PICK STRONG STOCKS TO Chea ROR e gah evry to Deutsche Bank ARE YOU A ee YOUR EUR CUI Cry SMe er ura ly ca eee Sah E Tea e CP TU a) ES a C13 ACTIVE IN oa 2 FINANCIAL ! STOCK ba E LITERACY OPTIONScover © 0/7 Are you lying to your — financial & planner? = Here are some of the mistakes you could be making while engaging with your adviser. By Sanket Dhanorkar Aregouenenging wih youradvecetthe ace soe ways in whch ny tebe Roongt, Founder, Fee Only Financial Sctntandintnespinthattisrlaton. 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Srawtey inscmsecacerameees ind Amacom Oe —<—<—< uN Ae: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. <4» HOME LOAN RATES ener ean cans “tiene With effect from October 2019, all banks have made the transition to ars wo Nem external benchmarks for pricing new home loans. Most banks have Top five bank FDs ‘C8 Bank 725, 0745 REPO RATE: 6.50% bore to aa orca ra re a notcven nares ys ten Perabo sas 850 sso 1010 9Feb 2029 a —_— Inde ane =) a0 aso 1055 Noten a == tr Bn si) ass aes 1225 | arm a073 ree oe Bank of Bara os. 70 1060 147023 ‘vr ms tae setters emer t 3 tate ean ye aoe Union trict ina 990 701080 4mug209 cas rs aan E os 1048 tawpata ys kan = ao tom 1020 NotGven ‘oan yo aaa re a5 tae | asa 37 see Peat Sind ae ase tos 3395 orev Top five senior citizen bank FDs asin oi 8a Bie $50 seuay2023 Scr in Dances an = as 9151332 Noten cose east ara Ban a0 | a sx i213 | sore2073 vom to ie roan gas do 1085 NotGiven Sent vs tae Dna an aso) 35 S85 1050 | 2sren2023, cen | koe ca a a7 _a75, 475995 tareva0n onneaves so um _-YoUr EMI for aloan of <1 lakh men to ae son cS = 7 Ea nooo setae aa 5 a isa a ‘oe — 350. ‘2870 2076 1267 a 00 cy a = _ 2425, ua 1075, 65 909 re = Post office deposits Top five tax-saving bank FDs aaa SSmarket (i: ALTERNATIVE INVESTMENT RETURNS MONITOR The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. But don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different. Gold (995) (2) Silver () Platinum ($/troy ounce) WTI Crude ($/barrel) [Beane Fb aon ae = auceieas| [Paltverson — waucustian CHANGE swe 0.65% swe 012% wen -0,25% wee = 4.15% wean 12.47% wan 21.52% wen 2.08% wan -9.91% PENNY STOCKS UPDATE —~ ‘you wouldbereaurectopay ay tax nthetrarsacion However asper ‘theprovsons of secon o¢ the Incomertar Act any neo arin rect er inet fer Pe ged ‘ses Sal be cubed wih en “ omeofthespose wiohas pf thechares or fun Therefore ny Incomethatsrecnedy your wife ‘treupn soc ed uc shares ‘urthased shares sallbe E Iretedas your ncome forthe prpeseer in cometaxand you ‘Salinavetopay tax ven ans boi me encore amass yearalésalaiespotesion. =f Ing tte for ry retirement 5 ‘have sPsinarae hse emer vei Kota rerenguy Prok~ arin Fie Copsnd tsa ap ‘Bui As Cp ands Feed ues whch hal topoe eat aos these werent performing we Horr wien elo ‘Your cutentinestrensare sees {awards midand small eps. They ore ‘ot sestuts or au enaersPs. ‘Yes you cnconscer eng te sas unésandreegoy tesa index func uchaethe Ny 30 n {and Nott sual Wty 500 Isolay to make alu su ves ‘menteven the markt evecare ‘uted Wealth seh, ‘sider tne act hat yur eal {ate nvestmert was rch erie. Scant worry theron ‘erthe ant an makesue you Favesae ivesmnens nthe r= itona iad inca co "insor nde unto rovidesomebalence toyeursortt. Vidya 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 expect to receive around «75 lakh from the sale of an apartment. donot intend to Investin another property. How co invest. this lump sum in financial instruments? am ‘47 years old. and want to adopt an agers: sive style of investing ‘oushau est check for possblelorg term capa {Uc eas abity arsine om me sale yor sparen. ‘Secbon aC of he At sls agers ted ai Bity by vexing LIC orupto solar eropery sae seciedbondso RE PFCand RFCWitnsxronhsor the Sle These bndshavea ck inperiedl five yearsand gen ates nae nerestincomeet 5.258 ama. Instead oft for ese bonds whic low poste ters oncanchoose to pay he LTC tax aie {Tet componentin hein instuents ike eqty fds, Youean akouse me ale poceedsto bdr boost Our creamy fund tomeet navel morn expenss or ‘Menext6-12!nonhs Park these din edceostso ‘Scheauled banks ofeine yeis0l 78k and above Sovect ‘netarksofernghien ves nde suryasy Smal France ani Unity Sal ranceBank tars sal nance Bank pian sna France ark St Bar, anchor Saand iorerasraone ‘Ago heck younave aoa fe and ean covers. 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Here’s what the doctor has advised: investors i ° e ° ° ° know Qe MMP § SOS le ce eee napuaron'i6yerscrabuanion TV yeas “™ Ryerss MAA" 24 yrs aa ee PRESENTCOST:26O1akh PRESENTCOST: 76Otakh PRESENT COST: 240 lakh PRESENT COST: 60 lakh “CURRENT NEED: - FUTURE COST: FUTURE COST: FUTURE COST: FUTURE COST: 71.75crir70000 monty invested in TaTecwe ‘Bowe “Lrrawe Suwe” | UNRECOSIS@25ame the right funds andi their port ou — EA RT bec come EFA tuna porto ison A CHECKCUP parses ‘axe000 aso0 (tnasHrRERapemREeAY | gQ99 track, The Portfolio eee ta unpatease caine aed Doctor assesses the Inert" @ adiynsias Txhoe'6 0000 msg syenten @ a cee eee health ofthe fund Sohne _pansgPeriareap s4qco 9500 Snssreneadtaseaereae 1209 portfolio, examines the ‘eee | 118500 5.000 sranoesnarinirrieme ntnsing 7900 schemes and their Sowaecec | SPMD Aamoww —asoo Besteatctctaten se ulablity with regard to foerercs. | canwaRebroBberiefasty oe the goals and if * Gileastont pues ttrly ‘73900 2000 {HinesinneowrteneMieMMOH. 3699 required, recommends Soro, — 9 racrrasetasoeaoeror 12900 2880 pv ercapytupmmcemmy «corrective measures. The cfearnentree | NomPescnrasneror 255700 apo fstiadarmnrtesmscacelin 9 advice given isbased on (ultram 3500 KIC PruBiuechip o a deme 6909 the performance of the Nippon Bann 361600 2000 inesHnsbatinestone Mearowity 2699 funds, the risk profile of Mececor © (Kien osais on As Peasant inom eae] the vestoras wel as cmvontee _) Paauee 500002090 cxcaenmertontnstensesnaiwaae © Ne ancsl Boas. pene @ HoFCNancyckal conser so00 2000 Sfestscrorerenan sunsmsuccnsonme 0 hatches MOFCFlevicap o Peseta 8.000 ‘Assumptions used ‘volatile. Diversified ‘Nippon india Pharma 74,900 © mason anomertrm nme, eee o in the calculations SENSES | prepivnetSvnstaly 0 OS mRIRSRROCRETTCS 000 INFLATION revewinestnens : — Each poral Srarebalanceat st @ Ady Corporat Bond Taco 4500 (Siihsinasnenmistedtabeanany qyq9 ——capenves ther goals ances oe uae conten ere om gay | Bias seao00 ase Ste 2 OO tdonenss etre tasna Mia Pewctse Wena angry 250000 eTuRNs vor ERE EEE eee quityfunds Debtontions Ambitious goals need big hikes in SIPs v Anjaneyulu Gurram is - - PORTFOLIO rd investing for tio Key} caupseoucanoe 7)ex RETIREMENT NCOME:28 yas CHECK-UP mnt goals. Here's what the FY misnercomesomin cuRRENTHED eRaeerens men) ¢Hxbeminesieina Newgeeoor doctor has advised: J runnecosts3oe ruruecost 13.34 tenn oe Se — Teemsumaceenteernerme nearer fossoinesr Waite [Fas Groth opportunites 50000 6000 [ehusepaarysatsrd MON DLIIEON g recy erry TOUS oe = ‘SPswillnave tobe FORHELP @ PUN 100 inex 32,000 2,000 ue yu want your porto examinos, Nooo 5nd See ea amen Senses aaa PacarknCosercvehyrd ap00_ 4an0 SeerInmeaeg omar tne mec) NT teen 7 Paras Fark Taxsaver ‘23m000 2500, Catnensesinns ating SSM Meee @ Review nvestments isin no © Prosser Amno00 500 Enancetaenadiencarterarmen SECRET pratens recess 12mo00 2900 misibaimreiesrOneNSSM OK 4 Rsciyhengal _« feetunyoeresdren rom, seca ESS ooReaders’ response, online and in print, to E'T Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. Se Doo | ual, | ESSE ply ra, atabsolute van market level arise Why yuan ‘tenothuredintosueh tops Uhebiggst isa aking npr thee, Hone, Prarie Investingdestns base on thir teservoece ‘eoltemarketlevls stad, be inehetrar sensed the Inthepasttwoyesrs sve ‘ould lckat nda stocks, ling tartar Kimorsart Tesioremacy ot i ‘Ss anatromsayee Gimal Tiearesomanvtasl nottheriehwivtoe shat nesting hewtyaes every fomatveferyoons Crys, rank frtesame. fundsinthemacke hatchosng”—lleestunevourtarets.analyingthe "Coupes AceeceMe surance snaheaih yak mae m= Well-connected IT hub PT Greg Hiniewadi offers a range of residential options and has a good social infrastructure. © LOCALITY SNAPSHOT senor HINJEWADI, PUNE © Hinjewad, known forts pxoinent BPM hub, & developing residential locality in northwestern Pune (© Tis areas well omnecte to otter parts of Pune city and Mumba through N48, «© Hoss several large nl storey township pres by well-known developers, sch as Kahinaor Grou, Kalte-Patl, dre et ‘© Koy employment noes inclu Raj Cand lnfotech Park, Embassy Quadron Businss Park, Qubix SEZ, Pancshl Tech Park «# Hostal: Ruby Hal Clin, Sanleevani | Schools Bue Ridge Pub Schoo | Mas Kin, Vision One. Grand Hihstreet Consumer preference Cee See a LOCALITY VALUES Hinjewasi Phase 1 Hinjewadi Phase 2 Pree teats 5503.6500 So "et mor 1500620000 Po Hinjewadi Phase 3 cor Pree esa 5000-6000 et mor: 1250013500 Marunyi et or 12,500- 18.00 ns 15+ @ Hospitals 15+ @ Restaurants 20+ @ Banks