Financial goals are changing: Do you really know the future expenses you need to save for?

THE ECONOMIC TIMES Tue, Oct 01, 2019 | 08:34 AM IST ET Wealth Newsletter

WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#alternative investment returns monitor,#realty hot spot series,#stock pick of the week,#mf portfolio doctor,#family finance

Financial goals are changing: Do you really know the future expenses you need to save for? Newer expenses and goals call for a new plan to avoid the risk of overspending and debt trap. Gold is not a good investment. Here are reasons why Gold makes sense for those who have no access to or no trust in the financial system, or expect to be in such a situation. It's an alternate currency. Video: What happens to your deposits if RBI puts PMC-like restrictions on your bank? ET Online tells you why RBI put restrictions on the bank and happens to your deposits if RBI places PMC-like restrictions on your bank. 7 stocks that control their cost expenditure and give above average returns Companies that can keep costs low relative to their industries are rewarded by the stock markets. Jio takes on Airtel and Vodafone Idea again Now the battle shifts to ring time and interconnection usage charges even as price wars ease. Does Lenskart have the vision to run the course? Lenskart intends to penetrate underserved rural markets with low-priced glasses and replicate its India story in expensive overseas markets like Singapore. But both opportunities and pitfalls lie ahead for the eyewear company as it seeks to execute ambitious plans. Can Unacademy crack the subscription model? Unacademy has seen a meteoric rise both in terms of valuations and market presence. It now wants to expand with the launch of Plus, a subscription model, and build a paid-user base with strong engagement metrics. However, despite the ease of use and promises to make the best teachers available online, the path to building and sustaining a paid model has been slippery for most players. Can the Bengaluru-based ed-tech startup buck that trend? From our Partners Evolving Change in Consumer Behaviour for Individual Lending Bureau Score Evolution – Capturing the changing retail lending landscape | Interpreting the bureau scores as evolved over time | How the CreditVision® Score works? From our Partners Evolving dynamics of MSME lending industry – A perspective from MSME Pulse by Vipul Mahajan Gain insights on where are new-to-credit MSMEs are coming from and who is lending to them How stocks of brokerages, fund houses, insurers will be impacted by market volatility Positive sentiments, even during high volatility, can be good news for market players. Most investors prefer real estate, says survey. Really? Did you also invest in property last year? The Indian Real Estate Consumer Sentiment study by Anarock paints a rosy picture for property investments. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 16.73 18.61 10.68 7.06 Invest Now Axis Bluechip Fund-Growth ★★★★★ 15.24 17.12 9.97 6.94 Invest Now Mirae Asset Large Cap Fund Direct- Growth ★★★★★ 12.74 8.37 0.08 3.53 Start SIP Mirae Asset Large Cap Fund Regular- Growth ★★★★★ 11.77 7.19 -0.47 3.44 Invest Now Motilal Oswal Focused 25 Fund Direct-Growth ★★★★★ 11.43 13.18 7.81 8.03 Invest Now FeaturedMirae Asset Large Cap Fund Direct- Growth ★★★★★ 12.74 8.37 0.08 3.53 Start SIP How a newly married couple can manage their expenses and savings ​​It might be helpful if the couple are able to discuss how much they would contribute to a common pool of expenses and how much they would save. Why women need to work Affluence has led to many women choosing not to work, with adverse outcomes.

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Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.

What will be the impact of corporate tax cut on companies & sectors? After the tax cut announced by the Finance Minister, the effective tax rate for all domestic companies has been reduced to 25.17%. Has your motor insurance cover lapsed? Here's all you need to know about renewing it Understand the process before you dash off to renew a lapsed motor policy. How to invest in Pradhan Mantri Vaya Vandana Yojana It is a pension scheme available for senior citizens offering a guaranteed payout of pension at a specified rate for 10 years. Follow these 5Cs for a successful career ​​If you pick a reasonably good job or career, you are the only one who has the power of making it great by working at it. Realty hot spot series: Why this Hyderabad locality is a big draw for new homebuyers Connectivity to IT hubs is one of the key draws of this Hyderabad locality. Tax optimiser: By paying rent to father, Sirohi's HRA can become tax-free The benefit is available only to a salaried individual who receives HRA as a part of his salary and is staying in rented accommodation. MF portfolio doctor: Ulip charges will hit returns. Here's what Fernandes should do When investing for multiple financial goals, starting early is the first and perhaps the most important step. What are the different types of mutual fund SIPs? There are five types of SIPs offered by mutual funds. Stock pick of the week: Why analysts are bullish on KEC International While the T&D segment will lead medium-term growth, long-term growth may come from other segments. Family Finance: High surplus will help Rawats' achieve their money goals Bengaluru-based Rawats should put their high surplus to work to achieve all their goals. Alternative investment returns monitor: For the week ending September 25, 2019 Here are the alternative investment options with their returns, for the week ending September 25, 2019. The proportion and purpose of these is vastly different

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These smallcaps defied odds in bad times; will they rally further?

THE ECONOMIC TIMES Fri, Sep 27, 2019 | 05:43 AM IST ET Investment Opportunities

These smallcaps defied odds in bad times; will they rally further? "If you are looking to invest in a smallcap, look for high-quality companies." After Rs 10 lakh cr gain in 2 days, D-St has 2 road bumps ahead The market may see a rise in volatility once this euphoria wears off. If FM's sops restart investment cycle, look at these 15 stocks Declining savings rate has been hurting investments in India. How long is long-term when investing in equity? For equities to be rewarding, one needs to remain invested for at least 7-10 years.

Advertorial Fake call alert: This new app lets cybercriminals generate international phone numbers to con people The process of tracking such numbers is simple, but time-consuming. Advertorial RBI likely to cut rates; is it time to change your debt mutual fund strategy? While some fund managers are waiting for the advisory, others believe that the room for more rate cuts has opened for RBI.

Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) Axis Bluechip Fund Direct Plan-Growth 6.91 12.16 17.80 16.40 Axis Bluechip Fund-Growth 6.78 11.47 16.34 14.92 Mirae Asset Large Cap Fund Direct- Growth 4.96 2.23 7.54 12.71 Mirae Asset Large Cap Fund Regular- Growth 4.86 1.67 6.38 11.74 Motilal Oswal Focused 25 Fund Direct-Growth 8.25 9.01 10.85 11.03 FeaturedDSP Equity & Bond Direct-Growth ★★★★★ 6.28 7.27 13.27 9.27 Start SIP

Economic Times Biz Listings Are you a Financial Service Provider? Are you looking for Financial Advice? List your Business to get Leads Find trusted Professionals near you

Liquor stocks in low spirits, but this unlisted player is on a high! Listed stocks of liquor manufacturers and breweries have not been doing well this year. Five equity mutual funds primed for alpha from FM's tax stimulus The cut in corporate tax rate should boost earnings across companies resulting in improved earnings per share. This smallcap stock is down 92%, promoter lapping up shares big time! Foreign portfolio investors held 13.89 per cent stake in Vakrangee . How side pocketing works in debt mutual funds Side pocketing is considered as a change in the fundamental attributes of a scheme.

Advertorial With $5.5 mn, PV Sindhu is only Indian on Forbes highest-paid female athletes list Sindhu features on the same list which is topped by Serena Williams. Advertorial Penalty you will pay for missing ITR filing deadline and who won't have to pay If you file your return after midnight of Aug 31, then you are liable to pay a late fee of upto Rs 10,000.

Supply risks remain, Brent price likely to rise back to $68-69 zone A bearish inventory report from the US EIA did little to bring crude oil prices down. Richard 'Rich' Lesser on How India can become a $ 5 trillion economy? Amidst Prime Minister Narendra Modi's bonhomie with Donald Trump in Houston and FPIs cautious approach back home despite the corporate tax cut, business leaders in the US plan to go long on the India story, said Rich Lesser, president and CEO at BCG.

Real Estate News

16% of home seekers in Mumbai are in the 25-35 age bracket: Report At least 37 percent of participants in India serious about buying homes fall in the age bracket of 35-45 years, followed by 25 percent in the 45-55 years bracket.

Noida buyers may get the keys to their new homes as Diwali gift Builders likely to offer possession even without occupancy certificate and NOC, citing RERA order.

Realty developers see hope in ready-to-move-in apartments Fear of project delays leads to buyers preferring ready-to-move-in properties: ANAROCK

Realty hot spot series: Social infrastructure is key draw of this Kolkata suburb This locality has sound social infrastructure comprising schools, colleges, hospitals, restaurants and shopping complexes.

Pending home loan? You can still sell your flat One can sell a property after getting the consent or in-principal approval from the lender.

NFO - Non FMPs Fund Name Category Type Open Close Min Inv   ITI Long Term Equity Fund Reg-D Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Direct-G Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Direct-D Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Reg-G Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ICICI Pru Global Advantage Fund-G Equity: International Open-ended 16 Sep 2019 30 Sep 2019 5,000 More >>

Views and Recommendations

Buy Tata Global, target price Rs 286: IIFL 26 September, 2019, 11:36 AM IST Jayesh Bhanushali recommended to keep a stop loss at Rs 274. Buy Buy IDFC First Bank, target price Rs 50: Kunal Bothra 26 September, 2019, 11:36 AM IST Kunal Bothra recommended to keep a stop loss at Rs 40. Buy Buy Vedanta, target price Rs 170: Kunal Bothra 26 September, 2019, 11:36 AM IST Vedanta key products/revenue segments include aluminium which contributed Rs 21,000 crore to sales value. Buy Buy HDFC, target Rs 2,250: Sacchitanand Uttekar 26 September, 2019, 09:19 AM IST Buy Housing Development Finance Corporation Ltd. at a price target of Rs 2250.0 and a stoploss at Rs 2020 from entry point. Buy

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