Is NPS a right investment avenue for individuals?

Pension plans provide financial security and stability during old age when people don't have a regular source of income. Retirement plan ensures that people live with pride and without compromising on their standard of living during advancing years. Pension scheme gives an opportunity to invest and accumulate savings and get a lump sum amount as regular income through an annuity plan at retirement. In present scenario statutory savings such as EPF/GPF, NPS and PPF are not enough for retirement corpus. NPS is a low cost, tax efficient, flexible and easily accessible and portable retirement saving account, under two Tier system, operate from anywhere in the country with a minimum annual total contr ibution of ₹6000 for Tier I account, which is mandatory and a minimum annual total contribution of ₹ 2000.00…
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Saving Options- Which investment products are Better Option for you?

Saving Options... An investor may plan short-term and long-term investments, according to his or her needs such as lifestyle need, living expenses need, children need, health care & insurance need. Investors can plan based on their needs, how much money is required to get desired goals in a specific time horizon. One can make a meaningful plan to fulfill his/her financial goals such as a child’s higher education, purchase of a house and other valuable assets, and planning for retirement etc. Fixed deposits (FD): Fixed deposit is a good option for pensioners who are under the tax bracket of 10% and 20%. Fixed deposits are not providing positive returns in long-run due to post-tax and post-inflation factors. Suppose you invest today in bank FDR with the rate of interest 8.25% per…
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Retirement Planning: Here’s how to do it!

Why you need retirement planning? Long before retirement, an individual needs to carefully map out his or her plans for ensuring a secure retirement. The growing financial pressure on retirement system worldwide is forcing individuals to change the way he think about and plan for retirement. It is need of the time for an individual to plan at an early stage to invest in various investment products in order to create an adequate size of retirement corpus. “Retirement is not an age; it’s a monetary amount you have thought about for the rest of your life.” Retirement plan is an arrangement to provide you an income or pension during the cessation of service when you are no longer earning a steady income from business or from employment. All the activities…
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Mutual Fund Investment

Mutual fund is the best option on date to invest for long-term goals as it has several advantages which includes lower cost of investing, very liquid, higher safety in comparison to other products and also tax-efficient. Mutual fund is also diversifying investor's money in to different Asset class. It is less risky than equity, as fund units are professionally managed. It is highly operational transparent and user friendly. On the other hand, mutual funds generate consistency return over long-run. What are the criteria for selecting MFs? The selection of investing in mutual fund of portfolios by the investor will be generally guided by two criteria: The investor would prefer to invest in the lowest risk fund with same expected return in a specific time frame in two funds. The investor…
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Invest, Evaluate & Reinvest

Analytical Study of Birla Sun Life Frontline Equity-Growth Fun The Birla Sun Life Frontline Equity Fund is an open-ended growth scheme classified under the diversified large cap category. The fund aims to generate long-term capital growth. It is a diversified portfolio that invests across sectors in line with S&P BSE 200 Index, with a bias for large caps. Benchmark index of the fund is S&P BSE 200. It follows an investment style focused on large cap growth stock. The fund has concentrated its exposure to large-sized companies, which should serve as a good addition to a retail investor’s portfolio. The fund has weathered many bull and bear phases, and has consistently outperformed its benchmark.The fund has delivered a consistent performance in the last ten years, even in falling markets. Its…
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