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ET Money

Oct 1, 2020 • 11 tweets • 6 min read • Read on X

#ETMONEY has been leading the charge in providing the most seamless MF investing experience. And now after 4 years & 11 million transactions, we wanted to look at how #Indians are investing and what changes have happened in these 4 years. Time for India Investment Report #2020

First up - The tale of States. While Maharashtra sits pretty on top in the list of top contributions by value, Uttar Pradesh, a relatively less obvious state takes second spot. We're proud to have made investing accessible to Indians in every nook & corner of this vast country🙂

In the second part of this tale of states, we analyzed Equity Allocation from each state. And this time it was the smaller states that came on top. That’s because as awareness about #MutualFunds grow, people from states like J&K are latching onto equities🥳

Next up, the #topcities. Metros continue to lead the charge here but non-metros are catching-up & fast. #Patna, #Lucknow, and #Jaipur are now in the top 10 cities and at this rate will overtake #Chennai very soon. In fact, over 55% of ETMONEY investors today are from non-metros👍

Our un-jargonized approach is democratizing investing at multiple levels. The percentage of women investors on ETMONEY has gone up from 9% to over 19% in the last 4 years. And the best part, they have near-perfect portfolios! 💃💃

Another heartening thing is that even the younger generation is getting on the bandwagon of investing and saving, thanks to this ease. The number of under 36 investors and their value share has gone up in the last 4 years📈

We all want the secret sauce that can help us succeed as investors! 🪄🪄 We (sort of) found it. A mix of ELSS Funds, Large Cap Funds, and Multi-Cap Funds had the major allocation in portfolios of ETMONEY’s top 25% investors.

Another investing behavior that is helping ETMONEY users earn better returns is #AssetAllocation. They invest in categories other than equities and regularly rebalance by exiting equities. To help them, we send periodic portfolio health checks 🩺

This behavior of having a balanced portfolio and rebalancing meant most ETMONEY users had a positive investing experience through the years despite tough market conditions 🚀🚀

The next thing is where Indians need to do better. Looking at what percentage of salary Indians are investing, we saw increasing income is not leading to increase in investments. Not investing enough is as harmful as not investing at all. So give your investments a yearly raise💰

Lastly, from SmartDeposit to automated alerts to portfolio health checks, we have done quite a bit to help India invest right. And this report is a testament to how our efforts are making difference in the lives of Indian investors 🙏

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More from @ETMONEY

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@ETMONEY

Aug 17

Which is the best investment segment right now: large-cap, mid-cap, or small-cap?

Small-cap and mid-cap funds have considerably outperformed large-cap schemes.

Last 5-year category averages:

Large Cap: 19.9%
Mid Cap: 29.6%
Small Cap: 34.2%

This trend may soon reverse, says @dspmf. A🧵

DSP MF compared how mid-cap and small-cap stocks have performed relative to large-cap stocks over the past 20 years.

What did it find?

The Midcap index is now trading at its highest relative level to Sensex.

The Smallcap index is just shy of its 2005 record high. (See image)

What does this mean?

The small-cap and mid-cap space is at the most expensive level relative to the large-cap.

Simply put, valuations for large caps are relatively favourable at this point.

Read 8 tweets

ET Money

@ETMONEY

Aug 4

Zomato's stocks have made a remarkable comeback.

Its stock prices have risen by nearly 175% over the past year.

A key reason for this is its transition from a net loss to a net profit company.

How can you find such turnaround stocks? A 🧵

There’s no sure-shot formula to identify turnaround stocks.

But some key signs can certainly help.

In this analysis, we will focus on some of these cues.

We’ll also share a few turnaround stocks to help you research further.

Note: None of these are recommendations.

1. Return to profits from a series of losses

Here, you look for companies that have recently turned profitable after years of losses.

Zomato is one example of this.

Here are a few other companies that turned profitable after 3 years of losses. 👇

Read 16 tweets

ET Money

@ETMONEY

Aug 1

Since the Budget, Sovereign Gold Bonds (SGBs) have fallen up to 10%.

Reason: Customs duty reduction on gold (from 15% to 6%).

Sentiments changed.

Earlier, investors believed SGB was the way to invest in gold.

Now, many think it’s the worst investment.

Is that really the case? A🧵

First, let’s understand what has happened.

In the recent Budget, the government proposed reducing customs duty on gold from 15% to 6% (effective 24 July 2024).

Indian gold prices are international gold prices converted in rupees plus taxes such as customs duty.

So, when taxes are reduced, domestic gold prices fall.

SGB prices are linked to domestic gold prices.

The RBI calculates the SGB price based on the average of the closing gold price (of 999 purity) over the previous three business days from the redemption date.

So, naturally, a fall in domestic gold prices will reflect in SGB’s prices.

Read 13 tweets

ET Money

@ETMONEY

Jul 31

In India, there are no listed EV automakers (like Tesla).

This will change with Ola Electric’s IPO.

But, like Tesla, can Ola Electric make money for its investors?

The sector is promising.

But the company’s financials aren’t quite impressive.

More details in🧵. Retweet to educate investors. #OLAIPO

In this analysis, we will focus on 4 key aspects:

- Company’s business prospects
- The question mark on its financials
- Valuations
- Key details about the IPO

Let’s start.

1. Business Prospects

Ola Electric Mobility manufactures electric two-wheelers (E2W) and core EV components such as battery packs, motors and vehicle frames.

If the future of the two-wheeler industry is to be electric, Ola has a head start over the competition.

Read 17 tweets

ET Money

@ETMONEY

Jul 28

Budget 2024 has shaken up mutual fund taxation.

- Brought agony to Equity investors.

- Good news for Gold & International Fund investors.

- Confusion for Debt investors.

We will simplify everything here.

Retweet 🧵 to educate investors.

(Note: In the table below, 20% tax is with indexation)

1. EQUITY-ORIENTED FUNDS

These funds invest at least 65% of their corpus in Indian equities.

Examples: Pure equity schemes like Large Cap, Mid Cap, Small Cap, etc.

Plus, there are the likes of Aggressive Hybrid, Equity Saving, & Arbitrage Funds.

Two key changes have happened in them.

Change A: STCG tax up from 15% to 20%

Short-term capital gains, or STCG, are profits earned by selling equity fund units within one year.
Tax on such gains has increased from 15% to 20%.

The 2nd change is related to long-term capital gains (LTCG).

Read 12 tweets

ET Money

@ETMONEY

Jul 24

Budget 2024 has made the New Regime more attractive.

So, taxpayers are again confused.

Which regime is better now? New or Old?

Well, it all boils down to 2 things:

Total income
Tax deductions & exemptions you can avail

Details in thread 🧵

Background

2 key changes have been proposed in the New Regime.

1. Tax slabs revised (See table)

2. Standard Deduction is up from Rs 50,000 to Rs 75,000.

Meanwhile, there are no new incentives in the Old Regime.

Net net, the New Regime seems more attractive. Check why. 👇

Example

Suppose your total income is Rs 14 lakh.

In New Regime, your taxable income = Rs 13.25 lakh (14 lakh - 75,000 standard deduction)

Total tax outgo = Rs 1,09,200

To pay less tax in the Old Regime, your total deductions (including the standard deduction) should be more than Rs 4.37 lakh.

Read 6 tweets

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