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Dormant PF account will earn interest till the holder attains retirement age

New Delhi, June 24 -- I migrated to Australia on a permanent resident visa last month. I have a provident fund (PF) account in India which I have maintained for eight years. How long will my PF accoun... Read More


If your financial goal is three years away, savings need to be more debt-oriented

New Delhi, June 17 -- I am 31, married with no children. Our total family monthly income is Rs.3 lakh of which Rs.1.5 lakh is monthly expenses, including EMIs. I want to invest the remaining Rs.1.5 la... Read More


Consider investing in direct stocks only if you can monitor portfolio proactively

New Delhi, June 10 -- I want to invest for my six-year-old child for the next 30 years. Please suggest a few mutual funds or direct equity investments that I can invest in. -Deepak Your investment p... Read More


Consider higher exposure in equity if the investment horizon is long-term

New Delhi, May 27 -- I am 31 years old and have a monthly expenditure of Rs.50,000. How much money should I have after retirement (29 years from now) to continue with the same lifestyle? How much mone... Read More


PF corpus is taxable if it is withdrawn before five years of continuous service

New Delhi, May 20 -- I worked from June 2013 to May 2017 for a private firm after which I left my job for further education. Due to this, there was a break of two years and two months (as per my new j... Read More


Increase savings every year to ensure inflation does not eat into the corpus

New Delhi, May 13 -- I have twin daughters and they are 17 years old now. We intend to get them married at 26 or 27. My goal is to create Rs.50 lakh for each wedding. I can invest Rs.60,000 in systema... Read More


One way to beat inflation in long term is to hike savings every year

New Delhi, May 13 -- I have twin daughters and they are 17 years old now. We intend to get them married when they are 26 or 27. My goal is to create Rs.50 lakh for each wedding. I can invest Rs.60,000... Read More


Post retirement, interest earned on PF becomes taxable

New Delhi, May 6 -- I retired at the age of 65. Now there is no contribution being made to my Employees' Provident Fund (EPF) account. Will it continue to get interest as declared from time to time? ... Read More


Income tax implications of PF withdrawal

New Delhi, April 29 -- Clause on continuous service of 5 years can't be availed if there is gap in PF contribution As we know, provident fund (PF) is taxable if withdrawn before completion of five ye... Read More


Systematic withdrawal plan is the most tax-efficient way to get regular income

New Delhi, April 22 -- My father is retired now and he has one small parcel of land, a flat that has been rented out and a corpus of Rs.80 lakh. What is the best way to invest this money so he can hav... Read More