Securing your retirement income

Setting up a predictable post-retirement income stream is no cakewalk. We give you a roadmap

Everything you need to know about annuity plans

Though annuities ensure a regular flow of income after retirement, low annuity rates are a cause for concern

Using debt funds for income

Debt funds can be used to generate regular income to meet your living expenses. Find out how

Overview of the Senior Citizens Savings Scheme

The Senior Citizen Savings Scheme (SCSS) is a deposit scheme introduced by the Government of India to provide guaranteed returns to senior citizens

How should I proceed to retire early?

Aim to accumulate enough by investing in a mix of equity and fixed income, advises Dhirendra Kumar

Should a retiree invest in debt funds as interest rates have fallen?

Dhirendra Kumar sheds light on how a retiree should approach investing in mutual funds now that interest rates have fallen

What is the right approach to setting up a systematic withdrawal plan (SWP)?

Dhirendra Kumar highlights the fundamentals of setting up an SWP

Should I opt for the dividend option in mutual funds to get regular income?

A systematic withdrawal plan is a better option and can be customised to your requirements, says Dhirendra Kumar

The power of simple ideas

The goal of an SWP redemption is not to improve the average, but to eliminate the worst

Don't let falling interest rates bring you poverty in retirement

The extent to which falling interest rates impact the income of retirees is much greater than it might seem

Where should I invest Rs 40 lakh for regular income?

Dhirendra Kumar sheds light on investing for regular income

How fund houses declare the dividend for a scheme

There are various factors responsible for how much and when mutual fund dividends are declared

Karvy Stock Broking says my shares are robbed. What should I do?

Immediately register your complaint with SEBI on SCORES website, recommends Dhirendra Kumar

The ultimate portfolio for a retiree

This story illustrates how a retiree can build a portfolio to deal with the problem of falling interest rates and steer clear of poverty in old age

PMVVY scheme gets extended at a reduced interest rate

Pradhan Mantri Vaya Vandana Yojana has been extended up to March 31, 2023, but at a reduced interest rate of 7.4 per cent

What's the maximum amount I can invest in SCSS?

One can invest a maximum of Rs 15 lakh in Senior Citizens' Savings Scheme (SCSS) in individual capacity

A financial plan for a 60-year-old

Financial planning doesn't stop with retirement. Instead, it becomes all the more important. Here is what a retiree should do to derive a regular income

Should I continue with my PF account after taking voluntary retirement?

Interest income from the provident fund account gets taxable once you stop making contributions, tells Dhirendra Kumar

Should I invest a lump-sum amount in NPS or invest through an SIP?

It is always advisable to invest in a systematic manner when it comes to any market-linked investment, says Dhirendra Kumar

How to actually earn a regular income from mutual funds

With interest rates unlikely to head upward anytime soon, retirees need to get out of the FD mindset

How to derive income in retirement

A post-retirement plan can be divided into three components: emergency fund, income-generation portfolio, meant for the first five years, and growth portfolio

With FD interest rates being so low, where should retirees park money?

To grow their capital, retirees should assume some equity risk, suggests Dhirendra Kumar

Suitable asset allocation for someone approaching retirement

An allocation with 50 per cent in equity and 50 per cent in debt should be taken into consideration, says Dhirendra Kumar

Where should I invest the debt portion of my retirement fund?

Corporate bond and banking and PSU funds can be good alternatives, says Dhirendra Kumar