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Investment Key for your Retirement Kitty

With the dismantling of the joint family system, rapid urbanization, the concept of nuclear families and children opting to stay separately, people have started recognizing of the need to prepare for their retirement kitty while they are still working and earning. Unfortunately, majority of people start thinking about their retirement planning only when they cross […]

NPS is still Tax Inefficient and flawed product!

The National Pension Scheme (NPS) was launched in 2004, as a pure-defined contribution product based pension system, which seems still confused about its design, marketing and taxation even after eleven years since its launch. The scheme has failed to nudge people into long-term savings that might provide a comfortable retirement income due to its cumbersome […]

Demystify your monthly Contribution go into EPF!

The employee provident fund (EPF) is well renowned fund created by the Employees Provident Fund Organization (EPFO) of India, a statutory body of the Indian Government under the Labour and Employment Ministry for social security of all private salaried employees to provide financial support to them above a certain age, such as post retirement age. […]

Is recent hike in EPF limit enough for retirement?

Unlike US countries, India has not basic government pension schemes or old age doles that could provide some social and financial security to retired people in their sunset years. That’s why, Indian government has given some respite to build your some retirement corpus through mandatory retirement schemes such as the Employees’ Provident Fund (EPF) and […]