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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.

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Ways for Easier Recovery after Eyelid Surgery

Blepharoplasty, all the more generally known as eyelid medical procedure, is a mainstream plastic medical procedure among the two people. In spite of the fact that it is regularly a restorative technique, one of the advantages of eyelid medical procedure is that it can likewise be utilized to help right vision issues brought about by seriously hanging upper eyelids.

In one or the other case, you should plan to take a break from work and distressing or difficult exercises while you recuperate from your technique. To assist you with making the cycle as smooth and simple as could be expected under the circumstances, recollect these best three eyelid medical procedure recuperation tips.

Keep Your Head Elevated

You’ll have to keep your head raised over the remainder of your body to diminish growing while you recuperate from blepharoplasty, even while resting.

Numerous individuals find that it assists with stacking a few pads on top of each other to have the option to rest serenely while keeping their head slanted.

Utilize Cold Compresses to Help with Swelling

After your eyelid medical procedure, utilizing cold packs can likewise assist with overseeing growing. When in doubt of thumb, apply an ice pack for close to 20 minutes all at once, at that point leave it off for 40 minutes. Additionally, you ought to never apply ice straightforwardly to your skin.

Ensure you’re utilizing either a covered ice pack or spot a towel between the virus surface and your face. Cold treatment is utilized to lessen agony and growth, while hot treatment is regularly utilized for muscle and joint firmness.

Follow Your Plastic Surgeon’s Cleansing Guidelines

Appropriate eyelid cleanliness and purifying will be significant strides to a smooth, consistent eyelid medical procedure recuperation, so ensure you cling to your plastic specialist’s rules.

Contingent upon your objectives, your plastic specialist may recommend consolidating a medications spa treatment like BOTOX® to help improve the presence of barely recognizable differences and wrinkles around the eye territory.

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Best Hospitality and Hotel Technology & Solutions Provider – RateGain

The way new generation travellers plan and experience their trip is now heavily influenced by innovation and evolving technologies. If you work in the hotel and hospitality industry, then this shift holds paramount importance to stay up to date on the latest trends which can bring heightened experiences for your customers.

If as a company you want to be at the top of the chain, you need to prioritise several technologies to stay one step ahead of your competitors. Keeping that in mind, RateGain, a leading hospitality solutions and travel technology company has come up with an array of softwares designed for the entire hospitality industry and serves them across the world to assist in building strategies that will increase revenue and unlock new opportunities every day for business owners.

It is the only travel-tech company that works with every vertical of the hospitality and travel industry to provide intelligence, real-time insights and discovering new demand across 191 countries.

Rate Parity

On a daily basis, more and more digital touchpoints continue to engage the travellers which makes it crucial for demand and supply partners to stay in sync with all the delivery channels and make sure the right price is showcased everywhere. Hence, Parity +, an offering by RateGain, helps in maintaining the right price across all listed channels by notifying about rate violations.

Revenue Management System

There is dense competition with online bookings, response to market shifts and changes has never been so imperative. In small and medium-sized enterprises, the major challenge for the team is to prioritise day to day activities and develop a strategy at the same time. This is where technology plays a major role. A revenue management system allows users to,

Strategise by providing you with real-time analysis of the demand and supply of the market
Determine prices based on rate recommendations which is calculated according to real-time and historical data
Track key performance data – compared to your revenue goals
Estimate Revenue
Track all properties on a clustered dashboard
Maximising yield by highlighting days which can generate better revenue using a market compression indicator.
Competitor Rate Intelligence

In a highly competitive hospitality and travel market, it becomes necessary for chain and independent hotels to monitor their activity as compared to competitors in terms of rates which can help them in taking micro decisions that have direct implications on business. RateGain’s proprietary tool – Optima, provides hoteliers with real-time rate intelligence clubbed with an accurate data quality framework that ensures they stay ahead of competition at all times. The newly released feature of MarketDrone allows tracking of intraday rate movements of competitors on a device of your choice.

Distribution Channel Manager

RateGain’s extensive network of demand partners like OTAs, TMCs and GDSs provides a large number of accommodation providers for hotels and travel sellers to attract every type of traveller. The hotel channel manager solution lets you combine your revenue and distribution strategy to maximise your reach. Their Smart distribution channel manager lets you discover new demand and expedite the process of contracting by,

Helping you tap into the industry’s largest ecosystem of demand channels
Getting access to more than 125000+ hotels
Connecting to DHISCO SWITCH and grow hotel partnerships instead of resource-intensive and restrictive direct connections.

Hospitality social media marketing

With RateGain’s revenue management capability and BCV’s hospitality social media marketing platform, you can leverage a host of special features to maximise guest lifetime. With an industry first approach, partner hotels get to

Elevate their brand experience and reputation
Manage negative reviews and perform crisis management
Monitor online activity 24×7
Avail social media consultation related to offers & deals
With a wide variety of products and services to cater to the needs of the entire hospitality industry, RateGain showcases commitment towards it partners and empowers them by providing AI driven insights of the market along with recommendations to maximise revenue, maintain reputation and discover new demand all over the world which makes them the best hospitality and hotel technology & service provider.

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