Author: Naresh Saini

In the world of long-term investment, two names often stand out in India — SIP (Systematic Investment Plan) and PPF (Public Provident Fund). Both are popular choices among Indian investors who want to build wealth over time. But if you start investing ₹10,000 every month, where will you get better returns — in SIP or PPF? Let’s break this down in simple terms and analyse both options based on key factors like returns, safety, risk, liquidity, taxation, and long-term wealth creation. Understanding SIP and PPF: Basics First What is SIP? SIP is a method of investing a fixed amount in…

When planning for long-term wealth creation, two popular options dominate Indian investors’ minds – the National Pension System (NPS) and Mutual Funds. Both offer distinct advantages, but which one suits your financial goals better? This in-depth comparison will help you decide where to invest based on returns, risks, liquidity, tax benefits, and long-term growth. What is NPS? The National Pension System (NPS) is a long-term retirement-focused investment scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Key Features of NPS: ✔ Tax Benefits: Up to ₹2 lakh under Sec 80C, 80CCD(1B)✔ Low-Cost Investing: Fund management charges (~0.01%)✔ Fixed Asset Allocation: Equity (max 75%), Debt, and Govt. Bonds✔ Annuity Compulsion: At least 40% corpus must be…

बीमा की दुनिया में एलआईसी (LIC) एक ऐसा नाम है जिस पर देश के हर कोने में लोग भरोसा करते हैं। पर क्या आप जानते हैं कि LIC सिर्फ आम जनता ही नहीं, बल्कि हाई नेट वर्थ इंडिविजुअल्स (HNIs) के लिए भी खास प्लान बनाता है?आज हम बात कर रहे हैं LIC की जीवन शिरोमणि पॉलिसी की, जो उन लोगों के लिए बनाई गई है जो प्रीमियम भी ज़्यादा भर सकते हैं और प्रोटेक्शन व रिटर्न दोनों चाहते हैं। 🏆 यह पॉलिसी खास क्यों है? LIC Jeevan Shiromani (प्लान संख्या 947) एक मनी-बैक और गैर-लिंक्ड जीवन बीमा योजना है, जिसका…

The Provident Fund (PF) is a crucial part of most salaried employees’ financial safety net in India. Managed by the Employees’ Provident Fund Organisation (EPFO), this fund ensures long-term savings and financial security after retirement. Employees and employers both contribute to the fund, and one can partially or fully withdraw the amount under specific conditions. However, many people face PF claim rejections due to small errors or missed procedures. If you’ve recently applied for a PF withdrawal and your claim got rejected, you’re not alone. Let’s break down the common reasons for PF claim rejection and what steps you must…

Retirement is one of those life events we all know is coming, yet many of us don’t plan for it until it’s too late. Some people feel they still have time, while others simply don’t know where to begin. But the truth is, the earlier you plan your retirement, the better and richer your golden years will be. In simple words, retirement means a phase where you stop working and start depending on your savings, investments, or pension to live your life. That’s why planning well in advance is important, especially considering how fast costs are rising due to inflation.…

आजकल ज़्यादातर मिडिल क्लास प्रोफेशनल्स को कंपनी की तरफ से हेल्थ इंश्योरेंस मिलता है। लेकिन क्या ये पॉलिसी अकेले आपकी या आपके परिवार की हेल्थ ज़रूरतों को कवर करने के लिए काफी है? जवाब है – नहीं। और इस “नहीं” के पीछे कई वजहें हैं जिन्हें जानना बेहद जरूरी है। चलिए जानते हैं कि सिर्फ कंपनी पर डिपेंड करने से क्या-क्या रिस्क हो सकते हैं और क्या सॉल्यूशन है। 🏥 1. नौकरी छूटते ही हेल्थ इंश्योरेंस भी खत्म सबसे पहला और बड़ा प्रॉब्लम ये है कि जैसे ही आप नौकरी छोड़ते हैं, या कंपनी आपको निकालती है, आपका कंपनी वाला…

In today’s world, where medical expenses are constantly rising and health risks are unpredictable, having a strong health insurance cover is more important than ever. Many salaried professionals feel secure because their employers offer them a health insurance plan. It’s part of the perks that come with a job. But is this corporate health insurance really enough to protect you and your family? The answer is a big NO. While it’s great to have a company-provided health insurance policy, depending solely on it can create serious problems—especially in emergencies or during sudden changes in your job status. Let’s break down…

Are you working in a private company in India and getting monthly salary with EPF deductions? Then you must know that every month a part of your salary goes into your Employees’ Provident Fund (EPF) account. Your employer also contributes the same amount. Over time, this amount grows and helps you build a retirement fund. But do you know how much money is already deposited in your PF account? If not, you can check your EPF balance in just a few minutes. With the help of digital tools and services offered by Employees’ Provident Fund Organisation (EPFO), it is now…

Retirement is a phase of life where financial security becomes the top priority. Having a consistent income source is crucial for meeting daily expenses, medical costs, and maintaining a comfortable lifestyle. With increasing life expectancy and inflation, retirees must make informed investment decisions to ensure a steady flow of income. Two popular options for post-retirement income in India are the National Pension System (NPS) and Equity Savings Funds. While both have their advantages, choosing the right one depends on individual financial goals, risk tolerance, and expected returns. What is the National Pension System (NPS)? NPS is a government-backed voluntary retirement…

Many salaried individuals struggle to save money despite earning a decent income. The common excuse is, “I don’t know where my money goes.” However, the truth is that poor financial planning leads to this situation. If you often find yourself short on savings at the end of the month, it’s time to adopt a smart money management strategy. The 50:30:20 Rule: A Game-Changer for Financial Planning One of the most effective ways to manage income is by using the 50:30:20 formula. This method simplifies financial planning by dividing earnings into three categories: needs, wants, and savings. By following this rule,…