Financial Planning

Starting early can turn modest investments into long-term financial autonomy, providing the freedom to change jobs, take a sabbatical or pursue a different career.

Annual rebalancing helps investors correct asset-allocation drift, manage risk and restore their target portfolio mix without reacting to market noise.

Financial freedom is only half the journey. The harder question is what you want your money to make possible once you no longer need to work

A step-by-step guide on how to recover systematically from overspending and regain long-term financial discipline

How to pare discretionary expenses, handle investments and debt, and migrate from a group to a personal health insurance policy

Missing contributions or stopping midway does more damage to investments than market falls

Credit utilisation ratio should remain below 30%

Before modifying investments or changing your lifestyle, calculate the cash you can access within 24 hours

Assess the policy's returns, risks and liquidity restrictions, and ensure that you can sustain the premiums throughout its term

Balance your goals by fulfilling present financial needs and long-term security

Before investing in any product, you must know what the money is for and when you will need it

They should work as a team and plan for their retirement by saving money together

An emergency fund can help cover out-of-pocket medical costs such as diagnostic tests, medicines, and other payments

Behavioural biases, visible fees and regulatory hurdles keep financial planning niche; experts say easier fee collection could widen access

Couples blame financial disputes as cause for marriages breaking down, it says

Scared of maths and calculations? He was too, this young writer's story proves that anyone just starting out can build financial confidence and take control of their money.

IT professional trapped in 'house rich, cash poor' cycle despite earning monthly salary of Rs 2,20,000

Open communication about money, expectations and contributions is key, and a shared vision should guide investment strategies, liquidity management, and succession plans

Unnecessary competitiveness shifts our focus from our own destination to imagined races. It turns a fulfilling long-term journey into a relentless sprint that leaves us tired and anxious

New interest rates on fixed deposits come in; PF withdrawals become easier