Should you choose Pension or Annuity for building your retirement corpus?

Pensions and annuities are two great kinds of retirement income. But don’t confuse one with the other. They are two different instruments with their own advantages and disadvantages. Let us see what they are and which one would be more appropriate.


How to plan your retirement with National Pension System (NPS)?

The best way to predict your future is to invest in it.

At a point when individuals retire they will either have no or very little monthly income. This means that, you have to alter your lifestyle. Coming to think of it, it’s actually difficult to compromise on your comforts and expenditure.

As a solution, opting a pension scheme would help you to save a good corpus for your old age, thus providing financial security and freedom. One such scheme that we will discuss today is the National Pension System (NPS).


Finity Weekly Update (Issue #10): BJP loses, Urjit loses but Mr. Market wins

We accept the people’s mandate with humility.

I thank the people of Chhattisgarh, Madhya Pradesh and Rajasthan for giving us the opportunity to serve these states. The BJP Governments in these states worked tirelessly for the welfare of the people.


— @NarendraModi on twitter (After BJP lost to Congress in Chhattisgarh, MP & Rajasthan state elections)

While the Prime Minister has expressed humility and has mentioned the BJP’s intentions to strive harder for India’s development, is this really all that there is to the Great Indian Election story?

Maybe, this is just the beginning.


Finity Weekly Update (Issue #9): The life cycle in businesses, profitability secrets & more

When Charlie Munger and I buy stocks – which we think of as small portion of business – our analysis is very similar to that which we use in buying entire businesses.

–Warren Buffett

With elections right around the corner, many investors are worried about the volatility that this season brings along. Here’s how the exit polls are looking:

State Exit Poll Expectation
Madhya Pradesh

BJP & Congress neck-to-neck
RajasthanStrong expectations for Congress crossing majority mark
ChhattisgarhBJP & Congress expected to engage in a very close battle
TelanganaTRS expected to retain power
MizoramThe Mizo National Front is projected to defeat the Congress Party


Finity Weekly Update (Issue #8): Tax saving under Section 80C and other updates

The avoidance of taxes is the only intellectual pursuit that carries any reward.

— John Maynard Keynes

Quite often, we rush to make the least thought-through tax saving investment (the easiest like insurance plan & PPF being the most popular) with a short-term view to save on taxes.

Have you ever wondered if the same investment could also help you build wealth and take you closer to your financial goals? Probably not.

Here’s a cheat-sheet to help you choose the best tax-saving option to utilize your section 80C’s INR 1.5 Lakh tax-deductible limit.

Hint: Look for the lowest lock-in & highest potential return.