Many fresh pass-outs of the CFP course are faced with up to a two-year delay and thousands of rupees in fees for realisation of their dream, following the notification of new regulations. Sebi notified the Investment Advisers Regulations, 2013, earlier this month.
Look for one with the right mix of qualification, experience, ethics knowledge, and communication skills
A good planner will take the role of a family doctor.
Urban Indian millennials are caught in an algorithmically amplified consumption spiral where social media normalises spending patterns that systematically undermine retirement security.
Retirement planning is not a test of how smart you are; it is a test of how well you control your behaviour.
Understanding the most common mistakes during market downturns can help you protect your investments and stay focused on your long-term financial goals, says Ramalingam Kalirajan
If you do not insulate your retirement corpus from the true cost of modern critical care, you don't have a retirement plan -- you have a fragile strategy waiting for an expensive medical emergency to break it
Interest cost variation can also be a burden when planning for higher studies
Too many EMIs draining your salary? Ramalingam Kalirajan explains the safe borrowing limit that protects your income from a dangerous debt trap.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
A simple SIP-first approach can help reduce debt, avoid EMIs and build lasting financial freedom through disciplined spending, advises Ramalingam Kalirajan
An employee whose financial future is 60-80 per cent dependent on a single company's growth trajectory has no genuine safety net.
Your children may always love you but should you expect them to to finance your retirement in today's economy?
'Healthcare costs in India rise by 10 to 14% annually, causing treatment costs to double roughly every 5-7 years.'
If you have ever said 'I'll sort retirement later,' now is when 'later' begins.
Behind the aesthetics of an entrepreneurial lifestyle lies a silent financial crisis that nobody is talking about: Freelancers are sprinting toward a retirement brick wall.
Start SIPs early, increase investments steadily, and let compounding beat inflation to secure retirement wealth, says Ramalingam Kalirajan
Disciplined investors who ignore short-term fear build significant long-term wealth, notes Ramalingam Kalirajan
Rising income feels like success but unchecked lifestyle inflation traps urban professionals into financing a more expensive version of living paycheck-to-paycheck -- buying material upgrades instead of true future financial freedom.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
History is rarely decided by who has the biggest weapons, but by who has the better process. The same rule applies to investing, says Ramalingam Kalirajan.
Start your journey to financial freedom today. Ask your questions and let our experts show you the way to a secure and prosperous future.
Retiring at 50 is not unrealistic. It simply requires: Discipline + Long-Term Vision + Compounding
Understanding severance pay isn't just for those who are losing their jobs
A systematic withdrawal plan doesn't drain wealth, poor planning does. Ramalingam Kalirajan explains the truth behind systematic withdrawal plans
Sometimes, the most powerful Budgets whisper and the wisest investors listen, notes Ramalingam Kalirajan.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
In modern investing, transparency is more valuable than zero fees and not all investing app score big on this front, says Ramalingam Kalirajan.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
Wouldn't it be better to reach 45 with a backup engine of passive income that helps you glide through these years instead of grinding, asks Ramalingam Kalirajan
EMI means you've already spent tomorrow's income; SIP means you're investing today's income to secure tomorrow, explains Ramalingam Kalirajan
: Build lasting wealth via disciplined, long-term mutual fund investing in India's compounding marathon, Shanaihi, Shanaihi, says Ramalingam Kalirajan
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
From a modest salary to Rs 1 crore, here's Ramalingam Kalirajan's smart compounding blueprint for young earners
With duties at 15%, GST at 3%, and making charges running as high as 20% -- the gap between a smart purchase and a careless one can easily be Rs 30,000 to Rs 50,000 on every Rs 1 lakh invested. And most of that gap is entirely avoidable. Ramalingam Kalirajan explains the math.
Your AMC shuts shop. Panic? Wait. What happens next isn't what most fear.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
The ultra-rich invest differently -- embracing growth, compounding, and long-term clarity to build wealth with purpose and discipline, explains Ramalingam Kalirajan.
