems later in life, leaving people disconnected and purposeless.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 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)
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…
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?
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)
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…
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)
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 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?
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?
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 (2025)?
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?
