Author: Naresh Saini

For most private sector employees, retirement planning depends a lot on the Employees’ Provident Fund (EPF) and Employees’ Pension Scheme (EPS). While EPF is often discussed, many people are still confused about how EPS works and how much monthly pension they will receive after retirement. In this article, we explain in very simple language how you can calculate your monthly pension under EPS, what the eligibility rules are, and how your years of service and salary affect your pension amount. This is especially useful for those doing private jobs and looking for financial stability in their old age. What Is…

Warren Buffett is one of the most respected investors in the world. His success is not just about being lucky or investing early in big companies—it’s about having a clear understanding of what he knows and what he doesn’t. One of his most powerful ideas is the “Circle of Competence”. This rule is simple but powerful: Invest only in what you understand. In India, where startup culture is booming and more and more people are trying their luck in the stock market, this idea is more important than ever. With new startups launching every week, many investors are jumping in…

In today’s world, retirement doesn’t mean the end of financial responsibilities. With people living longer and healthcare expenses increasing, it is important to plan properly for life after retirement. Especially for private sector employees where pension is not guaranteed, creating a steady monthly income becomes very important after 60. With smart investments across mutual funds, annuities, fixed deposits, and government savings schemes, anyone can set up a regular income system that works like a monthly salary. Let’s understand how a good mix of financial tools can help you stay financially independent in your golden years. Longer Life, Bigger Responsibilities: Why…

In Uttar Pradesh, the CM Yuva Udyami Yojana has become a successful support system for young people wanting to become self-employed. Thousands of youth have already used the scheme to launch their small businesses. Now, under the second phase, the government is giving even more support by offering a loan of up to ₹7.5 lakh with 50% interest subsidy—and that too without any guarantee. Let’s break down how you can get this second loan, what conditions you must meet, and how much benefit you can expect. Who Can Apply for the ₹7.5 Lakh Loan? To be eligible for this second…

When it comes to mutual fund investing, two popular routes are Systematic Investment Plans (SIPs) and lumpsum investments. While both can help in wealth creation over the long term, the way they work and the benefits they offer are quite different. Investors are often confused about which strategy will give better returns and more convenience based on their financial goals. Let us break down the difference between SIP and lumpsum investments and find out which can give better returns, lesser risk, and more benefits when you invest a fixed amount like Rs 10,000. What is a Systematic Investment Plan (SIP)?…

In India, gold is not just a metal. It is an emotion. From festivals to weddings, we Indians have always had a strong attachment to gold. It stands for wealth, safety, and tradition. But now, the way people invest in gold is changing. Earlier, people used to buy gold jewelry, coins, or bars. But today, many investors are looking at a smarter, safer, and more convenient option – Gold ETFs (Exchange Traded Funds). The big question is – has Gold ETF given better returns than physical gold over the long term? Let’s understand this with real data. What Is a…

क्या आप अपने भविष्य के लिए एक सुरक्षित और मोटा निवेश चाहते हैं? अगर हां, तो पब्लिक प्रोविडेंट फंड (PPF) आपके लिए एक शानदार विकल्प हो सकता है। यह सरकारी योजना न केवल आपको टैक्स बचत देती है, बल्कि लंबी अवधि में बड़ा फंड बनाने का भी मौका प्रदान करती है। क्या आप जानते हैं कि केवल 1.5 लाख रुपये सालाना निवेश करके आप 1.5 करोड़ रुपये तक का फंड बना सकते हैं? जी हां, यह संभव है अगर आप PPF की एक्सटेंशन सुविधा का सही इस्तेमाल करें। इस लेख में हम आपको बताएंगे कि PPF में निवेश कैसे आपके सपनों को…

The rollout of the Ayushman Vay Vandana Card under the Ayushman Bharat Yojana in Delhi has brought some confusion to people already having private health insurance. Many families like Mahesh’s, who already bought health insurance for their elderly parents, are wondering if they should keep it or cancel it now that free treatment is being offered by the government. Let’s break it down simply so everyone, especially senior citizens and their families, can understand how both can work together. Already Have Health Insurance? You Can Still Get Ayushman Benefits The good news is — senior citizens above 70 can get…

Planning for retirement is not just about saving money; it’s about making your money work smarter. With the rising cost of living, healthcare, and a longer life expectancy, Indians are becoming increasingly conscious about creating a reliable retirement corpus. Among the many government-backed saving schemes, two of the most popular are the Public Provident Fund (PPF) and the Senior Citizens Saving Scheme (SCSS). But the question remains—which one is better for your retirement planning? To make a well-informed choice, you need to understand how these schemes work, their benefits, limitations, and how they align with your retirement goals. Let’s dive…

In today’s fast-paced digital age, your PAN card is more than just a document for income tax—it’s become one of the most misused tools in bank-related identity fraud. If you think your PAN is just used for filing returns or opening a bank account, it’s time to think again. With increasing reports of PAN card-related frauds in India, where innocent people suddenly find out that multiple bank accounts or loans have been opened in their name, it is important to understand how this happens and how you can protect yourself. This article will take a deep dive into how PAN…