Today’s M & A Deals_Dec 14, 2018

M & A Deals :

  • Kotak Realty Fund sets up single LP account for first affordable housing vehicle
  • Venture Catalysts invests in environmental intelligence startup Ambee
  • Matrix Partners invests more money in online services marketplace Housejoy
  • Delhi High Court ban on e-pharmacies puts $300 mn of VC money at risk
  • CPPIB scouts for strategic partners in NBFC space; eyes more education bets
  • Sensex finishes in the green as Infosys, financial stocks lead gains
  • True North may buy out Max India from insurance biz; Haldiram, others circle Maiyas
  • Environmental intelligence startup Ambee gets angel investment

Today’s M & A Deals_Dec 13, 2018

M & A Deals :

  • Tata group’s mutual fund arm is setting up a PE vertical
  • Lighthouse adds CDC as LP for latest fund, targets final close in four months
  • IPE Global-backed investment firm to launch debut impact fund
  • Neev Fund-backed Blue Planet buys organic waste processing firm Yasasu EMS
  • Cognizant acquires content firm Mustache to mark sixth buyout of 2018
  • India’s retail inflation at 17-month low in Nov; industrial output up 8.1% in Oct
  • Swift change of guard at RBI helps Sensex soar nearly 2% higher
  • Norms tweaked for listing Indian startups on stock exchanges
  • Flipkart’s wholesale arm gets $304 mn in fresh capital from parent

Morning Business News Round Up_ Dec 13, 2018

  • Shaktikanta Das takes charge as 25th RBI Governor
  • Inflation cools, IIP up in twin treat for economy
  • Industrial output growth fastest in 11 mnths at 8.1%
  • UK’s May plans to quit before 2022 election: MPs
  • GST evasion worth Rs 12,000 cr detected
  • India’s air connectivity grew fastest in five years: IATA
  • Rajan tells how India can be a $5-tn economy
  • RBI board meet on Dec 14 to focus on liquidity in financial system
  • Patel’s resignation highlights risks to RBI’s policy priorities: Fitch
  • Sebi allows segregation of distressed assets by MFs
  • Sebi allows MFs’ entry into commodity derivatives market
  • JSW Steel’s crude steel output surges 2% to 1.39 MT during November
  • Ashok Leyland, Israel’s Elbit Systems sign MoU for high mobility vehicles
  • Real Effective Exchange Rate rises to 112.41 in Nov; experts say rupee still overvalued
  • Adani becomes first generator to get PPA amended for imported coal-based plants
  • ‘Govt agencies must be proactive for agri-export growth’
  • India rejects EU’s suggestion not to re-test imported steel
  • Ambuja Cement announces₹960-crore capex plans
  • SREI Equipment Finance eyes pacts for lease, acquisitions
  • Brazil approves WTO action over Indian sugar subsidies
  • Sebi examining whistleblower complaint against Sun Pharma: Ajay Tyagi
  • Truecaller Pay to enter credit business early next year
  • NinjaCart raises $35 million from Accel, Syngeta Ventures
  • China to plan revised technology program: Report
  • Faulty hip implants: J&J says looking for speedy resolution
  • Sebi expands OFS framework to all companies with market-cap of Rs 1,000 crore and above
  • Ease of doing business: DIPP to help states in ranking districts
  • China, US begin talks to sort out trade differences
  • Government may keep FY19 bank recap target at Rs 65,000 crore: Icra
  • Dip in RBI reserves to up India’s risk premium
  • India needs good oil hedging policy, says Rajan
  • Bharat 22 ETF, OFSs may help govt meet selloff goal
  • Irdai delinks personal accident cover from 3rd party motor insurance

Morning Business News Round Up_ Dec 12, 2018

  • USD 300-bn investment in energy in coming decade: Min
  • Rel Jio to hive off fibre, towers into separate units
  • Mallya’s extradition to speed up loan recovery: SBI
  • India to add 10,000 MW renewable energy capacity
  • RBI not dependent on any particular individual: Niti
  • Modi may forgive farm loans to win back rural voters
  • Indiabulls Ventures’ promoter Sameer Gehlaut, 5 others settle case with Sebi
  • Shaktikanta Das, who steered demonetisation drive, is new RBI governor
  • Economist Surjit Bhalla quits Prime Minister’s Economic Advisory Council
  • RBI remains net seller of dollar in Oct, sells $7.2 bn of greenback: Data
  • CCI approves Tata Sponge Iron’s acquisition of Usha Martin’s steel business
  • Cadila Healthcare subsidiary gets USFDA nod for ulcer treatment injection
  • Gas trading hub to be set up soon: Pradhan
  • Centre sells stake in IndianOil
  • EEE tax status will encourage retail participation in NPS, says PFRDA chief
  • Shipping Ministry unveils platform to fast-track payments
  • IndiGrid sees growth potential in sale of transmission assets
  • Alpha Capital invests ₹160 crore in Hero Electric
  • Airtel hopes early amicable resolution of Niger tax dispute
  • India to add 10GW of renewable power in FY20: ICRA
  • Mapletree to invest in logistics assets in India
  • IHH Healthcare moves to allay CCI’s concerns on Fortis deal
  • Safeguard duty: Import of solar cell declines, domestic firms’ market shares up
  • Saradha chit fund scam: NCLT orders closure of 13 group companies
  • JSW Cement looks to expand presence in east
  • Air India calls bids to sell Nariman Point building
  • UK judge critical of Indian banks in providing loans to Vijay Mallya
  • EU rules out renegotiation as May seeks help from Merkel
  • Rupee slips 53p on Patel’s exit
  • G&J exports to US to grow 10-15% this year
  • Bank recap hinges on AQR of 200 large accounts
  • Icra assigns negative outlook to domestic airline industry

Financial Planning and its Benefits

“Many People Take No Care of Their Money Till They Come Nearly to the End of it, and Others do Just the Same With Their Time.”     

– Johann Wolfgang von Goethe

Financial Planning and its Benefits

As human beings, we are all blessed with the ability to think and act. Our minds are the best supercomputers that have the ability to think and plan for the future ahead. One of the most important things to do, therefore, is to plan your finances in order to keep your future secure. Financial planning is of utmost importance because it concerns not just your own, but the future of your loved ones as well.

When you have planned your financial future, you will no longer have to worry about long term life goals or even unforeseen expenses as a medical emergency, accident or a job loss. If you adopt a disciplined approach towards your money, you can put away that little extra amount each month from your budget and can use it on a rainy day.

Most of all, proper financial planning leads to the ultimate goal of living a comfortable retired life, when there is no longer a pay check coming in. After you have worked hard all your life, you can put your two feet up and enjoy your retired life in style! But all that can happen if you go about with financial planning when you are young.

If you do not know where to begin, here are seven easy steps that will help you go about with your financial planning:

Set Your Financial Goals :

The very first step of financial planning is setting of goals. You have to identify your goals and assign a

value to each of them. Your financial plan must be divided into short term, mid-term and long term goals. Depending upon the stage of life cycle that you are in, your goals can be categorized under the following broad heads:

  • Marriage
  • Lifestyle
  • Owning your own home
  • Education of Children
  • Marriage of children
  • Retirement

While identifying your goals, always keep in mind that you have to take into account emergencies and plan your present and future strategies accordingly.

Plan Your Investments :

Budgeting is a very important part of planning an investment strategy, so once you have identified your financial goals, divide your income into three heads:

  •  Expenditure
  •  Investments
  •  Savings

Your investment strategy should depend upon the following

  • Your risk taking ability based upon your age, income and number of dependents on you.
  • How much of a risk you are willing to take depends upon your appetite for risk.
  • You must also take into consideration your know how about financial instruments and how much time you can spend monitoring your investments.

Do bear in mind that though high risk instruments deliver high returns, as compared to low risk instruments, they also require some amount of technical know how and the ability to track the markets. It is therefore very important for you to study the various investment options and their implications carefully, before you decide to take the plunge.

Managing Risks :

While you can hope and pray that everything goes well in your life, there is no ruling out the possibility of mishaps. In order to safeguard your family in case of any untoward incidents, you need to be adequately insured. The three categories of must have insurance policies are:

 

 

  • Life Insurance
  • Health/accident insurance
  • Insurance for loans

The benefits of taking insurance are as follows:

  • In case of your sudden demise or a crippling disease or accident that leaves you unable to earn, your family is secure and does not have to worry about their daily bread.
  • In case of hospitalization for critical illnesses that normally cost a lot, the hospital bills are taken care of without causing a strain on your finances.
  • In case you have purchased an asset (this is most applicable in the case of a home loan) make sure you shell out those extra bucks and take an insurance policy on it. Once again, in case you are not around to pay off your loan, the insurance company continues to pay off the loan to the bank and your family does not have to worry about keeping the roof over their heads.

In case of insurance policies, you should try and take as many till such time you are young. The older you get, the higher is the rate of premium you are required to pay.

Planning for Your Retirement :

When you are young and in the prime of your career, you are so busy earning money and living life king size that it is easy to forget about the travails of old age. That is exactly why you need to start planning for your retirement from your youth.

  • Long term options for investment are best suited for retirement.
  • Investing in equity helps you build considerable wealth over the long term and you can reduce risks as well if you remain invested over the long term.
  • You can also consider other options for investment such as pension plans, public provident fund and the National Pension Scheme.

If you intend to maintain the lifestyle you are leading now, post your retirement, you must take into consideration the inflation factor. You therefore need to invest in a manner that your retirement corpus grows at a higher rate than the inflation rate.

How to create the Financial Plan :

Draw up an organized budget.

This is the first and the most important aspect of drawing up your financial plan. A detailed budget will serve the following purposes:

  • It will list out all your expenses
  • It will show you where you are overspending and can cut costs
  • It will help you spend and save wisely

Cash flow planning

If you keep a hawk eye on what your current cash flow is like and can hazard an estimate about what your future cash flow is going to be like, you can not only deal with your expenses deftly, you can also stay liquid and deal with emergencies in case of any.

Managing your loan

This is the third and most important part of creating a financial plan. Managing a loan involves

  • Allocating enough funds for EMI repayment each month
  • Plan for large repayments when you have some extra cash in hand

Tax Planning :

In order to take care of tax planning, you need to compute your taxable income to get a hold on your cash flows. You can save on taxes effectively if you

  • Use all the possible tax deductions that you are eligible for and invest in tax saving instruments that best suit your purpose.
  • You must make such investments earlier in the financial year in order to get the full benefits.
  • The numerous tax laws of the country may seem complicated, but having a basic understanding of them and tax saving instruments will help you save a large part of what you earn, and can be invested elsewhere for better returns.

Assessing and Reviewing your Financial Plan :

Change, they say, is the only constant in life and thus your life goals will change as you grow older. Naturally then you cannot have one constant financial plan that you can rely on for the rest of your life. You must review your plan at regular intervals to see if your plan is meeting your financial goals. The three factors you should asses your plan on are:

 

 

  • Has your risk appetite increased or decreased?
  • Do you need to alter the allocation of your assets in your portfolio?
  • Have your insurance needs altered?

Ideally you should review your financial plan once every six months or at least annually to see whether or not your financial plan is serving your financial goals.

Can you do your Own Financial Planning?

If you have read the above steps we have elucidated for you above, you know by now, that planning your finances is not really rocket science and can be done yourself. So if you are looking for a simple answer to whether or not you can do your own financial planning, the answer is yes. However, effective money management requires quite a bit of effort and mostly a lot of discipline.

Whether you need professional help in managing your money will depend upon the three important factors :

Do you have the Requisite Knowledge?

In order to adopt a “do it yourself” approach when it comes to handling your money, you need to have the financial wisdom to make an effective plan. For instance, are you aware of the inflation rate and how much or corpus do you need to have in order to lead a comfortable retired life? You also need to have the ability the track the markets and assess the merits of the entire gamut of investment and insurance products in order to see what are the products that are a perfect fit with your financial goals.

Do you have Sufficient Time?

Thanks to abundance of knowledge that is available all the time on print, internet and television acquiring the basic financial knowledge is not very difficult. The next and more important factor is do you have enough time to actively track your investments and see whether they need alternations. This may be required either when there is a major change in the macroeconomic environment thus making re-allocation necessary or when there are some changes in your life goals.

Can you afford it?

A professional financial planner may not be the cheapest option for you. However you need to make a judgement call and see whether it is worth spending your precious time and effort on money management that may not be your stronghold, or would you rather make an adjustment to your finances to pay the financial planner his fee and be at peace knowing that he will keep in touch with you to see whether your financial goals have altered and whether or not you need to make changes to your portfolio. Overall, there is no denying that the advice of an expert will help you see your money grow in a manner you may not have been able to manage yourself.

In conclusion it must be said that if you are wary of paying an expert a fee you should try and go ahead with your do it yourself approach and see if you can maximize the value of your portfolio. However if things are getting too complex for you too handle,you might as well hand things over to an expert.

For more information , Kindly contact to our Financial Planning Adviser Mr. Shreyans @ 079 68174040 OR sent your query on fp@beelinebroking.com

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Today’s M & A Deals_Dec 12, 2018

M & A Deals :

  • Kae Capital, Tekton Ventures invest in logistics startup Freightwalla
  • US pension fund TIAA buys stake in social impact investor Aavishkaar-Intellecap
  • pi Ventures bets on blockchain-based B2B payments platform OweMe
  • Sensex, rupee stage sharp recovery as RBI governor exit, election results swing sentiment
  • TeamLease wants to be a tech company in the business of staffing: CTO Parag Modi\
  • CX Partners exits seven-year bet on private sector bank
  • China’s Fosun, others back online loan facilitator Perk Finance
  • Sequoia Capital invests $9 mn in mattress maker Wakefit
  • GSK Velu-backed Stakeboat resizes debut PE fund, to mark final close by March
  • IDFC invites fresh bids for broking & investment banking unit
  • Social platform Roposo gets $10 mn in fresh capital

Morning Business News Round Up_ Dec 11, 2018

  • UK govt can delay Brexit vote without parl’s approval
  • SBI plans to raise up to $1.25 billion via bonds
  • RBI says deputy governor Acharya has not resigned
  • Govt staff can save tax on NPS with 3-yr lock-in
  • RBI Guv’s resignation a matter of concern: Rajan
  • NSE issues notices to IL&FS Group firms, others for non-compliance with listing norms
  • Urjit Patel quits as RBI governor 9 months before his term was to end
  • Kotak Bank moves HC against RBI over promoter shareholding dispute
  • Indian govt should heed RBI on financial stability: IMF Chief Economist
  • Sebi, exchanges on guard for volatility over poll results, RBI guv’s exit
  • Escorts forms a JV with Japan’s Kubota to produce high-end tractors
  • Direct tax collections surge 15.7% to Rs 6.75 lakh cr in Apr-Nov
  • NCLT extends deadline for Viceroy Hotels insolvency resolution process
  • ₹1,560-cr order to drive Titagarh Wagons
  • SEBI to seek board approval for overseas listing of cos tomorrow
  • DRS Dilip Roadlines makes a strong debut on NSE-Emerge
  • Rupee forwards slump after RBI governor Urjit Patel’s resignation
  • UK court orders Vijay Mallya’s extradition to India
  • JSW Steel emerges as lone star among India metal stocks
  • Reliance Jio seen as India’s No.1 telecom company by 2021
  • Indian Hotels revamps Ginger brand, eyes profit by FY19-end
  • Hero Future set to buy solar assets of Waaree
  • Any attempt by govt to curtail RBI’s independence credit negative: Moody’s
  • Essar Steel case: Lenders ask NCLT to dismiss plea to consider Ruias’ offer
  • SBI hikes MCLR by 5bps to 8.55 per cent across tenures
  • Fall in North America orders a cause of concern for Bharat Forge
  • Bank recap hinges on AQR of 200 large accounts
  • Jet Airways in codeshare pact with Saudi carrier Flynas
  • Icra assigns negative outlook to domestic airline industry
  • HCL opens up future course with IBM deal

Morning Business News Round Up_ Dec 10, 2018

  • GDP back series: Ex-CEA calls for expert review
  • Sebi mulls policy to identify ‘difficult to recover’ cases, prosecution to continue uninterrupted
  • Ministry sends new industrial policy for Cabinet approval: Prabhu
  • Jaitley underlines top two upcoming priority areas
  • PFC not to make open offer post REC acquisition
  • Sebi to expand OFS framework, relax FPI investment clubbing norms
  • NBFCs may follow banks in liquidity reporting; cost of capital set to go up
  • Tata Beverages plans to add milk power to biz, in buyout talks with firms
  • Steel firms may drop prices of flat products by up to Rs 1,500 a tonne
  • Maruti Suzuki to slip into single-digit growth lane in FY19 after 4 years
  • India’s growth ‘very solid’ over the past 4 years: IMF’s chief economist
  • PMO seeks whitepaper on OVL, future strategy
  • Public-private partnership crucial for healthy childhood: Apollo VC
  • Deadline for filing annual GST return extended to March 31
  • NRI tycoon Yusuf Ali walks away from Jet Airways stake sale
  • Oil PSUs to add 4,500 petrol pumps across Gujarat
  • Six of top 10 companies lose Rs 54,916 cr in m-cap
  • Qualcomm hopeful of faster 5G deployment in India
  • All villages to be connected through broadband by 2019: Manoj Sinha
  • China backs India’s bid for improved domestic regulations
  • No GST on sale of properties with completion certificate
  • NHAI may not get many bids for toll roads
  • PNB invites bids for 24 NPA accounts to recover Rs 1,179 cr
  • Sebi to expand OFS framework, relax FPI investment clubbing norms
  • India’s coal output up 10 percent to 156 MT during April-November
  • AI & data science: Open source makes NSE smart and secure
  • Arvind: 12% revenue CAGR likely for demerged unit
  • Farm export policy: High target may remain beyond reach without reforms, incentives
  • DoT bails out MTNL with Rs 120cr lifeline for November salary bill
  • Telcos struggling to survive cash crunch
  • NCDs cannot be primary source of funding for NBFC
  • Chinese import may help rescue sugar industry
  • SFIO smells rat in Rs 95 cr IL&FS staff trust deal
  • Gold ETFs record Rs 10 cr net inflows

Morning Business News Round Up_ Dec 07, 2018

  • Union cabinet approves agricultural export policy
  • Cabinet approves REC takeover by PFC
  • $100 bln investment in telecom to add $1.2 tn to GDP
  • US trade deficit hits 10-year high on record imports
  • Brent oil price sinks below $60 on Saudi comments
  • Patanjali to set up Rs 634 cr food park in Vizianagaram
  • Jet Airways seeks $350 million soft loan from Etihad
  • Banks at ‘poverty line’ of capital will stay poor: RBI executive director
  • Goa calls high-level meet on Dec 12 to discuss farmers’ woes in mining belt
  • India to import Iranian crude oil using rupee payment mechanism: Source
  • Fitch cuts India’s growth forecast to 7.2% in FY19 on higher financing cost
  • NCLT allows ICICI Bank’s Rs 7-bn claim in Era Infra insolvency case
  • Govt prepares Cabinet note to strike down Section 33 (2) of Aadhaar
  • IREDA may borrow up to₹48,000 cr for Centre’s subsidised solar water
  • ESIC allows people other than subscribers to avail its services
  • RP-SP Group eyes₹10,000-crore turnover from snacking segment
  • Centre sells 2.21 per cent stake in CIL to CPSE ETF
  • US markets rout deepens with banks leading latest drop
  • NHPC to acquire 500 MW Lanco Teesta project for around Rs900 crore
  • Vodafone Idea, Airtel, Reliance Jio must agree on stress for spectrum relief
  • Kia Motors to begin production in Andhra Pradesh mid-2019
  • OPEC agrees tentative oil cut, waits for Russia to commit
  • New industrial policy to address challenges faced by manufacturing sector: Official
  • India, Pakistan trade much below than potential, says World Bank report
  • Union Cabinet approves pact between India and France in the field of energy efficiency and conservation
  • Alstom makes Sricity facility its global manufacturing center
  • NCLT dismisses HDFC plea for starting insolvency proceedings against RHC Holding
  • Govt must make policy corrections to support realty sector: CREDAI
  • Rupee drops 44 paise to 70.90 against dollar amid sharp sell-off in equities

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