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    25 views24 pages

    ET-Wealth 05-09

    Uploaded by

    Swami

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
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    of 24
    THE Economic TIMES HOW TO Weal oe i ARE YOU READY TO BE SL og Increasing access to tech has also led to a rise in cybercrimes: Find out how savvy you are about digital security. P2 aX ce at RS fea ge ty VON tS CII ia Ve Tat US INSURANCE SECTOR NEEDS rey i a \% A ae | eee aa) GOLD AND SILVER IN THE PORTFOLIO? ‘By Namrata Dadwal ior Sharma ree 35 frou PVCU YY a el]: Te Wy Increasing access to technology has also eRe Mike em Re savvy you are about digital security. When you get 1} alinktoopen “fF inamessage or mail, you... Clckon kt inmediatey rt wy sto chek te age ols Domain ook cover sian” {Q Provide whatever informations needed {© Ask tor domination roo and share ony some nto £@ sey that you wl call the banks hepine youset you aver ood complaint wth your tank or requested 5ic.be wary of ay neoming cals especally tase oferrg ew snares caus or urani Pain Do at lane aur Burg even fhe elon clr provides persona nor {ne thes for cgt of yur bane account ner or Ser te of ith or moter same. eres horn fon sorter easly aces ve yoo lor soil mesa 7A-year-old loses life's [Seay einer niaas Retired bank manager loses atau February Sapa Kamar epaber tr a Roy Chowdhury 7 ast hiss savngs ‘wortheatlakh after ecevingacal roma Fraudstorposingasa customer care tecitivena nationalised bank Thecaller PraniedtoheigChowiharswkheating ‘bankokalke lin: When the vit ‘eked the acs ae malwate Done. andthenstoletheriney Debate about new city reaulatinns Bengaluru. April202z: go jer ld retired bankmanager ote lakh within ‘inuecartorrepvingtoamessagothethor Retbankinghad ben suspend, She dict feuhelink nthe messaged submited heck\CaetallsinaudingoT? The woman ‘eelved themessaget tt pmten era. ‘whan sbegottneOTPs she dated the no Iinktoo Between aspmand6sopm fraud orsikhirew oi laehiromier sccm “here ae pery of stores afriend — (Seiucntan passa waeuell) ehowsmene sends you | Ofithiirmuet ty rat) art pie ae ey amailor — Orransterne ons ASAP Shoparfceook mesane MeSSABE —@reny omema.asintormae ‘OTN ene asking you pererae dose enaugh for someone for money, thenyore eran se Bore andehat ni? Ifyou geta call from your Youhave saved bank's representative important asking about some Passwords and details, you, PINS... @ nape acer app on your mobi phone. Ornacitatocer. @oon a piece of paper rat's in your eke ‘llth are secure though Peet ee Digtal aces help to save your important do ments nan ererypted format The government salt fers serves o's Oigoce hat ca be aces throuh your Aohaar ca The oer casi’ ten ‘ete dooringd ie rap. sich Folder La Fusae Fiery Norton apo Lack These ta outs anol be eset ao Spell passed or yeu nde ato business on yur sane, ou {ould opt or pane mae oa, Mos pean {cate an easy tovemerberpssord an ee for everytune which 3 dangerous mse Aster fptio a create nie pass reat st Ife Souyiomi son Sine remembering sulle Dassuord ike is ames! posse you should pt fora passnord anager that wil eerate sar Sasson fr yu, sy bem arass muti ses, ‘Src rote them wan rierendenerybcon stare Oves Ow. wratsinae Have you opted for dual-factor authentication? Pare fyouhavent beens Insngle words,’ te oT? that you get. na, hs its empulsoy ony fe trans nse Ho ‘eve you sui as net or staring er inorta Batons where you ay be shrng norman such Esra angWhatapp Ke a doe su etre Sars hacers A, don ever spor als are You for remote aces fo your cmp or phone, eh I thoy meton 3 eoutod Brandan Seanears ayer to repaapratienrercsey cal ee pace which could beavis that wl ve te your Doesworos a peso deta youre spcus ot bry tncoc he, youcan se VisTtal wir visa on Yo ce fo mana rer Drees. cover S0)//\7 When someone Be calls you in a panic teareeularty Py aye and saysit's an privacy options DT Ty emergency, you... Q ves, and update them to. ‘© We. thave no idea whats that G testoo comptes, Pa ne Cy rash and do whatever sakes. {© calm dow, take a deen breath tink and ‘hen tart working Cd @ retuse to comply cmoleely. Ba le ema! ve know og reas of rvcy pote seem hae Inimioning Br you entra reste, ie Scamsters ten ry rsh te vets and esse te oi ata sat Inge icc unerethey owe ase oer hat hein acount settings. Go hr tase ow can people safeguard ter dtl Feb yeu tomo mest or it ot sentie {arent whatnot wvematon yu ae eves? Ins dent be fren okie ick decsion Ti ‘Serine withthe wore Make ire Your ema Gitercrinhasinovedaway fomjustieusat relly andrea. ae afew mins to compose eof and const ets ible ont flo peaey anise t stao0 Seurst sata to smeone sy NeD youre Sou eve sich mle step an De seer Shutdown sour Pater usina bays Tetst te stun sn ey wnt teem 0 eae wallpoitneyou Sts yourmol pane hiya use fereverythinghosedayYourbani bales, NePrtranstr PPO statment omens ‘arden WhatsAp;yourmabeadetr sappen Fraudstersuse new SIM to steal $22 lakh sSurantndinaathowbonon. Msn Ang 5 istlecomproviachnatod!——_Soysumedcummretnveretn ot Suunto therarecmeareamstoe Fistonkaccoumtaterautsers eoehatingtheSiMoveausehe —— sandtherequreanant ison thei Detmlaceuateames eeaingmeaiticggm eboney tre When you're on SncemShnancannce'™ faulstndthcstytse® ‘suo ir yt vacation, you share... | tain. Wnen A.A Shalcoutacted —hanktransaetions [Norton 0 isavaiableforan annual char eet ‘nly ewoforirwedevcesandassovrali ‘nlinis yest inaSMS near you ‘hore'sanymaleoustrejansorspy waren Ethe You get an SMS that electricity ee bill has not been paid, and to call wnlewinesporonner mane © Photos ndtrip deta if you want connection... ‘eraglnlanan apvenhetrponee xt ‘openly en soll ed ‘eos neve pa these appsandarentaware Frautsesnowatays use wat’ cao © sire shtsenasone Oyoucat sec coca mareerre can rope nsmne _ibeperaianathyav genta an You ier hah of ‘medi te tens et ey et ‘ularegrenses tomiorbon carers eames Qvovusesnamme | Tepseteveepeimobresengraemal, | tartans Whee @ bunt anene mere Thuecterioenene QT BERS Toga ace heyy ann of cme, souresnago terumber Information fancal gan tse asusrte pe areca — soufeeas yauren ure une iseance snmeravionte mek er Ch id ivitassoun ten Wepesinon owing Tohepachek on au Rednerentathelse misty be shmlddownbadanay aber wert rmey/smoaete arith resort chang nae ssh eresen nt uranaly _ivaltngyotoaliapyeaav aces 1s od eto cre pete Guawinyousnaayiserganay ate ourmirelone sens tron or arsso thy cn ‘nomatnthey ant feepanejeonyourhane ta eck _wnatare he bie Dont bos tat poole {Sri sSipoleatviy > ‘ould iow one? Bice in won - arn Date donot yoy retest Sagi peg 28.8 lakhlostinelectricitybill fraud > or neritic: ‘Eclindlcongwtermaton sok Chea A Juy212:Pain fait hepap manana alepoese rogtamme otha baces sree youre yor or Toonernst¥slikhiists Sekt Pynadanoonid Soattya board Wena yor Bre or yur aa ane Ghetairctiatintinan apple Ree Assn Josrocrd they ohn tengo loth can beta tack Ginctast awcbyialan Sihetownited spy tne pacar eI co as ane eee as “aaah Savvusabet ty hat [eigulmapeningerd uamentdeasmordandtran- sn at ustere'y efeyoseectn, ach tosttse you eat Sippy weuldbedicateced, frredeatiaitrontis bank es bei Aree Gree nen keds or a ‘Whonpecatlettnenumber” scout Lucker he Sin eames qrtiotatanap Ae rem ter Eres prey aarti bean) satin ccneactocaeeataeed Linkedin andreachoutoyou ita ea len cela, tk ont Snpiorettnectrcty” — anithemoneywareredied Goleta outers ai fomeoh eesand apes sad GqarinenHeorereats ——_aktohioecoun. SUNDARAM CONTROLLED AGGRESSION ‘Sundaram Services Fund is a well-diversified, multi-cap, multi-sector fund investing across 15+ sectors. So fu CTR UMUC RS GO CaaS Le Pacem ce /SundaramAMC ‘9 /SundaramMF © /sundarammutualofficial + /sundarammutual SUNDARAM MUTUAL UNEARTHING OPPORTUNITIES This product is suitable for investors who are seeking* ‘© Long trm capital growth © Invastmentin equity / ‘equity related instruments of companies who have business Predominant inthe Services Sector af the Economy. “investors should consuk ter francial advisors itn doubt about wheter the product issuable forthe, Mutual fund investments are subject to market risks, read all scheme related documents carefully. SOry cover : Youth tries to claim online prize, loses€80 lakh Woman loses 3.25 ox 0 anne Ap Ana chacTe athe lakh to‘NRI groom’ Herecevedaserstchandwineard feward-Inafer mons imehe Conmaidnganoniinepurches the endaduppeyingteoakhsntoa) andar Jy 202 Asp year lt pee oa a (eendlar,ISE ae a ahead Atersermingthe—torveaiing fod Sourioeicaré-hefondthaehe had etm wascaneinoao pa th ‘wonarewaedfeasiakn Whenhe Migeatmeane withthe promisett Guiadedtiemunberertiecard, Uwoaldberspaidalong witht Ihewasteldtopayezavoassercloe cashrevard added thle, Frsoster posingasa US resident, wham ‘hebod metonamatrimonialsitn ‘gst lstyear‘The woman cle ‘amanealod Ami Bedi ta prope tonerandsaidhewouldtevisiting Inditson, Shelterrcened aca ‘omamancaimingtobean Alrpors ‘Author ofipda oie, sayngthat _Amithadbeendtsinedethe ambi ‘attportwithexcoss US llr She was Panaecataeinan oan ‘You can call national helpline 1930 to report a cyber HbFCtank account When hesasect usm ma Sarteddemandinzmaremony. the ‘etn ealiaedsbehedbeendupedand edscartan What are the risks pent shouldbe aware ot whl rng an appr owtitatlany ectamlestnin youre ye cotp pvasingtieysreray Sre ‘Area cow in tw ‘eanne “ovalonediobeeyersmartandl tee Uhingstforeyoutnstll any app ortotthede ‘oper: theresa andthe perso Recent terreno Ins La 0 {hoselnsenne with aeintorets teats ‘tort wen peple ert unableto payback ‘Norse theseappenul arcsec your aoe and copyyourcontut lst antphto. ‘entrlonalldvies ThistelpsyeufleroMt BR. RAKSHIT TANDON, slsoeotolsaccessjeurkilsmay navctosone EQRSGRRAT APTKTEANET ANS” ‘ines Last yer aibyeritoy inkl MOBILE ASSOCIATION OF NDIA ‘oni ilakhfrom birmotherhankacentto DiavPUBG. Around thesame tie, a13yearald SiviMAUPsChhatarpurnangedMimsifferhe What are sme ofthe basic tools one should spentewopWerisparents eoney nanoniine haveto be moe secure nthe dgtl world? {tine Punsnved onateoutntconteant — Don tuusteersbing notaries, SouralIseecyomakoafkeproilesoyou hat precautions do peopleneedtotakeon —naedtokusw how oUsedasiOSINT ar"Ope social mela? SoureeInteligence:Frinsance when Nowedongelstetsharentingtbsedays _comoacrassamatrinonial or dating, Witnuteheekinzoorprivcyetngs Sameone fry oder oreabautthat persons ing fouldmorshyourrtniotoereteasinapaopr areerseimageserch Youcanupio photo You've met someone online andnow they're coming to meet you, so you... @ are ented and have iven hem your adress O tiave checked about them from several sources sts or oon @ Have agreed to met them aon with rend sta nectal lection a fonsder tet onhene feud and romance sams Secount forthe tha het esses reported by ber ‘time erations scerdine oreo by he FS Internet re Report 2021, youl roby pay abt Ire stenton Whe the pit eyes ae ae more oie tan eine es pay cetecve nd Res aT dev ash sb hen oo Ae ence a lear egal) eer eg peer any infomation about ysse ntl youre sie ‘lclckontbethumnal wich fae or waving com viansareho, iat a esr that ou ose yo nd are ee Oe ia) {ats al ens ta you hs ayo rene ae outset bekseacikethe show ouelatedmngsorthosetht eta ae ynenten gate cat he eather sien Fectookiodnpeeeandskeyouttryar _— snllarlookngemsor pope Se no oran ameter $oumaynetpavatonontosmalldctalls The Whatcanonedo after being the vicimota Irencomoetey Ickorwillusethisnirmeyionolockyouct — eybererime? dforrsoalmediacoust paachagto oysters cenesen ‘suhenyoutrytofindsomethingonasearcher- workwith banknodalatficers,andwhen there's Fing2Ottmremuonoediopettaovninbe fap Bi knp nin Ga dig money te. ‘restoathetpotseaehresis.S.tmaynot _elstastandthehscermay hae area more ‘rnuneone.Anditheyaskyoutodowbadany accounts sing aks PAN Aodhaarcards ‘ppertenl be suspicious whichesnbe diets tice, navi mutual fund Don’t just dream. Invest in the American dream. SCAN TO INVEST stocks from Ema arabs A\ City gas players to gain from higher allocation ~~ The margins of city gas distribution players, particularly IGL and MGL, are set insiorm to improve as government has increased priority sector gas allocation. rani : mrvinitnetey_TWE€OMPANY'S REPORTED 1m “TWE COMPANY REPORTED sons "Tw COMPANY REPORTED dcont penetratonandbvest_ ‘St quater of 202223 were 12 Inthe starter af 2022"23, of 2022-5 95 epased onthe velume {eat ot gs tothe urtomers Howe ear tracion tDriener orcs os consumers eer Teeetr alan ett bunerom Invoumes trom CN tation n rowed to altorat ul erent peracetic wer Mumma! and Rlea. sgnicant propane of ano font pn liestento thn pron | tooorunmiesincNG pantraton = Somes AJM increase to 4% forthe secon aaa ‘ramp-up of new geographical areas margin recovery and attractive ‘momentum to sustain inthe mecivm vn brovie strong wom grows vi volition are the ey cota {biongterm le by risen gs usa by ity inte are Indus tonsomer. 197 | 420 | «7s | ast | 873, m2 | 463 | 316 sepa res ee ee | news ®A MONEY MYSTERIES when youby an Insornce poi. vyoupay acer amount and you get somecombinston ot Wecoverana tre ‘of imagine each patel the money ed separately and ‘was pal separately coring to what t asus. How to actually reform the insurance sector The proposed reduction in insurance commissions just draws attention to how absurdly high they are to begin with, says Dhirendra Kumar. AE== ‘emp dwn en ‘his thes the iohestsmmisen feomthecurren ak " Therssalmoapropoal fr commssions ofthe policy tenure, Thiscaul,inthery Bring tsne hvenstmertors lone von tne il tel Ofcars, thee ae Aratpropealsrian nom andeedbakean ‘nlsiomaveactully implemented. en [every customer had enough information, then insurance reforms would notonly happen easily, they would be hard to avoid. However on thingiscartain. Anyone ‘Sonsor intermediary ss ofan kind anyother inant service always france Inconsimerfinanialerces be ‘ile dtm tthetnterestethe, fice heyarellsayngthatacasretcton ‘iltetarmtalforcustmers insirancesthatewsnmersdo net kno Sent, Tope gerotosblack broes ee te eorainanenaotygsone con ‘aheomtttimaginettenchprfce Ina tht ope wns billed separately iene iach tnetconpaniersndapntnuihaes crvtecheqotor ik andinmteou Thera sttomentshowingthateo0ot totelnsrerserpeaesanpe chen ihard Hever insurance customer inthe {nsiranceeerms wold nls han een oy wouldbe hard avl. investing Neelesh Surana ClO, Mirae Asset Investment Managers Howare youreasingthe marketre- ‘Bound? Does thereturnot FPleset the stage for bigger upside? Iormaest line Dept inset Fiflows rom urrenrliseariows Otho fuljectaterign lows. thee forse pata Indies, White pict ine nls Senangou heradar on Inclusion wb beehorthetaed income marsala Isthemarket not fully acknowledging Dossiity of apaintutrecession? Europehave ineroase given sional ‘China facing pressure pounsin the pen Desptthe hanging intel macros. Adrien ysnor even tree Thevlanee Set ofeorporeteinda nding htt ‘Thetecetslow or large setrsike ato Innprsatedtomanufetarne denby Pete Tho onsingsctor lst ‘ona, blchslongyttnbghoadprces ‘oalhlpimproveerural demanthich Tae consolation ifvouring iste com- Inthesaipesector. Near ‘erm, stability ener ons. \whatarethesectorsor themes that appearattractivenow? torsand isnot conentatd ate sectors patticlarvaitos sober Do youreelracentstrengthin value theme can sustainfor longer? ‘stock specific a wil bedeien by merit ‘Should hehantedwithingronthointod aleses od vaustin sul notbe Ge Sooke, Acrossour orl wehaveabut “Large part of undervaluation in the value theme is done” The earnings trajectory will remain steady and investors should put money into equities in a systematic manner and keep expectations in low teens, Neelesh Surana tells Sanket Dhanorkar. Howis themidcapbasket placed from a3-5-year perspective? tealight acount dheXiNs PE multi ‘times intwoarotmigcapecuresty Snape ape heen aloston emlena Stoedbusineseswitheariyaentfeation haatwinbeoettsothgher earnings oth binsionofthe PE mile, bse thint tenet the Dunyespermaretapaloton A dead ‘Both Mirae Asset agshipfundshave Seenmaderationinreturns profile. After yearsof strong outperformance, {stnemarketcatening up? ‘her’-enr rin ft ear tine trames, ial gpodsandnrastruturenamos. Also, shorttermearnings geting impaired due {oepecfchetestikemargin deena Mont theeracowns argon, ‘wnat shouldinvestorsdonow steam mutual (0:15 Do you needa goldand =.= Hvis AMC. asserts Investorscan lakvadventageotgeutspropersts silver combo fund? oe Pteantsoucremece Gold alone is enough for portfolio diversification. Adding silver, which can be nner extremely volatile, to the mix will not make much difference for the investor. bethoreausmetalinte er ‘Sielieraer sera by Sanket Dhanorkar finda wlinestinamicoelt ana "oth pldantsivrarecontedas cxhibtsamildpesitvecoreaton ‘Taehignervolaty salverand ‘lowe sence than thevelion cenit simiarbetavionasotherrise ‘Set dou'thelp the potion Times fers eperts maa [itcenicet sendieersitienien toon snips rma, ‘elattaary mayb observed oy {snore observes enon “The ‘etge tui duet unprecedented "ongethers Inds ed demande tepacecteconomic acts poitsent (Chirag, c1O. quantum AMC 1 Aivenrali.vastlvontportrmingsld. 07%. Butthelntervoningyeershavescen nottakeanytetcleals—feeoaring Imonctary poly baste head silver and god prices tend tomove dif ‘the two commas By retaining ‘ailingpece rends. Whenasharpuptick _siverasaiversifiation tok may not be fren Tinttsersarencthen Souaatintoanracentals,Ineibercmapayaortinblnce "ie nano rina feldhasyiedods%,siwrrhasttenedeptrethisdivergence neem iil theestperormingeneandtuytheetber feneatveprcesot gases Yar degtedacage ih niction and teartited purely wild ier ar vestrsshoud reat ai anse 25 Goldtends » -». tobeamore | ble diversifier than silver Siver exhibits much higher volatility and can that works ttc eather than evenmove intandem 230 tn isassets, nity s0TR MBG sner investing What is your investing personality? There are eight different kinds of investor personalities, says ET Money's India Investor Personality Report 2022. Whatare the eight unique personas? STRATEGISERS. What are thefactorsthat = Whatisthedominant _ tbe leit se play partin shaping an Personality type in India? Maenoremind? 35.25% EXPLORERS of eee Smart and sometimes over snes ae confident investors whe Stele axe bein take quick decisions Fi SEEKERS Risk Financial okey an hungry for & koedee uo ake teen ey 9.55% caleulate rks reseters é @ Ve 7 57% ae Se Abventuers ADVENTURERS are Analysers, ) old risk-takers wit a 4.36% Obese A anne oer Loss confidence 2.60% sindetntna ANALYSERS aversion reves arc onervers nen Suckcous isk aers ‘neuen unenNNeEN OH MME NNN NRHN inno can sce and Whatare the favoured i Sie data. modes of investing? 70 100 RESEARCHERS we Lnesun an 1S THE AVERAGE tous risk taker ree sip Ip INDIAN INVESTORS. ait SX PROTECTORS eet Humble rik avoids ‘who want to stay safe. [/ \ 63 spe spe lump OBSERVERS fungus 67.32% IS THE AVERAGE RISK Spends time onthe 59.17% SCORE OF INDIAN sidelines before jumping in INVESTORS IN A RANGE OF 52 T0 81 @ O © CL How can | help secure my domestic helpers? You can secure the people who make your everyday life easier by helping them avail of the following government schemes, says Riju Mehta. nna, eave the hairy fem Health insurance 21May Te preitmot eo) years loving domestic workers no Yustoudlbpyourstatbr tuys delueddum he counter fanimproverent inthetrfaneisl —Youcan plektram Avushman ara also companies any ater general su Sauconopthanbysooniwaikngthen ona Thetormer os soe Lifeinsurance hutalsoenabiethemtoopes bunkeccounes, ef an, withallpoexistingcondiionscov- fe insarance through thePradhan feethem feonerot apnea pera year Bank account andpreexistingdiseasesare covered The Sstenewable The annual premiums Yoncanhelpyniedomestestatt _goeemmentcontbtess of fe samanl__ Seti whieh eae deter Fran Mant Jan nom Yorona.Threls ayearastenoealeretetraton oe ey tile nstranoe fomlninnbelanstbnantined dalle ieee Schanateountandaceountaders get Personalaccident cover denser Regevdebitenrae wll 7 ae ‘oembnipthen psa Iokhocelent surancewin RuPa¥ card, eldentandlsoity cover Pradhan ant Pensionscheme Showerdratbriliyupioelopo0jandare’ —Sursisha ina Yojana which ee ora The il Pes epi Slieiistorssriosesyteramantsshemes| eminent Thess sibetor it provkiesragularpension ser savinsroudasy forparladisbliyeovettom duneto —alleavingbankypostsfce savings Seemncsceserae” —— minmummonypnsonat 0: acquired property after e? Can my father’s two brothers stake claim to hi his death ifhe passes away without writing a wil ‘eritngawill Only claellgalnirsocaing iwi drenand mother have thefieclam over the property i qurtin. Mynusbandnasabusiness | armymoneywouldhaveincrearee | youthusbandtoxees ior seusiue ie Spufcantyhadiivestedishouldt | nas lakentrhim inthe fics pace Stenimtoretuentne moneyattnerik | “Tt noweversedonatwanttounsst Gtsourngourrelaionshiporshoula! | yourreltionsip ether sugoesthat | Please advise eerreatacreHessidnewous | een? eines amount © scatimmennnesttt Theprofttebusinessweuldgener- | Siceyouhsvenowritenagrement” | foreileersgolssfauhavekuts.oe | avi hseass egal hls wllhave ‘Count igavehimeaSiahnforhisbust | gall oreehimtopaybocktheamount. | inyourandkids'names Yeueouldalso | property. Thase would include his wie hess Fiveyeasiatertmstiipaying | However soustealdinsiathereay | aakhimtopay back beamountinin | chidewnandmathee Sine eur undes Saysthathemeneynasbeenusedin | whathesars Sincetberelbonsniphas | sumatanego Youcouldalsoaporoadh | Deir and ence, Chey cant stake thought wou fKclemotonalpresiecesuitaiout | adviceonbow oon! backer ‘ckingortheamount your hae Reet forepaytneloantromtnecashinmy | earvotmineyandjounaveers Fight Mytaterpassesanayrecen | Sermowly mane tonnes Donkaccounttatinavesavedover | todemantittark. Also donoe rep the Iyondhosseveratproperves | Stes ae nai thepastiveyearsfettasisnotfair | rmulngloasyoursel Anse al Bovgntwithhsownmeney. | Saoco3astselnny maar meee financial (nity Financial aspects to assess before marriage ea Rr les eds cat ug Eee ae UU kL ESR hs Sumitis 28 and has been workingas are search analyst for the past three years, after attaininghis bachelor's degree. His parents have been insistingthat he getmarried, ‘while he hasbeen telling them that he needs, tofocuson his eareer. However, they think that hecan manage hiscareer even after marriage. Currently,Sumitlives with his, parentsand has been contributingtothe {family's monthly budget. They now want to shift toabigger house. Till Sumitstarted ‘working, they had been living.asimple ife with Sumit’ father being the sole breadwin- ner in the family of four, including Sumit's sister. Sumit likes the good things in lifeand ishappy tospend his earnings, after alocat ing some money tothe family budget. Henow wants to buy his own car even ifhe eannot buy his own house, What are the financial is sues Sumit should beaware of while making the decision to get married? Ingossect fer nes and with entrtens PAPER WORK 1 Reverse mortgage Baars sce ore morass with ak ich VS Devos tmmorteae dere ‘Who can avail this facility? ‘val the reverse mrtg chee ‘ect them shu te €0 yews of Sepor more Te hats lobe ma ‘ed should nave ares ite ‘opety shoul te elf occ bythe ape ard ror eto. ‘Soul aioe re rman eat Claims ex ert. How much loan can be ta availed? end on he prevaing {hetinea! spre rte on Met harcore ee 9 ‘arg 20% on isle ar Scion ofan on theta 805 How is it disbursed? ee (O8) icoiea =eonrennee 32 Points tonote rer on ke Sno revene morasee +a pan tesa Hee ome Dk financial | Income and expenses of NRIs Though they earn enough to live comfortably, there may not be enough buffer, says Uma Shashikant. => am Tae ‘ofall debt oe. Twonty ears ‘Ourthendsogan tel ivesas nce em Tepe inthis emo sents fens kodeidedonttohaveclen anther ‘eres be Tha ele ‘ocmetyar keep, hugh eee tes asta tame ‘They leat ror he waighacete eaten interests abe odon. trentingas loans wereeasily available. Aa toot decided oan own carsascarloane were iiimeledtoa eter eeiseore That ect Sothosammaryothrelvesisthtthey thetrchildrento US ased school, [hea traeitiedthesedirences boner choledestim and ity Jon percentage but therolenoloadotether nthe cresofneenea bem ape yes Tete nd etfurtberesedad tte "v22 things dette better move ahiosumor daycare Buttheyalsonewdad ‘with apod schools. And thusthe took an: terinvestin ope tie rein inn Tey Incline a honloranivy League School outot . Steeamputeascao thot neede tobe done hiss parr Paintnsncsach thn wasn hel emeonters association Everything de ‘nce premise ps as your (var | saidastop mune 202 fr 728 Tat Theshop was bout Inerintorcn 2012 rare ‘xpenseso 4,00 towers stan aut ard 8.00 robs ore igh sles need te ‘uns ter 13 years Pease otek ‘thot uns evel inet int se teatlon hat wal elon ee ect returs My isk ‘al a anal mpl fein. Can invest ety on {hes itor any ther eens? beta other nama he eee eauaseeeceneececlll Our panel of experts will answer eden eee ot See rate at ssl ace : . by deducting the costo ccuisiton questions related to any aspect ‘Asagrandparentyovareeighetoin frome tulvouroftiecomieraton of personal finance. If you have Cestinmanesonbenat of our (csteanseeatenene ste nate Innor arrose inchiores tha theipser velo! ther tes a query, mail it to us right away. finds ress nds one ‘uty attest estan anon. Iboregoyereredor seb area {hore rte oil value receive fem QUESTION OF THE WEEK ‘Aart from these funds anecan make theses beanlredaaes con trvementsnmaaltunesontetal Seaton he puose of ono Crammer btte paranoia tonof gars We wresnrana 28 ths Stmuseiner bes nt gaan hia testano tv ‘1am a 32-year-old PSU engineer. recently booked {ter ornate or scurt apsanted Sythe cotton sa che plot worth 790k, fr which need a oan of, lea euardan esi ne rare ao a £36 la, with the EMI of around 740,000 starting Cherie tat sve orn pubese of cavstion Peas Ef ene 90 Fe Scountanamatre eres atthe at 646000, Sch cnt ae ye drow uns mens sans maoty ShintonshalSe formes acide ‘rom my savings and¢16 ah from PF partial Tareas {erneiniaton eosin withdrawal to und the upcoming instalment. Ferro asics xenon tm col gains Will start construction ater 7-8 years, for which Srus manner oy se es andscn clare peer rove ould nee a0 lah. corenty, Rave 111 "ar gles arsine irene dearer ery yr rok nea 0 coment arects ingatberesimrapratie nce Toe ares Bre (rote is owl te bone arp Ingsokin cal nd sos net atacustion waidoeeing5 7856 ‘otal investments/insvrance outgo Is £25,003 Soureaoy enanetneD 423 av ‘orn gto capt gan sam peas ¢12728572 (2800000 1525478), hie wl beset tot 30304 bussppletlesucareeand ess 648) Further deduction muni Ballaesisrot alowed asoxoenses rant. 60 not servi an loan/EM at present para Soar pea Ganuse some portion 25-30%) ofthe ME potolio finrconmeceramesrartanrtt Sd some amount rom PF atthe time of ensue. forearms el eel tn. have one IP each in arge-cap arge-and Inpro eerste so wren rie-ap text eap an smaleap funds. 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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. rind Bok 1 we 2 Coat 3 anager Ges ‘ vessco 7 ‘An Pons Sez 9 nina 1 Dr Reco Labrtores 12 Toren ohamacetins 15 Relanemanres 7 RL Loess 9 InBintaDeveboes 23 Ssymchow » (ty union Bak 25 Conine Croorinde 27 Buestr 2 Endurance Teccepes 33 raat leone u Winds oro 8 GuorasatePevonet 36 yey is 2 (olan a Coramand inerrant 83 Ines cas 8 Ceasanitryeae a7 be Ltexcerces| 2 Greeny Inds 50 « e780 19245 420210 256040 1590 ue 18105 we275 110100 21980 2590 22000 ones 1875 sgarss 19200 1586 ans 1440 3735 370 2982 298 uaa 26 1749 won cane 27 288 87 2081 1932 2487 233 a8 239 468 068 368 223 a0 13 202 as oat 620 406 im 00 om an ov 10 37 288 059 558 ant 030 129 om on oso ous 2s 00 150 an a ar 136 us 206 im as 168 093 139 on 058 036 127 106 us om 116 o 4 2 2 2s ” ~ 0 2 38 2 a8 $09 158 130 a3t a6 38 463 430 ry 34 @ restgrowing stoccs “Top 5 stocks withthe highest revenve growth (%) over the previous year Least expensivestocks ‘Top 5 stocks withthe lowest price-earnings ratio = | Best PEGS op stocks wih he et prke earnest growth ratio ° | u dust Bank 6 Income generators ‘Top $ stocks withthe highest dividend yield C0) —_—~ Leastrisky “Top stocks with the lowest downside rik SY, uuu Skee lie coe ons smart 25 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 eauity-oriented hybrid funds are ranked on 3-year returns while debt-oriented hybrid and income funds are ranked on 1-year returns. quence oP ouT-LaRcenMoCAP rour-rutcar our mince ‘qury- vaLv omer soumrv-ess a101% 39.92% LAGGARDS & LEADERS ‘Taking alorg term view off ets, here nese enuporteteacsiwertnvesin oe ‘elaervestnatmay Bes argon Yor port, En Equity: Large-Cap syeirrurs 676 MRE 106 i arr Droits cer tment ee ee Equity: Flexi-cap ses 52s a 1017 767 02 ae | ee Se ener Bion a Pant le tym oat | tet 3s | seman cat a te Se tm jon aa) aes oon) aamamnn ee Onna te | 790 seo | tao oat | tamatna iia rane rinses to a ea sae cates S70 ae ga tae amatna cor ae Pei to ek bones as testa amatan rest se neo ps | opoe 3a tas tat tamanaa rome eae oan te Sess taas | azamaena = seo tae — M50 | kos ttat | 7hoer2 meena San SBI Term oan 855 805855 150g 2022 i comme ‘are Ve oases aa Gamera ‘come fas | ane san | semana Top five senior ci nao ey to tke ao ants cae sanrcan toe tee tases panera a caret = foo) sao aso | tauyaere =o rival oo mis | ato a0) samaena rome vans va wm Your EMI for aloan of = lakh mee 7 ae ime set o m mm — —— aa i a ry 7 era 10 tan zone su = = toon yo tet aay a os =” ves aml! — Postofficedeposits z Top five tax-saving bank FDs aa T= sia 2 retorinweai ene egy agg OAS So 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 different. Gold (995) (z) Silver (2) Platinum ($/troy ounce) —_ WTI Crude ($/barrel) [13h ievaon| [aterm sseriion| [REPRE stetaan| [Satria alee CHANGE swe 3.23% iwex 6.91% we 5.43% ime 3.73% wean 6.62% wan 17.52% wen 16.53% wwe 30.56% PENNY STOCKS UPDATE —~

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