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Globe and Mail
28-05-2025
- Business
- Globe and Mail
European companies cut costs, scale back investments in China as its economy slows
BEIJING (AP) — European companies are cutting costs and scaling back investment plans in China as its economy slows and fierce competition drives down prices, according to an annual survey released Wednesday. Their challenges reflect broader ones faced by a Chinese economy hobbled by a prolonged real estate crisis that has hurt consumer spending. Beijing also faces growing pushback from Europe and the United States over surging exports. 'The picture has deteriorated across many key metrics,' the European Union Chamber of Commerce in China said in the introduction to its Business Confidence Survey 2025. The same forces that are driving up Chinese exports are depressing the business outlook in the Chinese market. Chinese companies, often enticed by government subsidies, have invested so much in targeted industries such as electric vehicles that factory capacity far outpaces demand. The overcapacity has resulted in fierce price wars that cut into profits and a parallel push by companies into overseas markets. In Europe, that has created fears that growing imports from China could undermine its own factories and the workers they employ. The EU slapped tariffs on Chinese EVs last year, saying China had unfairly subsidized electric vehicle production. 'I think there's a clear perception that the benefits of the bilateral trade and investment relationship are not being distributed in an equitable manner,' Jens Eskelund, the president of the EU Chamber in China, told reporters earlier this week. He applauded efforts by China to boost consumer spending but said the government must also take steps to ensure that supply growth doesn't outpace that in demand. The survey results show that the downward pressure on profits increased over the past year and that a fall in business confidence has yet to bottom out, Eskelund said. About 500 member companies responded to the survey between mid-January to mid-February. 'It is just very difficult for everyone right now in an environment of declining margins,' he said.
Associated Press
28-05-2025
- Business
- Associated Press
European companies cut costs, scale back investments in China as its economy slows
BEIJING (AP) — European companies are cutting costs and scaling back investment plans in China as its economy slows and fierce competition drives down prices, according to an annual survey released Wednesday. Their challenges reflect broader ones faced by a Chinese economy hobbled by a prolonged real estate crisis that has hurt consumer spending. Beijing also faces growing pushback from Europe and the United States over surging exports. 'The picture has deteriorated across many key metrics,' the European Union Chamber of Commerce in China said in the introduction to its Business Confidence Survey 2025. The same forces that are driving up Chinese exports are depressing the business outlook in the Chinese market. Chinese companies, often enticed by government subsidies, have invested so much in targeted industries such as electric vehicles that factory capacity far outpaces demand. The overcapacity has resulted in fierce price wars that cut into profits and a parallel push by companies into overseas markets. In Europe, that has created fears that growing imports from China could undermine its own factories and the workers they employ. The EU slapped tariffs on Chinese EVs last year, saying China had unfairly subsidized electric vehicle production. 'I think there's a clear perception that the benefits of the bilateral trade and investment relationship are not being distributed in an equitable manner,' Jens Eskelund, the president of the EU Chamber in China, told reporters earlier this week. He applauded efforts by China to boost consumer spending but said the government must also take steps to ensure that supply growth doesn't outpace that in demand. The survey results show that the downward pressure on profits increased over the past year and that a fall in business confidence has yet to bottom out, Eskelund said. About 500 member companies responded to the survey between mid-January to mid-February. 'It is just very difficult for everyone right now in an environment of declining margins,' he said.
Yahoo
19-05-2025
- Business
- Yahoo
Bajaj Finserv Asset Management Announces Guide: 'SIP Planning for Unpredictable Incomes – A Path to Consistent Investing'
PUNE, India, May 19, 2025 (GLOBE NEWSWIRE) -- If you're a freelancer, artist, consultant, or someone who doesn't get a fixed salary every month, managing your money can feel tricky. One month might be great, and the next one might be slow. But even with this kind of income, you can still invest and grow your money steadily. That's where SIPs, or Systematic Investment Plans, come in. In this guide, we'll walk you through how to plan SIPs even if your income goes up and down. The idea is to stay consistent with your investments, even if the amount you invest varies from time to time. What is an SIP? A SIP (Systematic Investment Plan) is a way to invest regularly in mutual funds. Instead of putting in a large amount all at once, you invest small amounts at regular intervals, usually monthly. It helps you stay disciplined and grow your money over time without needing a big sum to start. Why SIPs make sense for irregular income earners Even if your income is not stable, SIPs can still work for you. Here's why: You can start small: SIPs don't require big investments. You can start with as little as ₹500 a month in general. You can pause and resume: Most mutual fund SIPs allow you to pause your investments if needed and start again when your cash flow improves. You can increase the amount later: Once you start earning more, you can step up your SIP amount easily. It brings financial discipline: When you commit to investing regularly, you slowly build a habit of saving and planning ahead. How to plan SIPs with an unpredictable income Here are some simple and practical tips to help you set up and maintain a SIP, even when your income isn't fixed. 1. Start with a small amount Don't wait until your income becomes stable to start investing. Begin with what you can afford – even ₹500 or ₹1000 a month. The goal is to build the habit first. 2. Use flexible SIP options Some mutual funds for SIP offer features like flexi SIP, where you can change the amount you invest based on your monthly income. This gives you more control during months when you earn less. 3. Save during high-income months When you have a good month, try to save more. You can either invest extra through a lumpsum or adjust your next few SIP amounts. This balances out the low-income periods. 4. Keep an emergency fund Always have 3 to 6 months' worth of expenses in a savings account or liquid fund. This will keep your SIPs going even when your income dips, and it prevents you from stopping your investments during tough times. 5. Choose a suitable mutual fund Go for funds that match your risk level. For example, equity mutual funds ,may offer long-term growth, but they can be volatile. If you want lower risk, consider hybrid funds that mix equity and debt. 6. Using tools to plan better When your income is not regular, it's important to plan ahead. Online tools like an SIP calculator can help you understand how your money will grow over time based on how much and how often you invest. On the other hand, if you ever need to start withdrawing a fixed amount each month from your mutual fund, you can use an SWP mutual fund calculator to see how long your money will last. SWP stands for Systematic Withdrawal Plan. It's like the reverse of a SIP and useful when you need a steady income from your investments later in life. Track and adjust as needed It's okay if you miss an SIP or need to change the amount. What matters is that you keep checking in on your progress. Once a quarter, look at your investments, see how they are doing, and decide if you want to increase or decrease the amount. The key is consistency, not perfection. Common mistakes to avoid Stopping SIPs after one bad month: It's okay to skip, but don't give up completely. Resume when you can. Not tracking spending: Unpredictable income needs better budgeting. Know where your money goes. Investing without a goal: Whether it's buying a laptop, saving for rent, or building a safety net, have a goal in mind. Conclusion SIP planning is not just for people with fixed incomes. Even if your earnings go up and down, you can still invest regularly and build wealth over time. The trick is to start small, be flexible, and stay consistent. By choosing a suitable mutual funds for SIP, saving more during high-income months, and using tools like a SIP or SWP mutual fund calculator, you can take control of your finances – no matter how unpredictable your income is. So don't wait for the 'perfect time' or a fixed paycheck. Start your SIP journey today, one step at a time. Contact Info: 18003093900 Name: Gaurav Parmar Email: Organization: Bajaj Finserv Asset Management Disclaimer: This press release is provided by the Bajaj Finserv Asset Management. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing involves significant risks, including the potential loss of capital. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. 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Business Standard
16-05-2025
- Business
- Business Standard
Benefits of investing in Daily SIPs: You can start with as little as Rs 100
Daily SIP in mutual funds: The effects of domestic and global sentiments are visible in the stock market every day. Despite this, investors continue to trust mutual funds. Particularly in equity schemes, investors are consistently investing. April marked the 50th consecutive month of inflow into equity funds. Through Systematic Investment Plans (SIPs), a record ₹26,632 crore was invested. The mutual fund industry is introducing new products and facilities to attract more retail investors. One such option is Daily SIP. Experts suggest that if you want to start investing but are wary of large amounts or complex strategies, Daily SIP could be a better option. It is simple, flexible, and affordable, allowing you to gradually build wealth. What is Daily SIP and how does it work? Market expert Ajit Goswami says Daily SIP allows you to invest a fixed and small amount in mutual funds every trading day. This method averages out the purchase price and minimizes the impact of market volatility. Over time, these small investments can grow into a significant corpus. The biggest advantage of Daily SIP is its low cost. Platforms like Paytm Money allow you to start a Daily SIP with as little as ₹21 per day. However, most mutual fund houses and platforms set a minimum daily investment limit of ₹100. How to start a Daily SIP? According to market experts, many platforms like Paytm Money, Groww, and HDFC Securities offer the facility to start Daily SIPs through their apps or websites. Before investing, assess your risk tolerance and financial goals to select a suitable scheme. Decide your daily investment amount based on the platform's minimum limit. You can ensure automatic deduction for your Daily SIP by setting up a bank or UPI mandate. Why choose Daily SIP? Ajit Goswami highlights several benefits of Daily SIPs: 1. Accessibility: Start investing with a very small amount, making it affordable for everyone. 2. Financial Discipline: Promotes regular savings and financial discipline. 3. Rupee Cost Averaging: Daily investments reduce the impact of market volatility. 4. Compounding Benefits: Enjoy the power of compounding, leading to significant wealth growth over time. To encourage financial innovation, SEBI (the market regulator) has introduced the concept of 'sachet-sized investments,' allowing SIPs to start with as little as ₹250 per month. This initiative aims to encourage investments from people in smaller towns and cities. Record SIP inflows in April According to the latest data from the Association of Mutual Funds in India (AMFI), April 2025 saw a record SIP inflow of ₹26,632 crore. Despite the closure or maturity of 1.36 crore SIP accounts due to a massive clean-up of inactive accounts, the number of contributing accounts increased from 8.11 crore in March to 8.38 crore in April. This reflects investors' sustained interest in long-term wealth creation. Motilal Oswal AMC's Executive Director and Chief Business Officer, Akhil Chaturvedi, notes that net sales remained stable at ₹24,000 crore. This reflects increased volatility due to tariff-related concerns, which kept investors cautious. Stability is a positive sign, and the absence of a significant drop in SIP accounts is encouraging. In April 2025, equity mutual fund investments decreased by 3.24% to ₹24,269 crore, marking the fourth consecutive month of declining equity fund investments. However, this was the 50th consecutive month of equity fund inflows. Conversely, debt funds witnessed a remarkable surge, with ₹2.19 lakh crore invested in April compared to a withdrawal of ₹2.02 lakh crore in March. Mutual fund industry overview In April, mutual fund industry investments totaled ₹2.77 lakh crore, compared to a withdrawal of ₹1.64 lakh crore in March. This surge in investments boosted the industry's assets under management (AUM) to a record ₹70 lakh crore, up from ₹65.74 lakh crore. SIP inflows over last 6 months
