A letter from a financial advisor to a client about to retire — walking through the go-go, slow-go, and no-go years of retirement. What changes, what to expect, and how to prepare for all three stages.
My elder daughter's first-year fees at a premier management institute exceeded everything I spent on education from Class 1 through my own graduation — combined. My younger daughter sits for entrance tests this year. Here are the 2026 numbers, the inflation math, and why your child's education may be the single biggest threat to your retirement plan.
Prakash retired with ₹3.2 crore and a pension. His finances were fine. His life was not. This is the story of his first year — the silence, the experiments, and what actually made retirement work.
Most Indians plan taxes in the last two weeks of March. Here are 11 unusual ways to save tax throughout the year - including the retirement withdrawal sequencing strategy that could save Rs 50-75 lakh that almost no one talks about.
Which retirement savings instrument actually builds wealth? See the SIP needed in MF, PPF, NPS, and insurance to reach the same ₹7 Crore corpus — the difference will shock you.
There is no single best retirement plan in India — there's only the best combination for your situation. Honest comparison of NPS, annuity, mutual funds, and ULIPs from a 25-year advisor's perspective.
The 4% rule, 25x expenses, 100-minus-age — which retirement rules of thumb actually work in India? A 25-year practitioner puts 8 popular rules on trial.
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