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ON AUGUST 22, 2022, the Central government announced a review of overseas investment framework to bring clarity on direct and portfolio investments abroad. It brought various transactions under automatic route to enhance ease of doing business. Overseas investments rules and regulations superseded the earlier framework governed by Foreign Exchange Management (Transfer Or Issue Of Any Foreign Security) Regulations, 2004, and Foreign Exchange Management (Acquisition And Transfer of Immovable Property Outside India) Regulations, 2015. The government said the framework is aligned with current business and economic dynamics. The changes were projected as important “in view of evolving needs of businesses in India” that needed to become part of global value chains in an increasingly integrated global market.

A year later, in August 2023, India’s outward foreign direct investment (OFDI) was $595 million, the lowest in 17 months since February 2022. The cumulative outflow was $4.2 billion in first five months of FY24. It was $13.3 in FY23 as against $18.1 billion in FY22. The slowdown was a grim reminder that investment decisions are market-driven — poor global economic conditions in this case — and increasing ease of doing business can aid but not trigger overseas investment by Indian companies. “All inbound and outbound investments are a result of economic activity. Considering the buoyancy in Indian economy and wide consumer base, more and more multinationals are setting up offices in India. Indian companies will also invest overseas depending on business opportunities. As global economic situation improves, Indian companies will invest overseas,” says Puneet Gupta, partner–Tax, KPMG in India.

One year is perhaps too early to gauge the impact of a reform but finance ministry data says OFDI has been in the $13 billion to $15 billion range since FY17 with FY22 being an aberration (See: Overseas Direct Investment). Whether India Inc.

American Financial Group, Inc. Management to Participate in the 2023 Keefe, Bruyette & Woods Insurance Conference | Business & Finance

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FINANCE | Investment ideas for business owners | Breaking News

By definition, business owners put a lot of their financial resources into their enterprises. But as an owner, you may need to invest in more than inventories and payroll to help achieve the future you’ve envisioned.

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Here are a few investments you may want to consider:

Retirement account – Depending on the nature of your business and how many employees you have, you can choose from a variety of tax-advantaged retirement plans, such as an owner-only 401(k), an SEP-IRA and a SIMPLE IRA. By contributing regularly to one of these accounts, you can avoid being entirely dependent on the sale of your business to pay for your retirement years. To fund your 401(k) or other retirement plan, you’ll have many investment options — stocks, bonds, mutual funds and so on. And if you “max out” on your retirement plan, you may even be able to build a separate investment portfolio. In any case, keep in mind that you’re already putting a lot of money into your business, so, to achieve a level of diversification, you may want to concentrate your investment choices in areas outside your industry. However, while diversification can help reduce the impact of market volatility on your portfolio, it can’t guarantee profits or protect against losses in a declining market.

Property – Your physical space is a key part of your business’ success. So, you may want to invest some time in comparing the pros and cons of renting versus owning. Of course, owning your building may require a big financial commitment, and it may not be feasible, but it could free you from worrying about untimely rent increases.

Disaster protection – If a fire or a weather-related disaster should strike your business, would you be prepared? It’s important for you to create a disaster recovery plan,

FINANCE | 401(k) door opens for small-business owners | Breaking News

Are you a business owner who has wanted to offer a retirement plan to your employees, but you’ve been stymied by the costs involved? If so, you may be interested to learn about new legislation that can help open the door to the same type of plan enjoyed by employees of large companies.

At the end of 2022, President Biden signed into law the SECURE 2.0 Act, which, among many other provisions, provides tax credits for business owners who want to open a 401(k) plan.

The tax credit was introduced in the original SECURE Act in 2019, but it’s been significantly increased in the updated laws. If you have 50 or fewer employees, you can now claim a startup credit covering 100% of the costs associated with opening and administering a 401(k) plan, up to $5,000 for each of the first three years of your plan. To qualify for this credit, your business must have least one employee — besides yourself, if you’re the owner — who earns less than $150,000 a year. And you’re eligible for the credit even if you join a multiple employer plan (MEP), which, as you may know, is designed to encourage smaller businesses to share the administrative duties involved in offering tax-advantaged retirement plans.

SECURE 2.0 also introduces an employer contribution credit, which may entitle your business to a tax credit based on employee matching or profit-sharing contributions. This credit is capped at $1,000 per employee and phases out gradually over five years. It’s also subject to further reductions for businesses with 51 to 100 employees.

Another SECURE 2.0 provision deals with Roth matching and non-elective contributions. Effective this year, employees with 401(k) plans, along with those covered by 403(b) plans for nonprofit groups and 457(b) plans for government employees, can choose to have

Australia Embedded Finance Business and Investment Opportunities Report 2023: Market is Expected to Grow by 46.4% to Reach $4,277 Million in 2023

DUBLIN, May 2, 2023 /PRNewswire/ — The “Australia Embedded Finance Business and Investment Opportunities Databook – 50+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments – Q1 2023 Update” report has been added to  ResearchAndMarkets.com’s offering.

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The Embedded Finance industry in Australia is expected to grow by 46.4% on annual basis to reach US$4,277.0 million in 2023.

The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 35.1% during 2023-2029. The embedded finance revenues in the country will increase from US$4,277.0 million in 2023 to reach US$17,748.8 million by 2029.

The Australian payments ecosystem has been growing at a steady pace over the last few years. The innovation led by the buy now pay later sector along with the growing adoption of digital payments among consumers during the global pandemic period has driven the growth of the embedded finance industry in Australia. The trend is projected to further continue in the Australian market, as global players and domestic firms continue to invest in the space.

The growth of the sector will be assisted by the increasing prominence of embedded insurance solutions among Australians. With new players entering the market, firms are also raising a funding round to compete and expand their reach among consumers in the country. Overall, the embedded finance industry is expected to record strong growth over the next three to four years in Australia.

Embedded finance firms are raising capital rounds to further accelerate their growth in Australia

The demand for embedded finance solutions has grown significantly among customers as well as businesses, in Australia and overseas. To cater to the growing demand and accelerate their growth, firms are raising funding rounds in the country.

In September 2022, Shaype, an Australian

Global Embedded Finance Business and Investment Opportunities Report 2023: Market is Expected to Grow by 39.4% to Reach $267.53 Billion in 2023

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Dublin, April 20, 2023 (GLOBE NEWSWIRE) — The “Global Embedded Finance Business and Investment Opportunities – 50+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments – Q1 2023 Update” report has been added to ResearchAndMarkets.com’s offering.

Global Embedded Finance industry is expected to grow by 39.4% on annual basis to reach US$267,530.2 million in 2023.

The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 28.5% during 2023-2029. The embedded finance revenues in the country will increase from US$267,530.2 million in 2023 to reach US$862,171.7 million by 2029.

Globally, investment in the embedded finance sector has surged significantly as both fintech firms and banking institutions seek to capitalize on the growing shift toward embedded financial offerings. Digital platforms and businesses are increasingly integrating financial services into their products and services to drive customer loyalty, revenue growth, and convenience.

Private equity and venture capital firms are also foreseeing high growth in the sector, especially in countries like India, where the market will record strong growth as more consumers bank, invest, borrow, and make online transactions. The market is also projected to record robust growth in the B2B embedded lending space, as small businesses struggle to access working capital through traditional channels.

Embedded lending leading the growth of the embedded finance industry in the global market

The macroeconomic challenges faced by small and medium-sized businesses are driving the demand for working capital globally. With merchants and retailers struggling to access credit through traditional channels, due to rising interest rates, embedded lending providers are experiencing strong growth around the world.

In India, Rupifi announced that the firm had disbursed over INR 20 billion in loans to businesses since its inception in 2020. The firm is offering embedded lending solutions through leading B2B marketplaces

American Express – On Barron’s Most Influential Women in Finance List: American Express’ Anna Marrs Recognized for Helping Business Customers Thrive and Grow

Photo: Courtesy of American Express

American Express’ Anna Marrs, Group President of Global Commercial Services and Credit & Fraud Risk, has been recognized for the third year in a row on Barron’s 2023 list of the 100 Most Influential Women in U.S. Finance. The list honors women who have achieved positions of prominence in the financial-services industry and are shaping its future.

Marrs is responsible for the company’s commercial business, including corporate and business card programs, B2B payments, working capital, and spend management businesses serving millions of small, mid-sized, large, and global companies around the world. Additionally, Marrs oversees the team that oversees credit quality and fraud controls for American Express business and consumer products globally.

Marrs said, “Leading with an innovation agenda has been central to our strategy as we continue to help businesses navigate the ever-evolving economy. We have made great strides expanding capabilities to provide broader business-to-business payments and working capital.”

Now based in New York, Marrs is an international leader with a global perspective, having lived and worked in several countries. Starting in fintech, Marrs went on to lead global banking strategy and transformation, commercial banking, and private banking at some of the world’s top companies. She also serves as co-chair of the International Advisory Board for non-profit organization British American Business, sits on London Business School’s Governing Body, and is Amex’s U.S. executive chair for Give2Gether, our annual campaign encouraging colleagues to donate to a charity of their choice, with the company then matching the contribution.

Since joining American Express in 2018, Marrs has focused on adding more value to our membership model to meet customers’ evolving needs as they manage through business cycles. Under Marrs’ leadership, Amex has landed as No. 1 in the J.D. Power U.S. Small Business Credit Card Satisfaction Study for

Business And Finance News From Guardian US

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Business And Finance News From Guardian US

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