Retirement Planning

Building a retirement corpus and planning post-retirement income.

The SCSS interest rate stays at 8.2% for the July–September 2026 quarter, and a set of rules effective 1 July 2026 makes it important for retirees to understand exactly how this scheme works before committing funds.
The government has notified the Employees’ Provident Fund Scheme, 2026, replacing the seven-decade-old EPF Scheme of 1952. Here’s a plain-language look at what has actually changed — and what hasn’t.
If you’re a salaried professional contributing to EPF every month, you’ve probably heard the term “EPS-95” more times than you can count. On June 29, 2026, that scheme was formally retired — the Ministry of Labour and Employment notified the Employees’ Pension Scheme, 2026 (EPS-2026), the biggest overhaul of India’s private-sector pension framework in three decades. Here’s what actually changes, what stays the same, and how it fits alongside NPS in your retirement planning.
If you have built your retirement corpus through NPS, one question has always loomed large at age 60 — what now? For years, the answer was binary: take 60% as a lumpsum, buy an annuity with the remaining 40%, and hope the math works out. PFRDA has just opened a third door.
If you’ve been hesitant about the National Pension System (NPS) because of stories about “locked-in money” or “forced annuities,” it’s time for a fresh look.
The National Pension System (NPS) has just undergone its most significant transformation in a decade. On December 15, 2025, the Pension Fund Regulatory and Development Authority (PFRDA) officially notified the NPS Amendment Regulations 2025, fundamentally reshaping how subscribers access their retirement corpus.
The National Pension System (NPS) Corporate Model is one of India’s most tax-efficient retirement solutions. Yet, many companies hesitate to adopt it due to misinformation and myths.
Introduced in 2025, the Unified Pension Scheme (UPS) represents a transformative shift for central government employees under the National Pension System (NPS).
Multiple of Initial Capital (MOIC) is a financial metric that quantifies the return on investment (ROI) of a venture, such as a startup, private equity fund, or real estate project. It’s a simple yet powerful tool that helps investors assess the profitability and success of their investments.
Retirement planning can seem like a daunting task. With so many variables to consider, finding the right strategy to ensure long-term financial stability is essential. William Bengen, a well-known figure in retirement research, introduced the Layer Cake concept—a powerful and flexible approach to structuring retirement income. Let’s explore this concept in depth and understand how it can improve retirement planning.
Investing early for your child’s future can provide them with a significant financial head start. India offers several investment options tailored for children, each with its unique benefits and drawbacks. This article compares some of the most popular options: Mutual Funds), PPF, Insurance, Sukanya Samrudhi Yojana, and NPS Vatsalya.
Today, Union Finance Minister Smt. Nirmala Sitharaman officially launched NPS Vatsalya in New Delhi. She had previously announced this new scheme during her 2024 budget speech.

NPS Vatsalya is a special program under the National Pension System (NPS) designed specifically for children in India. Let’s explore what this scheme is all about.
The Indian government recently announced the Unified Pension Scheme (UPS), a new retirement plan for its employees. While the finer details are still being ironed out, it’s a good time to compare it with the existing National Pension System (NPS) and see how they stack up.
Planning for retirement might seem like a distant concern, but the reality is, it arrives sooner than we expect. Corporate NPS (National Pension System) is an initiative designed to help you, the employee, build a secure and independent future. Let’s delve into how Corporate NPS empowers you and why you should consider registering.
Retirement. A time for relaxation, travel, and finally pursuing those passions you put on hold. But what about the financial side? Will your savings be enough to sustain your desired lifestyle? This is where annuities come in, offering a potential solution for a steady stream of income throughout your golden years.
The trailer for the upcoming Marathi film “Juna Furniture (जुनं फर्निचर)” has recently been circulating on WhatsApp groups. It sheds light on a sensitive and increasingly common issue in India: the struggles faced by elderly parents due to a lack of financial security and inadequate support from their children.
The National Pension System NPS has become a popular option for long-term savings, especially for those seeking a tax-efficient way to build their retirement corpus. But how has NPS performed in last decade? Let’s delve into the data and see how it stacks up.
Determining if retirement income will be sufficient involves considering various factors to ensure financial stability and comfort during retirement.
Retirement is a significant milestone in everyone’s life. It is a time when you can finally relax and enjoy the fruits of your labour. However, retirement planning is often overlooked or put off until it’s too late. Planning for retirement is essential as it ensures that you have the financial resources to live comfortably after you retire.

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