INVESTMENT STRATEGY EPFO
EPFO total contributions expected to rise by 25% in 2027-28 due to wage ceiling increase
EPFO is forecasting a major increase in its total contributions for the financial year 2027-28. The wage ceiling has been raised to ₹25,000 from ₹15,000, effective September 17. Total contributions for the current year are estimated to exceed previous budgeted amounts significantly. Additionally, the board will consider investing up to 3% in alternative investment funds.
How you can use FD laddering for Rs 10 lakh investment after RBI raises repo rate
The Reserve Bank of India has raised the repo rate, which positively impacts fixed deposit interest rates. Investors should explore the FD laddering strategy for various tenures, allowing them to reinvest at higher rates as shorter deposits mature. Moreover, diversifying across different banks can boost insurance coverage. It's essential for investors to stay aware of their liquidity requirements and any shifts in interest rates when engaging in this strategy.
Lesson from HDFC Bank controversy: Boards of companies should not conduct business in haste
Directors are custodians of various interests - shareholders, customers, the state, regulators, industry, employees.... They often encounter executive managers who are overenthusiastic and capable of using shortcuts to enhance value. Deal with them according to rules and law, and don't let personal beliefs dictate actions.
ETMarkets Smart Talk| STT, GST, brokerage, UPI charges: Varun Saboo on the hidden cost of frequent trading
In this episode of ETMarkets Smart Talk, Varun Saboo, Head – Equities at Anand Rathi Share and Stock Brokers, breaks down the hidden cost of frequent trading, explains why the impact differs sharply between long-term investors and active traders, and shares what investors should keep in mind when evaluating returns after transaction costs.
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 balance for up to three years even without fresh contributions. What are the tax rules for this? My monthly expenses are Rs 3 lakh. I want to optimise returns and get steady income.
EPF vs NPS: Rs 10,000/monthly investment in each; where you may get a higher retirement corpus?
The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for retirement planning. The ultimate financial growth from these investments significantly relies on future market performance, allowing both options to potentially build substantial wealth over time.
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EPF vs mutual funds: Which is better for retirement? EPFO compares returns, tax, pension benefits and risk
The Employees Provident Fund offers retirement security and employer contributions. Mutual funds are voluntary investments with market-linked returns and potential capital gains tax. EPF provides additional benefits like pension and life insurance coverage. Mutual fund beneficiaries receive only the investment value upon death.
EPFO 3.0: Government plans new pension scheme for formal and unorganised sector workers, claims report explaining how it will work
The government is planning a new pension scheme under the EPFO 3.0 framework. This new plan aims to provide retirement benefits to workers in both formal and unorganised sectors. Members will build a retirement corpus through regular contributions invested in government-backed assets.
SBI MF confident of IPO despite volatilities; aims to double foreign book in 3 years
SBI Funds Management is confident its Rs 11,600-crore IPO will succeed despite market volatilities. The asset manager aims to double its international book to USD 5 billion within three years. This revenue augmentation plan includes expanding global presence and staff. The company is also focusing on its alternatives business and potential acquisitions. Parent SBI contributes significantly to sales, particularly with safer hybrid schemes.
EPFO may ease PF interest rate to 8-8.2% in FY26
The Employees' Provident Fund Organisation (EPFO) is set to consider a slight reduction in the interest rate for provident fund deposits for the upcoming financial year. However, upcoming elections might influence the decision, potentially leading to the rate remaining unchanged for the third consecutive year. The organisation is also looking to increase the wage ceiling for mandatory PF coverage.
EPFO relaxes withdrawal norms for EPS-95 subscribers
The EPFO's apex decision making-body Central Board of Trustees (CBT), headed by Union Labour Minister Bhupender Yadav, at its 232nd meeting held on Monday recommended to the government to make certain amendments in the EPS-95 scheme, a labour ministry statement said.
Mutual fund investors bet big on ETFs in 2021
Mutual fund investors have invested heavily in Exchange Traded Funds (ETFs) in this year till October, showed AMFI data. According to AMFI, the 'Other ETF' category witnessed the biggest inflow of around Rs 50,824 crore between January and October.
Right Venture, LIC and EPFO
If more startups could be funded, the number of successes could climb. And LIC and EPF would secure higher returns for those who have put their savings in them.
Time for EPFO to shift to NAV based accounting
The best time to convert to NAV-based scheme is now. On a conservative estimate, the unrealised gains must be in the range of 20- 30%. And if shifted to NAV-based system, the holding value of EPFO should jump up by 20%- 30%.
EPF should venture beyond stocks, bonds: It must enter private equity and real estate
A large corpus of over Rs 10 lakh crore allows the EPF to diversify its portfolio beyond traded stocks and bonds. It should consider private equity and real estate as well.
Domestic investors overshadow FPIs for the first time in 7 years
24-month flow of domestic funds is greater than the FPI flow for the 1st time since Oct 2010.
How the steadfast middleclass is now changing the game
Once upon a time, it was almost a truism that FIIs drive the Indian markets. For traders, the highest form of market research used to be to figure out what FIIs would do next.
Blue chip PSUs eye EPFO funds
The Minister admitted that EPFO too is looking for better returns following dwindling bank interest rates post- demonetisation.
NHAI eyes Rs 50k crore from bond sale, EPFO, LIC get on board
On NHAI's plan to raise up to USD 750 million through green masala bonds to be listed on the London Stock Exchange soon, the chairman said.
EPFO in stocks: Nifty ETF gets more funds; gives lower returns
Officials said that the EPFO invested nearly Rs 590 crore in Sensex ETF, while over Rs 1,730 crore was put in Nifty ETF.
Poor returns force EPFO to rethink equity investments
After deliberations on the EPFO’s investments in ETFs and returns earned so far, the FAIC will put up its view for consideration of CBT for further action.
After EPFO, smaller pension funds set to invest in stocks
The government is getting several smaller pension funds controlled by it to follow EPFO to invest part of their corpus in the stock market.
Blame Employees’ Provident Fund, not FIIs for low Sensex levels
A large chunk of savings lying with the Employees’ Provident Fund, amounting to over Rs 6 lakh crore, has been kept away from the stock market.
Pension regulator PFRDA stakes claim to cover companies schemes
The Pension Fund Regulatory and Development Authority wants all existing pension schemes to come under its purview after the PFRDA Bill, introduced in the Lok Sabha, is passed.
Finmin asks EPFO to get Street-smart
The finance ministry has set the stage for a showdown over the ultra-conservative investment strategy of the EPFO, a body which oversees the management of about 5 lakh crore in savings.
EPFO board to decide on capital investmnet on Oct 24
The EPFO's Finance and Investment Committee (FIC) will take a decision on investing between 3 and 5% of its enormous corpus in the capital markets on October 24.
EPFO panel meets in Oct to decide on Street play
EPFO panel would meet next month to take a view on parking 3-5% of its Rs 2.57-lakh crore corpus in the capital markets.
EPFO panel to meet in Oct on parking money in stock market
The Employees Provident Fund Organisation's key advisory body, Finance and Investment Committee, would meet next month to take a view on parking 3 to 5 per cent of its large corpus of Rs 2.57 lakh crore in the capital market.
FIT plans to park 3-5 pc funds in the stock market next month
EPFO's advisory body, Finance and Investment Committee, will firm up its view on parking three-five per cent of its Rs 2.57 lakh crore corpus in the capital market early next month.
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