SEBI-registered flat fee-only advisor Swapnil Kendhe discusses a way to manage your corpus after financial independence and early retirement. This is a sequel to his recently published article, The pitfalls of conventional retirement planning calculations. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’…

Many clients often inquire whether to use their personal or corporate health insurance policy first. Let’s figure out whether you should use your corporate or personal health insurance in case of hospitalization, assuming there are no room rent sub-limits in both policies.  I thank Melvin Joseph Sir (Finvin Financial Planners), who provided valuable input for…

A reader says,  “I have a question about modern-day challenges associated with mid-age immigration.  For Example – An individual at around 37/38 years of age has been working in India for close to 15 years and has a good amount of money already earned with a decent portfolio but is looking for an opportunity in…

A reader says, “I am 32, and my wife is 29. We are employed in the same PSU and can take home loans with a combined loan limit of up to INR 1 Cr at a special staff interest rate. We are also eligible to avail company leased accommodation during the course of employment”. “Is…

We recently asked clients of SEBI registered fee-only advisors on our curated list and fee-only India to fill out a feedback form.  Articles related to this survey:  A fee-only Advisor’s Letter to his clients and Client Survey: The most important factor in choosing a fee-only advisor. One of the questions was: “What were your expectations…

Longevity risk is the risk of outliving our money in retirement. Take the case of an individual who retires at age 55 and expects to live until 85. At age 55, he has a corpus worth 30 times his annual expenses. If his real return (post-tax portfolio return – inflation rate) post-retirement is zero, his…

Owning a home is a cherished dream for many in India. It represents a significant milestone in one’s life, providing a sense of security, stability, and pride. However, the path to homeownership often entails availing of a home loan, which may span several years. While it brings us closer to our dream home, it exposes…

FIRE, an acronym for ‘Financial Independence Retire Early,’ refers to achieving early retirement. In India, the conventional retirement age is typically 60. However, if you aspire to retire significantly earlier than this standard age, around 40 or 45, it is referred to as FIRE. About the author: Ajay Pruthi is a fee-only SEBI registered investment…

A Facebook group Asan Ideas for Wealth member recently posted a question about onsite assignments and action to be taken with current investments in India. We asked SEBI registered flat fee-only investment advisor Chandan Singh Padiyaar to expound on his reply to the question. It is reproduced here with the member’s permission. About the author:…

In this article, SEBI-registered flat fee-only financial advisor Swapnil Kendhe discusses how we can implement a unified portfolio approach for all our long-term goals. About the author: Swapnil is a SEBI Registered Investment Advisor and is one of the sought-after advisors on the freefincal fee-only financial planners’ list. You can learn more about him and his…

I have written many articles on term insurance, health insurance, and retirement planning. A few of my readers have previously asked me – Can you create a sample financial plan for a family with a simple example of financial planning for salaried employees in India? So, here we go! About the author: Ajay Pruthi is…