THE Economic TIMES RELIANCE, or a AMONG TOP : CREATORS J Add a sparkle of 9. 009 pa A financial security 5 ‘onc taal > : : Sezione esberst ute See! gid a si If your insurance policy is not suited to your needs, surrender it to avoid further pain. Pee aig SOT SLOT UPVC Loe) h 3GET RID OF BAD INSURANCE NOW If your insurance policy is not suited to your needs, surrender it to avoid further pain.I makes more sensé to surrender a policy early than to continue it and lose more: A oad EEE ff” Cit ETT ey rary PET Inga ayaralaanonsirm — jnanitinmneno.teicrm “A lot of policies “Closing a bad feraninmranespianontnondeicearber fetal Sarmahaenadenenaanisens, a OUght from insurance policy tmauinyfaernaieneteyibeinar —tisshpatteitesiebaerisonn fiends or relatives is like getting nto! sinter, Che siema ee Invematemmenoneyinehnrstenins” —underSeetante kLSSfindvaremnm — FeSearch. It'sonlya extracted. The hicaeparcannersyet— Iquranemedsvorvieindiia’s, TW Years later that earlier you get it sinsntinaigatasens | ntonaieneiigarne —te Duyers realise done, the sooner gamer lpuainga roc ase menpiamarenmtcoverinayoatemst — those policies the pain ends Spoualtathapstayeesteomentic —thwesiswbecbe "don't match their and the recovery SSiittpteteawstiare tienen tamer’ financial goals.” begins.” cern mo sn as mn fy anos Spucsnsponeteies name ayer sc eet or akamains ane Calculate returns from your insurance policy The IRR function in MS Excel is an easy tool to use. bySameer Bhardwaj om Four mutual fundsand tes. Moafundhonses meat aan Intinsthereurn treme insurance ley snatseas. Thesurance remfumsarepaidower several yes Theonly oonforabapristodo scallion ole The RU tellyouthereturnsthatapatiey ales. 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A sentiment om Deenchosenteamnatbechangedauring —pajercansllgnwitibecdrevimewhen Inst THand geared hese canbeesined propucr rauncues | Now, tokenise debit, credit cards via Inter- net, mobile banking for online Mallee tons a ‘32 MUTUAL FUNDS se eet Fn ro Ace sy se Alecton rand nage ened nest ‘bankas wll asardiscing nt erences eet fod bul vest ts acs ‘ore aptletonsRatereamorste ity 30 {2 BANKING SanegsAcou aro tlre sens aco Steers ped 1625 years Hs cay terse ond {ors es sot Calero top {oes pons interest rate cones on eueton leon ondeompletenavereproceingtee ‘ctorastherteaton, — oracardnetwor soe (ey,guest oi Different types of savers Finding the middle ground between cautious saving and extremely risky derivative trading is the best option for most savers, says Dhirendra Kumar. h _tereoees erate MONEY SurtsaSyananttgcnasotemneris MYSTERIES ‘ony being sted bat tetseny conte \ os trougoutthecaersearaasif a SSE investments that ean underperform Teall the ‘chronicmaximiser’ They aretor ‘nina few, then ose afew more, bleding Srv: | Sikeceenera, eee racers ee | ee eam eee er anmanelmccntisettr —— Sokoban eee reeatatametn Saray oc Seabee tmonmamaive | iahettaetsnrsstecchie, Saeeccanig ens tm sehaei utentac ens ends in financial rete, andl let afew years pass, they willdofine.tn _gressively toamplify their derivative bets, ‘often come to ruin through dangerousde- Possilefundsorearn the highest possible bility. 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Asmeraloalth Imoremealbeaknbraksarsstotas ‘tout harming tnvitaleaeces KNOW YOUR TECH Being tech-savy is n0 ‘anesientl sil atthe worklace ‘Master the technology platforms, boing see inyour ofc Be ‘9 resents Whe earn Sew technology flow a acatacy, soot owe ART OF NARRATIVE tna word of ta and ‘excessive infomation, your fam 0 manager oo not have Gan you make serse of ana fe stary bess the numgers? What does t mean for Us sara the ar af narrative From master ‘Soy teller at ark and improve resenessy E-LEARNING ‘eas education. Ina roa ‘iting joo mari expenence raters more than crates For new eso teen ere trgerance not eaiable ne ‘Sil wil rete ace You Fares i you ae not constnty eb andoasise ‘THE TEAM DREAM. 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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, f 1 1 E UcHowsingrimae 2 eboaary Projets 302 SsemarcaraMetrenan £3 ts bak 77 Aercindomiaims = ‘oatoTves non vest, 6 Migepse usness 3635 sing sas voy aia 2 8 st a n 2 ocon no» cn Pors Sz no Fecal Bak non HeroNetcore ae trac caret et Saalreane » 3 rc n 2 EnoiraneTetnoones 3324 ‘Namah Ey Monarganenosa 3735 UmasetManoementco 39 33 ponies feet a TerentPomaciias «543 cert a) tea Labareres 50 1860 eos 195 199540 09215 s7aas 3725 157000 16570 15295 seas 30195 90365 15725 219520 ammo 1.06500 om noi an rsd nun wom 67 sa 1006 650) 38 5268 ma ma mau 859) a7 104 220 278 235 1366 ur 206 158 577 198 sm am 278 a2 166 108 a7 ome ose 05 607 090 os os om 313 000 ose 261 28 10 127 ow 0% on 025 oa ons 009 058 050 096 076 067 on 066 080 13 2.06 100 82 1d 138 130135 130-102 85 080 106 006 080.003 124 095 79) 085 001.24 106 037 10 199 091 os? ox 163 089 2 16 0 a 20 a 403 a8 464 00 396 385 aa 469 as a0 au 420 Least expensive stocks “Top 5 stocks with the lowest Dree-earings ratio f= Best PEGs 6 Least risky on stocks with the lowest one axaETW FUNDS 100 BEST FUNDS TO BUILD YOUR PORTFOLIO ET Wealth collaborates with Value Research to identity 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. qurancccar qureancre ocr ourerum car our m a ourr-suautcar gure vaLucomiereD our ess LAGGARDS & LEADERS Taking ong term vw fun eur. ere Tonesmenchcapryveleosos wert mvs an ‘etagsrarftmay bes argon Your porto Pwxccanos | anaes Equity: Large cap syeeresm | 19.30 Equity: Flexi cap syeareim: 1as2 2ase suisoaset Ja] Gare renarine 13 228 mez 279 ‘20 1394 “nae ll 1987 Equity: Mid cap syeareuns mas 3407 1932 33 2007 308 a9 2995 Feekinesaria| | NOFEWesCpDiporansting 2139 29.05 Equity: Small Cap >was 2286 ant 2436 2003 2586 3688 zn 3583 2526 3076 Hybrid: Aggressive syne on ne Ucar atesuent] Gaeta 99 303 ovo nose) eRerPeBMseStal ney 1058 68 1078 163 0s "887 Stam ges oy easmart ss ETWFUNDS 100 __ ron acces cour onETED esr MEDIUM TOLONG TER Metedooey ssiuncrgy econ re cc el Q osss_ ‘Top 5 equity schemes based (on 10-year SIP returns eae a mn sus ae @ wosmirs See ae '5 MIP schemes based on SS hea os 3 SWP returns acta conerve ers Sonarnan cusses farenmrcoen ae a LR soe @:: Didnt find your tun ere? EQUITIES grout pany Mam esy imate nlp mien ‘Say ses nssieonses ‘acpi rt Scone ETENISNETSILTS” stetmtyaetestings =o devant ae ee Be ory a aiae io ena — a se Seeetmmamniena aadloans and ¢.@posits 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 Top five bank FDs ‘Towne: 1 YER cmeonatcy “tiger With effect from October 2019, all banks have made the transition to rerio ro. “ae Q external benchmarks for pricing new home loans Most banks have soak 20 wm nicked the RB repo rate 23 the external Benchmark one 1S ae NE Paes om i redone 33 8] 3) RSS a9] OMIT ‘rete = Porn ta (os am tee aa toto sreaon x 5 onkot aod sis 8a toeo tas tng serena0rs cet = Cn Jo San fen gan ss ao | tomas rumasvas a une ‘ote jodie pats tas fas | areas bereft Shee Indi nk i 01085 ass | notes Sam 1B kee Pun ingbnk as a ose 2aug2003 volo ts aa Corr tne i sae 1135 e200 oo toe vow ai ak | m8 cen vest 2 Gm orm nk sie fea tnov2003 seme aed reson metas i030 | tec rt yo a infarowrsesnt asst a | seve Suton sk as oa ne 120 ‘trees a Serr ico wae 318s vis anaya0 Top five senior ci Bandini | oe na 1332 ‘notes romeie vane vay so ata fem 7hova003 tao ten reso | 235300 toes heen Sere Oran ok Se stow oso 2sreo2023 eee pre ae sas tas bes 1903023 ume vans ve wm YOUF EMI for a loan of <1 lakh men tio ae 900 a6. oo 7 20 “se vs [aan 1a we we 7 1> ae ED | aan 1207 oie 0 5s coe qm [am im 1978 we 8 ste ko ie eaten ie 2 estan cess Top five tax-saving bank FD: eae a amarket | we ail | 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) (¢) Silver (e) Platinum ($/troy ounce) WTI Crude ($/barrel) Bote fon aoecaons| [Steen ndeeien [? Sei oeenans| [~eathon rovicion CHANGE meek 0.1% ween 0.75% tweex 0.79% rwex 3.34% sean 13.96% svean 9.35% twa 3.29% swan 5.34% PENNY STOCKS UPDATE —~ = Penny stacks as a recommended non-traditlanal investment? Not exacty, ET WEALTH helther ha the expertce nar does it recommend investing in such stocks. But since the = Felatively tow cost of investment attracts some investors to penny stocks, we provide . 8 weekly snapshat of ths most volatile and uncertain type of stock investing, = Toppricegainers Top volume gainers DiogenPramaclenind 161 952 |A06aA| 7679 26853 10507 Econo TageOmsa) 6608-20292 | amBas| 31 asia 799 sae |-susa | 9025 11095321027 bombo Takes, 38) 431342004 | agonse| 2322 Iraesie'wons aay tos [iskam| 945 077916501 S45 -1se1 2225 2085 | zemae| 13625, Reianevonefinane 350 2027 | 749 | 4507 108012 16977 TeanaPogictonH@ 105-1250 «55 1130 | s@eag7] 9083 Rsameratival 103-804 [RAS] 520° 15019 1643 SantmuovNeda a6 -3a7 sz om |iasrame| 7436 Aone Teties tide) 092 3529 | 6140 | 35601 2706911730 Womans ueweiey 7211977 3352 08 | sa7aat] 2126 oceneneerne 239-878 |aaao| 34162 6000 21020 Charerediopisis = 745-1346 5053 za | apeael 7536 fastest rolings 901-624 | $800 | 818 332179870 «BAG rimsuNesa 8883.62 4208306 | a006a) 17576 Fessorwsresontans 435-842 [isaza| 12036 7788 74368 OssKeeplewmne 636-742-2669 on | xataze] 5292 aya Poets 93 iste [see | 13714087578 Wa yee 1386 96513025 tamasa) 21027 Top price losers Top volume losers rr ererpises aay aeiz (-saae)| sae 36375877 ampurcamee e674 929 1303 335 (eas!) seoe eenmupeseveters 128-1268 | 3474 | 1981 53683 1625 © Darube muses 6.28 ae 10816 | gaze | 49.58 FcnoTrasecisal 605108 |-as290| 115 sos075 a1 —zeeLean 50a 740-7043 391 saat) 19175 se ote 21s 442 | 2500 | 12383 53912 9249 Weeomseues——=sg65—= 367-2592? | aaa. | sss nuvi Uronsrutue 399050 [zara] 171-1695 6958 Zen Sel Pes 625 1052-758 126 |vanst|| 9953 Gata Gora Prodcs 347-837 | 2387 | 950 14729198 = uhwwaaedaamra 511989907133. | aaa | ars Fw esyierasnens 266 -a59 fiaaazi] 133219175367 Contorimen sis 1326 1268 974 |-anon| 29271 Aksar sore 545 tsa) |-r228 | 065 207176 1925 Saesiwarfoos 535963238 aa7_| ago | 52366, Zeeleen see 740 [amas] 391-5031 19175 satannoa Power 932 352-302 22233, | amas] sponse sv nes 360s (ag) 1219366198 ——_aCtintCom iets 868 267 Cus) asi. Outperformed during 2023 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 es Poknese-nomereterns. (8) ars aan aor cane 2 75) sgs 1534 00 20 MaY 2009 foun LARGE CaP nan vest san senicore © The fund nas comfortaply beaten the index over the nervy tog rota ast Year bugs behind aver tres and five years TO Rolling returns (%) sre atone 100 "100 ne eoesenano sou aeccouenses 238 @ "Song term track record indicates modest eur to10 ‘utperformance across three- and five-year te frames. {fo redemotion ‘hin 20 aye WHERE THE FUND INVESTS Portfolio asset allocation FUND MANAGER BBHAVESH JAIN (LEFT)/ ‘SHARATLANOT! C © ‘he fund retains a modest presence in EYBRANGY ime eape apart fram i large-cap sk ssous0n0 Heong Peers pcre rere eet tee a a eee ecient ee ee Feeney ‘The portfolios heavily ited © ‘ona tinned “oo 5 sks in oro 8) The fund isheavily versie, but © retains arte postions in top ets Recent portfolio changes co Blue Jet Healthcare 81 infrastructure (oc Balto Birla Coptol DLP lor Bring nests, United Breweries (Now i. 50 ils (Kalarmandi (Oct Blue Jet Healthcare isi Gal nla), cujara Fuarochemicls, Solr industries ina, Syngene international tals. Therma, Torrent Pharmaceutical Zydus Lifesciences Now How risky is it? Fund category inex Sunt eaten san as sereroc = MEET ons csr veneers EY sens ‘The fund's risicretum profile counts in © the top quartte mits category. eared rere Piper secaPrince Pipes: Competitive advantage Strong demand for PVC pipes, value-added products and capacity expansion to drive performance. "Relative performance TS SP GE TE Dueoraawte: FEDS yaaa 1.300 VarunBevereees AxisSecurites uy, BharatEkctrons ——Sharetnan Buy Infoedge Numa Buy SB 20 Tega nsties| sms fy oss 12 IoFC First dank Com uy a SELL Torrentromer Geait sl 9 ss 103Old regime can help save 252k tax Sudhir Kaushik of TaxSpanner.com tells readers how they can optimise their tax by rejigging their incomes and investments. ia as profssonal \ ‘meebo opto odor now asennad ee Deas abun 2soom Scicnielganct ane essa ‘company ane nvests inthe pension Fue reimbursement 40.000 ae uncom Eons 2400 aaa eer, Neepaeserd eel som clone, 7000 ery EroojesenibabtoPovdetrd 21600 ere ——_—_— 5 ‘LSlakh deduction unde Section 800, ‘Next hesbul op fr theNPSben- FtintheNPSonbalfetiey —} INCOME FROM OTHER SOURCES nolo ofan NPS every Interest ‘6000 {too Anater nea besared et a ‘fheinvestsesnoovintheNPSonbis ‘capital gains ‘asuteseetion oCCDO) 8125 Tomar should pute max fthmcoepusineguly nde, Tax-saving investments ge id ti ness rover 7 600. ‘nar Provident fund 260021600 tse, ss 0320000 | “Sete Lie inaurace ooo 14 onic ame ake NSuncerseesoccout) 050900 -| savngontn, Other deductions Hea exon 1120000120000 fucatonbaninteest 5090060000 esiainsirance 23500 23800 TOTAL INCOME FROM EMPLOYER “430,000 240,000 teaatstnane Portman © e732 ste 40,000 24000 6.000 14,000 72.000 21800 _uperovetoae samoensioe 49000 ‘ace ‘sien © renscisapitentoinvene @ dents nsHente EK Sanjay Tomar’s tax CURRENT 1137663 | 1872 | 0 ¥4,39,535 suscesreD ‘TOTAL TAX SAVED a 52,939 [eae PER YEAR ceed caxceavo | oaltnaetc ema ene 9.0% 5.6%mutual “wine: uae ale) DOCTOR Early retirement possible ‘~ with minor hikeinSIPs) =< whether ‘Amit Sareen is saving for his children’s education and retirement. Here's what the doctor advises: they have invested in PORTEDHO — Uemattanon [|rcrnsteron|| aemesees || mmepntacoum | STON Someta rumen ruureccer nave ‘ristinart | trad The Prtolo ena isan elon ‘oaean tack The Prtilio oye = health of the fund eamemesven a Eo eo portfolio, examines the Savor foedaeosis soseneao] ol ats Sense ee ‘bed bulges suitability with regard to Serco sina Leeseorenae espn ih einen, — __ required, recommends Dantoiowesoo¢ gy |acyaaiias.EwtyAdvanam | 592358 ‘Suakaaashertnaionngserote> corrective measures. The tet ‘povevsre ti. ac a advice given is based on escmnen asco Simons tomesa rs he eoronmaece onthe Torminusenenes funds, the risk profile of reste dong. 75481 CortneSPrintousindeeineecoted | 35.00 ® the investor as well as oon 72sc0! mincupinsneanevetcetmerisran | of his financial goals. «¢Retatincone trom hoy nome can suas! veins cota : Seer] Sepa Soe oration eee Toone inraed ConaraRobectmerpingEastcs 612517| 15,000 ts marc annals ° rcoe Sot oPPF INFLATION aucation Focal seountiopvest | |rurkininaaFiexican 641,190 i 5000] “expenses ote gals Diy toporteto| ‘Setar Susy ‘dulce ‘eouytemiteinar cc Prva scovery 526833 escorts owes) yoo00] PC fcafaleste2 | | Pauty ante es3600 . cern Gretosaeguse perenne ie any mete Noctet Ecuty funds Debtogtions siarcaleens. || ktaaances advantage xz aaa al ei sesh tae y ae, Ninn inci Sma Can 40676 Snismrtonoeontodatopoe blr orrraios the doctor GEE, nsec uopon ara a0 ° cseytctaciom mua inert bya “se navoutameg ns Coie SP as eran ‘aysnnineto Porat arkhexcap sonses iskaawmeremegt cine incre ‘eden sconiveriwe | [rawaoneanomerentes oars omnes at WRITE reor6. nds [steps TOUS srecuseaaxty 906725 seit iocriee Semen om * FORHELP tn sitemanitn, eae eine merece ‘hotmeymoerttecannt ris ana nce ataae ‘hewat estore ase resi LE seater er inayear Fron valet te reeset fehenrstaien a prs xen aansrrateaS00w {juve goalisrearso «+ Shutnacl ana fore you fhatyeusont aaa ‘oxmecmoving orate Dowie Tee rsthe trae Ml Seca mt yureatr ea Seinyour feedback ®: (i) Readers’ response, online and in print, to ET Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. west wee taterdowesanatrgielndsanepen Fecentwapetesot Jasna angsty OS aT ear a) One in two would prefer to take loans online, states a recent survey by Home Credit India. = 5a. 44% borrow for phones, home appliances pees ae ‘rage into Gen Z biggest online shoppers, bankers RESIEER, oot Me? Mtewis cen ovine soon sn Optimistic outlook IniheadPhesery adie Snchaing he fourteen fom the US, roustnes, Withanoptimisticoatoak fr 202k thestory odvacs vestorstona ‘compa contain no lnveatentis ob sea ning / ryan Givin anda daring thecarentsmalleap bulla Saree Snaral 1in2 prefer 5 SE 29. online mode = totakeloan, = ee but 52% went 5 tobank/POS jn 31. last year; A 52x anit” ater nan Nearly 50% would E-commerce pat. forms top choice for 59% got loan offers eet embedded finance ‘on Whatsapp; 24% 6 ne trust these offers some ‘soos EMicards Bla encne ons preferred Sr — medium for 39. on taking loan Skcsaicre Be on no