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Higher Provident Fund (PF) Deduction from Your Salary

The Employee Provident Fund Organization (EPFO) has come up with a fresh idea: more money should be deducted from your salary for Provident Fund (PF). They have announced this via a circular dated 30 November, 2012. Read on to get the full details, and how it impacts you.   Provident … [Read more...]

9 Tips on Figuring the Saving And Investment Needed to Fund Your Retirement

The primary reason why people are unable to properly plan for their retirement is that they do not see it as an immediate problem. Without realizing what is needed to fund their retirement, they face many problems when they come close to it. Here are the top 10 tips for figuring the savings … [Read more...]

What “Kolaveri Di” Song Teaches You About Personal Finance

Unless you have been hibernating for a few months, there is no way you have not heard about the song "Kolaveri Di". It is a song from an upcoming Tamil film, and the lyrics are in Tamil and English. The song is HUGELY popular - not only in Tamilnadu, not only in Southern India, not only in … [Read more...]

Retirement Planning – How Much Should You Save To Build Your Retirement Corpus?

We see a lot of advise floating around when it comes to retirement planning. Many experts advise to save a fixed percentage of your salary every month in order to build your retirement corpus - the advise usually ranges from 5% to 20%. But is this approach of having a ball park percentage … [Read more...]

Positive Changes For Small Saving Schemes and Public Provident Fund (PPF) – What It Means For You

The Government had recently announced many small changes that should bring cheer to you! This includes changes in Post Office Savings Accounts, Post Office Monthly Income Scheme (PO MIS), and Public Provident Fund (PPF). Following are the details and their implications for … [Read more...]

RBI 8% Savings (Taxable) Bonds – Are they right for you?

This article explains the features of the RBI's 8% savings bonds (also referred to as “RBI Relief Bonds”), and discusses if you should be investing in them. … [Read more...]

An introduction to Post Office Monthly Income Scheme (PO MIS)

The Post Office Monthly Income Scheme, more commonly known as MIS, is very popular among safety-seeking investors. Here are all the details that you should know about PO MIS. … [Read more...]

Retirement money: How to invest, where to invest

At the time of retirement, you get a large sum of money. It can be from your provident fund (PF), superannuation, leave encashment, commutation of pension, or any combination of these. The biggest question that faces you at that time is: How and where to invest this money? Which investment avenue … [Read more...]

All you wanted to know about Senior Citizen Savings Scheme (SCSS)

The Senior Citizen Savings Scheme (SCSS) is often referred to as the best alternative for the elderly to invest their money. Is this justified? Here's a detailed look at all the features of the Senior Citizen Savings Scheme, and an analysis of whether you should invest in it or not. … [Read more...]

Provident Fund (PF) and Voluntary Provident Fund (VPF)

Provident Fund (PF) and Voluntary PF (VPF) are two investment avenues that most salaried people invariably encounter. This article explains what PF is, and also talks about Voluntary Contributions to the PF account. Here’s how you can use PF and VPF to create a great base for a great retirement. … [Read more...]