Imagine your money has a leak. Every day, a little bit of its value drips away, not because you spent it, but because its purchasing power is shrinking. This is the reality of a depreciating rupee. When the rupee falls against the US Dollar, the money in your pocket buys less of the world’s goods….
The “Pizza” Problem: Why the Old NPS Rule Was Broken Imagine you have ordered a massive 12-inch pizza (your retirement savings) for dinner. Under the old rules, the restaurant manager (PFRDA) forced you to eat 6 slices immediately (60% Lump Sum) right at the table, whether you were hungry or not. The remaining 4 slices…
Imagine you own a mango tree that produces mangoes every month. You have two ways to earn money from it: Option A (Dividend/IDCW): Sell the mangoes every month. But here’s the catch—the government taxes you on the full selling price at your personal income tax rate. If you’re in the 30% bracket, you keep ₹70 out…
