mila Puls Ns eo , P7 TNACelOR OMT Niele home loan rates to’ fall, it may be better one mele | before property, ye eee gm ae aes SPOOKED aA ens STOCKS Ta]SHOULD YOU BUY _ AHOUSE NOW? Seman RC aCe better to pick a house before property prices surge. Home sales hit decadal high in 2023 Housing salesin the top 8 ces reacnd anther miestane de to strong demand 29 766 SB 233 ass{tsouarea eneositerstillunsure prenteabirditmme Soe by itaway bee housepriees Sar egonteomfor? Orso you Is it till a buyer's market? brainer. Itwasa baver‘smarket, with Dae prlesstagnatingor ling freebies Ted ome arches ‘orien she denducveloromepurchass favourtnayers.epearstoesti SuareYards Thenagedemandtor Iasingassentries soaring cross vert, Tetnterest ning eg somednearoundcaey 21 Nate n its nm eee. Osertheparttvoyears opety Diesacrossthetpethtesies a Inve surgi aroun 0 corangtoareport Coda Caies Punobimpedartagaerng}#™ 1% Inne change, rouring demand Residents nae uy ‘esas eaten Saris, Manteo Prestauty. ‘Presse expec ocontinae {years Anat Motilal Osea ohservenarepsrt"Webeleethat Fealestaregrthesele Accords. trebetevetaterowtmareatmin Bren demendamapriemg salen Ispolonaeasurprisingevent bua dita suse memes grow and tofurterenbancehome owners) sepa nse Intocome srothandicy in {ersten dldwealenaffordsbity srosesnos 13 gi LEU Core oe Perigo 16 peoley 19 PT snes Preece bees vet erent nace rs vena oe 3 High absorption of new units has reduced inventory surplus rr a a Fewer unsold units ive Gevlopers more contol over pricing. erane23m ise 2022 oxt0ee7022 “after a long period of 7-8 years, the dynamics of the residential real estate have changed, favouring demand. Residential housing is no longer a buyer's market.” Innbtor 2024, woareliayoseearonas nce leelexpeted "ratreduction, wich could provide smother ‘Mhipiotiarestmal sales market JLL Inbencmarkendingrates this atora lity ean mgeoe te oar tem eapectlly Jurir2022 Arana 202 toate nae Mumbai has highest unsold inventory Sar of rs nvetony ae ada Yagnik, CBO. Callers tn ‘eaninghouscholdsspend.21% oftheir Shi hresad butisbeter tania Indes, Overall lordly sere ver i ary evopttan fon 3 im as Discounts, freebies dry up ‘alone, wth devlopersoferns Deediscautsal reins andaIngsuhiseouresand recs, an Strorkliayackapsarenetaly ‘Sent fmmarketingcampalens ‘Thedevlperstodayare try Henn techies anes, ns Puri Chairman, ANAROCK Group. reblesaneceaaenrtofersthat ‘nthe pnemichave wane. Those ‘exblopegmontpans Withnen sippy antine sts Aramis, coupe with singin torintere pets eet om trandoedoelpars relat rerum, ivingthen heatatap esscahabre Howere fsuplay frgtintthepiceonyat theme sn isehiantnaie eionmsent glteadiernt approach, When Inara eer selina, ‘won afew unisorpecttetors Tostrengthea your hrgationes Lon compares progetetthe ‘Seieian cs repr Opt for resale or under- ednstruction hom Therese anderen ‘Seiya anaracnay ‘conyers anton ‘eset svishrae Seagate nate Jers ec Stonetalon a pert wkpereetiy te iui coneoeing teppei cover Siar “The developers today are trying to keep the prices growing at a moderate rate due to the rise in input costs. Hence, freebies and Offers, incentivising purchases are minimal in the current market.” “Given the current demand dynamics and rising investor interest, projects, especially from branded developers, are being sold at a premium, giving them the advantage.” ‘tng pre aa pricing ep. Good deals Fecettimes eto apestpncemie peter ‘ropectesin pret with oodarentos SEupkep arene tending pres eos toner poets, partial indie aoflly evalattopropertysapeand ‘rerallonndtion gs thve fore ea? Infection vera Mopingoshoneinan siete Instances ofeiays ncanstructon and rodney of pnsesionsrersempar parteuany tend red Acootpers “A ferespcalv ondevleertackrecord ‘hesameresio,asinmany reins pripary Prior ave vera ecnary pees, Uso snout dea appen"sst emir." Letaldue igen scribe ‘ShorsRathod.“Rigrousterieatbn ct eet permiisionane caplet Costlier homes are selling more... Need for bigger homes and rice rise As soen tet ses jm. i - a ...So home loans are also getting bigger Rising incames are sporting Digger nome ans stare ottomelan bye ie asian Home affordabill improved in most has big cities Compared tothe pre panderic evel in 2019, affordability has Surge. antes tensparency whem risks hea Buy now or wait? Iesrotmoesarivabsdtineto irae interpersonal ue "Talcott tobe suyersmanatestbpriceaaretton anremsined modestaterslangperiag of ‘ann tva god neto expe thecppeti- nga ‘Seiatneagats alsin Ra Shake ‘Watingtorbomelean eof neh Tenderer tetra, Watingcone ‘only esis houseprass eet sings However he sun cvents apa: Your murchasedecsin shot eben et fends “Uist ha decom en tobuyapreperehingsonorssfnaneat Insbeond yournento ase ‘Tinrgerionan Banfyouean aod Ektloation bow 0% aren inca “earingetorablty measures ie raketeoeronment" sets Rath,cover sary Is it time to rent or buy? Consider your financial situation, lifestage, market condition and opportunity cost while taking a decision. eee en cccpocone tcneteeowee Factors to consider before G== coais Tekno" venting or buying Tobuyahse herlinotontstrainsear — beeae the potenti ee npeer efile vingbroerericalgeatc tenting, Inratrassintneconingsece now (eM ‘makessenseifonelackstherequiredfunds evr, youdohavefnds don waitill nest Prarie lerdownpasment andar ontheresineSeartn bs hose besser sop eccrine {hoireareersorthoseinlowerpevingjobs” — ssstendstay permanent inararicaa esau ie ulus, aymn a eedentopchame as Thereare thes trtns tacos Opportunity cost aD ‘Rentingoffersstheflexitltytoupstae _brekerege, property tax and malntenanee Perry ordbwnsiaitoutthehightrancconspdinreing sts therentle that inease Corin iiyeadohaveadeqstominds, bo Tinvetirinenuy which gies, Sees Rents have risen in Q1 2024... {for other goals SenpaluSareourRoad) 7700038000 2hoeD-a0000 Pb taescrtiy yoerbas tendpur 2590030000 2600032000 5k NR Se 150 Nl) zm0025000 2100027000 7% cert ‘790077900 4700079000 2% Se lita art) 4s0072000 1500022000 Rice (hema Perbun 1700024000 1700024000 3K BergaurySorapurroad) 7500 65D 15K Nvderatsd ontpur) 65007300 aK as eR Sec 150, Nis) 7o00 7600 cea secre 2g 24500 7% eat arta) S25 soos (eral Pern) 7201380Taking a home loan? These moves can save you money Home loan rates will not come down as the RBI has kept policy rates unchanged. If you are planning to buy a house with a loan, Yasmin Hussain suggests some ways to reduce the cost of borrowing. eee ind Pees Enric whe CUO short as possible “WELONCER THE fre 00, Theraper te rere bre. The ‘Eeneunaing Werks gaat he ber ‘Most HoME LOANS ae fasting ate eans The Rt alos banks ta totem ary ofthe ‘eros enemors The osteonnan Isthe at rep te when hs remained Urenanged 65% sce Jue 7023 The Kepdar fastest period wich can be quarry ayer or array, id ok theeradcty fhe reset betce You take ‘loan Ot er ean hat has ues iraremisn fhe canges inte externa Dente, Foner en nfs he terest ut For'rtoen yo take 50 eh leant 9 for 10 years you wliy 2 {otal inert of 2a on he on Eee true t 15 years a the rere ong setup toe oe (9n970./ lan tenes OU ‘Besa ath The barower wil pay ist 2.4 an he st yee Zo yeor fon bt are chino ‘nsw pin paying the rteres. The pindpleustarang wll cme down bent 283000, Even swe ase thot the tres ate ni etrerain Sta a forte fl ee ot he ian ernest Experts suggest tht baramers oud try toe helen enue sre 3s poste Ce gud (SU rs) Mee Ud CCU CE Pr icuc) agorremescapiss) Reducehomeloan tenure ITs uence, Sh Sores see omcomce omnes me ees See, peer. eee orevecrmereanste Eas Seaeiaoor on someon St ee fia rel GeerNiweemie ae eaiacenstnrontr tent Giwtrcaaseycroanty — REEMEWSS ayersamonn ume teumedamnanot ahs eis aveagetome an ch ee " cerigtemramrey nega eta ert ere ‘grestanlavecetc diay Macs ayasemome —ommeurmecreayamie a ted tela ree ys Weeever/yearteoawilendn enya “| oubtarargtean tothe lence i et coe Ate prevaine eo arene eee Stecuaiiccersi aie scm ee Se a ee ee ae oe coon mee ee eas ey ig prociamane Se ey re ach oo. # ed aun ivesmert gto ‘you prepay the i, q % {conan etc nA het ‘Dprepey ela ae = Siutincooran a.guest Hii Turning panic into profit Simplicity is the key to navigating stormy markets, says DI eapeety iced peallovery sharp Sropinthesitritsethers andra Kumar. FSA tektites MONEY | Sxiessisittocsoeannssevenexss MYSTERIES | ivstchevinstinginizerimty. — Nevibnewtubadinaisiananpand esa Brgongeshinstdograinandbeyingwhen _undesiowd eosin thine ‘Soho canyoxensure vou understand cthesarefeert.youeanpostionjonrael mens whilethopenckadinvestorswere_eeryhing?Theeasest wa steep en ‘ier wun ia "omer sitiawnedin Tinker Peers ownotatoneponthardiyanviestor——-Smpstyfitrtnvestingenoces tn palo pce arsecunating have manage Ceesbrvelsthinkingetbuvingopertans —stakvaswellasmittalnds thera evdenthatbenesa presenters set tneasts ren Ti veryenetboughont/othowmneh ey inwetents tha oreeey to understond nssertive minimal, verison cost Wwouldloeandhowinngthecaragewaiit” anche ivestent cae coo "When things et ou thseonave ‘eran set Stine aroma rer ey stontngt nts der aaa iws-inaeierescnipwerenurian ewheecanlshy ater” Goat Wt sngra iste smaanae cone oie inwstrsnayieresiaioetinicirsomr ervicevebigrecteafeniuat impressed Nesandbeen conten obut Tsou snabeencanfient nhntutthgsmndthorours perhapeveen byturen arzonanoanplercy Perhaps camer ensimliy Embracing mpl ‘about Tso Tenatatybuyingmorestarer Ontwother | curmndernechnlotclwedascendl”yinsourinestmentstategy ene comes with simpy. tend epanicedinvesireprobayac— Ganedustobaloveitihelazetmarvelsdekeaivemovebuiaprontiveayrvaeh io tracing nity Inafensybekingin os Theditintionretoointlestoferheaterayprsoneo—bultingaresiotpori iy foci a ‘ecrll aston determines who wil tndertntendtheworecompityis__onclearcompretensbe vests ee Tarunbachincryhacneaaadycove’”— (aancxaisiodonlstznpwaadyegise eentstiveabt times Ofcomsacn turnsareatentheoneswhoconmovtanesd. fevtatbenefic, tessa Therea: seat bepeepnr Update Aadhaar for free before 14 June : LTid AV) ‘Megeatine for stn Stept:Saect adres eocument | Only proofotaddren: Wate! 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To counter the near-term shocks, invest in companies that have shown stability in the past. by Sameer Bhardwaj Movers and shakers of Nifty 100 last week ty or Gol Ore) KnaeAiniasi ce 1ST on VES Sects, 1287 1266 a 1210 1087 360 947 925 Volatility was high even before the resultsetcetera) ‘weekofanery oxtay 221 esas ec. Tonconcirns nih sauatins,geopalad tensoneandespedinerestsntcathave Fue he reese at "Themarhtrwurns reflected he poet tsetse valuta. Despite itng ‘nthe thebenhinare Ni ne Seeds returns teins ike the ‘is Compost (0) FTSE b0{UI),DAX (Germany CAC o¢Pranee IBEXS. SnuAEX Amora) geeratedrstarns| ‘opis apan SSECompent (Ching) and surge instocks traded! high vations Fate By May hisoumber aise otk ecuriesreport voted cancers ‘eardingstecksth exons hon PEs tos niggas nat many afte compe tosigineantaiseupioninthetutare, esters eaneomeestaestcks mite ‘elit 87 Wrote sich tok Syanatsing tow ith ower lose thes she outpertarmanceratios hess “omparedtettal rsh those ‘enero eeetstherequnes Sen sn esos FetommansitasoutperrimodthoNIy 0 Indexinewoou (1 Wess tesa prod ‘Theatres hepa earning May a2 Stoke Alseratomnthe atom 1pecenieandan ‘nalsedbynumerusanalysts curren, ‘THE VERTICALLY INTEGRATED tox conoany's revenue {rGEBIIDA surpasses Reuters Ren eimaes oy 238 and 66x respectively Inthe March 2024 quarter. “TepeTomance was suppried by vole pth nthe sesivand hats erympertast'saye Tillonsire vest Mark Mobis Emad ‘tventhefcthatindas Pret ‘aiscaleonselietion path rman. atm, stems tatthenothase ‘secon developmen vil yrosed ee eee es cect ae SST sans mayen yrs inti: LI ey eee ed ae ee ees Be eye eee sentence soneethanisteratlnéinremainoneot “Thebes inven com lor Fl ses Iniaornow, reine soles Amok {ohishestgronthonvrsingmatktede- — montsasnetoquy flomsasaporcentage ‘Gogo Fund Manager Carmiense {pitbiPtaiingtosetllmsorsty con. ich than bean averse “syrnatwilsnmeoeuson bios {Umutyofyowerisepoverfuenoughnar- 25% AMurvovertheincsioet indian ‘ThorecenrovrsalofBuy ini. sl_atthexpense ofcapexs mate Zalivetosipportheccononvandevenpoversmentbondsingstalindices Calsapaleyn epson anki Halptt sully intense, Themariets “Gobelins tavert —eaperdtvatractregnesptal unthsealden tomparary pheno Eapertaar apg te serene (semchchaleebuttoremaininvstedin inflows worthlabillonowertacpest onen-Tihigelisrealieetatiniats_wilbwabeto implement tpromir ae Inilaand props iperwseallestions thoeyear=saidHiteshdainef YES thefure They hwvoaleadysenthat__ stein themnniesto bun eter ‘pct pallicaluncertalaty dials Sctries Kisy Upadhyay Smallese Chihahasyeetensandwantedivesiy hepallestot pportingtissgenda abd Tetststgrowinglarsescanamy adh NanigrandFounderat idlPolin sees atom China Serv ofhessuho havigacensmen nium posse Snitsliebtoremsincointheores aninfiowatl.slakhereoverthenext_haveteentalrburnesinChina dont wl bedisturtngtormarkts ingen ‘Mefutare Thevaluatonpreiuniad — 58uoaths renwanttogobacktoChine Thats alspecly FsPRODUCT LAUNCHES ‘33 MUTUAL FUNDS Paras outro Fone 2 eens ofp ‘Sosedin theatre ‘Thenraisopet 2 ne Ure guan rarest eanty ‘urate ats ieee noose ea ‘nr whiny To ‘neath Soa ues ‘joeFund aeration Strssnens odie ne ‘nicotowan watere ses {ean0 Te nrOtsopentini3 Foes une hae entero neithe > {Selo ate The ota stat Fd sates theta eal pert uty tra rac etn Stctsofompsnes red teresa acadstons Sptsaton {haere crore ahs. Sheba ft nen taser Ist reerovonot ‘oretan onthe mete ‘ihn on ear arom open [Senta oar een bares ‘avonage Fon shy sone tennant me etna ca. ‘yn: so Mogren The ‘emu ivecnert 00 ‘ecemgticn frre tan LX ‘Meimesinen nnn eo: Te No rate cut by RBI means FD rates will remain high However, experts also believe that the interest rate cycle is close to turning, heres soodnemsterineesiors eptthereperateunchanand solbehighimeres. iron ined posts Ive remained unchangedastte RBIS ‘atanoethinw sin Apr ‘apertsatedsdn hetbertnesost ‘Commerce bbl in Asgurt ‘While immediate catay not sro One sys Att Nl, CEO & Colour et BASIC Home Lon Otte sy star edecntrom ao peoming ‘SrsShrinienr ian FRIES. C80, Votan, inthepolielesabead. However webslieve tunity fortbeMPCtoremainens waa ‘teh ede ntbter cart comesom MIND THE TAX Posetax yet ofa tes epost with 7% rest ‘withaplmsiboasingtrom beOetober ‘bowing seysUpasnasturdva Chit ‘White ntrestratecyeles ike reverse inafew month, tho posi rpms arslsoexeedtoen ith Danks ererigcanpetove testo atroct Ifyou ave rarpscas, hema bes suo ne tolook nat recalling highs, ‘oy enlupeeiangreing yourentize pei {sbettotaepyeurexporare within tel surance fs lakh pode thee tunetapesotaceuntindifret apa ose sere incest sbouldtakentososunt theta ot ‘elaterestseharyedonanaceraaesis ‘hbetunisarenbeteroption ea ho Eansaretaeoniyatthetimeatredny- fe fonds bare VMs or than, RBI raises limit for bulk FDs to <3 crore Up to #3 crore put in fixed deposits will be considered retail deposits. Banks generally offer lower rates on bulk deposits as compared to retail deposits. 7 erase froret orore Upto es erore pat infxeddnpost il consider Dass Thoehangewillagpi tosod {lsdcotmersaltanksand all ‘ssoeé shoe "Aspe he Ri eovernors statement, -ondeview othe nk pont ii, itispropsed revise the efnton bulk depstsa'Singlerupeteem apo oeeacrrvandataw fer SCile (etetocins RBS) and SPB Furter, Italo proposed deine thule denostut rtocalareadanksas sidabore! an aplebieineae ‘och, wl mht eoch epost onsieredaetll poi etades iimetnonconredabat ido “Asperthe Roster ection nine iret rates deposi Diva ntret te sabe feredonlvonbulk eps”financial (ann Start early, save regularly to achieve FIRE Akash Choudhary isa 23 year-old MBA gradu- ate fromanelite business school and has ust start ed hiscareeras.an invest ment banker. Heplansto retire when heis50 years old inorder to work for achildren’s NGO, while maintaining comfort ablelifestyle through his savings. Choudhary has seen many people takean early retirement without amassing sufficient sav ingsand wantstoavoid thissituation. How should heplanhisfinancesto meet this aggressive re. tirement goal and follow hispassion? SMART THINGS TO KNOW PRES plensing tala eocpinesndmart, Fecranyhrmafenpoynen,Snstoean ‘Chotharyshouldfirtetimatothecors nema ned histone simple mathematt Riders with insurance policies nett nestrmntrtr, stl is ‘vestneatrateneodstotenigher ante Inu silacaen toe fer retin ‘assets Since humancaptalcan lta gt trorsaliowinginoretieentt hector . ‘add wile purchas- coer Sig, oats fies hot PAPER WORK {SE RFC account for Teturning NRIs Foren ars Nt son ‘ts Oo feted isbv opening a Resin xen Co ven tng eis ining nara ingore onversin ears agin ds ees Who can open RFC account? Procedure to open RFC account atk ina ht fers nea ‘ours Compare features erst ‘pening form rome bor ‘nine iva and aki along {hy Sores Pa corpse 0 veri se sents ‘rena wi pen the EC art ‘ prowe das toe sto Fund transfer weve reg care eae roy mov am exh 20 ‘= Points to note ertfinancial Sani Why do we make poor investment decisions Investors tend to display flawed behavioural patterns that focus on outcomes instead of processes because simple and staid methods over the long term are considered boring, says Uma Shashikant. ‘Onewouthenassune hath rowed ‘rold male usbaterott Everyone would Ms Siete Rano her Investpentocsiomaking Why? 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Lombor Tata le ana HOFCEran cover, theente costo rzantrantantnclang eka costs fore ano: cven your med Fistor srt he appbestionorocess at eer {St Dadare al medial tats provide neces ‘rj desertion shon your ale pert. transla heath Tis hep he nse ess ‘our appeaton acral sre yoo Understand the asec 12 ‘lgnexpectaonseth he nse SE 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 ''m 67 and retired. have invest- ‘ments of 295 lakh in bank fixed ‘deposits and ¢5 lak in equity. 1also ‘own ahouse valued at 3.5 crore andhave no debt. My monthly ‘expenses are 40,000, while my pension s¢50,000. 'm considering relocating the Fs for higher returns. What are my options? Aso, ‘currently have a health insurance plan of 5 lakh. Would it be advisa- ‘let opt for asuper top-up health ‘Insurance plan? ssaning nln your cent mers Fvevpensesorecooowilinerest0 ‘4S000in bree yearsto mamtin your ex ising fest your person payouts not fring toinzeaseat as ate you wil Fiver raw doun tom your others Ings. These svigsnoeato row ata tertad atleast trait be purchasing wer with time Wrtnox uty seston, Risnotbossbeto generates indore turns, youarerightincorsierng rela Une FDs generat hier urs “he estay you can acteveth soll tostarsiesoret sn noynamicasset bloc mtua ura chenes forthe ‘ears fnllhelpachievean apo thlaneofenty ancetin your overs Invests. consdring conservative riskorale ynaricasst acon ues ‘xepooc for passive manage, where fundmanae decides alostionbetcen ult andeotcesencing on temariet Teves Hore tesehavea lover otity ‘omparestopurecalty mutt rcs SPs tnlensire atthe vot turner fice. 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The end result Of this is the listing of the top 50 stocks based on the composite rating to help ease your fortune hunt. carintimes aeapouam Fare i 5 Sate Petrone Coolio Prinses nora Cas Gat Lumens i Novaya data aay Prats nla apa Fane Petron iMG rman Fanci Sevens ewe co suet Prlinaees Tnspot operation ernie Tara Constancy Seeks sents 2k att Coen eterno Lc olristan & Bros Cynon sak Gare Tac Files ce 1570 28s 208 23 am 53 88 55 mmm 29 102 6 6 isn 25814 77 3600 a a9 eC ee) 15 sama 135 236 26810 42 773 Rn 2 mo 44 no 3mm 29 2517559 269 2828 az a7 % % my oR 3 v7 aa sia a7 a0) 9862023508 33 sam 94255 335 mam 7 78 4 sang 6395 a 4 2905 29 mas 4283 46 4mm us 2 7 am 6s 77 “9 2am 214125 0 @ wo ns a2 Ed 1aeen 205 226 ns 299 512 195 105 203 15 29 28 13 21 os os os a 33 03 23 06 as 36 26 07 oe 56 S40 0 8 oa ee 19% 2 0 is us os 10 o 8 os 5 os 2 is 8 17 os 6 @ Fast growing stocks “Top stock withthe hlghest revenue growth (3). — a oye Is Nomen Il a TIL @ beastexpensivestocks @ Best PEGS ‘Top 5 stocks with the least rice earings to growth ratio frond ase Income generators oe arnae dividend yield (%) ve e Most widely held ‘Tops stocks held by most ‘nurnber of mutual funds ge eessmart S25 LAGGARDS & LEADERS ‘oko ave ofa yetures aes ist of © ETWFUNDS100 ~~" ‘BEST FUNDS TO BUILD YOUR PORTFOLIO Equity: Large Cap s yer ET Wealth collaborates with Value Research to identify the top-performing na funds across categories. Equity funds and equity-oriented hybrid funds are 27) 2.27 ranked on 3-year returns while debt-oriented hybrid and income funds are rome occas 0 201 ranked on 1-year returns aoetaeee ee TTT ay 930 oe 247 ES 29 rouretancecar acest phes | ABSLNRY NQSOET SAE eam men aT 297 A 200 meee ee ‘1 2300 eS area es <7 on 7379 Soe EE See O70” ee eee eeee at acetate trae ee Equity: Mid cap sar reoms So — 2 26 —_— = ee Samana So Siow sy) I 2725 ee ie con —— os i Equity: Small cap rvrsrn See att a eso at a = Sal te ac ae aaatan Meena — a 2) 2500 crm Oe ol in a Hybrid: Aggressive sem SaaapaNSaNED a et 2405 SS Slee ae ‘oc 2038 Sea Sot nite anne asmart si ETW FUNDS 100 Flown @ Pidnotindyourfungnere? sien SEreomsarensc | sy 16.47% bat) T?) Lys} Top5SIPs ‘Top 5 equity schemes based ‘on 10-year SiP returns | i umessisae nee a camiccstins ‘Tl 2 fe E E @rosmrs ‘Top 5 Conservative Hybrid Schemes based on 3 year SWP Returns Santora conerevei an SShosuncuerceretn Reaeraan se ENe ut senna ea @ sinailcap:cashhoidnes ‘Seale Fe Satta Sat fet Site rua © debt: corporate Bondloans and @apas 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 revore yan with effec from October 2015 all banks have made the transition to Siren a external benchmarks fr pricing new home loans. Mast banks have saat Ne Dicked the RBI repo rate asthe external benchmark. ‘esto —— | REPO RATE: mom swe ‘yen an a) 43s | 1050 1050 23M=y2024 ters ys a tein asta. 24s fetcien ye am Bonk tana am | ts 8 fos steve 7s saan {Men ant naa sas | 3s tars 1075 agriz0z4 7 se teamntu 920 380 4035 aagez024 ‘i tonto as tou tao Srey Get 73 maw Ind oeien bn os 030 fos oaaons va rm! ant toca as io foto terenaors acts ian tank atin as i070 fas tame ent 9 coaane 320 1030 1020 tsuar2072 hor tok ye tam Poni si ane aus | 4351000 1000 t6reo20 — vs ta ‘erm a 1082 fos tnpri2024 ‘en te tan ota arn an 238 360 Ntcien Top five senior citizen bank FDs Fee ne a fox 19301030 agree sted Karur war fan 1000 1105900 S305 tapeoame wma vean one Tee Saka a0 sus 8094s sonpatamne ao See sertem icin 315 | 918 es 8s 36s trate So iam Sonne an alesse aan hace ys ike versa 4253509401005 Nat Gen a co um YOUr EMI for a loan of <1 lakh a com ap | aw ssi om m ma ‘orem ie | ae aa a = = vant sam 2076 sae soe 0 6 fect see am [aus sa22 1095 os 0 ee me ame son xaanie rs ann an SonF0n is Pans ek MaNSUATE MAME FOF SESS vette 7 on Sevesrvsnivens «825 SD ESHnpa ream gid c Ona BK ae tem Scns Seamnitee | 830, 10D tenemos iC Top five tax-saving bank FDs aaa Se oe kan Imtomevetw imo nag ig SMEOUN Simeone nes ison CZ eisiin Sytner NEALTERNATIVE INVESTMENT RETURNS MONITOR ‘The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. But don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly ifferent. Gold (995) (z) Iver (2) Platinum ($/troy ounce) = Se = (CHANGE ome OBS DAB smn 2D vue MOTR wm (25.73% vue 367% PENNY STOCKS UPDATE Fey seca 9 econ aon eter at ray ET WEA Top price gainers Top volume gainers ‘seetnate sae ase [sesame] 025 aust nis wehmnroter as Faminmasties 721319 |i7amo)| 638 rst 10425 toreteSrcme, 991 Ueeinoeh 258136 foaaee] 171341273778 aoes tae 78 Gecesiynina 082 2238 | gama | 287 1721 S69 cnn 238 won 738 17s [ogagee| 020 k72 2715 rea nee 0 ebay okies ro 1.16 | stor | 0038706 3818 Semworttemates 631 Setnwvatvten 412957 |asaal| 361 6204 tance Lew 726 Top price losers Top volume losers Uisarwstineds 57 ata (sas) 14827325 a inoue 7a 9a | ost | ith e362 2907 Nssoxer a rewomcme «998-1321 |iaastl| 2001-3174 198081 Vnanoudenes 86 fie rasearn 47 -aai | ano | 124 asi 1162 one Tetrmopes os ‘nce Tetrooges 088-326 [aamn| 795-7332 17639 alauevonernee 331 fetawenome fone 391 185 | 4995 | 357 6174 16055 Kewseveh a Syovteomones 2010 [aaBl| 170921036 6a5—anoredcnt Le opines «571-495 | aah | 1542 7735 881 renreSeative Sat 769 oon ns aie 135 [lagg)) sca as 202, SinsvomitPaer 286, Worssowenss 588-825 (agi) et #25 ade unruauagiunn 461 3683 on 267 599 e239 23 1594 1899 WTI Crude ($/barrel) re 7s twex — -5,94% ren 3.99% —~ = —~s —~s6 1422 13554pave mutual 71" Good long-term track record 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 furs has outperformed the index but a5 lagged being Its peers in recent years Rolling returns (%) ‘The funds past tack record indicates heathy © lipertormance cers time frames WHERE THE FUND INVESTS Portfolio asset allocation Fund style box === HG a? | | | © the rund is currentyeventy balanced in its ‘exposure rnin and broad market stocks, ssansoareame Pere Poser ere enriiten aia cP FACTS —« ro — rcttiwoce Tle ase sces er (MIETY LARGE MIDCAP "250 TOTAL RETURN INDEX . sci Ue feo oo [ool e Ss coum aonan mages — 308 —— "000 ie FUND MANAGER SHRIORTTA BHANOWALDAR @ Tre porto is high diversities with ‘modest postions in top bets. Recent portfolio changes co Ceo wor, Central Depository Services tna HL Technoigges, Hero Matocorn, LTNingt $Jomato [nan Cattainer Corporation of ind Gale tai, inate industries, naan Every Encrange, fo owe Cra Muthoot Finance, Praiite ndusves, United Breweries (ADH, mr Aaok evan, che Matos, cL Teenage 1% foe redemotion thn sea aye How risky is it? rt cteny dee soiatcenin FM ss ne somemce EE 103 ot mesnreun = EE 1935 tsar ‘The fund's risketuenprotle © has slipped'a recent years eee heme eter eee ray eer Pieroniae! Affle India: Innovation-led growth Digitisation, acquisition synergies, strong R&D and differentiated revenue model to drive growth in future. T: obaltechnalgy company reported stronger ad bse goth rossi Analysts’ views Grtecimanastosmecinas L obieatvertsing Wnts {ncresingdetaton. sported ‘Mordbledataplas rising ‘verte nn stone dale jects nas ata economy reach rl by 20a fereaststb nate olga conser usersninato ‘The management hasexpandeditsfocus beyorareal maney gnming RNC) inna targeting remiamcner ase andrea 5. ampp.Fullyintegratingtho The cepa bs successful Iegrtedallacquredplat FT aS? inotomineiitanrnc sitentyaree RUNamentals oat rertars engin one “iret arte Alaris promises ‘nt salir oversea eh Valuations Lo =. ciesimoairam Brokerage calls we Selection methodology: Weniek the stek hathasshowen ‘uptusinuinteaeioooenaus tage rau ding Relative performance Entero Healthcare Monarch ‘cnn hy son ad red it srr catered wre ‘Solutions, Networth, hall ton sis 46.9 heneat bree years Sang wlds nude ennsive van indareoth ac sucessulexewionT acaustors, Ameccnepris _owPotes cupeem ain arse mag Ruhr astunee Nets ni ae ee ie racine 2 =r ove sere surtck eaty TREE ty comma Re epee rath nae Minds cororton Nam aR NUM sets svn ons canteen nerewcieeioe Gaae aes ‘as exereetnnsray fw abe ihre ey Zydusifesences __Phillcapitaltax opttimisar Lower tax in new tax regime Sudhir Kaushik of TaxSpanner.com tells readers how they can optimise their tax by rejigging their incomes and investments. sonal Vi lass pot Straten rhs Tosever finda ‘atest Joewalean ave ssp ‘Catmoct 000iThsslary sored ssieetrnerin hifi Tax-saving investments temienickecrcers ll eee 504000 | 04000 | praebinaae Movimiento sui in ssc eae Fer rc 1) ale ee ‘apo © sooo uprima and food coupons worth ®24,600, histax Gadget allowance ° 25,000 — ‘able income will come down by almost = omy — Sino tnarsicke ron eae coreinee mete ee hintaan ie ea teste aeons eestoneantert om 009 Seas chiara Foodcoinos 0 © 14600 parle este kr Perrmane tons ‘20000 120000 EtonticeD tose vet nese tcolgees acetal puta pe [EnotyersconiibtlontProvcentRund 60.480 soaea. eth iRutiucinaerenseme Contino ns undeSac sco) 0 © seo Senuacentbut ie roa: CEE 3 ‘cess nan ++ INCOME FROM OTHER SOURCES Timah hare a vert cone 1250 0 ray attention a =e. ‘moje sa ae Conta ins ° opty eileen be cor Thelife ‘Rental income. o o ae frieatecnrhehasanouttanding TOTAL INCOME FROM EMPLOYER Provider 6048060489 supa LUteinsurance isco 13500 “scm | Vivek Jaiswal’s tax sss a0 gi! Lerche Eee] | Tomavtaxsaveo Baa a = oo (| 4G = . — PER YEAR Other deductions b ae RATIO ——_——— cane | EES Ee etal insu ance 12500 12500 “wazie2 | 0 | 0 3.6% 3.5% Esmutual (‘Wicls ua ele) DOCTOR Disciplined investing can __...... achieve ambitious goals =.“ Himanshu Sharma is investing for multiple goals. Here's what the doctor has advised him. ey in funds and if their esromuos || seconscutos| | riesrcauos || seconocmos || rrsramos || seconocmuos || nermenenr | fund portfolio son foucarion || eoveaTion | |" ntcweR ise iMageace” || “aamace” || “WOME: | track. The Portfolio 19)ex Zoyexs || eoucarion || egucarion: |] 30 yess Sve BByears resenrcosr || presenrcosr |] 26yeas Bi years} pasen cost. }} eacsen cost || cunnenr Neco: sine ae exeurcosr. || estos || “eto =30iakn | e3.76amret15) health of the fund ruyurccost: || rururecosr: |] 230tn B01 TT eurunecosr: |] rurunecosr || etamart | portfolio, examines the rauater || eurtccos: |] adisoe || ettooe | |capesnecen wissen |] exesowe |] rrunecom |) user || «74 tdcore | |conmsytzoen| Schemes and thet suitability with regard to the goals and, if Doctor assesses the PORTFOLIO Od Seas required, recommenc CHECK-UP. ed Rea a ia wires recommends "Sra ure ssetecincen per advice ven s based on SereraSas es the perorrance ofthe, fund seaicers sunset soonngougetanveieee funds the risk profile of eileen sreecemoneereme Pyare ay [rie aaTeRaES RT his tinanclal goals aieeuorem artiste, hs weirg Ce ee Fepuorimestngean © Paco is amar shee eres een ree eweinsiscan Felprean ree etncesectsnortator © eucaton als cr ‘Seer angalon. ‘Grease nite ponerse tne ‘coment See ve RETURNS aut funds Debtootons fepenses other etas earasecn pereanagtnn toons “ Alocationtoecuity isverynaads ‘oe ed rm investment a wp em eee esting cowenec bat y onemiscopand | [NWRityNexts0index ice ‘aloof Be ow fesse fori coecycr putea Seahorse aE Note from ssi sna thedoctor Soe een COR wren Scaneney Eceareaeeaco meee findweonre nants eee ene secencaaeene nm (© Take adequate lite 15,000 spud Hike amounty Skevery ye WRITE Taranto soe es 15,000 iremonty ease nN FORHELP a xtrve con tiga aren throeneenertnnser Jeetoeauy free 12500 Seas ‘| Seicineramne eweeauitons RENE een oo acy clerd ‘4600 ranean Sra See at TInesed estore yes ealcrestcodt toraet Einaryour feedback & (i072... Readers’ response, online and in print, to I.’ Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. waetsaect my sprecatentr . 7 LL, erring tsar “canna smamenienmecet. _ Unchartedierritory dith' ‘Shiscninertnnsnhenrpest Steeemmcerrigeee, — Dasreen outer ian Srecccndnndteasstoe — inesitgnimacdarsanect | FETED ih itameinmeinsnse nce, metemaememetamaee | MMIC | SSrcmcinnerere ‘larly explain features, coverage deta nbersiyseakonsysansrecome faNAibekyaluegr diceatedash ow Intosematforatauetocomoanyaone fat nancasand thrvingbusnes resderesrenage non ating otek (auth hares honey Ss unted ‘reading raveresouiorsformese aaretonidnbedecredted ont, ‘naurtortedaend remiss agrest ConcemsandnooeeTweatnwargaress Pusilimcaand thoreushrarseh insinive Thewepotvechanee i these matuurearice gence mani Ipatulyencourazmers open oon wht abeodorinin.esnatural UneSeshtantharcorrectyabserveatnat SSM ‘Umashashiantbascrreddiatie! thathcenmtenaitachmentealieins Rlsnevertaoestyosimpity one sfinonces,Testory Nowstedfxmconseinve mrrernenrnestmake Somemaeneacaten diet Taoxetho Mona estands tte lerety com. tae ecauonary nd sau ere fanclal rover ieiroattr, ikewttireisden najoatinal with lex onelsieytoleepevertunesrolatoryresdng fr aasorng restos THe Tpit aes rename er threepnnralonsarebrtunte FoloWIM Ickcingenpeses ttre verinets, roof socal mea nents infec Feet thenuthorsprectealavicecatiadioa Acheviampictyrecuresocer under” tlng usmabracietnoulbepred Siversenireininingehtairch. 8AMetoo Ramasroonree hana yp atm What is bond yield? If you are confused or confounded by personal finance terms, 054) RAM) J2rgon and cacvaton, ners anew series to simplify and deconstruct these for you. In the second part of this series, Riju Mehta explains bond yield and how itis calculated. Bond-related terms ‘What is bond yield? Bond yield vs price Teeside wind ooeiixewme asec, | Ksteamoleunvwecasseeenageaoraa | vsinterest rates ‘esto hran abou Bonds a sone Soinesment seems eerecape | aor okesare mere rr eae FrePacs a eerste fn Rete hehe tomeat tecaterecnoe. © | Health meats and vet Bond foceaes one ke open ieenspreels¢LDooangeoan Pthectceccetiennen SAG ee aS ome volte aor c ee res oes acm Seana eear bend = “ime 100 os SCO eagem ES Matty date ae _ Fea ee te, aqg Tete On wich sir es 100. = 10% Besrwestcancean® Sveiveiesarant oye ait =—12__X 100 Sninelwese are sttetoel Pants 1000 SL mer ieee ta ead Telcos, | What iscurrent yield? Rasuaneetea Tiitosmameuve SHomebomecnemiases | maamasnteametemnetotectierna | Suedletie ennui ee Recsbioalshtsenny” Trios ous 8 iieagameerietae tach terae | Siciona heme Leo ae | Smee | ees arnaes bone fenive 000 a wire SEO Sorearorauneimasiye me NSonESe oye serio lteter ee vauriyere 1 neny “Scere pee acteiead A 59.1% | aii mena e, ‘bought or soi inthe secondary mark eet ears =n 00 prevailing rat ice wil ise GEToioe sores Seeman terete SST