EPF's investment in equity is rising: How safe is your retirement money?

THE ECONOMIC TIMES Tue, Sep 06, 2016 | 05:00 AM IST ET Wealth Newsletter

WHAT'S HOT #HowtofileTaxReturns, #HealthInsurance, #TermInsurance

EPF's investment in equity is rising: How safe is your retirement money? The government wants to hike the Provident Fund's investments in equities to boost returns. Find out what this means for you. Here are the stocks and sectors that are likely to lead the next bull run Beaten down segments—since the Sensex bottom of January 2016—such as PSU banks, metals and commodities have seen a jump in the past few months. Proper accounting requires EPF to be unitised: Find out why this is crucial Govt should now get moving on accounting and governance so that the real benefits of the liberalised asset allocation devolve to members of the EPF. From our Partners Help us understand your experience with economictimes.com. Share your feedback here Fill up a 5 minute survey From our Partners Launch your Digital Marketing Career with Columbia Business School's Digital Marketing Program EMERITUS Institute of Management has launched a Digital Marketing course in collaboration with Columbia Business School. Why structural flaws can make the EPS go bust If a member starts putting Rs 1,250 in the EPS every month at 25, he will get a monthly pension of Rs 7,500 when he turns 58. ET Wealth-PlanCover.com ratings: Best health insurance plans for young couples The rankings help identify the top contenders for young couples in the 18-40 year age group who want children. 6 Mobile phone apps that offer the opportunity to earn money There are a few apps that actually help you make money. ET gives you a quick rundown on those that work. How to find out if your financial advisor is honest There are ways to distinguish between a distributor who only pushes products that would earn him a fat commission and the genuine adviser who has your interest in mind, says Uma Shashikant. From our Partners Can you invest like a marathoner? Olympic Games typically end with the marathon run. It is considered to be a very important event that tests the resolve of the athletes. From our Partners Do you want to own a Multi-cap football team? A multi-cap mutual fund scheme or a diversified equity mutual fund scheme typically invests in stocks across market capitalizations, sectors and styles of investment.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. 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

Delhi-based startup Rupeelend helps disburse short-term loans within hours, minutes This Delhi-based startup helps disburse short-term loans within hours, even minutes. ​Virtual trading platforms may not prepare you fully for the real stock market Virtual platforms offer a good opportunity to practise, but they may not prepare you for the real market. Don't let confusing names of MF schemes deter you from investing in the right one Faced with too many choices while selecting a fund, investors are further stumped by misleading names. What you lose when you delay investing Don't spend too much time on deciding where, how and when to invest. The faster you invest money, the more it earns. These daily savings could make you rich later Tweaking your budget can go a long way in saving hundreds every month. Madhusree Mallik tells you how to save Rs 9,000 a month or Rs 300 a day. How to structure your salary to save tax Pay attention to your pay structure to get more in hand and pay less taxes. Birla Sun Life Midcap Fund: A stable long-term performer Investors should wait and see how the performance pans out over the next year or more. Improved margins, better sales mix make Aurobindo Pharma stock analysts' top pick The company's net profit is likely to rise by 22% between 2015-16 and 2017-18. Do you need life insurance even after you retire? Bureaucrat Chetan Singh believes life insurance becomes less important after retirement. His children will soon be financially independent and his wife will continue to receive pension. How to avail of Income Declaration Scheme 2016 for undisclosed income Under the amnesty scheme, if a declarant pays income tax with surcharge and penalty for undisclosed income in previous financial years, he will get immunity from any enquiry. Family Finances: Starting to save early to help Bharwadas but must invest in line with goals I'm not sure about the amount I will require for my financial goals or how to achieve these." — Sameer Bharwada. Olympic medal winners won't have to pay tax on cash prizes It can be safely assumed that an amateur sportsperson or a non-professional sportsperson actually gets all the sum of the prize as there's no tax payable on it. Why you should be wary of stocks where promoters have pledged shares A deep correction in the market can trigger a sharp fall in prices of such shares. Banks must allow mobile number registration via ATM: RBI Banks have also been asked to make available mobile registration through Internet banking. Smart things to know about MCLR Marginal Cost of Funds based Lending Rate (MCLR) is the new RBI guideline for commercial banks to set lending rates. It has replaced the base rate system. Government, RBI exploring introduction of Sharia banking Bid to financially include those who do not participate in banking activities due to religious reasons. Alternative investment returns monitor: For week ending August 31, 2016 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. How not to let tax hit NPS redemption Apart from providing tax benefits of up to Rs 1.5 lakh along with under instruments under Section 80C, NPS has an exclusive window of Rs 50,000 under Section 80CCD (1).

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News Digest: India is 'substantially free' of homegrown terrorism, says President Pranab Mukherjee

		THE TIMES OF INDIA
		Tuesday, September 06, 2016
		Today's Headlines

		India
		India is 'substantially free' of homegrown terrorism, says President Pranab Mukherjee Rajasthan beats Bihar in Dalit atrocity There has been a significant rise in the crime against Schedule Caste(SC) in Rajasthan. The state having a population of 122.2 lakh SC people remained at number 3 position in the SC atrocities in the year 2014 and now with the latest figures with the NCRB Rajasthan has ranked at number two position. Surprisingly the state is ahead of a state like Bihar in terms of the atrocities against SC. Opposition Congress over the scenario said that in Rajasthan where number of rape cases in the age bracket of 18-44 years were maximum and now it is at number two position it is foolish to expect investments. How Sri Lanka became malaria-free More India News»

		Business
		RBI told to share black money data with agencies Samsung to launch Note 7 smartphone by month-end Samsung India will begin sale and deliveries of the Galaxy Note 7 smartphone — whose launch was deferred after nearly three dozen devices exploded during or after charging in overseas markets — by around month-end. Companies see best festive season in 4 yrs More Business News»

		Environment
		Four out of six great apes near extinction: Report Four of the six great apes, including the Eastern Gorilla, the largest living primate and one of our closest cousins, are now 'Critically Endangered' and just one step away from extinction due to illegal hunting, according to a new report. Giant panda is no longer endangered, experts say International Union for Conservation of Nature's report said that the panda is now classified as a "vulnerable" instead of "endangered" species, reflecting its growing numbers in the wild in southern China. It said the wild panda population jumped to 1,864 in 2014 from 1,596 in 2004 Japan on alert as typhoon Namtheun approaches Japan's Meteorological Agency (JMA) issued advisories for northern parts of Kyushu area as the typhoon approached the island, while parts of Iwate prefecture in the northeast continued to struggle with flood damage, EFE news reported. More Environment News»

		World
		Kim Jong-Un stresses need to bolster nuclear arms: KCNA North Korean leader Kim Jong-Un called on his military to continue building up Pyongyang's nuclear force after issuing orders for the latest test-firing of ballistic missiles, the North's state media said on Tuesday. Large explosion hits centre of Afghan capital Kabul A loud explosion hit the centre of Kabul late on Monday, hours after a Taliban suicide attack near the Defence Ministry killed at least 24 people, including a number of senior security officials, and wounded 91 others, officials said. Obama, Putin, agree to continue seeking deal on Syria President Barack Obama said on Monday that the US and Russia have not given up on negotiations that could stem the bloodshed in Syria, but acknowledged that leaders are challenged by "gaps of trust" between the rival powers. More World News»

		Entertainment
		Ranbir to star in 'Balgandharva' remake? 'If SRK loves my work, he might call me' Befikre: Why we're looking forward to the film More Entertainment News»

		Science
		ISRO to launch advanced weather satellite INSAT-3DR ISRO is all set to launch the GSLV-F05 carrying advanced weather satellite INSAT-3DR from the spaceport of Sriharikota, about 110 km from Chennai, on September 8. INSAT-3DR will provide a variety of meteorological services to the country. Nasa images unveil origins of solar wind Nasa scientists have for the first time imaged edge of the Sun, enabling them to describe the mysterious origins of solar wind. Ever since the 1950s discovery of the solar wind — the constant flow of charged particles from the Sun — there has been a disconnect between this outpouring and the Sun. Your baby might be watching what you eat, a new study has suggested The findings show that one-year-old infants expect people to like the same food, unless those people belong to different social or cultural groups, such as those that speak a different language. More Science News»

		Sports
		Harbhajan Singh still gives me nightmares: Ricky Ponting Australia's legendary batsman Ricky Ponting has confessed that Harbhajan Singh, whom he considers his arch nemesis, still continues to give him nightmares. Del Potro lowest ranked US Open quarter-finalist in 25 years Former champion and 142nd-ranked Juan Martin del Potro became the lowest ranked player in 25 years to reach the US Open quarter-finals when Dominic Thiem quit their last-16 tie through injury on Monday. Rio Paralympics saved by last-minute govt bailout When the curtain comes up for 4,300 athletes at Wednesday's opening ceremony, almost everything will be scaled back: venues, seating, and staffing. Paralympic officials say that no sports or nations have been cut out, but the "athlete experience'' could suffer. More Sports News»

		Technology
		Apple boosts iPhone 7 production by 10%: Report Apple has reportedly ordered a 10% increase in parts and components for the iPhone 7 and iPhone 7 Plus. iPhone 7: Jaybird on Apple dropping headphone jack JayBird CMO said that shifting from 3.5mm headphone jack to lightning connector-based headphones will still compress and decompress audio “but the music quality can be drastically enhanced.” Reliance Jio's aggressive rates to shake up industry: Experts Jio’s offer the battle lines are drawn, and incumbents Airtel, Vodafone and Idea will doubtless match the rates to retain their mid-to high-end customers. More Technology News»

		Education
		After scam, Bihar to link exams to Aadhaar The Bihar School Examination Board (BSEB) is set to become the country’s first state board to link students’ examination forms with their Aadhaar numbers to avoid duplication and facilitate easy access to documents. Foreign students slam Hindi institute for dirty hostels HRD ministry has sought a detailed report from Kendriya Hindi Sansthan, Agra, on allegations by many foreign students that the institute has turned a blind eye to pathetic living conditions in the hostel. NCERT seeks Institute of National Importance status from govt the HRD ministry is considering a demand of the National Council for Educational Research and Training (NCERT) for granting it 'Institute of National Importance' status so that it can confer degrees and start courses on teaching. IITs and IISc have been granted this status by an act of Parliament. More Education News»

		Mumbai
		Fire breaks out in Mumbai's UCO Bank building A fire broke out in the UCO Bank building, which also houses the regional office of the country's premier news agency PTI in the tony Horniman Circle area of the megapolis. Ten-day-long Ganesh Utsav begins today This year, Mumbai will have about 6,300 sarvajanik Ganesh pandals, more than 1.2 lakh home Ganesh idols and about 9,000 Gauri idols. 50-year-old slips into platform-train gap, survives A 50 year-old man had a near death escape after he got trapped in the gap between a train and the platform while trying to board the moving locomotive, at the Mumbai Central railway station on Saturday evening. More Mumbai News»

		Delhi
		62-year-old killed, jewellery looted Unidentified assailants murdered a 62-year-old woman in north-east Delhi's Mansarovar Park on Monday and decamped with her jewellery and cash. AAP govt to SC: Facing crisis of governance The AAP government told the Supreme Court on Monday that it was facing a governance crisis ever since the high court ruled that the LG had primacy in administration, as Delhi officials were “increasingly reluctant” to report to ministers. Secretary circulated clip, claims MLA More Delhi News»

		Bangalore
		CM convenes meeting, Mandya bandh on Tuesday SC orders Karnataka to release 15,000 cusecs water per day for 10 days to Tamil Nadu Lessons from a `teacher' named Raghuram Rajan More Bangalore News»

		Hyderabad
		Development wave in Narasaraopet and Sattenapalle Previously hot bed of faction politics, Narasaraopet is fast becoming a synonym for development thanks to the series of programmes lined up by Assembly speaker Dr.Kodela Sivaprasada Rao. Notwithstanding his shifting to neighbouring Sattenapalli segment, Dr Kodela had not lost love for his ‘mother’ segment, Narasaraopet which groomed him into a mega politician. Groom booked for firing in air at wedding in Hyderabad A case was registered against a man for allegedly firing in the air during his marriage ceremony in Falaknuma area here, police said on Sunday. Andhra Pradesh to get Rs 52,000 crore petroleum package Package To Include Expansion Of HPCL Refinery, Petro-Chemical Complex, Petroleum University More Hyderabad News»

		Chennai
		Tamil Nadu loses Rs 40 crore every day on PSUs, total accumulated loss Rs 65,000 crore Policy lapses to drop: IRDAI extends revival option for ULIPs Legal, compliance services on the go! More Chennai News»

		Ahmedabad
		Work for nation, not just your own community: Rajasthan HC to Hardik Insurance major all set to begin international ops from GIFT City New India Assurance is set to become the first insurance sector player to start its international operations from the International Financial Services Centre (IFSC) in GIFT City. Drinking water dirty; toilet a pipe dream Census 2011 Data Shows Life's Still Harsh For SC, ST People In State More Ahmedabad News»

		Allahabad
		Politicians to distribute books, bags to schoolkids With the state heading for the next assembly polls within a few months, the state government's education department has issued an order directing officials to get free of cost books and bags distributed to students of government schools through public representatives. 'Girl swimming for Clean Ganga is fooling people' BSP never raised 'tilak, tarazu ...' slogan, says Mayawati Bahujan Samaj Party national president Mayawati said here on Sunday that her party had never raised ‘Tilak tarazu aur talwar, inko maro jute char’ (Brahmin, baniya and thakur, thrash them with shoes) slogan, adding that opposition is raising the issue to malign BSP and to divert the attention of upper caste voters. More Allahabad News»

		Bhubaneswar
		Four men attack elderly city couple, loot their house Four unidentified men on Monday looted an elderly couple after entering their house on the pretext of taking it on rent in the busy Jagamara market here. Students' bid to teach Naveen Odia Miscreants ransack clinic in city, beat constable black and blue Panic gripped Soubhagya Nagar here as unidentified hooligans ransacked a private healthcare unit in a three-storey building and hacked a constable in full public view on Monday afternoon. More Bhubaneswar News»

		Bhopal
		Deadly sting: 2 more test positive for chikungunya Two more people tested positive for chikungunya in Bhopal on Monday.The new cases come exactly a week after first case of chikungunya in almost past five years was reported from state capital. Education trust demands quashing of Kaliasot catchment demarcation report HK Kalchuri Education Trust has demanded quashing of state government's demarcation report with regard to encroachment on 33-metre 'No construction area' in catchment of Kaliasot river. Two drown as car plunges into river Two persons died when a car they were travelling in fell into Aheli river in Sheopur district in early hours on Monday. More Bhopal News»

		Chandigarh
		Woman hit by brick while brokering peace, dies A 50-year-old woman died after being hit by a brick while trying to pacify her neighbour who got into an altercation with her husband in Barsola village of Jind on Sunday night.The victim was identified as Gayatri Devi. Judge rushes accident victims to hospital Ambulance Didn't Respond In Time AJL plot case may add to Hooda's woes More Chandigarh News»

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