Tur Economic TIMES BUDGET 2023 WISHLIST BEWARE a td What investors, consumers and taxpayers A want in the coming budget. P2 cents be os Nt) BT a lagi ete | DT) Lat ans bry Gey Cle BUYBACKSBUDGET 2023 WEY PTE eR CUS U USE I ECMO Pe ee ill allow higher tax savings sagnant 1,600 | 52,000 6200 | 76000 sere"‘Aegon Life nsurance. fecaton inter Seton a wast Since then.the cost inflation index has "iembye50% ushingptbe sn Experi heelsa compelling Seta a(CcDIDyandae50on0sard ateaste2Slohtoprordesorvereefto Festinger axsengsefuy thee stores nhc song’ sys Viva Bala Head Research, Primero Parity in capital gains tax seis isacamplec eb, withmuiplrates "nditferetrlosforvarions eet sass 1s without nenclon after ap yea Bat listed endsare usin trestediferetiy tanisarereearéedasiongterm ithe for rota ifr than sovereign Afferent rom piysiea proper Expertsaey the buget shonldbring level. taxroesand ling period criteria (comply tates erie) only partly swuityfndslat ea, But Ulipesillonoy ‘Why shouldaswiteh transection ina uctigivenpreferentialtaxtrentment over ‘Onesholnthavetodea ith ehroedit Rrentactefuntulaforthe cans ei rulesispeeded "Bvenwithin asset classes, “There shouldbe a separate bucket for life insurance policies. A separate section for ‘term insurance policies would be helpful given ‘the huge protection gap inthe country.” distinction th iterated antes Purter somes hataxreesoeo88 xsl clans uso noe efecto ‘scald tharbondinvestientsarebesthoit Capital gains tax regime is very complex cover Siar ‘Thre re cere ates and teshld pros for eet ets Pe ] ort ectacas | gq | memeeear | No eave ces ve sasymtisicaty | siaprate | 20% ayers | ves cette | Slabrate | 20% ayears | ves service | iabrate | 10% tyer | No foie | Slabrate | 20% 2years | Yes 10% organs stn asx | imewessorel | ayears | No isch ‘olserr gue ors | sabrate | 20% ayeas | ves frecifne th Song os Siabrate | TTaturtyore. | S¥ears | Yes ‘ye Term plans need budget push “Traitinal plans nave very high emis I faa ayers vermcomre) | $2.22.an Arsene 1200 Cone semaistoeian | 103m Separate deduction for plans with 200x cover G Even plans bout by older people woud be elle. and offer very low cover 2 2 years, Acer 11,382 80m: TR! @ soveansaayeanssayEans deere" | 14,352 | 17,907 | 42,476 Conrumutieatpenin | e80times | 558times | 235 times “terion thetwonszetessesencone Varied period nrecolstrancing ‘mt. 2end years touldbedonw avis Trovearsshaldbsinedseeco=s ‘equities intredaved twosears apn as lane owe. thasetdarspenod eines ‘nlm reno, he sawed oe fetmeapial gains Indeaton gjss thocover foretheataltesibbits-Thee1 skh degocbn wlleertaniypuchmorepeenaSinewedanthavoany sca seu Scompionontiagtern ganstromeqses obaylnauratcebuttisdeductonsaiid cover saytaanect Ages Pers Le Someutatconpensiteseqityinvstrs, beenfoeporeprtetienterm plane Jst_ Instance “Penn and ann ncame Dulthaenlyhepesoaulmeturs ica — Uhetaxbenesunde Sedan IbWUD)are—Souldbemade ax tee ean Intersientobringintheinioraoaben aiabeonyifwcoreristimeathe ar paleyeers.ors actor prin: stitendeemaee the extn ‘mulpremiumthopowdedstionebould_plowpeoon couldbeallone concurs Deduction for pure term plans Siss:xtncsteannsteniens A Putahigsonsiy x rewitaena Lieinarsneeisapoplartaceavingin.” spartesactontctermpalceswondtbighsaingorermenttinances nse, Strumentbconseitissadchataybsin. Rlpfuleventhehugepevtectiongap inthe amoreteasiietnn wuld betoInase Sirinoetgents Dateien thelangrcrontoaintry says Vighnes Shahin AI the deen ner Seton MCAT) ‘fortonsanderSectiont0G thelndusty — €E0, Ans Federal Life lnsre, ‘homes toel hd The NPS cen fnen."Ourgaramoureieerethasainars Benefits for pension products —sinsasinrecet nti. Aserdine Deentolnsuremoreetizensanensure Thelnsuranelndustyalsovanismare (oaCrisstoy the AUMofthesebene as Teoducesaseparstetaxdefueolimit tealtoadieavehangethewey annuity Wanttelrpensionpinstopethesame SysTarunGnugh ManagingDirecarand — premiumsalredy pathroughtxatie separates pensionso" 5.000 (oh Allan Lite Tncumesopersienshenldbemadetartive 000 tolevel he paying wi hNPS “Health insurance helps inoverall economic development. The deduction under Section 80D should be raised from the current 25,000 tocilakh.” . and also the “Borrowers need for it morethan lan Pre-pandemic cover needed interest on home loans inmetro/tier 1 cities in 2019 ina year. The deduction 25-10 lal should be enhanced to:5 ee lakehto give some relief Post-pandemic cover needed eo eee ere in metro/tier 1 cities 2022 Brae hese, -20 lak Home loan customers need relief As property orcas oar and loan amounts got bigger deduction of 22 lakh onthe interest isnt enoush Heres he math for a¢50 leh Ioan at fra borrower in 30% fox brake nes | aan | aan Se esa) rayears | 363,21 | 1,63,121 ee Health insurance deduction ‘hesuneesnhealthinsnrance costs fdmirmeantnecurentddton tesan0 nde Secon is woetuly terre Anguett and Angus, ‘Bese thepromfum cost shisherin Alvandeleriy parents says Kristian ‘amachadra, MD andCEO at Naupa More sops for home buyers Croctninsing ye Tesh Fateoftemloan making ait Rorttin opcat tne hone Ioan ntretrepament under Seton 24 cvona easoaniy peed osecasts mare theesenptn tats ah ea to rs" savs Vivek ath Director Research, ‘ight Prantindia "The Bae sal ala onder revi. Ingo price bandwith formes oa {slknor bl sar tole inact ike Mumbai whee ltsholdbelneeaseto, tusiakhoemare Inthe major, the ‘aalifyingpricebsouitbe reas byatvinggheretiesto bene ans ‘Research apd REIS, JLL Indiacover Siar 5 ways to make your personal budget work Making a budget is easy, but adhering to it is hard. But with some simple tweaks, you can ace all these woes with ease. By ra Alok Puranik, iotnomacgesea eomatcloly ‘ulkout Agar fomtanexpectedsitutins, ‘nshopning vacations. a ‘hebudgetsnes frac t feisdieuotinia my ek maferanperwenke anbeipyeasiaan tenor Sor sommimnent osm Coa le Ta “The internet fl of thumb ules you an adoot to create abudpet There ig0'50-3020 rl, save atleast. 33% of your income’ ule and many imore putin te en, your budget Shout ret your untae neds and olries, rather than echo some tera fnanclal idles Dot ‘tary limits you canat wark wth Sustaiebly. These cana est serve Heaarengpontforyeu to pisn stn every cays ese to suvial ut a dally take-out Ise, rian? Your francés Ityour present income ‘Thats the ference between a need and watt A Rea reals [Gimoest iis kl that expenses get denies and accounts or bth Make separate roses or wiltove a Diger te hle matin, Your basic necessities and indulgences Ge firm arp ave theater 2 cnstous che fr sans, aon ‘Youdont realise ut thee thins ad up to cute aft) sur {ee same ntemten tations. n “Tha regula Zomate or Signy taeauays fring your avaur ashes to ‘the sare veins your income gms yout doorstnbut eat away 2 chunk of your cae. The multile OTT nd your capac to save rises cont Subscriptions may ocastonely entertain, but use leak In your budget Bemarred to some ‘deat savines antor these spends ike» naw and sale back reasonably neeee, umber you pike up ear Your Without depriving ours after als neessary ft yeu Ral dn, Susi allows ep bevend that ‘nce na wel As Sonesn Deh, aan pine ois ot fips tohave a separate itty for al you major warts Plan separately fr your vacatlon ad purchases beyond aera imi, shat au det ‘overs the determined amount It your household budget sto rly work you ned tn vate your loved ones in every pat ofthe proces. Bring every member of yur howseald along as you denty ana pln Tor various expenses For stance it together a en the Site of te pot fo family acts ie weekend getan3ys, moves, vacations ad eating out Take the vids fo conence 8nd show tem the rst to work thn the contours oF your budget Reward tem mith fun atts or top-up. ther Dacket money for score the olanned aula. sonecne straying ary geting them on tesa page with a touch Further fscrteal tht youlhoep Your spouse In he loop regrng al you vestments rears Preis) ‘Do not teat your buaget sesetinstone Thats) Stree rece ta sing your fp over i and aly your Batlone to persst ith {eth budget evolve as you po thoueh evry stage fyeur fe Yur income andi gals tay aven Doin should ude you Savings and expenses. As Pune sed financial planer Seer amor asets save andspend inne with bow You visaie yourlong ard {hort term fanca ans As your incomes, Your este expenses are bound {goup. You housenoid ‘apenses after having 2 Sond call shoot up ouray ntertenty incur Some unforeseen expenses fettea thea travel or Such, at such times, do Stress over your sbetched fudpet Agus and dant to the ereumstonces and Dan {rein spends when the shustion permits Track, track, fend Finally f you want your budget were monitor and wack your roses Faulty, Aperadte review Srureloeaton of your Sings and expenses an Serve you well This necessary tient hat IS working fr you and mat Isnt racking every rupee Spend no necessary, a= Ings you havea sense if troaderoutay on Aiernt tem You may Use spreadsnests to Heeb tackorcertan expenses Nowadays there are mobile ‘potions ke Wal, ‘ter, Atos and mre that Souean use too ts.IDBIBank pensioners home, vehicle loans Huge increase in retail credit despite high interest rates. ee Peet Sennuey Soe So cares ee i | en Renmei | Micccctcentctrstcst eer Misuatdereninonis | Cran ante stan offered toretired employees. oans ore.5 trillion, ‘Guanine | "ronments ir Stine | Sacra Sea ene ‘home loansgrew8.4% between March and {ruckthemeetingotiobseekers | Oicber,antr tha the precedingsia ot Scie tenn | Coe: ern etn Fee ee ene er Pane | heed weartratcens Eres ee. Se Seen oe Suenos Se fe sen renee ‘upacnal share ofthevetailereditmarkot itis rb ns 2 re lowerittet ates Loans 202m whine astaveeen ts nth ‘ine perld Thecesnosoppinethe dean sina Codd Upskilling rush in smaller cities ‘romthofsectorsikesupiy chain Ihasteleddemanafor skilled profes ‘sication iemima rie ‘Ovingtothehybid tion feshslentiom eran Beware ‘either or survivor’ clause in FDs Despite RBI mandate, FD account holders face problems in premature withdrawal on death of joint holder. by Rajat Dutta BE mal Tevart ivedinear tons He had Joints wiht andisacenat Aitwsthe nominee When histather Imatureysethdrwrmene inert Depostors aromudaod bs amkstatirsto {derstandingbeingthataothosor etn eurvtvr wl pt th proceeds, ‘Asperthe Keireular dete 9. Jane a5, bet of FD ‘hensniees ahtaesenaterthe ‘herorsrvivorormeroe rior an ‘atraraurvivwconeoaejaolir®) tnetraeins In formerer sarees ‘retin holden soeonme ater eerie the snd nntalder ThaprbiemarinewhentheD Joumholter was rete. This, owever, ‘te ithaca that tanks canallow hivtakone speticjintandatefom he dessa soe thera teraiinicralr ened nea Jonemandttrom tepstrsrthe arocn Homere he Penna Ieororet nereriedcame st maturity. heeanlantheprocedsaniyPrint doesn’t let you forget. Here’s the proof. according to neurost researcl easier (o understand and more memorable than digital at is why, print content connects with our brain more id effectively. So, choose to read print. it’s proven that print content Choose The Times of India, India’s most trusted news media brand.stocks by Sameer Bhardwaj The Chins ane plespale less feline commodity pics willeuppart femmes by the Sense nose ‘ox whichreported 15.2% yo growth, ApeikOetabor222;capex roth sto rontinvestment excl. coterie Sekingpejetapprenstsand func | TMEDEFENCEPSUrevorted strong ovethacfoniyaoeeteIPtrocifes, | SbaiNe perermarce inthe ser Stwilimpvamaeniesnmualeapertnes’ | GAM suoprtedby athe share of timetetruatereovernestiveyents | PO and overou ROH) sles inthe ‘AriertinumcratSuiseseestnein. | Tevene The management has ged vestneateyaeatengtengbesedonthe | SYONE Or Infows and doubled senders etal | ROMSDS iors ote 202223 poris.capacityutilizatonand short-cycie | € 2024-25 pend. Large-scale orders ascent, petrochemiasandnetiner: | samatonarwexpectedt si oder Analysts prefer Lf, AB nia, Sine haat letronis, KEL Pa OLD gg SELL Inmanuracuring aaturetcoes Sustared growt in ROH etre Stats, sng cas poston an healthy rerunraionsaethe ey caaN An ara cal report syst ring share of fnlgensation and unetloed expert ‘oportinty inthe aera ea heer {erinausty warant a stck erating Improved sector fundamentals boost for capital goods stocks Increased capex, falling commodity prices and robust order books to push performance. KEIINDUSTRIES = a = Fae igs ‘THE ELECTRICAL WIRES ar cables ‘ranuteturer reports inne reverie mbes the second are ano os (15 yey romth Te perermanee vias supported by south ass most Drove extgoris (LT ede, AT cabs, hovse wires ng stares set wires). ects ke pik por spending inrostvtre (rola meres, ene es, lay. aoarts a power TAD ste cement, fete ond refinery Secor edg aston tutonal ‘rer boo 000 core, est cash false ately fo ve the ong tem growin, BHARAT ELECTRONICS 18 rani Eng 4 rhe ries Tremenda ena ita non efence sent mero ereasng experts hare ad ely ‘erect capabies ae the eyguest «OV Learnings from the Infosys legends On its 40th anniversary, the contrast between Infosys and today’s modern ‘tech’ businesses could not be starker, says Dhirendra Kumar. told india was highly in tuned The past isa guide to future, butittriestofoolyou. n-gage stead oflistening to today’s wwerstoaay those whokow th venture The pat sa vile guldeto the ture, onto those (teense siningrze annie ae ae Soe Soo atl tngsone str. Albee ‘Somtinelos year thee wasatrendot ee. Today edo under) arene op sminato pay tel Toso pops that wake snd luetbekindofcenplenttatoiar poopie Theeanpany shorts lakh ree tol . that manytaledandisappeared. You dot Diontedandeostinefieient Now:weweere. ston sineeos that yx ety, many odutusinesandinvestmentenvionmest willl Howere: youdoaY yew whlch Drotitaniopetobeincanahvetécingse thenewaenerstonabsinests laltaxation eee Mi elated) of stock buybacks Deut seneeas dividends, buyback offers do not entirely ai Cee CURL Le sa aN ‘bylra Alok Puranikc The top buybacks of the year Taxability in case of open-market buyback Tain ‘wore nao /, apt ain, Mc coenmiet 2668 50 nas \“hrveine ntosy ‘Oben Market ee 9300 savin Cen deta 2500 anata thats a a 7 ry inane can Two Oe son Tem Serenson rorir 608162208 00 Ds tieres Tore 23.8 190 wot Twotroner 26 )ans0Fe ose Taxability in case of a tender offer ‘Sera 9g00 600100 a The double taxation whammyinberited some equity shares trom my father in Sur 2022, Tse were urhased Dyers ogo ‘hough dont kw at wha pre wet ose there shaven an the corn mart ale woud STC How shouleaklte captained ‘axon his yet xa nome a0 ad theretsntax ity or 2022 3, incase ito ince bavod affine sa theorgna camer asco claoe the period oholdg Therefore any arson ‘eaty wil belong term capt gan LIC 5 ber eencathering close the costoieat he Hsteequty wileeigherttetwe acl caster loner ofseline pce highest pce (uotedon tockexchange on 31 January 2018 Youreedals of nese equitesanchavette 3 January 2018 aes of ache he ob idvavalaiesoc market data oreteraty ‘Hom NSE Or BSE. er iin tbeformula ts or selingoicewllseveas your costorce ‘esssume hat mest equibeshoveony gone Uinthetat 30 years Ts ithecestavalble ‘urs oration ante asesng er may seceplanation nthe same One eT iscaleuse wile tae aide stuonam agrawal Qo stracston n2024 when at 20 My “arent ese nde an FD (a) AD (12000 per month) and investments rl eds (5.000 every marth ndverse sce 105 tha oo towards ae expres ke ent Foe. ‘Wish tbay ahouse by tetine am 30 How shel Invest my meney ntesort sng an Dow seul manage my expersest sete my als Tealpropery a payment for moses? Aneducationlean lao yuo fun yur stu les itlqudsingexistngassetsToredue theloan arden yo cand one the to TNngs ‘Dntoue topay ie etre on teloan througout Thetis yo was be stucyingorstartepayment one oan wtrouontingoramortarm Tis waleipbring down cost rose than foster Onceyou star nokingagsin ete yur iar oso the ea arson. dresartsavrgs toads each separately. Ck intehowrmuc yucan stasis ram you salary towards renying our ecucton oan Youcan bostanduserttomaxe aorepayent eer ea. Setasce a porvonot your nome tovarésther fhe Select theinsrunen baedon he enh ot Ireiovestmentard ye isk poate Fr Stance yuma want consde Ds an Ds for investing Td youl pene nxt ea of so Yeucan onsiderinvstingin mutual ods or one that you woe ned i years ‘ore may bebest focuser ‘cbatne your setae ‘siehasedvestion ea ere 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 {1am 35 and have a portfolio of ¢50 lakh in MES ‘and stocks. My wife and together earn 26 lakh ‘amonth. Lam salaried wile she is selt- employed. Four years ago, we purchased an office worth ¢35 crore, We have been prepay- ing the loan and will pay it off completely ina ‘year We have PPF corpus of £20 lakh that wil ‘mature in 2 years. Currently, weve inaself= ‘owned 1 BHK that will fetch around ¢1.6 crore ‘we sell it now. Our aims to purchase ahouse Inthe next two years, worth about «5 crore. ‘Should we withdraw some money fram our Investments to meet our goal? Both monthly expenses andsupusareurcown. tas eulareceangof teleanonthecttessassumeathat {hesumlsiseigusedo make prepayments Weis: Snenoreral pce savant rom te oficesace Thera 2olathwilbecmee2s28lakhater2 years assuming yeu ep nvesing you cont have any Brngecyresrves, en st easel ase pt 9 Ions worth of exorsesasan emergency Func. vena Simple bark wide. wil not ave you told preventer maturty On maturty. ease eed for 2 ‘ratonat' years wah conibutions Deals of s0lakh MF antec porto ae not known saiiuttoreviw propery ut gues are bes utes forlong tri ‘esents ands aduiase askin he foe seve ears Assuming ousoland get 6 crore you cr rent 1b ha iltalecareot 2-908 of te connpay Ientin 2 ears tine forthe crore house you decide ‘ouseyourequtesofsDlokhes wo, hey would sug (st slingnow anche he furds indent struments fn waor the ast momen. You dv" want an a fettalstreauce parole val. ‘Adounpaymentofe 5-2 ore woudmean lean of loseta 3:4 ore youtakeaoanfo20 yeas, EMI vlbee25:34lakhamersn Tsisarest 083 your ort income and ot eal Monthy Else De in 41030 35% oF eae, Themaths ofthe purchase makes isco hati wil Suan your frances (unless seary and/or business income ereases ues, Maybe youean rebrand delay the or ‘hase forafew yes sa that YON “anaccamulatemoresavies Peaserememter tat the mmrernney thet oes the ausapuretae he ss eave roe sal. PE er tam 75 retire 15 years a Sno ge pein My site an noe ochre Bothemployes Wenave two sopooinree Weare covered by meal sane by or san. Vichaveinvesmers esac Sedma nce worth 9? 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(esi nthepast 5 yeas Ny Sonascolveredacorocundes fetumot 11978 andthe canbe cnt reterencepin Arse ‘apindee ured aong wth an ac {etna rom the mal cp. space canbe selected Fr the ‘ourgerto, vestments can be onemoce assy. herceamideapandasmalap findesnb nde nthe ast {years they Sandy aco 150indcasnare moved Upatazpand 15358 re ‘spectively Thearountyouwish toset aude ot mentions fe Somingtatan investment a0 Tak scone fo: ech is end 11 (Aah conlered across the fhreetne rames,3cargusot 17 ah e351) a3 0 ‘anbegenerte bytnetine they tun 18. Te vests {Bnbedoneinyourrame with fecnenidseataminge tele Fesoetve schemes Yaucaneven ‘elec scemestfom your est. Ingporto forthe prpoear mate ease ttanaestor ‘heroines. rable saat (UI Askour experts your quarriesfinancial plal vi if How to overcome inertia in investment decisions If you don't have time to plan investments, put them on auto mode. Rohan is37and recently married, He has EE sonsiessomimonsobimfo asa joban earns adeent Income a ee area shoppingandhaayswhichcossmon. aber oases meme Severyitiletattheendotthemontn —_iseenezoalsne keane Bankaceount Hedsibesthethoughtor _zaecaientmfnicncens enone adhering toa financial plan and the deci- lary accountintoany investment avenue, including mtual ands somtosoiddsinyanyiningadcet Secure his savings before spends most othis monthly income. know much about investment avenues an AilorteseoptensrequlreRaan toceate acne senna yway.Hehas readenough about the need setinsnfinot amount Afterthat ses tomo mae ‘instart investing anxly to ba concerned ‘chonan ue ened st invenghewiberen toa about his inability togetan investment theenetimeetot The l nslvementreqsireimm bist keep plan going. What can he do toovercome elastance raucatetoparde ore enone? Sitch Ae hecopsnntaretenocta ones “Seunteney onscreen a SMART THINGS TO KNOW (BU caves one oansare Persona ars Siw cans prima wed o bretora tar frstowse nds (20-30 years). | met term loans lAstnese are | Secures with mutual is messed he Theynmetne | whan secrete | ft one PP, ict res, lavesrateo! | ofimeet incaeals Iriet ie | gue ec Me ate! ot evi steeare | Senate crien litats | eration hn ihe Direct pian in ‘mutual funds ual tres a2 to ‘robing investors toscheve Fray soy may petro te eRe ant rib. may Ihettakemvester Stns by tenses 2pplans: regular ‘and direct rovers who keto in ‘eon thar nn prefer the Sect Banari oer ence com Inston hares Those who peer dng ener rah Figher eoere rato cornareate the wet ln However nh "ro plore fre. the pote (EE) Napsat investing arect plan iret tush the AUC webs invests con ‘ope the ppcaton proces (9RTA webster directives ‘net lars Mal fant Fer and ater eet 2c) Sr CAMS an kary sm prove ‘ine ator oinwes in oet Bao of maul uns Tae ae Phys fmen ease of 2h Ingo det vest’ wrt Ing the word "Ove wher te browm/teror ace ie, ‘witching Ancter ay of roving Sait an extn Investment nae an oe 2 Points tonote 1 foCis maratny or any Invectent nm and 4 faeh itil dsmere ates $ oretpon nfs esva gon ‘Theva det pin ee tote hee onthefinancial (° Never changing money habits We persist in ways we deal with our wealth, not checking if it can be made better, says Uma Shashikant.travel State Secrets: GUJARAT If, instead of foreign holidays, you prefer to travel within India, here’s a new series to help you plan the best vacations in each of the 28 states and 8 Union Territories. We highlight tourist attractions, culinary choices, modes of travel and the costs involved. In the seventh part of the series, Riju Mehta takes you to Gujarat. Eh ooo ovean ick he aretha st your budget Thebiezeretes il thron ip more nury tions wee he sar ours wi hve ove tore stay opto, 0st 227,000 toranants (2000-4000 per ient) Uae) row yeu want savour he sates same the art thal, which typcally incites oars teanedredsict, eetbies sh sy vegeta cry or ‘yd fate! ed sae crs bose inate aman theoia Mana oa, (hea, har nd mute 0st-€500-1,000 perperson.perdey lnthecout nds stintnglandcape nonclntecoutyWehacosderedtmesinedsae” | Rvetoprkstesesbeyou mies and gourabical diver. incdingealt Siportes totes hechesoest res The es ony bout sera anc, ers Nam, {'Shore ano eos ana aun spersnfers mr 2029 7 TeplandSeerra, beaches ee Sookng byron fuiltakearnd téhourstovexh mezacass | Smeotte fomaustenpes ice the sbokownr grand eps stare foremarrarsh es obscene snr rounseiso, Srna VeavaOwarkachis vara, amino crc nahn, Sema (ooh tum erie cebiae costoy take 71,665 {hetiaticiae Yucanoniy end" — = ee (war han rh Soma en Acie el 32,381 wen-anns ts ss 28a Sasaa St Swear mand teautyand monuments, batalsoitsunane & seievaasainie ulsigeauaadicie (Brad and essing la ahmed Bedandrichcuture “ore er poaan Fight on Spanner 20 la tans | . : = : Indus vay stes:armust wt ce, win Aud Innate wn runs tram 2a cet 8e Nayar Tam rserT Ee Don A:abmesabad | tkeatriptoCharpaner | Mohaland Pap Mtal. hamper PavegrhArbaclopea Pre ees roel eee Vasthessternat | Paveganstes, itnoumoredrectyto Therese ondertage sense rt, wcrer you ware opr arr, Aram andrivertor, | DAY-retmpasada | thewrccty notre, mosques temples angstepmelstrom 1a Srvcanarconntetmpros wees Stdsceneciyant | avrveinpatathenest | satoyEnoyheiie terres ontroreta sate | marnea abo 4 shoves | Sa cesar sedsunect, Sty a sty: The test tatein the thesuactsendcumrst | auayardvsteran | OAY7-9:sommath rics about 2 hours tromvacodrs, ‘ak Mere ay tae | KevorTnenswveto | Poebandarowarka—— RanikVay-The ucts stawel in Patan S25hourhertage | Modherstoseethewen | Nesteayeiemave —sbeut 22 ntrom atredabe sa akintwemornngané | tence abeuttaltrou | backtoAimedaosdend Uneexcotord Hanae ste ‘ste poguorsaos | auay Fomteretravel_| tengo OSG Lawl Vas Paloe: The Cockwadoal fan Intiectyndvsinstte | iooesacapo nour | soarectytosormath. repaace nvadocra srentet 208 tne Shee amenrayan, | 30ay aichwitefOnowrs—argestrivataresenceinind Sagaonatnanaanten- | DAW S A J 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. UcHowingrimnce == 114100 2800 ry 2 2 7935 2300 Steam Fiance 3 139840 1700 ec eration 4 4458453000 Pesigeesaesrokcs 57 45105. 2500 Draadeysiaboatores 99434825 1700 ao Tes yo 10 316302400 ye Fis 1M z785 2000 Coal io 2 M2227 1800 UTFranceWolanss 171287351800. 15000 as 19 7176402000 1500 rm 21m 46890 2300 1200 Tata omer, 22m mang) 2700 6600 Tocitambrecenina 24 «26 ~—«129875 2000 5900 Relonetnasres 25M «28710 3400 3400 sen owstres 7m 785 1100 4400 induce Tetsiepes 31 «3214003500 5200 Bhestr 2 & —130500 3900 9800 SBlcardstroymert 33-35 Tags 4700 ansineracPars 34-36 5ED_ 7100. re 3837 sas 2100, 2600 GuorastePevonet 36 «3858457100 3.00 Geenpanelinasiies 38-31-3205 27.00 3700 ed 4 @ Gus n@ 3200 vet 247390 3800 B00 re 6 s7185 1200 5700 cinta ngosering 7 sem 2700 1700 ie Ltexcerces| 190 6sa25 um ko Dhara Aariech| 50 354s 2400 2200 oat 226 140 aa 378 168 ie 108 098 298 25 182 5a ose 195 105 258 20 207 12 088 oa? 068 159 rax0 0565 570 om oat 058 on ast 20 075 on 079 ons a8 03s owe om os n16 ose a7 6 ose 076 ase 109 031 on 103 00 162 Las 107 1a 178 163 us 136 093 11 164 15 0 o77 108 095 120 056 oe 137 158 024 2” 25 2 2 2 26 0 2 a1 2 2 400 49 re a6 396 158 3.00 at 360 348 460 tat 465 169 @ rastgrowingstoces ‘Top 5 stocks withthe highest revenve growth (%) over the previous year ee Least expensive stocks ‘Top 5 stocks withthe lowest price-earnings ratio Best PEGs ‘Top 5 stocks withthe least price earnings to growth ratio 6 Income generators ‘Top $ stocks withthe highest ‘dvidend viet C0 Least! risky “Top 5 stocks withthe lowest ‘downside rise ofits MO Rtesmart 625 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. qui tance oP ‘qui tancr A MoCAP sour-nastcar sour moc ourv-suaut car our: valve omeTED sourrv-ess LAGGARDS & LEADERS “Taking along term view off tur, here {mer ech cage ans arrest and ‘Wvtaervestnatmay bes aren Yor port, Pccacs | snc] Equity: Large-cap sewrcans 659 a oe a st om 746 13.80 764 EE 13.78 Equity: Flexi-cap sexu aus un onaosnetPentn| gute Fra sz EE ss: Dcracnestotyha Renate soo MME 14.99 57 Ml 5 osc im 1276 LUcuFFiclGinfed | HOFTrrenensaresind Equity: Mid-cap syexreoms oa 3568 At fo 2 "227 ‘aan Simian ae amma ammeel s Equity: Small-Cap seers 20.06 an 0 ee (etna aeanancarts ? — a * Hybrid: Aggressive serine ass i west Neqminsasty nar usTAEEUehn: so losendeasty eu Pcetaun sot or ns oe <7 | ‘108a Di nt find your tun here? etmattry Ey stra [emcee EQUITIES reson epee) (area es eves ne ce es Taxa eee Stone ome eae nay an cre Bee een eestor ae deg hire oie ey Q rossirs_ ‘Top 5 equity schemes based (on 10-year S1P returns g 2 30545 = hee a on oe ‘Tops MIPS in ‘Top 5 MIP schemes based on = SSyear Swe returns = _ ate a ne Sonos a a | Hoe Tomine 2 Geto es «: Large & Mid Cap: © castoisngs Ea a Gee She = Debt: Dynamic bond fund lowestexpenseratio | Lvs 88.9% of the total AUM of schemes in Noverber 2022 comprised BSE 500 Index stocks. 2 owsenansenloans and 90s" 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 re Top five senior citizen bank FDs Top five tax-saving bank FDs NX [ retec trem aconer 20190 vn nave mage ne vanston to N txternal benenmaris far pring new home lopns, Nost banks Mave Zh ete Oa BEN REPO RATE: 6.25% ssrtemtoan ais mS $0s a8 308 toners Drain nk 4155098 ng tons thor 202 Pon Sgt a am aba aes0 ret ua ak 50 maton tak 80am tan as ea tos ts taastnoc2072 saKsani as | as ean ts 850 tHonz0n vorc tank fe nesta 350 Maen ara pant a Banc tare am nose tao toz0 | 7hn202 Union wnt na am | as tou tas oso troaz0n chy ions a7 tis tam thge tego toonz0z2 Carano ess fom ass tomo 7oecz022 Danco to fou tas ton0 | abecaoe2 insane to 5st 865 abezor2 Pome ata ak sons uup ssa abeen Cerra no na sim spt 300 tonz0n2 vo sane 315887550 Your EMI for a loan of <1 lakh 00 se om 7 707 2m fy 286 Be 7 206 a8 10m sco = 25 1m 1075 6s 08 Sie sanALTERNATIVE INVESTMENT RETURNS MONITOR The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such Investments. But don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different. Gold (995) (x) Silver (2) Platinum ($/troy ounce) —_ WTI Crude ($/barrel) [Bitton aabitsone| [$582 en nseion| [" Salha aaoitions| [~ 2ott as aoeeiane ‘CHANGE swe 1.49% ween 1.56% twee 1.24% twee 2.67% ean 13.71% tvean 9.89% year 2.94% tvesn 7.25% PENNY STOCKS UPDATE —~sS ~~ Penny stocks as a recommended non-traditional investment? Not exactly. ET WEALTH neither has the expertice nor does I recommend Investing in Such stocks BUt since Te = felatvely Tow’ cost of investment attracts some investors to penny stocks, we provide ‘9 weekly snapshot ofthis most volatile and uncertain type of stock investing _ ~s Top price gainers Top volume gainers acon Cantal servkes 2252570 [arkael|| 357 sa7s 7457 Nawenuclotaiven, 140 ade n02 2597 Excel Reaty Nina 0521308 | 7333 $309 7336 GG renee 167-870-4138 8073 5596 Visaba oclser, 2321088 S62 35868 2087 Kaahwalsratracme 452 1087125807 | SMB 17.04 Lert Fiance bs3 268 [saad HA 1402, SemaTeierind 9691577 2580025 | ase) 2201 Fepenénerrses a0 3208 | 4734 suai 1605 ThaviaPoypees: 6m 3a ats ao. gms) 1921 Creal los an 283 | 4622 271s 6505 —StoremerStineSees 492-1762 3735220 | eUBSE 15.07 TaraPoloines ent 331 | aken yo.0s 1921 AdanGantasenies 2252570 ris 397 | esa8) 7457 Vinton rman 205257747 30221607 Wrolnaaees—= 38362716375 | SBSH 88 Top price losers Top volume losers symoioxivesimert 4533047 [anda | 628-6037 1437 Ser nities 496-2226 324469 | aoa90 | 29720 ‘sone Yee cal 210 1667 | MSE | 1711-74499 26775 © uesinotencs 0S 820-968 518.987 | 71137 Prsuresenstwesyst 735-926 [uaas7i|| 139-2550 10907 PrsmeClbalvennes 261 -ADK 4153288 1338 sinexinasires 496-2226 | 34463-10000 29720 aerchouvew mcs 895 963-2805 317 482 Caloenosnew vec 995-963 [-aaasll| 317-7041 -8462—arcenalaere. «232754 4SAR 320, mas Greenest Fnac, 203857 | mma 1669 58S ——7420«—=«SymBowiveement 4521047699628 17 SironéCenmerial 052-738 [sas7K)) 30752500) 181m RRY Nira. OS? 13D AB aa m6 esto 751 2452 -tagz 281 «678519789 reeeetFrancid 202-897-2801 120 teins 250909 [izaaKl)) 3497 22228 2250 Steebbalein. «S59 111314781904 mio Shee Gane — 14030. aK DOH 13179580 Aan 290397 1362361 e186mutual (ii: PV pia ty Not flavour of the moment 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 (%) mn oa tse pum 1 ‘The fund has sharply lagged index @ and peers over the past year. Rolling returns (%) 1638 g ‘The fun fon term track record indicates @® jesthy outpertormance over longer time frames WHERE THE FUND INVESTS Portfolio asset Fund allocation style box g ‘The fund retains its large cap bias © shite mocest presence in mis ape hel fe) ered You TO enn Peete Corr aeesr en Pepin herereteeenn irentennaetg Ep FACTS sine sa nr vnitwe see ed "40.13 rocw sas 2500) 7100 175 For usm excess ot 10% tthe nvesen 2% wil fe charge or reempton atin 365 days ath FUND MANAGER reeves sox has sagged in recent years cee irene ar pertinence ® Mefund porttaiois heavily {ea towares nancial ‘The fund runs a very compact porfoio © (eSturing outsized postions in Ws top bets Recent portfolio changes Limainatee, SI Sanna theron remain (Get) Apolo Hosptas Entererse, Asan Paints, Matherson Sumi Wiring haa, Prelit Industries Rehance Industries, Tata Eonsuianey vies (NO How risky is it? Fund category inex sneoenis RIM 0s are mene EEE 18042038 ‘The fn ist retum profile ® inrecom years es Paris eras cop rer priests perenne Peseta two yearsot anidLaurus Labs: Promising outlook Strong prospects for business segments, robust R&D profile and capacity expansion to boost growth. barmocoutia an Matehnciogy company Laurus iarer oferta 8-0 y ee rth severe Oe nse esas, Aisisareconitentabaurthenmes: eld Hyame incntingsencingoneeria 27 2a nesting 2 ‘cis ansnoveltherapetes rmensot airs ar onpeted to wines rsosonsle roth tomer ions snore ema tain ann rea ant-uabete cardlovsclar and gactroenterlony tere ss lh oad emacs Analysts’ views ‘The ARV (enaric FDP + API segment wil edit by ranean ri anni bein score WY ndeommissoneda labia ster ‘ty and commissioned 10 billion the secon areas sc Hodersbad andthe ‘Seleton methodology Wepikti shane shown ‘ngallanistrosommindaonsseratrotineweiinst> Indicates that tho analysts are gotting bullish onto stock ‘Oni stocks that east IDanasets covering en arecon ‘tringtbepatwek nT W sabe, Sameer Bherded WHAT EXPERTS ADVISE Fundamentals Valuations ‘sown swioouines Aas 09 ‘ior anges se Relative performance ea Sa Pah NGS WE HFCL ‘Arinant Capital Buy 3 27 530 NT raj industries Prabhudas.iladher Buy 370 s20 aos Hci Sessa anidveeaeatonmsaeeasir Max Financia Emkay Boy 0289025 vaon son cae sudaesic= a Sen \-ernases Pruipcptal uy _—«aOR—=«=«mus «=a ‘athlon om sire aan Kegngamin wna rom Indian Hotes MotitOswel By SF eee ee Amara Raja Batteries Sharektan By eat 788 rr fecyenee ati sooo eons REDUCE securities “Vek nae Uitsinave rons Tecrrenionion ower anes nae esotax ptimiser erat sed tare | == xtra Bat can Faucshistets roitteopatertie ‘Stentor iseonpary ‘Seimonewila ee sl Tax-saving investments Proitet id namo 7240 urerane 26000 28000 oor 10000 19000 asses 40000 40000 conssertis eS under SecaoccDit) © sag00 ! Sem Other deductions examaon 2.84000 verb 000 284000 ses nance 5000 J fascia INCOME UNA Ah aaus ‘inceene (after all deductions) can be ‘Basic salary ‘6,02,000 (602,000 Sveum cate mae egg Seer Sexo 2400 © 121200 Se ee anne 0 © 24900 =) enpereem ‘Asafrst sep Sapeasbouloptfor ‘Newspaper allowance 0 © 5000 btsantabe one ee 7 anes ore, ra oo mame | ac ote Erooyersnriuionomrovintind 7220072340 osm tablacom wis £0200 ‘Contribution to NPS under Sec BOCCDI20). 0 © 60,200 ar reer rors. CE sonstoscinn topes hep ++ INCOME FROM OTHER SOURCES Sheen ew Contes ° | ates aa 5 ° setnsecieadbiperais seats rors GEE CD Tarun Sapra’s tax cecmmmery | TOTAL TAX SAVED Pe aed 245,801 —__cunnent_ PER YEAR 45,323 | 478 | 0 waB01 ocalnevretont SUGGESTED lina 0 [ojo 38x Ox 7) NPS, health plan cut tax to zero ‘Sudhir Kaushik of Taxspanner.com tells readers how they can optimise their tax by rejigging their income and investments. WRITE gp lt ical ela pee Petal enedSwitch out of equity funds for short-term goal mutual funels Girish Sethi is investing for multiple goals. Here’s what the doctor has aie! him: ° ° ° Downpavwent —mmstoAuciTERS sronuorrens FoRnouse ays EbucAMO Irs Mimancetsyss “MARRAGE 22 PRESENTCOST: PRESENT COST PRESENTCOST: _PRESEKTCOT: “20a “adie ‘01 “a0 ruturecost. ——uurecosr: rumnecos: §— FUTIRECOsT e229hh “aia eerore eLBeore PORTFOLIO i er ad ad CHECK-UP eet Sinetivatna—Adhgaie Peon Fe ccuiy tris sors, sottseea mec Counsesrsnmsinencniasaotes $000 ‘coasarearotis, © ansceet cnneaity Swidtomhieialinct anes 5000 esol Pn recap inst nderpatttieettd $ omrtinvestintig —NoponidaLaecen ° maryland t'.6 ¢& Paap Parke eicp eee aCe ea Ea ‘homer feeneuph, 2 Forneuse sali outofeauity ode Note from thedoctor 2 Retreent oasis ‘oolow at e50000 marth Consier bechip ‘sing tioet ah eeaycetrerentcan _— PoMindia can Ooeeruntes Beatiemawines: @ area (smal -108annua ikeinsPsneedee ‘Reva inesirens |snearsothatyou dons target. __————_—_— J 10000 ‘ie neenesnnaty eae {carne Courvtssinmsotpororun ge fn iom hss at A hows faeaessntcuntndne ep tesco inashinthewoiorinelee Start systematic transfer for marriage Rakesh Awasthi is saving for 2 ne PORTFOLIO his daughter's goals. Here's | oaucirersemucanon2yrs Bye © CHECK-UP what the doctor has advised: J furuarcasrezainn ——furuscunssdettam —”nrostt osot0sens ae a dea farsi es 00673 S00 trtanit o tenes inass sso Stverdranagonmensmstemeny 9 aration PeragrarihLotermEaity 1.34058 5000 sexaruriaurg ues asm ‘Reveninesirets — suse soon Siowshosntecmiematswy * atest MiaessitenoringBuetn 1105000 25000 Ginnetmmecttmtairmsonecrtek 9 Reever TOTAL 543 000 homens yortaNcac sear soratyou donee PORTFOLIO DOCTOR Not many investors know whether they have invested in the rignt funds and if their fund portfolio is on track, The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as| his Financial goals. ed inthe calculations _ Equity nds Debt ontions v WRITE TOUS FORHELP ‘onenyorsatocamns, ines meee Nour cctare arateyour feedback Readers’ response, online and in print, to iT Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. seein’ Thmelyand helpful ecru story on debt funds timeandagainasthesearethebuiling Actually itis very difMeult fx the Mok cupta ‘sequeats lke BTW Funds 100,08, ===" Emerging suburb in Noida Tepe] Me Sector 150 in the city is close to several corporate offices and is well connected to Delhi ‘Supply by BAK © LOCALITY SNAPSHOT ox SECTOR 150, NOIDA ‘ Sector 150 isa developing residential area situated atthe intersection of Noida and Yamuna Expressways, ‘© Besides bath the expressways, Aqua Metro Line also provides connectivity to Noida and Delhi a ‘© Hoss several high-rise apartment projects by prominent developers suchas Godre, Tata ATS, and Eldeco. ‘© Key employment centres: Advant If Park 9 kin), Unitech InfoSpace (10 km) and Oxygen Business Pak (9 kml Lo ‘© Hospitals": Kailash Hospital, Vatharth Hospital| School J International, Greater Valley | Retail’ Ansal Plaza Mall Consumer preference CL ee Dy budget (2 ‘SECTOR VALUES. Sector 150 ye Price fat: {i soc 6900-10500, 3 BNK Rent (/manth23,000-35.000, any Byearpet area ea?) Sector 151 Price f/sa: 5100-6800 2 BHK Rent month 12.000-20,000 @Hospials 5+ @Restavrants s+ @ Banks 5+ @ Grocery stores 10+ © Petrol pumps s+ Maglebricks)