Monthly Archive: July 2013

Jul 28

Use surplus income to pre-close home loan

I am 30 years old and work at a company. My wife, 27, is also employed. We have a 1-year-old son. My mother is dependent on me. My contribution towards EPF including the voluntary contribution is 23 per cent. Please let me know the investments that I need to make to reach all my goals. …

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Jul 22

Latest financial planning article in The Hindu Business Line

financial planning

  I am 60 and have retired. My wife, a homemaker, is 54 I have a 27-year-old son who earns Rs 50,000 per month. We do not want to be dependent on our son’s income . I do not get any pension. I have a fixed deposit with monthly interest option. I recently paid the …

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Jul 19

How to Retire Comfortably

Many men and women today are living well into their 90s and enjoying a good life. Unfortunately, most senior-citizens don’t plan for the 30-plus years that they are going to spend as retirees. In fact, this is often the least of all their priorities. For most Indians, all financial planning ends once their children get …

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Jul 16

My latest article in The Hindu Business Line

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  I am 36 and work at a private sector company. My wife is also 36. We have a 6-year-old son. I withdrew Rs 8 lakh from my EPF balance to buy my first property. I expect to live till 70. My family’s health history has been good, but my father passed away at an …

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Jul 08

My latest article in The Hindu Business Line

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  I am 41, employed in the IT sector. My wife, 37, is a homemaker. I have two sons, aged 11 and 3 years. My parents stay with me, but are financially independent. After meeting my expenses and investment commitments, I have a good surplus, which but generally leave it idle in my savings bank …

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Jul 01

Six Things To Do When You Get a Job

You’re in your early 20s. You’ve just finished college and have started working in a job. Money! Your own money! It’s tempting to blow up your salary on a fancy motorcycle or scooter, expensive clothes, watches, phones, jewellery and parties. Sure, satisfy these desires, but to a limited extent. You’re not a sanyasi! Early in …

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