Build a stable stack of funds to help you retire in peace.
Once you’re close to retirement or have already retired, your life becomes different. Certain changes define life after retirement. Some of the positive changes are that you get are plenty of free time, and the option to relax and enjoy a life of leisure.
6min read

How to manage a windfall?
You may occasionally experience a financial windfall. This could be through the sale of a business, an inheritance from parents, sale of property, your firm going public, money earned from litigation, alimony, or just winning a large lottery. An appropriate asset allocation can be created based on your goals, risk tolerance, and target deadlines.
3min read

Our careers lead us to put roots down in one place, as we move up the professional ladder. However, as we approach retirement, there’s nothing to stop us moving to a new place more suited to our new lifestyle. Many retired people may wish to relocate away from fast-paced metropolitan areas. This can have considerable personal and financial implications. Therefore, it is important to carefully weigh the pros and cons before you considering relocating after retirement.
6min read

Gradually reducing your spending in the lead up to retirement will help you make the transition smooth. Here are some ways to manage your household budget in your golden years.
2min read

Achieving financial security in retirement requires advance investment planning and commitments and, yes, better tax planning.
4min read

Retirement does not mark the end of your financial and investment planning, but a new phase of it. As you survey your finances, you might be happy with your Provident Fund, and your pension is probably on the horizon – things look rosy. But you should beware of taxes and inflation. Pooling in your savings is only half the job, you must keep earning returns from them that are higher than the inflation rate, and keep your tax liabilities to a minimum.
4min read

You’ve had a long career, you’ve done the hard yards, and now you deserve to enjoy the fruits of your financial planning. But retirement shouldn’t spell the end of your financial and investment planning – it’s a time to renew your personal finance goals.
3min read


Want to understand how "finally" to get started? Absorb in the pool of knowledge to get a head start.
How Can You Use a Systematic Withdrawal Plan After Retirement?
Wondering how you can generate a regular income to fund your expenses after retirement?
May 2023
6min read

Benefits of delayed retirement on health and mortality
Your 20s are a decisive phase of life that helps pave the way to a future where you achieve key goals and fulfil all your dreams. To carve out this path, it is important to take some of the most crucial decisions at this stage. Therefore, it becomes even more prudent to set some financial goals to better plan for the future.  
Apr 2023
2min read

How to Manage Your Retirement Income
In this special phase of your life, managing your expenses is a major priority.
Mar 2023
5min read

How to Save Up for Travel in Retirement
After retirement, your salary income will stop, but your lifestyle should not be diminished. The goal of financial planning through your life is to have sufficient funds to continue and even improve your lifestyle post-retirement. Ideally, you want to be able to live some of the dreams you couldn’t afford when you were younger – and seeing the world is foremost among them.
Jan 2023
3min read

How To Choose Fulfilling Pursuits After Retirement
Retirement is the time to stop settling for less and start pursuing your passions. Freed from most responsibilities, this phase of life is the best time to relax , fulfil one’s personal goals and tick off that bucket list!
Oct 2022
3min read

5 ways to fund your dream family vacation after retirement
Retirement begins a new chapter of your financial planning journey. In this phase, your personal finance goals shift towards sustaining the flow of income and ensuring your funds don’t get depleted while managing your expenses. Good investment planning will help ensure that you don’t fall short of funds for your endeavours. However, retired life isn’t just about meeting your expenses, it’s also about enjoying your leisure time and doing what you enjoy. If a dream family vacation is on your bucket list, here are five steps to make it happen:
Jul 2022
7min read


Secure your future as you prepare the next leg. Take the right steps to ensure a stable innings.
Household Budgeting
An easy and smart guide to managing your household expenses effectively
As you enter retirement, you will have plenty of time to plan your finances carefully. If you have already met all your personal finance goals and your dreams, you may start thinking about others in the family. Many people want to make provisions for their grandchildren as part of their goal planning. They either want to leave their wealth to them, or want to pursue financial planning to provide better financial security for their grandchildren.
This goes beyond just offering cash gifts for birthdays or engaging in estate planning. It involves assistance like funding their college fees, helping them pay their EMI or helping them get started with investment planning .
Here are 7 ways you can secure your grandchildren’s financial future:
4min read

Retirement is the era of life in which you bid farewell to active employment and begin to enjoy your leisure time. 
2min read

Reverse mortgage can serve as a good alternative source for funding retirement for senior citizens who own a house. 
4min read

There are many avenues of saving but choosing the right one is essential. An emergency fund helps you plan for unexpected expenses. A financial emergency can come in any form – loss of income, house repair, healthcare expense, etc. Thus, your emergency corpus should be able to take care of your routine cash outflows such as rent, EMI, electricity bill, health insurance/life insurance premiums, school/college fee, grocery bill and so on for a period of at least six months. 
4min read

The nature of your financial goal planning changes in retirement. Before retirement, the emphasis would have been on building a sufficient retirement corpus, while saving heavily and deferring expenses. Now, you may no longer receive a fixed income, but you finally have time to pursue the hobbies you have been putting off all these years. With proper investment planning, you can achieve your goals, manage your expenses and finances and truly enjoy retired life. You should continue to invest in options like mutual funds so that you don’t just rely on your savings, but make your money work for you. At the same time, opt for instruments that minimise risks, offer stable returns and keep your funds secure. Here are four ways to balance financial growth and security for a fulfilling retirement:
5min read

Retirement is the culmination of one chapter of your financial planning journey – but it doesn’t mean you stop financial planning for good. In fact, the next chapter will soon begin. This post-retirement planning isn’t just a continuation of pre-retirement planning, though, because the nature of your financial situation changes once you retire.
2min read

As you retire, you enter a special phase of your life. At this point, you’ve probably fulfilled most of your responsibilities. You may be eager to pursue your hobbies and might be looking forward to a relaxed life. It’s a great time to enjoy the fruits of good financial planning.
4min read

Shield yourself and your loved ones with robust insurance planning
As you cross the age of 60, it becomes increasingly important to prioritise your health and undergo regular medical check-ups. Constant vigilance is important to ensure your health does not deteriorate. Here are four key advantages of regular check-ups:
3min read

Is insurance for senior citizens worth it?
5min read

Insurers offer a plethora of products and understanding the nuances and features of each policy/plan can be a daunting task. 
4min read

A term insurance protects your family in an unfortunate event. Here are few aspects which you should be mindful of while signing up for a term plan. 
3min read

The post-retirement period is a special phase in most people’s lives. You’ve worked hard, accomplished your major goals, taken care of your responsibilities, and you’re now looking forward to a well-deserved period of relaxation and leisure.

You are also able to enjoy the fruits of your financial planning. The big difference is, you may not have a regular income now. You may dip into your retirement corpus, but inflation, market volatility and unexpected expenses may dent its value. At the same time, rising life expectancy might make that corpus seem a little smaller than you first thought. You might begin to worry about managing your monthly expenses. To stay on top of these expenses and achieve your ambitions in retirement, it would be useful to maintain a regular source of income.

A detailed personal finance plan can help you measure the income you need, and therefore the kind of income sources you should explore: To help you get started, here are four instruments you can rely on to generate a regular income and enjoy your life after retirement:

5min read

As you cross the milestone of retirement, you can begin to enjoy the fruits of your financial planning – but the planning doesn’t end here. New responsibilities and tasks emerge as you begin to build your legacy and the future of your family, by drafting a will and pursuing estate planning. This is a continuation of your goal-based financial planning journey, designed to ensure your post-retirement personal finances are secured.
4min read

Most people want a relaxed life after retirement, which is well-deserved – but it’s important to keep an eye on your financial and investment planning even as you kick back. Since your monthly pay cheque may cease once you retire, a detailed retirement plan can help organise your personal finances for the long run. You will have to analyse your expenses, plan your income around your goals and systematically allocate money to the activities and projects you want to take up in retirement. While saving money is crucial, getting insured and investing money in the right place are equally important.
4min read

Save & Invest
Save and invest for your secure future
Whether it’s your office desk, wardrobe or portfolio, decluttering helps you organize things in a better way. When it comes to our finances, we may have invested in a variety of products through different intermediaries like banks, MFDs, insurance agents and opened multiple bank accounts. Keeping track of everything may become a challenge.
Here are a few benefits of consolidating your portfolio.
Sometimes, simplicity is better. When you keep all or most of your investments in one place, you just need to remember one username and password, and one customer support contact.
You can also save time and paper by reducing the number of individual statements you get, whether electronically or by mail.

2min read

Retirement marks a new chapter of your financial journey, as the financial and investment planning goals of a lifetime come to fruition. Yet many retirees still have a nagging fear that they might run out of money, since their steady salary income stops while their expenses endure. There may be concerns over EMIs, loan payments, how to manage household and essential expenses, medical expenses etc.
5min read

Asset rebalancing is a key part of investing. It’s important to review and update your investment portfolio regularly, because your financial goals and financial situation will change with age. In your 60s, your investment horizon and risk tolerance are very different from what they were in your 20s.
This has a significant effect in the case of equities and fixed income investments. Younger investors with a larger investment horizon are usually encouraged to invest more of their portfolio in equity mutual funds / direct equity. The opposite is true for older investors with a smaller horizon, for whom fixed income vehicles like PPF and bonds may be more suitable. Let’s take a look at why this is so:
2min read

Retirement comes with plenty of free time, and the option to relax and enjoy a life of leisure. But some people also struggle with the boredom and lack of purpose. Moreover, your financial planning doesn’t stop upon retirement. There are newer goal planning considerations in store. You need to pursue the right personal finance and investment planning to protect your retirement corpus from inflation and taxes. You’ll continue to manage expenses such as household expenses, lifestyle expenses, emergency medical expenses etc. You’ll have to maintain adequate life and health insurance to protect your retirement corpus from unforeseen events.
5min read

Launched in 2004, Senior Citizens Savings Scheme Account (SCSS) was launched with the primary goal of providing senior citizens in India with a regular income once they reach the age of 60. 
3min read

Inheritance is a symbol of lineage in all societies. If you have assets to leave to your children, it is best to leave it in a way that minimizes disagreements. 
2min read

After spending the majority of our adult life in employment, it can be a bit overwhelming to switch to being dependent on passive income. But with strong financial and investment planning, retirement can be a genuinely fulfilling experience. You can reorient your personal finance goals to help you pursue your dreams and passions – travel, a new hobby etc.
4min read

Most people prepare for retirement by saving and investing throughout their working life. During retirement, your financial goals and approach to financial planning will undergo a change, as your priorities shift to maintaining your lifestyle and securing your legacy. At the same time, it’s important to continue with your investments even during the retirement phase of life. Let’s take a look at the six key investment options available to you in retirement:
4min read

As you approach retirement, you enter a new phase of financial planning, guided by new goals, anxieties and ambitions. The rise in life expectancy has made it even more important to plan well for retirement, so that you have enough money to lead a long, comfortable retired life.
4min read


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