10 articles
Quick, definitive answers to the most common questions about personal finance, taxation, real estate, and early retirement in India.
FAQ: What is the Safe Withdrawal Rate in India 2026?
Quick Answer: The 4% rule is dead in India. For a 30-year retirement, you must use a 3.3% to 3.5% SWR.
FAQFAQ: How to Avoid Lifestyle Inflation with Salary Hikes?
Quick Answer: Use the 50/50 rule. Every time you get a raise, automate 50% of it into a Step-Up SIP …
FAQFAQ: Can an NRI Continue Their PPF Account in India?
Quick Answer: Yes, you can continue a pre-existing PPF account until maturity, but you cannot open a…
FAQFAQ: How to Offset LTCG Tax on Mutual Funds Legally?
Quick Answer: Use Tax Harvesting to book ₹1.25 Lakhs of tax-free profit every year, and offset remai…
FAQFAQ: Rent vs Buy House for FIRE in India?
Quick Answer: Mathematically, renting and investing the difference always wins in India due to high …
FAQFAQ: How Much Emergency Fund Do I Need in India?
Quick Answer: For salaried professionals, 6 months of expenses. For freelancers or early retirees, 1…
FAQFAQ: How to Track Illiquid Real Estate in Net Worth?
Quick Answer: Never include your primary residence in your FIRE corpus. Treat investment real estate…
FAQFAQ: Will EPF Interest Rate Drop in the Future?
Quick Answer: Yes. As India's economy matures, the sovereign bond yield will drop, pulling the EPF i…
FAQFAQ: What is a Good Net Worth for a 30-Year-Old in India?
Quick Answer: The benchmark for a 30-year-old pursuing FIRE in India is ₹50 Lakhs to ₹1 Crore in liq…
FAQFAQ: How to Calculate Healthcare Inflation for Retirement?
Quick Answer: General inflation is 6%, but medical inflation is 14%. Here is how to model healthcare…