#TermInsurance is perhaps the easiest way to protect your family's financial future in your absence. However, while buying a term life insurance or if you have one already, there are a few things that you need to be mindful of. Let's have a look at them
1. Not buying enough coverage to replace income
Never pick a random number no matter how big it sounds. Instead, do your math correctly to find out the coverage you'll need. Things to be considered – future household expenses, your liabilities, important goals, and life events
2. Waiting too long to get a #terminsurance cover
Waiting for too long not only keeps your family unprotected during that time but also costs you more. Yes, with each passing year, the premium you pay for term insurance increases. So the earlier you get the better it is
3. Getting term insurance for too short/long period
If you buy term insurance for too short or a too long period it completely loses its purpose. You should get protection until an age you are sure you'll get free from most of your responsibilities
4. Not reviewing your insurance cover
The cover that is sufficient for you today might not be adequate for your future needs. Hence, it is necessary to review your #termlifeinsurance plan (reasonably every 10 years) to check whether it still matches your requirement
The retailer lags behind its rival DMart in profits. But it’s growing faster & has more stores.
However, this IPO has ONE BIG concern & many investors may not like it (Refer to Tweet 9).
Let’s dive into the details. A🧵
(1/15)
We will cover 5 key aspects in this analysis:
- Vishal Mega Mart’s business model
- Financials and valuations
- Compare its numbers with Avenue Supermarts
(DMart)
- Key IPO details
- Strengths and challenges
Let’s start. 👇
(2/15)
1. Business Model
Vishal Mega Mart targets middle-class consumers with a diverse portfolio:
-Apparel: 45% of revenue
-General merchandise: 28%
-FMCG goods: 27%
Over 70% of its revenue comes from in-house brands. This boosts its margins and reduces dependence on third-party products.
NTPC Green Energy has come up with this year’s third-largest IPO.
But much of the discussion is around its valuations.
Even though it's smaller than Adani Green Energy on multiple metrics, NTPC Green Energy’s valuations are much higher.
Is this IPO worth considering? A 🧵
We will cover 3 key aspects in this analysis.
- Understand NTPC Green’s business model
- Compare financials & valuations with Adani Green
- Looks at some key IPO details
Let’s start.
1. Business Model
NTPC Green Energy, a subsidiary of NTPC, was founded in April 2022 to manage NTPC’s renewable energy assets.
It generates renewable energy (solar, wind, etc.) and supplies it to the grid. From there, utilities (firms that supply power to consumers) or big companies buy and use the energy.