Perils of retiring at 45 His goals include retirement by 45, after which he would pursue his passion for golf, travel and music.
While an occasional big expense is fine, it is important to maintain a lifestyle that leaves enough surplus to invest and save.
You need not compromise on your lifestyle spends. Just avoid impulsive buys and plan for big-ticket purchases in advance
Choose schemes correctly, and with a historical record. The rest is easy...
The value of money will continue to be hit by inflation. The only way to counter it is by having investments that give better returns.
A good financial advisor costs money. But he takes the responsibility of ensuring your financial stability.
Financial services and products are rarely evaluated rationally and thoroughly before a decision is taken
Invest in the right instruments to ensure that disabled family members do not face any financial crunch.
Most investors have this uncanny habit of going the whole hog. That is, when they are buying equities, they put most of their savings in them. But as soon as the tide turns, they rush to debt.
In the last one year, liquid funds have returned between 7.7 per cent and 8.85 per cent. Liquid-plus funds, on the other hand, have slightly higher returns between 8.4 and 11.29 per cent. Obviously, that makes them a better choice as against money earning a dismal 3-3.5 per cent in your savings account.
Endowment policies give better returns than most fixed income products in the long run.
Invest in an NFO to meet your needs, and not because it sounds cheap.
Financial Planner Suresh Sadagopan chalks out a financial plan for Business Standard reader Rahul Lad.
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