Retirement Planning: Articles, Information & News

A good pension plan offers:...

Life expectancy has increased and it is imperative that you ensure financial security when you retire. Things to consider before planning retirement:...

In India, parents take several measures to invest in their children’s future. This may sometimes result in overlooking their own. What parents need here is strategic planning of their finances so that they can invest in their child’s future as wel...

The retirement years can be a wonderful period in life when planned properly. You can sit back, relax, travel, rest and do whatever you want with all the free time you have. But all this is possible only if you invest smart ensuring that you maint...

Two major things to consider when considering the types of insurance available to you:...

As you begin to think about your retirement planning, take the time to consider some important questions....

Life insurance is often misconceived as a product suitable only for the working population. This couldn’t be farther from the truth. As you can deduct from the purpose that life insurance serves, even retired life can bring with it the need for th...

Building a retirement nest is easy if you use your pre-retirement years well. We share 5 tips.. It is every person’s dream to have a peaceful retirement. After working hard all our lives, we want tranquility and freedom from financial pressures. ...

6 things you may not know about early retirement, but need to...

-    To maintain your current lifestyle. -    To ensure that you do not run out of basic resources at any point. -    To possibly indulge in a few luxuries like that vacation you had been postponing b...

Even the benefits of the government-backed provident funds and pension schemes are typically not enough to generate a substantial retirement income, leaving most Indians to fend-off the later years on their own. Moreover, with rising life expectan...

What is asset allocation and how does it differ from person to person?...

Set your priorities. Figuring out what you’d like to do and how you’d like to do it would be a good place to get started. Would you like to stick close to family, or would you like to have your personal space and move into a beautiful and peacefu...

Everyone dreams of that perfect retirement. A time when all duties and responsibilities have been met with and, it’s time to stretch your legs and relax to life’s hard work and success. But retirement can also be plagued by health concerns and fin...

What are pension plans?. A retirement pension plan allows you to allocate a portion of money for a period and accumulates it until a pre-decided period of time. All you have to manage to do is set aside this sum of money on a regular basis from y...

You can’t rely only on Provident Fund for retirement. Here’s why.

When you’re in the prime of life, you don’t think about retirement because it is so far in the future. But eventually you must start planning for it and most importantly, ...

Here are a few tips to keep in mind when you plan for your retirement:...

Retirement planning will provide you with several benefits:...

Here is why you might need a pension calculator when planning your future:...

With your working years spent in the office trying to secure yourself financially well enough to fulfil your goals, retirement can often open up many unexplored horizons in your life. After the initial excitement of being retired wears off, the ne...

Let us a look at why life insurance is essential after retirement....

So we bring you a fun checklist of things you could do to prepare holistically for your retirement....

For most of us, a fundamental aspect while planning our retirement investments is to ensure that our retirement savings provide enough income for our loved ones’ needs and sustain our lifestyle. We also try and allocate our funds in a manner to sa...

Retirement Calculators are designed to tell you the adequate amount of savings that you should make periodically, so that by the time you retire, you will have sufficient funds in your savings account to fund your own retirement life as you see fi...

Indians have warmed up to the idea of retirement in the past decade or so. Today, many individuals opt for a voluntary retirement to pursue other interests and lead a relaxed phase in the autumn of their lives. Sounds rosy, isn’t it?...

While a good pension plan takes care of your future goals, don’t wait until your retirement to have a memorable vacation. Instead, create memories for your retirement. Here are six places that you should visit before you retire. Why? Because these...

Creating a will, taking out a life insurance policy, and naming beneficiaries for your 401(k) are all part of creating a sound estate and legacy plan, regardless of age or total wealth. While the phrase ‘estate plan' may sound like it's ...

How does one picture retirement? A nice long vacation? Not bothering about answering work-related calls? Sipping on your favourite beverage by a swimming pool? These are all pretty pictures, ones you think about with enthusiasm. But that enthusias...

The word retirement usually denotes an event that may be far off in the future and something most young professionals think of as a distant dream. What needs to be understood by the young working men and women is that the inevitable retirement per...

We get it; thinking about yourself in the future can be a difficult and even abstract concept. Many of us would rather think about ways to enjoy our hard-earned money today or, better yet, how we will use that money to pay for the biggest moments ...

A pension plan is a useful savings tool during your employment years that helps accumulate a fund for your retirement. An investment in a pension plan will help you pay all your expenses and manage a financially comfortable and peaceful life in th...

ज्यादातर बीमा कंपनीयाँ अपनी बीमा पॉलिसियों को और कुछ पेंशन प्लान योजनाओं को अलग-अलग नाम व शर्तों के आधार पर बेचते हैं। इसे कई बार आम आदमी के लिए समझना बेहद ही मुश्किल हो जाता है, जिस कारण अक्सर वह मिस सेलिंग के शिकार हो जाता है।...

Imagine yourself exploring places around the world or relaxing at a retirement home far away from the city while receiving regular income without having to work! Sounds great, doesn’t it?...

A successful retirement is attributed to financial independence, and a well-defined retirement plan can help you achieve this goal. Retirement planning requires a good amount of personal research, knowledge about the different options available an...

Retirement is a time of leisure, relaxation, peace, and calm. You no longer have to worry about work commitments or office deadlines. You can finally enjoy life at your desired pace and spend time doing the things you love. However, in order to do...

Gone are the days when people waited until the age of 60 years to retire from their professional lives. People no longer want to spend their years in an office and are opting for early retirement in their 40s and 50s. The current generation prefer...

Retirement planning is a step-by-step process that develops with time. You need to create a financial cushion to fund a comfortable, secure, and fun retirement. The interesting part is determining how to get there. Keep reading to know more about ...

After working hard your entire life and prioritizing your loved ones, there comes a time when you need to do the same for yourself. In the golden years of life, your potential to work might not be the same. You might feel like travelling the world...

When you think about your life in your 40s, what do you envision? Do you think you will continue to work passionately, or do you want to be free from the routine of working 9 to 5? Do you want to keep supporting your family or want to earmark some...

When your career is at its peak, financial planning for retirement might not cross your mind. After all, you are in the pink of health, your career is going upward, and everything is well in general. But as soon as you are in your late 40s, the fa...

When you are in your 20s and 30s, especially at the peak of young adulthood, it can seem weird to fast-forward and think about retirement. Retirement can seem far-off for those in their 50s and 60s to worry about, especially at the start of your c...

An annuity is a financial product, a contract between you and the insurance company. It provides you with guaranteed income for the rest of your life. You pay an amount to the insurance company at regular intervals, and they ensure a steady income...

After a long work life, everyone wants to feel financially secure in retirement. To ensure this, you must take certain initiatives before you reach that phase. This is why it is important to start retirement planning from your younger days so that...

Financial planning effectively covers retirement plans and helps individuals maintain an independent and comfortable lifestyle after their work tenure. The primary objective of a retirement plan is having a guaranteed and steady income, especially...

An annuity plan is an instrument that ensures a guaranteed monthly payment in exchange for a lump sum amount or instalment. It is a contract between the policyholder and the insurance company where the insurer promises to pay regular payments imme...

What is Money Back Insurance Policy

Money back insurance policy is a special form of life insurance policy where the insured receives a part of the sum assured as a regular installment rather than receiving a lump sum at the end of the p...

Investing money for your old age is one of the wisest decisions you can ever make. For starters, investment planning for retirement will provide you with the peace of mind that you are financially secure when you are no longer of working age. Addi...

Retirement planning involves four distinct stages and knowing what they entail will ensure you’re saving enough for your golden years. Identifying the retirement phases and implementing the strategies recommended for each stage helps you to budget...

Since there are very few certainties in life, it’s crucial for us as human beings to take the necessary steps to secure our financial futures. One of the top ways to do this is to invest in lucrative retirement planning. If you’ve recently started...

Planning for your retirement years is important when you’re no longer receiving a salary or another source of regular income. Having financial security is vital for your golden years especially if you have dreams to fulfill. Keep reading to find o...

Proper retirement planning includes identifying monthly income sources once your regular cash flow stops when you reach your golden years. Meeting your needs and matching your current lifestyle after you retire is possible if you take advantage of...

Planning for retirement may not be on every young person’s to-do list. However, as the years go by, you’ll realize that it should be a high priority in your life. The main reason for this is that a sizeable pension fund allows you to preserve your...

Many people look forward to retirement. It’s the time in your life when you can finally change pace and not be bothered with work deadlines and stresses. You’ll also be able to start doing the various hobbies and other activities that you’ve been ...

Retirement planning is a crucial aspect of individuals' financial management, and Single Premium Pension Plans offer a straightforward yet effective approach. They provide an easy solution for those looking to convert a lump sum into a reliable so...

Many people aspire to become a Crorepati someday. They feel that a savings corpus of ₹1 crore, 5 crore, or 10 crores will secure them financially....

Have you planned for your retirement?

Securing your future in today’s uncertain times is crucial. An annuity plan provides a future payout in regular installments. It ensures your life after retirement is stress-free and financially secu...

There are many options for individuals planning retirement. One of the financial instruments that helps you plan your retirement effectively and avoid any financial setbacks during the golden years is an annuity. An annuity plan is a type of insur...

Planning for retirement might seem overwhelming, but it's never too early—or too late—to start. With the right guidance, you can take steps to ensure a comfortable and secure retirement. At PNB MetLife, we understand the importance of planning ahe...

Retirement is a time to relax and enjoy the fruits of a lifetime of work. But to truly make the most of your golden years, planning ahead is crucial, especially regarding finances. "How much retirement money do I need?" is the question o...

There are several investment options, such as ULIP and FD, available in the market to fulfil your financial goals. But what about your post-retirement life or when you do not have a salary or regular income?...

Planning for retirement is one of the most important financial decisions you'll make. At our insurance company, we understand that navigating the various pension schemes in India can seem overwhelming. That's why we've created this guide to help y...

What is Pension Plan and How it Works

A pension plan is a financial arrangement designed to provide income to individuals after they retire from work. It is typically funded by contributions from the employer, the employee, or both, over...

The best way to ensure financial stability and peace of mind during your later years is to have effective retirement planning. Investing in a Voluntary Retirement Scheme (VRS) can be an effective way to achieve this goal....

Meaning and Importance

What Is Retirement Plan?

A retirement plan is a financial arrangement that individuals contribute to during their working years to provide income and financial stability after they retire from active empl...

Annuity plans prove to be an effective financial tool for those who are willing to plan for retirement. After retirement, a person enjoys a continuous income flow without any break, which keeps their life financially secure even in its old age. Pr...

A deferred annuity is among the most important and trusted financial tools when discussing retirement plans or securing future income. But what exactly does it mean, and what sets it apart from the numerous other options? In this blog, we'll discu...

Planning for retirement can be no easy walk for anyone, but those in self-employment seem to face the task more exclusively. Self-employed persons can't enjoy employer-sponsored plans for retirement, meaning their retirement strategy has to come f...

Who doesn't want to live a life comfortably even after retirement? Well, we all want some money saved for our retirement to be used for a decent lifestyle. The Indian Government in 1995 introduced a monthly pension plan for workers- EPS (Employee ...

A well-planned pension fund helps you save money for your post-retirement years so that you can retire without worry! You can establish a sizable pension fund by making regular contributions to your pension plan during your work years and receive ...

The Interim Pension Fund Regulatory and Development Authority, or PFRDA, is in charge of overseeing the administration of the Swavalamban Pension Yojana, and the scheme applies to all Indian nationals who work in the unorganized sector. Let’s take...

An extension of the Employee Provident Fund, voluntary provident fund offers an employee another option of saving with tax benefits and a decent interest rate. This is an attractive way for those looking to save for the future, where one can add s...

Permanent Retirement Account Numbers, or PRANs for short, are 12-digit unique numbers given to anyone who has joined the National Pension Scheme (NPS). The PRAN number is essential for overseeing an NPS participant’s retirement savings, which mean...

Imagine waking up on a weekday, sipping your morning coffee, with a whole day ahead of you to pursue your interests and passions—without the pressure of a regular job. This is the dream of the Financial Independence Retire Early (FIRE) movement....

Let’s break it down to see why this employer-sponsored savings option is a game-changer for future financial security....

Financial independence is one of the key requirements for stress-free retirement. Many elderly Indians rely on their savings and investments to have an assured financial life to fulfill their daily needs, medical expenses, and hobbies. For this pu...

Retirement is a big milestone marking the beginning of a new chapter in a life filled with freedom, relaxation, and perhaps a bit of adventure. As liberating as it sounds, retirement also brings many financial concerns. Without a regular paycheck,...

Planning for retirement is an important aspect of financial well-being, and one of the best ways to ensure your future is through superannuation. But what exactly is this concept, and how does it really benefit your retirement? Here's an all-inclu...