Are you making the most of your Employees' Provident Fund?

Are you making the most of your Employees' Provident Fund? Though it keeps a low profile, Employees' PF is one of the most effective ways to save for retirement. Find out how you can gain big from it. VPF is better than the PPF: KK Jalan, Central Provident Fund Commissioner The allotment of UANs to EPF subscribers will obviate the need for transferring the balance. UANs have been allotted to 4.17 crore contributors. Why you should keep your gold allocation intact despite its recent poor run The primary reason why you should still maintain an allocation to gold is that it is the best diversifier available to an Indian equity investor. Stocks that will gain when the GDP revives If the Indian GDP grows at a faster speed as is expected in the coming years, the stock market will respond positively to it. Prepaid or virtual cards can help transact safely online Prepaid cards by non-banking institutions and virtual cards by banks can reduce the risks associated with online payments.

Quote of the week "There's no reason why India shouldn't go back to 7% growth. If India unleashes its full potential, it can grow faster than China." Hans-Paul Burkner Chairman

Family Finances Family Finances: Hulwans need to forgo some goals to achieve the more important ones Given the large number of financial objectives andlow surplus, the Hulwans will need to increase their equity exposure and forgo some goals. Financial Planning Three traits for investors to detect a fake company The recent case of PACL has brought to light a fundamental weakness in our society that aspires to get rich quick—no matter what the cost. Money-making venture Work Better: Swapnil Kamat's Rs 4.2-crore venture helps professionals Work Better's clientele comprises big corporates such as HDFC Bank, Axis Bank, Mahindra & Mahindra, Deloitte and Trident Hotels. Entrepreneurs CouponDunia: Why US-born Sameer Prawani chose to start his Rs 12-crore venture in India For someone who was born and raised in Boston, USA, setting up a venture in India would not be an easy task. Financial Calculators Plan your car Car cart! Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. Home Loan Refinance Should you refinance your home loan? Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate. More Calculators

Working with a Gen Y boss? Follow these steps for your own and the team's good Born between mid-80s to mid-90s, also known as the millennials or GenY, they are off to a flying start. Four steps to secure unclaimed mutual funds payments Sebi says such funds have to be invested by fund house in shortterm debt instruments. Net asset value of these funds is also calculated. With unique business model, Repco to benefit from economic recovery Though its stock is cheaper compared to market leader HDFC, Repco quotes significantly higher compared to other mid-cap home finance companies. Don't give financial crutches to your kids It is possible that the knowledge and expectation of regular financial assistance from parents takes away the imperative of working hard for oneself. Overall direction for the market is very positive: Navneet Munot, SBI Funds Management "Macro economic recovery is already underway, while the inflation is lower and incremental data and anecdotal evidence point towards revival."

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