Pros and cons of investing in NPS for retirement saving

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THE ECONOMIC TIMES Tue, May 26, 2020 | 10:07 AM IST ET Wealth Newsletter

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Pros and cons of investing in NPS for retirement saving National Pension System is an investment product to save for retirement. However, among millennials, very few like to invest in such a product with a long lock-in period but this pension scheme has everything an investor looks for in a retirement plan. Why debt mutual funds' liquidity may be an illusion A lesson that investors should learn from the Franklin Templeton episode is that maturity and duration of your debt mutual fund are deceptive indicators of cash flow. It may be time to look beyond category definitions and maturity profile. Podcast: Did Nirmala Sitharaman do enough to safeguard your money matters? In this week's podcast we will talk about the various personal finance measures that were announced as part of the government's Covid relief package, its impact on your money, and could the FM have done more for you. Current equity losses underline why planned exit from investment is important In investing, the level at which you invest is just as important as the value when you exit. From our Partners Rise Against Hunger India (RAHI) distributes 1 million meals to vulnerable groups in India during the COVID-19 Lockdown From our Partners ET Catalyse Virtual: The role of brand communication during a lockdown These 4 stocks giving high risk-adjusted returns can be good bets To limit portfolio value erosion in the current volatile market, it is important to judge risk-adjusted returns on a relative basis. These stocks score on risk-adjusted returns. Money & relationships: Should you discuss salary cut with your children? While it's a good idea to share the bad news with your kids and address the uncomfortable questions, here are a few things you should keep in mind before doing so. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 8.38 -7.83 -15.16 0.49 Invest Now Axis Bluechip Fund-Growth ★★★★★ 6.94 -8.95 -15.67 0.34 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 4.70 -7.04 -13.85 0.99 Invest Now Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 3.46 -8.24 -14.40 0.84 Invest Now Sundaram Select Focus Fund Regular-Growth ★★★★★ 1.80 -15.65 -19.74 0.98 New rules of personal finance: How COVID has changed income, spending, saving, investing In the new world, across segments, income has vanished, reduced or has settled at a new low. The risk to income means families have learned to cut back on spending. Saving and investing are in the background as activities that represent a forgotten luxury. Stock pick of the week: Why Manappuram Finance is emerging stronger Manappuram is better placed compared to other NBFCs since Indian gold loan customers hardly default and even if they do, the recovery will be easier given the high prices of gold currently.

FEATURED SLIDESHOWS

Buying health insurance in times of covid-19? Keep the 4 Cs in mind 5 ways to spring clean finances if you have free time during the lockdown How to protect your privacy online in the coronavirus lockdown 6 tips to make work from home easy in the covid lockdown More Slideshows

Financial Calculators Old or new tax slab regime? Use this calculator to find out 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. New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds.

How different types of NPS funds have performed Given below are the blended returns for four different types of investors with varying allocation to equity funds. Realty hot spot series: Metro, proximity to job hubs are big draws of this Hyderabad locality The locality enjoys excellent connectivity through road and metro. It is close to major educational institutions such as ISB, IIIT, University of Hyderabad and JNTU. Plus and minus points of various debt investment products and whom they will suit Smaller banks offer better rates. However, weigh the risks before investing. While chasing higher returns, you should not ignore safety or tax implications. ET Wealth explores various debt products to help you choose the one most suitable. ICICI Prudential Bluechip mutual fund review: Good record outshines low bouts The ICICI Prudential Bluechip fund has delivered decent outperformance over-index across time frames over the past decade. We examine the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. Can family claim share in individual's PF after his retirement? Provident Fund cannot be blocked by a family member during the life span of the PF account holder. However, after his/her death, those family members who are legal heirs, can claim right in his/her property. Credit risk funds will be back sooner than later: Amit Tripathi, Nippon India MF Going forward, the environment will be even less sanguine. One will have to be careful for the next six months. Credit quality deterioration will be more pronounced in the unsecured space, says CIO, Fixed Income Investments, Nippon India MF. No pension fund has made investments in bonds rated below AA: Supratim Bandyopadhyay, PFRDA Most pension fund managers follow their own investment guidelines which are stricter than what PFRDA has laid down, says PFRDA Chairman, Supratim Bandyopadhyay. How to do video KYC for mutual fund investments With the covid lockdown being the new normal in our lives, most financial activities are being done online. The investor can now create a folio by submitting information such as bank and nomination details. After submitting, he can verify and submit these. How to manage financial transactions efficiently When you review money matters, focus on evaluating the performance and suitability of your investments to your current need for income, growth and liquidity. Review your insurance needs every time you cover a milestone in life. Nuclear families have the most financial freedom: Survey According to the HDFC Life's Life Freedom survey, people living in the metro have the highest financial awareness. However, people living in Tier-I cities are most meticulous about reviewing their financial plans. What is a rights issue? A listed company has to announce a record date of the rights issue which will help determine the eligibility to the rights issue. How Sensex, US dollar, 10-year G-sec performed during week ending May 21, 2020 Here's a weekly tracker of returns that will keep you updated on how the stock market index, gold prices and 10-year bond yields have performed. This will give investors an idea of how their investments performed over a long period.

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Otras fuentes de liquidez

En estos momentos más que nunca, muchos clientes nos plantean problemas de tesorería derivados de la situación actual. Incluso las empresas que nunca han dejado de trabajar o que ya han recuperado cierta normalidad están sufriendo tensiones de tesorería y tienes que ser más flexibles en sus plazos de cobro y pago. Ante esta situación existen herramientas especializadas para gestionar el circulante de la empresa. - Con el factoring puedes reducir tus plazos de cobro a clientes y minimizar así las tensiones de tesorería derivadas de tener que aguantar las facturas hasta cobrarlas. - Con el confirming y el confirming pronto pago puedes ofrecer a tu proveedor la opción de cobrar antes sin que se resienta tu tesorería. Gracias a los avales del ICO, estas líneas son ahora más accesibles para las empresas que nunca. Si quieres que te ayudemos a sobrevivir a esta crisis... Haz clic aquí para que te llamemos. Un saludo, Alba

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Lockdown, Day 62: Crisis continues unabated

CORONAVIRUS UPDATES 25 May, 2020 | 06:12 PM IST SENSEX 30,673 -260.31 NIFTY 50 9,039 -67.00 Gold 46,805 -251.00 USD/INR 75.96 +0.34

Lockdown, Day 62: Crisis continues unabated The return of domestic flights after two months has been turbulent, to say the least, with over 80 flights to and from Delhi alone being cancelled. India's coronavirus tally also seems to have taken off, with almost seven thousand cases being reported in just the last 24 hours, now making it the tenth worst hit country in the world. India's lockdown extensions - there have been three as of now - could spur another medical crisis and are nothing but economic disasters, Anand Mahindra said today. Here are the other update from the day... COUNT SO FAR Odisha reports 103 new cases Andhra Pradesh tally rises to 2,671 145 new coronavirus cases in Rajasthan Nashik count increases by 13 to reach 963 635 more cases in Delhi, tally reaches 14,053 87 patients in Nainital came by same special train 93 new cases in Karnataka, death toll increases to 43 World India Tally Toll Tally Toll 54,11,498 3,45,122 1,38,845 4,021 LIFE UNDER LOCKDOWN Jet Airways offers two Boeing aircraft for evacuation Railways operated 3,000 Shramik special trains for migrants Pending class 10, 12 board exams to be held at 15,000 centres BUSINESS AND ECONOMY Suzuki Motor resumes production at Gujarat plant 40% tourism firms staring at complete shutdown risk Govt's wheat procurement surpasses last year's level HDFC Q4 results: Profit drops 22% YoY to Rs 2,233 cr CBIC clears Rs 11,052 cr GST refund claims since Apr 8 India's Apr crude processing in biggest drop in 20 yrs Pharma retail market shrinks 12% in April, worst in 3 years Tata's top deck takes a pay cut for the first time in history HCL, PeopleLink, Zoho in race to develop made-in-India Zoom rival AROUND THE WORLD Nepal's tally reaches 675 US death toll rises by 638 Count in Brazil surpasses 3,63,000 China's diesel exports fall 9.2% in April China reports 51 new cases, mostly in Wuhan Germany reports 178,570 cases, 8,257 deaths Japan PM lifts coronavirus state of emergency Apple to start reopening stores in Japan this week Singapore's health ministry confirms 344 fresh cases Russia reports nearly 9,000 new infections, 92 deaths Thailand enters race for vaccine with trials on monkeys DEBATE THIS Do you think India messed up the lockdown? Tell us HERE

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