Searched for
DIVERSIFYING EPF FUNDS
How to get Rs 3 lakh/month from my Rs 2 crore EPF corpus?ET Wealth Reader's Query: I retired at 53 and have Rs 2 crore in my EPF account. I understand that I can continue to earn interest on the b...- Rs 30,000 monthly SIP across 10 funds. Why this investor’s mutual fund portfolio may need a resetA 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The expert highlights an inadequate reti...
- CA challenges ‘buy your home early’ advice: Why your 30s should focus on wealth buildingCA Nitin Kaushik challenges the advice to buy a home early, arguing that ages 25 to 40 should prioritise asset accumulation. He recommends ...
- From gold and LIC policy to SIPs and crypto: How investment habits changed from Boomers to Millennials to Gen ZModern Indians are redefining investment strategies; rather than saving first, the youth now prioritise their financial goals before choosi...
- Women may be better investors than men. So why do they retire with less wealth? CA Nitin Kaushik explainsCA Nitin Kaushik highlighted the paradox that women may invest more wisely than men yet retire with less wealth. He attributed this to lowe...
- Can you build a ₹5 crore retirement corpus on a ₹15 lakh salary with EPF alone?Can EPF contributions secure a comfortable retirement for those with higher salaries. With an annual income of ₹15 lakh, one can potentiall...
- Eligible for 75% EPF balance withdrawal and planning to do so? Think again and find out how much it will cost you to rebuild itNew EPF withdrawal rules offer greater flexibility for salaried employees. Experts caution against withdrawing retirement savings premature...
- Where to invest Rs 10 lakh for maximum advantage: equity, a hybrid instrument or debt?Financial planning: Investing ten lakh rupees requires aligning financial goals with suitable timeframes. Short-term goals necessitate cons...
- Rs 1,800 EPF vs 12% of basic pay: Choosing Rs 1,800 monthly contribution can increase your in-hand salary, but is it worth?Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contributions increases take-home pay bu...
- Tax-free, risk-free, and effort-free. But CA says many employees make mistakes that cost lakhs in lost savingsChartered Accountant Nitin Kaushik highlights the benefits of Employee Provident Funds. EPF is a government-backed savings tool. It offers ...
- What the latest EPF rate hike to 8.15% means for youThe interest rate hike of EPF from 8.1% to 8.15% is in the interest of subscribers, although it is not substantial. Depending on the balanc...
- EPFO wants to ease pressure on pension fundsEPFO must vastly improve its fund management, and ensure robust governance. Over 85% of its corpus - at about ₹12 lakh crore - is invested ...
- A welcome shift in retirement savingsThe EPFO will have the option to invest in AIFs whose corpus is equal to or more than ₹100 crore, with maximum exposure to a single AIF cap...
- Family finance: Singhs need to align investments with money goalsThane-based Singhs want to save Rs 79 lakh for their child's education in 17 years. For the child's wedding in 24 years, they will need Rs ...
- ET Edit: EPF should diversify its asset classesThe EPF corpus is large enough to diversify asset classes and achieve the right trade-off between risk and return. It can also set up a spe...
- Family finance: Aggressive investment will help Bhardwaj achieve all money goals with easeKuldeep Bhardwaj's goals include building an emergency corpus, buying a house, taking a vacation, saving for children’s education and weddi...
- Family finance: Why this salaried couple will have to put off some of their financial goalsThis Bengaluru-based couple has many financial goals. According to the financial planner, they will have to increase their equity exposure ...
- Family finance: Why Vermas should stagger their financial goals and secure risksSince buying a house is a priority for Pune-based Vermas, they should push back other goals for now.
- EPF should venture beyond stocks, bonds: It must enter private equity and real estateA large corpus of over Rs 10 lakh crore allows the EPF to diversify its portfolio beyond traded stocks and bonds. It should consider privat...
- EPFO fails to manage workers retirement savings, generate reasonable returnsRturn from NPS was around 11.88% over the last two years against 8.8% on the EPFO. So, workers should have the choice to migrate.
Load More
