While investments are typically reviewed annually, risk cover is often left unchanged for years.
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.
This exercise allows investors to realign their portfolios with changing market conditions and evolving personal objectives.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
If you work for 30 years, a two per cent difference in pension returns can reduce your final retirement nest egg by 40 per cent. The Rs 9-trillion National Pension System (NPS) seems to be delivering incrementally higher returns than the twice-as-large Employees' Provident Fund Organisation (EPFO), shows a Business Standard analysis of data over the last seven years for the two retirement fund bodies. An investor who put in Rs 100 in retirement savings seven years ago would have seen her NPS nest egg grow to Rs 182 by 2023, according to the analysis based on the Pension Fund Regulatory and Development Authority's recently released Handbook of National Pension System Statistics 2023.
Retirement fund body EPFO has extended the deadline for filing EPF return or ECR (electronic challan-cum-return) by one week for the wage month of September till October 22, 2025. The employers are mandated to file the ECR by the 15th of every month.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Often criticised for offering less attractive interest rates than banks for most of the last five years, retirement fund manager EPFO hiked the annual rate of returns on employee provident funds to 9.5 per cent in 2010 and this time around, the banks were left behind.
Usually, in the western view, corporate success is attributed to efficiency, organisational structure, and scale. R Gopalakrishnan and Harish Bhat argue that philosophy, culture, and the transmission of values are more important for sustaining growth and profitability of an enterprise over a period of time.
Cyber fraudsters posing as ED and CBI officials duped a retired banker in Delhi of Rs 23 crore by allegedly putting him under 'digital arrest' for nearly a month.
By scrimping and saving your whole life for retirement, you need to make sure those funds are kept safe for your future needs. Here are a few tips on how to protect your retirement funds
Retail investors are moving away from a buy-and-hold approach and towards more informed short-term positioning, recent investment patterns show.
The highest number of requests was reported for the purchase or construction of residential houses, which stood at 172,625, of which 155,236 were settled, involving an amount of Rs 1,327.91 crore partial withdrawals under the National Pension System (NPS) in FY 2024-25, according to data from the Pension Fund Regulatory and Development Authority (PFRDA) annual report released this month.
Systematic Investment Plan (SIP) and Systematic Withdrawal Plan (SWP) are very crucial. Here, we will help you understand how these tools can pave the way for a stress-free retirement.
Sports Governance Act: Tier System for Athletes, Convicted Ineligible
Coforge's planned $2.35 billion all-stock acquisition of US-based Encora has divided the Street, with a few brokerages terming it a "strategically positive" but execution-heavy bet while others raising valuation concerns.
If all goes well, the new season of ISL may start in the first week of February.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
The Employees' Provident Fund Organisation (EPFO) board has approved liberalised part withdrawals for subscribers, allowing up to 100 per cent EPF withdrawal, and rolled out the 'Vishwas Scheme' to reduce litigation through rationalised penal damages.
Between the new schemes and existing pension funds from mutual fund houses, the latter seems like a better option for conservative investors
Investors who constantly hop between 'top-performing' funds often end up earning far lower returns than the very funds they invest in -- simply because they enter late and exit early. Best investors don't chase returns, they chase discipline, says Ramalingam Kalirajan.
The RBI advisory follows a labour ministry request earlier this year seeking the central bank's expertise to identify gaps in EPFO's investment strategy and fund management practices, including accounting, risk management, and internal governance.
Those who have long retirement horizons of 15 to 20 years and seek higher long-term returns may opt for MSF. Investors nearing retirement (under 10 years) or those with low risk tolerance should stay away.
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
'Companies will need to revisit compensation structures, contracts, staffing models, and human resources system.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
When the market is down, you can buy more units, which offers you the rupee cost averaging. But the question here is, with so many options available in the market, which one should you choose? Keep reading to get the answer.
A 10-part series that explains all you want to know about how India's EPF turns a slice of your monthly salary into long-term savings, pension, and life insurance.
'If at all human beings require a religion, the future religion will be Hinduism.'
EPFO has simplified PF withdrawals -- fewer rules, faster access, and more flexibility -- while introducing safeguards that make it harder to drain your retirement savings too early.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
The reduction in goods & services tax (GST) on individual life and health insurance premiums has been called a "landmark step" for making insurance affordable and inclusive. In a panel discussion at the Business Standard BFSI Insight Summit 2025, Anup Bagchi, managing director (MD) & chief executive officer (CEO) of ICICI Prudential Life Insurance; Mahesh Balasubramanian, MD & CEO of Kotak Life Insurance; Tarun Chugh, MD & CEO of Bajaj Life Insurance; and Ratnakar Patnaik, MD of Life Insurance Corporation of India (LIC), listed what else the industry needs to reach more people.
Let's decode how EPS works, who qualifies, and how pensions are calculated, using simple examples for different salary levels.
'If all of us (all the 57 Shiv Sena MLAs) stand together we can change the dynamic. We are not afraid of anyone.'
SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
When and how you can access EPF money before retirement without jeopardising your long-term retirement savings.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Who pays what into EPF, EPS, and EDLI -- the 12% math explained.
© 2026 Rediff.com - Investor Information - Advertise with us - Disclaimer - Privacy Policy - Sitemap - Feedback - About us - Terms of use - Grievances