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Entries for category "retirement-planning"

What is the best way to invest your Provident Fund after Retirement?

What is the best way to invest your Provident Fund after retirement?

Provident Fund is one of the safest and most tax efficient investment option while you are working. However, once you retire, you get a large amount of money from your Provident Fund and other retirement benefits like Gratuity, Superannuation Voluntary Retirement Fund etc.

Often it becomes a very difficult choice for a retired person to figure out where to invest such a large amount. This article is our attempt to help you understand what are the best possible avenues to invest your provident fund and other retirement proceeds.

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Why taking risk in long term investment makes sense?

Nothing Risked, Nothing Gained

Most of us want to keep our money safe while choosing to invest in our long-term goals like child education and our own retirement. This is done primarily because everyone has told us that investments in equity markets are risky, and we really don’t want to take the risk with our important goals like education and retirement. While it looks like a prudent choice, but unknowingly we are making the wrong choice of investment products, like FDs, NSCs, PPF etc. Let us see three main reasons why in long-term goals, it makes perfect sense to take the risk. 

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Ways to earn tax-efficient income from your retirement corpus

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While we save throughout our life for our peaceful retirement, but when it comes to investing our retirement corpus, we choose many tax-inefficient products. This is mainly, due to lack of awareness about products to invest in, during our retired life. In this article we have proposed a mix of three type of investment products which will result in tax-efficient returns and will provide you better risk-adjusted returns in the long term. You may find it useful either for your own retirement corpus or for the investments of your retired parents.

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Retirement Planning - Delay is costly!

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Gone are the days when your son was your retirement plan. In today's world one needs to have sufficient funds to live off his retirement years without being dependent in anyone.

In this context saving regularly while you are working is very very important. However, it is equally important to start saving at an early age. Just 5 year delay in savings is likely to increase your monthly saving requirement by a whopping 90%!

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