Home › Life stages › Peak earning
Peak earning
The money decisions you make now can decide how comfortable your retirement will be.
Your income may be at its highest during these years, but mistakes can also be costly. Focus on understanding your existing investments instead of always looking for a new product.
8 of 8 lessons published
How to divide your investments
Why the equity-debt mix drives your results more than any fund you pick — and why rebalancing works over time.
02What each type of investment is meant for
Every asset has one job — equity grows, debt steadies, cash waits, gold protects. Match each to its time available.
03EPF, PPF and NPS: what each one does
What EPF, PPF and NPS each do, the current rates, and the tax points worth verifying before you act.
04Why markets fall and what you should do
Why falls are normal, why the recovery only reaches those who stay invested, and why doing nothing is the discipline.
05Financial products you should avoid
The poor deals dressed as careful choices — bundled insurance-investment, guaranteed-return plans — and the one filter that catches them.
06Simple and legal tax planning
Use the deductions allowed by law using genuine deductions — and never buy a product for its tax break.
07Higher education: use savings or take a loan?
Pay from fund, take a loan, or blend — and the rule that is more important than all: never fund education from retirement.
08When to bring in an adviser — and which kind
When advice earns its cost, and the distinction that matters: paid by you means advice, paid by commission means a sales pitch.