Are you confused about how to best leverage Systematic Investment Plans (SIPs), the National Pension System (NPS), and the Employee Provident Fund (EPF) for your retirement? You’re not alone. These three popular Indian retirement savings options each have distinct features, and knowing which one, or what combination, is right for you at different life stages…
If you’ve started a Systematic Investment Plan (SIP), you’re already ahead of the curve. SIPs make investing easy and disciplined, especially for long-term goals like retirement, education, or wealth building. But here’s something many investors don’t realize: skipping even a single SIP instalment can derail your progress in big ways. Think of SIPs like building…
The Public Provident Fund (PPF) is widely regarded as one of the safest and most tax-efficient long-term investment options in India. With guaranteed returns and sovereign backing, it’s a preferred choice for individuals looking to build a retirement corpus or save systematically over time. However, one key limitation of the PPF is its 15-year lock-in…
When you invest in mutual funds, you’re constantly looking at their returns. You might see terms like “1-year return,” “5-year return,” or “CAGR.” While these numbers give you a snapshot, they can sometimes be misleading, especially if you’re trying to understand how consistently a fund performs through different market conditions. This is where Rolling Returns…
Retirement marks a significant life transition, shifting focus from earning to enjoying the fruits of your labour. For retirees in India, this golden phase comes with its own set of financial considerations, paramount among them being the need for stable income and wealth preservation. A crucial aspect of this financial planning is understanding and leveraging…
When planning your finances in India, knowing your PF Withdrawal Frequency Limit across accounts is essential. Whether you’re using the Employee Provident Fund (EPF) or the Public Provident Fund (PPF), knowing how frequently you can withdraw helps you manage both short-term needs and long-term goals effectively. This guide offers everything you need to know in…
Tax planning in India has gone beyond last-minute investments to a more strategic, year-round practice that offers both financial benefits and peace of mind. With the Income Tax Department using advanced tools like Form 26AS, AIS (Annual Information Statement), and TIS (Taxpayer Information Summary), smart tax planning is not only about saving money—it’s also about…
India’s tax system is changing, and many investors are wondering what happens to their tax-saving options—especially those under Section 80C. With the New Tax Regime 2025 now the default for FY 2025–26, most traditional 80C deductions are no longer available. But that doesn’t mean all 80C investments are useless. In fact, three key 80C options…
If you’ve ever found yourself asking why the price you see on your screen for an Exchange Traded Fund (ETF) doesn’t quite match its reported value, you’re experiencing a fundamental aspect of how these popular investment vehicles operate. This “dual-price” phenomenon, involving both the NAV (Net Asset Value) and Market Price, is often overlooked by…
Hey, parents! Raising a child is a joy, but it comes with big responsibilities—like planning for their financial future. Whether it’s saving for college, a dream wedding, or helping them chase their passions, starting early can make all the difference. With costs like education and marriages rising faster than inflation, picking the right investment plan…