RETIREMENT MONEY INSURANCE
Is a market-linked pension plan right for you? Vivek Jain explains
Vivek Jain, Head of Investments, Policybazaar.com says that in retirement planning, it's vital to consider both market-linked and guaranteed pension plans, allocating funds based on age and risk tolerance. Including a spouse in joint life coverage and leaving a legacy for nominees are key aspects of securing a stable financial future.
Tips to save money when you have a low income
When income is low, the ability to save is also limited. For savers like Nitin, tax-saving instruments under Section 80C may be the primary way to accumulate savings.
How to deploy Rs 2 crore inheritance to meet child education expenses & retirement goals
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These largecaps have ‘strong buy’ & ‘buy’ recos and upside potential of more than 20%
As the street grapples with what will be the final come out of elections, the street is witnessing two things, unwinding of the long position which were taken after the exit poll showed a comfortable win for ruling BJP and also fresh short position being created. Whatever may be the final outcome, it would be better to stick to the basic principle of investing, that is looking at fundamentals and developments in the sector and only when things are positive on both the front then only go ahead and take a decision. ET screener powered by Refinitiv’s Stock Report Plus lists down quality stocks with high upside potential over the next 12 months, having an average recommendation rating of “buy” or "strong buy". The screener applies different algorithms for all BSE and NSE stocks.
I received Rs 70 lakh after retirement. Where should I invest this amount for good return?
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From savings to wealth: A guide to strategic methods for sustainable wealth creation in India
India is facing a retirement crisis with 80% concerned about savings sufficiency. The India Retirement Index at 44 highlights the gap. Jefferies' findings reveal investment habits, and StockGro addresses financial literacy and investment education needs.
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I received Rs 18 lakh from sale of ancestral property. Where should I invest this money for the next 3-5 years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Sparking FIRE: How StockGro’s #BFF campaign demystifies the fundamentals of financial freedom and early retirement
Financial freedom is about pursuing passions without financial burdens, intersecting with the FIRE movement for early retirement like FIRERachita. StockGro's #BFF campaign drives financial awareness in India, empowering individuals to achieve financial independence through smart investing and a beginner-friendly platform.
80% rule for retirement savings: How much money should you save to retire comfortably?
Planning for retirement is crucial to avoid financial problems later in life. Experts recommend setting a savings goal and following some simple guidelines for a secure retirement. To achieve this, it's important to start saving early, manage debts, and make wise investments. Assessing projected retirement income and accounting for inflation is vital to determine how much savings are required.
Health insurance premium shot up over 25% last year for 52% policyholders, finds survey; here's how the impact can be reduced
Health insurance: Premiums of health insurance policies went up by more than 25% for 52% policyholders in India over the last 12 months. In this article we tell you how this will impact senior citizens and others and how you can take steps to reduce its impact if you are a new health insurance policy buyer.
Low charges, high returns, income tax benefits — 5 reasons to choose NPS for retirement planning
The NPS for the general public completes 15 years this week. Over the years, the NPS has undergone many changes and become more investor friendly. The Pension Fund Regulatory and Development Authority (PFRDA) has made the scheme more flexible and introduced new features. It has also made it easier to open an NPS account. Here are five reasons why you should invest in it.
NPS is a long-term investment with very low costs, low risk profile: Rahul Bhagat, CEO, DSP Pension Fund
Annuity should not be a sore point, because it offers a fixed and assured income for life. It is like a fixed deposit for the rest of your life. An annuity does away with the reinvestment risk and the risk of longevity. At least some part of the retirement portfolio should generate a fixed and assured income, Rahul Bhagat tells Babar Zaidi
It's never too late! Here's how you can plan your retirement even in 40s
Start retirement planning in your 40s with a focus on the asset mix, goal corpus, and expenses. Chirag Muni advises on disciplined steps, insurance coverage, and regular portfolio reviews for a secure post-retirement income.
Retirement planning: Where to invest to create retirement corpus of Rs 6 crore in 20 years
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Retirement planning: Where should I invest to create a retirement corpus of Rs 10 crore in seven years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
China's young people are giving up on saving for retirement
China faces challenges in encouraging young people to save for retirement, with skepticism among youth due to concerns about job scarcity, low wages, and doubts about the future. The country's aging population and underfunded pension system add to the complexity, with projections indicating financial strain and demographic imbalances.
7.1% PPF interest rate or 8.2% returns from Senior Citizen Savings Scheme (SCSS): Where should someone in 20% tax bracket invest?
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Those serious about retirement aren’t attracted to NPS tax benefits: Santosh Agrawal, Policybazaar
"NPS is a good product, but it’s just accumulation and then it invests in annuity. People know of the NPS because of tax benefit, but Rs.50,000 is not a meaningful amount," says Santosh Agrawal, CBO, Life Insurance, Policybazaar.
Where to invest Rs 40 lakh to get regular income
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Retirement planning: Amount you need to save in 10 years to create a Rs 10 crore retirement corpus
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Want to have financial independence and retire early? Anil Rego on how to go about it
Anil Rego, CEO of Right Horizons, explains the concept of FIRE - Financial Independence and Retire Early. He suggests investing in market-linked avenues like mutual funds, stocks, and PMS can help achieve early retirement. Starting early, balancing lifestyle, and regular financial planning are key for success. In some form, this is something that has been there, but yes, today, it has come into prominence.
How to earn Rs 1 lakh every month during retirement; experts answer
Want to your investments to work for you during retirement? Want to save money more efficiently? How to do tax planning this year? Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Retirement planning: Is it possible to save Rs 2 crore in 12 years for my retirement?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
I am an NRI planning to relocate to India. Can my investment corpus generate Rs 1 lakh a month?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Decoding the importance of term insurance at every stage of your life
Term insurance offers financial security and peace of mind at every stage of life. When young and single, it helps build a foundation and secure the financial interests of dependents.
Financial challenges for live-in couples: How to resolve the money issues and secure your finances
Inheritance rights, joint tax benefits and health insurance coverage can be tricky, while long-term financial planning for goals like retirement and buying property can be complicated. Overcoming these requires careful financial planning and legal documentation to ensure stability and security in the long run.
Money Plans: What’s getting Gen Z, millennials all FIREd up
“If you have invested a large sum of money for 10 years, then after the 10th or 11th year, you can ensure that equity, which is a high growth asset, can take care of passive income also. At the same time, it gives you a cushion in case of any emergencies in future. That way also you can see that retirement is seen very differently currently.”
Retirement planning: Five retirement-focused investment products
Selecting the right financial products is important when saving for retirement. For post-retirement income, there are five investment products to choose from.
10 financial planning thumb rules to manage money throughout your life
Here are 10 financial planning thumb rules you can use in your financial planning journey.
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