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Mohan and Preety, crossing cultural boundaries, established a successful medical practice in rural India, enabling them to buy a home and invest wisely.

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Starting the college life

Getting the first job

Buying a Health Insurance

Asset Allocation Matched to the Market Cycle Creates Outsized Returns

The integration of AI in stock market investing, leveraging technologies like Deep Learning and Natural Language Processing, is revolutionizing decision-making and risk management.

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Why invest in gold?As Indians, we love owning gold jewelry. Whether it is for religious, cultural, or financial reasons, gold jewelry has always found a place in most households in our country. The primary rationale for gold investments is portfolio diversification, and in that context, gold is viewed as the ideal hedge against inflation and the potential volatility of equity investments. In addition, over the past 20 years, gold has returned an average of 11.2%. This indicates that 20 years later, INR 100 invested in gold would be worth INR 222. However, being a valuable metal, the safety of the jewelry is of high concern to investorsWays to invest in gold.There are some conventional and modern types of gold investments preferred by people. In conventional forms, it was just buying physical gold in the forms of jewelry, coins, billions, or artifacts. Today's investors have more options than ever before, including gold funds, sovereign gold bonds (SGBs), and gold exchange-traded funds (ETFs). Gold ETFs is a type of investment fund that holds gold assets, such as bullion or futures contracts, and is traded on a stock exchange. The AMC allots units to the investors that can then be traded on the exchanges. The price of the ETF correlates with the underlying physical gold, adding the flexibility of equity investment to the age-old simple gold investment. This means that investors do not own physical gold, but instead own a share of the ETF that represents a certain amount of gold.  Sovereign Gold Bonds, which are issued by the Reserve Bank of India on behalf of the Indian government come with a 2.50% annual guaranteed interest rate. The bonds have a fundamental unit of 1 gram and are valued in grams of gold. However, there is no underlying gold in the case of sovereign gold bonds. It’s a bond pegged to gold prices and has a sovereign guarantee. So, at maturity, the redemption happens as per the prevailing gold prices‍Here is the illustration of investing in 10 grams of gold across various gold alternatives.‍With a variety of investment options available, exploring your options and understanding your risk tolerance is crucial. Regardless of your choice, remember that gold can be a valuable addition to your portfolio, adding a touch of stability and diversification. Happy investing!

Add the glitter to your portfolio: Diversifying Portfolios with Traditional and Modern Gold Investments in India

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Life is a roller coaster, full of surprises at every turn. While we can't predict what's around the bend, we can make sure we're ready for whatever comes our way. Think of term insurance coverage as a safety net for your loved ones. It's like having a parachute that opens up if something unexpected happens to you. This financial safety cushion ensures that your family can stay secure, even during life's toughest moments.‍How term insurance works?A term life insurance policy is the simplest, purest form of life insurance. You pay a premium for a set period, usually spanning from 5 to 30 years. If you pass away during this period, a cash benefit is paid out to your chosen beneficiaries, providing them with financial support towards their expenses and loan obligations. Term policies do not accumulate cash value, provide no payout once the term ends, and offer no benefits other than a lump sum payout in case of death. To maintain simplicity, the majority of term policies follow a "level premium" structure, meaning your annual or monthly premium remains constant throughout the entire policy term.How much coverage is enough?The coverage provided by term insurance can vary based on individual factors like income, lifestyle, expenses, and debts. This amount should be enough to address future requirements and offset the impact of inflation.You should carefully assess all your family's future requirements, whether it's outstanding debts or potential medical expenses, to determine the appropriate coverage needed for your term plan.‍Let's assess the necessary coverage for Shiv, aged 45, who resides with his wife Parvati, aged 40, and their 15-year-old son, Ganesh. Ganesh is currently in school with three more years of education remaining. Shiv intends to secure sufficient coverage to provide for Ganesh’s future college expenses and marriage, in addition to covering essential household expenses for Parvati, and paying off their outstanding home loan, considering a life expectancy for the couple until age 85.We have assumed that the couple's existing assets will cover the down payment needed for the house. Based on the illustration, Shiv requires a term insurance policy with a sum assured of 1.78 Crores. It's worth noting that one should verify whether the outstanding home loan already includes some form of term insurance that the lender may have required Shiv to obtain when he received loan approval.Another common method used to calculate the term insurance is Income Replacement Method. Typically, life insurance companies use a rule of thumb to calculate human life value, which involves multiplying your income by 5 to 30 times. This multiplier isn't random - it's based on a formula representing current income multiplied by the expected number of years the insured individual will earn an income. For instance, Shiv, who is 45 years old and wants to retire by age of 60, it's recommended to get coverage that's around 15 times of his yearly income.With term insurance as your trusted companion, you can navigate life's uncertainties with confidence, knowing that you've fortified your family's future against any unexpected twists and turns. Just make sure that the sum insured is properly calculated so it can realistically support their needs.

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Understanding the distinctions between these systems is vital for effectively managing one's tax liabilities and maximizing savings.

Maximising Your Savings: Old vs. New Tax Regimes

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Technical Pick of the Week #4 - Gravita India

Company OverviewPrestige Estates Projects Limited, established in 1986, has evolved into a prominent real estate developer with a diverse portfolio encompassing residential, commercial, hospitality, and retail segments. The company has successfully completed over 250 projects, with a total developed area of more than 134 million square feet, solidifying its position as a leading entity in the South Indian real estate market. PEPL is actively expanding its presence in the North and West Indian markets while significantly enhancing its annuity portfolio.Historical PerformanceSold 16.13 million square feet and 8,402 units, completing over 300 projects totaling 180 million square feet81% increase in total sales, reaching INR 16,333 Cr in the first nine months of FY2420% rise in collections, amounting to INR 8,478 Cr19% growth in average realization per square foot, achieving INR 10,143Key Drivers and Investment ThesisRobust Launch Pipeline for FY25: PEPL plans to unveil projects covering approximately 32 million square feet (PEPL's share) by the end of FY25, targeting a Gross Development Value (GDV) of INR 42,000 CrStrong Surplus Cash Flow Projections: With pending receivables of around INR 18,800 Cr and unsold inventory worth approximately INR 16,200 Cr, PEPL anticipates generating a substantial surplus cash flow of about INR 14,200 Cr, considering the balance construction costs of INR 21,200 CrExpansion of Annuity Portfolio: PEPL continues to fortify its annuity portfolio, evidenced by the completion and operationalization of notable projects such as the Prestige Sky Tech office in Hyderabad and the Moxy hotel in BengaluruMarket Dynamics and Strategic Diversification: The company is well-positioned to benefit from the revival in housing demand and potential market share gains amidst industry consolidation. PEPL's increasing geographical diversification and its diversified presence across residential, office, retail, and hospitality segments strategically mitigate the cyclical risks inherent in the real estate sectorFinancial Analysis and ValuationAdopting a Sum of The Parts (SOTP) valuation approach and factoring in a 15% premium to the Net Asset Value (NAV) of INR 1,232, we arrive at a target price of INR 1,417 for PEPL. This valuation suggests a promising 21% upside potential within the next 12-18 months. RecommendationWe recommend a "Buy" rating for Prestige Estates Projects Limited, considering its strong market position, robust launch pipeline, and strategic diversification across various real estate segments. The company's focus on expanding its annuity portfolio and its ability to generate substantial surplus cash flows further strengthen its investment appeal.‍Disclaimer:Mool Capital Limited is a SEBI Registered Research Analyst having registration no. INH000012449. This report has been prepared by Mool Capital Pvt. Ltd. and is solely for information of the recipient only. The report must not be used as a singular basis of any investment decision. The views herein are of a general nature and do not consider the risk appetite or the particular circumstances of an individual investor; readers are requested to take professional advice before investing. This document is not, and should not, be construed as an offer or solicitation of an offer, to buy or sell any securities or other financial instruments. This report should not be construed as an invitation or solicitation to do business with Mool Capital. Mool Capital and its affiliated company(ies), their directors and employees may; (a) from time to time, have a long or short position in, and buy or sell the securities of the company(ies) mentioned herein or (b) be engaged in any other transaction involving such securities and earn brokerage or other compensation or act as a market maker in the financial instruments of the company(ies) discussed herein or act as an advisor or lender/borrower to such company(ies) or may have any other potential conflict of interests with respect to any recommendation and other related information and opinions.

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