Retirement Planning

The findings suggest that while women are making steady progress in planning for their later years, the improvement is uneven across different aspects of preparedness.

Updated : Mar 7, 2026

Working women more prepared for retirement, but fear of loneliness rises: Axis Max Life Study

The India Retirement Index Study (IRIS 5.0) shows that the retirement preparedness score for women rose to 49 in 2025 from 44 in 2022, slightly higher than the national average score of 48. The study evaluates retirement readiness across three parameters — financial, health and emotional preparedness — on a scale of 0 to 100.

Planning for retirement a decade in advance allows investors to balance wealth accumulation with future income security.

Updated : Feb 26, 2026

Planning to retire at 55 -- How can I secure Rs 75,000–Rs 1 lakh monthly pension?

With rising life expectancy and inflation, retirement planning has become a critical financial priority for professionals in their 40s. Building a corpus that can generate a steady monthly income requires a structured approach combining growth and guaranteed payout options.

A sensible approach is to allocate about 50% to equities, 25% to stable debt, and the remainder to diversifying assets for balance and resilience.

Updated : Feb 24, 2026

Planning to retire at 45? Is a Rs 6-crore portfolio enough to last through your golden years?

Retiring at 45 may sound ambitious, but with a Rs 6-crore portfolio and controlled annual expenses, financial independence could be closer than it seems. The key question is not just having enough—but structuring your assets wisely to ensure sustainability for the next 40–45 years.

As per the scheme, 70% to 100% of the corpus will be invested in equities, with up to 30% in debt instruments and up to 10% in money market instruments.

Updated : Feb 20, 2026

NPS Swasthya Equity Plus: Grow your retirement corpus, access funds for health with ICICI Pension Fund’s new bet

Launched under the PFRDA Regulatory Sandbox Framework as a Proof of Concept (PoC), the scheme is positioned as a hybrid retirement solution that allows controlled liquidity for medical expenses without compromising the long-term growth trajectory of the corpus.

In recent years, NPS has undergone significant changes — from allowing investments in gold and silver ETFs to sharply reducing the mandatory annuity requirement.

Updated : Feb 13, 2026

From NPS Swasthya Pension Scheme to new products: How PFRDA is revamping the NPS

The Pension Fund Regulatory and Development Authority (PFRDA) is undertaking a comprehensive revamp of the National Pension System (NPS) to make it more flexible and relevant for subscribers. From a health-focused pension product to assured payout options, the regulator is widening choices for retirement planning.

Form 15H is a self-declaration that resident individuals aged 60 years and above can submit if their total taxable income for the year is below the basic exemption limit.

Updated : Feb 2, 2026

Budget 2026 explainer: How the new Form 15H rule simplifies tax filing for senior citizens

FM Nirmala Sitharaman has announced that senior citizens will now be allowed to submit Form 15H just once through their depository — either NSDL or CDSL — instead of filing it separately with each issuer.

Updated : Feb 1, 2026

Budget 2026–27 sets the stage for deeper credit, smarter cities, real estate growth

Union Budget 2026–27 lays out a calibrated roadmap to deepen formal credit, ease liquidity stress and accelerate infrastructure-led urban growth. With targeted capital support and policy clarity, it seeks to unlock the next phase of MSME expansion and real estate development beyond metros.

Budget 2025 further widened the appeal of the new tax regime by making income up to Rs 12 lakh tax-free from FY 2025–26.

Updated : Jan 31, 2026

Senior citizen taxation: What changed for elders on SCSS investments after Budget 2025

The Union Budget 2025, presented by Finance Minister Nirmala Sitharaman, introduced a revamped new tax regime for FY 2025-26 (AY 2026-27), effective April 1, 2025. Key changes include making income up to Rs 12 lakh completely tax-free via rebates. Taxation also changed for senior citizens who are investing in Senior Citizens Savings Scheme (SCSS).

Retirement-related anxiety remains elevated. Rising elderly care costs, doubts over financial independence in old age and inadequate retirement planning remain top concerns for senior citizens.

Updated : Jan 28, 2026

Income-related anxiety high as inflation erodes savings, salary lag costs, finds अ-Nishchit index

Personal finance remains a key source of uncertainty, driven more by preparedness gaps than income levels. Economic and financial instability scores 80, led by fears of inflation eroding savings (81) and incomes failing to keep pace with rising living costs (80).

SBI Research called for aligning EPFO more closely with the National Pension System (NPS) framework.

Updated : Jan 26, 2026

Budget 2026-27: SBI Research flags pension revamp, wider UPS and NPS push with tax incentive

SBI Research underscored the need for uniform tax treatment across retirement and insurance products, including annuities and unit-linked insurance plans (ULIPs)

Fortune Guarantee Supreme is an individual, non-linked, non-participating life insurance savings plan. It provides guaranteed benefits throughout the policy term along with life cover

Updated : Jan 24, 2026

Retirement options: Here’s how Tata AIA Life’s long-term savings plan eases income planning

The most notable addition to the plan is the Premium Offset feature, which reduces the direct premium-paying burden over time. Under this structure, customers pay premiums for only the first six years of a 12-year premium-paying term.

As per the report, only 33% of Empty Nesters and 38% of the Sandwich Generation believe their retirement savings will last beyond 10 years.

Updated : Jan 23, 2026

Sandwich generation vs empty nesters: 71% fear loneliness, only a third trust their savings to last, says report

India’s changing family structures and rising life expectancy are exposing sharp gaps in retirement readiness among the Sandwich Generation and Empty Nesters. New data from Axis Max Life’s India Retirement Index Study shows that fewer than four in ten in either group expect their retirement savings to last beyond a decade, highlighting deep financial and emotional vulnerabilities.

Under the Atal Pension Yojana, subscribers are assured a minimum monthly pension of ₹1,000 on reaching the age of 60.

Updated : Jan 22, 2026

Budget 2026: Union Cabinet approves extension of Atal Pension Yojana till FY31

Atal Pension Yojana scheme: As part of the approval, the government will continue funding promotional and developmental initiatives aimed at increasing awareness and participation in APY, particularly among workers in the unorganised sector

PFRDA has also issued a fresh circular outlining how subscriber information will be shared under the Multiple Scheme Framework (MSF) for non-government NPS subscribers

Updated : Jan 13, 2026

Pension 2026: NPS assured payouts on cards as PFRDA sets up high-level advisory panel

According to the PFRDA, the committee will function as a standing advisory body on structured pension payouts. Its central task is to design a regulatory framework for assured payout products under the NPS, including options outlined in PFRDA’s consultation paper released on September 30, 2025.

Chief Minister M K Stalin said the new scheme restores the core benefits of the Old Pension Scheme (OPS) while retaining employee contributions similar to the National Pension System (NPS).

Updated : Jan 12, 2026

Guaranteed pension, mandatory contribution: Decoding Tamil Nadu’s Assured Pension Scheme

TAPS will be mandatory for all eligible employees joining service from January 1, 2026. Employees governed by CPS who retire on or after that date will also be covered, subject to the rules to be notified.

With Budget 2026 nearing, senior citizens expect changes to the old tax regime, where the basic exemption limit is Rs 3 lakh a year.

Updated : Jan 7, 2026

Union Budget 2026: After Budget 2025 tax relief, what can senior citizens expect from FM Sitharaman this year?

After getting meaningful tax relief in Budget 2025 through higher TDS thresholds and revised slabs, senior citizens are now turning their attention to what Budget 2026 may bring. With living costs rising and savings income under pressure, expectations are building for further exemptions and better returns on retirement savings.

PFRDA has revised the Investment Management Fee (IMF) structure for Pension Funds, effective April 1, 2026.

Updated : Jan 2, 2026

NPS reforms: PFRDA allows banks to set up pension funds, revises fee norms

At the heart of the overhaul is a decision to allow Scheduled Commercial Banks (SCBs) to independently set up Pension Funds for managing NPS assets.

Government and non-government NPS exits follow separate rules. Govt subscribers are permitted to withdraw their accumulated savings at retirement, superannuation.

Updated : Dec 17, 2025

PFRDA eases NPS exit rules for non-government subscribers, lowers mandatory annuity to 20%

For non-government NPS subscribers, exit rules depend on the accumulated pension wealth (APW) and the type of exit. On normal exit after 15 years, at age 60, or on superannuation, subscribers with APW up to Rs 8 lakh can withdraw the entire amount as a lump sum without buying an annuity.

Before the 2025 amendment, non-government NPS subscribers were required to use 40% of their retirement corpus to purchase an annuity at the time of exit.

Updated : Dec 16, 2025

NPS exit rules changed: Non-govt subscribers can now withdraw up to 80% of retirement corpus

Under the revised framework, non-government NPS members, including those under the All Citizen Model and Corporate NPS, can now withdraw up to 80% of their retirement corpus as a lump sum or through structured withdrawal options at the time of exit.

Pension fund AUM stood at around Rs 16 lakh crore as of November 2025. Even a small allocation to gold and silver could translate into meaningful incremental demand over time.

Updated : Dec 16, 2025

How PFRDA's nod to gold, silver ETFs will alter retirement investment playbook - expert explains

The pension investment landscape in India is set for a major shift after the PFRDA allowed exposure to gold and silver ETFs under the NPS. Alok Jain said the move opens up long-term, stable capital flows into precious metals for the first time. The change is expected to reshape retirement portfolios by encouraging broader diversification.

Retirement planning isn’t about chasing a magic number. It’s about creating peace of mind, where money isn’t a source of stress or worry.

Updated : Dec 11, 2025

Retirement dreams vs reality: How much you really need to save for Rs 50 lakh/year? CA explains investment plan

Retirement dreams often focus on stress-free income and financial independence, but few consider the real cost. CA Nitin Kaushik said that most Indians do not have an exact idea about how much should you have in your golden years for a smooth survival

Retirement Planning

Working women more prepared for retirement, but fear of loneliness rises: Axis Max Life Study

Planning to retire at 55 -- How can I secure Rs 75,000–Rs 1 lakh monthly pension?

Planning to retire at 45? Is a Rs 6-crore portfolio enough to last through your golden years?

NPS Swasthya Equity Plus: Grow your retirement corpus, access funds for health with ICICI Pension Fund’s new bet

From NPS Swasthya Pension Scheme to new products: How PFRDA is revamping the NPS

Budget 2026 explainer: How the new Form 15H rule simplifies tax filing for senior citizens

Budget 2026–27 sets the stage for deeper credit, smarter cities, real estate growth

Senior citizen taxation: What changed for elders on SCSS investments after Budget 2025

Income-related anxiety high as inflation erodes savings, salary lag costs, finds अ-Nishchit index

Budget 2026-27: SBI Research flags pension revamp, wider UPS and NPS push with tax incentive

Retirement options: Here’s how Tata AIA Life’s long-term savings plan eases income planning

Sandwich generation vs empty nesters: 71% fear loneliness, only a third trust their savings to last, says report

Budget 2026: Union Cabinet approves extension of Atal Pension Yojana till FY31

Pension 2026: NPS assured payouts on cards as PFRDA sets up high-level advisory panel

Guaranteed pension, mandatory contribution: Decoding Tamil Nadu’s Assured Pension Scheme

Union Budget 2026: After Budget 2025 tax relief, what can senior citizens expect from FM Sitharaman this year?

NPS reforms: PFRDA allows banks to set up pension funds, revises fee norms

PFRDA eases NPS exit rules for non-government subscribers, lowers mandatory annuity to 20%

NPS exit rules changed: Non-govt subscribers can now withdraw up to 80% of retirement corpus

How PFRDA's nod to gold, silver ETFs will alter retirement investment playbook - expert explains

Retirement dreams vs reality: How much you really need to save for Rs 50 lakh/year? CA explains investment plan

MARKET BUZZ

TOP VIDEOS