snapshot of what Indians have been talking about all week. You can contact the editors at indiarealtime@wsj.com.Check out the main contributors to the blog and their bios here. An error has occured and your email has not been sent. Please try again. You must enter the verification code below to send. Invalid entry: Please type the verification code again.[标签:标题]
We sent an email to: Please click on the link inside the email to complete your registrationThis service is temporary unavailable due to system maintenance. Please try again later.The username entered is already associated withanother account. Please enter a different usernameThe email address you have entered is already in use.Please re-enter the email address. By Nikita GariaMoving jobs? Don’t forget about the money in your provident fund account. Human resources executives say that when employees leave, they often withdraw their provident fund money, or sometimes they ignore it altogether. Others delay transferring it to their new employer in order to avoid the hassles involved,toms outlet.Kainaz Amaria/Bloomberg NewsBy withdrawing your provident fund too early, you could hurt your financial future. These routes can be harmful. By delaying a transfer, you can potentially lose interest on your savings. By withdrawing too early, you could hurt your financial future.“The idea of enabling a provident fund is to let a person live comfortably after retirement,” says Suresh Sadagopan, founder of Ladder7 Financial Advisories in Mumbai. If you retire at 55 but live till you are 85, the provident fund money will play a crucial part in helping you pay your bills over those 30 years,toms shoes. It could be the difference between a happy or a miserable retirement.The Indian government requires all organizations with 20 or more employees to set up provident fund accounts for every member of staff. Both the company and employee contribute a certain percentage of the employee’s salary to the fund, and the money earns an interest fixed by the government. This year, it has been fixed at 9.5%. That’s a hefty sum of money to ignore. Here’s a look at the options for your provident fund if or when you move jobs:Should you withdraw?Young employees or those who are leaving the workforce to become self-employed or turn entrepreneurs tend to withdraw their money.“About 50% [of our] employees withdraw their provident fund while only 10% transfer it and the rest simply forget about it,” says Dayanand Allapur, head of human resources at Tesco Hindustan Service Center, a unit of U.K. retailer Tesco Plc. “This is the casual approach or the indifference to the benefits,” he says.Some employees withdraw thinking that they will invest the money in some other form,cheap toms. “But they end up consuming it,” says Sumeet Vaid, founder of Freedom Wealth Solutions Pvt. in Mumbai.That’s a bad idea. If you withdraw the money before completing five years of continuous service with a company, you’ll have to pay income tax on a large part of it. Depending on your overall income, the tax rate c Related articles:

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