Debt is another important component of the portfolio of the individual. It is that part of the total investment amount that will yield steady returns and provide an element of stability to the portfolio. Even though this might not derive the entire returns of the portfolio or seem to be no match against the returns …
A lot of debt that is held by individuals is in the form of deposits and bonds. Deposits include fixed deposits with banks and company fixed deposits. Many people adopt that Government of India bonds route. There are also several debt options in the small savings basket-like monthly income scheme of the post office and …
People use equities in the retirement planning process to provide the necessary amount of growth and benefits over the long term. The benefits of this asset class will be present and clearly visible only when there is a holding of the assets for a long period of time. There are some features that one has …
Equities can be used for the purpose of retirement planning in several ways. The most common one is to invest directly into equities and hold shares in the name of the individual. Here, the person buys the shares in his own name and earns the dividend on the shares. The holder also bears the capital …
A Systematic Withdrawal Plan may be a facility for normal income with the assistance of mutual funds. It gives the investor, the liberty to enjoy the life one has always dreamt of post-retirement. One can withdraw funds from existing investment company outlays at pre-set interludes, be it fortnightly, monthly, quarterly, or maybe annually, which is …
Depart Happiness Post Retirement in a Systematic Manner Read More »
There are some clear differences in the defined benefits and the defined contributions routes These two methods are at the base of the retirement planning process. Everything from how the earnings will be distributed to the kind of earnings that will be available is determined by the option that one has chosen. For many people, …
Difference Between Defined Benefit vs Defined Contribution Read More »
The basic premise of the defined contribution method is that the onus of retirement planning is on the individual. This means that they take the necessary amount of risk in the entire venture. The starting point is the contribution and there is a defined amount or a specified amount that is contributed to start off …
The defined benefit plans have their own features. This means that it is very easy to recognize a defined benefit. For there is a certain amount paid to the employee when a specified time period is complete. Along with this various conditions also have to be fulfilled. There is no necessity of the payout being …
DEFINED BENEFITS AND DEFINED CONTRIBUTIONThese are two major ways in which retirement benefits are received. The nature of the benefits will also impact the way in which the planning process is conducted. The benefits at the time of retirement can come either through defined benefits or the route of defined contributions. Each method has its …
FACTORS THAT WILL IMPACT RETIREMENT PLANNINGThere are several reasons why each person requires a unique retirement plan so that their specific needs are taken care of. LIFESTYLEThe lifestyle maintained by a person has a significant impact on the monetary requirements during retirement planning. Post-retirement, one would like to maintain a lifestyle that is relative to …
10 Reasons Why Each Person Requires a Unique Retirement Plan Read More »
