Aprajita Sharma
Financial journalist @livemint; Co-author, Big Bull of Dalal Street; AJF Fellow, 2021
Articles
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1 week ago |
livemint.com | Aprajita Sharma
Many people who have retired or achieved financial independence early earn income from renting out real estate. However, relying primarily on rental income isn't wise, especially for senior citizens. What if your property remains vacant for a few months, or a tenant occupies it by force? Allahabad resident Anindita Basu's relative had such an experience. "The tenant had been living in her apartment for many years.
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1 week ago |
htsyndication.com | Aprajita Sharma
New Delhi, April 17 -- Many people who have retired or achieved financial independence early earn income from renting out real estate. However, relying primarily on rental income isn't wise, especially for senior citizens. What if your property remains vacant for a few months, or a tenant occupies it by force? Allahabad resident Anindita Basu's relative had such an experience. "The tenant had been living in her apartment for many years.
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1 week ago |
livemint.com | Aprajita Sharma
Employees contribute 12% of their basic salary to the EPF and the employer matches the contribution. If someone wants to invest more, they can do so through the Voluntary Provident Fund (VPF). In fact, 100% of your basic salary can be invested in EPF and VPF combined. The EPF contribution stays at 12% and the VPF contribution can go up to 88%. The employer, however, only matches the employee's EPF contribution.
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2 weeks ago |
livemint.com | Aprajita Sharma
UPS offers a guaranteed pension for life and 60% of it for your spouse. NPS, on the other hand, allows you to withdraw 60% of the corpus as a tax-free lump sum and invest the remaining 40% into an annuity to receive a pension. You are free to invest the lump sum wherever you want to generate regular income. Which system is better? Let's explore the nuances to find out. How UPS worksIn UPS, 20% of your basic pay + dearness allowance (DA) goes into creating your corpus.
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2 weeks ago |
livemint.com | Aprajita Sharma
One way is to buy a multi-year insurance policy in which you have to pay the entire premium at one go. The overall outgo will be less than what you would have paid yearly for the same period. For example, if you pay three premiums at one go, the total cost will be less than paying annual premiums every year for three years. A couple of insurers have started offering five-year policies with a one-time premium payment.
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NPS vs UPS: Which pension path should central govt employees choose by June 2025? ✅ Fixed pension vs flexible corpus ✅ Defined returns vs market-linked growth ✅ UPS inflation protection vs NPS early access Credit Story by @apri_sharma, shared by @ActusDei 👇 https://t.co/gMaQIlecXh
Do you get rental income? Is rent a part of your retirement plan? Please share your experience with us for a Mint story. DM or mail me here: [email protected]. @ActusDei @livemint
