Currently set to Index
Skip to content

freefincal

Menu
  • Home
  • About
  • MF screener
  • Nifty PE Tool
  • Stock Screener
  • Tactical Buy/Sell
  • Learn how to manage your portfolio
  • Turn your skills to income!
  • Robo Advisory

Category: Retirement

How a retirement planning calculation scared me to take action

February 20, 2021 / M. Pattabiraman / @pattufreefincal

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 →

Should I withdraw from EPF if I resign or retire early?

February 15, 2021 / M. Pattabiraman / @pattufreefincal

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 →

Can I invest in real estate for passive income after retirement?

October 22, 2020 / M. Pattabiraman / @pattufreefincal

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 →

Building the ideal retirement portfolio that goes beyond money

October 21, 2020 / M. Pattabiraman / @pattufreefincal

“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 →

How should I invest to get Rs. one lakh a month pension?

September 3, 2020 / M. Pattabiraman / @pattufreefincal

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 →

Passive income is a crucial part of your retirement plan: How to get started

August 1, 2020 / M. Pattabiraman / @pattufreefincal

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 →

Are you planning for retirement the right way?

July 7, 2020 / M. Pattabiraman / @pattufreefincal

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 →

When should I rebalance my portfolio?

June 10, 2020 / M. Pattabiraman / @pattufreefincal / 5 Comments

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 →

PM Vaya Vandana Yojana (2020) is now open: Key Features

May 26, 2020 / M. Pattabiraman / @pattufreefincal / 9 Comments

These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020.

Continue reading →

Where should senior citizens invest in 2020?

May 26, 2020 / M. Pattabiraman / @pattufreefincal / 7 Comments

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 →

How falling interest rates and lower equity returns can affect a retirement plan

May 23, 2020 / M. Pattabiraman / @pattufreefincal / 4 Comments

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 →

Crash destroyed my 12 year equity MF gains but this is time to invest more!

May 14, 2020 / M. Pattabiraman / @pattufreefincal / 5 Comments

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 →

NPS pandemic relief inferior to EPF’s unconditional withdrawal

April 10, 2020 / M. Pattabiraman / @pattufreefincal / 1 Comment

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 I withdraw from EPF and invest in equity now?

April 8, 2020 / M. Pattabiraman / @pattufreefincal / 4 Comments

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 →

Creating a retirement income plan for 27-year old Amar

January 7, 2020 / M. Pattabiraman / @pattufreefincal / 2 Comments

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.

Continue reading →

Posts navigation

1 2 … 7 Next »
Join 2175 members and learn how to reach your financial goals like a pro with peace of mind!
Losing sleep over a possible market crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free!

Latest Resources

Guide to e-file Income Tax Return: ITR2, ITR3 and ITR5 for AY 2020-2021

My stock portfolio analysis

How Suhas tracks his MF investments and reviews financial goals

Get commission-free professional help!

List of Fee-only Financial Planners in India

Recent Posts

  • Can you manage if the stock market falls by 50% taking years to recover? February 27, 2021
  • Best day for SIP: last Thursday of month (Nifty F&O expiry date)? February 26, 2021
  • Frugal vs Miserly: Why we need to know the difference for managing money February 25, 2021
  • Motilal Oswal Asset Allocation Passive FoFs Review February 24, 2021
  • Will I get more returns from ELSS MFs because of lock-in? February 23, 2021

Search freefincal for articles + tools

Download Robo Advisory Template!

Create a start to finish financial plan with the freefincal robo advisory template

Most Popular Content

What we can learn from Petrol, Diesel historical price inflation data

Do not expect returns from mutual fund SIPs! Do this instead!

Do Not Invest Rs. 50,000 in NPS for additional tax saving benefit in 2019!

Choose a topic and read all posts!

Join our exclusive Facebook Groups

Make money from your skills and build life long income!

Learn how to manage your portfolio regardless of market conditions!

Contact Freefincal

Bhaskarapuram, Mylapore, Chennai, Tamil Nadu 600004

We do not provide investment advice!

Connect with us on social media

  • Twitter @freefincal
  • Facebook
  • Youtube
  • Pinterest

Free Stuff!

Get to know us better and start investing the right way with these free resources!

Get our free e-books!

Watch My Talks

Mutual Fund Reviews

Tactical Asset Allocation (Market Timing)

Submit a Tip

We do not accept paid/free guest post requests. We do not work with professional content writers or marketing agencies. We do not participate in link exchanges or brand campaigns  Such emails will be deleted.

To submit a news tip or a topic that you would like us to write about, use: letters [AT] freefincal.com

Search the site

What our readers say!

⭐ ⭐ ⭐ ⭐ ⭐ Our Google My Business Rating is 4.9 stars! Check our reviews!

Follow us via:

  • Google News
  • Feedburner
  • Feedly
  • Linkedin Company Page
  • Reddit Community

Learn more about us:

  • Our Media Presence
  • Policies and Standards
  • About
  • Author
  • Privacy Policy
  • Site map for users