26/03/2025
๐๐ ๐๐ง๐๐ข๐๐ง๐ฌ ๐๐ง๐ฏ๐๐ฌ๐ญ ๐ข๐ง ๐๐จ๐ฅ๐, ๐๐ซ๐จ๐ฉ๐๐ซ๐ญ๐ฒ, ๐๐ง๐ ๐๐๐๐๐ข๐ง๐ ๐ฌ ๐๐ฎ๐ญ ๐๐ก๐๐ญ ๐๐๐จ๐ฎ๐ญ ๐๐ฎ๐ซ๐ฌ๐๐ฅ๐ฏ๐๐ฌ?
For many of us, โ๐๐๐ญ๐ ๐ฌ๐๐ฆ๐๐ก๐๐ฅ ๐ฅ๐๐ ๐โ has been the go-to retirement plan. But true security comes from financial independence not dependence.
The film Piku beautifully captures the emotional and financial complexities of aging parents relying on their children. While family bonds are precious, retirement should be about living on your own terms without becoming a burden.
And letโs not forget your health is your biggest asset. As we age, risks like cognitive decline, Alzheimerโs, or chronic illnesses increase, ๐ฆ๐๐ค๐ข๐ง๐ ๐ก๐๐๐ฅ๐ญ๐ก๐๐๐ซ๐ ๐ฉ๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐ฌ ๐๐ซ๐ฎ๐๐ข๐๐ฅ ๐๐ฌ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฉ๐ฅ๐๐ง๐ง๐ข๐ง๐ .
๐ก๐๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ ๐๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐๐ฉ๐ญ๐ข๐จ๐ง๐ฌ ๐ข๐ง ๐๐ง๐๐ข๐
๐. ๐๐๐ญ๐ข๐จ๐ง๐๐ฅ ๐๐๐ง๐ฌ๐ข๐จ๐ง ๐๐๐ก๐๐ฆ๐ (๐๐๐)
A government-backed scheme blending equity and debt investment, offering tax benefits up to โน2,00,000 under Sections 80C and 80CCD.
๐. ๐๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐๐โ๐ฌ ๐๐ซ๐จ๐ฏ๐ข๐๐๐ง๐ญ ๐
๐ฎ๐ง๐ (๐๐๐
)
For salaried individuals, EPF provides steady, tax-free returns (if held for over 5 years) and employer contributions, making it a reliable way to build wealth.
๐. ๐๐ฎ๐๐ฅ๐ข๐ ๐๐ซ๐จ๐ฏ๐ข๐๐๐ง๐ญ ๐
๐ฎ๐ง๐ (๐๐๐
)
A risk-free, long-term savings option with a 15-year lock-in period and government-backed interest ensuring guaranteed returns.
๐. ๐๐๐ง๐ข๐จ๐ซ ๐๐ข๐ญ๐ข๐ณ๐๐ง ๐๐๐ฏ๐ข๐ง๐ ๐ฌ ๐๐๐ก๐๐ฆ๐ (๐๐๐๐)
Ideal for retirees, offering assured returns and tax savings under Section 80C, with regular payouts.
๐. ๐๐ฎ๐ญ๐ฎ๐๐ฅ ๐
๐ฎ๐ง๐๐ฌ
Great for those comfortable with equity markets, providing growth-oriented options that can help beat inflation.
๐. ๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐-๐๐ข๐ง๐ค๐๐ ๐๐๐ง๐ฌ๐ข๐จ๐ง ๐๐ฅ๐๐ง๐ฌ
Deferred or immediate annuity plans from insurance companies offer financial security, ensuring a steady income post-retirement.