Voluntary provident fund (VPF) vs Debt Mutual fund

What is a Voluntary Provident Fund?

VPF is an employee savings scheme that comes under the traditional provident fund savings scheme. However, under the VPF scheme, the contributor can decide the fixed amount for a monthly contribution. This contribution is not part of the 12% contribution by an employee towards his EPF.

Advantages

Safe option to invest: Since the Indian Government operates the scheme, the risk involved is relatively less as compared to other various schemes of investing; also it is easier and safer to invest via a VPF account.
High rate of interest: Under the VPF scheme, the VPF interest rate is usually around 8.50% p.a. for FY 21-22.
Easy to open account: It is simple and easy to open a VPF account. Employees can open a VPF account once by submitting the registration form. The current EPF account shall also act as the VPF account.
Simple transfer process: If employees change their jobs, the process of transferring from the old company account to a new one is also quite simple.
Conclusion:

The VPF account is considered one of the best options to invest for a salaried person. Employees are eligible for tax benefits of up to Rs.1.5 lakh under Section 80C of the income Tax Act, 1961. The interest that is generated from these contributions is also generally exempt from tax. However, in case of VPF interest earned on employee contribution above Rs.2.5lakh p.a over Rs.1.75 Lakh basic salary., will be taxable. Investments towards a VPF account are viable because of its efficient rate of interest and tax benefits.

What is the meaning of a Debt Mutual Fund?

A debt mutual fund is a mutual fund scheme that invests in fixed income instruments, such as Government or Corporate Bonds, corporate debt securities, and money market instruments etc. Debt funds are also referred to as Fixed Income Funds or Bond Fund.

What are the four Advantages of a Debt Mutual Fund?

High liquidity: Debt mutual fund schemes, especially liquid funds, typically have a high degree of liquidity and investors may redeem their investments faster than others.
Tax efficiency: Debt Mutual fund schemes do have long and short-term capital gains tax. However, the benefit of indexation increases after three years of holding and succeeding years.
Flexibility: Using an STP, the debt mutual fund units can be easily transferred periodically to an equity scheme or any other scheme as per investor’s choice.
Diversification of investment: While choosing debt mutual funds, ensure to verify the portfolio. Generally, it is safer to invest in Debt Mutual Fund that invest Government securities and Government-issued papers, thereby reducing portfolio risk.
Conclusion

Firstly, Debt Mutual fund schemes help reduces overall portfolio risk as they help in diversification. When equity markets fall, debt investments cushion downside risks and may bring stability to returns.

Secondly, Debt Mutual funds are a good option for your short-term investment planning. The accumulated cash could be used for short-term goals like vacations, buying a gift, etc.

How to Avail Cash Advances when you have Bad Credit

Avail Cash Advances with Low Credit Scores

An emergency can come knocking at one’s door at any time- in the middle of the night, during your work hours or when you’re relaxing in bed binge watching your favourite television series. In such circumstances, not everybody can afford to address that emergency solely with their savings or income. Many people need to borrow money. One can always choose to do so by approaching a close family member or a dear friend. However, not everyone can afford to lend you an amount that may have a few more zeroes than what they can manage to offer. They may be able to help you to some extent, but not completely.

That’s when lenders come into the picture. Now, lenders are of various types. From traditional lenders offering long-term loans to payday loan lenders offering short-term loans, each lender has their own set of benefits to offer.

The advantage of applying with a traditional lender is the fact that their loans are cheaper than most other loans. However, they do have their set of disadvantages that come alongside. Traditional lenders do not offer loans to bad credit score holders, and even if they do, they come at a huge cost and the need to offer collateral. In most likelihood however, they deny funding those with low credit ratings. This can make life difficult for those who possess bad credit scores, and the number of people holding such scores isn’t tiny at all.

In case a traditional lender does agree to offer funding to a poor credit score holder, the borrower shall have to offer security and rest assured that he will have to pay a huge price in order to get funded, since it is a risk being taken by his/her lender.

Not everyone has collateral to offer, especially if they’re already in bad financial shape. A person with a bad credit score is obviously not in the best financial phase of his/her life. That being said, the chance of such a borrower even possessing something as valuable as a house of a car to put at stake is very little. Apart from that, even if the borrower does have something to offer as collateral, the idea of losing it can make things very stressful for the borrower.

However, there is a solution to this problem. If one is looking at borrowing a small amount of money, say about a few hundred to a thousand dollars, one can always choose to opt for a payday loan.

The lenders offering payday loans do not conduct credit checks for two reasons- one is that they don’t wish to delay funding which a credit check certainly contributes to and the second is that they wish to offer loans to bad credit score holders as well. Considerate online lenders understand the situation bad credit holders may be in, which is why they choose to help them in their tough times.

These lenders basically rely on the income statement of the borrower in order to fund them. Applying with them is super easy since they ask you to fill out a basic form and provide them with basic documents. Your income statement proves your current stability which is what they rely on in order to fund you. Credit scores aren’t considered by them, since it shows your past financial situation which may have included faulty repayments, and they believe in your current situation. Along with your income statement, they ask you for details such as your age, your checking account details, your contact details and your social security number.

Basics of Stock Market Trading

With an arrangement to grow, the shop opens up to the world and allows an opportunity for any individual who needs to put resources into the business to do as such through the first sale of stock or Initial public offering.

To start with, the organization will publicize itself to huge financial backers. In the event that individuals think the organization is a smart thought, they get the principal break at contributing, and afterwards support the organization’s Initial public offering.

This dispatches the organization onto the authority public market, where any organization or person who accepts the business could be beneficial may purchase a stock.

Purchasing stocks make those financial backers fractional proprietors of the business. Their speculation assists the organization with developing, and as it turns out to be more fruitful, more purchasers may see potential and begin purchasing stocks.

As interest for those stocks increments, so does their cost, expanding the expense for planned purchasers and raising the worth of the organization’s stocks individuals effectively own.

These financial backers at that point continue to sell and purchase the portions of the organization anticipating the value of these offers later on.

For the organization, this expanded revenue helps reserve new drives and furthermore supports its general market esteem by showing the number of individuals who will put resources into their thought.

Notwithstanding, if for reasons unknown an organization begins to appear to be less beneficial the converse can likewise occur. In the event that financial backers think their stock worth will decay, they’ll sell their stocks with the expectations of making a benefit before the organization loses more worth.

As stocks are sold and interest for the stock goes down, the stock value falls, and with it, the organization’s fairly estimated worth. This can leave financial backers with large misfortunes except if the organization begins to look beneficial once more.

This see-saw of the organic market is impacted by numerous variables. Organizations are under the unavoidable impact of market influences like the fluctuating cost of materials, changes underway innovation, and the moving expenses of work.

Financial backers might be stressed over changes in the initiative, awful exposure, or bigger elements like new laws and exchange approaches And obviously, a lot of financial backers are just prepared to sell significant stocks and seek after close to home interests.

Every one of these factors causes everyday commotion on the lookout, which can cause organizations to show up pretty much effective.

Also, in the financial exchange, seeming to lose esteem frequently prompts losing financial backers, and thus, losing genuine worth.

Stock Trading Information:-

Most financial backers would be all around educated to fabricate an enhanced portfolio concerning stocks or stock file assets and clutch it through all kinds of challenges.

In any case, financial backers who like somewhat more actively participate in the stock exchange. Stock exchanging includes purchasing and selling stocks much of the time trying to time the market.

The objective of stock merchants is to benefit from momentary market occasions to sell stocks for a benefit, or purchase stocks at a low.

Somestockbrokers are informal investors, which implies they purchase and sell a few times for the duration of the day. Others are essentially dynamic brokers, setting at least twelve exchanges each month.

Financial backers who exchange stocks do a broad examination, regularly giving hours daily to following the market. They depend on specialized stock examination, utilizing instruments to graph a stock’s developments trying to discover exchanging openings and patterns.

Numerous online merchants offer stock exchanging data, including investigator reports, stock examination and diagramming apparatuses.

The significance of broadening

You can’t stay away frombear markets as a financial backer. What you can keep away from is the danger that comes from broadening your portfolio.

Enhancement shields your portfolio from unavoidable market mishaps. On the off chance that you toss the entirety of your cash into one organization, you’re betting on the progress that can rapidly be stopped by administrative issues.

To streamline that organization explicit danger, financial backers expand by pooling different sorts of stocks together, offsetting the unavoidable failures and disposing of the danger that one organization’s polluted hamburger will clear out your whole portfolio.

Be that as it may, building a broadened arrangement of individual stocks takes a ton of time, persistence and exploration. The option is a common asset, the previously mentioned ETF or a record reserve.

These hold a container of speculations, so you’re consequently enhanced. An S&P 500 list reserve, for instance, would mean to reflect the presence of the S&P 500 by putting resources into the 500 organizations around there.

The uplifting news is you can join singular stocks and assets in a solitary portfolio. One idea: Dedicate 10% or less of your portfolio to choosing a couple of stocks you trust in, and put the rest into record reserves.

Conclusion

Human trust in the market has the ability to trigger everything from periods of prosperity to monetary emergencies. Also, this hard-to-follow variable is the reason most experts advance solid long haul speculation over attempting to make speedy money.

With the beginning of the Web, ordinary financial backers can purchase stocks in a significant number of precisely the same ways a huge financial backer would.

What’s more, as more individuals instruct themselves about this perplexing framework they also can exchange stocks, support the organizations they have confidence in, and seek after their monetary objectives.

The technology solutions provided by ROinvesting lubricates the consumer’s potential to meet reality, It does so by availing high tech analytical tools which bring about premier trade norms and services for the traders, and this results in assistance both technical and operational in a blink of an eye.

Be that as it may, specialists are continually assembling instruments in endeavours to expand their odds of achievement in this profoundly eccentric framework. Be that as it may, the securities exchange isn’t only for the rich and incredible.

Coaches, Consultants and Trainers – Meet The Strugglers – Do You Recognize Yourself?

Over the past 28 years, we’ve watched hundreds upon hundreds of talented coaches, trainers and consultants struggle in their attempts to build profitable, professional practices – and many of them fail.

But Why?

We’ve selected 7 people who each seemed so ready for success. Which of the 7 do you relate to?

The Helper – Frank T. just wants to help people. He’s all about serving the greater good, paying it forward and tapping into his prosperity consciousness. He also needs to make a living, so he’s been working another job while he’s building his business. That’s how it’s been for the past 5 years – and he’s no closer to leaving now than he was at the very beginning.

The Complete Package – You’d think with her background, her success would be guaranteed – she certainly did! Cathleen R. is a very well-educated, very well-trained coach in a major US city. She has a solid background as a senior level manager in the corporate world, she’s well-known, well-connected and well-respected. She’s also not very busy.

The Marketer – Richard L. has always felt that the key to success was effective marketing – and he’s spent a small fortune seeking out the guidance of marketing gurus, website developers, social media experts and internet marketing consultants. He’s got a beautiful website and a mailing list that most would envy – and it’s all doing exactly what it’s supposed to be doing… bringing him qualified prospects each and every week. Unfortunately, he just can’t seem to convert very many of them into the clients he needs to pay all of those marketing bills.

The Giver – Susan G. is the kind of coach everyone just adores. She’s easy to talk to, intuitive and exceptional in the quality of work she does. Everyone she coaches lavishes her with acknowledgement and appreciation – and they’ve referred many of their friends and colleagues to her as well. She believes that demonstrating her coaching skills is the best way for her to show her prospects the value of her services – and they invariably tell her how much she has helped them. So why do the majority of them choose against hiring her as their coach?

The Contract Worker – With a Ph.D. from a prestigious university, an officer’s position in his target industry’s largest association and several publications under his belt, Lowell B. should have all the business he can handle. But he doesn’t. In fact, the majority of his clients have been assigned to him by a couple of consulting firms that use him on a contract basis for a fraction of the fee they charge their clients. He knows what he’s worth – he just doesn’t believe he can close the deals himself.

The Quiet One – Stephanie S. got her consulting practice off to a decent start. Tapping into her existing relationships, she found herself getting hired for a few long-term projects rather quickly. Once those projects were done though, she was done as well – “unemployed” with few possibilities on the horizon. She knows she did a great job for her clients and felt the quality of her work spoke for itself – but they haven’t given her another project or pointed her in the direction of a new opportunity.

The Hesitant Expert – It’s a whole new world for John J. After more than 30 years in his career as a senior manager in a large corporation, he decided he’d had enough and wanted to try something he’d always thought he’d be good at – consulting. While he knew that the clients he wanted to work with were other senior managers in his industry, he thought he should wait until he had a “proven track record of success” as a consultant to go after those prospects. So he’s been “paying his dues” with small business owners for the past few years who are thrilled to have someone with his background. John’s not so thrilled.

So what’s their problem?

All seven Strugglers share one thing in common. They have placed their emphasis on the “contributing factors” rather than the “critical factors” for success.

Contributing factors are assets that support you on your quest – but in and of themselves, guarantee nothing. An Ivy League education, extensive professional connections, strong marketing efforts and a passionate desire to be of service are great things to have – but even with ALL of them working on your behalf, you could still fail.

Critical factors are assets that serve as actual causes of the effects you desire, such as the ability to effectively present yourself in a compelling way – and get your prospects to actually hire you.

To put it more directly, STRUGGLERS can’t SELL.

Show me a successful coach, trainer or consultant and I will show you someone who is both skilled at and comfortable with selling him/herself. Someone who understands that all of the contributing factors in the world won’t make a bit of difference if the sales conversation isn’t handled properly. In fact, the industry has many professionals with relatively WEAK contributing factors who still find great success simply because they CAN sell.

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