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We have come across a number of cases where accumulated Provident (PF) Balance is not in good shape. While there could be many reasons but mostly the problem comes while transferring the PF. It often takes inordinate amount of time and in many cases the transfer just does not happen. The Employee Provident Fund Organization […]
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We need to understand that we have limited resources and surpluses available month after month but our goals are multiple. We try to achieve our major financial goals of education, marriage, home, car etc. in the life with them. Whenever we find there is not enough surpluses and is not possible to fund other major […]
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There are any number of websites, articles and experts extolling the virtues of realigning your asset allocation to ‘safer’ avenues as one inches towards his retirement. Some go to the extent of advocating a 100% debt portfolio the day one retires. Many arguments are advanced in favour of this shift – emotional ones (need to […]
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Year 2000:- Our neighbour Sen Uncle retired after a continuous service of thirty five years in a public sector company. He starts to get a regular pension income for life, which is equivalent to fifty per cent of his last income, subject to revision based on inflation. His net worth consists mainly of his employee […]
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Retirement. Does this word evoke images of sun and sand, books and movies, travel and sightseeing? Most of us, these days, want to retire early and enjoy life to the fullest. If this is one of your dreams as well, it’s time you asked yourself this question – ‘Am I financially ready to retire early?’ […]
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