I recently wrote a long thread on Twitter about Financial Independence, Early Retirement, and Financial Freedom. If you are on Twitter, you can check it here and retweet it to help spread it. Since many readers aren't there so I…
Category: Retirement Planning
(Quoted: Morningstar) How Advisers navigate the Debt Funds space?
I recently got quoted a few times in Morningstar's coverage of how leading advisors are navigating the debt fund space. The context is the current on-going turmoil in the debt fund space. If you wish to know my thoughts on…
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Take 20% Pay Cut
Taking a 20% pay cut. Now, who would want that? No one. And it’s (obviously) not a great scenario to be in. But to be honest, the on-going pandemic and economic lockdown are gradually arm-twisting many companies/sectors to face the…
Normal Living Expenses Are Low: Lockdown Realization (for F.I.R.E. guys!)
We live in unprecedented times. And times like this lead to interesting insights about various aspects of life. I came across a tweet yesterday (link), which said: Realized one thing in this Lockdown. Normal living expenses are very low. It's…
Read More Normal Living Expenses Are Low: Lockdown Realization (for F.I.R.E. guys!)
What is NPS + How NPS Works in India: Detailed Guide (Updated 2023)
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…
Read More What is NPS + How NPS Works in India: Detailed Guide (Updated 2023)
VPF Vs PPF: Which is better in 2023?
Voluntary Provident Fund or Public Provident Fund in 2023. 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…
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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…
Read More Don’t look at Returns of NPS (Equity Scheme E) in isolation. Here’s Why?
Difference between NPS Active & Auto Choice (Updated 2023)
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…
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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 2023 Update)
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…
Read More NPS Exit & Withdrawal Rules & Taxation (Latest 2023 Update)
NPS Rs 50,000 per year – Retirement Corpus & Pension Calculation (2023)
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…
Read More NPS Rs 50,000 per year – Retirement Corpus & Pension Calculation (2023)
Benefits of Fee-Only Advice in India
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 2023: 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 2023) & Interest Calculation EPF Balance
Are you looking for EPF Interest Rate for the financial year FY 2022-23?. EPF Interest Rate is 8.15% for the financial year FY 2022-23. This is as per the latest EPF interest rate 2023 notification of the government. Employee Provident…
Read More EPF Interest Rate History (Updated 2023) & Interest Calculation EPF Balance