The Indian institutional framework poses unexpected risks. Not only is insurance costly for seniors, it’s ...More

The Indian institutional framework poses unexpected risks. Not only is insurance costly for seniors, it’s not available as a standardised social welfare benefit. Unexpected spikes in health cost can throw off a retiree’s spending patterns well out of balance. Reliance on children and privatisation of senior health care poses a serious risk. ...Less

Axis Pension Fund intends to enhance its National Pension System offerings to provide better retirement s ...More

Axis Pension Fund intends to enhance its National Pension System offerings to provide better retirement savings options. The introduction of NPS Swasthya addresses the health insurance needs for older customers effectively. Despite tax benefits, low awareness continues to hinder corporate NPS uptake among employees. Further clarity on Tier-II NPS account taxation and extended tax deductions could encourage broader participation. ...Less

PhonePe has introduced a digital process for users to open National Pension System accounts. This new fac ...More

PhonePe has introduced a digital process for users to open National Pension System accounts. This new facility allows an initial contribution of Rs 250 without needing to upload documents. Users can verify their linked bank accounts using OTPs and make payments through PhonePe UPI. The service is aimed at individuals looking to start retirement planning easily and flexibly. Future expansions will include additional banking partners to enhance accessibility. ...Less

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Should you continue investing in equities in the age of AI? Is your retirement plan on track? And have yo ...More

Should you continue investing in equities in the age of AI? Is your retirement plan on track? And have you considered how your wealth will be passed on to the next generation? The ET Wealth Expo 2026 will address these and other financial questions on October 30 and 31 in Mumbai. ...Less

Short-, mid- and long-term money goals made simple. Build an emergency fund, clear debt, start a SIP and ...More

Short-, mid- and long-term money goals made simple. Build an emergency fund, clear debt, start a SIP and plan retirement, with examples in rupees. ...Less

Looking for the best place to retire in India? Compare Coimbatore, Mysore, Chandigarh, Pune, Kochi, Goa a ...More

Looking for the best place to retire in India? Compare Coimbatore, Mysore, Chandigarh, Pune, Kochi, Goa and more on healthcare, climate and cost of living. ...Less

In the US, parents tend to protect their assets for their own use in retirement, and choose to not spend ...More

In the US, parents tend to protect their assets for their own use in retirement, and choose to not spend it disproportionately on their children’s education or marriage. In India, there is a clear understanding that the assets accumulated by parents will be bequeathed by their children, for many of whom it is a major wealth transfer. ...Less

No EPF, no pension. Learn how Indian freelancers can save tax and build a retirement corpus in 2026-27 us ...More

No EPF, no pension. Learn how Indian freelancers can save tax and build a retirement corpus in 2026-27 using NPS, PPF, ELSS and the right tax regime. ...Less

Cutting through money jargon, one topic at a time. This week, Sanket Dhanorkar explains what is safe with ...More

Cutting through money jargon, one topic at a time. This week, Sanket Dhanorkar explains what is safe withdrawal rate and how you can ensure a smooth retired life. ...Less

Four retirees tell us how they planned for a market fall long before it came. What these four individuals ...More

Four retirees tell us how they planned for a market fall long before it came. What these four individuals did smartly was not adjust their portfolio strategies based on market conditions, but control and plan for three key variables: how large the corpus is relative to annual spending, how many years of expenses are insulated from equity, and how diversified the portfolio is across asset classes. ...Less

Microsoft, Amazon, Alphabet and Meta are collectively on track to pour roughly $700 billion into AI data ...More

Microsoft, Amazon, Alphabet and Meta are collectively on track to pour roughly $700 billion into AI data centers, chips and computing infrastructure this year alone. ...Less

Mirae Asset Life Cycle Fund 2056 seeks to address gap through an automatic 30-year glide path that gradua ...More

Mirae Asset Life Cycle Fund 2056 seeks to address gap through an automatic 30-year glide path that gradually shifts the portfolio from equity towards debt, arbitrage and gold. The fund moves through five stages, reducing net equity exposure from 70–90% in its early years to 10–25% as 2056 approaches, allowing investors to pursue long-term growth while progressively protecting their retirement corpus ...Less

From diversifying beyond equities and exploring real estate investments to planning early retirement, nav ...More

From diversifying beyond equities and exploring real estate investments to planning early retirement, navigating legal complexities and understanding the wealth potential of artificial intelligence, Day 2 of ET Wealth Expo 2026 will examine how investors can multiply wealth, achieve financial freedom and make informed financial decisions. ...Less

Bola Sokunbi saved $100,000 within three years of graduating and kept investing when markets fell in 2007 ...More

Bola Sokunbi saved $100,000 within three years of graduating and kept investing when markets fell in 2007. About a decade later, her portfolio had grown beyond $1 million. ...Less

ET Wealth Reader's Query: I am 60 with a retirement corpus of Rs 2.5 crore. How should I invest it to gen ...More

ET Wealth Reader's Query: I am 60 with a retirement corpus of Rs 2.5 crore. How should I invest it to generate a steady monthly income and ensure it lasts through retirement? I plan to work part-time for five years, earning about Rs 1 lakh a month, and have no major liabilities. ...Less

The career change of Sumit Aggarwal to a mutual fund distributor illustrates a notable trend within the f ...More

The career change of Sumit Aggarwal to a mutual fund distributor illustrates a notable trend within the financial advisory realm in India. With a vast number of investors, there's a growing necessity for certified financial planners. Educational institutes are responding by launching targeted courses, promoting credentialing opportunities like CFP and QPFP for finance professionals. As demand for expert guidance rises, the financial planning sector is expected to experience notable expansion. ...Less

Find out how lifestyle creep undermines wealth creation and how to enjoy a better standard of living with ...More

Find out how lifestyle creep undermines wealth creation and how to enjoy a better standard of living without sacrificing your financial goals. ...Less

Working Indians across generations are increasingly proactive towards retirement planning, even as most b ...More

Working Indians across generations are increasingly proactive towards retirement planning, even as most believe they are not adequately—either financially, physically or emotionally— prepared for their twilight years, the latest edition of an annual study by Axis Max Life Insurance shows. 1 in 2 respondents think they should start plan ning for retirement from their 1st pay cheque. ...Less

The ET Wealth Expo 2026 introduces a comprehensive six-stage framework for optimal wealth creation and ma ...More

The ET Wealth Expo 2026 introduces a comprehensive six-stage framework for optimal wealth creation and management. It covers vital areas like earning, building, protecting, growing, retiring, and transferring wealth through various engaging sessions. Participants will delve into innovative income streams, investment opportunities, and strategies for financial protection, alongside retirement planning. The expo also emphasizes effective legacy transfer techniques and maintaining continuity in wealth management. ...Less

From building wealth in the AI age and identifying investment opportunities to protecting assets, plannin ...More

From building wealth in the AI age and identifying investment opportunities to protecting assets, planning for retirement and transferring wealth across generations, Day 1 of ET Wealth Expo 2026 will bring together leading financial experts to explore the three pillars of long-term wealth management: Build, Protect and Legacy. ...Less

SIMPLE IRA catch-up contribution limits for 2026 allow eligible workers aged 60 to 63 to contribute up to ...More

SIMPLE IRA catch-up contribution limits for 2026 allow eligible workers aged 60 to 63 to contribute up to $5,250 extra toward retirement. Learn about the $17,000 standard contribution limit, eligibility rules and employer contribution requirements. ...Less

Workers turning 60 to 63 in 2026 have a higher catch-up contribution limit for workplace retirement plans ...More

Workers turning 60 to 63 in 2026 have a higher catch-up contribution limit for workplace retirement plans. This enhanced limit allows contributions of $11,250 compared to $8,000 for those age 50 and above. The catch-up contributions to eligible plans may affect taxable income based on the contribution type. Eligible plans include 401(k) and 403(b), but not individual retirement accounts. ...Less

As retirement approaches, investors must prioritize sustainable income from their portfolios. Take, for e ...More

As retirement approaches, investors must prioritize sustainable income from their portfolios. Take, for example, a 59-year-old managing Rs 1.51 crore, seeking Rs 16,000 monthly via a systematic withdrawal plan. Experts suggest portfolio reallocation and asset diversification among fund houses. By structuring investments into three distinct categories based on cash flow, investors can better navigate withdrawals, reducing the risk associated with liquidating assets during market dips while ensuring dependable income. ...Less

CA Nitin Kaushik has warned that building wealth for children is only half the job, as parents must also ...More

CA Nitin Kaushik has warned that building wealth for children is only half the job, as parents must also prepare them to manage their inheritance. He highlighted how financial knowledge, from investments and liabilities to insurance and nominees, can help preserve family wealth. Kaushik also urged parents to organise essential documents and introduce children to saving, debt, banking and investing through age-appropriate conversations. ...Less

While AI can be utilized for research, some financial experts are skeptical about the legal responsibilit ...More

While AI can be utilized for research, some financial experts are skeptical about the legal responsibilities of the technology. Certified financial planners have a legal responsibility to give the most fitting advice while AI tools don't. Ultimately, the decisions a person makes based on AI advice are their responsibility. ...Less

California's public pension system has resulted in over 63,000 retirees collecting annual pensions exceed ...More

California's public pension system has resulted in over 63,000 retirees collecting annual pensions exceeding $100,000. These significant payouts have raised questions about the sustainability of California's pension commitments and taxpayer burden. Increased salaries, longevity of retirement, and legislative changes have contributed to the rising costs. Local government officials are increasingly concerned about the financial pressure on public services due to pension obligations. ...Less

Social Security checks are likely expanding next year. The exact increase remains weeks away, but early d ...More

Social Security checks are likely expanding next year. The exact increase remains weeks away, but early data points toward a 4.7% Cost-of-Living Adjustment for 2027. If independent forecasts hold true, older Americans will receive the fourth-largest benefit hike in a quarter-century. ...Less

Compounding can help mutual fund investors build long-term wealth by generating returns on accumulated ga ...More

Compounding can help mutual fund investors build long-term wealth by generating returns on accumulated gains. Through regular SIP investments, even small contributions can grow significantly over time. An example of a Rs 10,000 monthly SIP over 20 years shows how starting early, staying consistent and remaining invested can boost wealth creation. ...Less

Business owners reviewing 2026 taxes shouldn't overlook employee health benefits. Group health insurance ...More

Business owners reviewing 2026 taxes shouldn't overlook employee health benefits. Group health insurance premiums are fully deductible, while qualifying HSA, HRA and FSA contributions can also provide tax advantages. For eligible small businesses, the Small Business Health Care Tax Credit may further offset premium costs. ...Less

Social Security claiming rules could soon use new terminology under the Claiming Age Clarity Act. The bil ...More

Social Security claiming rules could soon use new terminology under the Claiming Age Clarity Act. The bill would change how key claiming ages are described, aiming to make the impact on monthly benefits easier to understand. Here’s what could change and what it means for retirees. ...Less

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

The 2026 tax rules quietly give retirement savers more room to plan. The IRA contribution limit has climb ...More

The 2026 tax rules quietly give retirement savers more room to plan. The IRA contribution limit has climbed to $7,500, while 401(k), 403(b) and 457(b) limits have also increased. The standard deduction is higher, too. These changes may look modest individually, but together they can affect how much income you save, shelter or keep during the year. ...Less

Goldman Sachs' latest survey uncovers a surprising trend: many high-income earners are struggling to make ...More

Goldman Sachs' latest survey uncovers a surprising trend: many high-income earners are struggling to make ends meet, living paycheck to paycheck. Both individuals earning over $300,000 and under $100,000 are affected, often delaying important financial ambitions. Key challenges cited include escalating housing costs, daily expenses, and debt obligations. As workers increasingly seek second incomes, experts emphasize the need for improved financial planning and tailored advice to enhance savings prospects. ...Less

Many small business owners fund a Roth IRA expecting an immediate tax break. That calculation is flawed. ...More

Many small business owners fund a Roth IRA expecting an immediate tax break. That calculation is flawed. Roth IRAs run on after-tax income. Putting money into one does absolutely nothing to lower your current taxable income. A traditional 401(k) or traditional IRA drops your adjusted gross income immediately. A Roth IRA locks in your current tax rate in exchange for tax-free withdrawals decades later. Business owners projecting higher tax brackets in the future are the primary beneficiaries of the Roth structure. ...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

The 2026 401(k) employee contribution limit is $24,500. For a traditional 401(k), contributions generally ...More

The 2026 401(k) employee contribution limit is $24,500. For a traditional 401(k), contributions generally reduce taxable income now, although they are not a tax credit. Roth 401(k) contributions are made after tax, so they generally do not reduce current taxable income. Workers should also check how much they have already contributed and how many paychecks remain before changing their contribution rate. ...Less

The baseline for tax planning in 2026 relies on shifting retirement contribution limits. The IRS adjusted ...More

The baseline for tax planning in 2026 relies on shifting retirement contribution limits. The IRS adjusted these thresholds, altering the calculus for wage earners trying to suppress their taxable income. A traditional 401(k) or 403(b) now absorbs up to $24,500 in pre-tax earnings. Individual Retirement Accounts cap at $7,500. ...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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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

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

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

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

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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

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

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

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

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

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

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

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

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

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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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

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

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 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

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

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

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 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 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

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

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

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

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

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

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

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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

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

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 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

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