'Younger employees, who tend to have a higher risk appetite, will find NPS advantageous due to the potential gains from equity markets over time.'
Before opting for this scheme, consider how EPS is calculated.
'Banks will continue to increase FD rates to attract more deposits and meet the increasing demand for credit.'
Senior citizens should avoid putting their entire retirement corpus in SCSS.
Make sure buying a house won't lead to compromises on other crucial financial goals.
Rebalance the portfolio at least once a year to ensure it remains in sync with the target asset allocation.
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'People who have unaccounted money often park it in unregulated deposit schemes.' 'Curbing illegal deposit-raising activity will also carry forward the government's drive against black money.'
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The raising of the entry age in NPS has opened up an attractive new investment avenue for senior citizens, says Arnav Pandya.
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A mistake here can prove costly.
Raise in NPS entry age gives seniors another retirement-saving option but they should invest at least Rs 50,000 to avail of the additional tax benefit scheme provides, reports Sanjay Kumar Singh
Keep a close eye on credit quality, financials of NBFCs before investing. These instruments should not constitute more than 15 to 20 per cent of your debt portfolio.
Raising equity exposure to 50 per cent in the National Pension Scheme will benefit young investors, provided they can stomach higher volatility.
Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock in to instruments offering higher returns.
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'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
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Since there are many and complicated choices, retail investors stand to benefit
Now that the National Pension Scheme offers more choices than the Employees Provident Fund, is more transparent and also allows to choose the level of allocation to equities as investors like, should one switch to the NPS?
Goals like buying a car or travelling abroad are short-term goals whereas purchasing a house or retirement planning are medium and long-term goals.
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If the changes being considered by the EPFO become a reality, investors may have to be more active in deciding equity preference and when to withdraw money, reports Sanjay Kumar Singh
The aggressive life cycle fund will allow equity exposure of up to 75%, up from the current limit of 50%.
Ponzi schemes have characteristics that the informed investor can spot easily.
Ajit Mishra, vice president, Research, Religare Broking, answers your queries.
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
Investors should avoid jumping from their current funds into those that have outperformed lately, advises Arnav Pandya, a certified financial planner.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
Novices should enter markets via SIPs of equity mutual funds.
If the refund is wrongly adjusted against any past tax liability, immediately clarify it online
