Can you be a Do-It-Yourself investor?

THE ECONOMIC TIMES Tue, Jun 28, 2016 | 08:01 AM IST ET Wealth Newsletter

WHAT’S HOT #HowtofileTaxReturns, #HealthInsurance, #TermInsurance

Can you be a Do-It-Yourself investor? Managing your money may seem easy but not everyone has the necessary skills. Find out if you can be a DIY investor. Can you manage your money on your own? Take this test to find out Take this test to find out if you can manage your money on your own. Direct plans are hurting the mutual fund industry: Tamanna Varma, distributor Online investing is not the same as online shopping. The regulator seems to believe that a cheaper product is always better than a slightly costlier one. From our Partners Are you financially literate? Find out how clear you are about investing Though the financial services industry claims that it is spreading investor awareness, a significant percentage of educated Indians remain financially illiterate. From our Partners What is not covered by your motor insurance policy If you know anything about insurance policies, you know that nothing in that cover comes without an asterisk mark. While what is covered is written in big and bold, the exclusions, terms and conditions are often in fine print and also loaded with jargon. Your car insurance policy isn’t any different. How Brexit will impact the Indian market Though markets opened with a modest cut, they recovered later in the day, mostly on account of the FDI reform measures announced by the government. The 8 best large screen smart phones you can buy The biggest attraction of phablets is their big screen. ET Wealth lists some of the best available and upcoming large screen options. How to travel abroad on a shoestring budget International travel can be an expensive affair. Here are a few ways to make it easier on the pocket. Why India needs fearless leaders at the helm of its institutions India awaits an institutional structure that is strong and free from corruption. For that, we need leaders who are fearless and totally committed to their jobs. From our Partners How to customize your life insurance policy with riders Riders are additional yet optional benefits in a life insurance policy and provide a financial cover over and above the basic sum assured. From our Partners How to be on the right side of debt Over-dependence on credit cards to meet day-to-day expenses may lead to a debt trap and if not managed properly, the damage can soon become irreversible. Here’s how to use plastic money and still remain debt-free.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It’s that easy. More Calculators

Bad work culture biggest worry for employees: TimesJobs survey Here are some key findings of the survey that had 1,000 respondents from across sectors and locations taking part. Why you should review your retirement portfolio periodically Should you continue saving the same amount year after year? Or is it time for him to take stock of whether his retirement portfolio is on track? Family finances: Pune-based Shrigadi needs to revamp insurance, investment portfolios "I may be late in starting with planning, but I want to start saving and build a strong portfolio in the next five years,” says Vinayak Shrigadi. Above industry average growth, launch of petrol 3-wheelers have made Atul Auto analysts’ pick Atul Auto has witnessed impressive volume growth for the last several years compared to that of the domestic three-wheeler industry as a whole. Bengaluru-based Gupta can cut tax by changing salary structure, investing more under Sec 80C Read on to find out how to restructure one’s income, investments and expenses to optimise the tax outgo. Delhi-NCR-based startup Dhobilite’s cleaning services are gaining traction Besides laundry, Dhobilite also provides dry-cleaning, car wash and shoe cleaning services and is looking to add house cleaning to its bouquet. Cashless treatment top requirement of 96% health cover seekers in 4 Indian metros: Survey A survey of insurance advisers in four cities revealed that awareness about different kinds of health covers remained low. Five smart things to know about charges on your credit cards These costs may be in addition to the routine interest charges and penalties that will be levied on the unpaid dues on a credit card. How to apply for a home improvement loan On submission of application, the loan may be sanctioned if found in order and a repayment term of up to 15 years may be provided for repayment of the loan. Normal monsoon crucial for the rural economy: Saibal Ghosh, Aegon Life Insurance "Added to a good monsoon, timely passage of the GST bill and benefits of the 7th Pay Commission will also keep the market mood upbeat." SBI Magnum Midcap Fund: Superior risk-reward profile ET Wealth examines the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. Alternative investment returns monitor for week ending June 23, 2016 The scope and attractiveness of alternative investments is increasing. Here’s a weekly tracker of returns from such investments. E-tailers may soon sell insurance Irda, has come out with a draft regulation on selling insurance via e-commerce platforms to help increase insurance penetration.

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Will D-St take Brexit on stride the way it shrugged off Rexit?

THE ECONOMIC TIMES Fri, Jun 24, 2016 | 08:01 AM IST ET Investment Opportunities

NOT TO MISS #Stocks In News,#Recos,#Expert Views,#IPOs,#Commodities

Will D-St take Brexit on stride the way it shrugged off Rexit? There has been an understanding on the Street that the market is impulsive and caters to short-term reactions, but latest evidence shows it is far from truth. Mahanagar IPO a big hit! Issue subscribed 64 times Investors bade for 61,85,74,495 shares, or 35.66x, the issue size on BSE. On NSE, 49,83,41,025 shares were bid for, accounting for 28.73x the issue size. 1 of every 3 PSU stocks bled investors in last 10 years 43 BSE PSU index stocks, which were available for trade 10 years ago, 16 are quoting below their decade-old levels. MTNL was the biggest value destroyer. Sectors on forefront to lead the next surge on Dalal Street In 2015, these sectors were among the beaten-down ones, but in 2016 so far, they have been on the forefront of D- Street’s charge to regain its lifetime highs.

Advertorial What is not covered by your motor insurance policy If you know anything about insurance policies, you know that nothing in that cover comes without an asterisk mark. While what is covered is written in big and bold, the exclusions, terms and conditions are often in fine print and also loaded with jargon. Your car insurance policy isn’t any different. Advertorial Are you financially literate? Find out how clear you are about investing Though the financial services industry claims that it is spreading investor awareness, a significant percentage of educated Indians remain financially illiterate.

Want to ride the next bull run? Tips from Street honchos If one has an investment horizon of 6-12 months, there is nothing to worry about. And one should use any dip in the market as a buying opportunity, say experts. Brexit or no Brexit, no stopping India’s bull market Experts believe that India is in a sweet spot and after a knee-jerk reaction to Brexit, should it materialise, the market will against begin its uptrend. Everyone is selling fear on D-Street, be gutsy, buy stocks! One after another major risk-off events have been driving the capital markets the world over. That fear is represented by a surge in volatility in the indices. Rajan’s exit opens three wounds Considering that the govt is yet to announce a successor, and Rajan’s term ends only in Sept, the news could have been made at a less jittery time for markets.

Advertorial Why you should buy insurance policies online and save money Advertorial How Adverse Selection affects your insurance claims

Is the weightage of BFSI stocks in Nifty justified? Historically, the earnings share of the banking and financial services (BFSI) sector in the earnings of the Nifty has always been lower than the weight. Worried about high valuations? Opt for STP route In a STP, an investor typically puts in a lump sum amount into a liquid fund and then systematically transfers it into an equity fund.

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Sr XXIV-XVII (1098D) Direct-D Debt: FMP Closed-end 14 Jun 2016 28 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XVII (1098D) Direct-DY Debt: FMP Closed-end 14 Jun 2016 28 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XVII (1098D) Direct-DQ Debt: FMP Closed-end 14 Jun 2016 28 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XVII (1098D) Direct-Flexi D Debt: FMP Closed-end 14 Jun 2016 28 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XVII (1098D) Reg-Flexi D Debt: FMP Closed-end 14 Jun 2016 28 Jun 2016 5,000 More >>

Real Estate News

Tata Realty, StanChart PE JV buys M3M land for Rs 250 cr "The JV bought 25 acre from M3M for Rs 10 crore per acre. The deal was closed in the first quarter," said two people aware of the deal.

Worli new housing destination for super-rich: JLL India In recent years, Worli has signalled its emergence as a prime residential destination, with a number of big-ticket realty transactions taking place here.

Tata Housing sells over 200 flats in Gurgaon for Rs 300 cr Tata Housing MD & CEO Brotin Banerjee said: "We believe that the overwhelming response to the project since its launch is an indication of its success."

REITs to be a reality, first listing in next 12 mths: CBRE REITs would bring in the much required liquidity in the real estate market with expected investment from retail and institutional investors, he added.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv UTI Dual Advantage Fixed Term Fund Sr III-II (1278 D) Direct-D Hybrid: Debt-oriented Conservative Closed-end 21 Jun 2016 05 Jul 2016 5,000 UTI Dual Advantage Fixed Term Fund Sr III-II (1278 D) Reg-D Hybrid: Debt-oriented Conservative Closed-end 21 Jun 2016 05 Jul 2016 5,000 UTI Dual Advantage Fixed Term Fund Sr III-II (1278 D) Direct-G Hybrid: Debt-oriented Conservative Closed-end 21 Jun 2016 05 Jul 2016 5,000 UTI Dual Advantage Fixed Term Fund Sr III-II (1278 D) Reg-G Hybrid: Debt-oriented Conservative Closed-end 21 Jun 2016 05 Jul 2016 5,000 ICICI Pru Capital Protection Oriented Ser X 1375D Plan B Direct-D Hybrid: Debt-oriented Conservative Closed-end 21 Jun 2016 05 Jul 2016 5,000 More >>

Views and Recommendations

Sell Tata Power, target Rs 66: Pritesh Mehta 23 June, 2016, 01:53 PM IST Tata Power is a low beta stock (0.50) and is trading well above its 50-day, 100-day and 200-day moving average of Rs 72.15, Rs 66.17 and Rs 65.89, respectively sell Buy Hexaware Technologies, target Rs 239: Pritesh Mehta 23 June, 2016, 01:53 PM IST Hexaware Technologies is a low beta stock (0.10) and is trading well below its 50-day moving average of Rs 223.54, but above its 100-day and 200-day moving average of Rs 235.35 and Rs 239.65, respectively buy Buy GPPL, target Rs 182: Pritesh Mehta 23 June, 2016, 01:52 PM IST GPPL is a low beta stock (0.13) and is trading well above its 50-day, 100-day and 200-day moving average of Rs 163.20, Rs 161.98 and Rs 164.24, respectively buy Buy Coal India, target Rs 340: Pritesh Mehta 23 June, 2016, 01:51 PM IST Coal India is a low beta stock (0.17) and is trading well above its 50-day, 100-day and 200-day moving average of Rs 292.55, Rs 298.89 and Rs 313.59, respectively buy

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Eight money tips to help young earners plan their finances

THE ECONOMIC TIMES Tue, Jun 21, 2016 | 09:29 AM IST ET Wealth Newsletter

WHAT’S HOT #HealthInsurance,#TermInsurance

Eight money tips to help young earners plan their finances The twin behavioural devils of ignorance and procrastination push most people into their 30s before they get down to streamlining their finances. Just started earning? Take this quiz to find out your financial personality Take this quiz to find out how your personality can shape your investing and how to overcome the pitfalls. Young earner? Five financial mistakes you may regret later Find out how to avoid these stumbling blocks to ensure a smoother start to your financial journey. From our Partners How to customize your life insurance policy with riders Riders are additional yet optional benefits in a life insurance policy and provide a financial cover over and above the basic sum assured. From our Partners How to be on the right side of debt Over-dependence on credit cards to meet day-to-day expenses may lead to a debt trap and if not managed properly, the damage can soon become irreversible. Here’s how to use plastic money and still remain debt-free. Should young earners take their parents’ advice while investing? While every generation thinks it knows best when it comes to investments, today’s youngsters have more educational and decision-making tools at their disposal. How young earners can grow their salary with their career Career is the single largest contributor towards your well-being and wealth. Spend time to make a long-term plan and follow through to enjoy the rewards. Personal finance apps to help you manage finances better There’s an app for everything now, and there are dozens that try to help you make, save and manage money. ET lists some personal finance apps that can do wonders for your wallet. Should you invest in the upcoming IPOs? Find out Investors can pick up the good stocks from the secondary market once the hype generated by the IPO fades and the counter settles at lower levels. From our Partners How to plan for child education expenses Rather than making investments on ad-hoc basis, it’s crucial that one puts a plan in place to meet child’s education needs. From our Partners What are Term Plans? By Shrutika Nagpal A term plan is a specific type of life insurance policy that provides protection for a definite period of time or ‘term’. In the event of the unfortunate demise of the insured person during the specified term, the insurance company pays the beneficiaries of the insured a pre-determined sum of money. Term plans are the most economical plans out of all life insurance policies as they provide life cover at cheaper premiums.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It’s that easy. More Calculators

NRI shifting back to India? How to manage assets during relocation Kapur should be aware of the fact that he can hold on to his global assets for a while, even when he settles down in India, and make his decisions accordingly. Smart things to know about Income Declaration Scheme 2016 Income Declaration Scheme 2016 is an opportunity for those who didn’t disclose income or pay taxes thereon in the past. Don’t get confused by multiple investment options: Start early for better returns Too many options can be intimidating when it comes to making investments, but the sooner you start, the better returns you will reap in the future. Family Finances: Early start with savings to help Kulkarnis achieve financial goals easily "I want to know how to invest for the life goals, including our child’s education and retirement” : Abhijit Kulkarni Reasonable valuations make Jubilant Life Sciences stock analysts’ favourite A 65% y-o-y increase in net profit, approvals for new generic drug applications, reduction in debt, and resonable valuations have made the counter analysts’ favourite. Startup Tpot’s tea chain offers ‘chai-nashta’ in cafe style Founded in January 2013, Tpot offers a wide range of freshly brewed teas and snacks in a café-like setting. My Enterprise: How Narendra Bansal grew Intex Tech turnover from Rs 1.18 cr to over Rs 6K cr From clicking pictures using a borrowed camera, to establishing a billion-dollar company, it has been a remarkable journey for Narendra Bansal. HDFC Prudence Fund: High risk scheme with stellar record ET Wealth examines the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. How to make a health insurance claim Policyholders can make health insurance claims either through cashless or reimbursement mode. Alternative investment returns monitor: For week ending 16 June, 2016 The scope and attractiveness of alternative investments is increasing. Here’s a weekly tracker of returns from such investments. Should you ride the rally in NBFC stocks? Niche play, likely rebound in rural consumption and good asset quality have lifted NBFC stocks. ET checks out their real-worthiness.

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Confused on Dalal Street? Let Buffett, Jhunjhunwala guide you

THE ECONOMIC TIMES Fri, Jun 17, 2016 | 08:04 AM IST ET Investment Opportunities

NOT TO MISS #Stocks In News,#Recos,#Expert Views,#IPOs,#Commodities

Confused on Dalal Street? Let Buffett, Jhunjhunwala guide you "What we learn from history is that people do not learn from history." That’s Buffett. And that’s probably more relevant today than any time in the past. Rs 1L in these stocks could have earned you Rs 72L in 5 yrs It’s not easy to strike gold in stocks. But it’s common to miss out on opportunities. Multibaggers are a rare breed, but they remind us of the power that equities wield. Share buybacks may turn PSUs investors’ darlings again The Nifty PSE index, a gauge of public sector enterprises on the NSE, has fallen 17% in the past two years compared with a 7.5% rise in the benchmark Nifty. As GST looks ready to roll, focus turns to these 40 stocks Market closed flat with a negative bias on Tuesday but recouped most losses on hopes of GST bill getting through. If implemented, GST can lift India’s GDP by 2%.

Advertorial Retireometer Take the Retireometer test to find out how prepared you are for Retirement. Advertorial Risk Tolerance Calculator This psychometric test will help you in narrowing down on your investment decisions.

Bear phase for pharma pack! 10 stocks fall 40% from highs Nifty Pharma index is down over 20% from its 52-week high of 13,753.50, which indicates a bearish phase for the index. Glenmark, Cipla are among top losers. Commodities enter bull market! Should you buy metal stocks? The bulls are back in the global commodities market. Companies such as Hindalco, Vedanta and Tata Steel have gained as much as 40 per cent so far this year. 800% return in 5 yrs: Now showing grand growth curve for PVR Shares PVR recently scaled fresh lifetime high, but if the ongoing growth drivers remain intact, analysts expect the stock to hit the Rs 1,000 mark soon. Mark the stocks that are getting jittery about Brexit vote Should the outcome of the ‘Brexit’ vote lead to a disruption, it would create a lot of uncertainty, potentially hurting their investments in the region.

Advertorial 8 health insurance jargons explained The fine print of health insurance plans and the insurance jargon may cost you dearly. Here’s an explanation of a few common terms used in health insurance policy for a better buying experience. Advertorial What do you do after a car accident?

Bill Gross’ supernova explosion can be great for D-St If you are puzzled what this supernova is, worry not! We have you covered. A supernova is a giant star that emits a lot of light before its final explosion. The bulls can’t stay away from D-Street for long: Here’s why Whenever there has been double-digit growth in earnings, the Sensex has rallied 20 to 77% in four out of six times, data collated by ETMarkets.com showed.

NFO (FMPs) Fund Name Category Type Open Close Min Inv HDFC FMP 1127D Jun 2016 (1) Reg-G Debt: FMP Closed-end 13 Jun 2016 20 Jun 2016 5,000 HDFC FMP 1127D Jun 2016 (1) Reg-DQ Debt: FMP Closed-end 13 Jun 2016 20 Jun 2016 5,000 HDFC FMP 1127D Jun 2016 (1) Reg-D Debt: FMP Closed-end 13 Jun 2016 20 Jun 2016 5,000 HDFC FMP 1127D Jun 2016 (1) Direct-D Debt: FMP Closed-end 13 Jun 2016 20 Jun 2016 5,000 HDFC FMP 1127D Jun 2016 (1) Direct-G Debt: FMP Closed-end 13 Jun 2016 20 Jun 2016 5,000 More >>

Real Estate News

New exit policy to help Noida realtors surrender surplus land Authorities of Noida, Greater Noida and Yamuna Expressway will soon firm up a proposal on this and send it to the Uttar Pradesh government for approval.

Builders adopting out-of-the-box strategies to revive projects According to data from property research firm Liases Foras, a third of more than 25 lakh apartments launched between 2008 and 2014 were delayed by at least a year.

MHADA speeds up redevelopment of small colonies Mumbai has a total of 104 MHADA layouts, of which 56 colonies are old and dilapidated, and most of them are spread over less than 2,000 sq metre.

PE firms find shortage of quality office space to park fund New projects have started now as demand for office space has improved among corporates. These new offices, however, will take a few years to come on board.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv ICICI Pru India Recovery Sr 7-D Equity: Mid Cap Closed-end 03 Jun 2016 17 Jun 2016 5,000 ICICI Pru India Recovery Sr 7 Direct-D Equity: Mid Cap Closed-end 03 Jun 2016 17 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Reg-D Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Direct-G Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Direct-D Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 More >>

Views and Recommendations

Neutral L&T Finance, target Rs 85: Citigroup 16 June, 2016, 02:15 PM IST The global brokerage firm said that L&T Finance that the company is planning to achieve a return on equity (ROE) of 18 per cent FY19-20 target via cost cuts, higher fees Neutral Buy Shriram Transport, target Rs 1375: BofA-ML 16 June, 2016, 02:15 PM IST The global brokerage firm raised EPS by 6% to 9% for FY17/18E factoring in high volumes, and clarity on securitization. buy Neutral Crompton Greaves, target Rs 86: Citigroup 16 June, 2016, 02:14 PM IST Citigroup also expects a rebound in standalone power EBIT margins from historic lows of 5.1 per cent in FY16 buy Neutral Amara Raja Batteries, target Rs 926: Goldman Sachs 16 June, 2016, 02:12 PM IST The global brokerage firm sees growth opportunities in high-margin replacement and inverter segment. However, growth in the automotive segment also continues to remain strong. Neutral

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Are you buying insurance blindly? Find out

THE ECONOMIC TIMES Tue, Jun 14, 2016 | 09:34 AM IST ET Wealth Newsletter

WHAT’S HOT #HealthInsurance,#TermInsurance

Are you buying insurance blindly? Find out Thousands of buyers sign up for insurance policies every year only to terminate them prematurely. Find out how to avoid such losses. Why you shouldn’t buy insurance to save tax The tax savings from insurance is only an additional benefit and should not be the core objective. Companies heading for upgrade could yield better returns for investors According to current consensus estimates, the net profit of India Inc. should grow 12% and 18% in 2016-17 and 2017-18 respectively. From our Partners Retirometer A survey revealed only 27% of people in India say that they are very prepared and already saving enough for their retirement. In fact, 17% don’t have a retirement plan at all. Take this test and find out where you fit in. From our Partners What mistakes do consumers commonly make: KS Gopalakrishnan, MD & CEO, Aegon Life Insurance Which insurance covers are a must-have? Find out Insurance is a risk management tool and must never be mixed up with investments as it is meant to serve a completely different purpose. How to pick a projector for your home Watching a movie or a sporting event on a projector is a completely different experience from watching it on a TV. Why paying for good financial advice is worth it Non-finance professionals often don’t understand how difficult the field really is. They don’t know what they don’t know. How lessons learnt from comic book superheroes can help you manage money They can ‘save the day’ and in the uncertain world of finances, can be quite insightful about saving money too. From our Partners What are tax-free bonds and how they work In an era of falling interest rates, tax-free bonds are gaining popularity especially among investors in the high tax bracket. Here’s how to evaluate them before investing. From our Partners Why create emergency fund before starting to invest? When a financial emergency strikes, in the absence of an emergency fund, dipping into the existing investments becomes imminent. Here is how to avoid such a situation by creating a safety net.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It’s that easy. More Calculators

Bengaluru-based Kumar should stagger investments to meet all goals "As I have started working recently, I have not made any investment and want to know where to put my money.” — Akshay Kumar Doubling of marketshare, capacity make Inox Wind stock analysts’ favourite Experts believe Inox Wind should be able to overcome sectoral challenges and deliver growth. Investing in NPS, buying health insurance can help Sudarshan cut tax outgo Read on to find out how to restructure one’s income, investments and expenses to optimise the tax outgo. Six smart things to know about bonus in insurance plans Not all life plans are eligible for bonus. Plans can either be participatory, thereby qualifying for bonus, or non-participatory, that do not qualify for bonus. Be rational about revenue when starting a new business Most young entrepreneurs stumble when they realise money does not come in as smoothly or in the order mentioned in their business plans. Investment opportunities exist, but will take time to play out: Rajeev Thakkar, PPFAS Mutual Fund "If there is a scenario where overseas stocks are expensive and India is relatively cheap, we could bring our overseas equities down to zero." Why Byju Raveendran’s firm is leading in the educational technology space Founded with an initial investment of Rs 2 lakh, Byju’s started out with classroom teaching and later emerged as an educational technology company. How to shift a mutual fund SIP from regular to direct plan If you are a Do-It-Yourself (DIY) investor, it is important that you invest in the direct plan offered by the mutual fund for a particular scheme. IDFC Sterling Equity Fund: New manager likely to bring in change ET Wealth examines the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. Alternative investment returns monitor for week ending 9 June, 2016 The scope and attractiveness of alternative investments is increasing. Here’s a weekly tracker of returns from such investments. Is tracking high alpha funds the best move? ET gives a lowdown on why alpha may not be the top returns metric for equity funds.

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What your FD can do in 8 years, these stocks did in 3 years!

THE ECONOMIC TIMES Fri, Jun 10, 2016 | 08:01 AM IST ET Investment Opportunities

What your FD can do in 8 years, these stocks did in 3 years! While banks, IT, consumer goods stocks carry over half of Nifty100’s weightage, strong performance by some stocks did the trick for the Nifty100 portfolio. Top 5 private lenders Morgan Stanley is betting on Investors, especially domestic ones, have been waiting for a confirmation if the worst is over for the public sector banks (PSBs) in terms of asset quality. Stocks trading at attractive prices; can you afford to miss? At 2.5 times, Sensex PB is near its 10-year average of 2.7 times. The return on equity (RoE) is at 14.9 per cent, which is below its long-period average. 5 wealth creating ideas from top global brokerages Macroeconomic data shows green shoots in the economy. India’s recent GDP growth number at 7.9% for Q4FY’16 was largely driven by private consumption.

Advertorial Retireometer Take the Retireometer test to find out how prepared you are for Retirement. Advertorial Risk Tolerance Calculator This psychometric test will help you in narrowing down on your investment decisions.

D-St’s big dilemma over PSU banks: To buy or not to buy? All the constituents of the Nifty PSU Bank index are in deep losses for calendar 2016, shedding as much as 52 per cent weight over the past 12 months. Here’s the best bet for long-term investors on D-Street Stocks from the segment have surged as much as 61 per cent so far this year, as investors choose them as an indirect play on auto sector revival. Be stock specific, not all midcap stocks are buys! The BSE Midcap index surged nearly 12% in last 1 year. Midcaps are better placed to ride the economic boom, but stock picking is crucial for wealth creation. Looking for sureshot bets? Here are 4 firms to bet on For investors chasing stocks with past growth history and those which show future growth visibility, sustainable growth rate can be a good starting point.

Advertorial 8 health insurance jargons explained The fine print of health insurance plans and the insurance jargon may cost you dearly. Here’s an explanation of a few common terms used in health insurance policy for a better buying experience. Advertorial What do you do after a car accident?

Earnings upgrades highest in 10 quarters! Worst is over D-Street was teeming with earnings downgrades, with even the bluest of blue chips facing analysts’ wrath. But after the Q4FY’16, things have begun to change. Speciality chemicals emerges next sunrise sector Among the 81 chemicals companies listed on the BSE, at least eight have doubled investor wealth, while 12 others have generated double-digit returns.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date Yash Chemex Ltd. 23.00 07-06-2016 10-06-2016 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-G Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-D Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-DQ Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-DY Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-Flexi D Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 More >>

Real Estate News

Buyers of under-construction flats may get tax relief If the developer has already collected service tax, buyers would be refunded the amount with 6% rate of interest by the revenue department.

DLF ordered to pay 12% per annum for delaying flats The firm had to give the possession of the property within three years including the grace period from the date of letter of allotment till possession was to be given by 2013.

Realty power is shifting from builders to home buyers The National Consumer Disputes Redressal Commission has made several rulings in favour of buyers. Real Estate Act will help buyers some more.

How to sell your house for a better price A report by Mumbai-based property research firm Liases Foras estimates that the unsold inventory in eight top cities rose by 22% in 2015-16.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv ICICI Pru India Recovery Sr 7-D Equity: Mid Cap Closed-end 03 Jun 2016 17 Jun 2016 5,000 ICICI Pru India Recovery Sr 7 Direct-D Equity: Mid Cap Closed-end 03 Jun 2016 17 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Reg-D Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Direct-G Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 Birla SL Dual Advantage Fund Sr 1 Direct-D Hybrid: Debt-oriented Conservative Closed-end 09 Jun 2016 20 Jun 2016 5,000 More >>

Views and Recommendations

Buy SAIL, target Rs 46.60: Gaurav Ratnaparki 09 June, 2016, 01:51 PM IST SAIL is a high beta stock (2.16) and is trading well above its 50-day and 100-day moving averages placed at Rs 43 and Rs 41.57, but below the 200-day moving average of Rs 45.72 buy Sell Tata Communications, target Rs 430: Gaurav Ratnaparki 09 June, 2016, 01:50 PM IST Tata Communications is a low beta stock (0.80) and is trading well above its 50-day, 100-day and 200-day moving averages placed at Rs 423.27, Rs 397.01 and Rs 406.45, respectively sell Sell DLF, target Rs 130: Gaurav Ratnaparki 09 June, 2016, 01:50 PM IST DLF is a high beta stock (1.97) and is trading well above its 50-day, 100-day and 200-day moving averages placed at Rs 124.77, Rs 110.78 and Rs 114.97, respectively sell Buy Granules India, target Rs 149: Kunal Bothra 09 June, 2016, 01:26 PM IST Granules India is a low beta stock (0.60) and is trading well above its 50-day, 100-day and 200-day moving averages placed at Rs 129.10, Rs 122.19 and Rs 131.94, respectively buy

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How to sell your house for a better price

THE ECONOMIC TIMES Tue, Jun 07, 2016 | 09:33 AM IST ET Wealth Newsletter

WHAT’S HOT #HealthInsurance,#TermInsurance

How to sell your house for a better price A report by Mumbai-based property research firm Liases Foras estimates that the unsold inventory in eight top cities rose by 22% in 2015-16. Selling a house? Watch out for tax implications Selling a house means a large cash inflow. Here’s how to ensure that you don’t end up with a huge tax liability when you do so. What to do when campus placements for jobs go haywire Unrealistic salary expectations also hinders an aspirant’s job search. Students are often lulled into believing that just completing the course would land them “high paying” jobs. From our Partners 8 health insurance jargons explained The fine print of health insurance plans and the insurance jargon may cost you dearly. Here’s an explanation of a few common terms used in health insurance policy for a better buying experience. From our Partners What do you do after a car accident? How to make the most of this stock market rally Better corporate earnings, improved GDP, a good monsoon and GST bill will all play a part in how you can make the most of this stock market rally. How to deal with insecurity at work Feeling insecure at work may be part of your company’s design or stem from self-image. ET tells you how to make it work for you. How to choose a suitable debt mutual fund A debt fund can bring much value to your overall portfolio, if chosen properly. ET Wealth helps you decode the basics. How efficient are mutual fund retirement plans? How should you decide if mutual fund retirement plans are for you? From our Partners How to meet out-of-pocket expenses with Daily Hospital Cash plans There could be out-of-pocket and incidental expenses during hospitalization which even a Mediclaim policy does not reimburse. A Daily Hospital Cash plan comes handy in tackling such medical costs. From our Partners All about critical illness plans and how to choose one Buying a health insurance plan may not be sufficient. Get a second level of protection through critical illness plan for self and family.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It’s that easy. More Calculators

5 smart things to know about mobile money identifier MMID is a seven-digit number, issued by banks for effecting financial transactions through the user’s mobile phone. Should you opt for SIP or Value Averaging Investment Plan? Just like SIP, VIP also works better in volatile markets. But compared to SIP, you need to give a longer time periods for VIP. Debt mutual funds function under several constraints A debt MF functions much like a bank, with the depositor being a unit holder rather than a lender. Lack of support is among the many hurdles such funds face. Sustained asset quality, low NPAs make Bajaj Finserv stock analysts’ favourite Issues related to its insurance partner may act as a short term overhang for the company. Should you downsize your home to fund your retirement? Often people concentrate so much on building this one asset that they forget to save enough for other important goals, like retirement. Portals will be enablers and not replace distributors: Rajiv Bajaj, Bajaj Capital India is on the road to becoming a pensioned society. Instead of a parallel EPF or NPS, we need a single national system, says Rajiv Bajaj. How to lodge a PAN related complaint online Investors may have various grievances with respect to their PAN application. Here’s how you can go about lodging a PAN related complaint online. Investing more in NPS, tax-free reimbursements can help Minocha cut tax outgo Read on to find out how to restructure one’s income, investments and expenses to optimise the tax outgo. How much Sovereign Gold Bond issues have collected till now The fourth tranche of the Sovereign Gold Bond scheme opens this month. Here is how much the three previous issues collected. Points to keep in mind when lending to friends and family Before you lend money, ask yourself if you can afford it. Remember that you are unlikely to getthe money back for a long time to come, if at all.

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The era of hiding in defensives is over, time to place your bet on domestic cyclicals?

THE ECONOMIC TIMES Fri, Jun 03, 2016 | 08:03 AM IST ET Investment Opportunities

The era of hiding in defensives is over, time to place your bet on domestic cyclicals? The BSE FMCG index has slipped 3 per cent since the breakout rally post the Budget whereas the BSE Capital Goods index has rallied 24 per cent. Five macro factors driving the new bull run this summer The post-Budget rally is driving benchmark indices to a new bull market. Sensex has surged over 20% from its 52-week low of 6,825.20 it hit on Budget Day. Five themes for a portfolio to bet on a bounceback in the economy If global cues remain stable and monsoon is normal this time around, the economy should do well and should be able to hit the 8% mark sooner than expected. Calm before the storm? Look towards east, not west, for the next big scare The past is a great teacher and a look back into the market movement in the past three months suggests this calmness is holding a storm in its belly.

Advertorial Retireometer Take the Retireometer test to find out how prepared you are for Retirement. Advertorial Risk Tolerance Calculator This psychometric test will help you in narrowing down on your investment decisions.

No rate cut in June, but Rajan may give a parting gift in August Factor that may play on RBI Governor Raghuram Rajan’s mind is the rise in crude oil prices, which can have a considerable impact on inflation. ​No need to buy stocks all the time? Sell these 10 names now India Inc reported a drop in sales for FY16, while net profits for March quarter rose sharply by 19%, compared with just 10.5% expansion in the full year. Midcaps had their day in the sun, largecaps can make money faster The recent results of many largecap firms such as L&T, SBI and Tata Motors are compelling experts to believe the worst is over for the bellwether companies. Should one exit Ulip after lock-in period ends? For Ulips bought after the new rules were put in place, the decision to exit or continue after the 5-year lock-in period ends has to be an informed one.

Advertorial 8 health insurance jargons explained The fine print of health insurance plans and the insurance jargon may cost you dearly. Here’s an explanation of a few common terms used in health insurance policy for a better buying experience. Advertorial What do you do after a car accident?

Retail debt fund investors also gain from direct plans Though the standard difference in case of debt funds is around 0.58%, in some cases, it can be as high as 1.2%. A mega home? Or a fat retirement purse? Having a real-estate heavy investment portfolio is a common investment fallacy. But is trimming realty plans to fund retirement corpus a good option?

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date Shanti Educational Initiatives Ltd. 90.00 01-06-2016 06-06-2016 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-G Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-D Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-DQ Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-DY Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 UTI Fixed Term Income Sr XXIV-XV (1099D) Reg-Flexi D Debt: FMP Closed-end 30 May 2016 13 Jun 2016 5,000 More >>

Real Estate News

HNI investors switching to commercial property Commercial property serves as a lucrative investment option with investors gaining from rental income as well as capital appreciation.

Prime office markets’ rentals soar as vacancy rates drop Robust demand from occupiers and limited supply of grade A offices have continued to push rentals in prime Indian office space markets including Mumbai’s Bandra-Kurla Complex.

Speeding up delivery only way out for cash-strapped builders While homebuyers are fretting over delays and incomplete projects, builders too are feeling the heat with cash flow drying up.

A mega home or a fat retirement purse? Having a real-estate heavy investment portfolio is a common investment fallacy. But is trimming realty plans to fund retirement corpus a good option?

NFO – Non FMPs Fund Name Category Type Open Close Min Inv Reliance Dual Advantage FTF IX Plan D Direct-D Hybrid: Debt-oriented Conservative Closed-end 20 May 2016 03 Jun 2016 5,000 Reliance Dual Advantage FTF IX Plan D Reg-D Hybrid: Debt-oriented Conservative Closed-end 20 May 2016 03 Jun 2016 5,000 Reliance Dual Advantage FTF IX Plan D Direct-G Hybrid: Debt-oriented Conservative Closed-end 20 May 2016 03 Jun 2016 5,000 Reliance Dual Advantage FTF IX Plan D Reg-G Hybrid: Debt-oriented Conservative Closed-end 20 May 2016 03 Jun 2016 5,000 ICICI Pru Capital Protection Oriented Ser X 1235D Plan A Direct-D Hybrid: Debt-oriented Conservative Closed-end 20 May 2016 03 Jun 2016 5,000 More >>

Views and Recommendations

Sell GAIL, target Rs 358: Chandan Tapadia 02 June, 2016, 02:19 PM IST The stock has hit a low of Rs 366.30 in trade so far. The stock has recovered after falling below its 20-day moving average, sell Buy BPCL, target Rs 1125: Chandan Tapadia 02 June, 2016, 02:09 PM IST The stock has hit a high of Rs 1,003.90 and low of Rs 978.80 in trade so far. buy Buy UPL, target Rs 630: Chandan Tapadia 02 June, 2016, 02:07 PM IST The stock has hit a high of Rs 609 in trade so far. The scrip has taken support from its 20-day moving average buy Buy DLF, target Rs 140: Rakesh Bansal 02 June, 2016, 02:06 PM IST The stock has hit a high of Rs 133 and low of Rs 131.80 in trade so far. The stock has been moving above its crucial moving averages. buy

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About us|Advertise with us|Feedback|Sitemap|Code of Ethics © 2016 Times Internet Limited.

ET Investment Opportunities is now part of your favourite ET Wealth mailer. Property, Stocks, IPOs, NFOs and Mutual Funds – get the latest investment options in your mail box every week with ET Investment Opportunities.

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