Retirement Planning Queries

Retirement benefits scheme

Retirement benefits scheme?

Jul 15, 2016 by R M Madhukar, Karnataka | Retirement Planning

Your query is not very clear. You have only mentioned ‘Retirement Benefit Schemes’ in your query. Please write your query in details. Meanwhile, to know more about retirement investing options and retirement... Read More

How to get better return other than fixed deposits and Post Office MIS

I have the following queries of how much to invest and at what funds for a 69 year old senior citizen lady who is does not pay tax and not even files return for her income. kindly elucidate in details? She is in receipt of Post office MIS scheme maturity amount of INR 10 LACS and she does not want to invest in POST OFFICE ANYMORE? She already has some 8-9 lacs investment in FIXED DEPOSITS which is earning her quarterly interest for which she fills up FORM 15H every year. The advise she is seeking, is, in what instruments she should invest her 10 lacs, so that she enjoys monthly or quarterly payout without attracting tax liabllity? SHe does not want to invest in BANK FD also', as she is seeking higher returns than what bank is offering today? Her interest is in DEBT MUTUAL FUNDS, but attracting least or no TAX at all. She wants to avoid the filing of INCOME TAX RETURN PART as she has never filed and does not want to get into it at her age as she will not be able to do it without outside help and she wants to avoid it, simply put. I suggested DEBT ACCRUAL FUNDS-SWP, what about these and what are the return prospects annually for the same in her case and INCOME STATUS? WILL it be taxable once the the funds mature in her hands after the period of funds is over etc? kindly guide her with best possible options in such category, considering her condition as stated above. Kindly let us know the best return oriented MUTUAL FUNDS IN THIS CATEGORY - be it debt accrual or any liquid funds etc?

Jun 13, 2016 by JITA DAS, Kolkata | Retirement Planning

As you have rightly mentioned, monthly SWP from debt funds would be an ideal solution for her. We have done two articles in the recent past which completely highlights these benefits in details. Request you to... Read More

I want to invest lumpsum amount in the best pension plan

I would like to invest lump sum amount in pension plan, which is the best plan available?

Feb 10, 2016 by Jayraj, Mumbai | Retirement Planning

You have not provided sufficient details. There are broadly three types of retirement plans in the market... Read More

How to plan retirement through Mutual Funds

How to plan retirement through mutual fund? Is it worth to make through PENSION FUND or any other way?

Aug 6, 2015 by Sandeep Patil, Mumbai | Retirement Planning

Retirement planning is a vast topic. We will discuss some broad guidelines. There are 10 high level steps for retirement planning. You need to estimate your monthly income need during your retirement... Read More

Investment of Retirement Corpus

I want to invest my retirement corpus. Please suggest suitable debt portfolio for regular secure income?

Aug 3, 2015 by Chitra Mahajan, Asansol | Retirement Planning

Financial planning experts recommend retirees to have some allocation to equities, as opposed to 100% allocation to debt. While risk is an important consideration for retirees, with retired lives getting increasingly longer, equity over a sufficiently long time horizon, can not only beat inflation but also grow your retirement corpus... Read More