Published Jun 30, 2025 4 Min Read

Introduction

5 retirement tax planning strategies that actually work

How are retirement taxes calculated?

Conclusion

Frequently Asked Questions

What is the best tax strategy for early retirement?

The best tax strategy for early retirement is to start investing early in tax-saving instruments like PPF, ELSS, and NPS. Spreading withdrawals across financial years, using deferred annuity plans, and keeping taxable income within lower slabs helps reduce tax liability. Planning asset allocation between tax-exempt and taxable sources ensures steady income with minimal tax impact.

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.