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    27 views23 pages

    ET Wealth 14-20 Nov 22

    Uploaded by

    Rohan Shah

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
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    of 23
    THE Economic TIMES CHILDREN’S DAY SPECIAL ; ese m Umea} for the real world Fy by inculcating fire EWE ETB RSTn UI ASS Urs Pee cha positives : to being ws negative in investing cover Sto ‘yy Smart Money Moves for parents of Teenagers Prepare your child for the real world by inculcating financial awareness. Here are a few essential first steps that parents should take. By Babar Zaidi H== Sheprmeconpind, tye hin aa Tear te enseols Indimnpernts will gto any lens gro ‘ethebestedsestion tera eomorstote? nncasingthaitnanes. Tetras) os pope ive pareatsshoteaeh Jtsinsuch eufonstorthe boas ‘nvetingandmaningexpensessars Rekha Maa, Most people feel parents should teach money skills... How can children learn ‘money management? dat cece teu ae ‘very few involve _ children in money decisions Do you involve your children in financial decisions? ey Yes most Binet 26% errey 20% ors satin am% Purchase decisions in which parents involve teenagers Cd io vate gets 66% , Vehicles 56% 7/2) ar, 51% ‘your child do? ‘Sen personal inanceshould be taut inabitrene Inrneyshonibe sess pater PARENTS MUST TAKE CHARGE Aon ench eungsersbowtomanage ‘mene somata ac wl. inthe asence end nflarel ont ses ‘itinstothe cher arefinaneal er: alwtseearaptots ee» sen econ whichbasisbsssoos. cos sa rntchnl aot ov paNea “Heiscareful with Fraoaly for FAN at seonceyour | money, but wehave put Simuncalprcicoendsertes none | Sfegueards in place, iRtepmagfantscnniecigie’ | Onlinepayments are done through wallets, not ons ected maa eee Ctinecemnbedensenvancnrsean” | 2 from the bank account. ‘Six yeas 2g0, when his elder sister ‘ot 2bank account, Vedat insisted ‘On getting one too. Hes amar vith banking procedures and ‘anconductontine transactions ‘without any asistance ‘ents nee are treate ahr mu Parents feel their kids will spend than save If gifted £50,000, what would Where is your child likely to invest? — ai Te 42% Sito | co es TT 40%, TT 38% 5) 28% is a 1.4% comiocurercies KE 8% FEET [roscoe Hm 4% PAU Le Pa his chartere accountant father introdyced Aaryan france early in Me Though sit not 18 he ashi own bank account and manages his money mse He was in his schoots team that stood second in the International Fiance olympiad in 2018, “Toften see grown-ups make elementary mistakes and mismanage their finances, Personal finance ‘should be taught in school.” tava don orbmtenr Sr ‘onSudhirooshik, 80 feasting ‘So lsndvlbstopetaPANeardas soomasthechinturne it FilupthePAN reatenceandtwoptotoerns Tae Srnietionea slab sibmnttsonne ‘UTITSL. Theresa small application teat scopy eta sent serine i open a savings bank account tateepin te chfiascal urns. ‘and ATMs AMostimpertan skola bahewenoeent tance sei ‘ery importa espetlly Torte yeunee ennntenthatdonserv ii trane Intechaslogyhaean aay iefscran an :ferersmmiobankine py two ‘dayntateonsoe: Xtntroduce them to plastic and uPt ‘eiprlsofenlineraie Keegood ‘heen intineLatsourehildalsosign ‘pf UPTanin itohsbankasconnk ‘ron einen snes At “line aymensare done thre Bhopen a PPF account {nail ‘nent bank Sy ‘othe ntoret rom deposits wll mata {yearermalthe PP aeomnetrttick What your child must know about finance ‘Awareness of these basic conceots will ensure tht when she starts earning, Your chile willbe able to make the rit investment ana Tancial choles sam 9 Pn z] Tantra MAM | Estates icy baeaiin ease ‘how compounding works wonders ‘thin ests ce 18 Need for protection aginst ‘m problems associate ith aking Payee fo much eet seneits ofsaving regulary for | Fite income oons such bank ee nee epost ane small savings sees. 1m Understanding tus ram 1m basis of banking. including one eags typos of eres and wales investments including simple and San cENenaaiNl ‘cenaouna interest and annualised safety measures against fraudsters, FUUS pens inan2 heosoeanillmatarein Batputinganay srllsumserry month Stetshentheeniswstbeaiseersol.— oeamilingreaythameney meds inthePPraccountrighinow.Shecanjust money gxvw safly and stod ‘tbwotgomerrytycal years CZIntroduce he to stocks start investing in mutual funds stackmartets pentru dest ‘oinvesteariinlife Apersonwhostarts adsl stocks Many banks ofe int ‘escenananabaeesumbytbrtme scm hove {Sire shemavnothavetoomschtoin-_ Notewerenemayaeree wth hese Vestrghinowbecasesbenotearhing geson hough A Mubaloused ance e oar a HAVE SKILLS Gs 1 Knowledge about types of Insurances and how they work, basic knowledge about Stock marets and RoW they ‘eneton ‘mat are mutual und, no they work and he beets 1 Understancing charges of Various investments and Dee Impoct PCa RCN ena is professional father has familiarise him wth financial ‘matters and explained the Denents (ot investing in toc forthe long term akshodhas a ont bank ‘account with is father, which wi beconverte tos own account ‘when he tens 18. He wil aso poly fra PAN card. “Ino longer have the time frame togain from Jong-term investing, but Twant mychildren to benefit from it.” pofesnalave abort satay ‘oka Baths tarmd inten ‘Sinvetinginhesonsbeod riskaverse ‘ockmarkts hess, investing “The argument for fixed income investment remains appealing” Given the expected volatility, sovereign securities remain the most preferred segment on valuation parameters, Rajeev Radhakrishnan tells Sanket Dhanorkar. ‘whatare the bond markers expecta ‘tons trom global and domesticmon ‘etary pally for thenext year? ‘wnat pockets of the ond market are mmostatractiverightnow? whieh Rajeev pivintiesacreneane iy Radhakrishnan yrrerttatiewed ClO-Fixed Income, ucts since thelatter ‘SBI Mutual Fund ‘Many fund nouses have adoptedroll- Gonnstrategiesintheirdebt funds. Atwhat paintcan investors consider Whatis your taker ‘aking durationrisk portfolios? Do yousee.acritical role tortarget maturity bond tunds investor portiolios? mbes ont ingame ave dynamicbond funds as cat gory iveduptoexpectations wen Ravigatingacrosscyces? Do yousee enovghimprovement in ‘eait environment or nvestors bursvecreditrisk unas? mutual ‘) Time to reshuffle your US equity exposure? Investors with high risk appetite should make the most of Nasdaq 100 slide. . ‘by Sanket Dnanorkar When Nasdaq 100 plummets, forward returns are high ‘The only exception ois waste 2000 Dotcom rash, when the nde ad no recover even aftr 10 ears. MONEY MYSTERIES Imre most Inverse focoedon ooking a ‘aantes an scent Hey ae god cama whose stocs hey snl he theca ting oo ecep that stating at tether fvamlane eter lon i guest @ There are positives to being negative People who always look for faults can be painful, except when it comes to investments, says Dhirendra Kumar. as imeem nena? Soi,” oo Sse Soreness oo uotoort ovis iat Startwith a hostile, negative attitude, When Peatlon erp pe marr i Toutes mtn ie he someonesuggestsastock, “nn caertion, Aerating ‘sco Sao bad investment. thivimesrscanessyandersandand itvabadinvestiert Teresreaott proctce Thefts thingtodoiscassty | posvestobngregative etucsanaprevenod he Diackingswouklnot— Mearpatisintogeodand bad. Sof 50 ‘Whatasobelcalamyhed een proventedso NOTothat. Inve: mostinvestorsare TharthearrestsnouthavebeenJustoutne, Toeustdanlockingatcompanksandseing ‘ ‘oonepesanveredit they shoalsinvesn Rss Deckdentsotereeatackstoransomare.AwArorasavsetean tart doesn LL ‘ease anesrulitonton ests seodortad companies Pay oie, Investor shoulido? think itis, and lookatdozensot things todeeide whether a ‘constant awareness otwhatiskeping ccmpany, no matter hatpostve terest of RoceunlinvestorSonetinetack thea "Thopent aque intretingard hep ‘nintretngehatwithSamisArraawell- Wheneslectingnstck yaneanaceecbe Tomminvestnontmanageintotndian 1oysureits worth nesting Even sore Avoraharelensckforespiaining sue However therjectare oie tt cmentprinegiesnawityandoriinal Oncoyowdctee someting wren. hen stocks Low cash conversion cycle improves profitability and also aids in creating shareholder value. by Sameer Bhardwa] 0 ° 2 tec ae ob oy Into02C platforms sure roy ond avers ng pedne lt Coal repr lve the ‘e500 10053 stocks u 364 ‘THE MANUFACTURER OF cons lect (al pretets report 23% yoy ero in Feverue nthe second quater of 202223 Sopored bythe oth n the aotances foment ang onsleaton ot Bute (Gardhinat past-acqltn. Te company is Steal gang mare tae te care fons tategry, water nesters a sal oppoce Crompton Greaves Consumer (: 2 ae a strong cos foo fave dren margin every ahead of expe talons over the pat fen yore Te conto: lng take acs af Butery Gane Wwilcrete amore cheraedevense bse Saige is reserce nthe eho tutnen anolancesategory Te resort televes thatthe aguon ering a {Getveané provides enfant petal @=" Porn repr sayeth beter mand _formarginsmprovenentn te re sre shows Cece sonal goes 25 0g 4 | 3 ‘we consuuaen eigen Tuunco AL groocs mnutactrer Feoated weak ertormance Inne secnd quarter ae Fevenue and EBD et TR ond 8128 ona yoy busi respetvety Tre Derformance was impact Byaweaceetnc commer dates seprent ed by fans chanel destchng bien in weak markets Intensiving competion, hig cos meron, ated misc reern ‘The management expects asrangrabounain the Second aif inte eer ensure drole segment ‘cody vlue recovery in tarated fons nd sfter tematic report remars ot brossets ofthe crear) 237938 ae hn corns estimates a he Sond quater ena consobate bass. The perf ‘marc wis supported by sora buyer dene that sas ven y premium cannes ana rans “Thecompony wisi aeathy 17-198 growth infesive season doar across key busses in ‘etber Acorn oa Wot Osa report Tan tas stron runay for grow ge ts market Share of sub jewsry ant continue tue ies faxed is pers ts medur tong erm anings growth vst stat Desotevelatl- Trying prices ard cod darptos, seo Ings CAR hs bee tl t 24% forthe pat ve {ESS Te roerae expects is rend fo canine ‘roth ‘sparse bacon ' srenareanoroncona fon enim 5 spendinganssarsitne SSrngcapl vo Se a snare cash ows, ra a RANTS HOO comoan E aa hg = oe lies IT MANUFACTURES BEARINGS proves freien ‘anoementslsors rns spicatons ‘eorted a olne govt of 238 yoy ne second {rer soporte by areovry mCi meee Soles of rcs od eases capex by aay inser iM Fran report exes Tne oan fom acaa recovery inky searets oer 202225, Srd 202425 crien by lve tender om dan away it eer vokaes fr OFC coir ‘rhe ol ling stock oe uotce n ‘rower ane nit ngrcion neta & sseso0 Serr bisies mh share of exart, emest 10083 {orest of EV dsrpton ands dominant shen sera rrovaaz | plete segments fe oer sens ton Prot Symphony (Household Goods and Toes Ca rae oh aay Og S| ata rooney 76 96 ‘THe AIR COOLER manure reports elon ‘stimates numbers the second quarter with 245% and 674 -0+ goth inevense and PT Te perormance was inated by ine oases pertrmance oft Avatrain ry Cimate Tecra. The conoars domestic Buses expected ‘ocontue south mometum, we er rational business unarouna expetes to be {he tvong recovery inthe somestiearcaling Imarve to conte 2022-73 a loner co tect oies wl help marist reach pre {Guid evel. The ep stnates 26% CAC For Erba ara pa over 2020-21 and 202528 ‘Stopated by ner operating ieverage. isk roe isa eerste Investors peternces, Ise forthe fete adie fdsrbutr ut foes nat abate theinvestrs responsi ot ‘Serving thet owm financial» anving yank perinficalivassme to ‘nowt thessealloetion we rset gustionairedoee ietdnyscatemtinerest On my nb have ‘orersmglifeatomeach neta {urs tyserviceproviers~investmontadee Seandlarbutns pao frsrtetheriskstoenblerisknstieaton, ‘Wehavealghistry funseruplousopere ecordingthe invertor iskpreerence and Tesalsoapronine orth nestor sas setaloatontobe gud sk paies A asketofprodcts essa sol sed aod seetallogtintor tat specifiers. An Sngrossive nestor te moreequt exposure! tdacanervativetmvestorgetstessitatew {lonshavewerkedforfverors overtime The asoenshisa sod amauntesttomatin ‘Where then sthe probe? The riskprofleis tors prfrencvandanspeiicdjectienin ‘ning ftingaproductorapartti iL Ielfcent tr thepeeduet sli s3or and havoursandatiteestorskand tuning protrences. Muchas Wolke ak peeences tobeamenaleobing casi underiouroe ‘Wecanotranh impose on the setesthe nod toprsnalzetherik poi smt Festi temo runan ietualisk pre ‘Secateurs Tastnatarecurtodandtured cach pera, Ula one sdatine th the wealth Prseniatrsc ates benef ‘oeestcatakthatcannotbecsy dae ture sem work nedsto be dae tebe Tecndigresstodseussonething ds. elie dicedersallefraregrippdwth the ‘tsrofthaewe nino sees arse Turntothemeteaprotesson ocomewp with {slain The way wv apron pacha toms andcome up ithcures The roeses in ‘eivethetretments reommmndnone snd ‘tpnplostareasorabincest Ove i.e tmachinory esl leith ener ‘i. masapraductionofmedistionaodabe ‘adurrthatimithe abi actors that iret dseae ‘Whathasrisenalongideaeateratve sp prsehistodheaseandinmumertesa ep ‘Sssomsans precise Viewed mth prism tiyoternnneeine thesoaproachesna nt archappy toto thngsin theta When You know your risk profile best Understanding one's risk preferences is a task that cannot be easily delegated, says Uma Shashikant. earethattesetwpeillepesat esr teonserveathe ness cetera, rans: thozhor pprachosrematnon thesiten virueatbetng wo uoxyneate, ‘Bodmarits wih prafaceatabowercos, Seep nreads, Witoutakingsdes. ome ‘ter arate whyanctuervai based, ‘standardaedsytom Witsoe andi teontsandetortsastne bis attract the est mindsto work forgiven teezatng hee ass nother tmecennotrow or osmtod retour Stem depen te forthe expertise Indonsthistorws.Ttbeoeerts weet ‘swith tment rt thatsyte vale Oneheathec hand tneexert tntjectdte resected ratty wel focrnsstrshcastsaston stn fitowet Burthessystms are beter Scpainetatbaninereet in Centre-nfeatians anafinantl protues ‘Wena athe sbstogetmadistions stored. tit weesnscmestatsertefoo tweens Wecmabwolutelyalterand ody bemorecbservant weneod hanes abot Ivestentmarketsaalpratrs Thelazy Ibs The trusteennplace onetners ‘sbrokenformostgar The respons bainstavond th ois nyse Inweperateou inution moour ives, ‘atau frinvestrs rea reas femme ty ayy argument iethat what ees nanayigis simply teltetacebe= ‘ures pores thes teyond hat ‘wuestonsatiescan ease: That might be ‘ootplae to bea financial | How to identify risk in investments The risk one can take depends on the time horizon needed to reach a goal. Anushka and her husband ritherhashadnesd — siitywillsmecthonow. Anahi is abs gedsstiotials whole Teoevelingtotkesomersks — tumptedtasignhighreturn ests Theyhavepartedthermoney Sateren chee ee deyeantie Whilst RN ate Sabencunameren iaibamcoacres” Sresnreeemacre havetotakesomeriskiogen. Herta, Ea nat Ioahigseturn ines ee O ammine thattheycanquicy gente acettementmamenty entra ae plans-Theywantoknowit — Sorwictpctamittinimae” Samp anet angers mine their risk appetite Suey ogra nee hava commenting ory retreat ‘oratory craton eh SMART THINGS TO KNOW “TODMUcnS Famarty erémena- Sarma Biates to fyieeste Inve: ok Invests in | mecney as acs Srevetss | Losaversion acs intormaten tistetamiag | fealiton st eesnein, | tonenesi reese senor poortnties | pectingareeat ord an ineesors ‘table opportunites erevents rem Shameannets | biemang srayse Seesentme | Sen voentne rs rom mig ne Ghestemten, | incecson mre, ores ‘ould very on ristaals PAPER WORK Forex cad for International travel {rng soa ree est ‘ease way fines 8 tgs ore cr Ts are Fenda on can eva eb ingthseador on othr oh (tee cere eared Who can buy a forex card oniyaxvccaratant Fe) urease res cr Nan vescent ans ‘amet spl fr ae hearan be (age ater pee arama Sere he sopsation er Documents required scohycal tm) ore wth he farm te atorg comers Sates coy ofa ‘ants pssaot lors ates cope ot the vison onion ket Charges eee an a isu conouy © made an be reruns see (ears Utilisation of forex (eB) cen tay ‘ete ers rom re fate a se he re ied Gye ot satin he co Ite mane es ben wise. Syston theca of ava nda = Points tonote “tounasnge texas ‘tyes rave stro ee aong wi he res rd High savings to help meet goals Despite the short time horizon, Lucknow-based ‘Saxenas will reach all the goals in the specified time. ‘by Riju Mehta enkicarenty sngnbond They “acetal groper worth crore fem 4 kh fehl education, ‘comprisescash of lakh equity inthe formet oss acme smnaerth ‘rt Trl se ing 230k eee ae a theyeansssiznaportanof thetrfixed {2a for whch heycan se ese proceedfron heircurrencar andor ‘lle eroatortnsr rams Eee Cash flow ildseducai rorthisieyeanalin (EOE _~BSRIKD_2.SENAN (Gicthardebandequtyfumieandapee: yon thoofthersecksand GPF ee yearcinesnecdesisiainanecotstan, — 220tses OASIS 6908 respectively Forth frst they ‘Seporimotsocrsanstrtbesocmna ett moses ‘items Fan ga thvwillrquieseongareteberon oo SRE ac Ugaeanbemet bibs ensontat, BMRA ee Stuiecese Nothin” games 5802500 ‘a canbe wat hr wath raion. ‘otsouton 1.76lakh 1.2610 Forletorance Sameer rm Perbansn they don tneedony more ie ‘ove Theralsa dn tse halt SAMCER 6 VEEUA SAXENA. 1 £50 VEARS, SERVICE LUCKNOW How to invest for goals rergeneyfurd 892th é vs 23.00/25 Buneacr 2871/35 - - ndcidsedaton saserore/sys FOSS “sleds wedsne —S3521im/Syrs stocks - Fetrement 0croe/Sys Pension - uyegahouse 2escrore/6yrs Realestate 5 Insurance portfolio Urenrance Temgians@) Sore 6667 contewe 667 Tatton _ . on ee you Some 6867 eer estourane Enos om _ . ‘ccs Scena 7 . Sian Write to us ireorninonsnerarineanent Sve * Steeememwaennesn MARU STATS = ET WEALTH TOP 50 STOCKS Every week we put about 3,000 stocks through four Key filters and rate them on a mix of factors. The end result of this is the listing of the top 50 stocks based an the composite rating to help ease your fortune hunt. ronatine 11 nee a am ost aus 6 iy rast growing stocks oh 22 rea) 2200 W600 1887 233 13 00 18 107 3047 Coolindia 2003 25445 2800 3900 908 365 G65 O21 154 O79 2% 415 ‘Top § stocks with the highest Larsen & Toubro 4 4 198000 2500 4600 3247 342 11D O71 114 101 40 472 revenue growth (%) aver the pre aes Pale 5 ‘sist 7300) co00 isso 201033, aat ier iis as ass) | MINOT COAT aA co Hmauomnies 4 84300 160) G0) MO 396 Ot O im ts 2

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