Plan

    Why loud budgeting is replacing ‘quiet luxury’ as the smartest way to build wealth in 2026

    Loud budgeting turns saving money into something bold and fun. Instead of quietly hiding your budget limits, people now openly explain why they're skipping pricey outings or plans. This Ti

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    Are you ready for Rs 2 crore shortfall shock in your retirement corpus? Here’s why inflation matters

    Inflation significantly erodes the purchasing power of savings, especially over long investment horizons like retirement. Failing to account for inflation, particularly in expenses like education and healthcare, leads to an underestimated retirement corpus. A balanced asset allocation is crucial for managing inflation risk and ensuring long-term financial security.

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    Home or retirement facility: How seniors should prepare financially

    Choosing a retirement facility over one’s own home will call for many financial decisions. Buying or renting the place; selling or renting the house; managing funds for routine monthly payments that would rise with inflation; estimating the contributions from others, especially children; and estimating healthcare and other expenses.

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    Are you reviewing your personal finances the right way?

    Start with what actually happened, your spending, saving, borrowing, and investing decisions and not just your plans. Beginning of the year can be a good time to see how much you’ve grown

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    Recession tax planning: How salaried staff and freelancers must think differently

    Recession tax planning: How salaried staff and freelancers must think differently

    Salaried and self-employed taxpayers face different risks during slowdowns.Smart use of 80C, 80CCD, capital gains and business deductions can protect income and liquidity.

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    Copper gave 50% returns in 2025: Should you add it to your portfolio like gold and silver? Know your options

    Copper prices surged 50% in 2025, outperforming major indices, driven by supply disruptions and rising demand from electrification and AI. Experts suggest a tactical allocation of 2-7% in copper for diversification, viewing it as an industrial play rather than a core holding. Investors can access copper through MCX futures, equity in copper-linked companies, or international ETFs.

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    Still using spreadsheets? How smart budgeting changed in 2026

    Budgeting in 2026 goes beyond listing expenses. It’s about understanding spending behaviour, setting clear goals, and managing money dynamically. With banking apps syncing seamlessly with

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    Probate no longer mandatory in these three metros: What repealing Section 213 means for wills and estates

    By removing Section 213 and amending Section 370(1) of the Indian Succession Act, the recently passed Repealing and Amending Act, 2025 places the wills of a deceased Hindu, Jain, Sikh, Parsi, or Buddhist person in Mumbai, Kolkata and Chennai on par with those in the rest of the country.

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    The big retirement reset: How EPF and NPS rules were rewritten

    Retirement planning saw major changes in 2025. Policymakers reformed EPF and NPS, making them more flexible and digital. NPS now allows easier withdrawals and higher equity allocation. EPF withdrawals are simplified into three categories. A string of new rules and changes ushered in a drastic transformation for EPF and NPS.

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    From missed chances to smarter moves: A better way to review personal finance

    From missed chances to smarter moves: A better way to review personal finance

    Review your finances, but do not beat yourself up about missing the boat or resolving to speculate in the coming year. Instead, identify and be more

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    The Economic Times