#financial-planning
Still relying only on salary ? Here how Indians are building passive income in 2026
LIC introduces New Jeevan Sathi joint life plans: Check features, guaranteed additions and benefits
LIC new plans 2026: Life Insurance Corporation of India has launched two new joint life insurance savings plans, LIC’s New Jeevan Sathi Single Premium and LIC’s New Jeevan Sathi Limited Premium. These non-par, non-market linked plans offer couples financial p…
Should retirees in India use credit cards? Key benefits and risks explained
Credit cards for retirees offer secure cashless payments, rewards, emergency liquidity and credit score benefits, but disciplined usage is essential to avoid debt, fraud risks and financial strain. Proper professional guidance must be taken before deciding on…
This HR professional retires at 45 with Rs 1 crore, stops chasing luxury and says he’s happier than ever in Dehradun
Amit Chilka retired from corporate life at 45 with a Rs 1 crore corpus, challenging the notion that massive wealth is required for early retirement. He rebuilt his life in Dehradun, focusing on consulting and coaching, significantly reducing expenses by livin…
PPF extension vs phased withdrawals: What should investors choose after account maturity?
After a PPF account matures, investors can withdraw the corpus, extend it for five years, or make phased withdrawals. Choices depend on financial goals and liquidity needs. Details here.
Gold prices rising, so also risks of thefts. CA-banker says a Rs 1,000-Rs 5,000 yearly expense could save you lakhs. What is gold insurance?
With gold prices soaring, a CA-banker urges Indians to insure their precious jewellery. He highlights three options: home insurance add-ons, standalone all-risk policies, and jeweller-offered coverage. Annual premiums can be as low as ₹1,000-₹5,000 for signi…
What happens to a PPF account after the account holder’s death? Nominee rules, withdrawal process explained
After the account holder's death, PPF account closes, and the nominee or legal heir can claim the balance. The account continues to earn interest until the claim is settled, but no new contributions can be made posthumously.
Buying vs renting a home: ₹1 crore home or ₹5 crore wealth - how the strategy of renting and investing may beat buying a house in India
Buying a home in Indian metros is an emotional decision, but financial realities are shifting. Renting and investing the difference between rent and EMI can build substantial wealth over two decades. Equities offer higher long-term returns than property appre…
Earning 3% on idle cash? Sweep-in FDs may offer a smarter fix
Savings accounts offer safety but little return. Sweep-in facilities promise FD-level interest without sacrificing liquidity. Here’s how they work, what they cost and when they make sense.
A digital living will: What it means for your family's financial decision
Maharashtra’s digital living will framework may seem like a small administrative step. But for families that use it, it does something estate planning often cannot
How the falling rupee still affects households with no direct dollar expenses
Economists and financial planners urge the public to rebudget for essentials, build larger emergency funds, and consider global investment diversification as a hedge against accelerating imported inflation.
Planning a baby? CA gives 'realistic cost check' on how it could exceed Rs 1 crore
Raising a child in India now demands significant financial planning, with initial costs potentially reaching Rs 4 lakh in metro cities. Monthly expenses are estimated at Rs 18,000, and future goals like higher education could necessitate a corpus of Rs 1.1 c…
Noida techie earning Rs 12 LPA asks ChatGPT when he can get married? AI replies 'Year 1 tight, Year 2 tight, Year 3 comfortable'
A Noida-based techie earning Rs 12 LPA asked AI when he could get married comfortably after sharing his full expense and savings details. Based on his current monthly savings of around Rs 32,000 and existing financial commitments, the response suggested that …