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    New NPS contribution rule: PFRDA reduces timeline of contributions made from July 1; three important things to know

    New NPS rules: The new NPS contribution timeline allowing for same-day investment will come into force on July 1, 2024, as per a circular issued by PFRDA on June 28, 2024.

    Groww user alleges 'fraud', says app shows mutual fund investment but can't redeem, company denies; what are lessons for MF investors?

    Groww faces 'fraud' allegation: A customer's complaint against Groww, has sparked concerns over investment safety via execution-only platforms (EOPs). The investor alleged via social media that investments made through Groww could not be withdrawn despite the app showing them as invested. Groww responded, asserting no deduction occurred and the mutual fund transaction did not take place. The incident underscores broader worries among investors about data reliability on fintech apps. ET Wealth delves into the details surrounding the incident. What could mutual fund investors learn from this incident?

    S.W.A.T season 8 release date, cast: What we know about CBS hit show

    S.W.A.T season 8 cast and release date are frequently searched topics among fans. We have latest information for viewers.

    4 different types of systematic investment plan (SIP) where you can invest

    Systematic investment plans (SIPs) are an effective tool for investing in mutual funds for the creation of long-term wealth. SIPs allow investors to put in fixed amounts at predetermined intervals. Here are the different variants: Full: Centre for Investment Education and Learning (CIEL)

    Jigar Mistry on five sectors where investors can allocate fresh capital

    Mutual funds, if you look at the smallcap number of folios, that has gone up 4x in under three years. We have now more smallcap folios than midcap or largecap number of folios.

    How to save Rs 1 crore in 10 years, 15 years, 20 years: Check how much you need to invest every month

    Path to becoming a crorepati? Owning Rs 1 crore is an investor's dream. Strategic investments, like SIPs in equity funds, can help reach that goal. Regular investing and a long-term view are crucial. Even a Rs 1,000 SIP can grow substantially over time, thanks to compounding. Disciplined investing is key to turning your crorepati dream into reality. Here is how to accumulate Rs 1 core from mutual fund SIPs in 10 years, 15 years, 20 years and 25 years.

    • 4,300 millionaires may leave India this year. Here's where they are moving to

      The Henley Private Wealth Migration Report 2024 reveals India's significant net loss of 4,300 millionaires in 2024, reflecting global wealth migration trends driven by various factors like geopolitical tensions and economic uncertainty.

      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.

      How to turn panic into profit: Only lesson equity investors should learn to manage stock market volatility

      When things get tough, those who have managed to get the basics right— diversification, cost averaging, asset allocation—don’t panic. Investors should have done this and been confident about it. This only comes with simplicity. Embracing simplicity in investment strategy is not just a defensive move, but a proactive approach to building a resilient portfolio.

      Stocks to buy after Lok Sabha Elections Results 2024: 5 stocks with up to 23.2% upside potential

      While the 4 June crash eroded investor wealth, it may have eased stretched valuations. Experts believe the BJP-NDA government’s economic agenda will largely remain unchanged, though some priorities will be adjusted. Even before the election-induced jolts, the markets had been witnessing volatility. To counter the near-term shocks, invest in companies that have shown stability in the past.

      Investment returns during coalition govt: Modi 3.0 might be good for stock market, mutual fund investors, show trends during previous govts

      How will be Modi 3.0 for investments? The stock market experienced a sharp decline following the Lok Sabha elections 2024, causing concern among young investors. They are worried about their investments as a coalition National Democratic Alliance (NDA) government prepares to take oath on June 9, 2024. Will the volatility in the stock market continue? How will NDA-3.0 be for your hard-earned money? Is there a bad government for your investments? Should the incoming government worry debt investors? Should you invest in equities, mutual funds or debt instruments? Questions such as these are worrying investors. So here are some answers that should give an idea of what is in store for you in the next five years.

      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.

      What’s fueling the shift in Indian investor behaviour?

      India added $1 trillion to the stock market in less than six months, reaching a $5 trillion market cap. Retail investors, with a surge in Demat accounts, play a key role in enhancing market stability and resilience.

      Ronaldo’s Jersey (RONJER) listing on KuCoin spikes major price surge, amid Meme Coins bull trend, will Dogecoin join the list?

      With Ronaldo’s Jersey (RONJER) leading the meme coin bull trend, KangaMoon and other meme coins have also not been left behind, promising investors high returns in 2024.

      From savings to wealth: A guide to strategic methods for sustainable wealth creation in India

      India is facing a retirement crisis with 80% concerned about savings sufficiency. The India Retirement Index at 44 highlights the gap. Jefferies' findings reveal investment habits, and StockGro addresses financial literacy and investment education needs.

      How to redeem mutual fund units

      Redeeming from a mutual fund is a straightforward process. Investors can choose to redeem a part or all of their investment depending on their financial needs and goals.

      Threat of bad advice: A more crucial aspect of financial literacy is not just what to do with money, but also what not to do with it

      The real pitfalls arise when bad financial products are marketed as good ones, and investors fail to recognise the deceit. If you are saving and investing, encountering such schemes is inevitable; it’s not an exception, but certainty. Thus, a more crucial aspect of financial literacy is not just what to do with money, but also what not to do with it.

      Retirement planning: How to create a Rs 8 crore retirement corpus in 12 years?

      I am 42 years old earning Rs 2.20 lakh per month, with monthly expenses of Rs 1.2 lakh. My monthly investments: Rs 9,000 in NPS, Rs 5,000 in VPF, Rs 22,000 in EPF, and Rs 65,000 in equity MFs. My savings: NPS: Rs 11 lakh in tier 1; PPF: Rs 18 lakh; EPF: Rs 19 lakh; MFs: Rs 36 lakh (including Rs 3 lakh in a debt fund for emergencies); FD: Rs 3 lakh; Equity stocks: Rs 5 lakh; Corporate FD and SGB: Rs 12 lakhs. I also have a pending home loan of `8 lakh, which will be paid off in 2 years. I aim to build a retirement corpus of around Rs 8 crore by 60. Naveen Kukreja, CO-FOUNDER AND CEO, PAISABAZAAR.COM: You’re on track for your retirement corpus. Consider raising your emergency fund to Rs 7.2 lakh (6 times your monthly expenses). Opt for high-yield bank FDs from small finance banks for better income certainty, liquidity, and capital protection compared to debt funds. Your existing investments amount to `1.04 crore, of which `38 lakh is in equity instruments, Rs 11 lakh is in NPS and Rs 55 lakh in fixed-income products. Consider shifting your fixed-income-heavy investments to an active asset allocation option in NPS with 75% equity exposure. Allocate the rest to corporate and/or government bonds based on your risk appetite. With a projected 12% annualized return on equities and 5% post-tax return on fixed income, your investments could potentially grow to Rs 5 crore in 18 years. Consider halting fresh contributions to VPF and capping NPS contributions at Rs 50,000 annually (the maximum deduction under Section 80CCD(1B)), with 75% equity exposure. Maintain PPF with a nominal annual investment of `500 to keep it active. Invest surplus funds in a 70:30 equity-debt ratio. Note that equity funds offer better upside potential, liquidity, and flexibility compared to NPS and VPF. Sell noncore stocks and reinvest in equity mutual funds, except for high-conviction picks. Based on projected returns from equity and fixed-income, your additional monthly investments could potentially grow to Rs 6.36 crore in 18 years. This would result in a total corpus of Rs 11.36 crore by your retirement age. Distribute your existing and fresh equity fund exposure equally between large cap, flexicap and multi-asset funds. Secure your family’s future with term insurance covering 20 times your annual expenses. Also, invest in health insurance with a minimum coverage of Rs 1 crore, with a base cover of Rs 5 lakh and a super top-up of Rs 95 lakh.

      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.

      Where should you invest when saving for retirement?

      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.

      Where to invest for children's education, retirement income

      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.

      Retirement planning: 5 reasons to invest in NPS

      The NPS for the general public completes 15 years this week. Here are five reasons why you should invest in it. (Babar Zaidi/ET Bureau)

      I want to build a retirement corpus of Rs 12 crore in seven years. Where should I invest?

      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.

      I earned Rs 29 lakh from sale of property. Which mutual funds will help me earn Rs 1 crore, give me 18-20% return in 7 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.

      Retirement planning: Where should I invest to create a retirement corpus of Rs 10 crore in seven 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.

      Up to 9% interest rate: Corporate FDs vs bank fixed deposits; Which offers higher interest rate?

      What is a corporate FD: Similar to bank fixed deposits, corporate FDs provide interest earnings and offer flexibility in choosing the investment amount and duration. Fixed Deposits serve as a popular choice for long-term investments, particularly for older investors aiming for a secure retirement. The tenure period plays a crucial role in determining when investors will receive returns before maturity. In corporate fixed deposits, the tenure typically ranges from six months to 5 years, offering a shorter duration compared to bank fixed deposits.

      7.1% PPF interest rate or 8.2% returns from Senior Citizen Savings Scheme (SCSS): Where should someone in 20% tax bracket invest?

      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.

      How much to invest monthly to create a corpus of Rs 2 crore in 10 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 to invest Rs 40 lakh to get regular income

      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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