Do you have enough savings to retire comfortably, especially with the cost of living rising rapidly? With ageing, medical needs arise, and in-patient treatment becomes way too expensive. Your existing savings and investments may not be enough to give you a comfortable life after retirement. You need a proper retirement plan, and this is where an annuity table become important.

Experts advise opting for life insurance along with long-term wealth generation assets. It ensures your funds stay invested in the market, even in case of an unexpected incident, thus securing your family’s long-term financial goals. As new investors seek balanced returns, ULIP returns in 5 years can help build confidence, particularly owing to the inclusion of life cover.

OPD vs IPD refers to two types of medical care covered under health insurance. OPD includes doctor consultations, tests, and treatments without hospital admission, while IPD covers expenses when a patient is admitted for at least 24 hours. Understanding the difference helps in choosing the right coverage and managing healthcare costs effectively.

Managing finances can sometimes seem difficult, like solving a complex puzzle. Still, it is a necessary skill for everyone - salaried individuals, businessmen, homemakers, etc. At its core, money management is not about the size of your income. It is about ensuring that you do not get into debt, can face emergencies, and spend and save wisely.

Before you start a new investment today, know about the applicable tax rates. ULIPs can be a good choice to leverage the dual benefit of life insurance and market-linked investment in a single plan. However, ULIPs have attracted multiple charges and taxes in the past. Recent GST reforms have changed the entire horizon of ULIPs, including GST on ULIP premium, effective from 22 September 2025.