How President Trump could impact your money

THE ECONOMIC TIMES Tue, Jan 31, 2017 | 06:47 AM IST ET Wealth Newsletter Co-sponsor Associate Sponsors

WHAT’S HOT #sukanya samriddhi yojana calculator, #taking a personal loan,#tax saving,#the how to of investing,#the how to of taxation

How President Trump could impact your money Donald Trump’s presidency is likely to be a mixed bag for Indian markets. While sectors such as IT and auto could suffer, commodities, metals could shine. Why you need a household budget and how to set spending limits, saving targets Many people are put off by the word budget because they associate it with restrictions on spending and frugal lifestyles. That’s a misconception. Think that you don’t need a household budget? Find out if you are right Are your high expenses preventing you from saving for critical goals. Take this short test to know if you need to formulate a budget for your household. From our Partners Why term insurance is a must have for parents Some common avenues that a parent invests in for accumulating wealth include PPF, MFs, shares, gold and real estate. From our Partners Car insurance versus life insurance: Why one is more important than the other Car insurance is compulsory but life insurance is more important. Mistakes that can derail your household budget Though a budget should give you some elbow room, too much of tweaking can reduce the budget to a hypothetical exercise. How Trump’s presidency will hit Indians’ jobs, studies and travel The impact will be felt beyond markets and investing. It will hit your child’s education and career plans and your family’s travel. Why you should not invest on the basis of 1-year returns of turnaround mutual funds One should not chase returns by taking a concentrated exposure without a long-term orientation. It may well have paid off last year, but is not likely to sustain. Tempted by high interest instruments in current low rate scenario? These could be risky investments Very high interest rates are generally offered by obscure companies. But even well-known companies can default on their payments. From our Partners Why ULIPs are one of the best tax saving instruments Saving money aside, smart tax planning is an integral part of sensible financial planning. The average investor enjoys numerous tax-saving options like PFs and PPFs, life insurance plans, ELSS investments, ULIPs and more. From our Partners What factors to look at while choosing a suitable online term insurance plan? Go for an online term insurance plan that offers the widest range of benefits at an affordable price.

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

9 tips on how to stop postponing and get work done Procrastination gets in the way of achieving your professional and personal goals and traps you in a vicious cycle of failure and self-hate. What you can learn from the world’s richest about success Here’s a brief compilation of all the vital lessons that an individual can imbibe from the world’s eight richest men. Before investing for Sec 80C tax break, find out how much you really need to put in Instead of mindlessly investing in tax saving instruments, it’s better to check out what deductions you are eligible for. Stock pick of the week: Why analysts are bullish on Indiabulls Housing Finance Indiabulls Housing Finance has been able to maintain a high growth because of its focus on the fast-growing affordable housing segment. DSP BlackRock Opportunities Fund: Enjoys superior risk-reward profile With a 10-year return of 12.01%, the fund has beaten the benchmark (return: 7.99%) and the category (average return: 9.83%) by a good margin. Looking for an internship? Online startup Internshala can help Internshala helped 21,000 students secure internships in 2015-16 and has already placed 42,000 students in 2016-17. Why we are unable to achieve equitable distribution of wealth The accumulated wealth of capital is mostly exempted from tax, as an incentive for businesses that contribute to economic growth. Should celebrities be allowed to endorse MFs? SEBI recently allowed celebrity endorsement of mutual funds, but is it the right approach to prod investors into buying them? How railway insurance has become a boon for many The IRCTC travel insurance policy covers accidental injury and death of passengers for free, and can be bought by passengers when booking tickets online. MF Portfolio Doctor: Shah’s need to increase SIPs in existing funds to achieve financial goals Portfolio Doctor will help you analyse the performance of your mutual funds and their suitability for your financial goals. Why a term insurance policy is the best life cover option Term insurance is the most affordable form of insurance, which provides maximum sum assured at lowest possible premium. How to consolidate multiple demat accounts Closing a demat account requires the account holder to visit the DP office or branch and submit the requisite form and documents. Smart things to know about Equity Linked Savings Scheme The dividends are tax-free and redemption after three years will not attract capital gains tax, as the holding period is over 12 months. How technology is shaping travel plans, reveals ICICI Lombard study When it comes to preference, most travellers choose credit cards over debit cards, if this study by ICICI Lombard is anything to go by. Alternative investment returns monitor: For week ending January 24, 2017 Here’s a weekly tracker of returns from such investments, but don’t compare these with returns from traditional investments.

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Indian IT is ageing, investors should cut expectations from them: Damodaran

THE ECONOMIC TIMES Fri, Jan 27, 2017 | 06:33 AM IST ET Investment Opportunities Co-sponsor Associate Sponsors

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

Indian IT is ageing, investors should cut expectations from them: Damodaran Tech cos have 20% weight in the US economy. Internet frims are promising, but they need to show revenue now, says financial guru Aswath Damodaran. Guess what! The markets get it right more often than you think In 2015 alone, world equity markets averaged almost 99 million trades, accounting for almost $450 billion a day, according to Dimensional Fund Advisors. Nilesh Shah’s Budget: Levy wealth tax, estate duty on HNIs; acquire undeclared real estate "It is necessary to expand the tax base, as the tax burden is unequally distributed between the salaried class and others," says MD of Kotak Mutual Fund. Most economists feel FM will go easy on fiscal deficit: Will it mean pain for Dalal Street? The impact of the demonetisation drive on the economy and the looming GST tax are likely to keep the government guessing the revenue base for FY18.

Advertorial Register for Webinar: After demonetisation, what tax payers can expect from Budget 2017? Register for Webinar: After demonetisation, what tax payers can expect from Budget 2017? Advertorial Why ULIPs are one of the best tax saving instruments Saving money aside, smart tax planning is an integral part of sensible financial planning. The average investor enjoys numerous tax-saving options like PFs and PPFs, life insurance plans, ELSS investments, ULIPs and more.

While offloading largecaps in Q3, FIIs fell in love with these 200 midcap & smallcap stocks In the auto and auto ancillary space, foreign investors increased share holdings in Amara Raja Batteries, Sona Koyo Steering and Minda, Capitaline data showed. Market to correct 5-10% if FM slaps long-term capital gains tax in Budget The consensus sees no change in long-term capital gains (LTCG) tax structure in the budget, but as the saying goes ‘never say never’ when it comes to Budget. While metal stocks continue to shine on D-Street, select pharma names turn attractive The pharma counter has been under pressure since H2 of 2016 amid rising concerns over pricing, compliance issues and a fear of shrinking growth in US market. D-Street gazes into the political crystal ball ahead of state polls, finds BJP ‘UP’ & running Veterans on Dalal Street expect a 1-1.5 per cent upside for the domestic stock market if the BJP wins UP and 3-3.5 per cent downside if it loses.

Advertorial Car insurance versus life insurance: Why one is more important than the other Car insurance is compulsory but life insurance is more important. Advertorial Why term insurance is a must have for parents Some common avenues that a parent invests in for accumulating wealth include PPF, MFs, shares, gold and real estate.

Dear FM, if Budget has LTCG, is hazy over FPI tax, only God can help D-St! PM Modi himself fuelled such fears in the runup to the Union Budget, by openly asking people who make money from the equity market to pay more taxes. IT to rise above Trump tremor soon, D-St to see double-digit returns in ’17 At present experts are underweight on IT. However, if business prospects begin to look better, some of the stocks can become reasonably good buys.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date Madhav Copper Ltd. 81.00 23-01-2017 27-01-2017 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-G Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-D Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-DQ Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-DY Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-Flexi D Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 More >>

Real Estate News

Far from reality! Why it’s better to be a broker than a developer after note ban Developers are being forced to offer 5-7% as commission to offload inventory – at 6.71 lakh unsold units – in the second half of 2016.

Kerala real estate players expect interest rates to fall further Credia said there is urgent need to classify housing as infrastructure industry to boost the sector.

Key reforms in real estate will boost the demand, say industry experts The moves related to RERA Act, Real Estate Investment Trusts, smart cities, GST and demonetisation will eventually boost the demand for real estate, feel industry participants.

Housing sales may see 20-30 per cent decline this year: Fitch Overall, Fitch Ratings has assigned a negative outlook to almost one third of Asia-Pacific (APAC) corporate sectors for 2017.

Flashback 2016: The year gone-by for real estate sector In view of the slowdown in the housing sector, the RERA is expected to be a significant sentiment booster for end-users and investors.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 UTI Long Term Advantage Fund – Series V Reg-D Equity: Tax Planning Closed-end 22 Dec 2016 22 Mar 2017 500 More >>

Views and Recommendations

Buy Petronet LNG, target Rs 358 : Edelweiss Financial Services 25 January, 2017, 01:16 PM IST Buy Petronet LNG Ltd. at a price target of Rs 358 and a stop loss at Rs 405 from entry point buy Sell Amara Raja Batteries with a target of Rs 810: Edelweiss Financial Services 25 January, 2017, 01:13 PM IST Sell Amara Raja Batteries Ltd. with a target of Rs 810 and a stop loss of Rs 905 sell Buy Heidelberg Cement India, target Rs 134 : Ruchit Jain 25 January, 2017, 01:09 PM IST Buy Heidelberg Cement India Ltd. at a price target of Rs 134 and a stop loss at Rs 115 from entry point buy Buy ACC with a target of Rs 1500: Sumeet Bagadia 25 January, 2017, 01:04 PM IST Buy ACC Ltd. with a target of Rs 1500 and a stop loss of Rs 1315 buy

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Are SIPs the risk-free formula for making money?

THE ECONOMIC TIMES Tue, Jan 24, 2017 | 07:03 AM IST ET Wealth Newsletter

WHAT’S HOT #sukanya samriddhi yojana calculator,

Are SIPs the risk-free formula for making money? Systematic investment plans started in equity funds 1-2 years ago have not given good returns. Here’s what it means for long-term investors. Flexi SIPs may give higher returns but may not build a bigger corpus A flexi SIP mandate allows investors to modify the SIP amount within a pre-decided range of the minimum and the maximum required to be invested. What do consumers expect from Budget 2017? Find out The ET-RICS pre-Budget survey finds that more than three out of 10 people do not expect any changes in the capital gains tax structure. From our Partners Snakes and Ladder – A lesson in investments Money makes the world go round – it does the same to my head. Trying to work out a balance between the risks and rewards that are inherent to making my money grow is like playing snakes and ladders. From our Partners Tee off on mutual funds Picking up a mutual fund is also a similar exercise. You set your goal and decide the scheme you need to invest in. 5 things to check before joining a startup Given the spate of failing startups, over 200 closed down in 2016, make sure you do the due diligence before taking up an offer. Here’s how freelancers can save on tax outgo Freelancers can claim the different Section 80 tax-saving deductions as well as on the expenses incurred for doing their work. 6 investment avenues with low charges, fees High costs can eat into returns. ET lists some cost-effective alternatives that can create a healthy portfolio. Which is better, balanced or dynamic asset allocation fund? Balanced funds typically maintain a 65% exposure to equities, and qualify for better tax treatment compared to dynamic funds. From our Partners 8 things you must do right now to retire as a billionaire Here’s a sneak peek into the life of famous billionaire Mark Zuckerberg: He is the world’s fifth-richest person with a net worth estimated to be $56.7 billion. From our Partners Rise of direct plans of mutual funds Ever since the Securities and Exchange Board of India (SEBI) introduced the game-changing alternative of direct plans in mutual funds there has been a significant rise in the portfolios switching to and investing in this option.

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

SEBI issues new guidelines for mutual fund ads SEBI has stated that the performance of MFs should now be shown in terms of CAGR for the past 1 year, 3 years, 5 years and since inception. Here’s how an increase in SIP helps to save more Even a 5% increase in the SIP amount can yield a substantially higher corpus. Increase the amount by 10% and your corpus will be 45% bigger after 10 years. What to consider before buying medical cover There are also different varieties of critical illness covers available. So, should you choose a broader plan, or one that is specific to a few diseases? Do you know your financial rights? ET Wealth lists the fundamental rights and duties every investor and taxpayer should not only be aware of, but also act upon whenever necessary. Are exclusive portfolio management services really worth the cost? Investors, especially high networth individuals, often end up with poor quality investments in their search for preferential treatment from asset managers. 7 new age accessories that have become a must-take on your travels Smartphones, laptops and cameras are gadgets one carries while travelling. However, there are others one tends not to count as essential. Here’s a list of them. Salaried Vaz can cut tax outgo by investing in NPS Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Principal Tax Savings Fund: An inconsistent performer It takes a multi-cap approach, like most of its ELSS peers and, despite a distinct large-cap tilt, it takes a sizeable exposure to smaller companies. Family Finances: Hyderabad-based Joshis need to raise equity exposure, link investment to goals Harsh and Neha Joshi, both bring a combined income of Rs 1.52 lakh, must raise their equity exposure and link their investment to goals. How to change the scheme preference in NPS As an alternative to choosing fund schemes, the NPS offers an auto choice where the proportions are pre-decided based on the age of the subscriber. Stellar growth, operational efficiency make Equitas stock analysts’ favourite If you are one of those who is ready to bear short-term pain for long-term gain then you may want to consider this counter. Mutual fund costs will fall, but only as we build scale: Sanjay Sapre, Franklin Templeton Investments India Indians need the services of investment advisers as they lack the financial literacy needed to understand market-linked products. 5 smart things to know about fire insurance Fire insurance covers buildings, plant and machinery, equipment, stock and content like furniture and fixtures, cables, etc. Alternative investment returns monitor: For week ending January 13, 2017 Don’t compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different.

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10 stocks from not-in-focus sectors surged up to 1,500% in 3 years; do you own any?

THE ECONOMIC TIMES Fri, Jan 20, 2017 | 06:14 AM IST ET Investment Opportunities

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

10 stocks from not-in-focus sectors surged up to 1,500% in 3 years; do you own any? Select stocks from neglected sectors like glass, aquaculture, hydraulics and LPG bottling sectors rallied up to 1,570 per cent in the past 3 years till date. These smallcaps delivered up to 262% returns as Sensex struggled to reclaim 52-week high Dozens of midcap and smallcap stocks have rallied up to 262 per cent in this period marked by cash ban and strong foreign portfolio outflows. Old taste, crispy returns: Your child powered this multibagger; you missed it An investment of Rs 10,000 made in the stock in January 2011 would have become Rs 1,57,823 today. It has clocked over 1,500 per cent return in six years. BSE IPO set to hit market on January 23, analysts say huge latent value in issue The company’s information services segment accounts for 4% of revenue against global average of 10-25%. SPA Secexpects the company to catch up the trend.

Advertorial 8 things you must do right now to retire as a billionaire Here’s a sneak peek into the life of famous billionaire Mark Zuckerberg: He is the world’s fifth-richest person with a net worth estimated to be $56.7 billion.

Catch them young! Next multibaggers will emerge from lesser-known sectors You would have never thought businesses like processed and packaged foods, personal hygiene products and paper ever create wealth for you. FIIs didn’t sell these 9 stocks during their widespread selling spree in Q3, here’s why Stocks like DLF, Prestige Estate actually saw FII holdings go up during the October-December period. That even when the BSE Realty index declined 16.42%. Watch out! Four tax uncertainties can take Indian market down, warns CLSA “Renegotiation of tax treaties with Mauritius, Singapore and Cyprus would raise taxes from April 2017 for investors using those routes,” CLSA said in a note. Note ban impact: Cash crunch gives gold lovers no way to buy wedding rings “All our plans went for a toss after the demonetisation,” said Ferreira, 28, a marketing consultant. “Cash is just not an option now. We can’t get married without rings.”

Advertorial How to keep your family informed about your financial details? iCare is a social initiative by Aegon Life Insurance Company that allows you to share your personal, financial and insurance-related details with your family by storing them digitally in one place which can be regularly updated.

Modi-backed ETF catches investors’ eye as fund outperforms broader markets The government’s exchange traded fund of the top 10 state-run firms has returned 31% in the past year, more than double the gains in the benchmark stock index. Experts see India’s long-running bond rally fizzling out on fewer RBI rate cuts Even as a banking system awash with cash continues to spur local demand for sovereign notes, Citigroup Inc. sees gains fizzling out in the second half of 2017.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date Super Fine Knitters Ltd. 12.00 18-01-2017 24-01-2017 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-G Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-D Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-DQ Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-DY Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – II (1176 Days) Reg-Flexi D Debt: FMP Closed-end 16 Jan 2017 30 Jan 2017 5,000 More >>

Real Estate News

RMZ to buy remaining 50% stake in Essar Group’s Equinox Business Park in Mumbai Family-owned RMZ is looking to expand its portfolio in NCR and Mumbai before opting for listing office properties by mid-this year through REIT.

Demonetisation impact: Home-buyers await rate cuts before firming up purchase plans Developers are being forced to offer 5-7% as commission to offload inventory – at 6.71 lakh unsold units – in the second half of 2016.

Doorkeys.com partners Signature Global to market housing projects Doorkeys said it will provide numerous benefits to buyers for two affordable housing projects by Signature Global, ‘Serenas’ and ‘Roselia’.

KKR pumps Rs 315 crore in Runwal’s Mumbai residential project The Runwal Bliss project being built in Kanjurmarg is spread over 36 acres, which the developer acquired from Crompton Greaves in early 2015 for over Rs 1,200 crore.

States’ demand puts Centre’s plan to regulate realty sector into rough weather The states have been dragging their feet over notifying the rules – a mandatory requirement to operationalize the Act.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 UTI Long Term Advantage Fund – Series V Reg-D Equity: Tax Planning Closed-end 22 Dec 2016 22 Mar 2017 500 More >>

Views and Recommendations

Buy Pidilite Industries, target Rs 682 : Reliance Securities 19 January, 2017, 02:17 PM IST Buy Pidilite Industries Ltd. at a price target of Rs 682 and a stoploss at Rs 602 from entry point buy Sell Dish TV India Ltd. with a target of Rs 82 – Microsec Capital Ltd 19 January, 2017, 02:14 PM IST Sell Dish TV India Ltd. with a target of Rs 82 and a stop loss of Rs 87.5 sell Buy ABB India. target Rs 1247 : Microsec Capital Ltd 19 January, 2017, 02:13 PM IST Buy ABB India Ltd. at a price target of Rs 1247 and a stop loss at Rs 1098 from entry point buy Buy Britannia Industries with a target of Rs 3260: Pritesh Mehta 19 January, 2017, 02:11 PM IST Buy Britannia Industries Ltd. with a target of Rs 3260 and a stop loss of Rs 3030 buy

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8 unknown stocks that could yield huge returns

THE ECONOMIC TIMES Tue, Jan 17, 2017 | 06:58 AM IST ET Wealth Newsletter

WHAT’S HOT #sukanya samriddhi yojana calculator, #taking a personal loan,#tax saving,#the how to of investing,#the how to of taxation

8 unknown stocks that could yield huge returns These stocks are still not on the radar of most investors. So buy these scrips if you want to earn outsized returns in a few years. Investors should focus on the quality of business, not its size: P Agrawal, ASK Investment Managers Demonetisation has only deferred demand. Once it is back, corporate earnings will rise, says Prateek Agrawal, Business Head and CIO, ASK Investment Managers. Why too many schemes won’t diversify your mutual fund portfolio Having fewer funds can push up overall returns of the portfolio because the investor is able to monitor the portfolio and take corrective actions. From our Partners 8 things you must do right now to retire as a billionaire Here’s a sneak peek into the life of famous billionaire Mark Zuckerberg: He is the world’s fifth-richest person with a net worth estimated to be $56.7 billion. 6 Bengaluru engineering colleges shut as selling land more profitable At least 100 colleges have opted for “progressive closure” this academic year, with Karnataka accounting for 8, the highest ever tally for the state in 4 years. Here are 5 things investors can learn from cricketer Dhoni Constant learning made him one of the greatest cricketer of our times. In finance, learning can also translate into earning. Demonetisation cost realty sector Rs 22,000 cr: Knight Frank Report Demonetisation pulled down last quarter sales across all cities. Despite one-third of the fourth quarter being the festive season, sales fell by 40%. Here’s how you can network effectively and still enjoy doing it Are you destined to live a life of professional mediocrity simply because you despise self promotion and making small talk with strangers? From our Partners Tee off on mutual funds Picking up a mutual fund is also a similar exercise. You set your goal and decide the scheme you need to invest in.

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

Banking MFs in limelight but diversified funds stabler option Investing in a banking fund right now amounts to timing the market, something long-term investors should avoid doing. Indian consumers’ keenness to buy plummets post demonetisation: TRA Research The Buying Propensity Index is a result of primary research covering 3,000 consumer-influencers across 8 Tier I cities. ET Money personal finance app shows the easy way to track your finances An endearing feature in all categories, i.e., Spends, Bill Calendar, SmartDeposit or Investments, is that each option is clearly and succinctly explained. Is SEBI right in restricting mutual fund distributors from offering investment advice? ET Wealth reached out to three experts to know whether SEBI has done the right thing by segregating sales from investment advice. MF Portfolio Doctor: Reduce number of funds to consolidate portfolio Portfolio Doctor will help you analyse the performance of your mutual funds and their suitability for your financial goals. All eyes on Budget 2017 proposals on capital gains tax The Budget is round the corner and speculation is rife about what it holds for investors. How the FM deals with tax on capital will be interesting to watch. Which is a better investment option: ELSS or PPF? ELSS actively invests in the equity markets, with a potential to earn higher returns than traditional savings options like PPF. How tax related, PAN grievances can be resolved through E-Nivaran E-Nivaran offers a paperless mode of lodging one’s complaint, getting the complaint processed and track status of redressal of the same. Capacity addition, strong operating cash flow make Jubilant FoodWorks good long term bet Though Jubilant FoodWork’s fundamentals are strong and it is expected to do well in the long term, the company’s valuation is still high. Startup FITPASS makes going to the gym economical and convenient for customers Arushi and Akshay Verma, Co-founders, FITPASS. Prominent gym chains that are part of the FITPASS network include Gold’s Gym, Snap Fitness and Reebok Crossfit. Birla Sun Life Small & Midcap Fund: Wait and watch before opting to buy The fund tilts towards smaller-sized companies compared to its peers, as is visible from its lower portfolio average market capitalisation. Domestic demand will drive the growth in India: Abhijit Bhave, Karvy Private Wealth “Look at investing in medium-term debt instruments and expect high single digit returns,” says Abhijit Bhave, CEO, Karvy Private Wealth. Salaried Sreenivasan can cut tax outgo by taking home loan, medical insurance Taxspanner estimates that Sreenivasan can bring down tax if his employer offers him NPS benefit and he takes a home loan and buys medical insurance. Family Finances: Kolkata-based Pandas need to start planning early to meet financial goals Abinash Panda’s financial goals include saving for emergencies, future child’s education and wedding, retirement, and buying a car. 5 smart things to know about Equity Linked Structured Note A typical ELN is principal protected so that at maturity the investor is guaranteed to receive the original amount invested. Unemployment in India to increase marginally in 2017-18: UN Report Job creation is not expected to pick up pace in 2017 and 2018 as unemployment rises slightly, representing a near stagnation in percentage terms. Alternative investment returns monitor: For week ending January 11, 2017 Don’t compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different.

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Looking for value in 2017? Top five least expensive stocks to bet on now

THE ECONOMIC TIMES Fri, Jan 13, 2017 | 06:33 AM IST ET Investment Opportunities

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

Looking for value in 2017? Top five least expensive stocks to bet on now The most aggressive forecast is 31,000 for Sensex and 9,000 for the Nifty50, which translate into high-teens growth from current their levels. 10 stocks than can surprise D-Street with up to 20% profit growth in Q3 Earnings of companies from across sectors will be impacted by the government’s demonetisation move, rising crude oil prices and a strong dollar. From Trump to Prez Trump: How this transition will impact your portfolio in 2 weeks Going by the minutes of the US Fed’s last rate-setting meeting, even US policymakers remain unsure as to what the President-elect is really up to. Stay with duration bond funds this year, as bond market is going to see shockwaves Infusion of fresh deposits in the system (post cash ban) is likely to shore up demand for G-secs by banks, which could eventually augur well for bond prices.

Advertorial Watch Now: How ICF brings the global Copper fraternity together ICF is the biggest platform that brings together the Copper fraternity from India and Internationally to congregate and deliberate on opportunities and challenges lying ahead.

Market rewarding some daredevils: Risky stocks going through the roof Stocks of large pharma companies have already fallen significantly and they are looking attractive, said Chokkalingam of Equinomics Research. Govt to raise Rs 6,000 crore through CPSE ETF; issue to open on Jan 17 The issue size of follow-on fund offer is Rs 4,500 crore with a greenshoe option of Rs. 1,500 crore. A 5 per cent discount will be given to anchor investors. Catch ’em young: Bet on these multi-year themes to ride choppy market, lock in gains Market veterans say this is the right time to identify some themes, as it will help lock in attractive gain early and capture the change in demand dynamics. Racing ahead on D-Street! 5 stocks with great growth potential in 2017 The growth potential was determined by comparing the consensus estimates for the next 12 months with the historical 12-month value, the report said.

Advertorial How to keep your family informed about your financial details? iCare is a social initiative by Aegon Life Insurance Company that allows you to share your personal, financial and insurance-related details with your family by storing them digitally in one place which can be regularly updated.

Rakesh Jhunjhunwala hikes stake in Lupin; should you too? According to the latest shareholding data filed by Lupin, Jhunjhunwala now holds 82.90 lakh shares in the company against 77.40 lakh in the previous quarter. Any idea who are joining the Club Elite at Nifty50 next: Put your bets on IOC, UPL The changes will be effected based on certain criteria such as liquidity, adjusted market capitalisation, free-float shares and domicile of the companies.

NFO (FMPs) Fund Name Category Type Open Close Min Inv L&T FMP Series XIV Scheme B (1185 Days) Reg-G Debt: FMP Closed-end 18 Jan 2017 30 Jan 2017 5,000 L&T FMP Series XIV Scheme B (1185 Days) Reg-D Debt: FMP Closed-end 18 Jan 2017 30 Jan 2017 5,000 L&T FMP Series XIV Scheme B (1185 Days) Direct-G Debt: FMP Closed-end 18 Jan 2017 30 Jan 2017 5,000 L&T FMP Series XIV Scheme B (1185 Days) Direct-D Debt: FMP Closed-end 18 Jan 2017 30 Jan 2017 5,000 Reliance FHF XXXII – Series 7 Direct-D Debt: FMP Closed-end 18 Jan 2017 25 Jan 2017 5,000 More >>

Real Estate News

How virtual reality is bridging the gap between builders, home buyers Gautam and Tithi Tiwari started SmartVizX 2 years ago after they realised there was a gap in how the builders were presenting their projects to buyers.

SEBI recognises RICS professionals as valuers for REIT assets In the notification, SEBI has recognized all RICS certified professionals as valuers for technical asset valuation.

Even Trump Building is not immune to India’s real estate woes The 75-floor Trump Tower Mumbai, which includes a 24-hour resident manager, has so far sold about 60 percent of the units since launching the project in 2014.

Housing for all: A mirage or reality for mortgage companies? Stocks of many housing finance cos rallied soon after PM announced a series of incentives, but the rally is tapering now as reality checks reveal that task is not easy.

Top 10 policy initiatives that impacted realty sector in 2016 The Real Estate (Regulation and Development) Act, 2016 aims to enhance transparency and bring greater accountability to protect the interest of all stakeholders.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 UTI Long Term Advantage Fund – Series IV Reg-D Equity: Tax Planning Closed-end 10 Oct 2016 18 Jan 2017 500 More >>

Views and Recommendations

Buy Britannia Industries, target Rs 3070 : Choice Equity Broking Private Ltd 12 January, 2017, 03:06 PM IST Buy Britannia Industries Ltd. at a price target of Rs 3070 and a stop loss at Rs 2920 from entry point buy Sell IRB Infrastructure Developers with a target of Rs 203: Sharekhan 12 January, 2017, 03:04 PM IST Sell IRB Infrastructure Developers Ltd. with a target of Rs 203 and a stop loss of Rs 219 sell Buy Torrent Pharmaceuticals, target Rs 1260 : IFCI Financial Services 12 January, 2017, 03:02 PM IST Buy Torrent Pharmaceuticals Ltd. at a price target of Rs 1260 and a stop loss at Rs 1372 from entry point buy Buy DCB Bank with a target of Rs 121: Choice Equity Broking Private Ltd 12 January, 2017, 03:00 PM IST Buy DCB Bank Ltd. with a target of Rs 121 and a stop loss of Rs 114.5 buy

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Choose the best tax saving instrument for you

THE ECONOMIC TIMES Tue, Jan 10, 2017 | 07:03 AM IST ET Wealth Newsletter

WHAT’S HOT #sukanya samriddhi yojana calculator, #taking a personal loan,#tax saving,#the how to of investing,#the how to of taxation

Choose the best tax saving instrument for you ET Wealth’s annual ranking of tax saving instruments cuts through the clutter and tells you which is the most suitable option for you. What do taxpayers want in Budget 2017? A recent survey by Deloitte offers some interesting insights into what people want from this year’s Budget on February 1, 2017. Will you gain from lower home loan rates? Find out While the lower interest comes as a boon for new home buyers, not all existing borrowers will benefit. From our Partners How to keep your family informed about your financial details? iCare is a social initiative by Aegon Life Insurance Company that allows you to share your personal, financial and insurance-related details with your family by storing them digitally in one place which can be regularly updated. Know the charges, taxes on your restaurant bill to avoid being overcharged It is always better to know the charges and taxes levied on your restaurant bill if you want to avoid being overcharged. Home loans are becoming cheaper: Should you buy or rent a house? ArthaYantra Buy Vs Rent Report 2017 looks at 12 cities across India to map where buying is affordable and where living on rent is more cost-effective. What are your financial resolutions for the new year? It is vital to understand one’s risk appetite and view tax saving instruments also as a means to achieve the financial goals. Demonetisation effect on Quarter 3 corporate Earnings While the broader market may remain stable during results season, be ready for fireworks at individual stock counters. From our Partners Watch Webcast: How ICF brings the global Copper fraternity together ICF is the biggest platform that brings together the Copper fraternity from India and Internationally to congregate and deliberate on opportunities and challenges lying ahead.

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

Should you invest in the new CPSE ETF? To find out if it’s a good idea to invest in such funds, one should consider how the first CPSE ETF has been performing. Annual strategic portfolio review must to grow wealth Once a year, sit down and figure how much you have in savings and investments. Get more of what gives you back more and let go of what does not work. Look beyond Section 80C: Have you missed out on any of these tax breaks? There are a large number of tax breaks apart from those under Section 80C. Check the list below to make sure you don’t miss out on any of these. It’s time to accumulate stocks for the long term: Raamdeo Agrawal, Motilal Oswal Financial Services “GST will improve tax collection and improve the ease of doing business by bringing in clarity on taxes,” says Raamdeo Agrawal Co-founder, Motilal Oswal Financial Services. Smart things to know about RuPay Cards RuPay cards have a lower transaction cost and faster processing cost since processing is done within the country. L&T India Value Fund: A consistent outperformer The portfolio is heavily diversified, limiting exposure to individual bets. A proven track record makes it a worthy bet in this category. CES 2017: Top TV, camera, laptop picks to hit India this year Every year, Las Vegas, US, witnesses various brands launching new devices. Here’s a brief look at some interesting gadgets. Retail growth, increase in revenue make Arvind Ltd good long term bet Since 50% of its revenue come from the domestic market, expect pressure in both December and March quarter numbers due to the demonetisation impact. How home loan, NPS can help cut salaried Agarwal’s tax outgo Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Family Finances: Ernakulam-based Pavithran has sufficient funds, must streamline goals After considering monthly household expenses of Rs 48,000, insurance premium of Rs 11,328 and investment of Rs 12,000 in the PPF, he is left with a surplus of Rs 71,672. How to view your TDS through form 26AS? Form 26AS contains details of TDS on salary or other investments, advance tax, refund received during the year and other related information. My saving idea: Buy bulk or value packs when shopping When you’re buying products that have a long shelf life, it’s better to buy in bulk or choose value packs to cut down your cost. How Chennai-based Vakilsearch helps startups sort out legal issues Founded in September 2011, Hrishikesh Datar’s startup began as a portal to help find lawyers. Today, it sets up entire businesses. Alternative investment returns monitor: For week ending January 4, 2017 Here’s a weekly tracker of returns from alternative investment avenues such as: Diamonds, Precious Metals, Wines and Coins.

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Sensex seen at Mount 30K in 2017; top 10 small & midcap stocks to buy now

THE ECONOMIC TIMES Fri, Jan 06, 2017 | 06:33 AM IST ET Investment Opportunities

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

Sensex seen at Mount 30K in 2017; top 10 small & midcap stocks to buy now The outlook for the benchmark equity indices remains uninspiring, but there will be plenty of stock-specific action, which investors should not ignore. Eight strategies to manage your money that can help you get rich faster in 2017 If you are dreaming of accumulating wealth over time, you should opt for proper financial planning and go for a mix of equities and debt instruments. Market veterans raise a red flag on key sectors, say they may burn fingers in 2017 At the very start of the New Year, market veterans have been red-flagging sectors citing the new dynamics of domestic as well as global economies. Jhunjhunwala says he is not happy with his performance in market in last 2 years In a two years, 40% of the top stocks he holds have delivered negative returns. Only Escorts and Aptech more than doubled investor wealth in last two years.

Advertorial Watch Webcast: How ICF brings the global Copper fraternity together ICF is the biggest platform that brings together the Copper fraternity from India and Internationally to congregate and deliberate on opportunities and challenges lying ahead.

Happy New Year! But wait, January may not be that happy for D-St; here’s why Expectations from the Union Budget should fuel a pre-budget rally, but apart from that, there are no fresh triggers to take the market higher. Looking for a bold prediction for 2017? In all likelihood, nothing will change Since 2008, resistance to addressing difficult issues, inability to accept the cost of required adjustment and a lack of leadership has resulted in stagnation. Top analysts got Sensex, Nifty estimates wrong in 2016; can they get it right in ’17? Most analysts sounded pretty sure of their yearend projections for benchmark indices at the beginning of calendar 2016. But the market proved them all wrong. Expect 15% returns from Indian equities in 2017, populist Union Budget can spoil it Ridham Desai sees up to 15 per cent returns from Indian equities in 2017, but investors need to look at stocks with right valuations before taking a call.

Advertorial How to keep your family informed about your financial details? iCare is a social initiative by Aegon Life Insurance Company that allows you to share your personal, financial and insurance-related details with your family by storing them digitally in one place which can be regularly updated.

Silver looks a better bet than gold for 2017, likely to test Rs 50,000 a kg level Although the precious metals are entering the New Year in a depressing mode, wild swings might be seen in the coming months due to divergent macro-economic reasons. Poll panel has announced acid test for Modi-nomics; may good economics win! The distress that demonetisation caused to the citizenry and the pain it spread across different sectors have left a bitter taste, which may not go away too soon.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date Maheshwari Logistics Ltd. 68.00 30-12-2016 06-01-2017 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv UTI Fixed Term Income Fund – Series XXVI – I (1182 Days) Direct-D Debt: FMP Closed-end 27 Dec 2016 10 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – I (1182 Days) Direct-Flexi D Debt: FMP Closed-end 27 Dec 2016 10 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – I (1182 Days) Direct-DY Debt: FMP Closed-end 27 Dec 2016 10 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – I (1182 Days) Direct-DQ Debt: FMP Closed-end 27 Dec 2016 10 Jan 2017 5,000 UTI Fixed Term Income Fund – Series XXVI – I (1182 Days) Direct-G Debt: FMP Closed-end 27 Dec 2016 10 Jan 2017 5,000 More >>

Real Estate News

Revamped realty scene attractive for institutional capital flows Private equity players, who have so far preferred the structured-debt route to invest in Indian property market, are likely to find the market even more transparent and attractive.

PM Modi’s housing sop will also benefit middle-class The new interest subsidy scheme for home loans was announced by Prime Minister Narendra Modi last week, but the details have not been unveiled so far.

Real estate to take a sales hit after cash ban: Kotak Equities Sales volumes are expected to drop between 10-30 per cent over the next 12 months, until prices stabilise.

Post demonetisation, rental demand may rise Residential markets in Delhi, Bengaluru, Mumbai and Chennai have witnessed 8-12% rise in average rentals, property brokers said.

House that! Affordable and low-cost housing space gets leg-up Steps announced by govt such as financial aid for urban & rural poor for buying & building homes & interest subvention of 3% and 4% for loans of up to Rs 12 lakh & Rs 9 lakh, respectively, to boost affordable housing.

NFO – Non FMPs Fund Name Category Type Open Close Min Inv Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Reg-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-D Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 Sundaram Long Term Micro Cap Tax Advantage Fund Series IV Direct-G Equity: Tax Planning Closed-end 27 Sep 2016 20 Mar 2017 500 UTI Long Term Advantage Fund – Series IV Reg-D Equity: Tax Planning Closed-end 10 Oct 2016 18 Jan 2017 500 More >>

Views and Recommendations

Overweight ICICI Prudential Life Insurance Company with a target of Rs 385: Morgan Stanley 05 January, 2017, 12:56 PM IST Overweight ICICI Prudential Life Insurance Company Ltd. with a target of Rs 385. Morgan Stanley sees multiyear improvement in profitability leading to strong VNB CAGR during F16-F19. Overweight Underweight Bharat Heavy Electricals Ltd, target Rs 122 : JP Morgan 05 January, 2017, 12:53 PM IST Underweight on Bharat Heavy Electricals Ltd. at a price target of Rs 122. Provisional sales growth for Oct-Nov is ~7%, implying steep deceleration over 1HFY17 growth of 19%. Underweight Buy Zee Entertainment Enterprises with a target of Rs 575: CLSA 05 January, 2017, 12:50 PM IST Buy Zee Entertainment Enterprises Ltd. with a target of Rs 575. CLSA expects 32% profit CAGR over FY17-19; potential increase in payout buy Buy Vedanta, target Rs 240 : Kunal Bothra 05 January, 2017, 12:21 PM IST Buy Vedanta Ltd. at a price target of Rs 240 and a stop loss at Rs 210 from entry point buy

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10 smart money moves to improve your finances in 2017

THE ECONOMIC TIMES Tue, Jan 03, 2017 | 07:02 AM IST ET Wealth Newsletter

WHAT’S HOT #sukanya samriddhi yojana calculator, #taking a personal loan,#tax saving,#the how to of investing,#the how to of taxation

10 smart money moves to improve your finances in 2017 ET Wealth has identified 10 money moves that can benefit investors in 2017. These are not investment tips, but steps that will help you optimise the returns. 2017 may be a good year to invest in stocks for the long term Investors should commit money systematically over next six months to earn well after 3 years instead of investing more when historical returns are high. What are the hot career trends and skills in demand for 2017? Find out 2017 will be different when it comes to jobs at startups. The massive hiring by deeply funded, billion-dollar valued e-commerce startups has stalled. From our Partners Watch Webcast: How ICF brings the global Copper fraternity together ICF is the biggest platform that brings together the Copper fraternity from India and Internationally to congregate and deliberate on opportunities and challenges lying ahead. Planning your financial calendar for 2017? Here’s help on what to do each month Go through this calendar to fix your financial goals and tasks in the coming year. The planning will help you save, spend and invest prudently. Budget 2017 may hike capital gains tax on stocks: Here are the possible changes Though long-term capital gains will continue to be tax free, get ready for a longer holding period and higher tax on short-term capital gains. What are people’s concerns and preferences in cashless payments? Find out As digital payments find increasing acceptance among people, knowing which platform to use and taking appropriate safety measures is a must. What you can learn about investing from yogic principles There are a lot of basic principles in yogic philosophy that one can follow in order to invest wisely and create wealth. From our Partners Find out a smarter way to work Whether you’re working in your office or on the go, you get a familiar, top-of-the-line set of productivity tools. Office applications always the latest versions—let you create, edit, and share from your PC/Mac or your iOS, Android™, or Windows device with anyone in real time

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

How to use Virtual Payment Address for financial transactions Once the user has created a VPA, he can link his bank account to this VPA by generating and using an MPIN for this account. SBI Magnum Multicap Fund: Change in strategy is paying off It is a unique offering, delivering healthy performance but a longer track-record of out performance would provide more comfort. Numbers achieved in 2016: cash deposits, gold sold, IPO collections, credit card debt… Some figures that stood out in the passing year for cash deposits, gold sold, IPO collections, credit card debt. Sharp fall in stock price makes J&K Bank analysts’ favourite Compared to its share price of Rs. 150 two years back, J&K Bank is now trading at close to Rs. 60, a massive cut of 60%. Family Finances: Bengaluru-based Mohapatras need to increase equity investment to meet goals Subhashree & Bhabani Mohapatra, 32 & 27, IT professionals, Bengaluru will have to raise their equity exposure to realise their dreams. To minimise risk invest in a diversified portfolio of quality assets for the long term To minimise risks, good investment habits are a must. A diversified portfolio comprising quality assets held over the long-term works every time. Why don’t debt mutual funds give fixed returns? If the RBI reduces interest rates, then new bonds and other fixed income instruments will offer lower rates, and the prices of existing bonds will rise. Good prices and good news don’t come together: Kunj Bansal, Centrum Wealth Management “Recovery of the economy would depend on the time it takes for cash availability to improve,” Kunj Bansal ED & CIO, Equities, Centrum Wealth Management Good performance of NPS likely to continue in 2017 The NPS was able to outperform its benchmarks as well as similar mutual fund schemes in 2016 mainly because of it’s low cost structure. Should you invest in global funds now? Slowing of the domestic economy is not the only reason to look for foreign equity opportunities. Diversification of portfolio should be a key driver. Startup Healthy Billions offers 24X7 access to a range of health services "I was very impressed with the 911 service in the US and wanted to create something similar in India," Gunjan Poddar, Founder and CEO, Healthy Billions. Systematic risks in stock investing: What is Beta High beta sectors like real estate and infrastructure tend to do better in a rising market and worse in a falling market. Alternative investment returns monitor: For week ending December 28, 2016 Here’s a weekly tracker of returns from few alternative investments. The proportion and purpose of alternative investments is vastly different.

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