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EDITORIAL PICKS TO PREPARE FOR YOUR SECOND INNINGS

50 is the new 40! This is not the time to think of what could have been. Instead, plan for the next round as you protect what matters most. Your peace of mind.
Pension plans enable you to use your pre-retirement savings to generate steady income after retirement. If you are searching for the best pension plan, here are 9 tips to help you do it right:
4min read

We're all looking for ways to make our money grow, and secure ourselves and our family’s financial future. But reaching that secure destination needs preparation, discipline and careful planning. 
3min read

In your 50s, the most important concern you might have is that you have limited time. The years are passing and there are still a lot of things to do - one of them being to start your own business. For some, it’s a great retirement planning strategy. 
3min read

In investments, what’s right for you today might not be the best choice tomorrow. Most investors don’t realise this, or realise it too late. That’s why it is essential to evaluate and update your financial goals from time to time, and recalibrate your investment portfolio accordingly. Here are 7 ways to do it right:
5min read


HOW TO GET STARTED

Want to understand how "finally" to get started? Absorb in the pool of knowledge to get a head start.
Checklist for buying a property abroad
Real estate is the most sought after property by Indians, besides gold and fixed deposits. Option of fractional real estate has also made it affordable to buy overseas property. 
May 2023
3min read

Why involve spouse in financial decisions
Money is a sensitive issue. Couples who postpone discussing it frequently end up in a squabble. Why did you find yourself in this situation? Discuss money with your partner. Express your thoughts and disagreements. Only by thrashing out your approaches you be able to make it work in the long run. Here's why it's critical to discuss money with your partner.
Apr 2023
2min read

How to Optimise your Retirement Planning
Retirement planning is a lifelong process, and should start long before you retire – the sooner, the better. The aim is to ensure a steady stream of income after retirement. It entails setting aside funds and investing specifically with a retirement corpus in mind. Your exact retirement strategy will depend on your goals, income and age.
Jan 2023
4min read

Building a Post-Retirement Investment Corpus
Continuing to invest post-retirement helps to provide more freedom and prosperity in your retired life.
Oct 2022
3min read

How to keep tabs on your financial health
Assessing your financial health is an important step in the personal finance planning process. It helps you to know where you stand in terms of your finances. Further, it helps you determine what adjustments you need to make to manage expenses, earn income, and ensure you’re progressing as per your financial goal planning. 
Jul 2022
4min read


SECURE YOUR FUTURE

Protect your future as you get going, again. Take the right steps to ensure a stable innings.
Household Budgeting
An easy and smart guide to managing your household expenses effectively
Goal-based investing is all about identifying your life goals (short term and long term) and channelizing your finances in order to achieve them. The importance of goal-based investing is that it not only provides you with a smart investment strategy but also a path to attaining your goals in a timely manner.   
3min read

Healthy financial habits can go a long way in saving and managing your income and expenses smartly. 
3min read

If you can manage to rid yourself of debt by age 50, you'll be setting the stage for a financially healthy retirement. If you manage to pay off by then, you'll have several years to put your savings to your retirement funds, laying the groundwork for a comfortable life once you quit working. By the age of 50 it is ideal to be debt-free, and your retirement savings should be enough to give you a comfortable life. 
2min read

We all face the dilemma of repaying loans or investing and saving for retirement. Salaried individuals usually rely on loans to meet their goals of housing and other discretionary aspirations. 
3min read

Give yourself peace of mind by securing your family’s long-term future.
4min read

Household debt in India continues to rise – as per the All India Debt and Investment Survey 2021, household debt’s share of GDP rose from 32.5% in 2019-20 to 37.3% in 2020-211. Budgeting helps avoid these scenarios and helps meet the needs of a growing household. It’s one of the most important tools in building a successful financial future because it helps you get the most out of your money.
4min read

Saving for retirement must form an important aspect of your financial goal planning at any stage of life, but particularly so when you are in your 50s. Many people make the mistake of deferring retirement planning till it’s too late. The concept of increasing savings remains limited to Employee Provident Fund or Public Provident Fund contributions.
4min read

Protect
Shield yourself and your loved ones with robust insurance planning
The average Indian’s life expectancy has increased from 59.6 years in 1990 to 70.8 years in 20191. While that’s good news, it also means that our post-retirement expenses go up the longer we live. A retirement pension plan could help you manage these growing post-retirement expenses. But with hundreds of different plans to choose from, how will you pick the best? 
Here are seven things your retirement plan should be able to do:
4min read

If you are looking to buy a life insurance plan, term insurance is perhaps one of the most important policies you need to consider.
8min read

There is no ‘right’ age to explore your entrepreneurial ambitions. With a great idea and genuine motivation, you can launch a successful new business in your 20s, 40s, 50s or even after retirement. But while India has one of the world’s largest start-up ecosystems, 90% of new ventures fail within 5 years of inception1. One of the most common problems with new start-ups is the failure to prepare for setbacks. A well thought-out contingency plan could come to your aid in such scenarios.
Here are 7 advantages of creating a contingency plan:
4min read

If you've just purchased or are going to purchase an insurance policy for the first time, you may be overwhelmed by the terms and conditions you'll encounter. 
3min read

It’s important to inculcate good financial habits to secure your future. It’s equally important to avoid money mistakes, in order to keep yourself on track to achieve your retirement goals. Here are some of the major mistakes to avoid for hassle-free retirement planning:
4min read

The average age of retirement in India is 601, so once you enter your 50s, you are less than 10 years away from retirement. The good news is that you’re probably earning more than you did in your 30s or 40s, and you are financially stronger. But there could be obstacles lurking – and some upcoming expenses could derail your retirement plans. Here are 7 significant expenses that you should prepare for in your 50s:
5min read

When you’re coming closer to your retirement, there may be several financial concerns in your mind. It’s easy to ignore or forget about an emergency fund in the midst of all this.
4min read

Save & Invest
Save and invest for your secure future
Financial security is a lifelong journey, punctuated by several short-term and long-term objectives that change with time. While short-term milestones are essential for keeping you motivated, long-term goals have a lasting impact on your overall financial health.
As important as it is to define financial goals, it is also essential to re-evaluate them periodically to ensure sustainable financial security. But how do you redefine your financial goals? Here are 7 tips that can help:
4min read

Most of us engage in investment planning with mutual funds to create a better life for our families. But as you strive to meet your financial planning needs, you must ensure that your investments will be transferred to your loved ones if something were to happen to you. 
3min read

With their relatively lower volatility compared to equity asset class and regular income-generating potential, debt mutual funds are ideal for conservative investors. These schemes invest your money in securities like treasury bills, corporate bonds, commercial papers, government securities and other money market instruments which have the potential to deliver comparatively stable returns.
But with so many options to choose from, how do you pick the debt funds? Focus on these 7 fundamentals among other factors:
3min read

4min read

As you approach your 50s, financial and investment planning must become focused activities, to accommodate your current requirements and also prepare you for retired life.
3min read

Not everything in life goes as planned. The same holds true for retirement planning as well. Here are a few challenges that you may face along the way and suggestions on how you can successfully overcome the situation.
3min read

Turning 50 can be a wonderful landmark in your life and personal finance journey. This is when you are at the peak of your career as well as meeting all your family obligations. However, financial planning remains an important responsibility and depends on the scenario you’re in.
3min read

CALCULATE FINANCIAL GOALS

Plan and achieve your goals with the help of these calculators
Goal SIP Calculator
We help you plan for your life goals, with great ease!
Retirement Calculator
Calculate how much you need for a comfortable retirement

PODCAST

In PGIM India podcast series, we bring you insights on money management and personal finance to help you make smart investment decisions

How to Select Equity Funds For Your Portfolio
How to Select Equity Funds For Your Portfolio

In life we are inundated with choices – whether it’s the choice of clothes, the colour and brand of cars, perfumes, the list can go on. Clearly, there’s a wide variety of options available today in every sphere of life which can be sometimes overwhelming. 

Feb 2024
21min read


5 smart ways to use Systematic Transfer Plan & Systematic Withdrawal Plan
5 smart ways to use Systematic Transfer Plan & Systematic Withdrawal Plan

Systematic Transfer Plan and Systematic Withdrawal Plan are tools offered by mutual funds that provide convenience and flexibility to cater to investor’s different financial goals. 

Jan 2024
17min read


How to invest in Global Companies
How to invest in Global Companies

In this episode of Money Buddy, Ajit Menon, CEO, PGIM India Mutual Fund, takes us through why investors should consider investing beyond Indian markets and the options available to diversify their portfolios in international stocks.   

Aug 2023
15min read


Automate your portfolio with Balanced Advantage Funds
Automate your portfolio with Balanced Advantage Funds

Balanced Advantage Funds dynamically adjust their equity and fixed income exposure based on a pre-determined formula. 

Aug 2023
10min read


Best of both worlds - How Hybrid Funds Give You An Edge
Best of both worlds - How Hybrid Funds Give You An Edge

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss why investors are lapping up Hybrid Funds and how to go about selecting the right Hybrid Fund for your portfolio.

Jan 2024
16min read


5 steps to Build your Emergency Fund with Debt Mutual Funds
5 steps to Build your Emergency Fund with Debt Mutual Funds

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss the importance of creating an emergency fund, where to invest, and shares five simple steps to create an emergency fund corpus.

Nov 2023
17min read


The what, how and why of asset allocation
The what, how and why of asset allocation

In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss what asset allocation is, different types of asset allocation, its benefits, what goes into making a diversified portfolio, and more. 

Nov 2023
15min read


INTERESTING SECTIONS THAT YOU MAY WANT TO EXPLORE

The following sections may interest you, and you may want to explore them more in detail







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The information contained herein is provided by PGIM India Asset Management Private Limited (the AMC) on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. However, the AMC cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. The information contained herein is current as of the date of issuance* (or such earlier date as referenced herein) and is subject to change without notice. The AMC has no obligation to update any or all of such information; nor does the AMC make any express or implied warranties or representations as to its completeness or accuracy. There can be no assurance that any forecast made herein will be actually realized. These materials do not take into account individual investor's objectives, needs or circumstances or the suitability of any securities, financial instruments or investment strategies described herein for particular investor. Hence, each investor is advised to consult his or her own professional investment / tax advisor / consultant for advice in this regard. The information contained herein is provided on the basis of and subject to the explanations, caveats and warnings set out elsewhere herein. The views of the Fund Manager should not be construed as an advice and investors must make their own investment decisions regarding investment/ disinvestment in securities market and/or suitability of the fund based on their specific investment objectives and financial positions and using such independent advisors as they believe necessary.
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