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    ioMIC TIMES FINANCIAL fa Jena Tay ea COUPLES ARE YOU SAVING ENOUGH FOR RETIREMENT? . Find out how to overcome the hurdles that prevent you from investing for this crucial goal. a _ oymemarStelarfoy ——esyacianlicatteitias, “The reduced a = Rigaantcaumengiwre'sa incentive to save Strimnasrian awpicire) — erthanyouoeedio.Asosercizsinins UNGer the new tax tneimesmenraner Stns wich ce m Shinedtomesesomamennocn” — FEBIME MeANS|OWEF — fncrrminesmens savings and, later in ‘life, more financial . problems for most meamoeatenn people.” i sietewietngeta” —Nomore nudes , pl es Sees’ mA ‘seyret cover Stary ts nana oss nso Tice Shriya Nagarajan os" 25 years, CHENNAL "Fan acim poss 2563 et HOS crore ee fexietcone ‘renemeaneowersningsan ae $60,000 per month Underestimating inflation ~ Ey ah oe) estes an eran nvestment Feeinised le ibegrcse le te oranteene ann rite {ndaersiom eerie ‘Sestrntremet nce Soak fnpertahrseongaresonble ‘rote te esate anon eh taflaenot eciaing year ‘Stn are cre name Shr a ‘een tte rte eto ‘seesaw pete nine ate caring teatincee tiavanycorrovtheperad ates £25,000 &5.43 crore ‘itiscer oocyst How long will your money last? ‘get amon of #0 09 todays va arrestee 60, P2Biyearl maul 9 rps 027 cores ion suse wtefoalsi te ae ofS. ssn 108 era tus he wl Pea Ines S800 5m rea rae we vee ml es Mervin S60 aerial Agnes ens qa. caso0 ersicoe tt @) oro 80 years +=20,000 ) Siveen | Es ee ieee cover Sto 41 years, DELHI ‘Praia cept ‘Years to retirement ‘Medical expenses will rise eL78 crore oa SzBED per monty Se ccoramanes eee at a3la elatpedatinart pet Tee ws Meath nednert: ‘when you areold,” says Chopra. 738,000 ‘Theother concern seanepeemiehave’s Jagriti Tewari az aircon 31 years, MUMBAI ‘eet tame Yearstoretiernent 34 years Tt18 crore 50.000 p per month ’ J ‘Avoid big commitments yates Sswtartntany ter ann mt eS as ents irvestment 215,000 {Setnstoe snes Thonn ‘Sates apuey er her “Under-funding of “Buying a house ‘Shenateratsinsstmonts er retirement corpus very early, when ‘pals Buyingatouecintecrl years isa common you have just Seer problem. People started earning, is ‘Shs Vivettona, Counter Goll don't realise this probably one of a , until much later, the worst financial when the money ——satstex planning mistakes s,m starts running out.” fast, you can make.” LS i= Now, all hospitals to offer cashless facility By Riu Menta ‘mvt 000 NFO Seperom atercary pare = aeRO Ina ryeer naan ane Insurance is the most bought financial instrument High awareness of tax i, in health insurance Sax? INSURANCE, 6in sean net arog mame FDs TOP Ee : NGS . @co; “ ) TAX-SAVERS = ince ts = es son as Ce ee) 63% are wiling to pay 28,000- om = “poouteseathcoe ee Topoet, —Crommeresal teal reveals a recent survey by a ae ; Fe ag Sreopreadess "neerentim Joc Lombard, Tasavine MFS/ELSS 442 o mee ie, FO 2A 62%.wilingto 2 Ater0001 0000 pay 28,000- “Som ; 30,000 for nes ought most healthplan oat for tax-saving “0 _1peenoor-10mm Sh, 3a onpesteet @ ans mutual (cs Size not a drag for equity funds ‘Some of India’s biggest equity funds are delivering better returns than most of their leaner peers. oySanket Ohanorkar Biggest funds have fetched T healthy outcomes did aot impact the fund performance S544 ‘lansing otnyoar ares Sterno oy wen Heres lok at sre ofthe financial developments and changes that wil take place fam the cming month SGBnew tranche pssmen serie ine) Shey vetoed FasTag ekYC nsw Upelthe CT deine | 3 The beNPCl WoupdnePASTasKC wat the‘OneVeie, One FAST | ri ev at Aron Gar Ingefseveral FASTagsioasin. | PSB FD deadline sharactunesTASTacor” | Asem Pnyant SBI home loan offer Schomehonsistsknuary | pveepningthospecl FD Thedistteaiioe "theater ‘aa ns —Seteares guest ¢ column Automate investing rules When the markets are zooming, apply the basic principles of investing ‘that are pre-set through a prescribed process, says Dhirendra Kumar. (es oa Sieecineopnn titgetentnaty FRmunaeainernalirnthsr eso {hated face tmp Ine alston ets pencen ot Invesingshoul be pest ia © Shetnereen Aligning careers and finances It takes time and effort to know our professional potential, ability to earn and financial personalities. It helps to have mentors and guides who can help us evaluate these along the way, says Uma Shashikant. TE weemeareanenemnees ieee enee Sencar: | NR Wehitthemvectootwhen "Taxman LL wekno ‘isdone. Ser We know who will pay top money for that skill, and po- eo 0 “cut he octet Steer | an moa ees Seatac ee ieee oy Sane nr mare ccaaieacr ‘urlonsebldblpbeoansamatieho Financial planning advice for a young earner Arigid financial commitment at this point may not be a good idea. Ruhaan isan engineering graduate inhisfirstjob witha telecom compa ny. Hohasbeen employed for the past tight months and hasbeen spending his salary on partyingand baying things. Henow wantstobringsome stability tothe way he manageshis finances. After expenses, Ruhaan hhasadecent amount that hecan save each month. Hehasbeen getting con: flicting adviceon whattodowith it. While histather suggests he invest Inhouse, riendshave been tale ing tohim about thestock market, Acolleague has recommended that hefirst take aie insurance po since twill help him in plant taxestoo. Ruhaan findstheadvice conflictingand would like helpon how heshould goaboutit. stmt i metals “ory ornare borane ee, Portfolio Management Service charges $$ opening an Nes acount ‘ambareienewsvre. ‘andy ax tees The Ws, Registration = 4 (ee) count selection So) nes. ne apo (Epo) eet manazer front rena atin Eminent Ear stocks Be wary about buying these stocks With volatility expected to intensify due to global factors and stretched valuations, be cautious about stocks that are facing headwinds. ‘by Sameer Bhardwa} ‘ant tina. iter A= é “enasryata on nt Thelsioyenrtondyiadiscureaty platens warmed Sycmpercdviin,| een tniurey wets? SoriigiodsacmpiedtesSDL: tmiceteitiigarveetetct. 3 homarstatsiasingttsin tts havbrmenied Po estinaerhase fstmates by 298 and 239%, respec {ey oth fe ene and prtoranes rontsby 186% Incr ana enoy ae gece Fowever the nat ae nl er op rt abutter Act Fst see sooty et with at Bri chamcal oi aps Asa $e for cow du fo uravouableran ater rons iad omaetion Ure chris seers ered 9 tte the oer was ty ice care tonin ts ty pose 280 te ete bertrmare of somes toes Dweak dena in at areca ats that ere m0 ibe a enaneey pe fremin wl rman rated he nef fore Arias we rece he aay ambardmiseedtbecerines wily thse companion Iaveexpressedconcernsrogardingtie mainsin caution whe sppeanehine {TE MANUFACTURER AND ee ere: Beta reout 3 ato awh n sles a BTR inthe December 2023 ant per ecans (Slates cmos by Retr etl The gene Semana sow tiger retary a teas {o eda mogese volume owt ne ner em ‘As. coesatng mas re hey 0 reman uner| ‘arse co. Te company face calles 5 ‘fein sblein bth he conan pen ‘Same reover higher cmpetive my sa they paces the perfomance inthe recent pat rays have reais fe coma sf year 2028-25 gs estates nthe sts nots by 65% Hearn areca tract repr ase a meee with the corpary’s management the id ‘sorte Decamber ure) sos re ete on ae ‘lent bess bt tov ety 0a he suaten Fas revese and demand hs sen ete at Istathesore nave shrone Asian arg yt {obe cen ncommer beaver reancn sis, tibet to rivng te tock re stocks LTIMINDTREE {THE coMPawy REPORTED assed prormance “ented omen norton seta aos Fier outs mace he erforance Vera see ort revene fel 17k ga wheres ech, redid etal fel by Seah he manaseren ha rove 9 eek fourth ua teroutook and restones thatthe overs dear Enrermert s cto que odes ndecson ike esr on onosatan sending y lent td pada ecoveyotroughs Town ne ea Blole corte be Pet ard prostin ese tts toes wa fr the ore tem. he et ee ‘artes cnet see headin ne alt 3h fonts ans ave rece the company's a yer 202425 cannes esinates 7.2% ' ert oat Catal report expects aren be Hees thatthe omoarywileach sas 18% Ioren in 2025 2, aga he ear expeatan JUBILANT FOODWORKS EE SMS ‘Te PeRFORMANCE OF ie fed service compa) Inthe ocember quer iexpce sae tote demand, she stil sean an crit Word cp le rorove te demand cack Serve resturant scar reve ears ram Etre secre ue Cent rte exet he ‘noanysEITOa margin fo cele oe 150 fast poms inthe thr carr of 202524 Hen Tau" ost nated vette res ona bon capstan) an ase rosin ais Se he ey otra il ead omar een ‘Aan om demand wesoes ring ere on ean a Invemets new stores renovation of xine ‘freon todcionofvaue ase erin or 202425 earangs ests by 18.1 “An Abt apt ear a alesse ih Dbecenaer 2023 eget even tous back or Subir set at stoner pce ey steer on Honever hereon emanations se 70D) gy SEL fee segments shorter eee eal Pow ‘epeoence ane apesve mae hopes mare ‘rorovenen seu 10 thersing caine of fod delivary aerentr the ‘Stare htt ne /repanal ean, scones than ore concy HINDUSTANZINC eT fa | ee Teadandstver ruc rise th estimates nthe Seno gar at ‘nlumes The reve ond roa wre 3% at 188 pies by asters en Fabs by enced ober he ME cso 2c andleaste by to and 15ereoectey one ber quarter duet ester bal overs Biystuston nthe pt Ettore rays nave trearess nae pies, “The overly ston prices neki the near fem staat Cerin aroma the Boba ‘mang took tes he Stent report The Picanto sits that at eset, ‘igs ager vlne tents aoa acre Initeoetszne prices 12024 alee Chrest ‘mand wists ne feo ihn oe eave ecorearys growth te also ms Foyer 202675 crnings Fring he eats. nates y 83k (Sen tuncion east rape oo Sytem wt s00 financial (>)! Financial challenges for live-in couples Find out how to resolve the money issues and secure your finances if you are in a live-in arrangement. by Ranaditya Barvah Joint financial products nin CELE Penrice) Bengaluru PEs Living together sine 2013. EMSs EG G webeepour finances separa Both ofuscontribute tohousehold e question each other'spersonat CRC De ideaenal PEs Living together vith ives parents sine 2015. FINANCIAL STATUS raveut cous Rem nt oe Serene Seovte nese 008 - B wnite camaaltets Ml) weshareour secsin me expense ‘sme eto i Financial planning forthe INSURANCE atanasecor future remains — ey Jona ‘in individual vetoes SO [St exercise. 99) Inheritance svitmay sith cginers sen ‘ple Sincrmssontawednotappy_testmatorloetin ete pregety ‘cthemandtieleistnceremnnsam— thepernerhledeberring lhe Mauamawiirenaiatrbet as iwe herigtanertane “Ara Sieclvedareatceatiarenstcrered, ‘sonvissitomabetoeparter sia bythetindsbuconsionAetortwindan blderornaminerethe net eichse/bs ‘ritamipimdiaeemieawison nein ah erhence cig hpeencepftstoqaatedtnraugha “ORMDRENS ONT Toren coupler ictamenavngaucheltenshpesad. wheres ning amet erate Jeetjuclaldaceon,“Suceconiaw tube caren ar onaere eg overs tomccterproprectinedelatatheSupeme Cour tvs Mabe, a owor nvEst on suv assets Jom ae maracas ieee Sean financial 9 Ani ‘ur aling tatty enon ave Deeper ntancestral reper ‘“faeSuprame Courtine ‘het ae ah, Financial planning Seti" Uinestiedenmutrerran poe. Saape unsnisuanatavae Cisne haves ‘Sn ey prem Dn ren epraeeta eplnganeep semis Dempares Senet i finger emg aheer ‘areata ‘pinnate inmates fi aie treats ‘SSmcrees abieanptie My Peru e At Pesci) ‘Aspe the Supreme cout. 3 woman who Pa ben ina ive- Inelaoship for 3 conser ae period ote shuld tenoy the same rn a2 ‘marie women, Ee ‘Avemants teri pare (alemal ans cure {en nen A 205 Issue vneers wom | Ire mie eats ‘her tpt oer ‘wc ter by th whe the rope scaled her bravia acorarg oa it Shei hve a over ber Dooety nts thea ner. thet ts ten mer or ‘hey nese wana ‘ser court ries 2 woman in Bive narengsment can ove that cws simi toa mart rettonn sean dm mai 1 tein! rere ote, Shecansnecmamenonte ae inalvernrastensha PE ‘tence abseil icla hie metre 200s Domest lnc rend nce the ncn en Cos, aby ag tes ans ae punhabe even nase ven Fetters. your @uariias ‘Si iromeus coat es.on sont or pecteeeneiast” ese overnreet =sonaeeews ee Sanwenyiostue, Sees a ae =a Sree Sciaoas ee ro peraeeener Smee, Soecanicerer fice Seiten | Selaamerecrans paoeatoerteaer EStenmestone romeo Bceetian Rete senecan ang cna = cova ya Bala ei HOFCBak stares amet whi serena a srenstt he eran Win FC Alstares we prose on [Stee costes na eertd on te ‘ame porta utsanect NORE ie Sw ave tobe maton IneroreernorSancontetapore ‘Te shares wathovebeenouctaseain before Janay 2018 be rested as ‘ingen capa sess eh stares favebeennetormore tan 12menhs ‘Teton em capa gan sat tenes atthe of 10% ps aoacane sr Garseonces Te cost caitan st ‘heestares il etnies hea ‘entre ae off mare le 0031 Janay 2018, an ul valet Corsldraton or salt reso HOF Sarereceeai lever vor, tepeod ‘ling sol bcotestromthe ste ocaustion shares a HOF Acre ‘ravine temo sn shite tx tte: esaeotsharesshahoe tobe ‘hy reparte werngencome as rer Tels te OFC ‘Bankshares tne be ened ear Amit Maheshwari Our panel of experts will answer ‘questions related to any aspect of personal finance. If you have a query, mail it to us right away. QUESTION OF THE WEEK | am 59 years ol and wil retire in March 2025, ‘After my retirement, | wl havea corpus of about 21.4 crore, of which 65% wil be from SIP Jvestments. From April 2025 onwards, want ‘to withdraw 255,000 per month via SW and increas it by 6% every year forthe next 23 years, il turn 83.18 my corpus enough or the an? not, what shoud I change? Your orusot err shoud camry st fr 23 ‘earseven Younes entre ndet vcs You weulé avesbsanrofsbout 30st tr carole 83 yar oveveryoushoulmantaint a eat exposure ‘Stl oiseyou ane you sucess muchos ‘arp Mover the reurnfom ct tds stared er ‘eur ta saber proneto mires ates ae Pies ets hn ae anes Fr heed Income poner epee abhi elas cunt toreat te pet earn: crersesfor he rst {ear Youcan carla thigh yi savings suns ‘ered vous sral narcebanis ‘tear anion ato your ost ere et nal throws forte est or Years wouebe ‘7am estes stances kh Youca sarthey- ‘ld Os sre fiance ansinastgprea manner to mare FOmstony foreach tye De Forex youasead he tao you Same ers eqaemes by caring 12FOst 2500, ch wie matty dates spread cess exc "caninvestne remaining Toei canerataointne senor aes Sav enone {Ses The meres anetspa artery, wien wileo- ‘ean atin eshon teal ay unbreseen ent net terest you gostretrenent toot {lath ineaty reread by soreaangeavaly ‘cress argecon dex lex an adage roed ‘nntepestoupissof tment Yscan os thee lars ll Plena St 3 Sensex ine Fundand cox foes BS eres norte large apnea Pci ia Pe Cap Fue nd aapeari len cap rund tet ete a at uty Mbarara lc Pace ety an ‘a Fund fr he aeressve hata Ty ote your SPstueh hie "yesavngsacounsto erate Tiers Rae om your euler ter eney ve Yearstorepenshyeur ae ‘ore porta ater fatorrainte ron wither owareaerer fer tesibsecpen Teer poe. SEB Saree Siac Secnentaonens | Teco + epee Sieemeeie Sacertnete peas Soc mecorcerer ect Scien mae mipeeerateamaet Seiten ert Eenansen mene Serauteelrsts essai ean Sitar ieaars shear seeacae Somers See emt an ied omer ter Scammer enema Sean merce ice ee isserase ond a ca ‘they wing my txt? ‘Te neeston CSS chara os er {hea in your care tact Tere aspect prover seascape Seestnthssecion thereto yu aba eat ena re wil ‘esdtoertne ene tet cone Cenectotacincer income amatter lites ase pena s alowed anes ‘ese resort one ot extor Seesinensunder gone ‘Shubham Agrawal ‘Askour experts / NM A ‘ SI A ET WEALTH TOP 50STOCKS ~ 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 on the composite rating to help ease your fortune hunt, rap Poretsimt 2 oe, 2 Stetasterty ating 3t eure Temooges 33 sae Ceres 8 ‘nea rams » Tere amscantale 42 ne ce ec se 9688s 2599 14097 6 oun 778 ner ome 60 ms nw 01s Proteinase 494822505840 11968 399 sse2 32 206 oat ass ost as @ Fasterowing stocks Top 3 stocs wit the igest Tevenue gout Oo over oe Previous year a —— | — a @ Best PEGs ‘Top 5 stocks with the least. ree earnings to growth ratio smart sss ETW FUNDS 100 [BEST FUNDS TO BUILD YOUR PORTFOLIO. ET Wealth collaborates with Value Research to identify the top-performing. funds across categories. Equity funds and equity-oriented hybrid funds are ranked on 3-year returns while debt-oriented hybrid and income funds are ranked on 1-year returns. eurancecar eure fury: yaw oneTEO russ a] LAGGARDS & LEADERS “ln ng ern ve of ers brea ‘arn eac ctnary ener (orth eng ta ‘etapa bes ato or Dota =o Equity: Large Ca syns 1:0 KE 22.04 “2 2152 ae! oe” ee eee Equity: Flexi cap syne 202 [EE 20.25 oo a 20 aa 238 ‘as ‘2203 at aun Equity: Mid cap yerven 767 A 24.1 en 3079 20 3049 287 Equity: Small cap >yarrewem 23.60 as Se =a, ‘2016 ‘738 1175 S624 ETWFUNDS 100 beers mies SEE ee Q=amee @enmom...w air 5 Renmrmymcmnsnanease, Soran FUND a oa Stee 3 Sane se Aa areas Sos. «= 83s fryer ate loans and cen LOANS & DEPOSITS ET WEALTH collaborates with ETIG to provide a comprehensive ready reckoner of loans and fixed-income instruments. Don't miss the information on investments for senior citizens and a simplified EMI calculator. <4» HOME LOAN RATES Top five bank FDs “TENURE 1 YEAR creoretay “nome With effect from October 2019, all banks have made the transition to Ts eee — Rae Indes Bank - 501055 8501055 NakGven a a 70 a8 Kotak Mahindra Bank - 870 935, 875 360 ‘Not Given Top five senior citizen bank FDs “Bandhan Bank - 5 1332 sas, 1332 Not Given a ranean =ns Ser pane ee eee ee ee er ‘ora on rine. ‘hana Ba aso 935 tao 88s t0so | asrevzm73 — az Your EMI for a loan of <1 lakh coe a0 ane 26 1207 soe 00 = ane A 2s 1 1073 os Poste desks RE A a To fv trsving bank Fs = eee Bron ae ST aaa = — = om ALTERNATIVE INVESTMENT RETURNS MONITOR The scope and attractiveness of alternative investments i increasing. Here's a weekly tracker of returns from such investments. ut don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly diferent Gold (995) (:) Silver (2) Platinum ($/troy ounce) WTI Crude ($/barrel) ‘Bikes ashivaen| [ Soaion me Beh = | Bittoos metitae swe Os7% vmx 0.87% wee sven 5.02% wean 13.37% wor PENNY STOCKS UPDATE Penny sacks a5 a recommended non-traditional investment? Not exact ET WEALTH . Teitively iow cost of Investment aiats sme investors to pemy stocks, we provide {Tweety snapshot of ths most oie and uncertain typeof sae ivesting —~

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