Asset Allocation a key measure for Long Term Investment | Abhinav Angiri...

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EPF rates likely to go down, should VPF investors look for alternatives?

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With large withdrawals and fewer contributions being made amid the coronavirus pandemic, the Employees’ Provident Fund (EPF) rates are likely to go down, experts suggest. Speculation is rife that Employees' Provident Fund Organisation (EPFO) -- the retirement fund body -- may cut interest on EPF for this fiscal (2020-21), from the current 8.5 percent. This is expected to have a cascading effect on the returns from EPF and Voluntary Provident Fund (VPF), believes Abhinav Angirish, founder of Investonline.in. VPF is an extension of EPF and investors can opt for VPF only if they have an EPF account. Additionally,   Budget 2021 levied a tax on interest income above Rs 2.5 lakh   in the case of EPF. This would further add to the woes of subscribers as interest earned on the annual EPF above Rs 2.5 lakh will be taxable. According to Angirish, VPF investors will have to assess their risk appetite and look for alternatives. Conservative investors, Angirish suggests, can park thei...
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Why people do not invest in technology oriented startups

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Here is the first thing that comes to mind when we hear technology entrepreneurs discussing why they have not raised any funding: They are clueless. It's not because they are technophiles, but because they do not understand the nature of technology investment. This is a huge challenge because investors are not interested in talking about technology to begin with. They like to invest in growth-oriented companies.   Their interest is only to learn about and from the company and protect their investments. In many cases, founders ignore the importance of investor presentation, where they should have the chance to showcase their technology and strategies. Most importantly, founders should come prepared with a clear plan, realistic targets, and measurable goals. And investors should invest in a team, which they believe can execute in a short period of time. The second problem is the way that most technology companies present themselves when seeking investment. While many entreprene...
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Why Equity Mutual Funds Are Hot Again

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The markets are trading at lifetime highs, backed by good quarterly results, improving economic outlook and a decline in Covid cases. Against this backdrop equity, mutual fund investors, after withdrawing money for months, have stepped up their investment s as confidence among the investing fraternity soars higher. For the first time since February last year, equity mutual funds have seen an inflow of 10,000 crores in May 2021. The redemption pressure too is waning. The best is yet to come. Many were afraid to buy during corrections due to high volatility, but with volatility subsiding, those who were waiting on the sidelines have jumped the bull bandwagon. Investors realised that the longer they wait, the more they will miss out on dividends and growth. The underperformance of debt funds, too, have contributed to the gung-ho attitude of equity investors. It should be noted that the debt category reported outflows of Rs. 44,000 crores in May 2021. The gradual decline in Covid cases too...
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