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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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@ETMONEY

Apr 23

3 BIG changes in health insurance from Apr 1, 2024:

1. No disputes in claims after 5 years of policy coverage

2. Shorter waiting period for pre-existing and specified illnesses

3. No age limit to buy health insurance

Details in the thread. 🧵

1. Dispute-free claims after 5 years

Insurance companies can deny claims alleging a policyholder hid some key health issues.

But this cannot happen once you have paid premiums for 8 continuous years.

Good news: This period has now been reduced to only 5 years.

Simply put, if you pay premiums for 5 continuous years, the insurer cannot deny any claim covered by the policy on any grounds except fraud.

This will undoubtedly help a lot of policyholders.

Read 10 tweets

ET Money

@ETMONEY

Apr 17

PPFAS Flexi Cap manages over Rs 60,500 cr.

Its AUM has grown nearly 35 times in the last 5 years.

But, many investors now worry that performance might suffer due to its colossal size.

Does this really happen?

Is there a link between size and performance? A 🧵

We looked at 4 categories:

Flexi cap, Large Cap, Mid Cap & Small Cap.

We observed 2 trends:

1. The biggest fund in each category has been among the top performers

2. In most funds that grew quickly, AUM size didn’t necessarily impact their performance (Analysis from tweet 6)

So, how do those funds with massive AUMs keep up their game?

A fund with an AUM of Rs 60,000 cr might seem huge compared to its peers.

But even these giants are more like small fish in the ocean of Indian stock markets.

Check some numbers. 👇

Read 15 tweets

ET Money

@ETMONEY

Apr 13

PSU stocks have witnessed a dream run recently.

Last 1-year returns:

Nifty 50: 30%
Nifty PSE: 94%
Nifty PSU Bank: 85%

But now, they seem overvalued. (Data in following tweets)

While some stocks are still attractively priced, there are many concerning signs. Details in🧵

Let’s start with why PSU stocks seem a bit pricey now.

We looked at the Nifty PSE index's PE ratio, which can suggest if it's undervalued or overpriced.

A quick peek shows its current P/E (9.63) is higher than its median of 8.4 since April 2020, indicating overvaluation.

The Nifty PSU Bank index also follows a similar trend.

The current P/B ratio (a more accurate measure to check valuation for banks) is 1.54 compared to a median of 0.81.

This is again signaling overvaluation, with most stocks being overbought.

Read 13 tweets

ET Money

@ETMONEY

Apr 9

If returns are the same, how do you choose a fund?

Example:

ICICI Pru Bluechip Fund: 42%
Taurus Large Cap: 45%

Both schemes have similar one-year returns. But which one is better?

Let’s compare them on 5 parameters to get the answer. A🧵

1. Standard Deviation

It shows the ups and downs an investor would experience by investing in a fund.

The higher this number, the wilder the ride.

ICICI Pru Bluechip’s standard deviation: 11.59%
Taurus Large Cap: 15.81%

So, the Taurus’ fund is riskier.

2. Beta

This one reveals how risky a fund is compared to its benchmark.

A higher beta implies more volatility than the benchmark. A lower beta means less volatility.

ICICI Pru Bluechip’s beta: 0.87
Taurus Large Cap: 1.12

Again, ICICI Pru Bluechip scores here.

Read 10 tweets

ET Money

@ETMONEY

Apr 5

REITs & InvITs are on fire.

They gave up to 23% returns in the last year, according to an Economic Times report.

No wonder mutual funds’ holdings in them have doubled in 1 year.

So, let’s take a crack at them. A 🧵

Bonus: We’ll cover how to pick the best REITs & InvITS.

First, the basics.

‘REIT’ stands for real estate investment trust.

It is like a mutual fund that invests in real estate - not real-estate stocks but real property.

In most cases, this piece of real estate is commercial. Examples: Offices, malls, etc.

You can profit from REITs in 2 ways.

1. REIT managers pass on the rent they earn periodically. (Called ‘Distribution’)

2. Just like the price of a share, the price of a REIT’s units can rise or fall on exchanges. So, you can sell them at a higher price to make a profit.

Read 18 tweets

ET Money

@ETMONEY

Apr 4

Are small-cap stocks nearing a crash?

There is a lot of noise around this.

So, we’ll lean on 3 crucial parameters to get an answer.

We will also answer how you can invest in small-caps now.

Let’s start.👇A thread 🧵

1. PE RATIO OF NIFTY SMALLCAP 250

This ratio tells you how much investors are willing to pay for earnings of Rs 1.

So, we looked at the current PE of the index & compared it to the long-term average.

What did we find?

The index appears overvalued.

Check some numbers. 👇

NIFTY Smallcap 250’s current PE = 26.78

The long-term average = 23.93

So, it is trading at a 12% premium.

Even compared to NIFTY 50, the small-cap index is trading at a 17% premium.

Historically, the small-cap index trades at a 6.3% premium to the large-cap index.

Read 16 tweets

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