RETIREMENT FUND
Rs 1 lakh salary, Rs 20,000 savings: Is early retirement possible? 22-year-old starts retirement planning from day one of career
A 22-year-old who is about to start a job in Mumbai with a monthly salary of around Rs 1 lakh turned to Reddit for advice on retirement planning. After accounting for rent, living expenses and family support, he expects to have about Rs 20,000 left each month for savings and investments. Reddit users advised him to first build an emergency fund, buy health and term insurance, invest consistently and focus on increasing his income through upskilling, arguing that career growth can have a bigger impact on long-term wealth creation than constantly tweaking investments.
7 must-know things about EPS-95 pension: Eligibility, pension formula, family benefits and more
The Employees' Pension Scheme, 1995, offers vital retirement benefits for organized sector workers. Managed by the Employees' Provident Fund Organisation, it provides monthly pensions, family pensions, and disablement pensions.
5 small savings schemes offering up to 8.2% interest rate in 2026: SCSS, PPF, NSC and more
Small savings schemes, popular for conservative investors, will retain their interest rates for the April-June 2026 quarter, offering returns up to 8.2% per annum. Schemes like SCSS and SSA provide attractive rates, while NSC, MIS, and PPF offer stable returns with tax benefits for long-term wealth creation.
SC asks UP, Centre to conclude disciplinary proceedings against ex-IPS Amitabh Thakur in 6 months
The Supreme Court has ordered the Uttar Pradesh government and the Centre to finalize four ongoing disciplinary actions against former IPS officer Amitabh Thakur. These proceedings must be concluded within six months. Thakur, who was compulsorily retired in 2021, claims these inquiries have been prolonged for a decade. His retiral dues remain unpaid.
PPF, SCSS and NSC have outperformed equity in last 2 years, but should you write off equities?
Small savings schemes vs Nifty indices: While equities have shown muted returns recently, small savings schemes have offered stable returns of up to 8.2%. Despite short-term volatility in indices like Nifty 100 and Nifty Midcap 150, small savings schemes provide a reliable option for conservative investors. Equities, however, offer superior long-term wealth creation potential for those with a higher risk tolerance and a longer investment horizon.
₹50 lakh to ₹1.4 crore: How extending your PPF can add lakhs to your corpus and who should do it
PPF maturity presents a choice: withdraw or extend for continued tax-free compounding. While government backing and tax benefits remain attractive, especially for high-income earners, individual circumstances dictate the optimal decision. Understanding extension rules and recent changes is crucial for effective retirement planning.
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States challenge Nasdaq, FTSE Russell for fast-tracking SpaceX
Letters to both companies seen by Reuters on Thursday raise concerns about the impact Elon Musk's rocket and satellite communications company could have on other investors through its record-breaking $75 billion debut.
Human kindness of the day from America: At 85, theatre worker woman finally retires after 45 years, gets $146K from strangers
An 85-year-old movie theatre worker in Tennessee received a life-changing surprise after a customer shared a video of her working. Moved by her dedication, 21-year-old Brooklyn Green launched a GoFundMe campaign to help Mary Ellen Eron retire. The fundraiser quickly went viral, attracting more than 7,500 donors and raising $146,317 in just a few days. Overwhelmed by the support, Eron thanked the thousands of strangers who contributed.
Social Security crisis 2032: Could a 22% benefit cut slash retirement income for millions of Americans if Congress fails to act?
Social Security crisis 2032 is no longer a distant warning. Current projections show the trust fund could face depletion by 2032, triggering a potential 22% benefit cut. For millions of retirees, this is about more than retirement benefits. It is about income security, rising living costs, and whether America’s retirement system can keep its promise.
AMFI Data: Mutual fund SIP inflows slip 1% to Rs 30,954 crore in May
May SIP Data: The monthly inflows remained above the Rs 30,000 crore mark for the third consecutive month. On yearly basis, the SIP inflows went up 16% from Rs 26,688 crore in May 2025. Overall, equity mutual fund inflows declined 40% month-on-month to Rs 22,907 crore in May from Rs 38,440 crore in April. However, on a year-on-year basis, inflows rose 20% from Rs 19,013 crore recorded in May 2025.
Retired with Rs 4 lakh in mutual funds? Here's what an expert suggests before starting an SWP
A 74-year-old investor with Rs 4 lakh in equity mutual funds seeks advice on future income generation through Systematic Withdrawal Plans. An expert suggests gradually adding hybrid funds to reduce market volatility. The withdrawal amount will depend on investment duration, accumulated gains, income needs, and overall financial situation. Historical data suggests 5-6% annual withdrawals are sustainable over 10-15 years.
Retirement planning: 7 golden rules you must consider for easy retirement
Retirement planning should focus on generating sustainable income while ensuring the corpus lasts throughout life. Key factors include accounting for inflation, healthcare costs, liabilities, and lifestyle needs. Maintaining a balanced asset mix with some equity exposure for growth and gradually increasing debt allocation with age can provide liquidity and stability.
Rs 1.50 lakh/month income from Rs 1.5 crore corpus? Easy retirement strategies explained
Retiring with Rs 1.5 cr can provide a monthly income, but the amount depends on risk appetite and investment returns. Experts suggest withdrawal rates between 4.5% and 6.5% annually, with potential monthly incomes ranging from Rs 70,000 to Rs 1.2 lakh. A bucket strategy is recommended for managing immediate needs and long-term growth.
Rs 7 lakh life insurance cover at zero premium, which very few EPF members are aware of; check how to claim when needed
Employees' Provident Fund contributions offer a life insurance cover of up to Rs 7 lakh through the EDLI scheme, at no extra premium. This government-backed benefit protects families in case of an EPF member's death during service. Eligibility requires active EPF membership and employer contributions. Claims are processed by EPFO, with updated nominations expediting the procedure.
Best flexi cap mutual funds to invest in June 2026
Flexi cap mutual funds provide a flexible investment avenue for investors navigating market volatility. Fund managers can strategically allocate assets across large, mid, and small-cap stocks based on market outlook. This approach is ideal for moderate investors aiming for wealth creation over a five to seven-year horizon.
SpaceX IPO: 5 Indian mutual funds that can offer exposure to space giant
SpaceX’s planned IPO and potential inclusion in the Nasdaq-100 have renewed investor interest in Indian mutual funds tracking the benchmark. Such funds could gain indirect exposure to the aerospace giant, although fresh investments in several schemes remain restricted due to overseas investment limits.
Tata Mutual Fund announces temporary restrictions on subscriptions in its gold ETF and FoF
Tata Mutual Fund has temporarily restricted fresh subscriptions in its Tata Gold ETF and Tata Gold ETF Fund of Fund, citing prevailing market and economic conditions. While large direct investments and certain lump-sum inflows face limits, SIPs, SWPs, redemptions and switch-outs will continue without any restrictions.
8th Pay Commission latest news: Railway pensioners' body demands one rank one pension, inflation-linked pension revision
Retired railway employees are urging the 8th Pay Commission to implement one rank one pension. They also demand a revision of basic pay and increments to combat inflation. The association seeks improved allowances, welfare benefits, and retirement provisions.
Axis Mutual Fund removes exit load on largecap, flexicap and 1 more scheme; cuts holding period for midcap fund
Axis Mutual Fund has revised exit load structures across its equity schemes, removing charges for large-cap, flexicap and large & midcap funds while shortening the holding period for the midcap fund. The changes apply from June 15 and will cover all fresh investments, including SIPs, STPs and switches under the schemes.
Retired with 100 stocks and Rs 60,000 SIPs? Expert explains how to simplify your portfolio and plan withdrawals
Retirees face a new challenge: managing wealth after decades of building it. Experts advise simplifying complex portfolios, especially those with many stocks. The focus moves to generating income and ensuring long-term financial security through strategic adjustments to investments and withdrawal plans.
SSA June Payments: First round of benefits to arrive on June 10 - Check eligibility and who qualifies for top payment
Social Security payments for June are being distributed based on beneficiaries' birth dates. Supplemental Security Income recipients received their payments on June 1. Other beneficiaries will receive their funds on June 10, 17, and 24. A 2.8% Cost-of-Living Adjustment is also in effect for 2026, increasing monthly benefits for retirees and disabled individuals.
Social Security benefits June 2026: Who gets paid June 10 and what could future benefit changes mean?
Social Security payments remain a top concern for millions of retirees in June 2026. The latest Social Security payment arrives June 10 for beneficiaries born between the 1st and 10th. The Social Security payment schedule also highlights growing focus on retirement benefits, SSI payments, and future funding challenges. Knowing payment dates helps recipients plan finances while tracking important Social Security updates shaping retirement security across America.
Startup investing in India: Why angel investing is high-risk, illiquid, and suitable only for patient investors with diversified portfolios
Indian startup investing, once fueled by easy money, now demands caution due to market volatility and inherent risks. While success stories attract affluent investors, the reality involves illiquidity, founder ethics, and long holding periods. Experts advise a disciplined portfolio approach, thorough due diligence, and realistic expectations for those venturing into this complex asset class.
Are you saving enough money? Experts point to 3 golden rules of savings to achieve your financial targets
Saving money requires more than setting aside leftover income; it needs a structured plan to stay effective amid rising costs and financial pressures. Experts recommend building an emergency fund first, followed by long-term savings targets that increase with age, while also keeping in mind that individual situations vary. The biggest challenge for most people is controlling daily spending, where small unnecessary expenses can quietly reduce overall savings.
What? Could your Social Security benefits be cut by $500 a month in 2032? Here's which states face the biggest losses from trust fund insolvency
For millions of retirees, Social Security is more than a government benefit. It is a lifeline. New projections warn monthly checks could fall by about $500 in 2032 if the trust fund runs short. The risk is not immediate. But the numbers reveal why many Americans are growing increasingly concerned.
Can a ₹1 crore NPS corpus generate more than ₹1 lakh per month? What the new RIS framework offers
Retirees now have a new way to manage their National Pension System (NPS) corpus, offering flexibility and potential for growth. The Retirement Income Scheme (RIS) allows keeping savings invested post-retirement, generating regular income through Systematic Payout Rate (SPR) or Systematic Unit Redemption (SUR) options. This approach balances market exposure with risk management, aiming for sustainable income over long retirements.
Planning early retirement at 50 with a Rs 12.5 crore corpus? Expert explains how to generate Rs 2 lakh monthly income
An investor planning early retirement at 50 with a Rs 12.5 crore corpus seeks expert advice on generating Rs 2 lakh monthly income. The expert outlines a goal-based framework, recommending a balanced 60% equity and 40% debt allocation for retirement and a more growth-oriented mix for long-term wealth creation
401(k) balances drop 4% in 2026: How do your retirement savings compare with Fidelity data?
A 4% decline in average 401(k) balances during early 2026 has put retirement savings and financial planning back in focus. Market volatility, stock market swings, and global tensions pressured investment accounts, yet the average 401(k) still holds $141,000 and remains 11% higher than a year ago. Millions of Americans continue increasing retirement contributions, embracing Roth 401(k) accounts, and building long-term wealth.
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