Running out of Money before running out of Years. Read that again. It’s a big risk that many young people face today. But unfortunately, they are unaware of it. Suppose you have done some bit of retirement planning and have…
Category: Retirement Planning
PPF Rate Cuts (2020): Why PPF is still good for Long Term Goals?
PPF rates have gradually come down to 7.9% And as far as historical PPF rates are concerned, this is the first time (in 2017) that rates have dipped below 8% - sadly, the psychological risk-free rate barrier for many. Many…
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What is Goal-based Financial Planning Anyway?
When it comes to investing, most people are concerned whether their investments doing good - with respect to a benchmark or not (this benchmark can be an index, a friend or even a well-to-do family member). But ask them about…
Done Your Tax Planning? But what about Financial (Investment) Planning?
For most people, tax planning and investment planning are one and the same things. “I have already utilized the full limit of Section 80C. What else is left to invest for now?” – was the response of a friend, when…
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Getting Your Personal Finances in Order
There are people who struggle through their entire lives - just paying bills, loan EMIs and continuously doing things (or job) they don’t like. Lets aim not to be like those people.There are people who have no idea how they…
Not Planning for your Children-Specific Financial Goals? You will screw up your other Goals.
Retirement, Children’s Education, their Marriages and House. For most people, these are the biggest financial goals of their lives. Now at the face of it, these goals seem unrelated to each other. But if you think about it, you will…
Parents are not your Emergency Fund. Children are not your Retirement Fund.
Your Parents are not your Emergency Fund. Your Children are not your Retirement Fund. Those two are strong and thought-provoking statements. Isn’t it? I am sure many of you will be having a bit of a gut-wrenching experience right now…
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2 Colorful ‘Periodic Tables’ of Asset Allocation – Useful Visualizers for Financial Goal Planning
One of the most important concepts in financial planning is Asset Allocation. And without doubt I can say that, majority of people don’t get it right. That is the reason, these people end up with inadequate funds, when the goal-date…
What are your Systemically Important Investments?
Just yesterday, RBI announced the names of Systemically Important Banks of India. To put it simply, these are those banks whose failure will lead to catastrophic consequences for the country and its people, that is, us.This concept of Systemically Important Banks (or SIBs) gave…
Case Study – How Wrong Assumptions Can Destroy Your Happy Retirement Plans?
So you have finally realized that it is high time that you start investing for your retirement. And to help you with your planning, you have decided to make use of free-online-retirement-calculators.The beauty of online calculators is that it is…
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