Portion of EPF corpus is invested in equities: Is your EPF money safe?

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WEALTH NEWSLETTER Tue, Sep 22, 2020 | 09:28 AM IST

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Portion of EPF corpus is invested in equities: Is your EPF money safe? EPFO started to invest 5% of fresh inflows in index ETFs from August 2015. This was raised to 10% in 2017 and later to 15% in 2018. EPFO's maiden foray into equities initially proved bountiful but got a rude shock in March this year. EPF vs NPS: Who should move from EPF and who should stay put Unless the problems facing the EPF are addressed, the scheme is headed for trouble and younger people should consider moving out to the more transparent and better managed NPS. The NPS also offers them the potential to earn better returns than the EPF which has a very small portion of its corpus in equities. Podcast: The answers to all your money matters in the new normal In this podcast, Uma Shashikant, Chairperson, Centre for Investment Education and Learning, talks about how the way we manage our money has changed in this extremely uncertain world and what can be done to keep our money safe. Hosts: Shambhavi Mehrotra and Tania Jaleel; Producer: Paramveer Singh Revamped multi-cap mutual funds: Should you continue with your fund or exit now? Until now, with no specific restrictions on allocation to various market cap segments, multi-cap mutual funds had complete freedom to invest anywhere in any proportion. With new norms taking away that freedom, what should be the investors' strategy going forward? From our Partners Doing this can improve decisions, help serve clients better Analytics plays a vital role- it helps study patterns, understand the trends, improves the quality of decision making and helps governments fight the pandemic & businesses serve clients better. From our Partners What is making your medicines safe to consume Medicines, health supplements, medical devices, surgical equipment and diagnostic kits need specialised protection. Valuation of several PSU scrips are reasonable now: Here are 8 PSU stocks worth betting on Though there is tremendous untapped value in the PSU space, investors should not jump in to buy anything and everything. Here is a list of stocks with at least 15 buy recommendations and with at least 20% potential upside from current levels. 5 smart things to know about Corona Rakshak policy Corona Rakshak policy is a benefit based policy which pays a lump-sum amount upon testing positive for novel coronavirus. Here are five things you should know about it. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 9.24 2.90 17.21 -0.89 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 8.46 10.49 25.33 -1.21 Invest Now Axis Bluechip Fund-Growth ★★★★★ 7.83 1.65 16.39 -1.00 Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 7.10 8.93 24.38 -1.38 HDFC Index Sensex Fund-Growth ★★★★★ 6.13 0.32 27.74 -1.05 How to manage your money in the times of slowdown In times of slowdown, when incomes are under stress and there is a lot of emotional upheaval one has to grapple with, augmenting the current income should be an individual's first priority. One needs to estimate his/her income at a conservative level. Know your mutual fund adviser: Here's how you can judge a distributor or adviser Few trust such advice because there is always the shadow of commission-focussed selling looming. There are advisers who give real, earnest advice but it's hard for savers to figure out who is actually operating in this manner and who is not.

FEATURED SLIDESHOWS

Before you start investing, tick these tasks off your money list What taxpayers will now see in Form 26AS while filing ITR Why your premium on life insurance plans varies across insurers The process of nomination for different financial assets 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.

Money & Relationships: 5 steps to financially secure a child with special needs To ensure that the child's needs are taken care of after your death, here are the steps you, as parents, need to take at the earliest. Axis Focused 25 mutual fund review: How scheme offered superior downside protection relative to index Fund size has grown sharply in past year and half, which may be a concern for a fund with a focused mandate. However, for now its large-cap tilt has ensured that the fund remains true to its label. Despite its focused approach, the fund has offered superior downside protection relative to index, owing to its preference for high quality. Stock pick of the week: Reasons why good days are here for Aurobindo Pharma Aurobindo Pharma reported better than expected numbers in the first quarter. Reasonable valuation, expected rerating, increase in cash flows and moving towards becoming debt-free are some of the other factors that have made the company a favourite of analysts Realty hot spot series: This Pune locality is an established residential area Properties from 1-4 BHK are present in this area priced between Rs 4,900 per sq ft and Rs 12,300 per sq ft. A 2-BHK (1040 sq ft) costs an average of Rs 79 lakh and a 4-BHK (2,670 sq ft) costs Rs 2.11 crore. Planning a holiday in next few months? Avail these discounts on flights, hotels, travel packages now Here are some deals by top travel firms, websites and aggregators for holidaying in the next few months. Book your holiday before it's too late, says ET Wealth. How to buy forex for foreign travel Before travelling to a foreign country, one can buy foreign currency from the dealers (including banks) authorised by the Reserve Bank of India. The amount of foreign currency that can be bought varies for different purposes as per RBI guidelines. Rural agricultural households and their search for steady income The problems of farm life are around poor income. After harvest, the price that the produce will get is unknown when one takes it to the APMC yard. There are many initiatives but none of these can compensate the financial burden of a failed crop. How gold, silver performed for the week ending on September 17, 2020 Here's a weekly tracker of returns that will keep you updated on how the stock market index, gold prices and silver have performed. This will give investors an idea of how their investments performed over a long period. MF portfolio doctor: Rana should reduce contribution to PPF, increase equity mutual SIPs The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures.

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