The spread of financial literacy has made investors savvy. y But some myt Ss misplaced beliefs refuse & to go away. P2 & ( The cement ‘Should you pay Don't be Game-changing stocks to beton your child for afraid to ask ‘smartphones inthedownturn household chores? for help of 2019 Pio P13 P16 P26 WE HELP YOUCHOOSETHE BEST Zang onto oN MCN ocho CLAN od sur Tene 1a secRer nen Cee cru TOBECOMERICH™ @a EXELL 9 steer OLThe spread of financial literacy has made lay investors savvier than before. But some misplaced beliefs persist. 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PVs ane TAKE CARE au te rosonstrs sumo that eno thayhieanadutsr Investors souduersiand stat ang ast iosiartingpottarsnot thoes vat Imeveryuingant explain iepossiesenarss oe. ‘Aber at Esther oceison sae Sacuepan ‘sao otaaeonthapare inverse est sovisrsnestrsstonl lear eve, npr rule -tverorshandingove intel parto Ingpart wit hn, sa7aSuah Phases hatapucdn Steen jourinanelladviber isiiabe els an hae tocopreer ‘tage x0 ‘andkoep Sea es. cloeiscanpulay.guest MONEY MYSTERIES Most mesrs Datevetrtey ster enon vowiogs ana zoo ia ney suit wns ng mppen| yng orm tes wine Why you should not try to predict the future We tend to believe that if we had enough facts at our disposal and could process them correctly, we would always be successful as investors, says Dhirendra Kumar. xo timoass,eameacross ser Jamas 0 yearsagoy anherv ie ergo ato naga song gene fund uanagament relied finsmently es senenbot esti ‘hotieatssepceh is TeynaTeo ara” surety tneresnosrn eas tine ‘conararaiarsont heres Goo tbe ‘peoshanaratter wb Once ‘et inrentingta stone betas ‘yseean neeting "Theft Newtcnan ysis was suse evntsareimuerodby peal ‘as Fwekarned enous stout, ‘recoulexten our koowiege ant inte nocourensronnent Par warizethe EBunaalimermostorineseanranats, ‘cenzcaaaies copemie ecryand ‘rcs meas sano. 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Kona PO Br Lrg em ars cu ares ora poet ‘Garson fnew ary onc asp eo ay Sra fn 2 oe by 2022 NED ‘nerrarucure cevcgmen pany ponds saves ‘ass rous seco, mae rns rgWOPs ion “mourn waer miosracre mengenene te Serr (are treprec es ears nee thoDese ‘rota cas eva ng imroed ar The {ono nas cet aoa ates ore oso tno rat raecs Oe ee men at Tort tookoters mere van 2 Yors of reeveV EA unas bos cary ones Decree ‘est monaea rot conerces wth 9g sre tet Nerning cotta one We pest OLE rng Pes DF = Cre: eo Mma [Bj ecoecano mason GET YOUR MONEY TO WORK FOR YOU. {LET THe EXPERTS FROM ET HELP YOUMVESTTHE SMARTER WA. “am au ou art vd oporune t statoges, ‘fom ae et ed ooet FAICCENTan | ES TERRE Hiwealth INVESTENT WORKSHOP FRIDAY, 17 JANUARY 2020, ‘pn Chana al Autor, Bock ACR Pas Oohstocks Bet on these cement stocks in mid-cycle downturn Analysts are positive on the prospects of firms with heavy presence in North and Central India. 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Find out how to conquer your fears and secure your finances, says Riju Mehta. “Lwill ose all my money in the stock market, } especially during volatility” ‘This isprout tho mostcommon nant ar espera among ‘ene, inexperience or ine iterate invests. sao ‘Howto deat etn tetsu nave po ivesngerpertis rhs suTiewt Dexsocanaatai you wildnsoagan soe oti to cent ‘Grwctythroughtocs a viata fds yoda wana tradi, nares aot uperom Pes andy toMy ier cowate ‘Sours eangupenthesujecror kc eholp ce pessoal ena avis A pod sgetion totes ng dot betnnuncedby sort urmmareet cursing ‘Lill never get my documents in order’ Poor Leadersii" Inronucngorrorsintareturs encing man ume. ee Farngewrtoraspoaingarases, erepewng pees or nen ‘mparumecocamenss proper are ‘mentees ears, tones Uhatarsokenaboat tolast, ow deat wth Fortuny, thiseriseasiy taken careotby ‘repringascieouteana towing t ‘Mesa Manan soparatodey, hscngaternportantoocamenses ‘eta he ceutnestoring, een Thgorpayugiremuas au, Setalamsant tomate ‘ay your arsotmisig deans ‘Tomalcerorsinangtarrcurnar Imakingawi sbesttotko tea ‘promos. ‘Iwon’t be able to handle a health emergency’ ‘Tmomarorwipngoutones savings inamoniaomarncy ster Fealgenthehghcostoospalisauanand mdialcare Tse ‘perl trstncasot ernest decent DUS. {several casa evenbnichalhieurancomay prevent. eta p up plano say esl whadu rela ‘Tuswtecteaper an sing fag coverofez0akn The ‘nr epton stocrente ational aero selene yours Datnplan asoualytportantcouy erie) Mnesandscsont ‘isa nsranee plans totes your Ont ay ode Wa ‘Iwill not have enough money in retirement ‘and may be dependent on my Kids’ ‘Neary 51 tndtans earthy wtrunoutofmanoymrttonens, ‘Bonny acoranyto the agen trent Readies Ie Hoe toda wn en tora plagues, sae bys Inga larger ar otyearincons by entnga on ar eset Sends Alsoetck you arene atnoss0 at ur corpusisgrowingara righ pee Tote pf nana ser Arecssery Pustbask eur Feet kN a ‘nal seu ortncomoandsuplonentngyursnsigincome. “Lwill lose my Job’ Mywaroworiataoutoh sso -nnvstorenseossl ‘aartram ourbesearcolrarus, (rtarowinsiedecotybloar Inyoureompanyndusty erect. ‘tveapoutverenmingnsar yoarseian cook terse ‘Ear syoarownpoarperarmanre {oimorovenrspsii yrs the ‘reason nheyond uu eorol suchas fascutingmeasures or poe inns ‘erermance youwilethernavets ‘ao yours ndspensso by ea Ingmihoshisand anasto Sartiktngr en od win wat ‘Tull never be able to clear my debts’ ‘snaroteing iio dakirp koonowecomoby e800 Smeorvnaney etre og tama Ns Tas ‘ay sinaconaretnnor aarggtan Oohags Ot orotate The es ay oven tsar aby sto snr ‘hatalipeuriban don tenis more than a 50% ofyour inane IT poutave ata ton tan, not taomrelansanpropare ‘Duane the ostng oars Statin tbomestoxpensive deta ‘rata orapersonal ina, anon car ar aeonsinvesting Vinay Agrawal Sxiwouunyar CEO, Angel BrOKINg Threw aresinysocteperarmad ‘ewe eee trot are (pect bapanietemioeantmns sya: {Getomtr nits aneere beng ee ‘Manorsconperceinsinwray eit or win roacer mares mane or ago00 ranting rounanow? ‘oti towinessanupwardtrend We ‘gees roclvrrture thaw ‘Bucapingerissulconabyar® roms akin adams taaigaeare than 208 asconttoNity, ascomarato ‘beresresnouan compan wa qual Dasnosns wort meting. sprschamtnenconyineso sew suony compet mats a8 superior returns over he longranconsist- fey with one volt rowtnanaquattyrweatnecnarsinine Dastdeade Doyouseevaueor ary eter {ememaningseomcoacttniscerae? CGroetnand quay temeswilnweys Senos inthe rtd Mar strat ‘etn copled wititheNBECcrsis Impacted growthand edt intho cen past Now win he Worst the NEC ‘risen recut aga con Coensaroteingaairese,Tscoutod \engovrnme nits shoud tenevematnwecoevaneplysin ‘etal hore prfei as oen ‘aves mate ‘Worst is over for larger NBFCs with sound business models’ Retail investors should look at broader markets, take a bottom-up approach and focus on buying sound businesses with strong competitive moats, Vinay Agrawal tells Sanket Dhanorkar. 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Don't miss the information on investments for senior citizens and a simplified EMI calculator. Top five bank FDs <4» HOME LOAN RATES resume eat Sai Test ll (tty eect rom 1 october, ll hanks have made the transition to extemal ime aan N Denchmaris for icing ne Pome loans, Mos bas have Dcked he Bl ae = xX Be eno as te etrral pena oie a Cae ae m are 5 _FORSALARiED oo ee manatee cone ion iano tenon inne soa | ete mrs = — ‘stern me — ‘sea tr tom an yeotan poczne a tm crt sat srr | aesnn vis 630k 70 a s7 ae me ad ‘vos eank 1s aaa 1s iene aed {OFC Fst aK 7 a andtea Bank NOV 2019 ae aE ‘ant aod {oec019 owners canta tere coe nee Sete ie sora en via Err teva ran re a tomatoes teases Suen ‘noaans roy pred Top five senior citizen bank EDS ian Seek Sam eas cunnan od Caareteed comers oma Laas = ca cortentor ta — i cymes teases Seen a mono oe ‘TENURE: 2 YEARS: Your EMI for a loan of 71 lakh io =; ie ws m re omen Sea was ro 8 enero ane 0 11 is calaa mii am ua rm on iat Oe sn 0 ta se some Le 1560) yertewesriman ys ‘eum ms ike rove re 7m 500 tsamepa sven merece mesos corm mm Mat aoRN 2354 MS sat Top five tax-saving bank FDs oemarket (Wate) HOW YOUR INVESTMENTS PERFORMED THIS WEEK This weekly tracker keeps you updated on the benchmark stock index, gold prices, bond yields and forex movements t also tracks the changes in the past one year to give Investors an Idea how their investments performed over a longer period. Sensex Gold price (<) 10-yr yield (~) USD-INR, aaa “itr cet sinnzene| PoSeu20% suandooe| [BBA boxs ential twee 0.42% were 1.84% ween 3.6 ops tanst—-0,09% tyeaR 14.47% year 24.86% year A105 cps) wveanave 1.21%% PENNY STOCKS UPDATE —~s@ —_~ Penny stocks 35a recommended non-traditional Investment? Not exacty. ET WEALTH. Felatvely Tow cost of investment attracts some Investors to Denny Stocks, we rovide ‘weekly snapshot ofthis most volatile and uncertain typeof stock investing —~ Top price gainers Top volume gainers eotancsvcom 552557 [amie | 125 mses ste araarieinre 62814032622 famaamra| 362 SesmoFives 4072523 | ams | 004 evesi2 2058 © axseenasies 8451105734002) wa030) 2402 Wiccan: 47343 | saan | 218 eran is72, | Stanenua ee ecrcticmenrses 987 1517 | susp | 0m 021228 semeuls 37 -Ore i947 ob) | Saonsa| 08s Toyaminases 17937 | ua] sas sae sane acc 68978 “627 oor fanaa at ms ere 52 soo | uae | 04 4136 1058 Bnwaa Tahoe st 2 aa?” | igagy| 378 Soa rooe e251 [evar] coe zines 1105 owvatwrteen aa? 435-16 tmz | ems | 8139 tcarecse ais sso | sae | 026 auves 9171. pgemeramert 173-218-3835 om_ | seats) 1372 Gayamiiewoys cae 10 [sae | 005 s85t 1054 sa ase ash 69 | gam pamar Srssar am som | mse] oo? feat 23 Mean ed ant ass er | uate | rae a) ") Top price losers Top volume losers ratanatovaizewn 376 ost (nen) 293 soot 77a Museowama = 29 as9 2005 Woanseelwors 027-156) [anon | 202 7i6a1 1075 —«Zeeweaacameratin 595-004 1073, Socios 38505 [nae | 1453 "363i S287 Sexpadinteh 435865 7a Smacpasismeon 125 965 |-azai | 2526707 7ash©—— ravine 375 -mase_s288, Sypeemmaec)— 304 -izi [ane | 1696 11997 14445 Voaneioen ss 6s ont Wamrabevsinra 29 -t63 [anes | tz -7as5 19745 Aloe ren aM 1g 5% cuimesmawe ose 732 | sana | se ase eas cae aa La 27 cocanees aa tai [oan | ges e079 2542 FCSSorvaesoutons 071-455-458 samrinoses 0 faa | 400772562 Saatacomamer”— tai 73.055, felon tomerrance 368 Sst (daya | S58 13508 15048 Gamma muecs OWS 258238L&T: Light at end of the tunnel Government's infrastructure push should allay market's concern about lower order inflows. ‘wineto ne ca woes ceil ana tate roverment erste nrastrasureen Fania datiodstary Tis expan wy Tasca Touba( La) as tl paras ‘ntbereeityecapaly instock market Asie vistue tom feat Fezprmance Cat Ls a Sepa Schr nan rng le onesie rece annie th ‘vere orange 2k reetesauring2000250 Analyst: "the praeewen inastrucare sponding wn isaimestacune SA ‘eminal Pore 908-5trom over at Centre's intra ‘oppinanea0w27nrae35 "nough urs test doubt stout its rat impiementation peat sec. ts inrastrectare push willbe gps {olor L&T Thlsisbecase LAT almost rmcropely 8 trae bok tt wef domosticentanetand on ‘Hrucaoapuayrs More importa, Laan partito {Inmore thant ofthprejets nounced unr ew TLATisno mara strucara company on aehas expesuretoevrntaber uses oo troneh is a Soba stn ant onmer insane ewe ‘betting. ere Tho cmswa re ‘Sincsrtnstnness necro cmos ‘isa ear ech meet asahsstomncaner trance eager Gata nenrsottaasaes ase teratoma ac hdres tan "VIEWS frovin bene For {sn root 32 crews 0s curing ene second Smcnearomecoet rt Se vomieanoee mat (ouetrennascttat retin bth roc tere bok atiencedogr ase ‘Sscminears semecnnysraerce Selectlon Metodalogs: We Isarrivedatby averaging all aalyt recommendations sheratrting welts cach theme tstone ‘Crna. ora frat ana ersten el ana a ‘maprovement tn consensus anatst rating inca tht ‘eanalystsareqetngmoreulisonthe ork. Tomko Sot opal onantaswimatenr anaes ‘nansscoveringit Youcansesiniarcomsasasanas Fundamentals ‘crea oet seid — na valuations = a) Fe PS = PAE SG WHAT EXPERTS ADVISE soora earacotl Buy ‘wat Contracts Horcsee aur ee constrctions saiapsec muy Thermax Yesse au ‘Asal Poy Teen ‘Daceotal By “eta hemicas Nomis BUY Rape Ss aR Tet RES TULTERRRN, 4580 39a walanchtas Gian Boueratseatigae rae ees as Wa 3a sence mje 9 an romeo eros oasis ea Lace a 28 fswresypomae cottneomartomtarss00 lua uranesn rey wn 1 2 peteosemisoni canton oemeass oma Toy ray Ro akan ed eres mao a ace sey eh ee 19 Rortsseesea tea te snansoeszpwtste ronan a as 4 rpc tetas a Au psu ssa ons a Schiavone utamaveoytcea oa anes paoN res OD SIO. Prapnucasaner oe ene wernt emacs usn oars eemutual (c's Can reach all targets easily without increasing SIPs Biplab Das invests in equity funds and fixed income for his goals. Here's what the doctor advises: e 2 ©. ° ‘ompscoucanon nsec compsuannuace RETIREMENT INCOME 13 yar, Byes “tOveas ayes CURRENT CST 1.76 cove PRESENTCOST<5OIkh —PRESENTCOST:€2DIokh _-PRESNTCOST:€20Iokn (7000p mnt FUTURECOSEe.O7eoce — FUTURECOSTC3B.3imn ——FLTURECOST¢4Slokh ——_cORPUSREQURED C424. PORTFOLIO INVESTOR'S EXISTING PORTFOLIO CHECK-UP aes ery naw sr ‘ rvesinaineasty i ci ‘WnESorDEBS10- ease emerene BD (GuUESPNOEOROMAT TEEN | 4s 999 yer Sueiuuuscen etarysartareeur | FonklniaasmoterCos a seagate | Assen ie errr cotoentie ea | aa EMaSIsCODE | Gorey 100 - stoimameaniet gy yaya. 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Here's the doctor's advice: e e 9 B) cownearcnrorwouse: Ses ‘ot EOUCATION 17 years RETIREMENTINCOME:35 years FE] _canrenrcosr ein PRESENT COST C40 PRESENT COST 76 ah e20.000= nth B]ecos est. 231000 OURECOST: 208 FUTURECOSE XB crore FUND KAM cx luau PORTFOLIO ee Oe © siroersertx sor 20951] 5000 | SERRSPOCRIOONEDESITCMOETIN ge tinesingin ‘ey tas an FPF er ery rma 0 oesunmsteeuae — @ Gunngctng, Tasuas | SES T ROUTER RRERTGRRS — fropesore login, snisiao ° a ene comcenmncrerannyocoyarcar ® Algo recat ‘sana Soin Yona sao0e | a00e | preeainnnsneo en ‘renal esin SP Suishenornnsaibenannae-Gas © Ree estensand ace peet aOD van| © Someny sete yes ‘eaorestessoncen Om 18000 | 3.000 commeconrnuconsananueny skewer oar 2 at he “Taaao| S600 wero oer Fea riscmen ts - ‘exrs0Datyouapnt ‘TOTAL GERCEOIOON ists ‘iss tnetaret. ua at itary ines theynave peat end save gens bazegon funds meron eee) ter INFLATION uation Fort feenses omer gras mS eeneee oe Berrytechnology © GAME-CHANGING SMARTPHONES OF 2019 Among the smartphones launched in India last year, there were a few that stood out and paved the way for the next generation of smartphones. Karan Bajaj rounds up the best among the lot. Samsung Nubia Red Nokia9 Galaxy Fold Magic 3s PureView The cola Fold Ait gaing uo eal ay ouch eae me st prone mates the st isms Ndaprene with smarionane ina hte OG Puree ean that ene fang dy rane Sood ois oxeptol toe avatabe one ‘tery os aogapmy Nota boats consurers whe thre rarest Moa fr te 12 cameras on he Were sone iss win stan ot wih Is roa wth Zs ops tat me rst sto devices Intermsor can samsung ay Te werk tanger to dele shots wih super ots ana suppers AW orm ‘novation en, "isis the tsar tmeoniysmarionone Taceetns ines Salata Se hens stature cot ‘sang emer Sesame sents eines pos Sears ‘Soc iatet Sethe sn acta ranean | Meets ra wdc eve chee ite te setae AsusROG | lat Sou neon ‘defining a new category Phone ll ‘urs cool even afer ‘of smartphones. detreenaea meearity ‘hours of gaming. OPPO Reno scan toxZoom swanky dosian but It ee also boasts of a 120Hz Sree refresh rate display. 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SR Sela eee See i eam" HIGHLIGHTS, Soceetseement 7 4 tiscos to werepaces ho cBD Bata, Tala Tube, NAVI MUMBA\ oparatae, Chars and Reo 00200 PRICE RANGE ¢¢t1shome to poplar mals ke Orion Mal, Seswoods Grand pete saa a Preiny « Renowned hesplalsincing Lftine Howital,Panacea Tiosetten owe. Ba) supersocaity Wospa are cose Dy 4 thas goo onnetvy tron he Moma Pune ‘onsumerprefereney ‘hwy. fa NF & Panel Ray Sabon orem 6 unr corsrction Nav! Mumba iteration! Alot is ee A fice. Qtocauiry snapstor nn m Osmo 166 Qvowas 12 © resaroes 20+ © irre 451m 2) away stator om) ni-se km |Geanks ss @ cmcay sires 14+ (Palms i PROPERTIES AVAILABLE sectors [ene we a ms tsar ameses | AMR 2 BB iano wa EED pug os = B® 2roH«- 1.020 ca 21.12 crore |Newenweeasr asso xG60 7400-12500 BE 62 tarn ave) (ave) Paw 4zo0acco 2001s MMygrele/folelslel 3