Should you use retirement savings to repay home loan at 60
Retiring with an ongoing home loan forces a tough choice: use retirement savings to clear the debt or keep paying EMIs and preserve the corpus. Experts quoted by Livemint say there is…
All posts tagged in personal finance
52Articles
5 steps to break free of EMI trap and regain control
Multiple EMIs can quietly eat into monthly income, leaving little room for savings or emergencies. Financial experts advise borrowers to start by listing every active EMI and comparing the total to take-home…
Gen Z needs budgeting, smart investing and financial discipline
A Money Today special episode on financial habits for Gen Z features Pankaj Matpal, founder of Optima Money Managers, who emphasises the importance of budgeting, early investing, and managing expenses. The discussion…
New vs pre-owned car: Total cost of ownership key for buyers
A budget of Rs 10-15 lakh for a car forces buyers to choose between a new lower-end model or a pre-owned higher-end model, according to livemint.com. Financial experts advise comparing the total…
Health insurance renewal: key points on sum insured and terms
As health insurance policy renewal season approaches, policyholders must review their sum insured, policy terms, and evolving healthcare needs before renewing. The sum insured should be sufficient to cover current medical costs,…
3 questions to ask before taking a second home loan
Taking a second home loan while repaying an existing one is possible in India, but lenders will assess your repayment capacity, income, credit history, job stability and the new property. You can…
Late-start retirement investing: focus on savings, not returns
Two personal finance articles advise that starting retirement investing at 40 or 45 with little corpus does not require chasing high returns. Livemint quotes Krishanu Choudhary of Anand Rathi Wealth, who says…
Chanakya’s Arthashastra offers 5 timeless investment lessons for 2026
The Arthashastra, the ancient Indian text on statecraft attributed to Chanakya (also known as Kautilya), provides principles that can be adapted for personal finance in 2026. The text, written between the 4th…
Combine regular and step-up SIP for long-term wealth growth
Investors can run both a regular Systematic Investment Plan (SIP) and a Step-Up SIP simultaneously to create a hybrid wealth-building strategy. In a regular SIP, a fixed amount is invested each month,…
AI layoffs challenge 3-6 month emergency fund rule, experts say
The standard advice to save three to six months of expenses for an emergency fund may no longer be enough in 2026, as AI-driven job losses and economic uncertainty grow. Oracle recently…
