Most investors calculate the investment amount required for their retirement and in for a rude shock. Sleepless nights are quite common! Very few investors manage their finances right after such a shock and start investing with focus and conviction. In this episode of ‘reader audit’, we meet Mr Tinker (name withheld on request), who got…
Continue reading →How should funds in EPF be handled If we wish to quit our job and become self-employed or resign a few years before normal retirement or wish to retire earlier? Should we leave the EPF funds as is or should we withdraw? If we withdraw what are the alternative investment options? About the author: Sriram…
Continue reading →Rental income is immediately appreciated by one and all as a form of passive income – perhaps the oldest. Real estate has an undeniable charm associated with it and it is quite natural to ask if it can be used as a source of passive income particularly after retirement. We had discussed how passive income…
Continue reading →“How much money do I need to retire comfortably?” is the central question of retirement planning. Comfortably refers to (1) generating an income that will keep pace with inflation; (2) having some buffer in the corpus to handled unexpected expenses (recurring or one-time). However, there is more to retirement planning than just money and that…
Continue reading →This is a question posed by 35-year-old Prakash: “I would like to get Rs. one lakh a month pension when I retire. How should I invest to achieve this?” A pension after retirement is a necessary component of a post-retirement investment portfolio. However, it is not sufficient. A discussion.
Continue reading →Here is why one or more sources of passive income is an important part of our retirement plan. Not only can it boost our income and reduce capital market risk in retirement, but it can also keep us engaged and agile. Here is how we plan for it. With August 1st called “World Wide Web…
Continue reading →Retirement planning is the hardest exercise in financial planning or in other words making sure we are heading towards an adequate retirement corpus that will outlive us. There are many unknowns and uncertainties while planning for retirement. A good plan is essential to counter these. Also essential is a yearly review and recalculation of the…
Continue reading →We discuss the basics of portfolio rebalancing: why do it, how to do it and when to do it, to address some of the common questions that investors have.
Continue reading →These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020.
Continue reading →Falling interest rates and “risky” mutual funds have spooked senior citizens and their self-appointed advisors – their children. As always, wrong questions like “should I invest in “7.75% RBI bonds?”, “Should I buy PM Vaya Vandana Yojana?” are doing the rounds. A look at how senior citizens should invest in 2020.
Continue reading →With the repo rate at its lowest, fixed-income investment rates which were already heading south over the last few years are likely to stay there and move down further in future. Equity returns have been consistently heading lower and lower too. This can destroy all financial plans especially retirement which does not come with a…
Continue reading →Last week I had reported that the annualized return (XIRR) of all my equity MF transactions tagged to retirement planning goal (or financial freedom) dropped from 11.6% in Dec 2019 to 2.75% after the crash. Some readers were either disheartened about this or twisted the result to point out equity investing is risky. In this…
Continue reading →The NPS has responded to the lockdown by merely updating its list of critical illnesses eligible for partial withdrawal highlighting the superiority of EPF
Continue reading →Should you take advantage of EPF advance announced in view of the lockdown and shift it to equity? A look at who should consider this.
Continue reading →Amar is 27 and salaried and hopes to retire by 58. Here is how he can plan for financial freedom in retirement. We shall consider how Amar can derive an inflation-protected income and be financially free after retirement.
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