5 reasons why investors stay away from NPS. But should you?

THE ECONOMIC TIMES Tue, Dec 05, 2017 | 06:00 AM IST ET Wealth Newsletter

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5 reasons why investors stay away from NPS. But should you? Tax treatment of the corpus is the basic reason why many investors shy away. Only 40% of the corpus is tax free, compared to 100% in other products. Want to gamble on the bitcoin bubble? Beware, the exchange may not be genuine If you still think bitcoin is not a dangerous bubble, then there's little point in reading this article. How much have your NPS funds earned? Here's a look at how much investors of different risk profiles have earned on their NPS investments over the past few years. From our Partners Why ULIPs should be part of your investment mix? Ingredients are as important as the proportion to get the desired result, she promptly replied. Same formula applies to our investment portfolio. From our Partners Why insurance should not be a choice, but a "must-have"? Insurance penetration marginally rose to 3.4% in 2015 from 3.3% in 2014. While penetration for life insurance stood at 2.7%, it was below 1% at 0.7% for non-life insurance, as per IRDAI Report 2015-2016. Why a permanent portfolio works A permanent portfolio holds 25% each in equities, government bonds, gold and cash and cushions investors against too much risk. 4 luxury cruise holiday options in India Given India's beautiful coastline and waterways, luxury cruises are a great way to explore it. Here are 4 options available in India. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) Mirae Asset India Opportunities Fund Direct- Growth -2.29 9.46 34.18 14.45 Invesco India Growth Fund Direct-Growth -0.96 12.64 37.22 14.10 Mirae Asset India Opportunities Fund Regular- Growth -2.35 9.09 33.22 13.57 SBI Bluechip Direct Plan-Growth -1.27 6.74 26.07 13.03 Invesco India Dynamic Equity Fund Direct-Growth -1.24 9.36 31.07 12.24 FeaturedDSP BlackRock Top 100 Equity Direct Plan-Growth ★★★★★ -3.43 3.40 20.76 7.01 Start SIP Professionals can be super successful by learning these from entrepreneurs Indian CEOs like Satya Nadella at Microsoft, Sundar Pichai at Google and others back home rank amongst entrepreneur idols. What sets them apart? How good are celebrity endorsed real estate projects? While mega star endorsements have helped some projects get initial traction and attract buyers, it may not necessarily translate into sustained sales.

Financial Calculators Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Don't treat failed promoters with kid gloves: They know exactly why their business tanked Equity investors and lenders lose much when a business fails, unlike promoters who not only know when things start to go wrong but also have limited liability. In election year, social sector spending will see a surge: Kenneth Andrade, Old Bridge Capital "In the near-term, social sector spending by govts would be a key driver for companies addressing the population at the bottom of the economic pyramid," says Kenneth Andrade of Old Bridge Capital. How to put an investment plan in place Many people face the challenge of not being able to put an investment plan in place and stick with their decision. Here's how you can overcome it. 78% job applicants did better in personal interviews than in automated tests: Randstad survey 89% respondents said an ideal interview process is one which employs a combination of technology and personal interactions. There is disconnect between stock earnings and valuation: Harsha Upadhyaya, Kotak Mutual Fund "This disconnect is the biggest risk for the market from the fundamentals side apart from unforeseen external negative factors." Family Finance: Salaried Kumar needs to hike equity investment to achieve his goals Bengaluru-based Kumar will need to invest in equity to be able to reach his milestones. Aadhaar linking deadlines for these 6 services are fast approaching The deadlines for linking your Adhaar with various key documents and services are fast approaching and if you haven't done it yet, it's time to get a move on. What is cryptocurrency? A cryptocurrency is a digital currency created and stored electronically in blockchains which uses encryption techniques to control creation of monetary units. How to download and use NPS mobile app Subscribers can access their accounts through the NPS mobile application which can be downloaded from the App Store /Play Store. DSP BlackRock Small & Mid Cap Fund: Mixed performance in recent years The fund's return profile has dipped slightly but the discipline exhibited by the fund manager should yield results over the long term. Stock pick of the week: Why analysts are bullish on Amara Raja Batteries Revenue growth, market shift to organised players, focus on wind and solar batteries and likely launch of electric vehicles have made it analysts' top pick. Alternative investment returns monitor: For the week ending Nov 29, 2017 Here's a weekly tracker of returns from alternative investments. But don't compare with traditional investments as purpose of these is vastly different.

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