EPFO Ke Nae Investameint Paitarn Se Jyaada Return

Business » Monday, April 1, 2013

vikaas dhoot nai Delhi. . Naishanal sevings sartifikets (enaesasi) jaise smaul sevings instroomeint ke intarest rate mein katauti ke baavajood faainainshiyl iyar 2013-2014 mein aap apne pravideint fund sevings se behtar return ki ummeed kar sakte hain. Emplauyeej pravideint fund organaaijeshan (ipeeefao) is faainainshal iyar mein naya investameint paitarn apanaaega. Yah investameint ke puraane niyam khatm ho jaaenge, jinka istemaal 2003 se ho raha hai. Maana ja raha hai ki inheen niyamon ki vajah se pichhle do saal mein ipeeefao ke return mein giraavat I hai. Faainainshal iyar 2011-12 mein ipeeef ke kareeb 6 karod meinbars ko 8.25 feesadi return mila tha. 2012-13 mein 8.5 feesadi return ka ailaan kiya gaya hai. Lekin abhi faainains ministri ne peaaut ko durust naheen kiya hai. Isse ulat pablik pravideint fund sevings ka intarest is dauraan 8.8 feesadi aur 2013-14 mein 8.7 feesadi rahega. Lebar ministri ne 5 lakh karod ke apne kaarpas se behtar return haasil karne ke liye ipeeefao ke investameint ke niyamon mein badlaav karne ka faisala kiya hai. Kam return par ipeeefao ko stekaholdars aur faainains ministri ki aalochanaaon ka shikaar hona pad raha hai. Ipeeefao ka return inafleshan rate ke mukaabale kam hai. Iske mukaabale peinshan fund regyuletari aind divelapameint athauriti ki new peinshan skeem ka return 10-14 feesadi hai. Ipeeefao investameint kraaisis se joojh raha hai. Agar haalaat aise hi bane rahe to 2017-18 tak ipeeefao ka return ghatkar 8 feesadi par aa jaaega. Haalaanki, iska kaarpas badh raha hai lekin ipeeefao ke aamdani ka jariya jas ka tas hai. Vaheen, ise bond market mein fauran instityooshanal investors aur domestik faainainshal instityooshans ki taraf se bhi takkar mil rahi hai. Nae niyamon ke mutaabik ipeeefao apne kauraps ka ek hissa private sector ki bloochip companiyon ke bond ishoo mein invest kar sakta hai. Private sector ki in companiyon mein Reliance aur laarsen aind tubro jaisi companiyaan shaamil hain. Iske alaava aath aur companiyon ne fresh bond investameint ke liye kvaulifaai kiya hai. Inmein tata kansalteinsi services, Infosys teknaulajeej, Wipro aur Ambuja cements shaamil hain. Abhi tak ipeeefao jin companiyon ke ishoo mein invest kar sakta tha, unamein HDFC bank, elaaaisi haaujing faainains, ICICI bank, infrastructure leejing aind faainains service, eksis bank, HDFC aur aaideeefasi shaamil hain. Pablik sector ki companiyon ke bond se behtar return haasil karne ke liye ipeeefao ne is tarah ki securities ki avadhi mein badlaav kiya hai. Ipeeefao laung tarm mein behtar return haasil karna chaahata hai. Eee reted peeesayoo ka maiksimm tenyor 15 saal se 25 saal hai. Jabki ee reted peeesayoo bond ka tenyor 8 saal se 15 saal hai. Eee rating sabse jyaada surakshit bond ko di jaati hai. Rating company krisil ne bataayaaki private sector ki companiyon ke bond mein nivesh ke niyam badalne se ipeeefao ka return behtar hoga. Agency ke mutaabik aisa hone par agale 10 saal mein ipeeef ka praufit 3000 karod rupae se jyaada ho jaaega. Theek isi tarah pablik sector ke bond mein laung tarm investameint se ipeeef ko agale ek dashak mein 7,700 karod rupae se jyaada ka praufit ho sakta hai. Sarkaari bond se hone waali ipeeefao ki saamaanya aamdani mein bhi ijaafa hoga kyonki peeef office ab apni fresh inakam ka 55 feesadi hissa raajya sarkaaron ke bond mein invest kar sakta hai. Iska return central gavarmeint ki securities ke mukaabale jyaada hota hai. Abhi tak ipeeefao apni 70 feesadi rakam central gavarmeint securities mein nivesh karta aa raha hai. Ipeeefao abhi tak apna 70 feesadi ainual kaarpas central gavarmeint securities mein hi invest karta hai. December 2012 tak ipeeefao ke private bond investameint ka kareeb 90 feesadi hissa bankon mein rahata hai. Yahaan tak ki pablik sector bond mein ipeeefao ki 53 feesadi rakam hai, jabki doosari companiyon mein yah sirf 35 feesadi hai.