THE EXcoNoMIC Fe) [ I Find out if you “should invest in an instrument >that offers low eturns but gives assured income for life. e ate) rag rr ete VCD) " lien, Seta DP eg, FOR NRIsannuities secure your retirement?__ Find out if you should invest in an instrument that does not offer | high returns but gives assured 4ear nutty “Annuities area powerful Outliving the nestegg —whisrrsksherrsinestna mae They renee oe. 2c. sek ek ci ‘ind by providing aregular WER, SS SGST lie pena whenoter strana 32. 29, 20% ofincome have stop; Taxation is a pain point Onemsjor drab in annuities {htaxtretmet The ineomeom snanntystreteos ega ‘warns Rij Khosla. Managing Director. ‘Monthy Income Scheme gives7.%, while applicable tothe investor Thisisa bit Bonet, Dunsareoterng 75% onfaeddopeats {ae espa those woop ar How to get income for life these protacearenotcomparstr oan pal inthis cae, he nore em ‘goal istorarna regular incomettom retire themaximumtenureisfiveyears After spousewillget the incomeforlife However, paland the interest tears Just 3 intharauncteas abo eno ineathenany aeterteneeaiest beabekoestwolnesfrephi eau diesen ‘lownomatter how long youve Whether Thereturnsotteredby annutesalsopale thisasaproblem. Theyeontend that oigtanseshersketbaomston mansenvuchrereeimconennn “U2 Gnnuity isa trade- offbetween high returns with fluctuation and ea icone x relatively low returns ‘oeeputsatumpsumtooan sultant with certainty.” Trios options iteanbeanimmeditean seryitstmonth erteonibendeeeed savant period ftime, ye MURS Srogoscmtnacsivaes — MNflation erodes annuity value ‘Here's how 6% inflation impacts the rcs ener ‘of #1 lakh, Sekar rere es wens nas Sessa a epee a EEG se lakh 273,390 253,862 239,530 29,010 {arama aber ¥' we <% Praag Genie Cine Savings Scher, te 20 earsFind out which one of the following annuity options will be right for you and how much pension an investment of €10 lak wl ive per month A JN ores neesoenie | UG Exons er | 9 — ‘on returns from investment, Woe rsonPanugve | €7,5A4Q vermont PM veges pension or ted tem 0. 150r20yenrsandthentorite “Atleast 40-50%af'the Ristebathoopeans veers aay con vertvase [eas aioe se retirement corpusshouldbe extention toramy ever he sre ero the cate ities (rine “The ayers ear. itmerthepenson allocated to anmuties Sonali amataoratacuy nlaremnerars toprovidean assured steerer enires athe ‘ho need er forsee eas income to thebuyer.” Eusarngnsraeeat ye P7RDA Garman eek Mohanty i Alin eared et mon fa atest Penson wile | €Gy126 20 ears and then ie) Can annuities beat inflation? eam ‘Thectherchallengebetaereiesisthe Eo FERRER antnsonictinatn Uae i SE eae epee Ierionmamtsonss | steetemmsotreariloagh evi gree ae Sota tmaes Sputacereccnnn, satemegeeectre nw SRE RTT TRAN AT ain, hein NOL hon sn REE Eh ne a Smeg taretene | 84,910 2 cee aSyes |) Toemmameteereiecent, seatleycn tee Ce Scetiaieee seuluahedantae = eee never handled stich an unusital request and Some people don’t likesinnaities because a meticcermecicemies (error petites Sree os ig Resta hesholiputtiemeneyiansausvand sce ndnceyeubupan eau, cam Sette wove mumerereeernncers bateerreeres cae ae imi ae oenereeee Dalopaon wouldghsenimeougnyestd00 —Giegibedin money mater na nance sport tert ces frerythreemonthshesare Aferim his allysrvy.vensfonesselbe, ores coma Terconeins || Secular’ Sebrz init icsorrcrme’ | 26,439 Smee |) Lammas, ema encea, TETURN OF PRINCIPAL Howmuchtoputinanrites, “ear hitiomaandu ne, Sets Aten ones Sate panei reraonenate | gag roimmaminyin, — itatatitiesae® Ghtuiractearinyc™ dy Secret | GPU Leeeraivicemes Sevens Statue cat neon ne Peretecceere Sniaraipaeee hye ee with the compulsory annuitisation rule ‘thedeathsof the buyer and spouse, ‘pension plano incaseot PS) has iin brn Ra eRERRN — TISCNPnsO™ nent NPS) asretirement Should you opt for NPS 22 orretirementfunds? === Find out how the two compare in asset allocation, taxation, cost and liquidity. Poros nent enh tS ofthe NPS corpus ts ite {thene Section ©CCDUIB) nthe _bySanket Dhanorkar ‘oeneeuirnntsTheimesorcanevieh I the NPS, YOU see Tercera EZ shaveachokeottwo duringtheinitaltveyeariockingeria. CaN SWitch fund. nic Thebes partstathis Secioeahe ERA managers oncea year. Strainer Soma Eetimue "="! Retirement funds don't allow this, but you can pick multiple funds, eNPSctaresatvundmenngmen ‘expense flv, aking tails ThaNPStollomsmnasetalostion tsevannts Une sctivetotn san catlgsinte Insatierent fis ree sone Heath tondsandgoveramenttonds auto moreffexibility inascetallocation by cffer- maximumofthreetimesduringhiseatiee much costley, charg a recurring: ‘ixeliwanelmiccinagieantoratl- tetonsrsireechcoetcioe Thole tha ‘Winner:NPS ‘Threl a weer aurea CHES) fungshsersbulltinssetalloaton forma ates ran Tampruintothesbseribr Onretiement, _smtehingsmons mie nd ican ai onetonds Winner NPS cape deernice, hacomnmeees Sn Onythecower ree ns J TH Saiquy. ty pacts ‘erier Investors ave cholettoaeHow much return has your property earned? BankBazaar studied the House Price Index data from the RBI to calculate the returns. ‘by Anulekha Ray Returns from !oant bracket. mannan ot Sidecar Gaba ae inereataneben eaten severe noe ee ofr Inlavonareretveinmany cessive BankBarar andevlpersthat BakBznarspoketo "eerste peiceledex itcaneltahighes! increase beget Leto Qaipeonacion Adaeringprgeetspreedinthee-rare ultenancecests aaseandloaninierad highergrowttthanbigeieeJustasthe Baling may id pose rat ls PRODUCT LAUNCHES = MUTUAL FUNDS Incr lseweteatoht nes 100. The 0 wie penta 3017 aot ‘beat Trdg rr ne mn isrs000, ors mata rng inc ‘osc tsberomaihe No change in small savings rates ‘savings schemes were n suit uanst Imre seme ane aeees saineovome December ses ee eats eee res One The nteearemaiedista ‘eerste “eines aah tee ante ‘etnies Soper Stor tisnithsonr toe urethane or FPP Suuaigesanrian Yanni , Then bencressn ey rsteiceey Dt “Thetmterestratesonsmsalsavings Ihave een iereesingthe interest rates nid coon Dest hain Interest ates manysmallsvings Shana cGopnath aman Te intrent seco dierent her Shouldbe25:no pshigher ante ‘ielastthegorernmentbonds et sSatusquooatey ates Hefty fines for non-disclosure ‘os unedited ana ablyumm guest Investing requires work Long-term investing is going out of favour because investors don’t have the time or patience to know more about the business, says Dhirendra Kumar. F i MONEY MYSTERIES Inrecant tines. on¢ Invesomensistat they simply de not want to dotne work required to understand abusiness. eu eaysor wets. enough onavea view fonthestook ric. 2nd ‘mereisnneed to know anything about he ones day tbe regulatarextendethe deo Dad iopre smi ‘Snstaminoronnse A “Soarition ||)financial Making life and career choices Avoid generic advice and prioritise as per your situation, but know the trade-offs, says Uma Shashikant.financial ) Annie PAPER WORK istering nomination fora demat account ‘ges cont ers rt: ister nares blr 31 econ this mance may ead ores Eligibility and Nominee selection mary acount erate cea 2c (unt Jan haescan ako noma However nominate rt porn ‘nna aera ac (Gis) omnes eines an bent Wis, cai omy ‘Should you er oni loan before retiring? ‘Mohit works with aleading nereavetmoconsiderationsyen oun nhns any rik tolneme in efuce publicsectorbank and isdue siosnisotstanding Tete willredacethestikytorepay Tear hat Nomination process beobtanedramtte OP fepastory outcast Irbasedonfinancalcgeand ction edn nan toretire infive years. Hehas ‘esconadterdonaleoor alo ana peter top ar ‘tworesidential properties, one ofwhichismortgaged with mncancanahighrraurntianthecttinkadiaingtehasctoepy ia, Salman a dena cant hisbanksincehe tookahome tien risstadumaolsitgor iy sitbongretresemnnlsten ang _Tunbfomatn gang the ler ate ort a age Th Joan. Hegetsaconcessional — ryneyinatsedeposthenan eianis rein inteftare cmlyecandhas terore, Setmndinecscanetancent Shemeneretecemcuranrae”” Seam eta notprepaldiheloan. When" Setatieenaseawgne anrmemarraericane =” “Neeser pensintenalincomeant,,ficmeriahenhrtraaceye ehincsenwatomtate™ BL) Onneroninatn a ‘canbe deplayed elsewhere toearn some ‘calculation by comparing thereturn on Nomination can also be himself, Heisnotsureifhe __ sonalloanroicesthe shoutdrepay tholoanbefore naam MMA ececemccntcenate Shelia vito oe allow heloantocontinuetill eEcceisanaretarinaneavame’ tonthtaerstenoconers heis65, How should hedecide? Tinwsnetretytotakscnioan Hacings this SEGRITE AY end =... al Bi Data Protection Act is Here! g jonus issue . 2.2.4 5 Sher | bosses. | acres | theese | Somes Srey [8280 | Soure” | imeetmr | Swett mento | Fever ree Isyour business ready? >, manage subst ) Ron reaset Sreananer | deiseatyi.| osnorestaxation ‘by Riju Mehta ourteency statue Bata, cle tne dns ean nome ane areas sot tale nao WS, “Secon athe hear to et err when name acs. ‘es naa A pert fovea nae for Nis exert torre some speaal cases sys ‘Shuthom erat Seon Ton soeeratie Which income is taxable for NRIs? Ay eae tat res oars. or sere a8 arse nna andar ce that erecved or dened tobe ‘ected nin lb tne for Ns As fr he me cure ‘ase da, om abuses ancoled em oa rfesion Setup mira wilt betes Sine toa come Yor Ns welincce ay sary rcv or sry forsaniee rove nln ‘moma rom reset ro. riya are orrecnt fry cota eins resting from erste rey tases in ‘+ Imope rom esas he Fac esos er terest on an soins acount na. «+ Inereston neo feescent (nar econ Howeve thereto KE an rs Seneca ana FOR ts fen currency nonresient ents wilt ee Whois anon-resident indian (NRI)? Anon teeta is29 ‘nav na ena eset ola for txpurpases Unde Secin Bot he (ome aac 1961 youre aan reset Inthe acl ya ot seamen ye) eu ort satybe these conan ‘ring reius ye or 1 yevare nina for 60 ays or more Inthe reius yar aa 365 cay moe for years medial preceding te reins ye Fora pesanet dan arg 0) eho How are the NRIs taxed? Here's everything you wanted to know about taxation that NRIs are subjected to in India. ists nda rite ver or an nian ‘zen eaves the Couey ny Drewus yet ae member oe Emolomes, 60 ays sastsed with ites ‘As ar he Fiance Act 202, te eros of 0 toys susie i 120 ys, Ineo, er hon ons rom rs Sours, exceeds 5 ath nthe vous Year Ag acon 9 anew Seton SUA) Inte Fane act 2020 on nan cieen uth atta came of mere thane at later tak nae am ree sees Shab deat be resident he 0 | Which ITR forms are they required to fill? He Woes et have ony inane romaine: ad tes, hecanuse in 2 he oes, el veto use TR Do NRis need to pay jadvance tax? i your tx bit 520 ‘excends 1000 narnia y 400 ‘ul nave pay avast yeu lt dos tre bleed ser ‘Seeone 2348 24 scant or eo eine te ne vexine nit owe! oe ‘ae eder Stan SSB of ho Ihre tae Act Ur ne me, they cnaval of the foloning rember 2 Sectan g0Cup te 5 ahh (crn ton fee fer icoosces, ls 15a bibl payment none oa. 1 Section 800 Gremum on redial neues Seton a0 eres on feucaten an, + Section g06aipble donations. Secon sori erst on Savings tank scour. However NR ot alowed any Investment nthe Ser Caen Suigs creme corse of est cs vee Pas Oe Dealt scheme on the PP The following exemptions are hotallowed fo NRIs 1 Sectin BOC estes in Fal care Eouty Sve sewn) 1 Section 8000 teaucton to teil esent ot Seed feeraan as cetresn the ‘scien 4 Sector 80008 auction Siterenty aie pens cari by a preseibes ‘panate, Secon 807780200 ree incre on bank srs cout terseners 1 Section sO eat tr taxpayers wo are stern roman. + Seen 78 rebate up Sah (creme and 7a ew reeme “The setngff of strtterm cata eis f equity shares nd rut fords are re set xenon its ao not aval ‘on says sud Kaus CEU Crowne, Taper if tax has been ‘has to be established and DTAA (Doubie seeped saunter haveto pay itin india? srs que wax rea he ‘Anns een nome'is ery Sys tsht“Only arene nso retiacateinindiaHomeveinsome ferns foregn income tax 2a cn st (Gees here aperoneesentin pf taxhar een po aoa ree ‘woo mre coumies txreidexy Agrawalcareer How to om navigate you first job WS Te Tee Cid ys ITSAMUST Know how to assess yourself and acquire skills crucial to getting RO atc Cet “ssesnnent eerie to get tr tock eed pat nPirst ist nt yoararademse {hr domain of problem solving. commun ietenttssinntesor inert Lenk ‘Mthecoaresyoustiid arate 70a Festuresor coding. youeurest det Ive theenpernce toe hed int Instead, what sone toshow an em Incoshipwithpoone Cheese itrashbs ‘pipersdel stat thecoes athe trate {rete pliers oncolient. oeet Take response Th employers that tkestimeantffortevonecer Ionkst resumes otfendeaneaiers Gat “Trestntersiws epee exam oF Finally hom il oni to spl _andbringspportanibes you oor.Fall in overall savings z rate is cause for concern I a) mau wv Higher inflation dragged financial savings in 2022-23 an Consumer | °~ TEIN fy” inflation cooled after RBI stepped in, but it remains. high How the household liabilities surged Fnac abies to Frac ss () Households major contributors ee to domestic savings iS roses Prac csr Menme 7I6 663 653 607 ili 47 48 46 a8 25 38 4 3 Basfinancial (0) anining with the Joneses While social acceptance is important, your financial stability will ultimately be more crucial for your own sanity and self-worth, says Riju Mehta elemay havebenriaht ‘ven toonsier he snaneat cavers ofsuchan pore {ater fly rte? Should you ‘ould yp some distance anepractse Tectistoonsier tha tami ti lings ting naw consins. ans ‘ranclesare ay wpinthe sock ett Imaaesnconecategor. Here soca Ineensntration henna se ‘orfictionsyouorsanise, othe pts you Sonszey funtion. thee wi nt fieotyaueineal sus anther hema thinkotherwse {ingrather than spendingtearpear rich, ofteyinstotinsanduparading soar $iiluetoimpeoveyourearlngretber ‘andepeing your existing rsouresto rink pose thinketerof st Remain expres site faraly oes, nk blll refs oreugjesttnoethat nto nosh yelialihoe, youl ‘ay sa dstrteltcause yea. ‘ear appropiate aes eae ata ‘hesamerdles woul appr ocose ‘nore wraith os nteractony it out! yourfouncel nama eat ‘completes breaking enmtartandinenet Ingenceinawhe Oremus spb Asa married woman, do Thave the right to my father’s self-acquired property? -werssum ac ae a aa a ee eae en ene ea ee Pe ETE ‘unmaney have toch frenandwanttoleaveoneproperty faentopetnerthem inaveprenareaa iin tener slayer ance named thecniarenasbeneicaresto Uheseprosetes is timportant tore iaert wil toavord any cps theatre? oO ‘navetworesdential proper: Inia ttspoemandinoryoreisora ‘tllandanuneestred wis aso ex feitha yd so beeasetncresses. ‘tinomesseseroexcete ander bes redacingtho hanes iteton, Mymotnerpassedamay ast yesrave oanlness My that weresettacquirecby him he assed away recently without wl ‘my maternatundesoreclalmng my mother isnolonger lve. 01 aveamplegaleighttomyeranata ‘hers propertiesand cant stake ttaiminacourtoti? tt tepropercesaresetfacglredand een nda {CdasTlegnboiesou wl eee the moter Soyoucanstakoalegleaimts eens fell pert eer pressure tenestomtinaningonesfiaaneal How shouldonedealwithife- | —status.Rowmbuz boner tat! you Stveinfianon when anes Sreunabieonmmsenousheorpusce ironddeceansextensed tam | _yorhinancial sols youre lysetmebencrmarcforwhatiscor- | education yeu won protaiy ne want ‘Slerednormalorbsi?Theyrase” | tossektheirhelportheybowlingto Cothesthey wearthetypeotpnone | tothelrirancialstandardsese than Kindathouretheyliven Asarevat, | —sboaitbtolvithinvosrmesnsand ‘othersin ne groupfeel bien your palseven if ouhavete ‘onthore no ort twant follow frovp-unetcolsbetnesoutontor | bite anes tantra Ihiskindotstuation®—] SIV A ‘ CO /s\ (2 meee ET WEALTH TOP 50 STOCKS iccumremerneesta 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, f 1 1 E Xetpsarupoletsin 1 UcHowsingFimae 2 Sewarsaranomeran 33 rds tesceees 7 pat 6 6 StamoueConiMits 930 ‘stk Leland non ce sk 5 OFC Ean «ou oventcamer v6 0 Projets nn un no» Enoasyoficpas 2323 Medebertenent 2525 oe uD Fecal Bak a» trac caret 2 ero Netecora 2 36 siaiau nos Seeretonamacatene 36 36 sje ceramics 7 4 ots alvehowsingFin 33 38 akisenmicement a6 mies Maagement 45 our 6 48 surat enaicerg 750 ‘AkamLitortres 4949 x conan 50 45825 $550 mss 10845 4390 su mas 152370 79500 0500 11645 asa3s 237000 00560 132700 25105 sem 78.20 2010 3.5.0 mar na m9 os m6 east 2130 20s 5409 48 sao 02 nse ay7 an a0 131 6 @ rastegrowing stocks 075 0s) 182 020 12 mer fast 290 067 033128 n 666 Paces ae 2 327 192 oat 108 1s 347 rosea nea su 348 as 052020 x6 Previous yest as9 190 20702517 20 440 a 3169 309 056 020 133 3a — 1746 069 108 O18 127 162 25 412 SS fm 375 04 ame 147 05 21452 @ izastexpensive stocks 4620 502 044 068 087 002 430 Sarasa 2366 392 060 048 214 278 19478 prce-arings ratio 747 282 12 427 082-1457 AL tt] no 357 031 00 135 2% 12458 eos 19% 153 169 045 096 082 29431 _ som 18 720° 107 074 om e483 BestPEGS ee eB eremcntet “ oi | tare nist 42 27 107 08 012 7368 @ weome generators fas 34 os 082 108 090 19 332 Top 5 stocks with the highest in47 142356 100128 ase 10480 dividend yield (9 6128 908 057 0% 102 009 3 09 ex se yam 492, 1970s? 11-009 17a ee 5 mg 270 058 aaa 14-174 2195 @ zzstisicy = on stocks with the lowest ms 259 278 073 120 064 15 407 fn oe m2 102 07% 19 1 1m 430 eeeé6O S107 519 O47 057 103 161 28361 ‘srcomsoe qa ea tracLAGGARDS & LEADERS ETWFUNDS 100 22222 BEST FUNDS TO BUILD YOUR PORTFOLIO a Equity: Large cap syeeresm ET Wealth collaborates with Value Research to identity 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. en aoe _UTINtty Nest 50 index Fund 5 Roveco Buecno Eauty Fund smear a Equity: Flext cap serene nam men nes nen es ie ee 2S a eee a wm ae a a ss ae cars res as - aaiamniabaiaiel a 2 Equity: Mid cap syearuns EE ae ree) ae 3050 a — = nn —n 3723 eee SS ae 3 = ze ma a ue mm 350 ED fa ne 3538 aie Se aS ihaootsocamceaseszarameas: 28575 Equity: Small cap sien sees Soon ah Be wan een ee Se am a ee a “sn a — oa seen eee soon ae SS cro nee seas =e Ge SE Re A, 23M Hybrid Aggressive ene on et We ee et ome m3) 17 1 UMNO, rT 20.08 ar cai Sn a . ‘08 iene a ‘6 Tan Sve Fo yeas? SA? hk a6 wo8 ee aE a meee a em See es meee a 930 asmart ss ETW FUNDS 100 ea ot ee Q eesss_ yin de aks ak ase ‘Top 5 equity schemes based im eum ee ak (on 10-year SIP returns evi: ou savines va a8 te Sette Gansnatconsa g beam $ Sannescotas @ wosmirs 5 MIP schemes based on 1 SWP returns Sener cheered g & Beat nsuconeruiverashae Horcmncoer Smcomenve ener earn ren panara sun sega sf Se : a Same ———— ee SE @ cats ioe preteen ee ie ies er ue Geese. — Gore ete to fie Resmcoyeaaness., Sewtayecmrrn Ti Ovum Rtas oa rae ern i | i 1 sebebevenear ‘august 2023,thelowestampone Thy ys Fai cane ea ted eres csc ete ‘equity dversitedfunes The sien Unit Seas bale. flat as sveagerovratoarieeauch tga Niu" tees) Snag ta reat neti iy 9 Widswesentines Seieraca ee mernentennee = ‘gna ntieto sisloans and ¢.@posits 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. Top five bank FDs ‘com 32 am vara 1S kan conn yo ae Top five senior ci cana te ‘con er Top five tax-saving bank FD: <4» HOME LOAN RATES With effect from October 2029, all banks have made the transition to ‘external benchmarks for pricing new home loans. Mast banks have Paes orc Bane 340 85030. NGkan Indi | 520 350 $50 850 stsimezaea Pons ation Bak 925 foro 850 ——t0s0 9 F02029 Inds an | ass | 8503s Netcen oe Bok | sno 1075 | 865 as | area sarter aan | sce 36570865 tnyams Ueno na 0 sos 87 sas0 | staue00 ota Mind ank | 935 $n 860 Noten Ind oversee Sak 235 355 S955 re2023 eon | $30 ow 85 s040 | sSuarz023 Canara ane 325 nz | 890 as iaawya0n Pon Sinan (ase 595 89s 595 oreo peKsane S10 350510950 soNay2023 Bk Sr | sas 050525 tas | 14reo2029 Tana an iam 34s t332 Noten rane vsrbonk a) Bo | 3 na | ire rao 300 sao 100s nan ‘rc Bak i) eco | 3851050 asrea0n eran 335 3955759983020 Your EMI for a loan of 71 lakh 1900 168 o Es 707 aq 2028 sana 96 oe m™ CD Cum 1257 sou 0 = q@p [asm 13m 1075 8 7 sansa on eres ontmarket (!2)ci) The scope and atractivenes of alternative investments is increasing. Here's a weekly tracker of returns from such investments. But don't compare these wit returns frm traditional investments since the proportion and purpose of alternative investments is vastly efferent Gold (995) (2) Silver (2) Platinum ($/troy ounce) WTI Crude ($/barrel) ‘itera asstrrios| [ Setbtthons anstefaan | [ Sesteraozs aeseoraans| [_seserraoa arsemrann| g Ss amr Cael CHANGE ee 1.82% wen 214% wwe 2.61% rwex 3.59% ven 1716% is 29.18% tan 3.63% tan 14.04% PENNY STOCKS UPDATE —~ = Penny stacks as a recommended non-traditlanal investment? Not exacty, ET WEALTH helther ha the expertce nar does it recommend investing in such stocks. But since the = relatively ‘iow cost of investment attracts some investors to penny stocks, we provide 8 weekly snapshat of ths most volatile and uncertain type of stock investing, = Toppricegainers Top volume gainers cone Fo sor zroo [azaw)| 053 20823 arises ind 744-00 1006066 agama] 203 Saotregness 023, 9ae |atuan | 552 120720 6271 SewmotShgorg.— 272-490 114012885 | Asmat) 465 vicrositos 7831652 [team | 02319628 505 eh 3051774457 | agama] 17636 feranenarove 583 14s |10036 | 140 5706 7344 —Salergpners——623.-—Sa4_ 11668 582 | tana] 4271 seorPracins 358 266s | anam|| 082 403751580 Prsureserive 885436 71253978 | aaasse| 13133 one nda 053 1522 | sao | 125 3656 3725 orwrsoattycben. 05437038016 | xargs] 882 Crassonvars 585777 [ease | 23714806 obs Fatreutse Sad 2208 3548 ost | rans] oss Urovorntavaton 7172535 | eas | ao e513 1883 salhoe 135 1438 5057 ea | eagso] 35306 Guemeaumne ta -263 [isan | 72770 34083 140119 Yamane 22-9 i938 340 | srema| 2131 ronan ais 535 [ sage) ous iss 2585 pteeoumncas 627028782155 | amas] 2426 Top price losers Top volume losers — ‘evan sons e316 (ange) 20553307 26023 naunevorerrane 383 339 zoe 6s [san] aa? rane ost 727 Jama | a2 ssao1 1429 Go treneen 116-085-645 7000 _| use | 0202 artes ani 523 [anes] iis 289571729 vinn ovens 303 ise 065 a6 [laaal| reas vonasirace 212619 | ag39 | 340 s72a0 7101 Weviemiont 155625312105 | pure | 585 Courenosvenueda 433 310 [aga | 568-4783 3863 Metvuieamte 470505 tes [reat | tose Swecrsveomainga 088 «ae | tayo | 6197 3110) 3428 Gusecvtes 1400-143 964_| ama | 2650 Acta 128725 fanssi| 476 sae weromasties 3510-410 asa fan] 3308 Vien rearcnt 077 4¢ | -rnao | 29511 6882 4581s 25328-1155 5c0_| arse | 1oaze NeLasconarranal 054526 [agai] 7782 £168 S780 Pastas 55458 -3e8 238 | nan] 5688 foreraemocens 958-205 (steam) 163-731 16819 Sync formutons as 059-2758 aah) 79430Strong show after reshuffle ET Wealth collaborates with Value Research to analyse top mutual funds. We examine the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. HOW THE FUND HAS PERFORMED Point-to-point returns (%) @ The fond has comfortably beaten the Index over the past and 3 years. Rolling returns (%) The fund's long-term track record Indicates © modest outdertormence across tine trames. WHERE THE FUND INVESTS Portfolio asset allocation 6 {@ The fund current leans towards mid mene ‘aps and smal caps. sonst asco, Perak Pon renee eae a — four oy re o Reyes mstone Ries “Top 5 stocks in portfobia (8) Eco soasmimnon si ED ese The und avy estes or OIE Sten at tan sme 0 Recent portfolio changes Co 100 poasenimor ‘Aurobindo Pharm, Cacborundum Universal fi Coterae, FSN E-Commerce venives, Clarat runs Narmada Valley Fertihers& chemias 1G Securities Indroprastho Gas, noe Wind Management. Quess Cor, 5.5 Enterores Sundaram - Clayton Bea, Suslon Ener, Syngene international, Tata Stel Tech 9 Financia Services ire KSB sun TV 1 for edemoton win 363 Ga Network, Tata Consultancy Services, 2omato. How risky is it? rend Cater) idee / suacrcoevtien 15251405 serene EM asa FUND momen EI 2550 222 MANAGER TiCOOn >vtaRPQrONAnCt SANKARANNAREN/ The fun'sriscretum profie sin fne with RAND SHARMA Wetegory averone Se ceed Perot ero ere MNPNB Housing: Strong performer Strong housing demand, asset quality, focus on affordability segment and adequate capital to drive growth. 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Naveen Kukreja 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 an profesional amy late 0s. have 2 nine-year-old son whois milly autistic. Apart {rom fined assets and mutual funds, what ‘other instruments can help secure his financial independence inthe future? Are there any ‘government-backed schemes or investment lan for him? Also, which health insurance ‘ill cover his treatment and therapy? raisingachid with special neds equres batho ‘aral anc professiona assistance. 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Askour expertsmutual ‘ funn ids ua ate All three short-term DOCTOR goals easilyreachable = ==: know Seena Menon is saving for three short-term goals. Here's what the doctor has advised her: whether they have PORTFOLIO e; e e; 2. invested in CHECK-UP: WARRACE:\Ancstis FoneNHOUDA: —HOUSEDQWNAYMENT: —amMencows, (nV PRESENT COST: <7 Tah 20ments Byes oTeNOneD ret 4 Hesbeenimestren RUTURECosT,-PRESENTCOST FSi PRESENTCOST 4M nm CURRENTNEED:NA funds and if their Eee =78 lk FUTURECOSTT3.Alan FUTURECOSTX20.6ian —FUTURECOSTNA’ fund portfolio is on for oasthvee yrs. CoHESISISEHeSEERERIIT | g5q9 Nath of the fund fe pnisareecodt | eee vo portfolio, examines the omens @ Freenost: 2ove00 0 erate mi © schemes and their attvesottem | sien remap sera 0 THESshalhstenetint seo Suitability with regard to ethan Thawreratestosenncen Feeley rere saad 110816 5,500 sop Shastra ind required, recommends Sarnownstom @ aacenerattesutican aaas «ow Tltentndndimesverarvto g_ corrective measures. 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Tose wna tte schtoriak shold invest ini doente. any peopl wantto getridorpapernerk an Readers’ response, online and in print, to ET Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. Sepinancoersrelevaatadve Onecan ‘omy thane the writer forte and irs ‘en Atthnenne tins oe shin ‘nen some ol snanca records Uovequrot tfspocesa pecan, ove have benploning claro the even naga RETENTION OF TALENT KEY CHALLENGE FOR EMPLOYERS Rising costs an competition fr talent affect companies’ benefits strategy, reveals a recent TW survey, Competition for talent is key issue for employers hat ay ay ba rw arc er oa wos e of ® fim Sqm hane eh Financing is focus area - for benefits strategy. (is be Orme iy pes folie ees Shhevccmd —Employee well-being importance. emeneese'e: considered important aT ca 0 at be cesses fm wc A gn Tae Biome Snore jeyees Wellbeing Benchmarking ana "extlity recreate as tt OL Bara Retention of talent big challenge oom 77% tances ara tances CBee what rer ene |e a 308 2 Komegoes aaa Seto wa pee vival fyareetecnenes Iwasoe ard ery __ Mismatch in employer-employee wants Sa ea -_ ill i i i et MI ‘Shersty Suepert Fongements Digital platforms to benefit employees (Does eur ovate se he aout eras envoyee ‘erence eres a ano SOM te rest 90 VES? comma coco Sak resrrecetunarte mom's BR sx wemusneres— OID le Eeenoimwecee ce