THE Economic TIMES nN How have Dp your funds Si performed? P14 WOU VOUr ity it) WE HELP YOUCHOOSETHE BEST iat TO BECOME RICH [BUT THERE ISA SECRET Daan eee oe TO BECOME RICH Pao) Mate aes CL PCTs laiercssuoneen 8655097256 TO RESERVE YOUR SEAT Pea MMe MRM nC MeM eT aBy Riju Mehta DE ith ay 1.90 in hand. thedstnstnk ormaatnscee ‘irinadivor Anda hear Sour mtmeney “shes S| set and evn ycrmpariaa,Shwwtn Kara. hele’ What ‘ageny rong totianeal roe pie ind ‘umber of woenen who are divorced Sen boca theater aetna ‘edagai Awatepor tro the Orsini a a iage ===. know your teanugh opera bon Here are the steps you should take to secure es your finances whether you are married or undergoing legal separation. ‘doch tt uncalled ‘iahinerbow secured eee ‘thenthey cremate they sesungthrough aor: What retinas ep oe {hearsoonarthey rain three ‘routine marrige Wh ae ‘stoners and which howl hy dvie teases ststpropert) Inter week rvrntont howto ear “hesfnanctaly ba asowery ‘hinge aed throw ah “ Fes during dere - What are your legal rights? Alin oman ete cera be ‘eh inal eheee SUNDARAM fom Select Focus ‘An open-ended equity scheme investing in a maximum of 30 stocks with a focus on large cap companies A smart way to benefit LS ea LO Oe a * Concentrated large cap fund * Invests >80% in large caps * Not more than 30 stocks Bel SCOR Tea NUT eC Lee FMC PT TU ae =| sf SUNDARAM MUTUAL Moderately High Fisk bt about whethe Mutual fund investments are subject to market risks, read all scheme related documents carefully.cover Pa All about og Pc V What is the cost involved? Which documents will you need?Divya Kapoor ‘ELM, ENTREPRENEUR Svinte emer Fara mises Memrlamanowueren While married Glantagee toile nso a while separating 2011 ee. ings the NSS an fooerses ncted 661 didn'ttake maintenanee,| _*70,000 not because Icouldn'tor wasn't aware, but because ! money wasn'ta priority for Wo me Just wanted to retain ony} “meen Senate nasa sanity and get a closure.” 240 lakh “Nisimportant that ee. tnfrmation stale the woman come out beh wee om ofa divorce with more ence ar wad liquid assets and no ‘rant ph This outstanding loansor liabilities.” Don't let divorce destroy your finances! The financial tips that women should keep in mind before a divorce. (ES A The moment you ease Ot assets Troube srewingin your marrage "iepfy al he To ensure you get far fethoidof a francal cocumerts assets Jewelery mamiente he 3 ronal ieneingsatary statements em Sghovieole tems panne before a dure meets ronery axes inyournameand” lawyer fs portant you howserol temsrecapts motly — uttteseawayin——_artve a hea ere by Spence oro! poo! 9 cer Sate pace {hing te scout eatin une ce Wow lene for nyouraival andre xara to ter te husbands ay make cher or withyaur ‘beable toma your dieu toryouto access these parents yi ater ior mr ‘Alimony & child sm nsead Mrytegetosmony mand understand that the money onhivoayedbsae ate sepomsmeoeone —YOureaure for hustle thetamersnontiable eves extity ‘pene ng mang Soules out erson ot ‘ebooting yur rar iesve ween, wean au to anon ‘roe Wyo om me money you wi ‘you oot for monty Seormestone neeatobrng op you en bayou ensue ts vo money for scorn ure la Seed oration sed reine howe foals econ a macy re youwllte neue sre enperses 2 welDivision Od dedi aS There is no legal Se ud Droperty at the time of divorce. So unless the divorce is contested, itis Paro nd split by considering the Se ied eter {8A woman ms 0g ovr such nisoudhane sedan grove vie the ae Fepayment oon then resooratc for tere te in We ete ot ter soos paying the ity of repaying the loa ater sting the other rey ees ‘min such a case the towse neorgs a owner bt he tard fame ana ae the ownersng of ‘hemos, bur te setting he “woman has no claim ‘over the husband's ancestralor self acquired propert Take these financial steps Shweta Karat NODA BusessioMan Financial mistakes Mares While married. 1992 While separating. (© 04a not calcite re expenses or (© 044 na atk for maiterance oF make sey oter demands 66Icominne to struggle Jinancially but at least Fam ‘atpeace with myselfand ‘morehappy now.” 2019 > 740,000 investments 24 lakh asure child’s finang;, you? ete, secur, ene) entree When a divorce is cence r* eat impending the woman moar oe, ‘ave cai cme se should check all properties ‘Soe: Seems Serpent sla inhername and keep soem batons ears sem trackofstreedhan.” a Le insurance se eet : EEE Sim | Sesmermennater shimatteane sincnssusrsgiraat five ea Ei Mahima Singh Financial mistakes Marries in White married 1993 (©.4¢ not ke track of cash Now or 3 While separating. 2004 “Kamaamereaan | woe a £20,000 CENiomen should be givena 1 of their financéal rights at A the time of getting married, Lime af h | warth ot wclames asisdonein some developed |" vests countries.” £25 lakhfinancial > = Why value funds are underperforming Participants at the ET Wealth Investment Workshop wanted to know when category will regain its lost charm. by Shivani Bazaz \ Mistakes that prevent investors from getting rich Investors make some common mistakes that reduce their chances of earning good returns from mutual funds. by ShivaniHag, ok banter ainda) kas LIVE WORRY FREE |: YOU CAN ACHIEVE FINANCIAL FINANCIAL FREEDOM THROUGH PROPER FREEDOM PLANNING USING MUTUAL FUND =< SCHEMES AS THE MAIN VEHICLE is eryere's ram oe a wary ee ° ie he every wa te, ore ls wes res mesner wh ‘ecb train eg ‘has. franca eso aca ua financial oat wich caus be met a Pin oc =] | Eare Neth eve AHow to earn a regular income from funds With interest rates unlikely to head upward anytime soon, retirees need to get out of the fixed deposit mindset, says Dhirendra Kumar.stocks Will current beta rally sustain? Investors should be choosy as some low quality stocks may also get swept up in the rising tide. by Sanket Dhanorkar ' High! beta: stocks have: soued inthe past few! monthsi o, A Go for reasonably valued stocks with solid financials Coe enor ee ee ee ug CAUCUS Ec Pee a RU SUL NRE R Lut SCC Tt by Sameer Bhardwaj I performance and rabust Juture pros prove effectiCONE a ie io me a7 MUS UMIVERSAL BAM hese a ws a December arte the bank cre grow ‘eglonand sae quality need to {change n PA recognition mormrofthe ‘evel economic eto et 109.73 ‘certain challonsre weal ‘perthiiowillminimbwsswctnedrinks fedepetawimprove ured ine Increase incomming ents The bromerage feingtaneardthgrosthinafeanc Pon a 158 SH 28 Bre EEE = cr a 1 aes wm =. ‘ero pent todetnr atustedoet cons owthet esconsrucncounany sarees Pt He) = otlersa diversified range ct aw 132.74 ng: Po 145.63 ‘y/ CED reese eaten pets ‘healt wets a Say ananassae s0988 tegen pane — Rina rcimenecd asta herr thie Spenyeaapreand Aces Sbambetcoteent teense Sane Seopa rea Steipovenenectn apes Cian 6814150 ‘Ts NTECRATEDLOGITIS SSetabair apne primal pat i pstmt fear wah bi nao pects tom indiss rong ‘teraareeacted ie cing dobry ngs he stated rs gminer 86% a epee cmb quarter bof growihand usted FS promt KS ‘alpaca moving bier nthe alr tbs wel rf as tess rraeninetetieves ‘ea chm nny ior iyo thermerying Asan regions ithe a siz OLD oe SELL oe: ™. . ney lenny aoe Yonge f | shermeindsery arsomed htarthat Mego hnuritalinels Aecortigto omens sam coreassets another kes postive fac | todelive revenue row hat208% ibe ‘Peete sto indecm a HOW HAVE YOUR FUNDS PERFORMED?financial > 21007 Equity and retirement planning It is unwise to depend only on traditional instruments while saving for old age, says Uma Shashikant.financial |) Take control of your finances Assessing and updating your net worth periodically might help you determine the areas that require corrective action. Ankur believes that iti time he took his personal finances seriously. He expenses, Henow wants tohavea proper financial plan in is ft Asafir iknow h current financial situat and, required, make changes in hisplan. GR COTM salt ticket insuranceinvesting Bank FD rates low? Buy listed bonds that offer better yields Depending upon one’s tax slab, one should decide whether to invest in bonds directly or through bond ETFs. by Narendra Nathan bik sector under ak BSMV \ PES TS 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 on the composite rating to help ease your fortune hunt. Hestebereerent nd Marana as “@ Fast growing stocks ‘Top stocks with the highest ‘ipeced revenue ® gomth ‘over the previous year '® Best PEGs ‘Top 5 stocks with the least price-earnings to growth ratiosmart 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. LAGGARDS & LEADERS ain ane er viet nd tar her it 2 ‘oon ach cer feeder rth nent ‘Netagarn ar may bea craton Yo a Equity: Large-€€p + yx warm 270m 1 ea om 1 A I ne oes Fer oe i, Equity: MUIti-CAD rere eS ae foment 100 es Equity: Mid-Cap » yeu rene stn ae A ey lo Equity: Small-cap + yr wun aoa oe me pe ome it ee Hybrid: ABEreSSIVE sawn RECESS in | aeETW FUNDS 100 _ @ 580 A a ea Top 3 equlty schemes based bal) LVI 87.1% asthe growth of AUM ofloans and «| (i 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 <4» HOME LOAN RATES a cava [) wenetectan faces atten mvt eration ea tnseten ts 2 oa N | benchmarks fr arcing new home loons ‘Most banks have picked the RBI ciate a Qe Cae pasate ak ys tan sarterm toe 1 an 2020 muten YS tant syrocae bane nev 2013 cea yo tame Ue a fe ‘nev 2018 sae Centra Bk ot ca ood 3013 aan x0 tink Soc2019 = Ree Cerperion a0 ssn 2019 ys aes sarc 1002028 ao erate Sas ee 2018 ao = Ina Overseas nk co a0 thew 3019 Top five senior citizen bank FDs Top five tax-saving bank FDs =e aS aemarket 7): HOW YOUR INVESTMENTS PERFORMED THIS WEEK This weekly tracker keeps you unk also tracks the changes in th fed on the benchmark stock index, gold prices, bond yields and Index of Industrial Production (IP) ‘ne year to give investors an idea how their investments performed over a longer period Sensex Gold price (2) 10-yr yield (%) 36,108 41,386 39.002 7.298 seis ite ci MB saa ‘ii CHANGE ° vox 430% wwe 0.44% vex 15 ps) uns 1.80% wn 14.62% we 23:38% sat 60eg mie 98K —_S Set rt ra —~ Top volume gainers Stamm 7041773 7 o2 | seen 70: Top price losers Top volume losers neon A aise 1 200 Sa 2 sen on isa a Ly cine 022 0002s? jane ts 339 4429 sos) saz aepick of the Oil India: Stagger your purchases Buy slowly because the share price may come down further in the short term due to immediate threats. “7 ‘ ‘ Fundamentals veces spur Overweeht 1848 o Federal ta fxacn = bya » cose serovet ProtrudasLitgher Bay SBD ra ‘yrgene errata seteoes by sa re SELL oak Mahindra Bank Sans see a vo1sec WoFcSec so woe as 2 we nesta Ze Systema. satechnology 5 SMARTPHONE TRENDS TO LOOK FOR IN 2020 After a happening year as far as smartphone launches were concerned, 2020 is expected to witness a lot more competition in innovation as well as on the design front, says Karan Bajaj. 108MP and fcross rans but 2013 sa teh More rear Seine ono omertneres ed14972. Ar 2018s pice wot pa he a gi oc 2018- emotion soimooy ‘Teese invent Roos Ts LO ‘Seuinwt staratcaty eon Sereaeemeain sine 202%, mary wil aterstweyeerecin wal foibe ‘Bemmaneybecensderesot —Sorsidan ‘syecenemarsseand | ued eeacoraney? ine Sn, sonar ran sno "SONY iomiCwiterientome 2 owe bonare redcemed bere te ut term tyes ower te on terest receea be (fargedotat vey year nce ee 1 ce yu are azenor cen ‘Yourbasceenn rat wit Brest ante coeur ‘ours eae oem orred Daper vou Hr toot pod sexta Feeley nds funasasyouwar get Gitegry vowcansot ‘wr ero he wore ‘Pe peany corpse NPS ‘rre been ct i evmaroge he fares Vidya Bata ‘oe eget ame nef Inveument car 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 ama senior etizen and a ‘housewife. bouent apt for '2 ‘ak in my village. a taluk headquarter, in April 2012's ‘not rural or agricultural and. tam seling the plot now for €8 lakh. ‘What willbe the tax lability? ‘Should fe IT returns for 2019- 207 Hf yes. how do tcaleulate C1 ‘Can! take into consideration the ‘exemption init available to senior tizens while fing my return? | dont want this amount to bereinvested in any scheme. Any gan on eof movable asthe ‘formor than 3 yeasiscrscereione ‘ermandtnecon of shasta Indewe Tenet he et ‘e289 being 285 2013" 2020 (year ose or 2002012 1o13\yea tours) Asumng nat ‘youdonathave any noe ry are etween 6 and yearsofage he LT fe5 11 wah (ea £2.09 be ‘remot ote ete ofthe base ‘remptonat 3th appcabletoseror ‘tz Ted 21 ath wilde ‘nae the ae of 208% rere ‘es ne worescto 3 a Se ‘ourtnble cone fr 2019 2008s Te base exenobon ert ovale oy tax ‘rate arent reometo er the ‘aotalpinard he ‘axpadtnereen Hom Mistry am 138 year sine earner ‘suming you neta te money fr hishpereaucaon nestin amt ca scheme Exgesie 0 cuties wile yous et hace ome Sce wath cr ache rat ate elie or ‘outtionSuennfiationrrgesteeween 912 ned care oto er tan FOs or errmer ‘Seigscnnes cure ofr eres rates one nant gue Mevaltaty meats frees hte here thei olsen over 1 yews lo You fre aver ‘Shige your rok aopette ndeipyou tno sate sere Jayant RPA. cr inns vse rr sre raenatyo franco nests hasoeey Seen. Te econo ext pends on your isk {lerace and aby a assess mare cabo Sicetne cmpanes ae furdaer ta 70° YOU rast holes seks an wat rhe mare 0 ‘etound Thebes! way ere De ea ark treme rok throug es Sart Srsinvarau categories entire yur wal anc tecvesCoautatnacal odie tb ‘se nese rater betting Yourreauemerts Asa by "aay oat eat ura ‘ndvermelan aj Khoa Simsitwerine mhepeta 2 atracet contin trmamy nar yee 0 imnotcentomestin_conieation Insraee sopleasesuepest com yousre, ‘Sema optanseanerter sng autora ‘maenteniy. beret {51.200 ot toting tx saucer Seton BOC yout you rane inate aptiors ke Sea Cizens Suing Senema tax singe Gepost ESS Fyavarelaotne rasta otontorvestin (hose SSH0r tae savings SESS ave eae leet ta saving Te meres eed trom bots tanabe nthe hac of he vesar [Stns havea te yor lock on eee Depencng won your tne harcon aopette a. arc Gupta Ask ourexpertsmutual Increase SIP amounts every year to reach targets easily Sunil Tyagi is investing in a mix of mutual funds for his goals. Here's what the doctor advised him, oe e © ° esceuancous xrenses owe RenovaTion sows ‘RETIREMENT INCOMES yoo Beery year orso ‘Byer Tyan ‘COMONTRSL Seve PRESENTCOST €2-3ikm ——PRESENTCOST-THOIakN PRESENT COST AB 60.000 per mnt FUTURE COST ENA FUTURECOSE eA225ukn ——FUTURECOST EBS conus REQUIRED eMerore PORTFOLIO CHECK-UP) “Chern orthepes INVESTOR'S EXISTING PORTFOLIO ‘ ‘nad -yovo a eT 5 etmauttoaiae -\cCruAteeestnd —a8300 7000 canewer numtrna 0 Severna 59Smcw tose « Stgamecmnenee san “Sree 9 wrcinmaany ase syumngaarererssaone eGroarsomgese — vorcsertrmoet CS a eae ed or sarbuene Saez 10000 mina shotoneteresiew mes 9000 meee saison 30200 10900 Sainsannmesmerimeme nt 9.008 scrote gc tcadee dnc ano ingimnmswtacae agg ercreretnmene @) Sages asuerzs0000 Sinesmamontertreamal stint 9699 Ea antaast mover 00000 15000 Sinsaroverncrasy ee 5.999 orerenrmenems, Ns CR aa canner vom EEEETDEI) esses cx This millennial can retire early at 50 esc? Sanket Sawant wants to stop working at 50 and is targeting a corpus of 21 crore. Here's what the doctor has advised Mirae sset Emerpre Bue TorAaL Cawariteotierpg Eats CoRPUSREQUI aT a PRESENT NEED €2-2croe(¢40.000 et month 9 ecrement uretof012 <0 496.core 116000 4000 pcm nteataeavontuae smn 5 Wu ‘dong tocesbnctacoy iv feicegeayrene 110 3500 cemmmrintenscntemnttennin @ hvat dra , Imentonedty eves. 2000 3.000 ouareptaten be = nooo Semesraramseianecetessneny — fetementety Not 2 eaves at mmentoned Saw nos CEE aula) DOCTOR ot many invests ino wncrer Ga they have funds andi tei tind orto son tac The Porto heath ofthe fon portfl exarnes the sthemes ana the sitabity with eardto the goss and aavie pen based on the performance of the tunds te rsh pro o the investor swells in the calculations INFLATION. factor Frat otro ety tes Detcotons WRITE Tous FORHELP Bees Srecrtceonng teenyour feedback Readers’ response, online and in print, to 1: | Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. EPF, NPS not i enough t-after micro market in NCR Good infrastructure and availability of residential units work in favour of this Gurgaon locality. Asough So LOCALITY SNAPSHOT a BY BHK GOLF COURSE EXTENSION, GURGAON 2BHK 12% : ha Ton 30% : oT 2x Consumer peterence by VALUES Stagerserment (9 Locaury Capital Rental fear ermonthy Sect 67 7100-9300 3610054900