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e department of labor s efast database for the plan administrator s contact info 3️⃣ check your state s unclaimed property database through naupa national association of unclaimed property administrators found money sitting in cash move it to a real investment immediately time is your greatest asset as an investor every day of delay costs you exponentially more what forgotten accounts might be costing you right now more 3 364 491 comments like comment share copy linkedin facebook x morgan debaun morgan debaun is an influencer ceo investor ai future of work advisor top 100 voices on linkedin 156 092 followers 1y report this post by 2053 black wealth could fall to zero if current trends continue this isn t just a number it s a stark reminder of systemic inequities and the urgency of collective action but here s the thing statistics like this don t tell the full story they don t account for the power we hold to shift the narrative as leaders innovators and culture makers we must embrace wealth equity as a core strategy here s how we can start rewriting the script 1️⃣ build financial resilience through ownership ownership whether it s businesses real estate or intellectual property is one of the fastest paths to generational wealth minority owned small businesses for example often overlook opportunities like supplier diversity programs or university procurement partnerships tapping into these underutilized resources can accelerate growth 2️⃣ invest in community centric innovation many of the apps services and products we rely on don t center our lived experiences imagine if our 1 8 trillion in buying power was directed toward solutions built for us by us it s time to create platforms that reflect our values and needs not just consume them 3️⃣ prioritize financial literacy and intentional spending knowledge is power from understanding the compounding effect of investments to teaching the next generation how to save and build credit we must normalize financial conversations similarly supporting black owned businesses should be an everyday practice not just a seasonal one 4️⃣ collaborate and scale thoughtfully sometimes intentional smallness is the path to big impact entrepreneurs for example don t need to scale at the expense of sustainability we can focus on profitable community centered growth without being pressured into rapid expansion this isn t just about avoiding a financial cliff it s about building a future where our contributions are valued our stories are told and our wealth is sustained so let s not wait for solutions to come from elsewhere let s lead let s invest in ourselves our communities and our collective power what steps are you taking today to shift this trajectory i d love to hear your perspective more 1 111 115 comments like comment share copy linkedin facebook x ca nitesh buddhadev tax planning investing founder nimit consultancy guest speaker at cnbc zee business et now ndtv guest columnist at mint moneycontrol amfi registered mutual fund distributor arn 109051 18 913 followers 1y report this post i told my client that her pf 8 25 can beat her equity 16 she thought it s not possible until she saw the math yes your pf which generates 8 25 returns can beat an investment that gives 16 say equity i know it s difficult to digest but let me decode it for you every month you contribute 12 of your basic salary towards pf your employer matches that with another 12 the best part your employer s contribution is not taxable in your hands even under the new tax regime that s a direct tax saving most people ignore let s put numbers suppose your basic salary 1 lakh your pf contribution 12 000 employer adds 12 000 tax free for you total pf inflow 24 000 per month now compare with equity your friend has not opted for epf and instead invests in equity effectively he can only invest 20 256 after tax instead of 24 000 after 5 years pf corpus 17 75 lakh equity corpus 11 cagr post tax 15 75 lakh even though equity gave higher returns pf still beat it purely because of the tax edge pf also enjoys the rare eee status exempt on contribution employer contribution in both regimes employee contribution in old regime exempt on growth interest is tax free exempt on withdrawal after 5 years of service for equity to actually beat pf it needs to deliver 16 cagr over 5 years to reach 17 75 lakh in 5 years with 20 256 per month you need 16 cagr 12 3 cagr over 10 years 11 cagr over 15 years 10 35 cagr over 20 years so especially if you re in the later stages of your career don t ignore pf it s a stable no risk compounding machine that silently builds wealth while saving you tax i m not saying ignore equity in the long term equity can beat pf but pf is the best debt investment you can ever make i covered this in more detail in last week s newsletter with examples if you liked this post you ll enjoy future editions too subscribe via the link in the comments and if you found this useful hit reshare so more people can understand this maths more no more previous content no more next content 1 140 193 comments like comment share copy linkedin facebook x edmund f murphy iii president and ceo empower financial services 23 755 followers 5mo report this post private markets belong in 401 k s recent headlines about investors struggling to redeem private credit funds have reignited a familiar debate do private markets belong in everyday investment portfolios for those focused on improving retirement outcomes in the defined contribution system the answer remains yes but with an important caveat these investments must be implemented thoughtfully with structures that match their long term nature the news cycle around private credit is real and deserves attention as some retail oriented vehicles are experiencing redemption pressures but it s important to be precise about what s happening the underlying loans are not broadly failing the issue is not fundamentally about credit quality it is about liquidity management in certain fund structures this is not just about private credit it is about private investing more broadly private equity private real estate private infrastructure and whether long term retirement investors should have access to these parts of the economy the department of labor recently took an important step forward by proposing a new framework for 401 k investment selection that includes a clear safe harbor for fiduciaries we view this as a meaningful and constructive development the expansion of private investments into the 401 k system remains an important step toward improving retirement outcomes with the right design the right governance and a clearer regulatory framework plan sponsors now have an opportunity to move forward in a way that is both prudent and forward looking the question isn t whether private markets belong in retirement portfolios the question is how we implement them in a way that is thoughtful disciplined and aligned with the long term interests of retirement savers read more from my opinion piece on thinkadvisor https lnkd in evqzmmh4 private investments are illiquid higher risk and not for all investors informational only not advice or a recommendation more private markets belong in 401 k s thinkadvisor com 697 90 comments like comment share copy linkedin facebook x ethan evans ethan evans is an influencer former amazon vp sharing how i succeeded so that you can too outperform out compete and still get time off for yourself 179 794 followers 1y report this post clear long term plans let me retire as an amazon vp at 50 travel 5 months a year and still make money here s how i did it and how you can apply the same thinking to your own life bill gates once said most people overestimate what they can do in one year but underestimate what they can do in 10 years i agree here are four real long term plans i ve created a 5 year savings plan that let me retire a 10 year travel plan to see the world a 10 year business plan for impact a 40 year health plan to stay fit through age 95 plan 1 retire in 5 years as my career progressed i started thinking about financial independence i followed three simple financial rules throughout my life to make this a possibility 1 live on less than i make 2 invest for the long term 3 max out my 401 k match in my 40s i calculated how much i needed to retire and i realized i was about 5 years away the plan stretched to 7 5 years but i made it even if plans shift having one gives you clarity and options plan 2 a business plan for purpose post retirement i built a 10 year business plan to help others find career success and satisfaction the plan includes scaling my impact and reaching 1 million people like all good long term plans this one evolves but the overarching vision stays constant plan 3 see the world i made a list of everywhere i wanted to go and started planning travel around those dreams galapagos iceland switzerland this is my active years travel plan and it only works because of plan 1 financial freedom but you don t need to be wealthy to travel just committed to a plan budget partner with others and get creative plan 4 be healthy at 95 this is the longest range plan i ve made inspired by dr peter attia s concept of the centenarian decathlon i mapped out what i want to be able to do at age 95 and then worked backward if i want to lift a grandkid off the floor at 95 i need to be strong enough today the details of each of these plans are in my newsletter but before i link that i want to give you some specific tips to create powerful long term plans 1 decide what area to focus on my four plans were financial business travel and health trying to create a single holistic life and career plan at this scale is likely too complex take it on in pieces 2 figure out where you want to be in 5 10 or 40 years what is the ultimate goal 3 work backwards from the end as well as forward from where you are meet in the middle 4 iterate you can draft the plan all in one sitting but these plans benefit from periodic revision i have clarified updated and changed all of my plans once to twice a year the end goals have rarely to never changed but the next steps and priorities within the plan definitely do 5 be flexible the plan exists to help you not to constrain you link https buff ly 03hevz2 readers share your long term plans more 725 108 comments like comment share copy linkedin facebook x sanjay mudnaney 38 years of cutting through noise with storytelling storyteller marketing strategist weekly essays for 17 000 dreamers storytellers 45 905 followers 1y report this post if you re in your 40s and feeling invisible irrelevant or replaceable you re not alone and you re not done yet it is a double whammy we re going to live longer and yet many are getting fired earlier careers are ending in the 40s at a time when responsibilities are at their peak emis school fees aging parents health bills and the harsh truth no one s hiring you unless you re cheap or niche i quit the corporate world at 50 by choice it s been 10 years now of walking a different path of chasing dreams reinventing stumbling learning and helping others do the same so if you ve been laid off at any age or fear that pink slip is near here s what i ve learned take what makes sense leave the rest 1 reinvent your thinking start thinking like a creator don t chase a job start creating value even if you are in a job consult teach write coach or freelance you re building a one person business is still a business be a risk taker no job is safe 2 sell your story not just your skills your experience is not a liability it s a brand learn to tell your story what you stand for why it matters storytelling and marketing are not optional anymore they are survival skills 3 embrace ai before it replaces you ai won t replace people who use it smartly just need to be open and a fundamental shift stay curious be a lifelong learner 4 build a financial safety net before freedom comes the cushion emergency fund 12 months medical and term insurance reduce lifestyle costs start building small passive income streams and stop competing comparing each journey is unique 5 find a support system reinvention is hard doing it alone is harder find people who get it share learnings collaborate be vulnerable even one supportive conversation a week can give you energy to keep going 6 find a good mentor i wish i had one when i started a mentor can be your mirror when you re doubting yourself a pillar when your own voice gives up someone who has walked the path and can hold space for you when you feel lost don t underestimate what a good mentor can do it could change everything 7 build inner strength there will be fear silence rejection that s when inner work begins journaling reflection mindfulness when the outer path is uncertain the inner path is what holds you 8 take charge of your health you can t build your second act if your body is breaking down focus on habits not willpower move daily i found cycling you ll find your thing calm your mind even 10 minutes of meditation helps don t do it alone community matters here too final thought a wave may knock you down but it can also carry you somewhere new if you learn to float don t let a layoff define your end let it become your turning point the second act is calling and this time you get to write it your way fireup more no more previous content no more next content 1 174 110 comments like comment share copy linkedin facebook x ashish singhal ashish singhal is an influencer co founder coinswitch lemonn on a mission to make money equal for all by simplifying investing 39 829 followers 8mo report this post an nri woman made 1 35 crore from mutual funds paid zero tax in india got an income tax notice anyway then won here s how she did it and why most people don t know this exists she lived in singapore tax resident there sold her indian mutual funds 88 75 lakh from debt funds 46 91 lakh from equity funds total capital gains 1 35 crore she filed her itr claimed exemption under article 13 5 of the india singapore dtaa double taxation avoidance agreement her argument singapore doesn t tax capital gains so under the treaty only singapore has the right to tax her and since singapore charges zero she owes zero the income tax department said no mutual funds derive value from indian assets so gains are taxable in india she took it to itat income tax appellate tribunal itat ruled in her favor the key distinction mutual funds are issued by trusts not companies so they re not shares they fall under the residual clause of the dtaa which means taxable only in the country of residence result zero tax now here s where it gets interesting this isn t just singapore india has signed 94 dtaas uae kuwait mauritius switzerland many have similar clauses if you re an nri in a country that doesn t tax capital gains and your dtaa has article 13 5 or a similar residual clause you could legally pay zero tax on mutual fund redemptions in india while a ...
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