The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for re ...More

The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for retirement planning. The ultimate financial growth from these investments significantly relies on future market performance, allowing both options to potentially build substantial wealth over time. ...Less

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During the gap years, retirees often overlook essential tax planning opportunities. This crucial time all ...More

During the gap years, retirees often overlook essential tax planning opportunities. This crucial time allows them to manage their taxable income before mandatory withdrawals kick in. One retiree found herself facing significantly higher tax bills in the future because she didn’t convert her savings. As her untouched 401(k) grew, required distributions increased. Engaging in proactive Roth conversions during periods of low income can enhance tax efficiency considerably. ...Less

Retirement security relies on habits formed over time. By starting early, investments harness the power o ...More

Retirement security relies on habits formed over time. By starting early, investments harness the power of compounding growth, leading to greater returns. It’s essential to account for inflation when planning for future expenses, as it can erode purchasing power. Establishing a disciplined savings plan lays a sturdy groundwork for achieving long-term financial aspirations. Institutions like Kotak Life provide tailored solutions to accommodate various life stages. ...Less

For retirees looking to maximise their post-tax earnings, allocating a Rs 4.5 cr corpus into mutual funds ...More

For retirees looking to maximise their post-tax earnings, allocating a Rs 4.5 cr corpus into mutual funds is a viable option. Utilising a bucket strategy allows for an effective diversification across various fund types—liquid, debt, and equity—facilitating consistent income generation. This tactic not only mitigates tax exposure more efficiently than fixed deposits but also yields tax exemptions on capital gains. ...Less

Axis Pension Fund has crossed Rs 20,000 crore in assets under management, doubling its AUM in 15 months a ...More

Axis Pension Fund has crossed Rs 20,000 crore in assets under management, doubling its AUM in 15 months amid growing adoption of the National Pension System. The pension fund said wider distribution, rising awareness and stronger customer trust have supported growth across retail, corporate, government and institutional segments. ...Less

The Employees Provident Fund (EPF) presents a government-backed savings scheme, ensuring consistent inter ...More

The Employees Provident Fund (EPF) presents a government-backed savings scheme, ensuring consistent interest rates with mandatory contributions from eligible employees. In contrast, the share market offers a more volatile investment route, where participation is entirely optional. While EPF secures tax advantages, pensions, and insurance, shares may promise greater returns but come with inherent risks. ...Less

The latest data indicates a minor easing of retirement fears across the US in August, attributed mostly t ...More

The latest data indicates a minor easing of retirement fears across the US in August, attributed mostly to fleeting worries over inflation and daily spending habits. While anxieties over Social Security and healthcare expenditures persisted without change, concerns regarding financial instability and caregiving roles for family members became more pronounced. Ultimately, the overarching sentiment surrounding retirement remains higher than normal expectations. ...Less

Taylor Sheridan planned to retire from Hollywood afterYellowstone—until the historic 6666 Ranch went up f ...More

Taylor Sheridan planned to retire from Hollywood afterYellowstone—until the historic 6666 Ranch went up for sale. After buying the legendary $330 million Texas property, Sheridan found himself back in overdrive, creating hit shows to help fund and preserve the iconic ranch. His planned retirement after Yellowstone therefore never quite happened. ...Less

See how your starting age can dramatically change the monthly SIP needed to build a Rs 10 crore retiremen ...More

See how your starting age can dramatically change the monthly SIP needed to build a Rs 10 crore retirement corpus by age 60, assuming a 12% annual return. ...Less

A woman in her 70s was shocked when her Social Security payment dropped to about $2,700 a month and the S ...More

A woman in her 70s was shocked when her Social Security payment dropped to about $2,700 a month and the SSA told her to repay $35,000 in alleged overpayments within 30 days. The case highlights how Social Security overpayments can leave beneficiaries facing sudden financial hardship and steep benefit cuts. ...Less

A 27-year-old software engineer has sparked a debate after revealing that he has built a net worth of Rs ...More

A 27-year-old software engineer has sparked a debate after revealing that he has built a net worth of Rs 1 crore but is already considering retirement. The techie, who works at a “FAANG-equivalent company” and freelances, said years of working seven days a week have left him exhausted by deadlines, performance reviews and layoff fears. ...Less

A Bengaluru couple, both 36, has built a Rs 11 crore liquid corpus after starting their careers in 2009 w ...More

A Bengaluru couple, both 36, has built a Rs 11 crore liquid corpus after starting their careers in 2009 with a combined Rs 1.9 LPA salary. They also own a Rs 6 crore home, spend around Rs 2.3 lakh monthly and have careers paying Rs 1.9 crore and Rs 80 lakh. Despite strong finances, they remain unsure about quitting. Pooja’s X post highlights the psychological challenge of deciding when financial independence truly feels like enough. ...Less

A KPMG employee in New Jersey Tina Bonnano turned to “soft retirement” after serious illness, brain fog a ...More

A KPMG employee in New Jersey Tina Bonnano turned to “soft retirement” after serious illness, brain fog and burnout made her 50- to 60-hour workweeks unsustainable. She now works about 20 hours a week while keeping key employment benefits, giving her more time to focus on hobbies, writing and her well-being. ...Less

Fixed deposits provide a reliable mechanism for achieving your financial objectives, combining predictabl ...More

Fixed deposits provide a reliable mechanism for achieving your financial objectives, combining predictable returns with versatile tenures. They are ideal for capital preservation and fostering consistent saving habits. When selecting an FD, it's essential to align the tenure with your goal's timeframe and desired amount. Comparing interest rates and payout options will optimize your returns, while reinvesting maturity proceeds can significantly boost long-term growth. ...Less

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A 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The ex ...More

A 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The expert highlights an inadequate retirement corpus projection, needing a revised calculation. Too many mutual funds create complexity and potential overlap for the current SIP amount. Goals approaching sooner need greater funding priority over longer-term objectives. A goal-wise approach is recommended, working backward from each financial target. ...Less

A 42-year-old PSU bank chief manager, who recently welcomed twins, sought a review of his family’s financ ...More

A 42-year-old PSU bank chief manager, who recently welcomed twins, sought a review of his family’s financial portfolio. With around 18 years to retirement, the couple has investments across mutual funds, fixed deposits, NPS and PPF, along with home and car loans. The key priorities are building a retirement corpus, funding their children’s education and marriage, and ensuring adequate financial protection. ...Less

CA Nitin Kaushik has warned Gurgaon homebuyers to look beyond the EMI when deciding whether they can affo ...More

CA Nitin Kaushik has warned Gurgaon homebuyers to look beyond the EMI when deciding whether they can afford a house. He said the real cost is the life buyers may have to sacrifice, including children’s education, parents, cars, investments, retirement and leisure. Kaushik asked whether people are buying homes to build better lives or gradually building their lives around paying for the house, urging buyers to rethink affordability. ...Less

A Pune-based DINK couple, both aged 38, has built a combined net worth of around Rs 11.5 crore through re ...More

A Pune-based DINK couple, both aged 38, has built a combined net worth of around Rs 11.5 crore through real estate, Indian and US investments, cash and retirement savings. With annual expenses of about Rs 22 lakh, the couple plans to work for another two to three years before considering early retirement, citing demanding careers, health concerns and the value of personal time. ...Less

Luckily, the squeeze phase doesn’t last forever. Kids grow up, loans get paid off and people enter peak e ...More

Luckily, the squeeze phase doesn’t last forever. Kids grow up, loans get paid off and people enter peak earning years as they move towards their 50s. And given the increase in surplus during this phase, many people can accelerate retirement contributions meaningfully. ...Less

Vamsi Ayyagari and Gajendra Sharma are among professionals who are leaving corporate jobs to follow their ...More

Vamsi Ayyagari and Gajendra Sharma are among professionals who are leaving corporate jobs to follow their entrepreneurial dreams. They focus on creating financial buffers while ensuring robust emergency funds and sufficient insurance coverage before making significant career changes. A solid retirement fund is similarly prioritized to support them during these new ventures, with careful planning reducing the risks of stepping away from stable employment. ...Less

An investment advisor recommends a tailored strategy for a surplus of Rs 1.31 crore, focusing on balancin ...More

An investment advisor recommends a tailored strategy for a surplus of Rs 1.31 crore, focusing on balancing risk and stability for retirement aspirations. This plan involves a staggered investment approach via a systematic transfer plan (STP) spanning four to seven years. The proposed portfolio diversifies into equity, hybrid funds, arbitrage, and gold investments, aiming for capital growth while safeguarding assets as retirement approaches. ...Less

Can EPF contributions secure a comfortable retirement for those with higher salaries. With an annual inco ...More

Can EPF contributions secure a comfortable retirement for those with higher salaries. With an annual income of ₹15 lakh, one can potentially accumulate a significant retirement fund corpus. However, rising inflation and healthcare expenses highlight the urgent need for a diversified investment strategy to ensure a financially stable future. ...Less

Benes can appear as informal shorthand for “benefits”, while Benešis a Czech and Slovak surname derived f ...More

Benes can appear as informal shorthand for “benefits”, while Benešis a Czech and Slovak surname derived from Benedikt, or Benedict. This Word of the Day explores the different uses of the term, its linguistic roots and how context can give the same spelling very different meanings. ...Less

At the age of 59, Oregon veterinarian Ron Titterington walked away from a stressful $150,000-a-year execu ...More

At the age of 59, Oregon veterinarian Ron Titterington walked away from a stressful $150,000-a-year executive job and chose “soft retirement” instead. The risk paid off. By working flexible relief shifts on his own terms, he now earns almost twice as much while enjoying greater freedom, less stress, corporate burnout and more time with family. ...Less

Financial action is moving faster than financial preparedness among employees, with many investing, explo ...More

Financial action is moving faster than financial preparedness among employees, with many investing, exploring new opportunities, and thinking about long-term goals, but still seeking clarity on fundamentals. A survey by financial education firm Finsafe sheds light on this paradox and the role employers can play. ...Less

Bangladesh's sports minister stated cricketer Shakib Al Hasan cannot play again. This decision follows hi ...More

Bangladesh's sports minister stated cricketer Shakib Al Hasan cannot play again. This decision follows his participation in an event with fugitive ex-prime minister Sheikh Hasina. Hasina was ousted two years ago after a crackdown on protests. Shakib, a former lawmaker, now faces government disapproval for his actions. The government had previously shown flexibility towards the cricketer. ...Less

Building a Rs 10 crore retirement fund in twenty years demands early and consistent monthly investments. ...More

Building a Rs 10 crore retirement fund in twenty years demands early and consistent monthly investments. An investor can start with Rs 53,700 monthly and increase contributions by ten percent annually. Factoring in inflation requires a higher starting SIP of Rs 85,000 with annual increases. Equity mutual funds, particularly flexi-cap and mid-cap, are recommended for aggressive investors. Consistent investing over two decades is the most crucial factor for reaching financial goals. ...Less

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Pensionbazaar has improved its Corporate National Pension System offering. This aims to make retirement p ...More

Pensionbazaar has improved its Corporate National Pension System offering. This aims to make retirement planning more accessible and seamless for employees. The platform simplifies onboarding, contribution management, and account servicing for employers. Employees can now digitally manage their retirement corpus and track progress easily. This initiative seeks to make retirement planning a workplace priority and a natural financial journey. ...Less

An expert guides a 60-year-old investor on managing a large mutual fund portfolio. The advice focuses on ...More

An expert guides a 60-year-old investor on managing a large mutual fund portfolio. The advice focuses on dividing investments into three baskets for liquidity and growth. This strategy aims to balance immediate needs with long-term wealth creation goals. The expert suggests increasing large-cap exposure and avoiding certain fund categories. Restructuring aims to simplify the portfolio and align it with retirement planning needs. ...Less

A Public Provident Fund (PPF) is a long-term, small savings scheme offered by the government of India. Th ...More

A Public Provident Fund (PPF) is a long-term, small savings scheme offered by the government of India. The PPF offers an attractive interest rate and tax benefits under the Old Tax Regime. The PPF interest rate is 7.1% for this quarter. Interest earned is tax-free under the Income Tax Act 2025. ...Less

India’s falling total fertility rate, which currently stands at 1.9, below the replacement rate of 2.1, h ...More

India’s falling total fertility rate, which currently stands at 1.9, below the replacement rate of 2.1, has ignited debates around smaller families, DINK (double income, no kids) households and the single-child parenting approach. Many affluent couples today are choosing to have just one child. They want to optimise their resources for that child. While such decisions are shaped by multiple factors, economic considerations play a crucial role. ...Less

Apollo Global Management has posted unprecedented fees from its lending and insurance sectors, though ass ...More

Apollo Global Management has posted unprecedented fees from its lending and insurance sectors, though asset sales fell short, resulting in a stock price decline. The company wisely postponed certain divestitures in response to market conditions, while notching up quarterly records in both fee-related and spread earnings. With an upcoming focus on enhancing transparency and liquidity for its private assets, Apollo is adapting to market demands. ...Less

Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on ...More

Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on EMI affordability rather than complete debt elimination. High-interest unsecured loans pose the greatest risk to retirement finances. Strategic debt management and income generation can support manageable EMIs. Planning finances across life stages helps avoid retirement debt burdens. ...Less

From portfolio management services (PMS) and alternative investment funds (AIFs) to private credit, these ...More

From portfolio management services (PMS) and alternative investment funds (AIFs) to private credit, these asset classes offer the potential to enhance risk-adjusted returns, albeit with higher risk and lower liquidity. ...Less

Financial experts say retirement planning should focus on purpose-driven portfolios rather than arbitrary ...More

Financial experts say retirement planning should focus on purpose-driven portfolios rather than arbitrary corpus targets. A balanced mix of liquidity, fixed income and equities can provide stable income, protect against inflation and support long-term financial security throughout retirement. ...Less

Not many investors know whether they have invested in the right funds and if their fund portfolio is on t ...More

Not many investors know whether they have invested in the right funds and if their fund portfolio is on track. The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals. ...Less

Nearly half of NRI property owners seek investment diversification in India now. Most properties entering ...More

Nearly half of NRI property owners seek investment diversification in India now. Most properties entering the sale pipeline are residential assets acquired between 2010 and 2019. Owners are reassessing their role in financial portfolios after long-term settlement abroad. Many intend to transfer sale proceeds overseas after property sales conclude. Properties are concentrated in Maharashtra, Delhi-NCR, Kerala, Gujarat, and Karnataka. ...Less

Financial planning: Investing ten lakh rupees requires aligning financial goals with suitable timeframes. ...More

Financial planning: Investing ten lakh rupees requires aligning financial goals with suitable timeframes. Short-term goals necessitate conservative assets offering high liquidity and capital protection. Medium-term objectives allow for a balanced approach with hybrid and equity fund allocations. Long-term wealth creation benefits from a significant allocation towards diversified equity funds. Investors should also consider tax implications and rebalance portfolios as goals approach. ...Less

A 35-year-old investor from Hyderabad, aiming to retire in the next 10 years, sought expert advice on whe ...More

A 35-year-old investor from Hyderabad, aiming to retire in the next 10 years, sought expert advice on whether his Rs 42,500 monthly SIP portfolio can help build a retirement corpus of Rs 1 crore. While the target appears achievable with disciplined investing, the expert recommended simplifying the 14-fund portfolio and reviewing retirement needs beyond just the corpus size. ...Less

CA Nitin Kaushik says most people fail to build wealth not because they earn less, but because they rely ...More

CA Nitin Kaushik says most people fail to build wealth not because they earn less, but because they rely on motivation instead of systems. He explained that human psychology often leads to inertia and impulsive spending. Kaushik suggests automating investments and using financial tools with withdrawal restrictions to reduce dependence on willpower. According to him, the right financial architecture can turn consistency into a long-term wealth-building advantage. ...Less

Being rich does not automatically make you a better investor. It just means that you get sold to differen ...More

Being rich does not automatically make you a better investor. It just means that you get sold to differently. And it makes you more vulnerable and a better target! The system is often designed to sell what brings the most commission, not what suits the client. And often, higher commissions are used to sell the comparatively worst and unsuitable products. ...Less

Bengaluru CA Meenal Goel urged couples not to overspend on lavish weddings to impress relatives, arguing ...More

Bengaluru CA Meenal Goel urged couples not to overspend on lavish weddings to impress relatives, arguing that Rs 20 lakh can disappear in less than 48 hours while its financial impact lasts for years. She broke down typical wedding expenses and suggested balancing spending by allocating only 35% to the wedding, with the rest going towards investments, a home and an emergency fund. Her message: build a marriage, not just a wedding. ...Less

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As the technology has spread, countries have become increasingly concerned with so-called "AI sovereignty ...More

As the technology has spread, countries have become increasingly concerned with so-called "AI sovereignty" -- developing domestic models serving their own security, privacy and business interests. A spokesperson for South Korea's science ministry told AFP Tuesday that a government initiative aims to roll out a general-purpose AI chatbot as well as an AI agent capable of more complex tasks by the end of the year. ...Less

Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains availab ...More

Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains available under the new tax regime for salaried individuals. Private sector employees switching to the new regime find this deduction particularly attractive. Employer contributions lower taxable income and build retirement savings simultaneously. ...Less

An investor seeks expert guidance for his daughter's education and retirement goals. A financial planner ...More

An investor seeks expert guidance for his daughter's education and retirement goals. A financial planner suggests a diversified portfolio and Systematic Transfer Plan for new investments. The expert advises rebalancing the current portfolio for better risk management. Systematic Withdrawal Plan offers a tax-efficient way to generate retirement income. Emergency funds should be kept accessible and in the investor's name. ...Less

Shubman Gill stated no team discussions occurred regarding Rohit Sharma's ODI future. Rohit Sharma scored ...More

Shubman Gill stated no team discussions occurred regarding Rohit Sharma's ODI future. Rohit Sharma scored a record century at Lord's in the third ODI. India lost the series-deciding match by twenty-seven runs to England. Sharma's brilliant 138 runs were not enough to secure victory for India. England posted a record 387/3, which proved too high a target. ...Less

A 66-year-old woman with minimal retirement savings sought advice from Dave Ramsey. Ramsey outlined a dis ...More

A 66-year-old woman with minimal retirement savings sought advice from Dave Ramsey. Ramsey outlined a disciplined plan to help her build a stable retirement nest egg. This plan involves saving for a down payment and buying a modest home. The couple will continue investing fifteen percent of their income for retirement. This strategy offers hope for a manageable retirement with a paid-off home. ...Less

Go Digit Life Insurance has entered India's retirement solutions segment. The insurer is betting on growi ...More

Go Digit Life Insurance has entered India's retirement solutions segment. The insurer is betting on growing demand for pension and annuity products. This move expands their offerings beyond protection and savings products. The company launched the Digit Life Pension Plan for customers. This plan offers guaranteed and market-linked income options. ...Less

ET Wealth Reader's Query: I will retire in four years. I have Rs 95 lakh in Provident Fund savings and ex ...More

ET Wealth Reader's Query: I will retire in four years. I have Rs 95 lakh in Provident Fund savings and expect Rs 20 lakh as gratuity. I have no liabilities. How to invest this corpus to get a monthly income of Rs 1 lakh? ...Less

Retire-Meant®- Adding meaning to your Retired Life ...More

Retire-Meant®- Adding meaning to your Retired Life ...Less

Consumers now have vast financial information readily available. However, this abundance creates complexi ...More

Consumers now have vast financial information readily available. However, this abundance creates complexity and uncertainty for many individuals. Structured learning platforms are emerging to address this growing need. These platforms help build confidence and understanding beyond mere information consumption. Financial literacy is now measured by decision-making confidence, not just access. ...Less

Quote of the day by Ogden Nash reminds people that financial freedom often begins with consistent effort. ...More

Quote of the day by Ogden Nash reminds people that financial freedom often begins with consistent effort. The famous line explains the paradox that people must work to earn enough money before they can choose not to work. The quote also highlights planning, saving, investing and defining personal goals. Even though the words are humorous, they continue to remain relevant in discussions about money, careers and modern work culture. ...Less

Retirement planning India: Retiring with Rs 2 crore? Experts advise a prudent 3.5-4% withdrawal rate, yie ...More

Retirement planning India: Retiring with Rs 2 crore? Experts advise a prudent 3.5-4% withdrawal rate, yielding around Rs 60,000-Rs 70,000 monthly. This sustainable income hinges on lifestyle, inflation, and investment strategy, with a balanced portfolio of equities and bonds crucial. Avoiding common pitfalls like excessive early withdrawals and neglecting healthcare costs ensures your corpus lasts. ...Less

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Ignoring inflation means you will save much less than what you will need years down the line. You have to ...More

Ignoring inflation means you will save much less than what you will need years down the line. You have to invest in such a way that you beat inflation, that is, earn returns that are at least a couple of percentage points above the inflation rate. ...Less

Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contri ...More

Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contributions increases take-home pay but lowers future savings. Investing saved amounts in equities may offer higher returns over time. A disciplined approach to investing is crucial for long-term financial success. The decision depends on individual financial goals and risk tolerance. ...Less

Nearing retirement and confused between bank FDs and SWPs for monthly income? An expert suggests a balanc ...More

Nearing retirement and confused between bank FDs and SWPs for monthly income? An expert suggests a balanced approach. Instead of picking just one, combine safe instruments like FDs for immediate expenses with hybrid or equity funds for growth. ...Less

It is often witnessed that the aggression of marketing executives in AMCs to onboard an investor is not r ...More

It is often witnessed that the aggression of marketing executives in AMCs to onboard an investor is not reciprocated while settling death claims, when the bereaved family expects empathy and handholding, and the funds to relieve them from the stress of having lost a loved one. Sebi should review the ground-level situation with SWPs becoming a financial trap for surviving spouses. ...Less

Despite rising incomes and careers, many Indian women still don't make independent financial decisions. F ...More

Despite rising incomes and careers, many Indian women still don't make independent financial decisions. Financial literacy, confidence and structured learning are helping more women take control of their wealth and future. ...Less

Retirement planning should focus on generating sustainable income while ensuring the corpus lasts through ...More

Retirement planning should focus on generating sustainable income while ensuring the corpus lasts throughout life. Key factors include accounting for inflation, healthcare costs, liabilities, and lifestyle needs. Maintaining a balanced asset mix with some equity exposure for growth and gradually increasing debt allocation with age can provide liquidity and stability. ...Less

Employees’ Provident Fund interest for FY 2025-26 will be credited by July 15, 2026. Subscribers will rec ...More

Employees’ Provident Fund interest for FY 2025-26 will be credited by July 15, 2026. Subscribers will receive an 8.25% interest rate on their EPF contributions. This marks the third consecutive year the interest rate remains unchanged. EPFO members can check their balance through the UMANG app or SMS service. Interest accrues monthly, so delays do not cause subscriber losses. ...Less

It was, probably, not just the Indian markets which took the fresh US-Iran flare-up in its stride. The no ...More

It was, probably, not just the Indian markets which took the fresh US-Iran flare-up in its stride. The non-tech part of the US markets also seemed to respond similarly. Of course, one has to look at the tech part as well. Why? Because there is a possibility that the Nasdaq may chart its own course. ...Less

The government has extended additional National Pension System investment choices. These options are now ...More

The government has extended additional National Pension System investment choices. These options are now available to employees of central autonomous bodies. Aggressive Life Cycle Fund LC-75-High offers up to seventy-five percent equity exposure. Balanced Life Cycle Fund provides a fifty percent equity cap. This move enhances subscriber flexibility and pension planning options. ...Less

Central government employees now have two new investment choices. These options were previously available ...More

Central government employees now have two new investment choices. These options were previously available only to central government employees. Now, National Pension System subscribers in Central Autonomous Bodies can also access them. ...Less

Retirement planning: Dipping into your retirement corpus for urgent needs can be a costly mistake, potent ...More

Retirement planning: Dipping into your retirement corpus for urgent needs can be a costly mistake, potentially costing you lakhs by retirement. Experts emphasize building a robust emergency fund, ideally covering six months to two years of expenses. This fund, held in low-risk, easily accessible instruments like savings accounts or liquid funds, acts as a crucial buffer against unforeseen events, safeguarding your long-term financial future. ...Less

Thousands of Indian professionals returning from the UK often leave their pension untouched, facing risks ...More

Thousands of Indian professionals returning from the UK often leave their pension untouched, facing risks due to misunderstandings of HMRC rules and product choices. Ignoring this vital asset incurs inflation and regulatory costs. Currently, a strong pound, cooler Indian equity markets, and favourable annuity rates present a unique opportunity for beneficial transfers. However, a successful transfer demands a robust retirement plan post-arrival in India. ...Less

Retiring with Rs 1.5 cr can provide a monthly income, but the amount depends on risk appetite and investm ...More

Retiring with Rs 1.5 cr can provide a monthly income, but the amount depends on risk appetite and investment returns. Experts suggest withdrawal rates between 4.5% and 6.5% annually, with potential monthly incomes ranging from Rs 70,000 to Rs 1.2 lakh. A bucket strategy is recommended for managing immediate needs and long-term growth. ...Less

A 45-year-old salaried investor with a Rs 3 lakh monthly income sought expert advice on whether his mutua ...More

A 45-year-old salaried investor with a Rs 3 lakh monthly income sought expert advice on whether his mutual fund portfolio can support retirement at 60. The expert recommended continuing disciplined SIPs, consolidating 17 mutual fund schemes into seven, maintaining liquidity, and avoiding premature allocation for discretionary goals like buying a luxury car. ...Less

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As a single parent, it’s crucial for Aditi Kaul, a 44-year-old chartered accountant, to prioritise retire ...More

As a single parent, it’s crucial for Aditi Kaul, a 44-year-old chartered accountant, to prioritise retirement savings over other financial goals, including her daughter’s education fund. ...Less

India's Employees' Provident Fund (EPF) is undergoing a significant modernization with the EPF Scheme, 20 ...More

India's Employees' Provident Fund (EPF) is undergoing a significant modernization with the EPF Scheme, 2026. Existing subscribers will see continuity in their balances and membership, while new entrants will find a clearer framework for contributions and benefits. A key change involves increased flexibility for voluntary contributions, allowing employees to build larger retirement funds. ...Less

Retirement planning is crucial, regardless of your age or income. Many young earners delay saving due to ...More

Retirement planning is crucial, regardless of your age or income. Many young earners delay saving due to expenses, family support expectations, or prioritizing immediate gratification. However, delaying this can significantly impact your long-term financial security. Experts emphasize the power of compounding and urge prioritizing retirement savings, even with small amounts. Read on to know how you can start saving for your retirement in your 20s, and ways to build a healthy corpus. ...Less

The Reserve Bank of India has maintained the Floating Rate Savings Bond interest rate at 8.05% following ...More

The Reserve Bank of India has maintained the Floating Rate Savings Bond interest rate at 8.05% following the Finance Ministry's decision to keep the National Savings Certificate rate at 7.7%. This bond offers a 0.35% premium over the NSC, providing a competitive return compared to many small savings schemes and bank fixed deposits. ...Less

Retirement Mutual Fund Scheme could be a great option for helping you safeguard your future after your re ...More

Retirement Mutual Fund Scheme could be a great option for helping you safeguard your future after your retirement ...Less

Planning for your retirement is a process that is unique to you. It will depend on where you want to reti ...More

Planning for your retirement is a process that is unique to you. It will depend on where you want to retire, what lifestyle you want, and which retirement plan you prefer. ...Less

The study maps the retirement preparedness of consumers in India. It is measured on the basis of three co ...More

The study maps the retirement preparedness of consumers in India. It is measured on the basis of three components: health, financial and emotional index. ...Less

Bajaj Capital has appointed Jai Bajaj as its new Managing Director and CEO, marking a pivotal moment for ...More

Bajaj Capital has appointed Jai Bajaj as its new Managing Director and CEO, marking a pivotal moment for the 60-year-old firm. The company is embracing a technology-driven approach to financial advisory, aiming to become a lifelong partner for customers. Future plans include digital initiatives for financial readiness, retirement planning, and enhanced customer experiences, reinforcing its commitment to building strong, lasting relationships. ...Less

A Reddit post from a US-based Indian tech worker facing layoffs has sparked discussion about financial se ...More

A Reddit post from a US-based Indian tech worker facing layoffs has sparked discussion about financial security and relocating to India. The user, who has around Rs 6 crore in savings, asked whether it would be enough to live in India without a job while also worrying about an underwater house in the US and his children's education. Many Reddit users said the savings should be sufficient for a comfortable life, arguing that the bigger challenges are managing the move. ...Less

Our retirement model is too muddled at every stage: goal setting, funding, investment strategy, draw down ...More

Our retirement model is too muddled at every stage: goal setting, funding, investment strategy, draw down and bequest because we haven’t answered the fundamental question of how independent we truly desire to be. ...Less

Retirement is not just about age—it involves family, attitude, finances, and lifestyle. Despite meticulou ...More

Retirement is not just about age—it involves family, attitude, finances, and lifestyle. Despite meticulous planning, risks such as unforeseen life events, physical disability or outliving your assets can affect your plans. Having an alternate plan can often come in handy while planning for retirement. ...Less

Australia's Age Pension offers vital support for retirees, with eligibility hinging on age (currently 67) ...More

Australia's Age Pension offers vital support for retirees, with eligibility hinging on age (currently 67), residency, and financial assessments. Both income and asset tests, which exclude the primary home, determine payment amounts. Understanding these rules early is crucial for effective retirement planning, as maximum fortnightly payments vary for singles and couples based on their financial standing and homeownership. ...Less

Separating facts from myths and presenting information that counts, here’s all that you need to know abou ...More

Separating facts from myths and presenting information that counts, here’s all that you need to know about why you need a retirement corpus, from how to calculate one to how to protect one. Whether you are a millennial or a professional in their 40s, here’s how you can factor in some of the broader goals and assess some of the personal parameters to devise a solid retirement plan for yourself. ...Less

Retirees often face a dilemma investing their corpus, balancing safety with growth. Expert Abhijit Choksh ...More

Retirees often face a dilemma investing their corpus, balancing safety with growth. Expert Abhijit Chokshi advises a diversified approach for a Rs 1 crore investment, suggesting balanced advantage funds, quality debt funds for emergencies, and a cautious entry into equity via Systematic Transfer Plans (STPs). This strategy aims to manage risk and ensure peace of mind during market volatility, emphasizing a long-term perspective. ...Less

Indians are conscious about their retirement planning and they stand higher than the global average at 84 ...More

Indians are conscious about their retirement planning and they stand higher than the global average at 84%, reveals a survey by Accenture. ...Less

A 22-year-old who is about to start a job in Mumbai with a monthly salary of around Rs 1 lakh turned to R ...More

A 22-year-old who is about to start a job in Mumbai with a monthly salary of around Rs 1 lakh turned to Reddit for advice on retirement planning. After accounting for rent, living expenses and family support, he expects to have about Rs 20,000 left each month for savings and investments. Reddit users advised him to first build an emergency fund, buy health and term insurance, invest consistently and focus on increasing his income through upskilling, arguing that career growth can have a bigger impact on long-term wealth creation than constantly tweaking investments. ...Less

Career breaks, common for women, can impact retirement savings. Experts advise accepting the situation an ...More

Career breaks, common for women, can impact retirement savings. Experts advise accepting the situation and implementing a catch-up plan by temporarily increasing investments. Utilizing bonuses and reviewing portfolios for better returns are key. While aiming for higher gains, avoid excessive risk. Disciplined investing and strategic cash-flow management can help bridge the gap and secure financial independence. ...Less

The real problems in retirement planning are not about the corpus. If we have an aggressive saving habit ...More

The real problems in retirement planning are not about the corpus. If we have an aggressive saving habit and have enough income to not touch it while working, we are all likely to retire with enough wealth. ...Less

One of the common miscalculations which most people do while saving for retirement is the ability of the ...More

One of the common miscalculations which most people do while saving for retirement is the ability of the corpus to compensate for the inflation by raising the regular income regularly. ...Less

A household’s finances can easily fit in one worksheet of six columns, and it should be updated and maint ...More

A household’s finances can easily fit in one worksheet of six columns, and it should be updated and maintained once a year, to begin with. The first column should list every single asset that is owned, and every liability (outstanding loans) that is owed, entered as a negative number. The 2nd column, plus numbers against each item of column 1, would be the current market value. ...Less

Financial services is where FIIs go when they turn positive on India. History shows us that much of the m ...More

Financial services is where FIIs go when they turn positive on India. History shows us that much of the money goes to banks, and the wider financial services space. But remember: Financial services is not a single sector. It is a set of very different businesses under one umbrella. So it is important to understand the parts, not just the flow of money into them. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components – earnings, fundamentals, relative valuation, risk, and price momentum – to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Saving for retirement? Use the 30:30:30:10 rule ...More

Saving for retirement? Use the 30:30:30:10 rule ...Less

Saving for your retirement: The essence of retirement planning can be distilled into two fundamental aspe ...More

Saving for your retirement: The essence of retirement planning can be distilled into two fundamental aspects: saving as much as possible and making wise investment decisions. ...Less

About 56 million Americans lack access to a workplace retirement plan in 2026. The Trump 401(k) plan aims ...More

About 56 million Americans lack access to a workplace retirement plan in 2026. The Trump 401(k) plan aims to change that fast. President Donald Trump proposed a $1,000 federal retirement match for eligible workers. The plan targets low- and middle-income employees. It mirrors the federal Thrift Savings Plan model. Lawmakers may link it to Secure 2.0’s Saver’s Match. If approved, this could expand retirement savings access nationwide. ...Less

India’s retirement planning mindset is evolving, with rising mutual fund adoption and growing interest in ...More

India’s retirement planning mindset is evolving, with rising mutual fund adoption and growing interest in ETFs and REITs, even as actual preparedness declines. ...Less

NRIs are increasingly viewing India as a prime long-term investment hub, attracted by its growth potentia ...More

NRIs are increasingly viewing India as a prime long-term investment hub, attracted by its growth potential and tax efficiencies under certain DTAAs, especially for mutual fund gains. While diversifying globally, many are exploring structured real estate investments like REITs. Experts advise avoiding common pitfalls such as a lack of clear objectives and ignoring tax implications, emphasizing tailored strategies for global Indian investors. ...Less