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10 Large Cap Mid Cap Diwali Picks Samvat 2079 by Motilal Oswal

Shitanshu Kapadia
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10 Large Cap Mid Cap Diwali Picks Samvat 2079 by Motilal Oswal

Diwali Picks Samvat 2079 – Indian Stock market is fundamentally strong compared to global stock market. India stood strong amidst many global headwinds like; high inflation, rising interest rates, currency swings, geo political uncertainties, and the onslaught of FII selling.

Despite the huge volatility, Nifty since last Diwali lost a marginal ~3% (as of 17th Oct) as compared to 20-30% fall in most of the global indices. Nifty largely oscillated in a broader range of 3,000 points. While the Nifty Midcap index remained resilient with a fall of just -2%, Nifty Smallcapindex faced the major brunt with a fall of -12%.

The driving force behind India’s outperformance was the strong corporate earnings growth of 24% CAGR during FY20-22. Going ahead too, Nifty earnings are expected to grow robustly at 16% CAGR over FY22-24. Further strong domestic inflows provided stability to the market with DIIs putting in Rs1.8lakh crore, compensating for FII outflows of Rs1.8 lakh crore.

Here are 10 Fundamental Diwali Picks Samvat 2079  by Motilal Oswal. These stocks are expected to give the best returns in the future.

motilal oswal diwali stocks 2022

10 Large Cap Mid Cap Diwali Picks Samvat 2079  by Motilal Oswal

Large Cap Diwali Picks Samvat 2079

#1 Infosys

Infosys continues to see traction in the large deal pipeline, despite an adverse demand environment. It is a long-term beneficiary of an acceleration in IT spending, given its capabilities around Cloud and Digital transformation.

#2 SBI

SBI continues to strengthen its Balance Sheet and focuses on building a superior loan book. This has aided in a sustained turnaround in operating performance and will drive return ratios higher. Among PSU Banks, SBI remains the best play on a gradual recovery in the Indian economy, with a healthy PCR (~ 75%), Tier I of 11.2%, a strong liability franchise, and improved core operating profitability.

#3 Larsen & Toubro

L&T is a beneficiary of a record high order book, improving the health of the Hyderabad Metro project, and revival in private CAPEX. Focus on asset monetization to further strengthen the balance sheet and improve return ratios.

#4 Maruti

Strong demand and favorable product lifecycle for Maruti augurs well for market share and margin. We expect a recovery in both market share and margin from 2HFY23, led by an improvement in supplies and mix, and operating leverage.

#5 Apollo Hospital

Apollo Hospital (APHS) is well placed to deliver improved occupancy in healthcare services, partly supported by international patients and a higher share of insurance-linked patients. Enhanced offerings to patients through Apollo 24/7 platform and better footfalls in Apollo Health and Lifestyle (AHLL) network to aid growth.

Mid Cap Diwali Picks Samvat 2079

#6 Ashok Leyland

Ashok Leyland is a good play on a CV cycle recovery, coupled with retrieval in market share and bet on expansion in revenue and profit pools. Any fundraising in Switch Mobility (EV business) could serve as a re-rating catalyst.

#7 Jubilant Food

Jubilant, our top pick in the QSR space, is well-placed to capture the enhanced post-Covid opportunity presented to QSRs in India.It continues to build extensively on its three key moats of delivery expertise, supply chain efficiency, and technological superiority to tap this opportunity.

#8 IDFC

IDFC First Bank is entering a phase of strong loan growth of 21% CAGR over FY22 25E, aided by improvement in profitability due to the replacement of high cost borrowings, better cost trends and controlled credit costs.

A strong brand, quality service levels, transparency and customer-friendly products have enabled IDFC First Bank to improve its funding mix in favor of low cost customer deposits. We expect RoA RoE to touch 1.3%/13.9% in FY25E.

#9 Zee

Zee Sony merger has received both the CCI as well as shareholder’s approval. With this, the merger process may conclude by 4QFY23.

With the majority stake now being owned by Sony, the stock should also benefit from better capital allocation, improved corporate governance, and business synergies. The combined entity has the potential to become a strong dominant player in the Broadcasting space and also capitalize on large-scale digital opportunities.

#10 Lemon Tree Hotels

Lemon Tree has a strong presence in the mid-priced Hotel segment. It benefits from improving traction in corporate travel as ~ 86 of its rooms are located in the business destination. It is focusing on adding rooms under the ‘management contract’ model where it has a strong pipeline of 24 properties lined up.

(The views content and recommendations expressed in this post are of leading stock market experts and do not represent those of Moneyexcel.com. Please consult your financial adviser before taking any position in the stocks mentioned)

5 Ways to Take Care of Your Health in Your Senior Years

Shitanshu Kapadia
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5 Ways to Take Care of Your Health in Your Senior Years

Are you starting to feel aches and pains every day? Are you waking up more tired and lethargic after a night’s sleep? As you get older, it is common to feel changes in your health, with some symptoms more serious than others.

But know that there are things you can do to take care of your health in your senior years. It is not too late to improve your quality of life. Staying active, eating a balanced diet, and staying connected with loved ones are essential for senior health. Regular check-ups and having a medical care alert system can ensure quick assistance during emergencies, providing peace of mind for you and your family.

Here are some simple changes you can make to feel a big difference.

take care health senior years

5 Ways to Take Care of Your Health in Your Senior Years

#1 Invest in Senior Health Insurance

As you get older and enter your senior years, the chances of you having to go to the doctor and hospital for treatment increase. You have a higher risk of sickness and suffering from certain ailments. This is something that you should prepare for. In other words, if you feel like something is wrong, it is important to be proactive and seek medical help. You can improve your quality of life.

Namely, a good investment you can make is to get senior health insurance. The waiting lists are long on the NHS and there may be situations where you need urgent medical care. So, this is an investment to ensure you can see a doctor sooner, as well as access specialised treatment in a hospital. You can visit https://www.usaycompare.co.uk/health-insurance/senior-health-insurance to read more about this type of insurance and what it offers you. Indeed, you can get a quote to find out what you would pay and the coverage you can enjoy.

#2 Choose Nutritious Food

Over the years, you may have developed unhealthy habits. We are talking about what you eat on a daily basis. Adults often do not get enough fruit and vegetables every day to get the nutrients their body needs. This can make you feel tired and lethargic, as well as suffer from other ailments. It is not a good way to protect your health in the long run.

So, one of the simple changes you can make in your senior years is to eat more healthy and nutritious food. This should include cutting down on sugar and junk food and turning to fresh and healthy alternatives. If you have time, you should try to cook more and you can experiment with new recipes. This can be fun and rewarding at the same time. Plus, you want to be drinking more water and cutting down on caffeine. You may also want to consider adding a dietary supplement to your regimen, to aid immunity and digestion (see here for some of the best digestive enzymes) and ensure you are getting all of the right nutrients that your body needs to stay fit and healthy. For those looking for trusted sources of supplements and wellness products, pharmacies like the one found at https://midtownexpresspharmacy.com/ offer a variety of options to support overall health and well-being. Choosing high-quality supplements can help fill nutritional gaps and promote a stronger, healthier lifestyle.

#3 Join a Gym for Regular Exercise

How much exercise do you enjoy a week? A lot of us are guilty of not walking every day and living a sedentary lifestyle. But, if you really want to stay fit and healthy in your senior years, you need to get out and about. This can help you to manage your weight, build muscle and allow you to continue doing other things you enjoy doing. Staying active can also be good for your mental health.

Something else you can do to improve your health is to join the gym. This is going to be a commitment and help you to get fit and it can be a fun way to exercise. What’s more, there are often classes at gyms you can attend, which can mean that you can socialise. It can become part of your daily or weekly routine and you will feel better about your body in no time.

#4 Get Annual Vaccinations

Once you are over a certain age, you are going to be entitled to some vaccinations. For example, one of them is the flu vaccination. It is important that you do not pass up these opportunities. There is no doubt that with age, you can become vulnerable and the last thing you want is to get sick. This is particularly true in the winter.

So, when you have the opportunity to get annual vaccinations, make sure that you take advantage of this. You can ease your mind and know that you have protected your health and done everything you can. This also means that you do not have to stay in your home and try to avoid people out of worry when viruses are going around.

#5 Keep the Brain Active

When we talk about improving your health in your senior years, everybody immediately thinks about their body. But they forget about mental health. This is just as important as your physical health and you need to take care of your mind in your senior years too. This includes keeping active and using your brain every day, as well as resting when you are feeling down in the dumps. It is well known that family visits boost senior health too, therefore organizing regular meet-ups with loved ones is important for both your mental and emotional health in your senior years.

There are many other ways that you can keep your brain active. For example, you can do crosswords, complete puzzles and even play online games. You can also choose to challenge yourself on new walks and find different directions to follow. Taking a course is easy to do with the internet now and there are several ways to challenge yourself.  Participating in activities and celebrating holidays can lead to creating senior memories, which can greatly benefit seniors by reinforcing relationships, expressing creativity, and promoting emotional well-being. These activities can also foster a sense of belonging within a community, creating beautiful memories to cherish for years to come. It is easy to sit in front of the television all night. So, you have to work hard to keep your brain active and learn new things.

Gold Coins Vs Gold Bars – Which Is the Best Investment on Diwali? 

Shitanshu Kapadia
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Gold Coins Vs Gold Bars – Which Is the Best Investment on Diwali? 

Gold is one of the earliest traded commodities. Humans have been using this precious metal as a form of exchange for over a thousand years. In the ancient era, gold was common among royalty and wealthy families. It was both used as wealth storage and a status symbol.

A lot of investors have been venturing into the gold industry over the last few years. Unlike other forms of investments, such as stocks, gold tends to correlate negatively to market movements. Hence, it might maintain value during extreme economic downtime, such as inflation.

Before venturing into this industry, it’s important to understand several ways you can invest in gold. They include gold bullions (coins and bars), exchange-traded funds (ETFs), mining companies, and more. While you might think that any form of gold investment gives the same profits, it’s important to understand that each form has its benefits and downsides.

If you decide to invest in gold bullion, you might wonder whether you should invest in gold coins or bars. If you’re a newbie in bullion investment, it can be challenging to choose between the two options. For this reason, it’s important to conduct extensive research to identify the ideal bullion investment. It’s also important to understand there’s no right or wrong way to invest in gold bullion. Your preference will depend on your financial goals, needs, the value of your investment, and more.

The following is a quick rundown of what you need to know about gold bars and coins. It contains information you might consider using to help you choose the ideal investment plan. Keep reading.

Gold Coin vs Gold Bar

Gold Coin vs Gold Bar

What You Need To Know About Gold Coins

People have been using gold coins as a currency for many years. In the modern era, gold coins are used as a store of value besides being universally accepted as a form of money. As mentioned above, gold has a negative correlation to market movements. Hence, it’s able to maintain its inherent value, protecting your whole investment in the long run.

Over the years, you can purchase gold coins from several vendors. Thanks to technological advancement, you can easily purchase them from the comfort of your home. However, it’s important to conduct extensive research to understand the price of a gold penny nowadays and avoid paying more for the same commodity.

Gold coins are available in different denominations, ranging from 0.5 grams to 50 grams in weight. However, the availability of the denomination you wish to buy may depend on your government, sovereign mint, and more. Regardless of the coin denomination you get, it’s important to ensure the coin is hallmarked. Hallmarking certifies the level of purity of the gold coin, saving you from being swindled by dishonest vendors out there.

What Are The Benefits Of Investing In Gold Coins? 

The following are the advantages of investing in gold coins:

  • Recognition 

As mentioned above, gold coins are universally recognized as a currency. Hence, you can easily use them to make purchases if the fiat currencies collapse in your country. Also, due to the wide recognition of the gold coin, you can easily convert your investment into cash. However, it’s important to ensure you purchase your coins from reputable vendors to avoid losing your whole investment.

  • Ease Of Storage  

When investing in physical gold, it’s crucial to factor in the storage charges and convenience. Gold coins are essentially small in size, making it easier to store them either at your home vault or a reputable storage provider in your locality. Lower storage and management charges will greatly improve your savings margins in the long run.

What Are The Disadvantages Of Investing In Gold Coins? 

The following are the downsides of investing in gold coins:

  • No Regular Income 

When investing, it’s your goal to earn income from your investment. However, this might not be true if you own a gold coin. If you store a gold coin in your home vault, it’ll not give any income or dividends regardless of how long it stays there. You’ll only benefit from your gold coin when its market value increases and you sell it.

  • Higher Premiums

This is another con of investing in gold coins. When you buy gold coins, the vendor might charge premiums; hence, the cost of gold bullion will be higher than the current market value. Premiums are meant to compensate for costs, such as minting, distribution, marketing, and other charges. Thus, if you invest heavily in gold coins, the higher premiums may affect the amount of gold you’ll obtain from your investment.

What You Need To Know About Gold Bars

Gold bars have become one of the most sought-after investment plans over the last few years. They’re one of the best ways to diversify a portfolio and protect your investment against economic uncertainties and inflation. Like silver bars, gold bars are available in different weights and sizes to meet the needs and expectations of investors. As gold bars require less processing than coins, you might pay lower premiums.

What Are The Benefits Of Investing In Gold Bars?

The following are the benefits of investing in gold bars:

  • Options For All Levels Of Investor 

As mentioned above, gold bars are available in different weights and sizes. For this reason, you’ll still find the ideal gold bar to invest in, whether you’re a longtime investor or just getting started. These options give almost anyone at any income level opportunities to diversify their portfolio.

  • Inflation Hedge 

As investors, it’s important to understand factors such as civil wars might affect the value of your investment. The value of paper investments tends to decrease during economic uncertainties and inflation. However, gold might help protect the value of your investment during inflation and other market downtimes.

What Are The Disadvantages Of Investing In Gold Bars?

  • Fraud Risk 

The popularity of gold bars has expanded exponentially over the last few years. This has also led to increased cases of fraudulent vendors who want to take advantage of naive investors. To avoid falling victim to such, it’s crucial to conduct enough background checks to determine the vendor’s authenticity to avoid losing your hard-earned bucks.

  • Storing Your Gold Bars Can Be Difficult

You’ll need a safe vault to store your investment when owning gold bars. Also, gold bars might have higher storage and management charges than gold coins due to their sizes. Thus, it’s important to ensure you choose a reputable vault to store the gold bars, protecting them from theft and other related issues.

Bottom Line

As discussed above, people have been investing in gold for many years. If you decide to invest in gold bullion, you might find it challenging whether you should invest in gold bars or coins. Conduct extensive research to identify your financial goals, as well as the pros and cons of each option, so that you’ll eventually make the right and best choice.

LIC Dhan Varsha 866 Guaranteed Plan – Review

Shitanshu Kapadia
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LIC Dhan Varsha 866 Guaranteed Plan – Review

LIC Dhan Varsha 866 is a new plan by LIC. Dhan Varsha is a single premium guaranteed plan. It is a Non-linked, Non-participating, Saving cum life insurance plan. This plan offers insurance coverage as well as protection also. It is proposed to provide financial assistance for the family in case of the death of an insured person during the policy term. 

This plan also provides a guaranteed lump sum amount on the date of maturity on the surviving life assured. You can buy this plan offline as well as from the online LIC website also.

LIC Dhan Varsha 866

In this post, we will review LIC Dhan Varsha 866 plan and evaluate the features and benefits of this plan. 

Eligibility for LIC Dhan Varsha

The eligibility criteria for the LIC Dhan Varsha policy is given below.

LIC Dhan Varsha 866 Eligibility

LIC Dhan Varsha No.866 Benefits

This plan offers two types of benefits. Death benefit & Maturity benefit.

#1 Death Benefit – If the death of the policyholder happens to post the commencement of risk, then his nominee will receive Sum Assured on Death + Accrued guaranteed addition. Sum Assured on Death shall depend on the option chosen by the policyholder as under –

Option 1 – 1.25 times of Tabular Premium for the chosen Basic Sum Assured

Option 2 – 10 times of Tabular Premium for the chosen Basic Sum Assured.

You have to choose these two options at the time of buying the policy itself. Later on, this option can’t be altered.

If the death happened before the commencement of the risk, the Death Benefit payable shall be a refund of premium(s) paid (excluding taxes, extra premium, and rider premium(s), if any), without interest.

#2 Maturity Benefit – If the life assured survived till the maturity of the policy, then he will receive “Basic Sum Assured” along with accrued Guaranteed Additions.

The Guaranteed Additions shall accrue at the end of each policy year, throughout the policy term, and shall depend on the Option Chosen, Basic Sum Assured, and the Policy Term.

Option to take Maturity Benefit in installments for 5 years, After the settlement option is exercised, and the life assured desires to withdraw the option, and commute the outstanding installments, it can be done on written request. Not allowed to the nominee, in case of death of LA during installment payouts.

LIC Dhan Varsha Examples

Here are examples of policies with option 1.25 times premium + Accrued guaranteed addition and 10 times premium + Accrued guaranteed addition. These examples are for 30-year-old person who opts for 1.25 times premium and 10 times premium options. 

LIC Dhan Varsha Examples

LIC Dhan Varsha No.866 Review – Should You Invest?

From the above examples and features let’s try to evaluate LIC Dhan Varsha in detail.

#1 Do you want to get insurance and investment in a single product?

LIC Dhan Varsha is a saving cum insurance plan. This means it is a mixed product. As far as financial planning is concerned it is not advisable to club the goal of insurance – life cover (risk cover) with the investment product. I would not advise you to go for a saving cum insurance plan.  

#2 What type of Returns can you expect from this policy?

From the above example where 30-year-old person opts for a 10 Lakh policy. In the case of 1.25 times, a premium option is taken IRR is 6%, and for the 10 times, the premium option IRR is 4.74%.

This means returns given by this policy is just a little bit above the saving bank account. 

It is very very less and probably equals fixed deposit returns.

From the above two points, it is very clear that this policy is not a very good option to opt for. This policy offers you tax benefits but as far as returns this policy is not advisable to go for.

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