Retirement Articles

PPF taxation
February 2, 2020
Budget 2020: Rs 7.5 lakh a year limit set for tax-free employer’s contribution to NPS, provident fund and superannuation fund

Earlier, this portion of salary did not suffer taxation at any point of time since Exempt-Exempt-Exempt (EEE) regime is followed for these three funds

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Provident Fund
January 29, 2020
Provident fund interest rates for govt employees unchanged at 7.9% for January-March quarter

In comparison, The Employees’ Provident Fund Organisation (EPFO) offered its subscribers an interest of 8.65% in 2018-19 fiscal

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Managing finance
December 27, 2019
How to get a handle on your finances in your 30s and 40s

Most people realise they have managed their finances badly when they are in the mid-30s and 40-s. Here’s what to do to set finances right then

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National Pension System
December 23, 2019
Annuity payable to OCIs, NRIs in NPS will be taxed at source as per applicable DTAA

On October 29 this year, PFRDA had allowed OCIs to enrol in National Pension System at par with Non-Resident Indians (NRIs)

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Provident Fund
December 19, 2019
New PPF rules announced; 6 things you need to know

The Government of India has replaced the Public Provident Fund (PPF) Scheme, 1968 with the Public Provident Fund (PPF) Scheme, 2019. Here are the major changes

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Regular retirement income
December 19, 2019
How to create a regular income for your retirement

Getting a fixed amount every month after you retire will help you lead a peaceful retired life. Here’s how to create regular income after retirement

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Retirement planning risks
November 22, 2019
5 risks you need to account for in your retirement planning

Thanks to better lifestyle and higher life expectancy, you may need to add more money to your retirement kitty.

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Pension funds
November 22, 2019
NPS can invest in overnight funds, and all such short duration funds mandated by SEBI: PFRDA

Overnight funds are mutual fund schemes with money market securities having a maturity of 1 day. In liquid mutual funds, maturity is of up to 91 days

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Derisking
November 15, 2019
How to de-risk investments when you retire

Here’s a primer on how to redirect your investments so that you have the right portfolio during your retired years

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Home loan repayment
November 5, 2019
4 things to remember when you repay home loan with provident fund money

Pay attention to the cost of the home loan after adjusting for income tax benefits; EPF subscribers above 50 years of age should avoid using PF meant for retirement to repay the home loan

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