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Hans India
28-07-2025
- Business
- Hans India
Retirement planning guide for young investor
For most young people, retirement might seem like a distant milestone, but in reality, it's a lot closer than it seems. As Indians are living longer, families are becoming smaller, and healthcare costs are climbing along with inflation, well-researched and thoughtful retirement planning is a must for all, including young investors, for whom starting early can make a big difference. The first step in the direction of making a successful retirement plan is setting clear, well-defined goals, including a firm decision on when you intend to retire. In India, 60 years is considered the benchmark, but it may differ person to person depending on lifestyle aspirations, financial goals, and health outlook. The next step is to decide on your desired post-retirement lifestyle, whether you want to travel, volunteer, or pursue your passion. The more specific your vision is, the more accurate the financial roadmap will be. And that means you have to estimate how much that lifestyle will cost after factoring in current expenses and future changes, including inflation, which will erode purchasing power over time. After making all calculations, you have to set saving targets aligning with your investment strategy. As time is the most powerful asset for young investors, the earlier you start, the greater the long-term reward will be. Starting to save early in life will allow you to utilise the power of compounding to your advantage, thereby ensuring that their money keeps growing exponentially over time. For instance, starting Systematic Investment Plan (SIP) investments in your 20s even with small amounts can help build a substantial corpus over time, enabling financial security at retirement or even an early retirement. Another major advantage of starting early is that it allows you to take advantage of high-growth investment options such as equity mutual funds, which are considered volatile in the short term but tend to perform well over the long run, making them ideal for young investors with time on their side. Once you have set goals, made investment strategies, and started saving, a disciplined approach is all you need. You can start by listing all your monthly expenses, which will give you a clear picture about the money and help you in identifying unnecessary expenses that can be curtailed. If you follow this strictly, you will be able to allocate the required funds to retirement savings, which will allow you to achieve all your investment targets. As retirement planning isn't only about saving money, it is more about securing your future. Starting early will empower young investors with choices, confidence, and the ability to lead life on their own terms. (The writer is a Associate Director, Geojit Financial Services Ltd)
Business Standard
16-07-2025
- Business
- Business Standard
Abans Financial Services Ltd leads losers in 'B' group
Geojit Financial Services Ltd, Dynamic Cables Ltd, Shashijit Infraprojects Ltd and Tokyo Plast International Ltd are among the other losers in the BSE's 'B' group today, 16 July 2025. Geojit Financial Services Ltd, Dynamic Cables Ltd, Shashijit Infraprojects Ltd and Tokyo Plast International Ltd are among the other losers in the BSE's 'B' group today, 16 July 2025. Abans Financial Services Ltd tumbled 10.18% to Rs 227.6 at 14:31 stock was the biggest loser in the BSE's 'B' the BSE, 19640 shares were traded on the counter so far as against the average daily volumes of 8332 shares in the past one month. Geojit Financial Services Ltd crashed 7.46% to Rs 76.16. The stock was the second biggest loser in 'B' the BSE, 3.52 lakh shares were traded on the counter so far as against the average daily volumes of 78192 shares in the past one month. Dynamic Cables Ltd lost 6.93% to Rs 440.15. The stock was the third biggest loser in 'B' the BSE, 90196 shares were traded on the counter so far as against the average daily volumes of 22849 shares in the past one month. Shashijit Infraprojects Ltd plummeted 6.82% to Rs 5.6. The stock was the fourth biggest loser in 'B' the BSE, 37598 shares were traded on the counter so far as against the average daily volumes of 44906 shares in the past one month. Tokyo Plast International Ltd pared 6.70% to Rs 125.95. The stock was the fifth biggest loser in 'B' the BSE, 235 shares were traded on the counter so far as against the average daily volumes of 665 shares in the past one month.
The Hindu
20-05-2025
- Business
- The Hindu
‘Older investors need to be cautiously optimistic of market rallies'
The recently released annual report of the Association of Mutual Funds of India (AMFI) showed that 60% of the people aged 25 to 44 were investing in equity mutual funds and this share increased from 36% in 2020. The increased risk-taking tendencies can be confirmed by the reduced interest in debt securities in this age group. This trend is contrary to the street wisdom that younger investors are more risk taking. Experts say that a combination of increasing popularity of investing in markets and the post COVID-19 bull rally were the reasons behind the shifting preferences of this age group. The optimism was seen despite a correction in September 2024. 'Investors are not panicking and that is a positive development' said V.K. Vijayakumar, Chief Investment Strategist at Geojit Financial Services Ltd. Mr. Vijayakumar also said that 'recent bias' contributed to this increasing share of older investors in equity mutual funds. While he maintained that high frequency indicators like the purchasing managers index and GST filings showed healthy macroeconomic situation, investors may have to be cautiously optimistic. 'It is difficult to justify a price to earnings ratio of 20-21 in a market where the earnings of corporate India grow at 5-6%. Market is of the opinion that earnings growth will pick up. But the market is richly valued, ' he said. A 'richly valued' market means that the stocks are valued at the right price and there is no room for a further increase in value. Mr. Vijayakumar said that richly-valued markets can correct in response to unexpected events. He further added that present fundamentals do not support a further rally to occur.
