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Prime recommendation: Commodity and the rise of the old economy

Recommendations

Prime Recommendation: Commodity and the rise of the old economy

In March 2021, our call on the commodities fund we added panned out well. But we decided to issue a book profit call in June 2022, as we wanted to preserve some of the profits given the cool off that was visible then in commodity prices.
And as anticipated, commodities cooled off a fair bit globally. Triggered by inflation-driven rate hikes and recession fears, pre-emptive physical destocking (reducing inventories anticipating higher cost of holding inventories) resulted in lower prices. The traded Goldman Sachs Commodity index graph below will tell you that our call was largely in line with this index’s move.

Vidya Bala February 28, 2023 13 Comments

Insurance

Prime review: LIC’s New Jeevan Shanti

With the Budget plugging the tax break on guaranteed income plans from insurers, annuity plans are back in the picture as the go-to option for investors seeking guaranteed payouts after retirement. LIC has recently relaunched its popular deferred annuity plan as New Jeevan Shanti (Plan No. 858).

Let’s see how good the plan is and how it stands against competition in today’s Prime review.

Bipin Ramachandran February 26, 2023 2 Comments

Adani stocks and index funds: cause for concern?

Commentary

Adani stocks and index funds: cause for concern?

After the Hindenburg bombshell tanked Adani stocks, the faith that some investors placed in index investing seems to have been shaken. With the Nifty 50 and Nifty Next 50 featuring seven Adani group stocks between them, PrimeInvestor received many queries soon after the news broke.

Aarati Krishnan February 23, 2023 13 Comments

Build your own portfolio with PrimeInvestor’s super tool

General

Build your own portfolio with PrimeInvestor’s super tool

PrimeInvestor’s super new tool, Build your own portfolio is a simple and powerful solution for your need to customise your portfolio the way you wish to, but without choosing the wrong funds nor going wrong on allocation! It guides you into designing a portfolio for yourself using Prime Funds, based on your inputs. Here’s more.

Bhavana Acharya February 21, 2023 No Comments

Prime Stock update: Prospects brighten for our small finance bank call

Stocks

Prime Stock update: Prospects brighten for our small finance bank call

Covid proved be an ultimate stress test for Small Finance Banks (SFBs). As SFBs largely cater to low income borrowers comprising small businesses, small vehicle owners and other self-employed categories including micro-finance, they were among the most Covid-sensitive sectors.

Premium article available only to subscribers.

N V Chandrachoodamani February 19, 2023 No Comments

Taxes

How is your insurance policy taxed?

Some of us may be hoarse from shouting about why tax benefits should not be the reason we buy insurance. Shouting notwithstanding, tax treatment remains a key consideration when buying insurance of almost any sort and this is what we look at in this article.
There are two points in time when the tax aspect will have to be kept in mind:
First at the time of premium payment
Second, at the time of a payout in the form of a claim being met or maturity benefits being paid out.

Pavithra Jaivant February 16, 2023 2 Comments

Governance - 8 checks to assess management quality

Stocks

Governance: 8 checks to assess management quality

The Adani saga (still continuing, I guess) brings forth the issue of governance, management quality, and other qualitative factors that many investors consider as essential check boxes. During the time I spent in CRISIL, ‘management quality’ would set a cap on ratings. But what is ‘management quality’?

R Balakrishnan February 14, 2023 1 Comment

Technical outlook: Outlook now for the Nifty 50

Markets

Technical outlook: Outlook now for the Nifty 50

In this post, we shall discuss a brief short-term technical outlook for the Nifty 50 index and some interesting statistics which will be a follow-through to what we discussed in the previous post. Let us get started with the short-term technical outlook.

B Krishnakumar February 12, 2023 13 Comments

FAQs: What does the recent rate hike mean for your debt funds?

Mutual funds & ETFs

FAQs: What does the recent rate hike mean for your debt funds?

We bet you must be tired of hearing about rate hikes and debt funds and strategies! But if your queries, comments and activity on our newly-launched PrimeInvestor Community are any indications, there are still several questions many of you have over your funds.

So, here’s collecting them all and explaining what you should be doing with your debt funds and if you need to do anything different in light of the latest round of rate hikes.

Bhavana Acharya February 9, 2023 23 Comments

Is the Budget 2023 disincentivizing savings?

Taxes

Is the Budget 2023 disincentivizing savings?

The trending narrative post the Budget 2023 proposal is that the Budget is disincentivizing savings. The argument goes like this: if the Budget is nudging individuals to move to the New Tax Regime, it likely means that it may eventually phase out many of the deductions available under the Old Tax Regime. Tax incentive is a major consideration for Indians to save.

Vidya Bala February 5, 2023 9 Comments

Budget 2023 - Impact on your investments & the market

Taxes

Budget 2023 – Impact on your investments & the market

In this final budget before the elections, there is little by way of big-bang announcements. There are, however, several announcements in the Budget 2023 that do bear implications. There are two aspects to the Budget impact – on one side, there are the provisions that impact your investments and taxes specifically. On the other, there are proposals that have a bearing on prospects for different sectors. Therefore, we’ve broken down our Budget 2023 analysis along these lines.

PrimeInvestor Research Team February 2, 2023 23 Comments

Should you go for the 4-5 year special deposit schemes from NBFCs now?

Bonds & Deposits

Should you go for the 4-5-year special deposit schemes from NBFCs now?

With popular NBFCs such as Sundaram Finance, HDFC and Bajaj Finance revising their deposit rates in the past year, FD investors can finally look forward to better returns, after a long drought. Rising demand for loans in an improving economy, is forcing NBFCs to compete actively for deposits once again, prompting even top-rated ones to roll out deposit schemes for longer tenures of 4 to 5 years with ‘special’ rates. Sundaram Home Finance is offering 7.65% on its 4-year FD and HDFC has a special offer of 7.6% running its 45-month Sapphire Deposit scheme.
But are these rates special enough for you to lock in your money for longer tenures of 4 or 5 years?

Aarati Krishnan January 29, 2023 6 Comments

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