
Tax-saving: There are various investment schemes available in the market that offer tax exemptions.

Even if you cobbled up a decent kitty for your retirement, you have to be careful with your finances during your golden years.

Building a sizeable retirement corpus needs strict and disciplined financial planning and discipline over a long time period of time.

Post office small savings schemes offer attractive interest rate and are also considered safe and secure

Retirement goals: Early retirement needs both strict financial planning and discipline over a long time period.

Both EPF and PPF offer higher interest rate compared to other fixed income instruments such as bank FDs

Retirement goals: Early retirement needs both careful planning and strict financial discipline

At a time when most fixed income instruments are offering negative real returns, small saving schemes are offering positive real returns

Diversification of holdings to include a greater proportion of risk-free securities that offer stable returns is the best way to plan for golden years
Public Provident Fund withdrawal rules: Complete withdrawal of PPF balance is allowed only at the time of maturity