Новости за 03.02.2020

Psychology says your identity is the way you define your uniqueness through your past, present and future. You may identify strongly with your community and extinguish your personal self or vice versa.

Investment managers primarily focus on selectivity. They modify portfolios to underweight sectors that aren’t doing well; they choose stocks they expect to perform, dropping those that don’t.

Personal financial situations are different at different stages of life. Hence, by locking your money in tax-saving products, which are typically long-term products, you might be making a mistake.

Now chit funds are trying to carve out a cleaner identity, a campaign that culminated in a slew of amendments to the Chit Fund Act. These changes have become operative from the beginning of this year.

To be able to take advantage of lower interest rates or better service, customers may want to transfer their home loan to another bank. For this one needs to have a timely EMI payment history and credit score.

Do not invest in chit funds without knowing how it works. Many investors have lost their hard-earned money without. Here is all you need to know about investing in them.

Company’s energy use, pollution, natural resource conservation, carbon footprint, accounting policy, transparency, community development, managing supplier and distributor relationship can be some of the criteria for scoring.

To attract interest of investors bored with plain vanilla equity schemes, fund houses have been busy announcing NFOs based on exotic strategies. However, these strategies are best left to informed investors. ET Wealth analyses each of these methods.

Savers and investors need to understand that there is a difference between buying a financial product and buying shoes. A vast knowledge gap exists about investments, and this gap is bigger for those who need the knowledge the most.

This week’s cover story looks at four such avenues. We examine what could make these high risk avenues potential winners and tell you how to make most of this opportunity. However, these avenues are inherently risky and not for the faint hearted.

While fixed costs have no relation to sales volume, the variable costs have a direct proportional relationship to sales revenue. Rising revenue and high operating leverage help expand profits through efficient utilisation of fixed costs.

ONGC is the country’s largest oil exploration and production (E&P) company. ONGC is quoting at a lower valuation compared to other PSU oil majors in terms of price to earnings (PE) and price to book (PB) ratio (see chart).

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.

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.