HE MARKET . uITy FUNDS 2 THAT BEAT REGULARLY eee eS URC getty across three pension fund managers. FTCA muah nae a ey i Usui Sola Vet) CN tet tin BAD OPTION? ‘\) 7 ard reac pasty mt Ne a . A; You can now spread your NPS corpus across three different pension fund managers. Find out which pension fund deserves your money. ‘ByBaber ZaidPTT Handsome gains for aggressive investors Ralsing of the limit on equity exoosure to 75% has proved tobe 8 boon sorcPeinona a9 20 EEE os es ETD lecirvaeisrinonend asks Named serene a7 EE ess I oe sairenin fe mor NM 1096 ame 00 Tite sonans nists seas 3 Ls Aloeationto7S% hasprowed bea bon thepietteesears with lmost 2% torsshold notbe mito nated Fetus nthepesttvec ears Those Terearedisoriedby theorist Hbverenntundistetmgterm at ert iearitn threcyenriturshmveagreaer die feruserpesonfndmangere ere “ripe here there ra grster pert fergromth Thouphmsscapstockscan ‘andpronethigherdrewtown during testonin stocks withamaretexp ct ‘Whilethecapenoquyespsurehes enetver young vets he ingby2s%everyyearaierheinvestor ‘sponta uns ison Young investors should allocate the maximum 75% to equity funds. In the long term, equities can outperform. ESET SD Rising interest rates hit long-term bonds Aleit funds ofthe NPS havea sizeable exposure to long term bonds, wields are expected to fall when the rate i cycle turns. Gilt funds will then outperform 1 ok Penson Fn salpensonfund UriRetremen Stirs bulthisdbesntefiet be ruepetare satatallinbondprices Theavorase pyearsiPretursareblon wile ‘veryattractve This istheprice that Hower hiscoulachangowhenthe thoreoratcke interest at ih {ecntalbnkends mony came Finder tChenson Fund hasbeen Lhebspomingie Tel Inthstorter term. aay Blau sieldtomacurityofNFSiltfundshas theprevaling year government bond seltotra@h, MpoNDSechanesvataly 526 eas, ‘ontholnterstavecrcl, ecpinitateSng an tilmaturty because theres ne Info gpec guns tromrttands wen Dreteetarnect 7 overtone fercover ©)" yey Cushioned by short-term bonds ‘These funds dd marginally better than gl funds due tothe shorter average maturity ofthe portflio. eae So Gao Se ee ooo? Soe ee, | ee SunircernstndtintSriky — Xiineaingwiherneresr odieigeipmaureeniensemeste’ | fund are not for cmecmenrereraanee* mmmmentenmtn ine Soertmanletammanims, | young investors, Chet commend Twosreurmbutieorraitmis — tnCoprastentindsxeanrars — | DUt those retiring a aon Setar, tetcietenntaiengticee” | soon can park their otek aeanemncrm, tentenmuerem | corpus in these spodtobeatthonin thentunsioceuhentheILAFSboncsincasparkthermancyintbeseing. PNG STATS ES a> Cap on exposure e helped contain risk ‘Alternative investments didnot da very well but investors benefitted from the 5% cap. aya Beta Sun ite Pension Strom orcPerion Fund ror resentins as a a 400 Lcrsiontind 200 268 os s6 seiPeion hd oo EEE sm Bors a a mm 495 [icine iene Time ie txtthie PSoorp nde rte SauhinwcmenttrceiRHito. | “Thoronasatceesvasmenntio liye. IF unsure about the size, Eiimeimatiwietanm ricco” allocation to equities, icmaimenawtntee, Rrra, uulamanttien tt go for Ifecycle funds Emamemesitinana Seitrtecemeeeescee” Eonar that change asset ‘power plants, highwaysand ware. tothedownturn in REITs, following an equity exposure of 0% andstarts MIX aS YOU get Older. slttretatincanpatantreeane” “Nitsa aly dace ToeGaeersael scjp eemingiiresrocarepromts.” anaetalocatenthtsutathriase theeaiyexgosreat and stats Fhayaloinvestincerainbutieand advise, hefnvetorswhoare rwducngaferUw personreview 3)" Trading in cryptos? Bank accounts can be frozen This is likely if you transact in ‘tainted funds’ using international P2P exchanges. ‘byNeelanjit Das Tess ‘our acount befrenen the aw “oneequeces ity erypteson miner ing. Theseactvitis wuldbein voiston ‘Money Lanerng ch.200(PMT Unknwresitesaeesentellythoee Ihasnot been verifier bythe exeanae ‘mansate Virtual Digital Asset(VDA ex ‘aaltingexchangoor directv thane vit ort PP nterntionaorlndisn, ‘heonaeetsucerieaton ren the lain When can accounts be frozen? Rechvingtiteertlentnds "yet ‘Tre ary payments “sousdida VDAto ‘Name bate payment frm Name Bithediscrepancy could casera lags ase been silted ol ea tovoarn ‘Foden acing SIsimtocondaet RC: her arent teeth nan RVC Lame ate eer PRODUCT LAUNCHES = BANKING rorceoasanaescazal on Baten wthsopse Tn (Geen atparteostasosse ‘romero ontmerscn nme ores nt he este Bo stones cn ‘Soman csant opto ‘Sooootora 2 meh tener oi ‘ei oaNcardand mahi umber Seomision sacardhsoneeate Snpy SAVE etaesaitaraaceatcad at fee ses is alsin Ray {oroaymentstreophvaios ‘nteatae pry ape en srk nanan 9 Fret wor ra NS Seton entre 5 raiment sorties ‘eden teeperiona ten “suoscrintion iferational ine sees; meng tes. {INSURANCE nsrty hasnt pert Src arse bsnesesuncer bisness epoca ox essed cyber rele ves trael tsromo057 or secure pay frre ‘net domoge treutlees ha Investigators scammers rst UPI ATM for cardless cash acnipayment serves hos inineethe Scirecasithernalitnterest ieh sone Spe UPTATN, 3 wil ‘witha A Rood wilt dnplaeton {hosroenforthoslectedmonnt Sean ‘hegieardusingany UPtappanyour Fabien. andenter the UPIPIN on ur mobtoathore te transaction, ‘celts stored the ATM “Thisnoveoferingempowersany bank custener wesperienchecovenieceat ‘GetneedUPeashwithdreale UPLae been thefistest rowing payment modo 07s fatal ransaction lume, sald Sumi Vikansoy ManagingDirector de HitachiPaymentSevies Thieise WhitoabelATHCHLA), Psmants Carport onda PC, secttiytylinnatingtomedie ‘hyseal cane The UPLATA wil so Arietinancil pluton aia ‘where traditional bankinginfrastractaro dear penetration lite, technology anduiton Anaroid eigen eT ATA servicocambe nseessedarmarethan 000 those. SBI unveils ‘Nation First Transit Card’ Inset Nation ist Transit TransltCar, powered RaPes ar sai nee Kamar Khare Thecandoelaunchoat the lobed Pinte ost 2025,Are bloated mutual funds no longer a bad option? With several over-diversified funds giving good returns, large size may not be a red flag any longer. ‘by Sanket Dhanorkar mutt find pro necesarira Wotan? pearcanetaerinninatt rt oer mores, sithver 0 wocks tearing SENSIS Several funds are overly diversified sxisc=rormerientras, Nippon ina sal Cap OFC Lar ard idCap Large Ad Cap Bandhan EmerpngBusineses Snel Cp Aaya Bie SmallCap Sl Cap cc erawatinp ui cap Nippon ina Mut ap Muti ap putinastngperfarmance inthe epee [nistorical precedent foradoptingsucha Syeda Js Frunior Plnfapee SBCSMa C20 sat cap Investment Sere Lint alt-tesagthewatatsfrthe necting ono canlase bud ach nsts-his ap Aas Sma a0 Simei cn Bet nergy ane fn um o> {Esvirtsinsmalenpe, One isbetsr rather showingeon eto, ars fea go wong inthis spot ‘i Cain ueeenty» AG MONEY MYSTERIES Devic sin not realing when Thstypeot inane snyunere, nana to beteanetrouen iter ersenal experince cmveroambe efter Investing advice or fraud? Whether bad advice comes from a finfluencer or a bank manager, the financial loss for an investor remains the same, says Dhirendra Kumar.interview “Indian market was the SRO PURE OTT biggest surprise this year” ea) With most global markets doing well in the past year, nothing is cheap any longer, ace investor Jim Rogers tells Kshitij Anand. ‘What do you think is the most under valued asset clasrignt now? Commodity ries have been volatile. Wat do you make of the siunp in siver prices? ‘Wich ste most overvaved asset clas right now? Jim Rogers whetsveu puttostaeeynow re you Investing in naan some other American investor and Chairman, Beeland Interests at estsockaurketsbave"Atthe beginning ofthe year, the conse ‘ioeextnney wellinibeyestyene Thee ae tat hin ls coming ovo he eins wt Coviastump and demand wil make a high Inadexp ‘camebeci So what happened? Japanese economy?financial ) annie PAPER WORK Emergency «|! ee {ak oumst svn sche he pre rena eer he fund amus fgtem hee eee a isn ee Eigiiity ‘rs fam ee ee ares yes Sunes the fst ees ns mace Tura per yar Te withraval ‘Inune sate ceria onatons Seer an wth scanned tthe 515 te arabe a the rst he ot neal ees St yer fron P| Purpose of withdrawal rhenoses sch atop a cat, meal vente pura aishanispriemisnot atoniseiigtnsandheshauie Of asain hows and arcing ; ae et avoidsicha sition seme hires wees ‘Saksham isa.32-year-old fashion design: er working from his studio. He ispaying ahigh oan EMI, which isnearly halthis ‘monthly income, forthe studio. He has Withdrawal process the ark or post oie Dockedafathatsnereompieton and Regaining Susneterattena mrss revenefiomishistesbutsheeke RATE ty ieee beetune see, eR eg Canmesthisoblatonscomtorby.ne Toone teeta, ecm Seeaeaeaten et Snsateecqibhsiomcidatttn, Seceatincectithe” Saunier, Relates Asaselfemployed person.andgiven the satiessncomedsesotinin _etcaptalrencinein te natureofhisbusiness,thecashflowisir- Gseapecteaiurmaynavetoues—"Overthelonyterm, Sasha Documents regular. Attheend ofevery month, he is, ermyersonllontommethis shold ave asevingandinet Depending ne pupa ‘worried whether he will have sufficient reign. Sakshnn etsy nace ht lene swat he scare money inhisaccounttopay the EMIs.He estuntineroethemersvrs”tohininme Hensdsepid.—_ensgh Saab tcea ‘wants todeal with theseanxieties ina find Howie Stepan ean ro ese eto better manner: Whatshouldhedo? Income Additonal ionesliony scarring Nam iT Cece Glo Advantages of digital gold Data Protection Act is Here! 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