So what is an annuity, and why you need to buy it? Let us tell you all about it. On maturity, which is when you turn 60, 60% of your corpus is transferred to your bank account, while the remaining 40% you have to buy an annuity product necessarily. It’s managed by PFRDA (Pension Fund Regulatory and Development Authority) and available to all Indian citizens (resident or non-resident) between 18 and 65 years old. The NPS is a voluntary retirement scheme through which you can create a retirement corpus or your old-age pension. You can access these savings options earlier than you retire, unlike the NPS (national pension system), which compels you to stay locked-in till you retire. For instance, the EPF and PPF are oriented towards retirement savings there is no compulsion to stay invested in them till you actually reach retirement. There are very few financial products that are strictly focused on retirement savings. The shift has taken away the entire pension safety net, as now on how much monthly pension you receive is a factor of how much you save towards a retirement corpus. There has also been a policy shift with defined benefit pension giving way to defined contributions. However, over the past couple of decades, the cost of living has gone up, disturbing the best-planned pension plans. They were financially comfortable with what they got as a defined pension. The pension that they received was, in most cases, linked to their last drawn salary, which meant that most of them did not have to worry about pension being lower than their expenses. (If you don't see a small thumbnail image of your picture on the album page, click the reload or refresh button of your browser.) Click the thumbnail to load the large image.There was a time when salaried individuals with pension benefits could look forward to their retirement. When the uploading is complete, click the Back to Album link in the left sidebar. Original images will not be saved on the server. A thumbnail image will also be created automatically. If you can edit your photos to those specifications beforehand, the upload process will be a bit faster, but this is not critical. Uploaded images will be automatically resized to a maximum of 600 pixels in either direction, and a maximum file size of 150KB. It may take a minute or longer for each photo, depending on your connection speed and the size of the file. Then click the Add Items button at the bottom of the page. Please enter the scientific and/or common name of the species here, or the people or events pictured, The location and name of the file should show in the File field.īelow the file name, there is a Caption field.
Find the file name of your photo on your hard drive, click it once, then click Open. Open the year and then the month the photo was taken, then click Add Items on the left hand sidebar (or Add a photo! if the album is empty).Ĭlick the first Browse button. To post a photograph, first login to the Gallery. It's okay if you can't do this, but all photos will be renamed in this way for consistency if need be.
Before you upload: If you can, please rename your photo to be the species name of the subject, e.g., Cardamine oligosperma, or the subject of the photo if it is not a plant, e.g., Annual Meeting 2006.
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