Higher life expectancy, shorter work spans mean a longer retirement period: Get financially ready

THE ECONOMIC TIMES Tue, May 16, 2017 | 06:27 AM IST ET Wealth Newsletter

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Higher life expectancy, shorter work spans mean a longer retirement period: Get financially ready To avoid running out of money in retirement, let's look at the pitfalls you need to be aware of and the steps you need to take. Are you a saver or a miser? Read this to judge yourself The stingy deny themselves little pleasures only to feed their need to hoard money. The end result can only be sheer misery. Should you invest in Bitcoins, crowd funding, P2P lending? While the returns have been satisfactory in many cases, others have lost money too. We look at the pros and cons of some alternative investing avenues. From our Partners Is your company making an impact on society? Read to find out How 2Good4Good establishes gold standard in ratings for CSR programs From our Partners Why is everyone talking about affordable housing? India's urban population is growing at an average 2.1% every year since 2015. Equity mutual funds are flush with cash: What does this mean for investors? Equity funds maintain some cash levels based on market valuations, liquidity purposes and fresh purchases, but the figure doesn't go beyond 6-7%. Laptops have changed: 7 tips on how to buy a new one There are a lot of factors to consider while choosing the suitable laptop for you. Here are 7 tips to help you in finding the perfect one. Here are all the benefits available to senior citizens Here's a list of some of the most useful facilities and benefits available to senior citizens in India to ease their financial burden. Best ways to use your bonus for different financial situations If you were lucky to get a fat bonus, here is a road map to help you decide where to invest it, based on your time horizon, risk appetite and tax bracket. From our Partners Toshiba, committed to 'Make in India' and 'Export from India' Toshiba, committed to 'Make in India' and 'Export from India' From our Partners How Mumbai's Dabbawalas are leveraging tech by offering digital services With the world and India taking digital leaps, the dabbawalla's too have found the need to embrace technology and offer click-based services.

Financial Calculators Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Demand for experienced professionals in construction is rising sharply There's a rise in demand for personnel in the construction and real estate sectors due to government's focus on affordable housing. Financial literacy should also teach you what not to do: Expert view While it's an essential tool, financial literacy programmes only focus on what you should do but pay no attention to what you should avoid. 7 thrifty habits you can learn from the rich World's affluent remain cautious spenders even after amassing their billions. Here are 7 lessons from frugal habits of the rich. 6 financial gifts you can give your mother Give your mother gifts that will shore up her finances and facilitate her long-held dream which she would otherwise never shell out money. How to link PAN to Aadhaar The Income Tax department has made provision for assesssees to link their PAN to Aadhaar on the efiling portal. Principal Emerging Bluechip Fund: Outperforming peers consistently The fund has outperformed both the benchmark (12.73%) and the category average (17.08%) giving a 7-year return of 18.32% Tax Optimizer: Why salaried Vasudeo should reduce PPF investment and buy ELSS Vasudeo is 25 and should, therefore, opt for the Aggressive Lifecycle Fund of the NPS which allocates 75% of the corpus to equities. Stock pick of the week: Why analysts are bullish on Yes Bank scrip Substantially higher loan growth compared to the industry average, rising margins and reasonable valuations, among other things, have made it top pick. SIPs should be the primary vehicle for small investors: Chandresh Nigam, Axis Mutual Fund The whole point of investing regularly through vehicles such as SIP is to not have to worry about market timing and valuations, says Chandresh Nigam. Family Finance: Paygude couple need to improve risk coverage, streamline investments Pune-based couple, Ashish & Ashwini Paygude, 34 & 31, will require Rs 8.8 crore in 26 years for their retirement. How much life insurance do you need? Do not rely on random numbers. The question that you need to answer is how the money your dependents are going to receive. Do women workers need additional tax benefits? Here's what experts say ET Wealth reached out to experts to know whether additional tax benefits is needed to encourage women joining the workforce. Smart things to know about Quarterly Average Balance QAB requirement varies from bank to bank, and is sometimes also based on the account holder's location (urban, semiurban and rural) and/or category of account. Aaveg Management Services helps manage transport needs of companies Aaveg seeks to capitalise on the need for better transport and mobility solutions by offering end-to-end corporate mobility solutions. Is e-buying suitable for every insurance policy? Find out Before you shop online, you need to understand the features of insurance policy correctly and get the quantum of your cover right. Alternative investment returns monitor: For the week ending May 10, 2107 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments.

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