Retirement Planning in India — Complete Guide
EPF, NPS, PPF, mutual funds, and the 25x rule. Build the corpus you need to stop working on your terms.
Why Retirement Planning Starts at 25, Not 55
The compounding math that makes late starters cry — and early starters wealthy.
How Much Money Do You Actually Need to Retire?
The 25x rule, India's inflation adjustment, and calculating your exact retirement number.
Your EPF — The Silent Wealth Builder Most Indians Ignore
UAN, interest rate, VPF, and the biggest mistake: withdrawing early.
NPS — Build a Pension While Saving ₹50,000 in Tax
Tier 1, Tier 2, asset allocation, and the extra deduction beyond 80C.
PPF — 15 Years to Tax-Free Guaranteed Wealth
Deposits, loan facility, extension, and why PPF is the backbone of conservative retirement.
EPF vs NPS vs PPF — The Complete Comparison
Side-by-side comparison of returns, liquidity, tax treatment, and who each is best for.
Mutual Funds for Retirement — The Equity Layer
Why equity is non-negotiable for long retirements, and how to allocate across decades.
SWP — Living Off Your Portfolio Without Running Out of Money
Systematic Withdrawal Plans: how to draw a salary from your retirement corpus.
Post-Retirement Options — SCSS, PMVVY and More
Senior Citizen Savings Scheme, annuities, and safe income for retirees.
FIRE in India — Financial Independence, Retire Early
The math, the variants (Coast, Barista, Fat FIRE), and a real India-specific FIRE plan.