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Pick a domestic destination for vacation this winter without the fear of Covid to ruin it. P2 | Why being | too efficient may not help while investing — P10 la ea) Vie se) Wea) 1) ea Pick a domestic destinatiol cation this winter. Suu e ul aia) bora » BCR) per couple, 34/4 Best tmeto vist October - March ar sat oes Itinerary cm ~ Colony isasprinkling serene beeches , ming srocapetettoreorta oot Secotmambers tne mining SA ecorsamicavax te Sooaen mp ncaa pices angeitinirnoreprecsaretheman ‘east tis Sines Cel nn wot ‘einapasttontotnereaseprotucton © ‘onatamehapeesen coal shorn the inprvemon numbers wilder cedreaisticn tmproversem-TA ‘NuDcwrepon econ 9 ert, 6 petprontisexpected orally 308 0-8 Pharma After roperingsoit ‘mumberscurimgine Iatseveralqurirs, sgrowthraceatpharma sector isexpecelomoderate ‘Sompulve resurvon he USbase bas ‘ess couped with reduc parece Junchesandioner cova reat tke, ‘sexpecuatbaraganvatnecverasee {orpectormance in second quarter." lara However eassrosstegea ‘uber wifook na duo tober roftexpocedomSun Pharma Realestate “Thooutnok erent eat soctor improved ‘Stnlnea ater tat meimprovenentinseuimest Yr Jownomernanrats aro inreasing ‘dmana-Burkorsaroaisutisingis Doss weameup wim ae anaeRs Gurie theestnesenson They @F Soaktataowsave tas years very ‘mun Withmoreand more companiar ooking restart tot omows, evs Ivepickedupininecommercaeal € WA MONEY MYSTERIES ‘cowaraserpsea ta egatve sie temic. Beng ‘erncent as means raving no spare capac During ne as 18 mons we ‘ave arnetnevabe ‘of erin. The snerientae coming ‘tot ms mien eter manne ly ‘eat. When inefficiency is not all that bad In business and in personal finance, being extremely efficient can be dangerous as the pandemic has shown us, says Dhirendra Kumar erence ain aoe Bk. 2 romaerst a shore cttstsnotanenin ts See ne ‘uifmwenne E ‘Over eat re weak, you cod havo . & oureaeenwsnore outa frien omens tom ae Sor okra ons ans ‘Satznsaonceammeeston ar Edstataneopeaaiene Sevmiming nm er wane ert Seti qe arta ‘Rinses ninth ns remeron one st motores tine ne nt ama sana ‘nyo toon it enatapyms obs tnsareoet ‘nope tnesaereinnre= ‘tice merece ‘tice Dyer he Snivewenya een mah io ‘arena nur esa nn taivummecsan There are many people whoseentire ineomesare spoken for in expenses The and EMTs. They have no M ; reserve capacity. poopie isnotearningany revenue, Asa ‘However, many saversalsocarry this wnatestceny Ooay.tmmns Dekmentseunaty ere rin cy tna pane sing hoasteigatsinikcrg, seaniatshaicareaseit "Starts ei te Taltouaiasagoatingtonse, — Shavagcgsciyinatorysncn _Aanloaede Psaapeag Conthisromdtnangninceet” tian ovens imac en omer Sccingaeesistny aici Lancameaytn tows austria inca ase ‘Noneansnqvteromvcscs. wiyourtnanalimetohnesisefnfaneonatthae Aamo iiragtntisnonts weheobaree pre unmealcUewacroatpacine sence yoante Graitaaldetinedoewhe Movdtaiverteweniepeninic Sianorah bem aoe 00 Seca Tlanoastecming ate jatsneteocssage Sih Tycy heataoe Cstortepateakmntverianc thughsanyoonieerae nina ago etre Meyaourarwesrsouscouing” Gaxeeesunteipintcewoas ” aiepsera ora itenceogtamettochraceraoe eau Guibsisarstu Sats, chang Simaninggran onion Soresommetorsepscscio —angncamerymingone aed ‘Taegan ent enn Somiatatmemeorsmsnecsr Secnyaatetngmoce ‘eestor Sieccexquce ireneaeactin ""Unatinay man aviisiaresn Gatos Fermy2ahvontsresk seqivatgatonTearemety—aetncangetaecoon ot imincoentasmecsionsaiic — eaieoemnssetemesscapien yecuastane ae mene Saecmesrwstunas inyaseaumcs tise Snmuwtsessrein esoaepen rovrsiocmemrmersiiarote Tevetoac Tvalietdarin_teifvanem sacs ScyminoeesicUegecoinpras Gincumeweananrpeesasepns. hoses ome Sousmeniwrsteontcan sihunsppnt rayon ‘sringininla faotecihatoenaprtte pal Teatertinneeomance Ratna restactn savneemncascr sion syeuereanoranans way = =, tome, Why you need to be cautious with passive thematic funds Keep any thematic exposure limited to 10% of your portfolio. Study individual offerings. by Sanket Dhanorkar ‘ie, abtCsnaveseea ing asec ands mentee sec, panini Vides Pune Tua SCT DomasteDigtalOpportantistad ‘Fund trae assettact Autonomous Dial tate asset nai MunincturingeT®arvanongrees ‘ngs. Chars. AMCsarelpornete novatetnthepassvespacethroueheaie inenoenuntycameintno nemorpiain ‘anuaoerngsamiexinga ene {ng Win aro managed unas ‘Hotness nomen evan ‘assem nthe passive space. neon Inga Newer tus and ES Stycast Salesian Niny Further, several actorsasedor Smartbetafnds arene ered inthe passvorpry,wakingatase ae iso tematceaveseacaon specifica (euls bron esinesarsgrapi wi (hist ofpassne coring noir ‘exvectindexfunsan TP sarecoming {rough rinigaspecie heme These ‘nae ossndaly idiigan indxased ‘matanstod ome ete spae. Such fndsarotypeally {ined oeqarelnwestrs byetrnemet. Imlscatow many dimeenavoursan ‘siumpunity Serraino tenaue nuns aveeen nett ntsc qecoetor ‘oat ear B80, stl opportunites ‘mesa up vestrs AMCs Ho Sembee on pngon thisbana ‘wagon in napasiesiteto into passive ‘octet, the are oresrezons nth nusmtertuoas arcane eerea inary Category: Rusnaa Desa. an Aare “Cina, with neonsisentsbowingby shined towards th passive sogmart. Hero ‘og ANCsaremovingiwards nom tonnes toxeey the romlsingconceptsbutare yet totais ‘eerste oer ets Inwateaneceatracocond part ‘hoses runesto aden, Anew wave of index based thematic funds are round the corner Tata MSC Inala Domest Select Digital Opportunites index Navi Nifty nda Manufacturing Index: Tata New Age Digital ETF Mirae asset Nitty naa Manufacturing ETF ofr veteran tea ‘ous. 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Find tmoar ne earlobe Yourish tng ‘mortar you ius thon sor ‘mngup son Make thostvoseason bo ‘Ouroysarrive fer unknown sources Intemigtenced sto oateyond erry ‘iy hom Maks anew oe Ime saleaysyourenie andyoucan ‘eeinanymoment Don’t buy illiquid assets like land as a first investment One must first invest in deposits, mutual funds, bonds and equity. “Aniket has notbeen abe tosave ‘antetnastnt or ter ‘much, though heand his wife ‘ea gaia pgsl areclose to andhave worked ctsumseapneannaisa fornearly i5years. They lovethe tenis Heenan est lifestylochoices they havemade ‘Salltitaetsn depots mre! tdarourwilingocutbackon Nena ow Staley Tobe Rescate, hhaveany longtermloans From Seainorlielmhasebe ate timetotime,they dotakepersonal Ttelsseyaogeteasnctoh Joansorusetheircrediteards if !otningapiedand vbosrae threatened. Areatve Sa see ‘has proposed thatthey buy aplotof —_Anfket. 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