A pension is not really a lump sum. It is years of groceries, medicines and bills paid out across a 25-ye ...More

A pension is not really a lump sum. It is years of groceries, medicines and bills paid out across a 25-year or longer retirement. Hence, the real enemy is not the market, but inflation—slowly eroding what your rupee buys. After a strong decade, it is wiser to expect a little less, and let cost and time do the heavy lifting that dazzling returns won’t. ...Less

A $10 million retirement account can create a major tax burden for someone retiring before 50. Forbes con ...More

A $10 million retirement account can create a major tax burden for someone retiring before 50. Forbes contributor Cicely Jones explains how 72(t) distributions can provide income before age 59½ while potentially avoiding the 10% federal early withdrawal penalty, but the strategy requires careful planning. ...Less

Jeffrey Maas, a 77-year-old retiree, lost his life savings after falling for a scam. He received a fake e ...More

Jeffrey Maas, a 77-year-old retiree, lost his life savings after falling for a scam. He received a fake email about an antivirus charge that led to a phone call with a scammer. Maas was manipulated into believing he had to buy gold to reverse a fraudulent deposit. He filed a lawsuit against his bank and the precious metals dealer for negligence. ...Less

Retirement savings reveal a stark contrast in average versus median values among different age brackets. ...More

Retirement savings reveal a stark contrast in average versus median values among different age brackets. For example, a typical 67-year-old has a considerably higher average savings compared to the median figure. Experts advise individuals to aim for savings of one to 1.5 times their gross income by age 35 to ensure a comfortable retirement. ...Less

While an expensive home is nothing less than an achievement, you must remember that the house in which yo ...More

While an expensive home is nothing less than an achievement, you must remember that the house in which you live produces no rent at all. Appreciation may increase your estate, but it does not pay this month’s grocery bill and the cost of that Sony PlayStation you wanted to gift to your grandchild. So, there are some questions that you need to ask for a well-planned retirement. ...Less

Navigating the unpredictable tides of market fluctuations can be particularly daunting for retirees. This ...More

Navigating the unpredictable tides of market fluctuations can be particularly daunting for retirees. This guide delves into balancing equity and debt in investment portfolios, highlighting strategies for managing withdrawals during market downturns, the critical role of a retirement buffer, and the necessity of adaptable financial plans to shield against economic uncertainties, thereby promoting a stable and comfortable retirement lifestyle. ...Less

PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This plat ...More

PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This platform will be integrated across various NPS interfaces for better assessment. The aim is to enable subscribers to make informed choices about their pension schemes. Recent studies indicate a growing interest in NPS among individuals planning for retirement. Despite increasing interest, pension coverage in India remains low at around 17-18%. ...Less

Former Australian batter Adam Voges anticipates a strong Indian Test team for the upcoming series. He exp ...More

Former Australian batter Adam Voges anticipates a strong Indian Test team for the upcoming series. He expects a challenging battle against the Aussies in the Border-Gavaskar Trophy. Voges believes India possesses significant young talent to fill the void. Australia has learned from past simultaneous retirements and plans staged transitions. Australian batters like Marnus Labuschagne face pressure to perform in upcoming matches. ...Less

Strategic planning of retirement withdrawals from a Rs 2.5 crore fund is essential for financial security ...More

Strategic planning of retirement withdrawals from a Rs 2.5 crore fund is essential for financial security. Adopting a conservative withdrawal rate that is lower than the annual returns can help sustain the corpus. By gradually increasing withdrawals based on a fixed percentage, retirees can plan for better financial longevity. Moreover, beginning with lower withdrawals and scaling them up annually contributes positively to corpus preservation. ...Less

Senior living communities offer security, healthcare support, maintenance-free living and companionship. ...More

Senior living communities offer security, healthcare support, maintenance-free living and companionship. But moving into one can require a large upfront payment, regular monthly charges and additional healthcare expenses. ...Less

The IRS is mailing notices about a retirement benefit that will not start until 2027. The letter does not ...More

The IRS is mailing notices about a retirement benefit that will not start until 2027. The letter does not mean a $1,000 payment is coming now. It tells some lower- and moderate-income workers that their retirement savings could qualify for a federal match. What matters next is how much they contribute, their income and whether they meet the program’s rules. ...Less

Is Rs 1 crore enough for retirement? A new study reveals declining confidence among urban Indians, with m ...More

Is Rs 1 crore enough for retirement? A new study reveals declining confidence among urban Indians, with many accumulating only 28% of their target corpus. Retirement planning is shifting earlier, with a growing focus on health and personal passions. Discover what truly defines retirement readiness beyond just financial savings. ...Less

The Department of Rural Development and PFRDA will create Pension Sakhis across rural India. These women ...More

The Department of Rural Development and PFRDA will create Pension Sakhis across rural India. These women will facilitate pension enrolment and retirement planning for SHG members. The initiative aims to improve financial inclusion and long-term savings in rural areas. Digital dashboards and mobile solutions will strengthen outreach and monitor progress effectively. This collaboration supports sustainable prosperity and economic advancement for rural households. ...Less

Rep. Haley Stevens has introduced the Blue Collar Social Security Fairness Act to Congress this week. Thi ...More

Rep. Haley Stevens has introduced the Blue Collar Social Security Fairness Act to Congress this week. This bill allows eligible workers in physically demanding occupations to receive full benefits at the age of 60. Under current regulations, workers can claim full retirement benefits at 67 or begin collecting at 62 with reduced amounts. ...Less

For the longest time, we had a defined benefit plan. Even today, we have around us many retired governmen ...More

For the longest time, we had a defined benefit plan. Even today, we have around us many retired government and public sector employees (and their widows and dependent children as applicable) earning a lifetime inflation-adjusted monthly pension that is way beyond their contributions during their earning years. ...Less

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India has made major strides in women’s financial participation, with rising workforce participation, ban ...More

India has made major strides in women’s financial participation, with rising workforce participation, bank-account ownership and entrepreneurship, but a wide protection gap remains in insurance. Women still account for only about a third of individual life insurance ownership and under a third of health insurance proposers, highlighting the need for products that better reflect longer lifespans, career breaks, caregiving and changing financial responsibilities. ...Less

Tax efficiency and stability win some advisers over, but others fear giving up returns and control. ...More

Tax efficiency and stability win some advisers over, but others fear giving up returns and control. ...Less

The multiple-scheme framework introduced last year, the lower mandatory annuitisation requirement, and th ...More

The multiple-scheme framework introduced last year, the lower mandatory annuitisation requirement, and the growing focus on non-government subscribers and gig workers are broadening NPS’s appeal, Sriram Iyer, MD & CEO, HDFC Pension Fund, tells Preeti Kulkarni. ...Less

A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two chil ...More

A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two children’s education. With savings of Rs 1.68 cr from diverse investments, she plans to pay off her home loan by December 2026. Experts suggest she aim for a retirement fund between Rs 4-4.5 cr and adapt her investment strategy as her financial goals draw near. ...Less

Changing jobs? Make sure your National Pension System (NPS) account doesn’t get overlooked. Learn how you ...More

Changing jobs? Make sure your National Pension System (NPS) account doesn’t get overlooked. Learn how your Permanent Retirement Account Number (PRAN) stays transferable, what happens to your contributions when you switch jobs, and why reassessing your retirement savings plan is essential during this transition, not just adjusting your paycheck. ...Less

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High-value trees like teak and sandalwood are emerging as long-term agricultural assets. These trees offe ...More

High-value trees like teak and sandalwood are emerging as long-term agricultural assets. These trees offer potential income for retirement planning over many years. Malabar neem provides a faster timber option, ready for harvest in eight to ten years. Moringa offers income within months, suitable for intercropping with slower trees. Carefully managed agroforestry systems can improve land productivity and carbon sequestration. ...Less

The unwieldy retirement scheme is becoming more organised through risk-based classification, standardised ...More

The unwieldy retirement scheme is becoming more organised through risk-based classification, standardised disclosures, uniform naming conventions, and consistent presentation. ...Less

The demolition of the Minneapolis Metrodome set a remarkable benchmark, with over eighty percent of its m ...More

The demolition of the Minneapolis Metrodome set a remarkable benchmark, with over eighty percent of its materials recycled, diverting numerous tons from landfills for repurposing. Despite this achievement, it highlights the broader issue of demolition waste across the United States, where debris from construction outstrips household waste each year. Although concrete recycling offers a solution, the environmental impact of the industry remains troubling. ...Less

Actress Susan Sarandon's dream of an off-grid Vermont estate encountered significant construction problem ...More

Actress Susan Sarandon's dream of an off-grid Vermont estate encountered significant construction problems and a lawsuit. Her company filed suit against the contractor, alleging misrepresentation and inflated invoices for the $2 million project. Engineers and staff identified forty-seven separate issues, including mold and buckled siding. While the lawsuit was dismissed, it serves as a cautionary tale for sustainable home construction. ...Less

As families shrink and longevity rises, senior living offers independence, companionship and security. Bu ...More

As families shrink and longevity rises, senior living offers independence, companionship and security. But the comfort comes at a real cost. ...Less

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

Determining whether a parent or a student should take on an education loan is an important decision. Alth ...More

Determining whether a parent or a student should take on an education loan is an important decision. Although the student is the main borrower, having a co-borrower can be beneficial. It’s essential to think about potential future income for repayment rather than merely focusing on admission offers. ...Less

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

Retirement doesn't mean tax-free mutual fund income. Understand how capital gains, IDCW payouts, and SWPs ...More

Retirement doesn't mean tax-free mutual fund income. Understand how capital gains, IDCW payouts, and SWPs are taxed. Discover strategies like leveraging rebates, choosing between Growth and IDCW, and planning withdrawals to minimize your tax burden and maximize post-retirement income. Plan wisely for a secure financial future. ...Less

A 70-year-old Texas woman invested $150,000 of her retirement savings to create an all-women tiny-home co ...More

A 70-year-old Texas woman invested $150,000 of her retirement savings to create an all-women tiny-home community where residents pay just $450 a month. Now, more than 500 women are waiting for a spot. ...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

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

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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

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

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

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

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

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

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

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

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 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

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

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

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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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

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

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

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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

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

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

Everyone is planning for retirement these days. Read this. ...More

Everyone is planning for retirement these days. Read this. ...Less

While 70 per cent of companies feel that increased employee education is the need of the hour, 59 per cen ...More

While 70 per cent of companies feel that increased employee education is the need of the hour, 59 per cent suggest making access to plans simple and easy. ...Less