#investmnent

[retirementplanconsulting]

Employer Contribution Considerations: Is a Profit Sharing or Matching Contribution Right For My Organization?

There are a variety of different types of employer contributions out there, and like everything else, they all have upsides and downsides. According to the Profit Sharing Council of America’s 61st Annual Survey, the average employer contribution made to a Defined Contribution retirement plan equals about 6.2% of salary for financial service industry employers. About half of plans (54.6%) offer a matching contribution. Another 9.9% offer only a non-elective contribution (for example, a profit sharing contribution), and the remaining 31.8% of employers offer both.

What Kinds of Contributions Are Out There?

Matching and profit sharing contributions represent the primary two types of contributions that are seen in 401(k) plans. A matching contribution can be based on a specific amount of employee contribution (a 50% match on the first 6% of an employee’s contribution, for example). Less commonly, it can be tiered, based on an employee’s years of service.

A Closer Look At Match Matching contributions are only made to those employees who actually contribute to the plan. Therefore, not everyone will receive the full match, or even any employer contribution at all if they don’t contribute themselves. However, matching contributions have their upsides it incentivizes employees to contribute “don’t leave money on the table” is a powerful motivator. From a cost perspective, it may (depending on the structure) be less costly than a non-elective contribution, but costs may also be more volatile.

A Closer Look At Non-elective Contributions Non-elective contributions are made to everyone who is eligible, regardless of their contribution status. Non-elective contributions take many forms and names they also are frequently referred to as “basic” or “profit sharing” contributions.

These types of employer contributions are generally made on a pro-rata basis to employees, based on compensation, and may or may not be integrated with the Social Security Covered Compensation limit. Non-elective contributions can be good, because not everybody can afford to contribute all the time and those are the very people who may benefit most from an employer contribution. However, some plans with only non-elective contributions may see lower employee deferral rates – “save up to the match” is a commonly shared adage among many savers.

Making Both Contributions: Best of Both Worlds?Some employers choose to use both contribution types in their plan. Let’s take an example: ABC Corp currently uses a matching contribution equal to 100% of the first 6% of employee contributions. They have a multitude of competing goals: they want to incentivize employees to contribute, but also provide a baseline level of contribution to everyone. Instead of their current structure, they could offer a match equal to 50% of the first 6% in contributions, plus a 3% annual profit sharing contribution. This structure wouldn’t cost more for ABC Corp, and it would have the additional goal of encouraging at least 6% in employee contributions. Plus, everyone would at least get something.

An employer can even attach allocation conditions to a profit sharing contribution. For example, only employees who work 1,000 hours, or those who are employed on the last day of the year (or both), could be eligible to receive the contribution.

Which Is Right?A matching contribution may be right for your organization if you:

Want to incentivize people to contribute

Are okay with some cost volatility (as people enter/exit the plan, change contribution rates, etc.)

A non-elective contribution may be right for your organization if you:

Want to provide employees with a baseline level of retirement income

Would like to add allocation conditions for the contribution

Remember, you can even offer both contribution types if you choose. Both matching and non-elective contributions can be offered in Safe Harbor format, which is a special contribution type that relieves the employer of certain annual nondiscrimination testing (ADP & ACP test). Some plan documents also permit for supplemental (also called discretionary) contributions. These generally take the shape of a uniform percentage of an employee’s salary (match) or compensation (non-elective). The difference between the supplemental contributions discussed here, and the ones discussed above, is that these contributions are not required to be made, offering even more flexibility to employers. Supplemental contributions may be made alone, or alongside any of the contribution types already discussed above.

The bottom line: whichever contribution type you choose, you have plenty of options and flexibility as an organization. Not to mention, you’ll be providing your employees with a valuable benefit for their futures!

Source: https://www.pentegra.com/current-thinking/operating-your-plan-effectively/employer-contribution-considerations-is-a-profit-sharing-or-matching-contribution-right-for-my-organization/

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DigitalOcean Announces $50 Million in New Funding from Existing Investors Access Industries and Andreessen Horowitz

#DigitalOcean Announces $50 Million in New #Funding from Existing #Investors Access Industries and Andreessen Horowitz

DigitalOcean announced it has closed a $50 million Series C funding round led by Access Industries, with participation from Andreessen Horowitz (a16z). The funding follows the $320 million debt financing in February and brings DigitalOcean’s equity valuation to $1.15 billion.

“We are excited about this investment to support DigitalOceanas it enters its next phase of significant growth,” said Pueo…

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Your Trusted Property Investment Workshop

Who an investment expert is and why you need a pro investmnent consultation? An investment counselor is a expert who supplies investors with investment consultations, assistance and / or planning. Investment professionals work in depth to produce investment methods for customers, helping them meet their needs and accomplish their financial targets. Investment consultants are experienced with a variety of areas of the financial world and can work for a bank, investment organization, or independently. They generally have a financial history, must have expertise in the financial services market, and own a license. Comprehension investment advisors. An investment expert works with clientele to form a good investment approach. Clients can be persons or legal organizations - from small business owners to bigger companies. The investment expert is accountable for inspecting the client's financial situation and having a plan to attain his goals. Some of their responsibilities include things like actively tracking the client's investments and working with them as their financial desired goals change as time passes. Due to the nature of their function, a lot of investment advisors establish long-term working relationships with their clients.

Investment consultants are employed a wide range of surroundings, which include banks, property management companies, private equity firms, or they may work independently. They provide important services to their customers by helping them organize their finances and increase their budget. A lot of investment consultants are usually experienced with tax and property planning, asset allocation, risk management, education, and retirement planning. To become an investment expert, you need a university degree and work experience. Some of the important expertise that an investment consultant needs are problem-solving, math, and communication. This last skill is important due to the fact professionals may need to describe complicated financial ideas to their clients. Choosing an investment consultant sensibly is extremely important. Study the experience of an investment counselor prior to hiring his professional services. This will absolutely help prevent undesirable negative implications of entrusting your hard-earned savings to a inadequately skilled person with deficiency of experience with the market. Make the time to select the best specialist possible. Thinking about committing to property to accomplish financial balance and build a reliable financial foundation for a pleased future? Check the financial investment advisor's accreditations to make certain he or she has the proper licenses. Evaluate their training and association membership to determine should they have the necessary experience and knowledge. Check the page to check top property financial investment workshop to find professional investment advice. Make your savings give good results! For additional information about property investment consultations check the best resource

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Technical Analysis Training Schedule–Online, Mumbai, Bangalore, Delhi

The schedule for the Technical Analysis Trainings by Team Analyse India are as follows.

1) Technical Analysis Training – Mumbai – 19th-20th august 2018

Trainer – Nooresh Merani & N S Fidai

Payment Link , Course Content & Venue Details - https://www.instamojo.com/analyseindia/technical-analysis-training-mumbai-18th-19th/ 

2) Online Technical Analysis – 12th August 2018

Trainer – N S Fidai & Nooresh Merani 

Payment Link , Course Content & Venue Details - https://www.instamojo.com/nsfidai/online-technical-analysis-course-sunday-augu/

3) Technical Analysis Training Bangalore – 25th-26th August 2018

Trainer – N S Fidai

Payment Link , Course Content & Venue Details -  https://www.instamojo.com/analyseindia/technical-analysis-training-bangalore25th-an/

4) Technical Analysis Training Delhi – 08th-09th September 2018

Trainer – N S Fidai

Payment Link , Course Content & Venue Details  - Venue to be announced soon. For interested people plz mail nooreshtech@analyseindia.com

About The Trainers

N S Fidai

An ex-Banker with 13 years of experience in the Banking sector; Mr. Fidai has an illustrious track record of 27 years in the Indian Equity Markets, having started off in 1991. Mentored many traders/investors over the last 10-15 years.

Nooresh Merani

IT Engineer by qualification. Blogger/Educator/SEBI Registered Investmnent Adviser. Writing actively on this blog for 10-12 years now.  Guest Analyst - CNBC, ET Now, Bloomberg etc.

Analyse India Team has Conducted 400 +  Technical Analysis Training Workshops ( 2 days ) across India with more than 3000 + participants over the years.

Technical Analysis Training Schedule–Online, Mumbai, Bangalore, Delhi published first on your-t1-blog-url

[mrhotmaster]

Equity Fund Of Mary Meeker's Gives Invested On Byju's: Learn More

Byju's Receives Investment From The Capital Fund Of Mary Meeker

In Byju's, there are over 5.7 registered students and over 35 lakh paying subscribers on its website.

Byju's, an Edutech startup that is mainstream for facilitating on the web classes, has gotten an undisclosed measure of venture from Mary Meeker's value finance Bond. The new venture is the first in Quite a while by the US firm that is as of now backing tech organizations including Spotify, Square, and Uber, among others. In January, the Bengaluru-based startup raised $200 million (generally Rs. 1,500 crores) in a financing round drove by Tiger Global at a valuation of around $8 billion (generally Rs. 60,470 crores). It likewise got a speculation of an extra $200 million from General Atlantic in February.

ALSO SEE

See How Coronavirus Changed The Landscape? Read More

While reporting the most recent subsidizing round, Byju's uncovered that it has over 5.7 crore enlisted understudies on its foundation, with in excess of 35 lakh paid endorsers and yearly return rates as high as 85 percent. The yearly income multiplied to Rs. 2,800 crores from Rs. 1,430 crores in the budgetary year 2019-20, the startup said on Friday. Nonetheless, it didn't give any insights concerning its absolute valuation.

As per a report by TechCrunch, referring to an individual acquainted with the turn of events, Byju's is getting the new financing of under $100 million (generally Rs. 756 crores) at a valuation of $10.5 billion (generally Rs. 79,400 crores).

"This association is a demonstration of the job that Byju's is playing in helping understudies learn better by tweaking our foundation to their capacities. It likewise exhibits the rising worldwide enthusiasm for instruction innovation as advanced learning turns out to be progressively acknowledged and grasped," said Byju Raveendran, Founder, and CEO, Byju's, in the joint articulation.

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Scientist Explored A New Planet Located In A Debris Disk Of A Young Star

The coronavirus pandemic that has brutally affected instructive establishments over the globe helped Byju's develop its essence in the realm of Edutech stages. In March, the startup revealed that it saw a huge 60 percent expansion in its online rush hour gridlock inside seven days of declaring its free learning activity for all understudies. The number of questions from understudies and guardians for its home learning contributions additionally multiplied in multi weeks.

"Embraced by a large number of understudies, Byju's has developed as a reasonable pioneer in training innovation," said Mary Meeker, General Partner at Bond. "We are eager to help a visionary like Byju and his group in their mission to proceed to enhance and shape the eventual fate of training."

In January a year ago, Byju's procured US-based instructive games designer Osmo at $120 million (generally Rs. 906 crores).

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Oppo Is Said To Launch 80W SuperVOOC 3.0 Fast Charge Tech In 2021

First Arab Mission To Meant To Inspire Young Peoples

As individuals are staying inside to abstain from getting tainted by COVID-19 and breaking point its spread, web-based learning has arrived at new levels. Conventional homerooms in nations including India have begun holding onto apparatuses, for example, Google Meet, Microsoft Teams, and Zoom to give instruction remotely. Set up organizations including the Indian Institute of Technology, Bombay (IIT-B), and Indian Institute of Technology, Delhi (IIT-D) are additionally moving their classes on the web. In such a situation, stages like Byju's are probably going to get further enthusiasm from understudies in the coming future.

 For Regular & Fastest Tech News and Reviews, Follow TECHNOXMART on Twitter, Facebook, Instagram, Google News and Subscribe Here Now. By Subscribing You Will Get Our Daily Digest Headlines Every Morning Directly In Your Email Inbox.             【Join Our Whatsapp Group Here】

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[dvtvn]

AirAsia vẫn chưa thể mua cổ phần Hàng không Hải Âu

Sở Kế hoạch và Đầu tư Hà nội thất vẫn chưa thể giải quyết hồ sơ đề nghị góp vốn của bằng hình thức mua cổ phần của Công ty AirAsia vào hãng hàng không Hải Âu.

AirAsia muốn vào thị trường hàng không nội thất địa Việt Nam qua hãng hàng không Hải Âu

Sở Kế hoạch và Đầu tư Hà nội thất vừa có văn bản xin lỗi Công ty AirAsia Investmnent về sự quá hạn trong việc giải quyết hồ sơ đề nghị góp vốn của bằng hình thức mua cổ phần của vào hãng hàng không Hải Âu.

Trong thông báo gửi AirAsia Invesment, Sở Kế hoạch và Đầu tư Hà nội thất cho biết là cơ quan này sẽ trả kết quả chậm nhất sau 5 ngày làm việc kể từ ngày nhận được ký kiến bằng văn bản của Bộ Kế hoạch và đầu tư và Bộ GTVT.

Trước đó, AirAsia Invesment đã có văn bản gửi Sở Kế hoạch và Đầu tư Hà nội thất – nơi đăng ký kinh doanh của Công ty cổ phần hàng không Hải Âu đề nghị được mua cổ phần của đơn vị đang khai thác thủy phi cơ này.

Sau khi nhận vốn góp, cổ phần, phần vốn góp của nhà đầu tư nước ngoài, Công ty cổ phần hàng không Hải Âu đăng ký lại ngành nghề kinh doanh trong đó có: dịch vụ hỗ trợ vận tải hàng không (746); bốc dỡ hàng hóa (7419); vận tải hành khách hàng không (CPC 7311, 7312); dịch vụ cho thuê máy bay kèm người lái (CPC 734); dịch vụ đại ký v�� máy bay. Đây là các dịch vụ Việt Nam chưa đăng ký với WTO.

Theo tại mục đ, khoản 2, Điều 10, Nghị định số 118/2015/NĐ – CP ngày 2/11/2015 của Chính phủ quy định chi tiết và hướng dẫn thi hành một số điều của Luật Đầu tư: “Đối với những ngành, phân ngành dịch vụ chưa cam kết hoặc không được quy định tại Biểu cam kết của Việt Nam trong WTO và điều ước quốc tế về đầu tư mà pháp luật Việt Nam chưa có quy định về đầu tư đối với nhà đầu tư nước ngoài; cơ quan đăng ký đầu tư lấy ý kiến Bộ Kế hoạch và đầu tư và bộ quản lý ngành để xem xét quyết định”.

Thực hiện quy định trên, Sở KHĐT Hà nội thất vào ngày 8/9/2017 đã có văn bản xin ý kiến hai bộ: Kế hoạch và đầu tư; GTVT. Tuy nhiên, đến nay, Sở vẫn chưa nhận được ý kiến của các bộ nên chưa thể giải quyết hồ sơ đúng hạn.

Trước đó, vào ngày 1/4/2017, Hãng tin Bloomberg đưa tin, hãng hàng không giá rẻ AirAsia sẽ kết hợp với Công ty TNHH Gumin và Công ty Hải Âu để thành lập một liên doanh hàng không, trong đó đối tác Việt Nam góp 70% vốn điều lệ.

Được biết, Hải Âu gia nhập thị trường hàng không vào năm 2014 với 3 máy bay thủy phi cơ và mới chỉ có giấy phép kinh doanh vận chuyển hàng không chung.

Trong khi đó, với AirAsia, đây là lần thứ ba trong vòng 10 năm trở lại đây, hãng hàng không giá rẻ hàng đầu châu Á này tìm kiếm cơ hội hợp tác với một đối tác Việt Nam.

Trước đó, AirAsia từng được thỏa thuận với Tập đoàn Công nghiệp tàu thủy Việt Nam - Vinashin, nay là SBIC (năm 2007) và Vietjet (năm 2010) để thành lập hãng hàng không có vốn đầu tư nước ngoài thứ hai tại Việt Nam (sau Jetstar Pacific). Tuy nhiên, vì nhiều lý do, các thỏa thuận này đều không thể cụ thể hóa.

Hiện tại, Tập đoàn AirAsia có hai hãng hàng không đang khai thác thường lệ đến Việt Nam là Thai AirAsia (FD), khai thác đường bay từ Thái Lan và AirAsia Berhad (AK), khai thác đường bay từ Malaysia. Trước đây, Indonesia AirAsia cũng đã khai thác đường bay đến Việt Nam từ Indonesia, nhưng hiện đang tạm dừng khai thác.

Anh Minh

Nguồn: Báo Đầu Tư

Coi bài nguyên văn tại : AirAsia vẫn chưa thể mua cổ phần Hàng không Hải Âu