Retirement Planning

Retirement is one of the most important life events many of us will ever experience. From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes proper planning and years of hard work. Even after you retire, managing it is an ongoing responsibility that carries well into one's golden years.

While all of us would like to retire comfortably, the complexity and time required in building a successful retirement plan can make the whole process seem nothing short of a Miracle.

However, it is not possible. All it takes is proper planning, hard work and a little bit of luck. The following series of articles are an attempt to help you plan for your Golden Years!!!

1. Why is Retirement Planning Important?
2. How much money will I need?
3. Where will the Money come from?
4. Building the Retirement Corpus
5. Conclusion

National Pension Scheme:

1. The National Pension System – De-Mystified
2. NPS Swavalamban Scheme
3. NPS - All your questions answered
4. Returns comparison - NPS Vs ULIPs
5. Is NPS A Worthwhile Investment Option

Employee Provident Fund - India:

1. Employee Provident Fund - De-Mystified
2. How Much Pension will I Get through the EPS Scheme
3. Historic Interest Rates Offered by EPF India
4. Can I Withdraw Money from my EPF Account?
5. Can I Transfer my EPF Amount to my new Employer?

Hope you find these posts useful. 

You may be wondering how to get an idea of the amount of money you will end up accumulating by saving a small amount every month. Use the calculator widget provided by InvestmentYogi website that is embedded below and find out yourselves...

Happy Retirement!!!


  1. Its a nice article I was looking for regarding NPS. Can you please post similar article based on returns as of say jun/Jul 2013. I also have few questions. Please let me know where I can post the same.

    1. Please post your queries in the article in this blog which covers your question topic. For ex: If you have queries on income tax, leave your question as a comment in any of the income tax related articles...

      Sure, i will do a returns comparison as of this quarter.


  2. I want my pf balance on2644 of pf number.
    this is time of 1993

    1. Sorry - I do not understand the question. Anyways, pf account balance can only be found out by the account holder. So, you need to either talk to your employer or contact the regional pf office to find it out.

  3. hi anand , u r doing a great job !!! thanks for ur efforts!!! i am planning to put money of 3000/month in NPS through hdfc life ? what is your suggestion? Expected rate of return?

    1. Anonymous - There is very little info here for me to suggest or advise an expected rate of return. HDFC is a good fund house and their fund managers are very capable. The % return you get will depend on the combination of Equity + Safe investments you choose.

      NPS is a good scheme as such with very low expense ratios and fees and hence is a good start towards retirement planning.

  4. Hi Anand,

    What's the best investment option is? I mean in any Life Ins or anything?

    1. The term best is subjective to who you are and what is your risk appetite. And by the way Life Insurance is not an Investment.

      If interested to learn about investments, I would recommend you read the other articles in the blog or consider purchasing one or more books. See here:

  5. Dear Sir,
    I have worked under a MNC from 22/09/2008 to 31/03/2016.
    Total duration of service 7 Years 6 Months 10 Days.
    Out of which First 2 Years was in the Training Period & rest of the 5 Years 6 Months 10 Days are treated as a main service.
    Though EPF & EPS amount deducted throughout my service.
    First 2 Year Training Period's PF & EPS is under EPFO and Rest of the 5 Years 6 Months 10 Days PF & EPS is in the Company's PF Trust.
    I'm also having separate PF No. for the same.

    My Question is Can I transfer my training Periods PF account which lies with the EPFO to the PF account which was under the Trust?
    If Yes then Can I withdraw only the EPS money after merging both the accounts?
    (Since total duration of the service after merging both the account will be 7 Years 6 Months 10 Days)

    Please guide me to the correct Way...

    Debmalya Mukherjee

    1. Yes, it can be transferred and yes you can withdraw both the PF and EPS money.

  6. Dear Sir,

    Kindly advice me, about SBI Life - Retire Smart - Bond Pension Fund II, is this a good pension fund. I am 35 years old NRI so planning to invest 300000 per year for 5 years. they told me aprox 50000 per month pension from my 55 birthday. kindly advice,


    1. As far as I know, a bond fund cnnot give those kind of returns. If your agent can guarantee this amount in Writing which is endorsed by SBI funds, then you can consider


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