How to give your children a head start in investing

THE ECONOMIC TIMES Tue, Nov 12, 2019 | 03:02 AM IST ET Wealth Newsletter

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How to give your children a head start in investing Parents can transform the lives of their children if they give them the right financial advice in their formative years itself. They must also lead by example. They can't be splurging themselves and expecting their kids to be prudent with money. Investing has a lot of irrelevant numbers. Only few investors know what to look for As investors and consumers of financial services, we are subjected to a lot of numbers that purport to help us tell good investments from bad ones. Investing involves a lot of numbers but many of those numbers are actually irrelevant. How this taxi driver lives on his own terms with little financial protection, support or security There are small chit funds that the taxi drivers operate among themselves. This taxi driver finds it most useful. The money is safe among friends. Each one gets a lump sum whenever there is the need. He draws his chit when he goes home on vacation. Small businesses shine with solar equipment Solar-powered livelihood machines offer a sea of opportunity to micro-enterprises. Adani vs. GVK vs. GMR The ports-to-edible oils conglomerate's debut appears to be hurried and controversial. Quikr continues to get funds, with a catch Even after acquisitions worth USD300 million, investors value Quikr the same as four years ago. 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 4 companies with rising net forex earnings that are good stock bets In the backdrop of global economic issues, ET Wealth identified these four companies that have continued to do good overseas business and remained resilient to global developments. They show positive net foreign exchange earnings over five years. Should you make space for bond ETFs in your fixed income portfolio? While lower cost enhances the return potential of ETFs, absence of liquidity can effectively wipe out cost benefits. So if liquidity is sufficiently high, bond ETFs may be a good first stop for those looking to move from bank fixed deposits. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 19.39 24.13 13.97 2.37 Invest Now Axis Bluechip Fund-Growth ★★★★★ 17.86 22.58 13.24 2.27 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 15.25 17.94 11.52 5.06 Invest Now JM Core 11 Direct Plan-Growth ★★★★★ 15.11 17.29 8.30 3.95 Mirae Asset Large Cap Fund Direct- Growth ★★★★★ 14.94 14.49 7.89 6.76 Start SIP FeaturedAditya Birla Sun Life Tax Relief 96 Direct-Growth ★★★★★ 12.21 7.03 4.44 5.85 Start SIP Estate planning: Points to keep in mind while amending a will If a new will is being made, the testator must review his earlier bequests and if required, modify or retain the same in the new one so that there is no ambiguity between the two. Will your investment portfolio survive a crisis? Use these 6 stress tests to find out A stress test involves subjecting investments to a specific risk to check how it is likely to impact returns. If you can measure the damage, you will know how to counter it during a crisis. Here are 6 stress tests to conduct in different scenarios.

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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.

9 money management skills kids should learn: How does your child score? Is your child managing money right? Are his/her money skills on the right track or is there something you could do to check them if they are not? Find out how your child scores on these nine aspects of personal finance. Diabetes health insurance is expensive. Here's a 4-point guide to manage related costs Diabetes-specific plans are expensive. The downside of generic health plans is the longer waiting period. Besides the price it exacts on your health, diabetes also places enormous strain on finances. Find out ways to mitigate the financial burden. Remaining in your comfort zone for long can derail your career. Here are 5 reasons why To avoid being displaced by someone who is willing to work for less or by new technology, step out of your comfort zone and seek avenues that make you more valuable for your firm as well as for the market where you will face stiffer competition. Are independent health insurance covers for seniors unaffordable? Here's what experts say Health insurance plans for senior citizens have become unaffordable after steep premium hikes. There have been cases of the premium being increased by 400% and those where the premium exceeded coverage limit. Here's what experts have to say on this. How to get out of a debt trap It is important to cut back on all lifestyle and unnecessary expenses in order to repay your debts fast. Realty hot spot series: This Kolkata locality is an upcoming residential hub Good connectivity, proximity to offices make this area in Kolkata attractive to buyers. The locality has many renowned schools, hospitals, shopping malls and other recreational places. The nearest railway station is 16 km away. Q2 results: Weakest topline growth in 8 quarters; but here's why equity market is still upbeat Among the factors leading to weak topline growth, the most important is the inventory clearing strategy adopted by the auto sector in the second quarter. Despite this, companies reported good bottomline growth thanks to the cut in corporate taxes. Stock pick of the week: Factors that have made JSPL a favourite of analysts JSPL is expected to win the Chhattisgarh's Gare Palma coal block allotment, as it is the highest bidder and also a former allottee of this mine. It will help the firm to make an annual savings of around Rs 500 crore and raise its EBITDA by around 7%. Tax optimiser: NPS, LTA claim can help salaried Gupta cut tax by Rs 4 lakh Not only should you ask your employer for the NPS benefit, but you should also invest in the scheme on your own. You can reduce your tax outgo significantly. Hence in this way, you can optimise your tax by rejigging your income and investments. Family finance: Headstart in financial planning gives Sadekars enough time to meet goals A headstart in planning gives Pune-based Sadekars a long time horizon despite deferring some goals. Their goals include building an emergency corpus, saving for their future child's education and wedding, buying a car and building a retirement kitty. What is a concentrated mutual fund portfolio? The more concentrated a portfolio is, the higher the chance for its returns to deviate significantly from the benchmark, either positively or negatively. This is the beginning of a new era in the mid-cap space: Swarup Mohanty, Mirae Asset Mutual Fund "We intend to address the midcap space in a new way. We now have 3 new fund managers who we believe will be able to execute the mandates effectively. Our product basket in equity is complete," says Swarup Mohanty, MD & CEO, Mirae Asset Mutual Fund. Alternative investment returns monitor: For the week ending November 6, 2019 Here are the alternative investment options with their returns, for the week ending November 6, 2019. The proportion and purpose of these is vastly different.

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El iceberg de la financiación para empresas

Lo que más sorprende a muchos empresarios cuando empiezan a trabajar con nosotros es la cantidad de entidades financieras de todo tipo que hay. La mayoría cuando piensan en financiación solo piensan en bancos. Algunos pocos piensan también en empresas de créditos rápidos o de renting. Muy pocos, los que están algo metidos en este mundillo, piensan también en empresas de crowdlending, funding, equity, etc. Y casi nadie es consciente de la realidad: todo eso solo la superficie, la mayoría de las entidades financieras son desconocidas para el gran público. Como en esas imágenes que encuentras en internet o en mensajes de whatsapp en las que sale un iceberg que es muchísimo más grande bajo el agua que sobre ella. Hay hasta bancos (españoles) que el 99% de la gente por la calle no conoce. Nosotros, en España, trabajamos con más de 150 entidades financieras distintas. La mayoría solo las conocemos los profesionales del sector y, obviamente, las empresas que ya trabajan con ellas. Si estás buscando financiación para tu empresa, ésto son buenas noticias... ¡Pero ojo!, como con un iceberg en alta mar, hay que saber lo que te haces para no irte a pique. Para navegar seguro y no tener sustos, nosotros podemos ayudarte. Déjanos tus datos y te llamamos Elsa

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DAILY BRIEF Mon, Nov 11, 2019 #Q2Earnings#SmallcapHunters#IPOs#ExpertViews#StockRecos SENSEX 40345.08 21.47 NIFTY 50 11913.45 5.30 Gold 37780.00 93.00 USD/INR 71.46 0.19

TOP OF THE DAY Tax fears keep family offices at bay from investing in India despite Sebi leeway Sebi recently announced operational guidelines for FPIs and depository participants. Nifty forms small bullish candle, but is likely to consolidate more YES, IRCTC extend dream run; 78 stocks flash 'sell' signal NBFC crisis sparks gold rush for some lenders Priciest stock on D-St shows resilience to consumer slowdown Mid, smallcap-focused PMSes played catch up with largecap peers 12 buy ideas that analysts say can give solid returns

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