PensionBox BlogsA letter to my younger self

A letter to my younger self

05 Sep 20263 min read
Written By
Vanshika Agarwal
Vanshika Agarwal
PensionBox

Dearest reader, First things first, you’re going to make it in life. It’s definitely not cakewalk, but it sure isn’t something you cannot battle. No matter how terrible things seem, it’s not the end of everything. If it’s not okay, it’s not the end. In this moment, I would ask you to stay true to yourself and accept where you really stand When you’re younger you cannot fathom what old age truly is. After a lifetime full of great moments to cherish, there are some things that must be planned well in advance so that you can look out for yourself and your family. I am not sure if you wanted advice from an older self in order to make decisions. So even though you did not ask for them, here are a couple of bits of advice:

Build long term and meaningful relationships

Having your network and your people close really matters. Do not merely build situational and need based friendships. Have people who you can trust and be there for them when they need you. Do not end relationships on a negative note as they still irk me. Apologise and accept apologies before it’s too late.

Plan ahead.

Having a plan is essential. Even though things may not pan out the way you want them to, planning in advance is most essential. Plan for everything, your wedding, your holidays, your children’s education and retirement. It may seem absurd initially but as you understand your finances better you will get better at them.

Keep listening to yourself.

Listen to all the advice people give you, but do not get swayed. At the end, the decision is yours to make. If you feel like you aged more in the last 3 months than in the last 3 years. Do not compare yourself to others. Nurture those old good habits that you left a while ago. The road is still long, but the ride is worth it.

Have an open perspective towards Life.

To be alive is a precious thing. Don’t shun or accept things at face value. Question them and delve deeper into reasons on why it is that way. Don’t doubt how important you are. You can’t even imagine how important you are. It’s beautiful here today but it could have been different. You look different today, both inside and out. You probably did not expect to turn out the way you did. However, I can assure you would be surprised and proud at the same time. I know I owe you the wishes and promises you made to yourself along the way. I know I still have to take you places that were on your bucket list. Hence, I promise I will continue moving forward but without forgetting about you.

Lastly, don’t take yourself too seriously.

Nobody has it all figured out. Even with all the planning, give space for the benefit of doubt. You will stumble and that’s how you’re going to learn. Cheers to all of You, your past, present, and future. Cheers to all of You, your past, present, and future. Signing off this letter with a promising future would be something you'll feel relieved about afterward. What we mean by this is, let's secure your retirement for a better future, better comfort, and better everything. After all, who doesn't want that? Find your dream retirement today with PensionBox!

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Anjali Agarwal
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"Saving is an essential part of any employee’s life. With this integration, our HRMS users can directly invest and track their pension funds straight from their ESS portals, making the process seamless."
Jitendra Somani
CEO, Pocket HRMS
"Runtime HRMS is built with a vision to Create Happier Workplaces for the working population of India, and it neatly aligns with PensionBox’s vision to create financial freedom for people during and beyond their work-life."
Prashant Agarwal
Founder, Runtime Software
"Very intuitive and smooth experience with the app. Helps me start planning my savings and retirement in a super easy manner which I assumed might be difficult thing to do."
Anjali Agarwal
PensionBox User
"Saving is an essential part of any employee’s life. With this integration, our HRMS users can directly invest and track their pension funds straight from their ESS portals, making the process seamless."
Jitendra Somani
CEO, Pocket HRMS
"Runtime HRMS is built with a vision to Create Happier Workplaces for the working population of India, and it neatly aligns with PensionBox’s vision to create financial freedom for people during and beyond their work-life."
Prashant Agarwal
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"Easy to use and smooth user interface. Pensionbox developers deserve praise. People can plan their retirement in advance with this tool. Keep up the good work guys, looking forward for some more features added to the list."
Sourabh Mishra
PensionBox User
"One of the few apps that solves the problem of tracking and investing of my retirement Corpus. Ul is sleek, customer care is great and full marks for bug free experience"
Prashant jain
User since 7 months
"PensionBox addresses a very important need for billions of Indians who do not have access to the right resources to make an informed choice and then continue to track their funds easily."
Ninad Karpe
Founder VC, 100x.VC
"Easy to use and smooth user interface. Pensionbox developers deserve praise. People can plan their retirement in advance with this tool. Keep up the good work guys, looking forward for some more features added to the list."
Sourabh Mishra
PensionBox User
"One of the few apps that solves the problem of tracking and investing of my retirement Corpus. Ul is sleek, customer care is great and full marks for bug free experience"
Prashant jain
User since 7 months
"PensionBox addresses a very important need for billions of Indians who do not have access to the right resources to make an informed choice and then continue to track their funds easily."
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PensionBox is India’s first pension platform/app that helps you access, invest in, and track your NPS and other pension products with better user experience & minimum charges.

PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.

If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.
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Banks/POPs charges high fees on account opening & every investment Even CRA apps have hidden charges/low transparency & lack timely support Pension Funds restrict pension fund choice & selection to themselves.

That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.

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Tax Benefits in New Tax Regime
  • Employer Contribution:
    • Contributions made by your employer to your NPS account are tax-free up to 14% of your basic salary under Section 80CCD(2). Do connect us with your HR to enable this for you.
    Tax Benefits in Old Tax Regime
  • Self-Contribution:
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Grievance Redressal as per Regulation 31 of PFRDA (Redressal of Subscriber Grievance) Regulations, 2015:
The details of the Ombudsman appointed are available on the PFRDA website - www.pfrda.org.in At present, Shri Narender Kumar Bhola has been appointed as the new Ombudsman in terms of the PFRDA (Redressal of Subscriber Grievance) Regulations, 2015.


Details of the ombudsman are as under:

Shri Narender Kumar Bhola
Pension Fund Regulatory and Development Authority
B-14/A, Chatrapati Shivaji Bhawan,
Qutab Institutional Area, Katwaria Sarai, New Delhi- 110016
Chhatrapati Shivaji Bhawan,
Id: ombudsman@pfrda.org.in
Landline No.: 011 - 26517507 Ext : 188
Grievance Redressal Officer
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Email: sruthi@pensionbox.in
Name: Kuldeep Parashar
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Phone: +91 8445450050

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