How taking loan moratorium will impact your future EMIs

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THE ECONOMIC TIMES Tue, Jun 09, 2020 | 09:44 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

How taking loan moratorium will impact your future EMIs Borrowers have been allowed to opt for loan moratorium and skip EMIs for 3-6 months. These 3 high-NPV stocks can give superior returns in long run It is appropriate to calculate the net present value (NPV) of a stock on a relative/ranking basis to evaluate their performance because stocks that score well on NPV have the ability to generate superior returns in the long run. We identify three such stocks for you. Podcast: What to do if you are facing a coronavirus-related financial emergency Due to the lockdown, many are struggling to make ends meet. If you are in a covid-related money emergency, this podcast tells you what to do. Host: Tania Jaleel; Producer: Paramveer Singh. What should be rate of withdrawal from savings to meet expenses after retirement? Even for people who have reasonable savings, the main problem in retirement planning in India is to compensate for inflation. Over the average 25-year period during which a retiree needs income, one can expect prices to rise by about five times. From our Partners How Tinder is amplifying and supporting female-led businesses Reforming the pet-care industry in India and making citizens' voices heard on laws and regulations, Devanshi Shah and Antaraa Vasudev are revolutionising the start-up ecosystem. From our Partners Covid-19: Minimise disruption to society residents with this app These 16 financially strong companies with high Piotroski score can be good stock bets In 2002, Joseph Piotroski introduced a scoring method that helps determine the financial strength of a company. The Piotroski Score awards 1 point for every parameter met. Stocks with scores of 8-9 are considered fundamentally good. Risks of becoming a loan guarantor and what to do in case of loan repayment default Loan defaults are bad news for people who have stood as guarantors to loans taken by friends and relatives. Most people know that a guarantor is liable to pay if the borrower defaults on the loan repayment. There are other risks that the guarantor is exposed to. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 9.50 -3.29 -9.28 6.24 Invest Now Axis Bluechip Fund-Growth ★★★★★ 8.05 -4.45 -9.84 6.09 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 7.01 -0.85 -6.60 8.13 Invest Now Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 5.73 -2.20 -7.25 7.92 Invest Now HDFC Index Sensex Fund-Growth ★★★★★ 3.89 -12.84 -15.16 8.69 Invest Now FeaturedL&T Large and Midcap Fund Direct-Growth ★★★★★ -2.21 -10.50 -12.51 6.44 Start SIP Dos and don'ts of interacting with recruiters when hunting for job If you have been approached by a recruiter for a job interview or you have decided to avail the services of one, there are certain dos and don'ts that you must remember. Money may be enough if you do this in retirement The biggest worry of people is how to make money last in their retirement. With the Covid pandemic led recession looming, the future looks dark. However, there are three things a retiree can do to simplify his/her retirement.

FEATURED SLIDESHOWS

How to realise the full potential of your investments 5 ways to ensure financial wellness during coronavirus Making UPI payments? These common scams await you in the lockdown Do you know how much you are paying to get paid? More Slideshows

Financial Calculators Old or new tax slab regime? Use this calculator to find out 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. 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.

Stock pick of the week: Why UPL is expected to gain market share UPL plans to monetise part of its R&D pipeline on proprietary and generic products. This is expected to fetch around $3 billion revenues in the coming years, making the company a favourite of analysts. Mirae Asset Emerging Bluechip Fund review: A mutual fund that outshone peers for years While the market cap focus has shifted, the fund's investment strategy remains the same, driven by proven stock-picking acumen of its long-serving fund manager. The fund continues to outshine peers, extending its stellar track record over the years. Realty hot spot series: Good infrastructure is the main draw of this Kolkata locality There are 1,2,3 and 4 BHK properties in the locality. The houses are priced between Rs 2,700 per sq foot (sq ft) and Rs 5, 900 per sq ft. A 1-BHK (480 sq ft) costs an average of Rs 17 lakh and a 4-BHK (1,900 sq ft) costs about Rs 80 lakh. 3 tips on how to switch from high salaried job to entrepreneurship A first-generation entrepreneur has to allow the business idea to grow without demanding too much funding too early. The business needs to demonstrate its sustainability, to be able to attract funding from investors. There is little chance of markets revisiting March 2020 lows: Taher Badshah, Invesco Mutual Fund "Markets are currently at a stage where one cannot be overly aggressive or defensive. Trajectory of economic recovery is unclear and the next few quarters may necessitate constant readjustment on either side." MF portfolio doctor: Mirza needs to increase all SIPs by 15% every year to reach goals The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. How to contribute to NPS account using UPI To be able to make a contribution using UPI, the key requirement is to have a UPI ID. The subscriber needs to download the UPI application of the bank. A UPI id of the subscriber's choice needs to be registered on the application. What is emergency fund ratio? Actual number applicable to any household will depend upon the number of earning members, the stability of income and ability to raise easy credit. Family finance: Why salaried Bhatia doesn't need life insurance and can meet goals easily Bhatia's portfolio includes property worth Rs 2.7 crore (self-occupied house and other properties), cash of Rs 10 lakh, debt worth Rs 60 lakh in the form of gold and fixed deposit, and equity worth Rs 95 lakh in the form of stocks and mutual funds. How Sensex, US dollar, 10-year G-sec performed during week ending June 06, 2020 Here's a weekly tracker of returns that will keep you updated on how the stock market index, gold prices and 10-year bond yields have performed. This will give investors an idea of how their investments performed over a long period.

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