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Business News > Mint Authors > Ravi Saraogi

Ravi Saraogi

ARTICLES BY RAVI SARAOGI

While simulations remain essential for detailed planning, distilling a complex engine into a simple equation makes retirement planning more transparent.

Why UPS pensions are hard to replicate through NPS

3 min read . 09 Mar 2026

While simulations remain essential for detailed planning, distilling a complex engine into a simple equation makes retirement planning more transparent.

How much can you safely withdraw from your retirement corpus?

3 min read . 20 Jan 2026

The reason you may want to use a bucket strategy is not because it has an edge in delivering higher withdrawals, but because it can provide emotional comfort.

Retirement planning: Why bucket strategies don’t protect against sequence risk

2 min read . 13 Jul 2025

Beyond a point, increasing equity allocation will reduce, not raise, the withdrawal rate. (Pixabay)

Why more equities won’t save you from low withdrawal rates in retirement

3 min read . 09 Jun 2025

Indian retirees may need to withdraw less than 4% annually as past returns may not repeat. (Image: Pexel)

Why historical data on withdrawal rate misleads Indian retirees

2 min read . 01 Jun 2025

India has only about 995 RIAs, compared to about 150,000 mutual fund distributors and more than 2 million insurance agents.

Sebi's proposed changes can spruce up investment advisory regulations

3 min read . 17 Sept 2024

Regulations have made good progress in mandating various disclosures to make PMS more transparent.

PMS providers need to start disclosing historical NAV of their strategies

3 min read . 29 Apr 2024

Should you opt for higher pension under the Employee Pension Scheme?

Should you opt for higher pension under the Employee Pension Scheme?

3 min read . 03 May 2023

Why tax arbitrage argument is not valid for the change in debt fund taxation

3 min read . 12 Apr 2023

Get ready for a change in direct MF platforms

3 min read . 30 Aug 2022

If the markets do such a bad job of pricing securities, where is your yacht?

3 min read . 05 Feb 2021

Gold bonds: Price has been fixed at ₹4,852 per gram

Opinion | Gold and forex reserves cannot finance India’s stimulus

4 min read . 22 Jul 2020

Systematic investment plans don't reduce the risk of investing in equities

3 min read . 31 May 2020

When it comes to equity investing, long term is a lot longer than you think

4 min read . 13 Apr 2020

Budget 2019 has led to a huge tax arbitrage between debt AIFs and debt MFs

3 min read . 29 Jul 2019

Opinion | Decay of capitalism and an elixir called universal basic income

4 min read . 24 Feb 2019

A key agenda for discussion in Monday’s RBI board meeting will be the framework for distribution of surplus from the RBI to the govt. Photo: Mint

Opinion | Misconceptions about an RBI special dividend

4 min read . 19 Nov 2018

Events revolving around the multi-notch downgrade of IL&FS last month have caused a liquidity squeeze for the entire NBFC sector. Photo: Aniruddha Chowdhury/Mint

Opinion | A nuanced understanding of the NBFC sector

5 min read . 12 Nov 2018

Of the $43 billion of FDI inflows which India received in FY17, $24 billion was invested via Mauritius and Singapore. Photo: Bloomberg

On-shoring offshore funds to India

4 min read . 27 Jun 2017

Aniruddha Chowdhury

Uniformity in fund taxation: Close, but not there yet

4 min read . 14 Mar 2016