NPS BALANCED LIFE CYCLE FUND
18 major NPS changes in last 6 months: New online withdrawal facility to changes in NPS transaction statement
New NPS rules: The National Pension System CRAs registered with the Pension Fund Regulatory and Development Authority (PFRDA) are consistently improving their systems. Here are the important NPS functions recently announced to enhance user experience and operational simplicity.
New NPS investment option Balanced Life Cycle Fund to help you build bigger retirement corpus; PFRDA to launch it in July-September
NPS Balanced Life Cycle Fund by PFRDA: The NPS auto choice option is suitable for those NPS subscribers who find it difficult to decide when and how much to invest in each asset class. As the equity exposure reduces each passing year, the NPS subscriber does not need to manage the allocation according to the risk appetite actively. Now the equity exposure in the Balanced Life Cycle Fund has been increased till the age of 45. So several young NPS customers will benefit from it.
PFRDA to introduce new life cycle fund option by September
Life cycle fund provides an option of investment to subscribers and allocation of equity and debt depends on the option chosen by them. There are different investment choices (Auto/Active) for tier-1 and tier-2 National Pension Scheme (NPS) accounts.
Retirement planning: Where to invest to retire at 55
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
Own midcaps? Do a check & balance exercise to avoid decision of haste: 7 midcaps from different sectors with an upside potential of upto 49%
Every now and then the market goes through phases, where it prefers a certain set of stocks, not based on sector but based on the overall market cap. So, sometimes it is large caps, at other mid-caps. Now this partially happens, due to the flows which are coming to markets. For example, if more flows are coming to mid-cap or multicap schemes there is bound to be out performance in the mid-cap space. Now what it does is that it tends to create a sudden surge in mid-cap. Similarly when there is an outflow like the kind of one which we saw in March this year, midcap stocks tend to decline sharply. Essentially, it is the flows which impact the broader matrix of how midcaps behave. So there are phases not owning a midcap stocks appeared to sin and then there phase, where owning them appears to be sin. But if one focuses on the underlying business and some critical parameters, there is a possibility of getting rid of these phases of anxiety which keep coming to the street and create long term wealth.
I received Rs 70 lakh after retirement. Where should I invest this amount for good return?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
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I received Rs 18 lakh from sale of ancestral property. Where should I invest this money for the next 3-5 years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Where should I invest Rs 1 crore to get monthly income of Rs 1 lakh?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Rs 8 crore retirement corpus: How aggressive savings can make early retirement possible
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
ETMarkets Smart Talk: Market valuation key risk! Sampath Reddy is betting on pharma, QSR & financial sectors in FY25
Sampath Reddy discusses market risks in FY25 due to elevated valuations, emphasizing the pharmaceutical sector's potential. He advises favoring large-caps, notes SEBI's stress-test for MF schemes, and highlights post-election sector benefits. Reddy also says: "We expect that equity returns maybe a bit subdued in FY25 compared to FY24, even though the long-term India growth story remains intact."
Even for long-term investors, putting more checks and balances is the key: 4 largecap stocks with upside potential of up to 26%
While Nifty and Sensex have seen some respite and given the fact that few mega stocks have the ability to push indices even higher, one cannot rule out the possibility of reading the headlines “ nifty forms a new high” very soon. But as we have seen in the recent past, what nifty does and what is happening in the broader market can be very different. So, it would be better to focus on what is happening in sectors and companies, are there some tailwinds that are likely to lead to better overall growth of the sector and hence the companies. Even in those sectors stick with companies that have a proven track record of surviving economic cycles and on financial parameters they are better placed than others. Because it is finally the earnings which will determine whether the stock is able to outperform or underperform broader market indices. We take a look at four stocks where on two parameters, that is net margins and return on equity, the companies are clearly better placed and there are clear sectoral tailwinds.
Is there still value on the table in PSUs for the long haul? Gautam Sinha Roy explains
Gautam Sinha Roy from ICICI Prudential Life Insurance discusses the recent market corrections, noting that there are opportunities in individual stocks. The Covid period presented short-lasting sharp opportunities, with corrections more in smallcaps. The present corrections have not provided as good opportunities though one can look at the aviation and airport theme, PSU, utility sectors as well as the T&D space.
ETMarkets Smart Talk: After a blockbuster FY24, watch out for rupee depreciation and monsoon in FY25: Dr Poonam Tandon
Dr. Poonam Tandon provides insights on market volatility, SEBI's valuation concerns, election-driven spending, and the semiconductor industry's growth potential. Investors should focus on quality companies and monitor geopolitical risks for FY25 investments. Dr Tanson says: "Given the sharp rally in the broader markets and frothy valuations in a few pockets, our current stance is conservative."
Those serious about retirement aren’t attracted to NPS tax benefits: Santosh Agrawal, Policybazaar
"NPS is a good product, but it’s just accumulation and then it invests in annuity. People know of the NPS because of tax benefit, but Rs.50,000 is not a meaningful amount," says Santosh Agrawal, CBO, Life Insurance, Policybazaar.
Aditya Birla Sun Life Mutual Fund introduces daily SIP facility in 30 schemes
The fund house said that under daily SIP, the investor can invest a fixed amount into the scheme on a daily basis. The minimum amount under daily SIP shall be Rs 100 and in multiples of Re 1 thereafter with minimum 60 instalments.
With more checks and balances for better risk management: 4 midcap stocks with potential upside of up to 25%
After a relentless rally for the last ten months, the mid-caps segment of the market is witnessing some profit booking/ correction/ rational shifting/ consolidation. Why slash ? Because, the way stocks are moving, there is no one trend in mid-cap space. Some are coming down just because they have moved very fast, some of the stocks where are literally hardly any fundamental, like the ones where the companies are under IBC and still quoting at half a billion dollars market cap. So there are many sub segments which are getting formed in mid-cap space and given the mix of head and tailwinds, this segmentation is likely to see an increase. So, one will have to do two things, one be bullish but be more selective and focus on managing risks.
How NPS investment of Rs 50,000 can help you save more income tax
NPS deduction of Rs 50000: Under the old tax regime, an individual can claim additional deduction of Rs 50,000 for NPS investment made. This deduction is available over and above Rs 1.5 lakh available under Section 80C of the Income Tax Act. With full utilisation of Section 80C and additional NPS investment, an individual can claim total deduction of Rs 2 lakh in a financial year.
Lodha raises $400 million QIP from investors including Invesco Oppenheimer, Blackrock, APG
Realty developer Lodha, listed as Macrotech Developers, has raised $400 million or over Rs 3,300 crore from global and domestic institutional investors including Invesco Oppenheimer, Blackrock, Carmignac, APG, and HDFC Life with an issue of equity share sale through qualified institutional placement (QIP).
Use current rally to dump underperformers, hike SIP amounts by 5% every year to reach goals
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
Which mutual fund schemes should I invest in for maximum wealth creation?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
ETMarkets Fund Manager Talk: This Rs 3 lakh crore asset manager sees market returns tracking earnings growth in 2024
Mahesh Patil says: "As the market starts to factor in rate cuts, and dollar weakens, one should expect FII allocations to India also improve as India offers the best growth amongst all major economies. With Nifty valuation only marginally above the long-term average, we expect market returns to be tracking overall earnings growth."
F&O is almost always a path to financial destruction if you are a ...
Those who suffer a big disaster in the beginning are lucky. The ones who are the worst off are the maximisers who win a few, then lose a few more, bleeding cash over time, and eventually suffering a slow and deep disaster. This obsessive pursuit of exponential returns through derivatives ends in financial ruin.
NPS new rule: With systematic lump sum withdrawal, will returns from NPS be tax-free till age of 75?
NPS systematic lump sum withdrawal: After the latest changes, NPS investors will now have the option to withdraw 60% of their retirement corpus either as a lump sum at once or they can get paid in a phased manner through the systematic lump-sum withdrawal facility post-retirement. If you are planning to opt for a systematic lump-sum withdrawal of your NPS corpus at the time of retirement, you must know how it works and will be taxed. Read on to find out.
ETMarkets Smart Talk: Banks, Capital goods among top 5 sectors to bet on in 2024: Ajit Banerjee
Though the fundamentals in the Indian market appear to be strong presently driven by easing inflation and growth in corporate earnings in just concluded quarterly results, investors need to be mindful about the developments happening in global economic and geopolitical developments as well as upcoming general elections in India next year.
70 hours of work a week: Author Robin Sharma disagrees with Narayana Murthy, says it's not about how long you work
Earlier, CP Gurnani, CEO and MD of Tech Mahindra, expressed his support for Murthy's idea, stating that work should extend beyond the confines of the workplace and encompass personal growth and national development.
Sustaining Excellence: Managing Mature Products in the Life Cycle
Managing mature products in the product management lifecycle is crucial for sustained success, revenue generation, and customer loyalty. Mature products contribute significantly to a company's revenue and market presence. They can also serve as platforms for innovation and provide a competitive advantage.
Want maximum returns from NPS? Know best-performing National Pension System funds, how to choose pension fund manager
The choice of pension fund managers has broadened. Now, there are 10 pension fund managers to choose from. NPS investors are also allowed to switch their pension fund once in a year. From this year onwards, the PFRDA has allowed investors to spread their investments across three different pension fund managers. ET Wealth identifies the best performing NPS funds to help investors decide which pension fund manager they should go with.
Retirement Planning: How to save for your retirement
Financial planners suggest a retirement corpus target that is about 20 times your annual income. While some feel that 30 times can be a better figure as it will take care of inflation.
Retirement planning: Five retirement-focused investment products
Selecting the right financial products is important when saving for retirement. For post-retirement income, there are five investment products to choose from.
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