In today's edition of the 1% playbook, we look at how Warren Buffett has bucked the market trend and emerged as the only centi-billionaire to add more value to his portfolio while his peers in the 1% club have lost billions. Is there a lesson to learn from Warren Buffett?

How Buffett added billions despite tariffs

The stampede in global markets gathered momentum Monday, and investors piled into safe-haven assets as the fallout from US President Donald Trump's tariffs deepened. The carnage in financial markets has analysts betting on five Federal Reserve rate cuts this year, up from just two last month

Traders increase fed rate cut bets to five

Markets flash eerie echoes of 1987's 'black monday' crash.
The mayhem is already signalling another 'black monday. '
The carnage in financial markets unleashed by President Trump's tariffs is continuing unabated as equities get pummeled.
US Stock futures show the over 11 trillion Dollar wipeout since Trump's first day in office isn't over.

Markets flash eerie echoes of 1987's 'black monday' crash

Gold’s price rally has been the only constant in an otherwise volatile market. Now, this surge is fueling a renewed interest in gold mining stocks. In 2024, investors largely avoided gold mining stocks, favouring physical gold and derivatives. However, with stronger cash flows expected, investor sentiment is shifting back to gold mining equities.

Low valuations make gold mining stocks attractive again

When markets tank and uncertainty looms, the rich aren't running for cover—they’re gearing up. The elite knows the golden rule of wealth: uncertainty equals opportunity. While the masses scramble to protect their portfolios, the 1% sees a chance to load up on undervalued assets, capitalising on the fear others can’t stomach.

How wealthy investors turn crisis into profit

For centuries, gold has been more than just an ornament in Indian households—it has symbolised security and prosperity.

But today, the way Indians invest in gold is changing.

Is gold moving from lockers to digital portfolios?

Let’s delve into the numbers and the trends driving this shift.

Take a look…

Household gold: India’s most undervalued asset?

Warren Buffett has been a net seller for eight straight quarters, reducing stakes in Apple, Bank of America, and Citi while increasing investments in Constellation Brands, SiriusXM, and Occidental Petroleum. With most of his cash in US Treasury Bills, is Buffett playing it safe in an overheated market? Watch for a deep dive into his latest investment strategy.

Warren Buffett's portfolio shift: Stocks sold & bought revealed

According to the Bangladesh Bureau of Statistics (BBS), the number of people seeking employment in the country of 170 million has hit 2.66 million.

Economist Yunus leads Bangladesh to economic collapse

Bangladesh is facing mounting economic challenges as both public and private investments remain stagnant. Watch this report for more details!

Bangladesh risks crisis as investment plummets

Investment bankers in china are striving to maintain relevance after a challenging year for dealmaking. They have seen significant pay cuts and heightened regulatory scrutiny that has dampened the once thriving industry.

China's Investment Bankers Struggle With Low Pay & Fewer Deals

Investment bankers in china are striving to maintain relevance after a challenging year for dealmaking. They have seen significant pay cuts and heightened regulatory scrutiny that has dampened the once thriving industry.



The investment landscape in India is evolving rapidly, particularly among younger generations such as gen z and millennials. Young Indians' saving habits outlook 2024, 93% of young adults save regularly, with many setting aside 20-30% of their monthly income for future financial goals. Watch in for more details!

Young Indians Embrace Stocks Over Gold

<p>American Influencer and professional wrestler Logan Paul is currently a target of controversies over his cryptocurrency investments as concerns rise that he might have profited by misleading his fans, reported BBC.</p>

<p>According to the new evidence, Paul promoted investments without disclosing that he had a financial interest in them, according to BBC.</p>

<p>The popular social media influencer has over 23 million followers on YouTube. His influence has led to a spike in investment prices, leading to suggestions that he could have profited from sales of any tokens he held.</p>

<p>Moreover, he is also facing a multimillion-dollar lawsuit over a failed crypto project called CryptoZoo. However, he has denied any wrongdoing.&nbsp;</p>

<p><a href="https://www.wionews.com/world/us-senator-chuck-schumer-asks-fda-to-investigate-logan-paul-ksis-prime-energy-drink-613980"><strong>Also read:&nbsp;US Senator Chuck Schumer urges FDA to investigate Logan Paul, KSI’s ‘PRIME’ energy drink. Here's why</strong></a></p>

<p>The report revealed that shortly after Paul took to X, and posted about a particular crypto coin in 2021, an anonymous crypto wallet with close connections to his public wallet had traded in the coin. The anonymous wallet went on to make a $120,000 (£92,000) profit.</p>

<p>BBC's findings come after Time Magazine reported a similar activity involving a different cryptocurrency and another anonymous wallet.&nbsp;</p>

<p>Paul has been refusing to talk to the BBC about the ongoing investigation. Later, he appeared to relent and invited the BBC to interview him at his gym in Puerto Rico.&nbsp;</p>

<p>Paul was sent a list of the allegations BBC wanted him to respond to. His PR team requested the BBC crew to travel to the Caribbean island so he could answer in person.</p>

<p>Later, when the BBC crew arrived at Paul's gym, a Logan Paul lookalike turned up in his place, shortly followed by a crowd shouting abuse about the BBC.&nbsp;</p>

<p>After abandoning the interview, the British public service broadcaster received a lawyer’s letter on behalf of Paul, warning them of possible consequences if the findings were published.</p>

<p>Tech journalist Will Gotsegen said that crypto is a market-driven to some extent by social media and influencers, adding, "A big guy with a lot of influence... someone like Logan Paul, buys a tonne of crypto and tells their followers about it. They're going to buy it too.”</p>

<p><em>(With inputs from agencies)</em></p>


American Influencer and professional wrestler Logan Paul is currently a target of controversies over his cryptocurrency investments as concerns rise that he might have profited by misleading his fans, reported BBC.

American Influencer and professional wrestler Logan Paul is currently a target of controversies over his cryptocurrency investments as concerns rise that he might have profited by misleading his fans, reported BBC. According to the new evidence, Paul promoted investments without disclosing that he had a financial interest in them, according to BBC. The popular social media influencer has over 23 million followers on YouTube. His influence has led to a spike in investment prices, leading to suggestions that he could have profited from sales of any tokens he held. Moreover, he is also facing a multimillion-dollar lawsuit over a failed crypto project called CryptoZoo. However, he has denied any wrongdoing. Also read: US Senator Chuck Schumer urges FDA to investigate Logan Paul, KSI’s ‘PRIME’ energy drink. Here's why The report revealed that shortly after Paul took to X, and posted about a particular crypto coin in 2021, an anonymous crypto wallet with close connections to his public wallet had traded in the coin. The anonymous wallet went on to make a $120,000 (£92,000) profit. BBC's findings come after Time Magazine reported a similar activity involving a different cryptocurrency and another anonymous wallet. Paul has been refusing to talk to the BBC about the ongoing investigation. Later, he appeared to relent and invited the BBC to interview him at his gym in Puerto Rico. Paul was sent a list of the allegations BBC wanted him to respond to. His PR team requested the BBC crew to travel to the Caribbean island so he could answer in person. Later, when the BBC crew arrived at Paul's gym, a Logan Paul lookalike turned up in his place, shortly followed by a crowd shouting abuse about the BBC. After abandoning the interview, the British public service broadcaster received a lawyer’s letter on behalf of Paul, warning them of possible consequences if the findings were published. Tech journalist Will Gotsegen said that crypto is a market-driven to some extent by social media and influencers, adding, "A big guy with a lot of influence... someone like Logan Paul, buys a tonne of crypto and tells their followers about it. They're going to buy it too.” (With inputs from agencies)

American influencer Logan Paul accused of misleading fans over his cryptocurrency investments

<p>Mutual funds have emerged as one of the favourite investment options for investors in today's time.&nbsp;However, what is the right way to invest money in mutual funds has left many investors confused.&nbsp;</p>

<p>For investors, it is important to make the right investment decision on mutual funds to secure their financial future and ensure the best returns from the investment</p>

<h2><strong>How can investors invest in mutual funds?</strong></h2>

<p>The investors have two ways to invest in mutual funds.&nbsp;One way is to make a "Lumpsum" investment and the other is to go for a "Systematic Investment Plan&nbsp;or SIP" in which a fixed amount is invested in the fund at specific intervals.&nbsp;</p>

<p>In lumpsum investments, the investors can purchase the number of units they wish in one move. This investment helps in creating extra wealth and liquidity. The timing of the investment is the key strategy in the lumpsum&nbsp;method.&nbsp;</p>

<p>In the Systematic Investment Plans&nbsp;(SIPs), the investor is able to invest a specific amount in the funds at regular intervals. This amount is generally deducted from the bank account of the investor.&nbsp;</p>

<p><strong>Also Read:&nbsp;</strong><a href="https://www.wionews.com/business-economy/money-wise-planning-to-redeem-your-mutual-fund-units-what-every-indian-investor-should-know-742407">Money-Wise: Planning to redeem your mutual fund units? What every Indian investor should know</a></p>

<p>So what is a more advantageous mutual fund investment: lumpsum or SIP?</p>

<h2><strong>Lumpsum vs SIP: Who's the winner?</strong></h2>

<table border="1" cellpadding="1" cellspacing="1" style="width: 500px;">
	<tbody>
		<tr>
			<td>
			<h3><strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Lumpsum</strong></h3>
			</td>
			<td>
			<h3>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;SIP</h3>
			</td>
		</tr>
		<tr>
			<td>A large amount gets invested in one go</td>
			<td>A fixed amount is invested at regular intervals</td>
		</tr>
		<tr>
			<td>It has a moderate to high-risk appetite</td>
			<td>It has a low to moderate risk appetite&nbsp;&nbsp;</td>
		</tr>
		<tr>
			<td>It is for short-term goals</td>
			<td>It is for long-term goals</td>
		</tr>
		<tr>
			<td>It is very market-responsive&nbsp;</td>
			<td>It is not only dependent on market upheaval&nbsp;</td>
		</tr>
		<tr>
			<td>Not required to keep an eye on the market regularly</td>
			<td>It requires regular monitoring of market performance&nbsp;</td>
		</tr>
		<tr>
			<td>It is less flexible&nbsp;</td>
			<td>It is more flexible</td>
		</tr>
		<tr>
			<td>The cost of investment is high</td>
			<td>The cost of investment is low</td>
		</tr>
		<tr>
			<td>Works well in bullish market conditions</td>
			<td>Works well in volatile market conditions</td>
		</tr>
		<tr>
			<td>No benefit of cost-averaging&nbsp;</td>
			<td>Benefit of cost-averaging</td>
		</tr>
	</tbody>
</table>

<p>&nbsp;</p>

<p>Hence, both lump sum and SIP have their advantages as well as disadvantages.&nbsp;</p>

<p>An investor should make choices on the basis of their financial goals, their ability to invest in the market and their appetite for taking risks.&nbsp;</p>

<p><strong>Watch:&nbsp;Warren Buffett's Cash Reserves Stir Anxiety In Markets</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/warren-buffetts-cash-reserves-stir-anxiety-in-markets-775715/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<p>For example, SIP will be a good option for an investor who does not have a lumpsum amount but can afford to invest a small part of his/her salary every month.&nbsp;</p>

<p>However, if there is an investor with lying cash and has a good understanding of the market, he/she can go for the lumpsum investment because it is a high-risk investment.</p>


Mutual funds have emerged as one of the favourite investment options for investors in today's time. However, what is the right way to invest money in mutual funds has left many investors confused.

Mutual funds have emerged as one of the favourite investment options for investors in today's time. However, what is the right way to invest money in mutual funds has left many investors confused. For investors, it is important to make the right investment decision on mutual funds to secure their financial future and ensure the best returns from the investment How can investors invest in mutual funds? The investors have two ways to invest in mutual funds. One way is to make a "Lumpsum" investment and the other is to go for a "Systematic Investment Plan or SIP" in which a fixed amount is invested in the fund at specific intervals. In lumpsum investments, the investors can purchase the number of units they wish in one move. This investment helps in creating extra wealth and liquidity. The timing of the investment is the key strategy in the lumpsum method. In the Systematic Investment Plans (SIPs), the investor is able to invest a specific amount in the funds at regular intervals. This amount is generally deducted from the bank account of the investor. Also Read: Money-Wise: Planning to redeem your mutual fund units? What every Indian investor should know So what is a more advantageous mutual fund investment: lumpsum or SIP? Lumpsum vs SIP: Who's the winner? Lumpsum SIP A large amount gets invested in one go A fixed amount is invested at regular intervals It has a moderate to high-risk appetite It has a low to moderate risk appetite It is for short-term goals It is for long-term goals It is very market-responsive It is not only dependent on market upheaval Not required to keep an eye on the market regularly It requires regular monitoring of market performance It is less flexible It is more flexible The cost of investment is high The cost of investment is low Works well in bullish market conditions Works well in volatile market conditions No benefit of cost-averaging Benefit of cost-averaging Hence, both lump sum and SIP have their advantages as well as disadvantages. An investor should make choices on the basis of their financial goals, their ability to invest in the market and their appetite for taking risks. Watch: Warren Buffett's Cash Reserves Stir Anxiety In Markets For example, SIP will be a good option for an investor who does not have a lumpsum amount but can afford to invest a small part of his/her salary every month. However, if there is an investor with lying cash and has a good understanding of the market, he/she can go for the lumpsum investment because it is a high-risk investment.

Money-Wise | SIP or lumpsum: What is a better mutual fund investment?

<p class="MsoNormal"><span lang="EN-GB">San Francisco-based robotics startup Physical Intelligence has secured $400 million in funding, reaching a post-money valuation of $2.4 billion, the company confirmed on November 4 according to a detailed report by CNBC.</span></p>

<p class="MsoNormal"><span lang="EN-GB">The round was led by a prominent group of investors, including Amazon founder Jeff Bezos, OpenAI, Thrive Capital, Lux Capital, and Bond Capital. Khosla Ventures and Sequoia Capital also participated, marking a significant boost for the startup's ambitious vision the CNBC report detailed further.</span></p>

<p class="MsoNormal"><span lang="EN-GB">This new funding round is a dramatic leap from Physical Intelligence's previous seed round in March, when the company raised $70 million at a valuation of $400 million. The startup’s impressive growth and increasing valuation reflect the growing interest in developing robotics powered by advanced AI, particularly in the realm of general-purpose, task-oriented robots.</span></p>

<p class="MsoNormal"><b style="mso-bidi-font-weight:normal"><span lang="EN-GB">Objective of Physical Intelligence<o:p></o:p></span></b></p>

<p class="MsoNormal"><span lang="EN-GB">Physical Intelligence aims to bring "general-purpose AI into the physical world" by developing AI models and algorithms capable of powering versatile robots. The company's team includes experts with backgrounds from top tech firms such as Tesla, Google DeepMind, and X (formerly Twitter), adding significant credibility to its mission.</span></p>

<p class="MsoNormal"><span lang="EN-GB">Further, over the past eight months, Physical Intelligence has focused on creating a "general-purpose" AI model that can enable robots to perform a variety of tasks. The company sees this as a crucial step toward its long-term goal of achieving artificial general intelligence (AGI), AI that can match or exceed human cognitive abilities across a wide range of activities.</span></p>

<p class="MsoNormal"><span lang="EN-GB">The company's vision is that, in the future, users will be able to ask robots to perform any task in much the same way they currently interact with large language models (LLMs) like ChatGPT. Physical Intelligence has already demonstrated how its technology could enable robots to perform everyday tasks such as doing laundry, clearing tables, or assembling boxes, tasks that typically require human ability, decision-making, and adaptability.</span></p>

<p class="MsoNormal"><span lang="EN-GB">The investment news arrives shortly after OpenAI's recent updates to its ChatGPT platform, which introduced a search feature aimed at better competing with major search engines like Google and Microsoft's Bing. The move signals a continued push by OpenAI to expand its reach beyond chatbots and into broader AI applications. Last month, OpenAI closed another funding round, which valued the company at a staggering $157 billion.</span></p>

<p class="MsoNormal"><span lang="EN-GB">Physical Intelligence's growth mirrors this trend, positioning the startup as a potential key player in the robotics and AI sectors. The company’s focus on developing scalable AI solutions for robots aligns with the growing interest in automation and AI-driven technologies across industries, from manufacturing to personal assistants.</span></p>

<p class="MsoNormal"><span lang="EN-GB">The fresh capital and high-profile backing suggest that Physical Intelligence could be on track to revolutionize how robots integrate into everyday life, bringing us closer to a future where robots perform complex tasks seamlessly alongside humans. As the field of AI-driven robotics evolves, the company's advancements could play a crucial role in shaping the next generation of intelligent machines.</span></p>


San Francisco-based robotics startup Physical Intelligence has secured $400 million in funding, reaching a post-money valuation of $2.4 billion, the company confirmed on November 4 according to a detailed report by CNBC.

San Francisco-based robotics startup Physical Intelligence has secured $400 million in funding, reaching a post-money valuation of $2.4 billion, the company confirmed on November 4 according to a detailed report by CNBC. The round was led by a prominent group of investors, including Amazon founder Jeff Bezos, OpenAI, Thrive Capital, Lux Capital, and Bond Capital. Khosla Ventures and Sequoia Capital also participated, marking a significant boost for the startup's ambitious vision the CNBC report detailed further. This new funding round is a dramatic leap from Physical Intelligence's previous seed round in March, when the company raised $70 million at a valuation of $400 million. The startup’s impressive growth and increasing valuation reflect the growing interest in developing robotics powered by advanced AI, particularly in the realm of general-purpose, task-oriented robots. Objective of Physical Intelligence Physical Intelligence aims to bring "general-purpose AI into the physical world" by developing AI models and algorithms capable of powering versatile robots. The company's team includes experts with backgrounds from top tech firms such as Tesla, Google DeepMind, and X (formerly Twitter), adding significant credibility to its mission. Further, over the past eight months, Physical Intelligence has focused on creating a "general-purpose" AI model that can enable robots to perform a variety of tasks. The company sees this as a crucial step toward its long-term goal of achieving artificial general intelligence (AGI), AI that can match or exceed human cognitive abilities across a wide range of activities. The company's vision is that, in the future, users will be able to ask robots to perform any task in much the same way they currently interact with large language models (LLMs) like ChatGPT. Physical Intelligence has already demonstrated how its technology could enable robots to perform everyday tasks such as doing laundry, clearing tables, or assembling boxes, tasks that typically require human ability, decision-making, and adaptability. The investment news arrives shortly after OpenAI's recent updates to its ChatGPT platform, which introduced a search feature aimed at better competing with major search engines like Google and Microsoft's Bing. The move signals a continued push by OpenAI to expand its reach beyond chatbots and into broader AI applications. Last month, OpenAI closed another funding round, which valued the company at a staggering $157 billion. Physical Intelligence's growth mirrors this trend, positioning the startup as a potential key player in the robotics and AI sectors. The company’s focus on developing scalable AI solutions for robots aligns with the growing interest in automation and AI-driven technologies across industries, from manufacturing to personal assistants. The fresh capital and high-profile backing suggest that Physical Intelligence could be on track to revolutionize how robots integrate into everyday life, bringing us closer to a future where robots perform complex tasks seamlessly alongside humans. As the field of AI-driven robotics evolves, the company's advancements could play a crucial role in shaping the next generation of intelligent machines.

Jeff Bezos, OpenAI back robot startup physical intelligence at $2.4 billion valuation

The U.S. Election day is almost here, and investors from stocks to cryptos are bracing for extreme volatility. Investors are expected to watch the vote margins and tweak their bets through the election night.

Investors From Stocks To Crypto Brace For U.S. Election Volatility

Over the past decade, the oil and gas extraction industry shows the fastest increases in labour productivity, Outpacing the number one ranked tech sector historically. Take a look at this next report as we deep dive into the reasons...

Oil Industry Innovations Pump Up Profits

We turn our attention to the surge in the dollar and its impact on asian currencies and international trading ability. Investors are feeling more confident that asian central banks have the means to counteract the dollar's gain following the u.S. Presidential election. The reason: asia's 6.4 trillion dollar foreign currency reserve pile.

Strong FX Stockpile Shield Asian Countries

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<p>IPO or an initial public offering has become one of the most lucrative investment options for investors who are targetting a lump sum amount of profit over a fixed capital.</p>

<p>India's IPO market is currently buzzing as some major companies like Hyundai Motor, Swiggy, Bajaj Housing Finance, and NTPC Green are set to open subscriptions to their IPOs in the days ahead.</p>

<p>The unlisted share price of Hyundai Motor India Ltd has seen a significant decline days before its mega IPO and the the grey market premium (GMP) has fallen by around 75 per cent.</p>

<p><strong>Also Read:&nbsp;</strong><a href="https://www.wionews.com/business-economy/money-wise-planning-to-invest-in-an-ipo-here-are-five-things-you-must-keep-in-mind-738265">Money-Wise: Planning to invest in an IPO? Here are five things you must keep in mind</a></p>

<p>Such scenarios make it difficult for investors to predict the future of IPOs and take into consideration the risk factors involved in this investment.</p>

<p>Explaining the risk involved in investing in IPOs, Prashant Rao, Director &amp; Head - Equity Capital Markets, Anand Rathi Investment Banking, said to WION, "It does not always guarantee quick gains, as the performance of newly listed stocks can vary based on multiple factors. While some IPOs offer immediate listing gains due to high demand, market sentiment, and favourable pricing, this may not always be the case. Stocks can also underperform or experience volatility in the short term."</p>

<p>"For long-term returns, the focus should be on the company's fundamentals, cash flow situation, growth potential, and its position within the industry," he added.</p>

<p><strong>Watch:&nbsp;Surge in Indian IPO bids</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/surge-in-indian-ipo-bids-758611/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<p>The investors can achieve sustainable long-term growth if the companies have strong business models and expansion plans, however, an IPO's success depends on thorough research and market&nbsp;conditions.</p>

<h2><strong>Here are key factors to look into while booking profit in an IPO</strong></h2>

<p>If the investors are planning to book profit on an IPO, the decision should not be made randomly but should be taken after looking into some key factors.</p>

<p>Anand Rathi Investment Banking's Director &amp; Head - Equity Capital Markets, Prashant Rao, lists out these key factors for investors.</p>

<ul>
	<li>When booking profits in an IPO, it's important to assess factors such as listing gains, market sentiment, and stock valuation and not go with the flow.</li>
	<li>Strong listing-day performance may offer short-term profit opportunities, while holding the stock could be beneficial if market trends and the company’s fundamentals indicate long-term growth.</li>
	<li>Investors should also monitor the lock-in expiry for major shareholders, as large post-lock-in sale can drive the price down.</li>
	<li>The company’s financial health, growth prospects, and planned use of IPO proceeds (such as capex) are also something based on which investors can form their decision on whether to hold or sell.</li>
	<li>Additionally, staying updated on analyst views and target prices can provide insight into future performance.&nbsp;</li>
</ul>


IPO or an initial public offering has become one of the most lucrative investment options for investors who are targetting a lump sum amount of profit over a fixed capital.

IPO or an initial public offering has become one of the most lucrative investment options for investors who are targetting a lump sum amount of profit over a fixed capital. India's IPO market is currently buzzing as some major companies like Hyundai Motor, Swiggy, Bajaj Housing Finance, and NTPC Green are set to open subscriptions to their IPOs in the days ahead. The unlisted share price of Hyundai Motor India Ltd has seen a significant decline days before its mega IPO and the the grey market premium (GMP) has fallen by around 75 per cent. Also Read: Money-Wise: Planning to invest in an IPO? Here are five things you must keep in mind Such scenarios make it difficult for investors to predict the future of IPOs and take into consideration the risk factors involved in this investment. Explaining the risk involved in investing in IPOs, Prashant Rao, Director & Head - Equity Capital Markets, Anand Rathi Investment Banking, said to WION, "It does not always guarantee quick gains, as the performance of newly listed stocks can vary based on multiple factors. While some IPOs offer immediate listing gains due to high demand, market sentiment, and favourable pricing, this may not always be the case. Stocks can also underperform or experience volatility in the short term." "For long-term returns, the focus should be on the company's fundamentals, cash flow situation, growth potential, and its position within the industry," he added. Watch: Surge in Indian IPO bids The investors can achieve sustainable long-term growth if the companies have strong business models and expansion plans, however, an IPO's success depends on thorough research and market conditions. Here are key factors to look into while booking profit in an IPO If the investors are planning to book profit on an IPO, the decision should not be made randomly but should be taken after looking into some key factors. Anand Rathi Investment Banking's Director & Head - Equity Capital Markets, Prashant Rao, lists out these key factors for investors. When booking profits in an IPO, it's important to assess factors such as listing gains, market sentiment, and stock valuation and not go with the flow. Strong listing-day performance may offer short-term profit opportunities, while holding the stock could be beneficial if market trends and the company’s fundamentals indicate long-term growth. Investors should also monitor the lock-in expiry for major shareholders, as large post-lock-in sale can drive the price down. The company’s financial health, growth prospects, and planned use of IPO proceeds (such as capex) are also something based on which investors can form their decision on whether to hold or sell. Additionally, staying updated on analyst views and target prices can provide insight into future performance.

Money-Wise: Do IPO investments promise assured returns? Here are the risks you must know about

A high-level delegation from Saudi Arabia arrived in Islamabad on Wednesday as agreements worth $2 billion are likely to be signed between both nations. Watch for more details!

High-level Saudi Delegation in Pakistan for $2bn Investment Talks

<p>In the burgeoning Indian market, stocks, mutual funds and real estate have emerged as the most popular investment options for investors.&nbsp;</p>

<p>In an effort to save money, either for children or one's own future, young India has been on the lookout for the best mutual funds or stocks to invest in or has been hunting for real estate properties that can promise them good returns in the future.</p>

<p>This time in Money-Wise, we try to understand from experts what could be the best investment for you.</p>

<h2><strong>Real estate: A stable investment destination&nbsp;</strong></h2>

<p>The popularity of real estate investments has been growing because of their stability, appreciation of return, and value appreciation of rental income and property over time.</p>

<p><strong>Also Read:&nbsp;</strong><a href="https://www.wionews.com/business-economy/money-wise-investing-beyond-borders-these-5-countries-are-best-real-estate-investment-destinations-758186">Money-Wise: Investing beyond borders? These 5 countries are best real estate investment destinations</a></p>

<p>The investment in real estate is long-term but it helps in asset accumulation and wealth-building. Experts explain what makes real estate a steal deal investment option for investors.&nbsp;</p>

<p><strong>Aman Gupta, Director of RPS Group</strong></p>

<ul>
	<li>The housing price index in India has moved northward. It shows average annual growth of around 7-8% year on and in the same period, the stock market has witnessed multiple corrections above 20%.</li>
	<li>Rental yield on residential properties in India, though at a modest 2-3%, is still an assured income stream.&nbsp;</li>
	<li>The government's impetus for low-cost housing, particularly the fact of its scheme giving birth to Pradhan Mantri Awas Yojana, has further strengthened the real estate sector.</li>
</ul>

<p><strong>Manoj Goyal, Director, Forteasia Realty Pvt Ltd</strong></p>

<ul>
	<li>According to Knight Frank India, average 10-year returns from residential properties in top cities in India have hovered around 9-10% per annum, accounting for rental values and capital appreciation. Meanwhile, because of the volatility in Sensex, it has witnessed bouts of negative return together with years of high growth.</li>
	<li>Property investments in India come with huge tax benefits. Availabilities of up to Rs 2 lakh on home loan interest under Section 24, apart from the benefits on principal repayment under Section 80C, can tend to huge tax savings.&nbsp;</li>
</ul>

<h2><strong>Mutual funds and stocks: Liquid investments with promising returns</strong></h2>

<p>Mutual funds and stocks are also preferred by many investors who like the liquidity of the money it offers as well as the promising returns that come with it. Here's what our experts feel about investing in the stock market.</p>

<p><strong>Lt. Col. (Retd.) Rochak Bakshi, Founder and CEO of True North Financial Services</strong></p>

<ul>
	<li>Mutual funds and stocks are liquid assets, which can be liquidated with a single click. In contrast, real estate assets take longer to liquidate, and there are no options for partial withdrawals.</li>
	<li>The rental yield for residential real estate is around 2.5%, while commercial real estate can offer yields in the range of 6% to 8%. Diversified mutual funds typically provide returns of about 12% on average, whereas real estate can appreciate by 6% to 7% annually in prime locations.</li>
</ul>

<p><strong>Vaibhav Kaushik, Research Analyst at GCL Broking</strong></p>

<ul>
	<li>There is an increasing trend to invest in other avenues like stock shares, mutual funds and even cryptocurrency, which in most cases is more liquid. Compared to investments in real estate, these investments make it possible for individual investors to change the kinds of risk they incur by smoothing access to their investments.&nbsp;</li>
	<li>Purchasing properties may turn out to be extremely costly to manage. One has to pay property taxes and if engaged in any possible lawsuits, the expenses can wear out profits.</li>
</ul>

<h2><strong>How should investors plan their real estate investments?</strong></h2>

<p>In India, investors should have a clear understanding of both market trends and strategic approaches to investment when creating real estate wealth. One needs to adopt a smart investing approach and consider location, property type, and time while purchasing real estate. Our experts share tips on how you can make real estate investments.</p>

<p><strong>Watch:&nbsp;Global Markets: Tech Lift Asian Stocks to Two-year High</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/global-markets-tech-lift-asian-stocks-to-two-year-high-762126/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<p><strong>Gunjan Goel, Director at Goel Ganga Developments</strong></p>

<ul>
	<li>First, the investors should always target high-growth areas. Bengaluru, Hyderabad, and Pune, for instance, have always appreciated at above-average rates.</li>
	<li>Understand the power dynamics of rental income. Considering Indian metros, the average rental yield is in the range of 2-4% in the case of residential properties, while it is 6-8% in the case of commercial spaces.</li>
	<li>Consider the leverage factor. Given that home loan interest rates averaged around 8.5% in 2023, and considering the provision of up to ₹2 lakh tax deduction on interest under Section 24, real estate investments can be highly tax-efficient.</li>
</ul>

<p><strong>LC Mittal, Director, Motia Group</strong></p>

<ul>
	<li>One strategy can be value addition through the improvement of property. Renovation of old properties in good locations can give unexpectedly high returns.</li>
	<li>Another lucrative option is considering fractional ownership platforms. These days, some companies allow investors to invest in high-value commercial property and the minimum tickets could go as low as Rs 25 lakh, diluting the barriers to entry to high-value real estate.</li>
</ul>


In the burgeoning Indian market, stocks, mutual funds and real estate have emerged as the most popular investment options for investors. In an effort to save money, either for children or one's own future, young India has been on the lookout for the best mutual funds or stocks to invest in or has been hunting for real estate properties that can promise them good returns in the future.

In the burgeoning Indian market, stocks, mutual funds and real estate have emerged as the most popular investment options for investors. In an effort to save money, either for children or one's own future, young India has been on the lookout for the best mutual funds or stocks to invest in or has been hunting for real estate properties that can promise them good returns in the future. This time in Money-Wise, we try to understand from experts what could be the best investment for you. Real estate: A stable investment destination The popularity of real estate investments has been growing because of their stability, appreciation of return, and value appreciation of rental income and property over time. Also Read: Money-Wise: Investing beyond borders? These 5 countries are best real estate investment destinations The investment in real estate is long-term but it helps in asset accumulation and wealth-building. Experts explain what makes real estate a steal deal investment option for investors. Aman Gupta, Director of RPS Group The housing price index in India has moved northward. It shows average annual growth of around 7-8% year on and in the same period, the stock market has witnessed multiple corrections above 20%. Rental yield on residential properties in India, though at a modest 2-3%, is still an assured income stream. The government's impetus for low-cost housing, particularly the fact of its scheme giving birth to Pradhan Mantri Awas Yojana, has further strengthened the real estate sector. Manoj Goyal, Director, Forteasia Realty Pvt Ltd According to Knight Frank India, average 10-year returns from residential properties in top cities in India have hovered around 9-10% per annum, accounting for rental values and capital appreciation. Meanwhile, because of the volatility in Sensex, it has witnessed bouts of negative return together with years of high growth. Property investments in India come with huge tax benefits. Availabilities of up to Rs 2 lakh on home loan interest under Section 24, apart from the benefits on principal repayment under Section 80C, can tend to huge tax savings. Mutual funds and stocks: Liquid investments with promising returns Mutual funds and stocks are also preferred by many investors who like the liquidity of the money it offers as well as the promising returns that come with it. Here's what our experts feel about investing in the stock market. Lt. Col. (Retd.) Rochak Bakshi, Founder and CEO of True North Financial Services Mutual funds and stocks are liquid assets, which can be liquidated with a single click. In contrast, real estate assets take longer to liquidate, and there are no options for partial withdrawals. The rental yield for residential real estate is around 2.5%, while commercial real estate can offer yields in the range of 6% to 8%. Diversified mutual funds typically provide returns of about 12% on average, whereas real estate can appreciate by 6% to 7% annually in prime locations. Vaibhav Kaushik, Research Analyst at GCL Broking There is an increasing trend to invest in other avenues like stock shares, mutual funds and even cryptocurrency, which in most cases is more liquid. Compared to investments in real estate, these investments make it possible for individual investors to change the kinds of risk they incur by smoothing access to their investments. Purchasing properties may turn out to be extremely costly to manage. One has to pay property taxes and if engaged in any possible lawsuits, the expenses can wear out profits. How should investors plan their real estate investments? In India, investors should have a clear understanding of both market trends and strategic approaches to investment when creating real estate wealth. One needs to adopt a smart investing approach and consider location, property type, and time while purchasing real estate. Our experts share tips on how you can make real estate investments. Watch: Global Markets: Tech Lift Asian Stocks to Two-year High Gunjan Goel, Director at Goel Ganga Developments First, the investors should always target high-growth areas. Bengaluru, Hyderabad, and Pune, for instance, have always appreciated at above-average rates. Understand the power dynamics of rental income. Considering Indian metros, the average rental yield is in the range of 2-4% in the case of residential properties, while it is 6-8% in the case of commercial spaces. Consider the leverage factor. Given that home loan interest rates averaged around 8.5% in 2023, and considering the provision of up to ₹2 lakh tax deduction on interest under Section 24, real estate investments can be highly tax-efficient. LC Mittal, Director, Motia Group One strategy can be value addition through the improvement of property. Renovation of old properties in good locations can give unexpectedly high returns. Another lucrative option is considering fractional ownership platforms. These days, some companies allow investors to invest in high-value commercial property and the minimum tickets could go as low as Rs 25 lakh, diluting the barriers to entry to high-value real estate.

Money-Wise | Real estate vs stocks: Which investment has more promising returns for you?

<p>US billionaire Elon Musk has struck back after not being invited to the UK government's International Investment Summit.</p>

<p>Musk did not get the invitation due to his social media posts during last month’s riots, according to the BBC.&nbsp;</p>

<p>"I don’t think anyone should go to the UK when they’re releasing convicted pedophiles in order to imprison people for social media posts," Musk posted on X.</p>

<p>Musk's remarks came, noting that, earlier this month, the UK government released some prisoners to handle the overcrowding, however, no sex offenders were included.&nbsp;</p>

<p><a href="https://www.wionews.com/world/uk-riots-first-adult-charged-with-rioting-around-100-given-sentences-so-far-750807"><strong>Also read:&nbsp;UK riots: First adult charged with rioting, around 100 given sentences so far</strong></a></p>

<p>In an effort to combat overcrowding in the prison, around 1,750 inmates were released early from jails in England and Wales earlier this month.&nbsp;</p>

<p>Later, following the rioting across the country last month, some people were jailed for encouraging unrest on social media.</p>

<p>The government's plan to alleviate the overcrowding led to several problems. Hundreds of prisoners were freed without tags despite the devices being a condition of their release, and another prisoner was accused of sexually assaulting a woman on the day he was freed. &nbsp;</p>

<p>According to the scheme, criminals serving prison sentences of less than four years for violent offenses, including manslaughter, are among those eligible to be freed.&nbsp;</p>

<p><strong>Watch |&nbsp;UK's Prison: Over 5,500 prisoners planned to be released between September &amp; October</strong></p>

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<p>Violence triggered across the UK after a stabbing attack in Southport, killing three children attending a dance class. At that time, Musk took to X, predicting civil war in the UK and repeatedly attacking the prime minister.</p>

<h2><strong>International Investment Summit&nbsp;</strong></h2>

<p>The government's International Investment Summit is scheduled for October and is the key moment that UK PM Keir Starmer hopes to attract tens of billions of pounds in inward funding for business from the world’s biggest investors.</p>

<p>Musk&nbsp;was invited to last year's summit, but he did not attend. But, he took a starring role in November's AI Summit, including a fireside chat with then PM Rishi Sunak.</p>

<p>As per the report, BBC approached the UK government for their comment, however, there is no response yet.&nbsp;</p>

<p><em>(With inputs from agencies)</em></p>


US billionaire Elon Musk has struck back after not being invited to the UK government's International Investment Summit. Musk did not get the invitation due to his social media posts during last month’s riots, according to the BBC.

US billionaire Elon Musk has struck back after not being invited to the UK government's International Investment Summit. Musk did not get the invitation due to his social media posts during last month’s riots, according to the BBC. "I don’t think anyone should go to the UK when they’re releasing convicted pedophiles in order to imprison people for social media posts," Musk posted on X. Musk's remarks came, noting that, earlier this month, the UK government released some prisoners to handle the overcrowding, however, no sex offenders were included. Also read: UK riots: First adult charged with rioting, around 100 given sentences so far In an effort to combat overcrowding in the prison, around 1,750 inmates were released early from jails in England and Wales earlier this month. Later, following the rioting across the country last month, some people were jailed for encouraging unrest on social media. The government's plan to alleviate the overcrowding led to several problems. Hundreds of prisoners were freed without tags despite the devices being a condition of their release, and another prisoner was accused of sexually assaulting a woman on the day he was freed. According to the scheme, criminals serving prison sentences of less than four years for violent offenses, including manslaughter, are among those eligible to be freed. Watch | UK's Prison: Over 5,500 prisoners planned to be released between September & October × Violence triggered across the UK after a stabbing attack in Southport, killing three children attending a dance class. At that time, Musk took to X, predicting civil war in the UK and repeatedly attacking the prime minister. International Investment Summit The government's International Investment Summit is scheduled for October and is the key moment that UK PM Keir Starmer hopes to attract tens of billions of pounds in inward funding for business from the world’s biggest investors. Musk was invited to last year's summit, but he did not attend. But, he took a starring role in November's AI Summit, including a fireside chat with then PM Rishi Sunak. As per the report, BBC approached the UK government for their comment, however, there is no response yet. (With inputs from agencies)

Elon Musk strikes back after not being invited to UK International Investment Summit

<p>With the expanding global opportunities, there has been an increasing interest in making investments in real estate abroad.&nbsp;</p>

<p>The interest in real estate investments is driven by various reasons, like seeking good returns on invested money, securing residence in foreign countries, leveraging tax benefits or pursuing resident permits or citizenship.&nbsp;</p>

<p><strong>Also Read:</strong>&nbsp;<a href="https://www.wionews.com/business-economy/money-wise-indexation-gone-in-real-estate-is-property-still-best-investment-for-indians-744486">Money-Wise: With 'indexation' gone in real estate, is property still best investment for Indians?</a></p>

<p>But with two ongoing wars - the Israel-Hamas war and Russia-Ukraine war - which have been rattling the international market, should one really invest in real estate abroad and if yes, then which countries would be the safest to do so?&nbsp;</p>

<h2><strong>Five countries which are real estate investment destinations</strong></h2>

<p>When investing in real estate beyond borders, location is critical for profitability and risk reduction.&nbsp;</p>

<p>Our expert - <strong>Gunjan Goel, Director, Goel Ganga Developments</strong> - &nbsp;lists out five countries which are the best locations to make real estate investments in today's time.</p>

<h3><strong>UAE</strong></h3>

<p>Among the Middle Eastern countries, the United Arab Emirates (UAE) is a promising place for investment, especially in Dubai and Abu Dhabi. These cities have high rental returns, a stable and fast-growing economy and attractive investment laws, including tax exemptions on income and residency permits for foreigners who invest in the country.&nbsp;</p>

<h3><strong>United States</strong></h3>

<p>The United States has a lot of potential in terms of real estate investments. Huge renters’ demand, property value growth, and diversified markets are found in hubs such as New York, Los Angeles, and Austin in the US.&nbsp;</p>

<h3><strong>Canada&nbsp;</strong></h3>

<p>Large cities such as Toronto and Vancouver in Canada are perfect investment destinations since they have active markets and sound legal requirements. Nonetheless, this may apply to small towns, which have little economic critique to offer and would, therefore, have a lower stub.</p>

<h3><strong>Australia&nbsp;</strong></h3>

<p>Australia is a safe bet for real estate investment in the cities of Sydney, Melbourne and Brisbane, which have demonstrated steady growth, demand and infrastructure. However, areas that are dependent on a single sector, for instance, mining towns in Australia, may be at higher risk given fluctuations on the economic front.&nbsp;</p>

<p><strong>Watch:&nbsp;China's GDP growth forecast plummets amid real estate crisis</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/chinas-gdp-growth-forecast-plummets-amid-real-estate-crisis-world-business-watch-wion-news-754792/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<h3><strong>Belarus</strong></h3>

<p>The property market in Belarus is growing steadily on the back of a stable economy, lower unemployment rates, attractive lending rates, and government-backed incentives. Interestingly, the homebuying process is quite simplified for foreigners in Belarus. However, land can’t be owned by foreign nationals. It can only be leased for 99 years.&nbsp;</p>

<h3><strong>Kenya</strong></h3>

<p>Kenya, which is also the regional economic hub of East Africa, is an attractive market for foreign investors. Foreigners can own property in Kenya via the extended lease period of 99 years.&nbsp;<br />
&nbsp;</p>


With the expanding global opportunities, there has been an increasing interest in making investments in real estate abroad. The interest in real estate investments is driven by various reasons, like seeking good returns on invested money, securing residence in foreign countries, leveraging tax benefits or pursuing resident permits or citizenship.

With the expanding global opportunities, there has been an increasing interest in making investments in real estate abroad. The interest in real estate investments is driven by various reasons, like seeking good returns on invested money, securing residence in foreign countries, leveraging tax benefits or pursuing resident permits or citizenship. Also Read: Money-Wise: With 'indexation' gone in real estate, is property still best investment for Indians? But with two ongoing wars - the Israel-Hamas war and Russia-Ukraine war - which have been rattling the international market, should one really invest in real estate abroad and if yes, then which countries would be the safest to do so? Five countries which are real estate investment destinations When investing in real estate beyond borders, location is critical for profitability and risk reduction. Our expert - Gunjan Goel, Director, Goel Ganga Developments - lists out five countries which are the best locations to make real estate investments in today's time. UAE Among the Middle Eastern countries, the United Arab Emirates (UAE) is a promising place for investment, especially in Dubai and Abu Dhabi. These cities have high rental returns, a stable and fast-growing economy and attractive investment laws, including tax exemptions on income and residency permits for foreigners who invest in the country. United States The United States has a lot of potential in terms of real estate investments. Huge renters’ demand, property value growth, and diversified markets are found in hubs such as New York, Los Angeles, and Austin in the US. Canada Large cities such as Toronto and Vancouver in Canada are perfect investment destinations since they have active markets and sound legal requirements. Nonetheless, this may apply to small towns, which have little economic critique to offer and would, therefore, have a lower stub. Australia Australia is a safe bet for real estate investment in the cities of Sydney, Melbourne and Brisbane, which have demonstrated steady growth, demand and infrastructure. However, areas that are dependent on a single sector, for instance, mining towns in Australia, may be at higher risk given fluctuations on the economic front. Watch: China's GDP growth forecast plummets amid real estate crisis Belarus The property market in Belarus is growing steadily on the back of a stable economy, lower unemployment rates, attractive lending rates, and government-backed incentives. Interestingly, the homebuying process is quite simplified for foreigners in Belarus. However, land can’t be owned by foreign nationals. It can only be leased for 99 years. Kenya Kenya, which is also the regional economic hub of East Africa, is an attractive market for foreign investors. Foreigners can own property in Kenya via the extended lease period of 99 years.

Money-Wise: Investing beyond borders? These 5 countries are best real estate investment destinations

In today’s economy, control over capital is more influential than traditional asset ownership. Millennials are driving this shift by leveraging financial markets, technology, and investment strategies rather than focusing on owning physical assets. They excel in managing and investing capital, evident in the success of tech giants and startups that thrive on asset-light models. But what do experts have to say about this financial model? That's what this report decodes.

Redefining capitalism in the 21st century

Bollywood is now witnessing a new wave of entrepreneurship. For decades, celebrities were primarily confined to the silver screen, with few venturing into the business world. However, in recent years, there has been a significant shift. More and more Bollywood stars are capitalizing on their brand value and exploring side hustles.

How Bollywood celebrities are diversifying income streams | World Business Watch | WION News

<p>In a major overhaul to the pension system of India, the Union government announced a new Unified Pension Scheme (UPS) that assures&nbsp;pension to central government employees, along with other benefits, post-retirement.</p>

<p>The decision was taken in the wake of the central government employees' long-pending demand to bring reforms in the National Pension Scheme (NPS). The government will implement the UPS on April 1, 2025.</p>

<p>In this week's Money-Wise, we try to analyse the newly rolled out Unified Pension Scheme and how it is different from the previous pension schemes.</p>

<h2><strong>UPS: A mixed basket of all goodness of NPS and OPS?</strong></h2>

<p>The newly-introduced Unified Pension Scheme stands a little ahead of the National Pension Scheme (NPS) as it ensures fixed pension&nbsp;to retirees, which was a major drawback of the NPS.&nbsp;</p>

<p>The assured pension will be 50 per cent of the average basic salary drawn by a government&nbsp;employee in the last 12 months after serving for a minimum of 25 years.</p>

<p><strong>Also Read:</strong>&nbsp;<a href="https://www.wionews.com/india-news/india-unveils-new-pension-scheme-for-govt-employees-here-are-its-key-features-753011">India unveils new pension scheme for government employees; here are its key features</a></p>

<p>Apart from the assured pension, the UPS offers inflation&nbsp;indexation, an assured minimum pension of Rs 10,000 per month and a family pension, which were missing in the NPS. The family pension, which was part of the OPS (Old Pension Scheme), will be 60 per cent of the pension last received by the retiree.</p>

<p>The UPS also has the feature of lumpsum payment at superannuation, along with gratuity, which will be calculated as 1/10th of the monthly emolument plus dearness allowance for every six months served in the government.</p>

<p>A key feature borrowed from the NPS is that of a contributory and fully funded scheme, which means that the members can contribute towards their pension fund and ensure a high pension payout upon retirement.</p>

<h2><strong>Here's how UPS differs from NPS and OPS in key features</strong></h2>

<h2><img alt="pension scheme plans" data-entity-type="file" data-entity-uuid="c37e8031-7fbb-4bc4-8c9a-5edaad878de0" src="//cdn.wionews.com/sites/default/files/inline-images/ups%20vs%20nps%20vs%20ops%20%281%29.png" /></h2>

<h2><strong>Who all are eligible for UPS?</strong></h2>

<p>Unde UPS, government employees will be eligible for a fixed pension amount after completing at least 10 years of service and will receive a pension of 50% of the average basic pay after completing 25 years.&nbsp;</p>

<p>All those employees who have retired under the NPS from 2004 onwards are also eligible and can avail UPS. All those who are currently under NPS and have opted for Voluntary Retirement Scheme (VRS) under NPS will also have the choice of joining the UPS if they are government employees, which will then remain unchanged.</p>

<p><strong>Watch:&nbsp;Family-owned businesses dominate Indian GDP</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/family-owned-businesses-dominate-indian-gdp-747575/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<p>However, the government employees are still free to remain under the NPS.</p>

<h2><strong>UPS vs NPS: Which is a better investment for employees?</strong></h2>

<p>Those who subscribe to the UPS will get a guaranteed pension amount, however, the pension amount under NPS fluctuates because the investment is made in the market-linked security schemes.&nbsp;</p>

<p>Although UPS gives an assured pension, NPS can at times provide a higher pension amount when there are higher returns in the market-linked investments, though the situation can be the exact opposite if the market is down.&nbsp;</p>

<p>UPS is more suitable for employees who want a guaranteed pension amount without any risk and NPS is for those who aim for higher returns and are willing to take risks by making market-based investments.</p>


In a major overhaul to the pension system of India, the Union government announced a new Unified Pension Scheme (UPS) that assures pension to central government employees, along with other benefits, post-retirement.

In a major overhaul to the pension system of India, the Union government announced a new Unified Pension Scheme (UPS) that assures pension to central government employees, along with other benefits, post-retirement. The decision was taken in the wake of the central government employees' long-pending demand to bring reforms in the National Pension Scheme (NPS). The government will implement the UPS on April 1, 2025. In this week's Money-Wise, we try to analyse the newly rolled out Unified Pension Scheme and how it is different from the previous pension schemes. UPS: A mixed basket of all goodness of NPS and OPS? The newly-introduced Unified Pension Scheme stands a little ahead of the National Pension Scheme (NPS) as it ensures fixed pension to retirees, which was a major drawback of the NPS. The assured pension will be 50 per cent of the average basic salary drawn by a government employee in the last 12 months after serving for a minimum of 25 years. Also Read: India unveils new pension scheme for government employees; here are its key features Apart from the assured pension, the UPS offers inflation indexation, an assured minimum pension of Rs 10,000 per month and a family pension, which were missing in the NPS. The family pension, which was part of the OPS (Old Pension Scheme), will be 60 per cent of the pension last received by the retiree. The UPS also has the feature of lumpsum payment at superannuation, along with gratuity, which will be calculated as 1/10th of the monthly emolument plus dearness allowance for every six months served in the government. A key feature borrowed from the NPS is that of a contributory and fully funded scheme, which means that the members can contribute towards their pension fund and ensure a high pension payout upon retirement. Here's how UPS differs from NPS and OPS in key features Who all are eligible for UPS? Unde UPS, government employees will be eligible for a fixed pension amount after completing at least 10 years of service and will receive a pension of 50% of the average basic pay after completing 25 years. All those employees who have retired under the NPS from 2004 onwards are also eligible and can avail UPS. All those who are currently under NPS and have opted for Voluntary Retirement Scheme (VRS) under NPS will also have the choice of joining the UPS if they are government employees, which will then remain unchanged. Watch: Family-owned businesses dominate Indian GDP However, the government employees are still free to remain under the NPS. UPS vs NPS: Which is a better investment for employees? Those who subscribe to the UPS will get a guaranteed pension amount, however, the pension amount under NPS fluctuates because the investment is made in the market-linked security schemes. Although UPS gives an assured pension, NPS can at times provide a higher pension amount when there are higher returns in the market-linked investments, though the situation can be the exact opposite if the market is down. UPS is more suitable for employees who want a guaranteed pension amount without any risk and NPS is for those who aim for higher returns and are willing to take risks by making market-based investments.

Money-Wise: India introduces Unified Pension Scheme. Will it be more beneficial than NPS & OPS?

<p>For India's middle class, buying real estate properties has been the best investment so far, with 2013 marking 33 per cent YoY growth in the residential places sold and purchased.&nbsp;</p>

<p>However, the real estate market has been left puzzled by Budget 2024. Purchasing a house is no longer being considered as the best investment by many people, amid revisions in taxes on capital gains and removal of indexation benefits on unlisted capital assets, which includes properties.&nbsp;</p>

<p>Let us first understand what&nbsp;indexation was&nbsp;and how it played a crucial role in the sale of properties.</p>

<h2><strong>How did indexation benefit property owners?</strong></h2>

<p>The house owners till now had the provision of reducing the taxes on the profit incurred from selling a house, depending on how long they had held the property in their possession.</p>

<p>Using the indexation benefit, the house owners reduced the difference between the purchase and sale price with the inflation rate on which the tax was eventually calculated. This process drastically reduced the tax payable on the sale of property.&nbsp;</p>

<p>If the inflation was higher in comparison to the property price, the taxpayers were able to claim capital loss and save taxes on other capital gains made in that financial year.&nbsp;</p>

<p>When house owners were free to use indexation benefits to reduce their taxable profit, the tax on long-term capital gains made from the property's sale stood at 20 per cent.&nbsp;</p>

<p>Now, with the indexation benefit removed, the tax rate has been reduced to 12.5 per cent. However, experts believe that this is likely to give not much relief to house owners who are likely to pay more tax due to no indexation.</p>

<p>It should be noted that the indexation benefit will not be given to the properties purchased in or after 2001.</p>

<p><strong>Also Read:</strong>&nbsp;<a href="https://www.wionews.com/business-economy/money-wise-heres-how-tds-changes-in-indian-budget-2024-will-impact-your-salary-mutual-fund-investments-743799">Money-Wise: Here’s how TDS changes in Indian Budget 2024 will impact your salary, mutual fund investments</a></p>

<h2><strong>How will the removal of indexation impact the real estate industry?</strong></h2>

<p>According to analysts, this unexpected deletion of indexation benefits in the real estate business can lead to a higher frequency of secondary market real estate as house owners may turn reluctant towards holding onto their assets after three to five years.&nbsp;</p>

<p>Speaking to WION, Goel Ganga Developments Director, Gunjan Goel said, "Without indexing, a long-term property holder is likely to face a considerably higher capital gain tax, which can deter buy-and-hold strategies that have long been a staple of real estate investment. This will, in great measure, raise house turnovers as investors attempt to circumvent the tax liability by as much as they can."</p>

<p>"For detailed attention toward house prices, a short-term jump could be seen where sellers try to push their increased tax burden forward onto the pocketbooks of buyers. However, this upturn might soon fizzle out while the market adjusts to its new set of circumstances," she added.</p>

<p>Explaining how the changes can bring volatility in the real estate market, Motia Group Director LC Mittal said, "The removal of indexation benefits from real estate will have a knock-on effect throughout an industry in which investment patterns may be altered and market behaviour changed. This may dampen long-term property holdings, as the tax advantages of those strategies are removed. We might increase short-term flipping activities or turn our attention to those areas with large potential for rapid appreciation."</p>

<p><strong>Watch:&nbsp;Budget 2024 highlights: Focus on taxes, jobs and consumer products</strong></p>

<div class="videoWrapper trancodeVideo"><iframe allowfullscreen="" autoplay="1" class="includeVideo" frameborder="0" height="350" src="https://www.wionews.com/videos/budget-2024-highlights-focus-on-taxes-jobs-and-consumer-products-743421/embed" style="width:100%;max-width:560px;" width="560"></iframe></div>

<p>"An immediate reaction to the house prices could be that people looking to sell will inflate prices in order to recapture or bridge their losses through the increased tax liability. However, over time, these effects get neutralized by the forces of the market. The big picture would be that due to such taxation, properties could witness some recalibration in valuations as investors revisit expectations and strategy. This may lead to more volatile price movements in the short run but potentially a more efficient and responsive market in the long run," he added.&nbsp;</p>

<p>It should be noted that this can also encourage cash transactions in the sale and purchase of property. The house owners are now left with the only option of buying a property of the same or more price than the price of the house sold to save themselves from paying any LTCG tax.</p>

<p>"Simply put, in case of property sale, indexation&nbsp;helps in adjusting its purchase price according to the prevailing inflation rate. High-value properties will be most impacted and we may see a reduction in demand for them. Potential buyers might hesitate due to the increased uncertainty about future price trends and this might cause sellers of high-value properties to adjust their pricing strategies," said Ashok Singh Jaunapuria, MD and CEO of SS Group while speaking to WION.</p>

<p>Explaining the impact of the removal of indexation on the house owners, a chartered account shared an interesting anecdote on X.&nbsp;</p>

<div class="ui-state-default" contenteditable="false">
<div class="twitter-block" draggable="false">
<blockquote class="twitter-tweet">
<p dir="ltr" lang="en">Today, an elderly person approached me for an IT filing.<br />
<br />
- Purchased a property in 2015 for ₹30,00,000<br />
- Sold in 2023 for ₹53,40,000<br />
<br />
Taxation for AY 2024-25:<br />
- Indexed Cost of Acquisition: ₹41,10,236<br />
- Capital Gain: ₹53,40,000 - ₹41,10,236 = ₹12,29,763<br />
- Tax on Capital…</p>
— CA Nagachandra Somu (@snagachandra) <a href="https://twitter.com/snagachandra/status/1816194052074922195?ref_src=twsrc%5Etfw">July 24, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
<a class="close-mark close-div" href="#" id="jqclosemark">×</a></div>

<h2><strong>Here's how experts suggest you can your taxes even without indexation</strong></h2>

<h3><strong>Gunjan Goel, Director at Goel Ganga Developments</strong></h3>

<ul>
	<li>
	<p>House owners can go for value-enhancing renovations, and it should warrant a higher selling price to recoup part, if not the whole, of the increased tax liability.&nbsp;</p>
	</li>
	<li>
	<p>Timing of sale is important too—sell strategically before new rules apply, when possible, to preserve existing tax advantages.&nbsp;</p>
	</li>
	<li>If the individual has flexibility, contemplate selling fractions of the property in phases over several tax years to spread the tax burden.&nbsp;<br />
	&nbsp;</li>
	<li>This overall tax liability may further be reduced by property exchanges or reinvestment in certain tax-saving instruments.&nbsp;</li>
</ul>

<h3><strong>LC Mittal, Director, Motia Group</strong></h3>

<ul>
	<li>One key strategy would be to properly record every expenditure on the property, right from purchase costs to renovation expenses and even maintenance fees—all those which will help reduce the taxable capital gain.&nbsp;<br />
	&nbsp;</li>
	<li>Another approach is to see if it can be structured into a joint development agreement with any developer, which again could be more efficient in tax treatment.&nbsp;<br />
	&nbsp;</li>
	<li>People could also resort to home equity loans to extract funds to invest in tax-saving instruments so that the additional taxes paid after sales by the property owner are compensated.&nbsp;<br />
	&nbsp;</li>
	<li>Strategic decisions as to which property to sell first may help manage the overall tax impact if one owns multiple properties.&nbsp;<br />
	&nbsp;</li>
	<li>Furthermore, exploring fractional property sales opportunities or alternative investment vehicles, such as real estate investment trusts, could yield fresh ways to monetize property while creating more beneficial tax treatments.&nbsp;</li>
</ul>

<h3>Ashok Singh Jaunapuria MD and CEO of SS Group</h3>

<ul>
	<li>Homeowners should concentrate on setting competitive prices and using digital channels for increased exposure and cost-effectiveness to optimise savings.&nbsp;<br />
	&nbsp;</li>
	<li>Additionally, consulting with financial advisors to explore tax-efficient investment opportunities post-sale can further enhance financial outcomes in this evolving tax landscape.&nbsp;</li>
</ul>


For India's middle class, buying real estate properties has been the best investment so far, with 2013 marking 33 per cent YoY growth in the residential places sold and purchased.

For India's middle class, buying real estate properties has been the best investment so far, with 2013 marking 33 per cent YoY growth in the residential places sold and purchased. However, the real estate market has been left puzzled by Budget 2024. Purchasing a house is no longer being considered as the best investment by many people, amid revisions in taxes on capital gains and removal of indexation benefits on unlisted capital assets, which includes properties. Let us first understand what indexation was and how it played a crucial role in the sale of properties. How did indexation benefit property owners? The house owners till now had the provision of reducing the taxes on the profit incurred from selling a house, depending on how long they had held the property in their possession. Using the indexation benefit, the house owners reduced the difference between the purchase and sale price with the inflation rate on which the tax was eventually calculated. This process drastically reduced the tax payable on the sale of property. If the inflation was higher in comparison to the property price, the taxpayers were able to claim capital loss and save taxes on other capital gains made in that financial year. When house owners were free to use indexation benefits to reduce their taxable profit, the tax on long-term capital gains made from the property's sale stood at 20 per cent. Now, with the indexation benefit removed, the tax rate has been reduced to 12.5 per cent. However, experts believe that this is likely to give not much relief to house owners who are likely to pay more tax due to no indexation. It should be noted that the indexation benefit will not be given to the properties purchased in or after 2001. Also Read: Money-Wise: Here’s how TDS changes in Indian Budget 2024 will impact your salary, mutual fund investments How will the removal of indexation impact the real estate industry? According to analysts, this unexpected deletion of indexation benefits in the real estate business can lead to a higher frequency of secondary market real estate as house owners may turn reluctant towards holding onto their assets after three to five years. Speaking to WION, Goel Ganga Developments Director, Gunjan Goel said, "Without indexing, a long-term property holder is likely to face a considerably higher capital gain tax, which can deter buy-and-hold strategies that have long been a staple of real estate investment. This will, in great measure, raise house turnovers as investors attempt to circumvent the tax liability by as much as they can." "For detailed attention toward house prices, a short-term jump could be seen where sellers try to push their increased tax burden forward onto the pocketbooks of buyers. However, this upturn might soon fizzle out while the market adjusts to its new set of circumstances," she added. Explaining how the changes can bring volatility in the real estate market, Motia Group Director LC Mittal said, "The removal of indexation benefits from real estate will have a knock-on effect throughout an industry in which investment patterns may be altered and market behaviour changed. This may dampen long-term property holdings, as the tax advantages of those strategies are removed. We might increase short-term flipping activities or turn our attention to those areas with large potential for rapid appreciation." Watch: Budget 2024 highlights: Focus on taxes, jobs and consumer products "An immediate reaction to the house prices could be that people looking to sell will inflate prices in order to recapture or bridge their losses through the increased tax liability. However, over time, these effects get neutralized by the forces of the market. The big picture would be that due to such taxation, properties could witness some recalibration in valuations as investors revisit expectations and strategy. This may lead to more volatile price movements in the short run but potentially a more efficient and responsive market in the long run," he added. It should be noted that this can also encourage cash transactions in the sale and purchase of property. The house owners are now left with the only option of buying a property of the same or more price than the price of the house sold to save themselves from paying any LTCG tax. "Simply put, in case of property sale, indexation helps in adjusting its purchase price according to the prevailing inflation rate. High-value properties will be most impacted and we may see a reduction in demand for them. Potential buyers might hesitate due to the increased uncertainty about future price trends and this might cause sellers of high-value properties to adjust their pricing strategies," said Ashok Singh Jaunapuria, MD and CEO of SS Group while speaking to WION. Explaining the impact of the removal of indexation on the house owners, a chartered account shared an interesting anecdote on X. Today, an elderly person approached me for an IT filing. - Purchased a property in 2015 for ₹30,00,000 - Sold in 2023 for ₹53,40,000 Taxation for AY 2024-25: - Indexed Cost of Acquisition: ₹41,10,236 - Capital Gain: ₹53,40,000 - ₹41,10,236 = ₹12,29,763 - Tax on Capital… — CA Nagachandra Somu (@snagachandra) July 24, 2024 × Here's how experts suggest you can your taxes even without indexation Gunjan Goel, Director at Goel Ganga Developments House owners can go for value-enhancing renovations, and it should warrant a higher selling price to recoup part, if not the whole, of the increased tax liability. Timing of sale is important too—sell strategically before new rules apply, when possible, to preserve existing tax advantages. If the individual has flexibility, contemplate selling fractions of the property in phases over several tax years to spread the tax burden. This overall tax liability may further be reduced by property exchanges or reinvestment in certain tax-saving instruments. LC Mittal, Director, Motia Group One key strategy would be to properly record every expenditure on the property, right from purchase costs to renovation expenses and even maintenance fees—all those which will help reduce the taxable capital gain. Another approach is to see if it can be structured into a joint development agreement with any developer, which again could be more efficient in tax treatment. People could also resort to home equity loans to extract funds to invest in tax-saving instruments so that the additional taxes paid after sales by the property owner are compensated. Strategic decisions as to which property to sell first may help manage the overall tax impact if one owns multiple properties. Furthermore, exploring fractional property sales opportunities or alternative investment vehicles, such as real estate investment trusts, could yield fresh ways to monetize property while creating more beneficial tax treatments. Ashok Singh Jaunapuria MD and CEO of SS Group Homeowners should concentrate on setting competitive prices and using digital channels for increased exposure and cost-effectiveness to optimise savings. Additionally, consulting with financial advisors to explore tax-efficient investment opportunities post-sale can further enhance financial outcomes in this evolving tax landscape.

Money-Wise: With 'indexation' gone in real estate, is property still best investment for Indians?

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<p>JPMorgan Chase, the largest bank in the United States, has turned in better-than-expected second-quarter profits due to its perfect investment banking business with the high tide of merger and acquisition activities.</p>

<p>With a confident U.S. economic outlook buoying more companies to raise capital and strike deals, this would further enrich fee income for Wall Street banks.</p>

<p>JPMorgan's investment banking fees leapt 50 per cent from a low base in the previous quarter, topping the company's prediction of a 25 per cent-30 per cent rise.</p>

<p>JPMorgan CEO Jamie Dimon changed his mind from stating a similar list to admitting good signs about the economy but warned that there could be risks—to include "the most dangerous geopolitical situation in my career since World War II," not to add inflation and interest rates going higher than expected due to factors such as large fiscal deficits and trade disruption.</p>

<p>Provisions for possible loan losses rose 62 per cent compared with the first quarter, as it took an increasingly cautious stance.</p>

<p>But there was little sign of this caution's chilling effect on lending, which remained healthy, as higher interest rates buoyed net interest income.</p>

<p>The overall profit of JPMorgan rose 25 per cent to $18.15 billion, topping analyst expectations. Net income was still higher than analyst estimates, excluding a one-time gain from a deal with Visa.</p>

<p>Trading revenue did very well with a year-over-year increase of 10 per cent.</p>

<p>As far as its commercial and investment banking unit went, it marked record revenue for the first half of the year.</p>

<p>A spate of analysts pointed at the strong performance in investment banking and trading, while there were some pointers to weakness in consumer banking.</p>

<p>"The strength in investment banking and trading more than offset weak spots elsewhere," Opimas CEO Octavio Marenzi said to Reuters. The stock of JPMorgan eased a little in pre-market trade.</p>

<p>Investors had been paying close attention to succession plans at the bank, as Chief Executive Dimon is expected to retire in the next couple of years.</p>

<p>The board at JPMorgan is said to be reviewing an array of names, including co-heads for the commercial and investment bank, the consumer and community banking chief and the head of the asset and wealth management division.</p>

<p><i>(With inputs from Reuters)</i></p>


JPMorgan Chase, the largest bank in the United States, has turned in better-than-expected second-quarter profits due to its perfect investment banking business with the high tide of merger and acquisition activities.

JPMorgan Chase, the largest bank in the United States, has turned in better-than-expected second-quarter profits due to its perfect investment banking business with the high tide of merger and acquisition activities. With a confident U.S. economic outlook buoying more companies to raise capital and strike deals, this would further enrich fee income for Wall Street banks. JPMorgan's investment banking fees leapt 50 per cent from a low base in the previous quarter, topping the company's prediction of a 25 per cent-30 per cent rise. JPMorgan CEO Jamie Dimon changed his mind from stating a similar list to admitting good signs about the economy but warned that there could be risks—to include "the most dangerous geopolitical situation in my career since World War II," not to add inflation and interest rates going higher than expected due to factors such as large fiscal deficits and trade disruption. Provisions for possible loan losses rose 62 per cent compared with the first quarter, as it took an increasingly cautious stance. But there was little sign of this caution's chilling effect on lending, which remained healthy, as higher interest rates buoyed net interest income. The overall profit of JPMorgan rose 25 per cent to $18.15 billion, topping analyst expectations. Net income was still higher than analyst estimates, excluding a one-time gain from a deal with Visa. Trading revenue did very well with a year-over-year increase of 10 per cent. As far as its commercial and investment banking unit went, it marked record revenue for the first half of the year. A spate of analysts pointed at the strong performance in investment banking and trading, while there were some pointers to weakness in consumer banking. "The strength in investment banking and trading more than offset weak spots elsewhere," Opimas CEO Octavio Marenzi said to Reuters. The stock of JPMorgan eased a little in pre-market trade. Investors had been paying close attention to succession plans at the bank, as Chief Executive Dimon is expected to retire in the next couple of years. The board at JPMorgan is said to be reviewing an array of names, including co-heads for the commercial and investment bank, the consumer and community banking chief and the head of the asset and wealth management division. (With inputs from Reuters)

JPMorgan Chase beats profit estimates on strong dealmaking, trading

Let's get you a flavor what's happening in the world of technology: - Cybersecurity report reveals rise in social media investment scams in India. - Google mandates disclosure for AI-altered election ads to fight misinformation. Watch in for more details!

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As India concludes its weeks-long general elections, analysts anticipate significant market movements based on the election outcomes, with a focus on policy continuity and economic stability. However, concerns over low voter turnout and potential changes in capital gains tax add a layer of uncertainty. Take a look at next report for more…

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