Author: Naresh Saini

Many people see retirement as the time to relax, but for some, it brings a feeling of emptiness. After working for 30 to 40 years, it is not easy to suddenly stop being active. That’s why many retirees in India now look for ways to stay busy and earn money even after retirement. With more life experience, skills, and confidence, senior citizens can explore new opportunities that give both income and satisfaction. Retirement is no longer just about sitting at home. With increasing life expectancy, good health, and better awareness, many people above 60 are starting small businesses. You don’t…

Sukanya Samriddhi Yojana (SSY) is one of the most trusted savings schemes for a girl child in India. If you are a parent planning your daughter’s future, then this small monthly investment can build a large fund by the time she turns 21. The central government backs the scheme and gives one of the highest interest rates among small savings schemes. It also comes with tax benefits and a safe maturity structure. Here, we explain how much total fund you can get from SSY based on your monthly investment using a simple calculator. What is Sukanya Samriddhi Yojana? Sukanya Samriddhi…

In today’s world, managing money wisely is not just a habit, but a necessity. With inflation rising, simply saving money in your bank account won’t help you beat the cost of living. You need an investment tool that helps your money grow and also gives peace of mind. For millions of Indians, that tool is a Systematic Investment Plan (SIP) in mutual funds. SIP has become the go-to choice for both new and experienced investors in India. It allows you to invest a fixed amount regularly in a mutual fund scheme. Over time, this small, steady effort can create a…

Warren Buffett, one of the world’s richest and most respected investors, has announced that he will step down as the CEO of Berkshire Hathaway by the end of 2025. This major decision came during the company’s annual shareholders’ meeting held in Omaha. Buffett, now 94, has confirmed that Greg Abel will take over as his successor. Abel has worked closely with Buffett for years and was already seen as the natural choice to lead the company forward. This announcement didn’t come as a shock to industry experts, but it certainly marks the end of an era. Buffett has served as…

Many working professionals in India think about retiring early, especially after a long or stressful day at work. The idea of enjoying a peaceful life by 50 or even 45 sounds great. But the truth is, retiring early is not just about quitting your job—it’s about managing money smartly for the next 30–40 years. If you’re in your early 30s and dream of stepping away from work by age 50, you still have time to make this dream a reality. But you need a strong financial plan to support it. Let’s understand how much you need, what steps to follow,…

Digital payments through UPI (Unified Payments Interface) have become a big part of everyday life in India. But with the ease of sending money quickly comes the risk of sending it to the wrong UPI ID. A small typing mistake can lead to a major headache. However, if you act fast and follow the right process, you can still recover your money. Take These Steps Immediately After Sending Money to the Wrong UPI The moment you realise that the money has gone to the wrong UPI address, do not panic. First, take a screenshot of the transaction. This acts as…

Online scams and identity theft are increasing every day. One of the most targeted documents by fraudsters is your Aadhaar card. From mobile connections to banking services, Aadhaar is used everywhere. If it falls into the wrong hands, you could face serious problems, including legal issues or fraud in your name. But the good news is, you can easily check if someone is misusing your Aadhaar. The UIDAI (Unique Identification Authority of India) provides a free and simple online service that helps you stay aware and alert. Why Aadhaar Misuse Is a Serious Concern Today Aadhaar is now linked to…

When it comes to safe investments, most Indian families rely heavily on Fixed Deposits (FDs). But in recent years, especially with changing tax rules and market awareness, many investors are shifting towards Debt Mutual Funds as an alternative. Both offer relatively low risk, but they work differently. This article gives you a detailed, honest comparison of FD vs Debt Funds for 2025, focusing on returns, liquidity, taxation, safety, and suitability for different goals. What Are Fixed Deposits? Fixed Deposits (FDs) are time-bound investment products offered by banks and NBFCs. You invest a lump sum for a fixed period, and the…

Most salaried employees in India receive group health insurance coverage from their employers. It feels like a bonus—one less thing to worry about. But here’s a critical question: Is it wise to depend only on your company’s group health insurance? The simple answer is no. While group health policies offer a layer of protection, they are not enough in the long run. Life changes, and so do jobs, employers, and health conditions. You need coverage that is stable, customisable, and stays with you. That’s where individual health insurance comes in. In this article, we’ll explain in clear and straightforward terms…

Medical costs in India are rising faster than most people’s income. A single hospital bill for surgery, ICU, or maternity care can leave families with empty savings or in debt. That’s why buying the right health insurance plan for your family is no longer a luxury—it’s a must. If you are confused by too many health policy ads and can’t decide which plan is good, don’t worry. This practical and straightforward guide will help you understand how to choose the best health insurance for your family without any stress or confusion. 🩺 Understand Your Family’s Health Needs First Before looking…