Author: Naresh Saini

Imagine waking up at 40–50 years old, free from the daily grind, living life on your terms. It’s a dream many share, but few achieve, mainly because early retirement requires more than wishful thinking. It needs solid financial planning, smart investing, and disciplined habits. Here are 7 easy-to-follow steps to guide you toward retiring before 60 in India. 1. Decide Your Retirement Goal Clearly Before you begin saving, you need to define where you want to go: A clear goal gives you direction and purpose. 2. Save Strategically, Not Just Randomly Saving isn’t enough; your money must grow steadily: 3.…

If you think fixed deposits (FDs) are the safest way to grow your savings, you may not be fully aware of the smarter options available today. The Post Office of India offers a range of investment schemes that are just as secure as FD but offer higher returns along with tax benefits. These schemes come with full government backing, making them not only trustworthy but also financially rewarding. Here’s a look at five such schemes that can help your money grow better than traditional FDs. 1. Post Office Time Deposit (TD) This scheme works just like a bank FD but…

Retirement should bring peace, not financial stress. But with rising inflation, medical bills, and longer lifespans, just depending on a pension or savings is not enough. You need smart, low-risk investments that give stable income and protect your money. Let’s explore six such investment options that are simple, safe, and suitable for every Indian planning for life after 60. 1. National Pension System (NPS) and Atal Pension Yojana (APY) Government-backed retirement schemes are always trusted by investors. The National Pension System (NPS) lets you build a large retirement corpus. You can withdraw 60% of your investment on retirement and get…

If you want to grow your money without risk, the National Savings Certificate (NSC) can be a smart and simple option. Backed by the Indian government, this scheme gives fixed returns and tax benefits. It’s best suited for people who want stable earnings without taking any market risks. At present, the NSC offers 7.7% interest per annum, and the investment is locked in for five years. The interest is compounded annually but paid at the time of maturity. Let’s understand what makes NSC a good choice and who can benefit from it. Who Can Invest in NSC? You can buy…

If you’re excited about a European trip, booking flights and hotels is just the beginning. You also need solid travel insurance. It may not sound exciting, but it can save you lakhs if something goes wrong, like visa rejection, a flight getting cancelled, or health issues abroad. Many travellers face losses simply because they skip this step. Let’s understand how travel insurance helps and what type of cover you need when visiting Europe. Visa Got Rejected? You Can Still Recover Your Money A major reason to buy travel insurance before applying for a Europe visa is this: your visa can…

If you want to retire early with a strong financial backup, the Public Provident Fund (PPF) can help you achieve that goal. By investing regularly from the age of 28, you can retire at 53 with a corpus of over Rs.1 crore, which can also generate a monthly income of Rs.60,000 without any tax burden. This long-term government savings scheme is especially popular among salaried individuals because it offers guaranteed returns, tax benefits, and the option to extend investment after maturity. Let’s understand how PPF can support early retirement. Why PPF Is a Smart Investment from Age 28 Most people…

In the world of finance, most people try to chase short-term profits, buying and selling based on news, trends, and emotions. But smart investors know one important secret — the biggest returns come to those who stay invested with patience and consistency. You don’t have to be a market expert to grow your wealth. You just need to invest regularly, stay committed, and give your money time to work for you. Let’s understand why staying invested is more powerful than timing the market and how it helps build real financial freedom over the long term. Power of Compounding: Small Steps,…

The recent tragic crash of Air India’s Boeing 787 Dreamliner near Ahmedabad may become the costliest aviation insurance case in Indian history. As per early estimates, the total insurance claim may go over $120 million (Rs.1000 crore), making it a record-breaking claim in the Indian aviation sector. This crash involved Air India flight AI-171, which had 241 people on board, including many high-profile international passengers. Sadly, all passengers and crew members lost their lives, along with several people on the ground. Aircraft Loss and Passenger Compensation Will Push Claim Higher Breakdown of Estimated Payout: In this case, the entire aircraft…

The Central Government has introduced a new pension plan for its employees, known as the Unified Pension Scheme (UPS). This comes as an alternative to the National Pension System (NPS). While the NPS has already in use for years, the UPS brings a mix of fixed pension benefits, family support, partial withdrawals, and most importantly, inflation protection through Dearness Relief (DR). Employees under the central government now have to decide whether they want to continue with NPS or shift to UPS. This choice must be made before the end of June 2025. The government implemented the UPS scheme officially from…

A lot of salaried people see some amount being deducted from their salary every month in the name of NPS but don’t know exactly where it goes or how to check the balance. If you also wonder how to see your NPS (National Pension System) account details, then you are not alone. NPS is a government pension scheme created to help you save for your old age. The money deducted every month from your salary is deposited in your NPS account, which earns returns over time based on the market. The good part is, this money builds up slowly and…