Retirement Planning
Early retirement can backfire if lifestyle choices, spending habits and expectations are not aligned
We spend a lot of time strategising how we must invest and grow our wealth. Perhaps paying equal attention to how we spend and whether we are able to modify our spending behaviours to align with our new situation is important.
5 ways your retirement math can go wrong and what to do about it
Today, retirement planning needs a revamp. Traditional methods that rely on forecasts often fail. Sequence-of-return risk can deplete savings. Dynamic withdrawals, adjusting spending based on portfolio performance, offer a solution. Experts suggest combining bucketing with adaptive withdrawals. Flexibility and caution are key. Plan for higher expenses and lower returns. Choose a strategy aligning with your needs for a comfortable retirement.
Can 8.25% EPF return match 16% equity return? CA explains unique situations how it can
A chartered accountant illustrates scenarios where EPF's 8.25% return can match 16% equity returns over five years, highlighting EPF tax advantages under the new regime. Employer contributions to EPF are tax-free, unlike equity investments where taxes may reduce the investable amount. To match EPF's corpus, equity needs a 16% post-tax return, a figure that decreases with longer investment horizons, as per the CA.
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
8 money mistakes that can ruin your retirement and how to avoid them
Retirement needs careful financial planning. Even small mistakes can diminish savings. A withdrawal plan is crucial. Avoid locking funds in annuities. Equities should be part of the portfolio. Medical insurance is essential. Estate planning is important for seamless asset transition. Illiquid assets pose risks. Clear debts before retirement for financial stability.
Growth vs IDCW: Frequently asked questions MF Investors need to know
When investing in mutual funds, understanding the difference between 'growth' and 'IDCW' options is crucial. The growth option reinvests profits, leading to compounding and NAV increases, while the IDCW option distributes profits, providing payouts but potentially limiting long-term growth and decreasing NAV. Investors should carefully consider their financial goals when choosing between these options.
Invest Rs 5000, get Rs 3 crores: CA's investment lesson on 'time in the market vs timing the market'
Starting small and early can make a huge difference in wealth creation, according to Chartered Accountant Nitin Kaushik. He explained that investing Rs 5,000 per month from the age of 25 can grow into nearly Rs 3 crore by 60, assuming a 12 percent return. However, delaying the same plan by a decade reduces the corpus to around Rs 95 lakh, costing over Rs 2 crore in potential gains.
Smart investment: How can you get Rs 1 lakh monthly passive income
To generate a steady monthly income of Rs 1 lakh (Rs 12 lakh annually), the required investment corpus depends on the rate of return you expect your corpus would generate. Saving a lot of money per month has its own challenges due to a rise in inflation.
I have a retirement corpus of Rs 65 lakh. How can I invest it for a regular income?
I am retiring at 60 with a corpus of Rs 65 lakh, which includes my retirement benefits and other savings. My monthly household expenses are approximately Rs 35,000. How can I invest this amount to ensure a regular income?
Explained: What is Mutual Fund - Voluntary Retirement Account scheme by AMFI and how is it similar to US 401(k)
India is preparing for a significant increase in its elderly population. Association of Mutual Funds in India (AMFI) introduces Mutual Fund-Voluntary Retirement Account (MF-VRA). This scheme is inspired by the U.S. 401(k) plan. It offers voluntary participation and employer-sponsored options. Mutual funds will manage it with tax incentives and flexibility.
Why life’s wisdom, experiences and not standard rules drive better money planning
In the personal finance landscape, many businesses thrive on oversimplification. To the individual, however, it still remains a personal problem, to be solved in light of his unique situation, irrespective of how well the answers have been packaged and presented by an organised industry.
AMFI proposes Mutual Fund-Voluntary Retirement Account scheme, similar to US 401(k) plan
The Association of Mutual Funds in India (AMFI) has proposed the Mutual Fund- Voluntary Retirement Account (MF-VRA) scheme, which aims to provide a voluntary, employer-linked retirement product managed by mutual funds, similar to the US 401(k) plan.
Trump’s 401(k) changes leave retirees divided — here’s what they are really saying
Trump 401(k) changes: A recent survey reveals that nearly half of retirees oppose Donald Trump's proposal to allow alternative assets like cryptocurrency and private equity in 401(k) plans. Retirees express concerns about the risks, complexity, and higher fees associated with these investments, with a significant majority unlikely to allocate any portion of their retirement savings to them.
Rs 18 lakh cost today, Rs 1.37 crore tomorrow: CA issues warning against hidden enemy of personal finance
Chartered Accountant Nitin Kaushik has cautioned families about the long-term impact of inflation on household finances. Using the example of a business family in Surat, he showed how current annual expenses of Rs 18 lakh could rise to Rs 1.37 crore in 30 years if inflation averages 6 percent. The analysis highlights that inflation alone, without lifestyle changes, can multiply expenses more than sevenfold.
Enough is enough! Laid off thrice in 2 years, techie quits IT profession to embrace a new traditional, timeless career
After facing three layoffs in two years, Sarah Henschel left the unstable tech sector to pursue a master’s in education at 35. With 12 years in tech sales, earning up to $110,000 annually, she sought a more secure and meaningful career. Teaching, which she’s always enjoyed, offers stability, pensions, and health benefits. Though it means a temporary pay cut, she expects long-term growth. Henschel views the shift as prioritizing passion, purpose, and financial security over perks.
Rs 1 cr, Rs 5 cr or Rs 10 cr, how much money do you need for retirement? This financial expert tells you the right amount
Financial expert Neeraj Chauhan suggests a simple formula to calculate your retirement corpus: annual expenses multiplied by 25, based on the 4% withdrawal rule. This approach helps individuals determine the 'right amount' needed for financial independence, rather than chasing an arbitrarily large sum. The strategy aims to help a person sustain their retirement corpus for their lifetime
SimplInvest by Aditya Birla Capital Digital diversifies SIPs
In a market navigating volatility, SimplInvest on the ABCD App offers a smart, multi-asset path for new and seasoned investors alike.
The 2025 retirement magic number is out, and 97% of Americans aren’t even close
Americans estimate needing $1.26 million for a comfortable retirement in 2025, a decrease from last year's goal. However, a significant savings gap persists, with only a small percentage of the population reaching millionaire status. Consistent saving habits, alternative investments, and personalized financial planning are crucial for achieving retirement security, regardless of the million-dollar benchmark.
More powerful than SIPs & insurance bonus! Gurmeet Chadha reveals new wealth tool
Market expert Gurmeet Chadha predicts systematic withdrawal plans (SWPs) will become a major trend in India's mutual fund industry, surpassing SIPs in financial planning power. He highlights SWPs' flexibility, tax efficiency, and suitability for retirement and cash flow management. Chadha anticipates the SWP market could exceed Rs 20,000 crore monthly within 3-5 years.
Is Rs 4 crore enough for retirement corpus? Gurmeet Chadha gives simple calculation metric
Market expert Gurmeet Chadha simplifies retirement planning with a formula linking financial independence to expenses. He suggests a corpus where 6% annual returns cover monthly costs. For Rs 2 lakh monthly spending, Rs 4 crore suffices. He stresses realistic expense estimation and highlights balancing wealth creation with life enjoyment.
Policy push, investor rush put senior care on fast track
The senior care sector in India is poised for substantial expansion. It is projected to hit 50 billion USD by 2030. The Association of Senior Living India urges states to adopt supportive policies. These policies include stamp duty and GST benefits for developers. The industry anticipates significant growth and investment.
Saving money might feel impossible, until you try Radhika Gupta’s one rule everyone can follow
Edelweiss Mutual Fund CEO Radhika Gupta, in her book Mango Millionaire, outlines a practical way for ordinary Indians to save and invest without losing sight of life’s small pleasures. Her 10-30-50 rule recommends saving 10% of income in your twenties, 30% in your thirties and forties, and 50% after that. Inspired by cricket training and the tax system, Gupta also introduces the idea of “Savings Deducted at Source”. She stresses that wealth comes less from numbers and more from forming the habit of saving early.
'Your money leaks or compounds': CA's reality check for Gurgaon techie couple earning Rs 15 LPA
A Gurgaon family, despite a Rs 1.2 lakh monthly income, struggled financially until they implemented a structured plan. By allocating funds to emergency savings, child's future, retirement, wealth creation, and gold bonds, they transformed their finances. This disciplined approach demonstrated that financial success hinges on planning, not just income.
How can my father invest Rs 35 lakh from his retirement corpus to get regular income with minimal risk?
My father has received Rs 50 lakh as retirement corpus. Of this, Rs 15 lakh has already been invested in a Post Office savings scheme, yielding Rs 30,000 quarterly. How can we invest the remaining Rs 35 lakh safely for steady returns?
Future-proofing your sunset years: A guide to phased retirement
Viren Gupta, a lawyer, is contemplating retirement. He is assessing his financial readiness and future responsibilities. Rising life expectancy will influence his decision, since he will have to weigh work fulfillment against a work-free life. Family needs and lifestyle preferences are crucial to consider. Gupta should also plan for unexpected events to ensure a secure future.
Considered ‘too Indian in US, too American in Hyderabad’: NRI shatters myth of ‘perfect’ life abroad in viral post
The allure of overseas life for Indian middle-class families often obscures the emotional and practical challenges faced by NRIs. While enjoying financial stability and advanced infrastructure, they grapple with the distance from aging parents, cultural identity crises, and the constant balancing act between two worlds.
Can ChatGPT help you get out of debt? What experts and users say about AI chatbots' financial advice
AI chatbot for financial advice: Artificial intelligence tools are becoming popular for managing personal finances. People are using AI for budgeting and retirement planning. One realtor, Jennifer Allen, used ChatGPT to tackle her debt. She used TikTok to earn money and reduce her debt. Experts warn that AI cannot replace financial planners.
Gen Z savvy investors but 55% living paycheck to paycheck: Can they achieve financial security with these money habits?
Gen Z thinks differently, and that reflects in their spending priorities and investment habits. Some quirks aside, they have a good shot at achieving financial security.
Planning to live remote, amidst nature after retirement? Know all about the real cost of living that off-grid life
If the idea is to shift to something simpler and aligned to nature, one must be bold and courageous to give up the conveniences of urban living. Before investing your retirement corpus in a preposition that can turn bad sooner than expected, allow others’ mistakes to offer some lessons for your benefit.
Will Rs 10,000 SIP for 25 years be enough for your retirement? Here’s how to check
Financial planning requires realistic estimations, especially for long-term goals like retirement. Compounding returns grow significantly over time, but inflation erodes the purchasing power of future savings. Calculating inflation-adjusted returns reveals the real value of investments. To beat inflation, consider a diversified portfolio with equities, and increase investment amounts with rising income. This strategy helps achieve desired retirement corpus.
How to spend your retirement money without guilt and break free from scarcity mindset
Break free from the scarcity mindset of hoarding and counting your money without using it. Be free of the self-imposed rule of passing on all that you have. Move away from the expectation that someone owes you your income, your earnings and your returns. Claim your space in the modern financial world—where you can invest by choice, manage cash on your terms, and spend or give as your heart desires.
What really happens to your social security check after your spouse dies — here's the shocking truth
Social Security survivor benefits are one of the most misunderstood parts of retirement planning, yet they can decide how financially stable a spouse will be after loss. When a spouse dies, you don’t keep both checks — the survivor keeps the higher benefit, which can cut household income by 30–50% overnight.
Want student loan forgiveness? Register as ICE agent, says US government. Are you eligible for the relief?
The US Immigration and Customs Enforcement is incentivizing recruitment. New agents can receive student loan repayment assistance. Bonuses up to $50,000 are available. The agency removed the age cap for applicants. This move aims to expand the ICE team. It has sparked debates about fairness in student debt relief. Applications have surged following the announcement.
Trump's 401(k) order offers retirement savers crypto, private assets, but also higher fees and more risk
A new White House order aims to broaden 401(k) investment options to include alternative assets like crypto and private equity. Investment professionals express concerns about the potential risks, higher fees, and lack of transparency associated with these investments. Experts emphasize the need for careful consideration and increased investor education to navigate the complexities of incorporating alternative assets into retirement plans.
Early retirement: Here’s how 3 people achieved financial freedom, quit rat race to pursue their dream jobs in second innings
Quit the grind, not your goals. Lessons in financial freedom from those who are living life on their own terms.
Trump opens the door for private equity and crypto as 401(k) retirement plan options
A Trump executive order could allow 401(k) plans to invest in higher-risk assets like private equity and cryptocurrencies, potentially opening trillions in retirement funds to these markets. Federal agencies must first rewrite regulations, a process that could take months.
Is your money safe? Trump’s 401(k) executive order could put your retirement savings on the line - check how
Trump 401(k) executive order is making headlines as it could soon allow Americans to invest in crypto, private equity, and real estate through their retirement plans. Signed on August 7, 2025, President Trump's order directs changes to open 401(k) access to alternative investments once only available to the wealthy. While this move could boost financial freedom and investment options, experts warn it also comes with risk. From Bitcoin to private funds, this bold retirement reform may reshape the future of savings.
Bitcoin surges as Trump backs crypto in 401(k) plans
U.S. President Donald Trump is set to sign an executive order allowing cryptocurrencies, private equity, and real estate into 401(k) retirement plans. The move could transform the $12 trillion retirement market, giving Americans access to high growth assets. While markets rallied, experts warn the shift comes with risks and will require strong oversight and investor education.
Sonam Srivastava's Independence Day guide to building a self-reliant portfolio
Sonam Srivastava outlines aligning investments with India's self-reliance vision for financial independence. The focus is on sectors like defence, renewables, and digital infrastructure, crucial for economic strength. Investors can balance domestic support with global opportunities, manage risks, and celebrate Independence Day by strategically allocating to sectors driving India's growth.
The next Fartcoin? New coin TOKEN6900 surges in presale
FARTCOIN's success in early 2025 has investors seeking the next big meme coin. TOKEN6900 ($T6900) is gaining traction, raising over $2 million in its presale by satirizing crypto's obsession with utility. It offers early investors passive rewards, capitalizing on FOMO and meme culture, potentially challenging FARTCOIN's dominance.
Trump’s new order could radically change your 401(k) — here’s what retirement savers must know
Trump executive order 401(k) changes are shaking up retirement savings in America. President Donald Trump has signed a bold new executive order that could allow 401(k) plans to invest in private equity, real estate, and cryptocurrencies. This could open the door for higher returns, but also comes with new risks. With over $9 trillion held in these plans, the move could reshape how Americans prepare for retirement. Supporters call it financial freedom, while critics worry about fees and complexity.
$5,108 social security payment on August 13: How can you get the check and what can be done if money is delayed?
Thousands of retirees across the United States are set to receive Social Security payments of up to $5,108 on Wednesday, August 13, 2025, according to the Social Security Administration (SSA). This payment marks a significant financial boost, especially for those who meet the strict criteria required to receive the maximum monthly benefit.
I want to build a corpus of Rs 1 crore in 10-12 years. Where should I invest?
I am 35 and want to build a Rs 1 crore corpus over 10-12 years. Could you recommend some top-performing, aggressive and moderate-risk mutual funds that have the potential to deliver 12-15% compounded annual returns?
Shocking retirement math: Indians need Rs 3.5 crore to retire comfortably
Indians will need to save around ₹3.5 crore (USD 401,000) for a secure retirement, according to HSBC’s "Affluent Investors Snapshot 2025." The report highlights growing awareness of inflation, rising living costs, and longer life expectancy. While short-term goals remain popular, more investors now prioritize long-term security, with increasing allocations to gold and alternatives over cash. Early planning boosts confidence.
Taylor Swift and Travis Kelce go house hunting — Are wedding bells next? Here’s what insiders revealed
Taylor Swift and Travis Kelce visited at least two high-end properties in Northeast Ohio’s upscale suburbs in June 2025. These neighborhoods are known for old wealth and privacy.
Why did Wallabies scrumhalf Nic White put his retirement on hold?
Veteran scrumhalf Nic White reverses his international retirement to join the Wallabies for their Rugby Championship tour in South Africa, following Jake Gordon's injury. Rugby Australia praised White’s decision to step in and support the squad, just a week after announcing his retirement. Flyhalf Tom Lynagh, who is sidelined due to a head injury, ha also been replaced by Tane Edmed.
Learn this money trick from the rich: Understand the power of compounding and discounting to grow your money
Compounding and discounting are crucial financial concepts based on the time value of money. Compounding demonstrates the growth potential of investments over time, while discounting helps assess the present value of future cash flows. These concepts aid in budgeting, risk assessment, and long-term financial planning, emphasising the importance of early and consistent investing to build substantial wealth.
3.5 crore needed for comfortable and secure retirement in India: HSBC Affluent Investor Survey 2025
Across the world, affluent investors are seen to be focusing on diversification, factoring in a range of asset classes and investment instruments to meet well-defined financial goals. A recent study by HSBC explores how they actively manage their wealth.
Early retirement: How financial planning helped this seasoned market veteran retire early at 55
Fund managers live and breathe markets, yet Ajit Menon, CEO of India’s 25th largest mutual fund house PGIM, swears by his financial adviser. At 55, Menon is walking away from a successful career managing Rs.26,693 crore in assets—not because he has to, but because he planned to. Here’s why even seasoned market veterans need someone to dispassionately do their wealth planning. By Kayezad E. Adajania.
Learn this money trick from the rich: Understand the power of compounding and discounting to grow your money
Compounding and discounting are crucial financial concepts based on the time value of money. Compounding demonstrates the growth potential of investments over time, while discounting helps assess the present value of future cash flows. These concepts aid in budgeting, risk assessment, and financial planning, highlighting the importance of early and consistent investing to combat inflation and achieve long-term financial goals.
WEEKLY HOROSCOPE TAURUS ♉ (4th August – 10th August 2025): Re-Evaluations Deepen Bonds and Sharpen your Practical Focus
♉ Taurus Weekly Horoscope (4th August – 10th August 2025): This Taurus Weekly Horoscope brings a mix of emotional insight and mental recalibration. Mercury is retrograde in the Cancer sign. Your communication needs extra care. Mars in the Virgo sign supports productivity and health. The Moon’s transits through Scorpio, Sagittarius, Capricorn, and Aquarius signs. It provides a steady evolution from relationship clarity to long-term vision.
The Golden Thumb Rule: Medical inflation is a silent threat—PGIM India’s Ajit Menon urges investors to plan proactively
Medical inflation poses a significant threat to retirement security, often underestimated in financial planning. Ajit Menon emphasizes the importance of early planning, adequate health cover, and disciplined investing to achieve financial freedom. He also suggests prioritizing health and purpose in retirement, advocating for a shift in mindset towards viewing it as 'financial freedom' rather than a cessation of work.
'Will take up consultation and arbitration after retirement, won’t accept any government post': CJI Gavai
Chief Justice of India, B R Gavai, affirmed his plans to engage in consultation and arbitration post-retirement, ruling out acceptance of any government position. Speaking at the inauguration of the Late T R Gilda Memorial E-Library in Amravati, CJI Gavai, who is set to retire on November 23, reiterated his commitment to these professional pursuits.
Enhanced transparency and investor protection regulations boosts investor confidence in mutual funds as retirement vehicle: ICRA Analytics
Investor confidence, fueled by enhanced transparency and regulations, has significantly boosted retirement mutual funds, with AUM surging by 226.25% to Rs 31,973 crore in June 2025. This growth is driven by rising awareness of financial planning, longer life expectancies, and increasing healthcare costs, encouraging individuals to consider retirement-focused investment options.
Save tax in new tax regime: Here are 6 smart ways
Use the right levers—EPF, NPS, arbitrage, gifting— to remain compliant and tax-efficient.
Chris Paul returns to Los Angeles Clippers for 21st NBA season and one last ride
Chris Paul, a 12-time All-Star, is set to return to the Los Angeles Clippers for his 21st and expected final NBA season on a one-year deal. After playing all 82 games for the Spurs last season, the 40-year-old guard rejoins the Clippers, where he previously starred during the 'Lob City' era.
Rs 1 crore is not enough: Financial expert explains why your retirement corpus may feel like just Rs 20 lakh in 20 years
Financial experts are raising concerns that the widely assumed ₹1 crore retirement goal may not be sufficient by 2045 due to inflation and rising healthcare costs. Many Indians underestimate these factors, leading to inadequate retirement savings. Experts recommend early planning, diversified investments, and considering alternate income sources to secure a financially stable retirement.
Blackstone preps for IPO surge, says pipeline stronger than 2021 peak
Blackstone anticipates surpassing its 2021 IPO record. Market optimism grows amid rising equities. Trade deals and recent listings boost confidence. CEO Steven Schwarzman urges patience with tariff diplomacy. Blackstone's Q2 profit exceeds expectations, driven by credit business gains. Assets under management reach $1.2 trillion. The company sees positive dynamics from AI infrastructure needs. Real estate shows promising signs.
Tax-free, risk-free, and effort-free. But CA says many employees make mistakes that cost lakhs in lost savings
Chartered Accountant Nitin Kaushik highlights the benefits of Employee Provident Funds. EPF is a government-backed savings tool. It offers guaranteed returns and tax exemptions. Both employee and employer contribute to it. This leads to significant wealth accumulation over time. EPF outperforms many investment options due to its stability. Avoiding common mistakes maximizes its potential.
'One medical emergency can wipe you out': Why is this CA saying Rs 1 lakh salary isn’t enough for India’s middle class
Middle-class Indians earning Rs 1 lakh face financial strain. Inflation erodes income despite budgeting. Savings rates are declining, while liabilities increase. Rural areas show wage growth and optimism. IT firms see slower labour cost growth. CPI inflation eased, but food prices remain a concern. Economic growth reached 6.5 percent. RBI policy and monsoon rains may support demand recovery.
RETIRE-MEANT® – Retire with a Purpose, Not only with Money
Retire-Meant®- Adding meaning to your Retired Life
UFC 318: What lies ahead for losing warriors - Predicting the Main Card losers’ next fight
UFC 318 witnessed Dustin Poirier's emotional retirement after a loss to Max Holloway in their BMF title fight. Roman Kopylov, Kevin Holland, Dan Ige, and Daniel Zellhuber also suffered defeats, prompting considerations for their next opponents. Potential matchups include Kopylov vs. Marvin Vettori, Holland vs. the Salikhov/Leal winner, Ige vs. Giga Chikadze, and Zellhuber vs.
I earn Rs 1 lakh per month, how can I build a retirement corpus of Rs 4 crore in 12 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.
How The Financialist is redefining financial advice in India
Mumbai-based The Financialist aims to revolutionise financial planning in India by offering personalised, fee-based services that prioritise genuine advice over product sales.
Freedom at 45! How 21-year-old Gen Z can retire early
Gen Z can achieve financial freedom by 45 with wise investments. It's about choice, not extreme wealth. Start early with systematic investment plans. Diversify across large-cap, mid-cap, and gold. As retirement nears, shift to safer options like bonds. Regularly review and rebalance your portfolio. Discipline and consistency are key to success. Financial freedom is attainable with a clear plan.
How HNI NRIs should calculate their term insurance coverage
For high-net-worth NRIs, term insurance is crucial for securing their family's financial future, considering factors like inflation and global living costs. Indian insurers offer cost-effective policies with benefits like GST waivers, premium refunds, and worldwide coverage. Buying term insurance in India provides financial advantages, flexibility, and tax-free payouts, making it a strategic choice for NRIs.
'Savings nahi, lekin retire early': Marcellus' Saurabh Mukherjea flags major crisis the rich are creating for themselves
Saurabh Mukherjea highlights a growing financial strain among affluent Indians, revealing that many struggle with savings and lack emergency funds despite high incomes. A significant portion aren't saving adequately, with a surprising number having no emergency fallback. This is coupled with ambitious goals like buying homes, starting businesses, and early retirement, creating a mismatch between aspirations and financial preparedness.
Rs 30 lakh savings but dad demands Rs 50 lakh: Techie caught between his financial planning and father's business dreams
A 27-year-old software engineer with Rs 30 lakh in savings and a young family is facing emotional and financial pressure from his retired father, who now wants to start a business despite having no experience or savings. The father is demanding a Rs 50 lakh investment and has asked his son to either take a loan or become a guarantor. While the son already sends Rs 30,000 monthly to support his parents, he fears risking his financial future.
Top 7 financial pitfalls to avoid in retirement
Ignoring inflation means you will save much less than what you will need years down the line. You have to invest in such a way that you beat inflation, that is, earn returns that are at least a couple of percentage points above the inflation rate.
XRP jumps nearly 7% today as U.S. crypto bills pass and corporates add $421M—will Trump-era momentum drive it to $10 next? Here’s the new prediction
XRP price today soared to $3.48, rising nearly 7%, after the U.S. House passed major crypto bills and corporations like VivoPower and Webus announced $421 million in XRP holdings. Whale wallets added a massive $7.1 billion, boosting confidence among retail and institutional investors. With support from Trump-era crypto momentum and bullish technicals, analysts now predict XRP could hit $5 soon—and possibly reach $10 if this trend continues. The rally follows XRP breaking its 2018 all-time high, signaling strong demand and growing use cases. Investors are watching closely as XRP enters a new phase of explosive price discovery in 2025.
NRI couple, with a net worth of Rs 42 crore, asks how much money is needed to 'retire' in India. Netizens react
A tech-savvy couple, financially secure after 15 years in the U.S., are contemplating a return to India for a more balanced life. They prioritize family and time over career advancement, aiming for intentional living. With a $5.
'Gen Z taking debt to attend concerts to look cool on Instagram': CA shares a 'big retirement problem' reaching India
Wealth advisor Kanan Bahl warns that India's middle class faces a looming retirement crisis, potentially running out of income by age 45 due to increased spending and uncertain times. He advises aggressive saving and wise investing, highlighting the importance of products like EPF and NPS for disciplined financial planning.
CTC is Rs 40 LPA but cannot even afford a vacation: CA decodes a 32-year-old techie's financial reality
Many high-earning Indians face financial struggles. A 32-year-old IT professional earning Rs 40 lakh annually is broke. Home loans and lifestyle expenses consume his income. Chartered Accountant Nitin Kaushik highlights this issue. He advises controlling spending and building emergency funds. Investing in real assets is crucial. Avoiding lifestyle debt is also important. Cash flow management is key to financial freedom.
He retired at 45 with Rs 4.7 crore, without a business or side hustle; just had a boring job that paid 'decently'. Reddit post goes viral
A man retired at the age of 45 with a savings corpus of Rs 4.7 crore, despite never owning a business, having a side hustle, or investing in stocks. His success came from consistent investments in mutual funds through SIPs, starting in 1998. By steadily increasing his contributions with every salary hike and maintaining a modest lifestyle, he quietly built significant wealth over time. His story, shared on Reddit by his nephew, highlights the power of disciplined saving and long-term planning over flashy financial strategies.
'Silent crisis brewing': This wealth advisor has a big warning for the great Indian middle class
A wealth advisor warns that India's middle class faces a looming retirement crisis as rising expenses and lack of structured planning leave many unprepared. With over 80% at risk of outliving their savings, disciplined investment, like the '15% Rule,' is crucial. Without it, a comfortable retirement may be unattainable due to inflation and healthcare costs.
Whenever I retire, will dedicate rest of my life to Vedas, Upanishads, and natural farming: Amit Shah
Union Home Minister Amit Shah shared his post-retirement plans, expressing his intention to dedicate his life to Vedas, Upanishads, and natural farming. He emphasized the importance of the cooperative sector, highlighting its role in helping farmers market their products, citing the example of camel milk sales.
Insurance less competitive now versus other financial products, says Alok Rungta, Future Generali India Life Insurance CEO
Among other reasons, this is due to the rolling back of tax benefits and inflation-induced lower disposable incomes, says Alok Rungta, MD & CEO, Future Generali India Life Insurance, in an interview with Riju Mehta.
I am 52. How can I build a retirement corpus of Rs 5 crore in 10 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.
401(k) panic in America: Investors flee to safety amid tariff chaos — biggest shift in 5 years
401(k) investors made big moves in the second quarter as market volatility pushed them to safer ground. According to Alight Solutions’ 401(k) Index, trading hit a five-year high, with most shifting money from stocks to fixed income. Investors pulled out of target-date funds and equity holdings, favoring bond funds, stable value funds, and money markets. Out of 61 trading days, equities were swapped for fixed income on 40 days. While some aimed to rebalance, many were simply seeking stability. This shift highlights growing caution among retirement investors amid uncertainty. Here’s a deeper look into what drove this trend.
Affluent Indians shift gears as interest rises in alternatives, gold, global investing: HSBC report
HSBC’s 2025 Affluent Investor Snapshot shows wealthy Indian investors are increasingly adopting diversified strategies, favoring alternative assets, multi-asset funds, and global exposure over traditional cash-heavy portfolios, with a significant uptick in gold allocations and reduced cash holdings.
How investing in mutual funds can help you in your retirement planning
Retirement Mutual Fund Scheme could be a great option for helping you safeguard your future after your retirement
Want Rs 1 lakh per month after retirement? Here’s the corpus you’ll need & how to get there
The PGIM India Retirement Readiness Survey 2023 offers insights on building a retirement corpus. It highlights the importance of goal-based investing, especially for retirement, as loans aren't an option. The article explains how to calculate the corpus needed to replace your income. It emphasizes starting early to leverage compounding. Omkar, Ravi, and Rohan's examples show the benefit of early investment.
Retirement planning in 40s: Here’s how to save for old age even if you start late
As a single parent, it’s crucial for Aditi Kaul, a 44-year-old chartered accountant, to prioritise retirement savings over other financial goals, including her daughter’s education fund.
Retirement planning: Don't want to compromise on lifestyle in golden years? Start saving early and invest in equity
Retirement planning is crucial, regardless of your age or income. Many young earners delay saving due to expenses, family support expectations, or prioritizing immediate gratification. However, delaying this can significantly impact your long-term financial security. Experts emphasize the power of compounding and urge prioritizing retirement savings, even with small amounts. Read on to know how you can start saving for your retirement in your 20s, and ways to build a healthy corpus.
The $100-a-week super habit that could save Aussie business owners from a $500,000 retirement shock
A significant portion of Australia's self-employed individuals, nearly 45%, are not consistently contributing to their superannuation, raising concerns about a potential retirement crisis. This shortfall, particularly prevalent among solopreneurs, younger firms, and those in creative fields, could lead to substantial financial insecurity in later life. Experts recommend strategies like automated contributions and leveraging government incentives to address this growing issue.
