Retirement is not the end of financial responsibility — it is the beginning of a completely new financial chapter. For millions of Indians who have spent decades earning, saving, and investing, the post-retirement years bring a fresh set of challenges that demand careful thought and deliberate planning. Financial Planning...
For those who have just hung up their boots after decades of service, retirement is supposed to be a reward. It’s a time for leisure, family, and personal pursuits. Yet, for many, this new chapter is fraught with a set of unique and acute financial anxieties. Retirement planning in...
The Supreme Court took a decision on 4th November 2022 to allow higher pensions to eligible employees under the Employees’ Pension Scheme, 1995 (EPS-95). Following this decision, many are concerned about the eligibility criteria to opt for a higher pension. Before trying to understand whether you are eligible for...
Have you thought of retirement as a phase of your life? You must have got a sense of your ideal retirement age. You should have made certain plans based on that timeline. Do you have a retirement plan in place? If yes, that’s great! Now, imagine a situation which...
If you are planning to retire early, please accept that you’re not the only one. Are you inspired to retire early or is it just a vague desire? If you are influenced by the FIRE movement – Financially Independent Retire Early, please do not get too carried away. Retirement...
Retirement planning in India is the process of estimating future living expenses, building sufficient savings and investments, and arranging those assets to provide sustainable income after regular employment income stops. A well-designed retirement plan considers inflation, healthcare costs, life expectancy, taxes, existing retirement benefits, dependents and the lifestyle a...
As a teenager you might have thought that life after retirement would be like a calm sea and there would be no struggle. Life is not fairly so simple. In reality, we have too many commitments. Retirement means you’re not retiring from life but you’re retiring from your workplace....
A casual investor usually has less knowledge. He doesn’t follow calculated investment strategies. During business cycles, he’s the first ones to behave oppositely. Markowitz portfolio theory attempts to nail down investment decision-making in terms of risk and return. A casual investor ignores financial goals and respective planning horizons, thereby,...
Investment strategies are naturally linked to your Financial Plan. Investment covers wide range of activities (investment vehicles) like investing money in certificates of deposit, bonds, equity shares or mutual funds, tangible assets, such as gold or other precious metals, real estate etc. All investment vehicles are good but not...
Having a Financial Plan, reviewing and monitoring the Financial Plan are indispensable processes in prudently managing your personal finance. You can’t deny the relevance any more in current rapid socio-economic changing scenarios. Like others, it’s not an exception for retirees. Rather it’s more important. Transitioning from accumulation phase (retirement...
REGULATORY DISCLOSURE
Arijit Sen is a SEBI Registered Investment Advisor [INA300012723].Â
Below details are mentioned from SEBI’s SCORES portal as of May, 2026 as mandated by SEBI
| DETAILS | NO. OF COMPLAINTS |
|---|---|
| At the beginning of the month | 0 |
| Received during the month | 0 |
| Resolved during the month | 0 |
| Pending at the end of the month | 0 |
| Reason for pendency | N.A. |
As per SEBI Circular No. SEBI/HO/OIAE_IAD-1/P/CIR/2023/131, dated July 31, 2023, link to Online Dispute Resolution: https://smartodr.in/login