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 2021. 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?
How to earn regular income from high dividend stocks? For many, this is a dream. To have a large enough portfolio of stocks and live happily ever after on dividend income. I love dividends too. In fact, it was dividends…
If you are a salaried employee, then chances are that you have an Employee’s Provident Fund (EPF) account that you regularly make contributions from your salary deductions. You might know what the latest EPF interest rates are, but do you…
Read More How to calculate EPF interest on your EPF account balance?
As parents, many of you might want your children to go abroad for higher studies. Isn't it? However, higher education in foreign countries can be an expensive goal. Though it varies from one country to another, in general, it is…
Read More What is Cost of Studying Abroad (in Foreign) for your Children?
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…
