The 2nd Edition of the Book - "Your Complete Guide to Indian Income Tax and Retiring as a Crorepati" that includes the changes to the Indian Tax Laws after the Indian Union Budget is now available for sale. Click Here to purchase the book. Note: If you have purchased the older version of the book on or after 1st of March 2015, you can contact me at my email ID - with proof of purchase and I will be more than happy to send you the latest edition - Absolutely Free... Thank you for your Support.
Dear Friend,

Thank you for visiting my Blog. Not all of us were born in a rich family and we always think about retiring as a CROREPATI. Thinking is one thing, have you done anything to achieve that dream?

In order to become rich, you have to invest and do it wisely. For that you need knowledge and ideas. There are a few good books that I have published which you can buy for a nominal price which can help you with that.

They are:

1. Your Complete Guide to Indian Income Tax and Retiring as a Crorepati
2. The Most Comprehensive Financial Guide for Women and
3. Safe Investment Havens of India

To know more about these books, their price and check out a sneak preview, please Click Here...

Best Wishes!!


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. Nice Article...

  2. 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.


  3. 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.

  4. 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.


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All the contents of this blog are the Authors personal opinion only and are not endorsed by any Company. This website or Author does not provide stock recommendations. The purpose of this blog is to educate people about the financial industry and to share my opinion about the day to day happenings in the Indian and world economy. Contents described here are not a recommendation to buy or sell any stock or investment product. The Author does not have any vested interest in recommending or reviewing any Investment Product discussed in this Blog. Readers are requested to perform their own analysis and make investment decisions at their own personal judgement and the site or the author cannot be claimed liable for any losses incurred out of the same.