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Time of India
8 hours ago
- Business
- Time of India
How much risk can you take when investing? Know the difference between your risk tolerance and risk capacity
Siddharth Mehta, a young lawyer and senior partner in a top law firm, has taken insurance and has started investing for his goals. Seeking a comprehensive plan, he has consulted a financial adviser. However, he's confused by a lengthy questionnaire assessing both his risk-taking capacity and risk tolerance— terms that sound identical to him. What should he do? Siddharth Mehta may be confused because both risk tolerance and risk-taking capacity relate to risk. However, in financial terms, they are not the same. Risk tolerance is a subjective measure. It reflects how much risk Mehta is willing to take and his comfort with potential losses and market volatility. Risk capacity , in contrast, is an objective evaluation of how much risk he can afford to take, based on his income, expenses and financial goals . Risk-taking capacity is Mehta's actual ability to take on financial risk. Since he is decades away from retirement, his risk capacity is higher than someone nearing retirement. Similarly, a high-net-worth individual has greater risk capacity than someone with limited resources. That's about how much risk he can afford to take, not just what he's comfortable with. This is assessed through questions like, 'Would a 20% market dip seriously hit your finances?' 'Do you have sufficient reserves to withstand it?' 'Do you have enough time to recover before needing the funds?' by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Eu usei estas meias japonesas e aliviei minha dor nas pernas NeuroFit Undo Risk tolerance is the emotional or psychological willingness to take risk, while risk capacity is the ability to take risk without jeopardising financial goals. Mehta may have the tolerance for risk but not the capacity—or vice versa. Content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava, and Labdhi Mehta. Live Events
Time of India
20 hours ago
- Entertainment
- Time of India
Maria Laborde shares video of Ronald Acuna Jr.'s impressive game moment
Maria Laborde shares video of Ronald Acuna Jr.'s impressive game moment (Image source: Getty Images) On May 31, 2025, Maria Laborde, wife of Atlanta Braves outfielder Ronald Acuna Jr., posted a video on her Instagram story. The video showed a strong play by Acuña in a recent game. Maria's post showed how much she supports and admires her husband's work in the field. Maria Laborde celebrates Ronald Acuna Jr. returns to baseball by sharing his performance Ronald Acuna Jr. wife Maria Laborde (Image source: Maria/Instagram) Ronald Acuna Jr. re-entered Major League Baseball on May 23, 2025. Having suffered an ACL injury in May 2024, Acuna was healing. He hit a home run on his first seen pitch in his first game back against the San Diego Padres. This showed he was ready and capable. Moreover, he hit twice in four tries, drove in a run, and threw out a runner at second base. Before his crash, Acuna had a .250 batting average. He had also smacked four home runs and fifteen RBIs throughout the 2024 season. His return excited friends and teammates. He gives the Braves a lot of energy and ability. Also Read: Ronald Acuna Jr. Performs Under Pressure As Wife Maria Laborde Cheers At Phillies Game In Red Braves Gear Maria Laborde's show of support for Ronald Acuna Jr. Maria Laborde's Instagram story with Acuna's game video shows her strong support for her husband's career. By sharing this clip, she celebrated his return to baseball and his good performance. Her post also shows the personal and emotional side of Acuña's journey back to the game. The video got a lot of attention from fans and news sites. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Pare a neuropatia: descubra como NeuroFit Undo This shows how important Acuna's comeback is and how much support he has from his family. Moments like these connect with people. They show that athletes have real lives and close relationships. As the season goes on, Ronald Acuna Jr. and Maria Laborde keep sharing with fans on social media. They talk about their experiences and celebrate big moments. Their posts give a look into what life is like for a pro athlete and how important family support really is.
Time of India
3 days ago
- Business
- Time of India
Telecom revenues set to rise 12–14% this fiscal on tariff hikes
Revenues in the telecom industry are expected to grow steadily in the current fiscal, with analysts expecting a 12-14% growth in operating income at Rs 3.5-3.7 lakh crore on the back of tariff hikes implemented in July 2024. According to a report by ICRA , the tariff hikes translated to a healthy growth in average revenue per user (ARPU), a key performance metric, which though remains the lowest globally. ARPU levels are projected to have increased to Rs 200 in FY2025, from Rs 184 the previous fiscal. Another tariff hike, expected by the end of FY2026, is expected to rally ARPU levels to Rs 220. The ratings firm noted that steady increase in 4G/5G subscribers and traction in data usage led to a rise in industry AGR (adjusted gross revenue) over the last few quarters. Industry AGR improved to around Rs 65,673 crore in the December quarter, translating to 11% growth on-year. However, growth in AGR is primarily being driven by the tariff hikes implemented in 2024. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Pare a neuropatia: descubra como NeuroFit Undo Data subscribers have been growing at a healthy pace on account of the proliferation of cheaper smartphones and availability of content, ICRA said, adding that the penetration of broadband subscribers reached 79% as of December 2024. Cheaper smartphones, coupled with low data tariffs, are driving the demand for data. Further, content availability and increased broadband speed have also helped increase the monthly data usage per subscriber to around 21.52 GB per month, ICRA said. It expects industry profitability to grow by 12-14% in FY2025 to cross Rs 1.6 lakh crore, followed by a 10-12% expansion in FY2026. The brokerage said the industry has upfronted a significant capex for 5G rollouts in FY2024 and FY2025, adding that capex intensity is likely to have peaked, and is expected to subsequently moderate going forward. The industry capex is likely to be around Rs 3 lakh crore over the next 3-4 years. Live Events However, the absence of retail-based use cases for 5G, and expensive customer equipment and low fiberisation levels (estimated to be around 38% of total towers) pose a threat to 5G expansion, ICRA said. This has also constrained ARPU growth to some extent. The total industry debt is estimated to increase to around Rs 6.6 lakh crore as on March 31, 2025, and is expected to see a steady moderation going forward. This increase is partly attributable to the addition of deferred debt obligations, which stem from AGR liabilities and spectrum auctions of FY2022 and FY2023, and recently in FY2025. The industry's debt to operating income ratio is likely to remain at 3.9-4 times with interest coverage at 3.3 times for FY2025. This is expected to improve in the current fiscal.
Time of India
6 days ago
- Entertainment
- Time of India
Hrithik Roshan was the first choice for Abhishek Bachchan's role in Bunty Aur Babli, reveals Shaad Ali: Hrithik pitched the film's ending
Abhishek Bachchan and Rani Mukerji 's hit film Bunty Aur Babli released 20 years ago, but not many know that Hrithik Roshan was originally approached to play the role of Bunty. Director Shaad Ali recently revealed that Hrithik was his 'first choice' for the role, and that the actor even influenced a key plot point in the film. Rakesh Roshan was keen, but Hrithik had 'reservations' In an interview with Bollywood Hungama, Shaad shared that he spent several months discussing the project with Hrithik Roshan and his father, filmmaker Rakesh Roshan. 'We sat for a few months with him. Rakesh ji liked the script a lot and he was keen that Hrithik should sign the film. But Hrithik was not very comfortable going into the small-town zone at that time,' said Shaad, adding that Hrithik had certain 'reservations' about the role of a small-town conman. Hrithik pitched the film's new ending While Hrithik eventually opted out of the project, he contributed significantly behind the scenes. Shaad shared that it was Hrithik who came up with the idea for the film's now-iconic ending. 'It was Hrithik's idea that Bunty and Babli should return to conning in the last scene. He reasoned, 'They are like Superman! They can't go back to their lives and not return ever in the con world.' by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Pare a neuropatia: descubra como NeuroFit Undo In the original idea, the story ended once Bunty and Babli were let off and became law-abiding citizens,' he revealed. 'I should have thanked Hrithik in the credits,' Shaad added. Housefull 5 - Official Trailer Rani was always Babli, and the Bachchans added magic While Abhishek Bachchan eventually came on board, Rani Mukerji was always the first choice for Babli. The film also marked a special milestone in Hindi cinema as it was the first time Amitabh Bachchan and Abhishek shared screen space. It remains the only film where Amitabh, Abhishek, and Aishwarya Rai Bachchan, who would later marry Abhishek, appeared together. Even Jaya Bachchan , though not part of the cast, was thanked in the film's credits. Explaining why, Shaad said, 'That was the time when the Uttar Pradesh Film Board had just been established. Jaya ji and Amar Singh were a part of it. This was the first film which was majorly shot in the state. We didn't get any subsidy but we were assured of complete administrative help.' Check out our list of the latest Hindi , English , Tamil , Telugu , Malayalam , and Kannada movies . Don't miss our picks for the best Hindi movies , best Tamil movies, and best Telugu films .
Time of India
7 days ago
- Entertainment
- Time of India
When Shashi Kapoor, Mumtaz and other Bollywood bigwigs attended Yash Chopra and Pamela's star-studded wedding
Yash Chopra, celebrated for his iconic Bollywood romances, shared a real-life love story with his wife, Pamela. Their arranged marriage blossomed after an unexpected second meeting, leading to a lavish, star-studded wedding in 1970. The wedding video, recently resurfaced, showcases the couple's enduring bond and the presence of Bollywood luminaries, marking the beginning of a four-decade-long partnership. From Rekha-Amitabh to Shah Rukh-Kajol, many iconic Bollywood couples owe their magic to Yash Chopra 's films. But his favorite love story was the one he lived—with his wife Pamela. Married in 1970, a video from their wedding has resurfaced online, stunning viewers with its clarity and cinematic charm. The lavish affair looked like a classic Yash Chopra film, complete with a star-studded guest list. A Real-Life Romance Behind Bollywood's Biggest Love Stories In Yash Chopra's films, love often came with a fair share of heartbreak and hurdles before the grand happy ending. But in real life, the king of romance had a surprisingly simple love story. In an interview with Rediff, Pamela Chopra once revealed that their marriage was arranged by their families. Their first meeting? Awkward and underwhelming. Neither was particularly impressed. But fate clearly had a different script in mind—when Yash Chopra missed his flight back from Delhi, it led to an unexpected second meeting. And this time, something clicked. Reflecting on their much better second meeting, Pamela described a relaxed and joyful atmosphere quite different from their first encounter. Yash Chopra was casually dressed in a lungi and kurta, sitting on the floor and playfully tapping a spoon on a dholki drum while a family friend's sister played along on the dholak, and everyone sang together. Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Pare a neuropatia: descubra como NeuroFit Undo Since both had already decided not to proceed with the wedding, there was no tension or pressure this time. Unexpectedly, Pamela began to see a different, more charming side of Yash, and the feelings soon became mutual. After returning to Mumbai, Yash confidently told his family that it was meant to be. An Unexpected Second Meeting Sparks True Love Yash Chopra and Pamela Chopra married in 1970 in a traditional Punjabi ceremony attended by many Bollywood stars. In their wedding video, Yash is seen wearing a white and cream sherwani, while Pamela stuns in a red saree adorned with sequins and a classic red wedding veil edged with golden zari. Many viewers remarked that Yash Chopra's wedding looked like a scene straight out of a Yash Raj film. The video was shared by Instagram influencer Anushka Sharma , known as 'theiconicarchives,' who expressed amazement at the clear, high-quality footage from 1970. Another netizen noted that Yash Chopra had reportedly used shots from his wedding video in some of his movies, though this claim remains unverified. Yash Chopra and Pamela Chopra's wedding video featured several well-known faces from Bollywood. B.R. Chopra, Yash's elder brother and the creator of the iconic Mahabharat, was seen seated close by. Actor Shashi Kapoor , a frequent collaborator and close friend of Yash Chopra, also made an appearance. Actress Simi Garewal , who is Pamela's cousin, was seen escorting the shy bride to the mandap. Veteran actress Mumtaz , stunning in traditional attire, was also present. Interestingly, there were rumours of a romance between Yash Chopra and Mumtaz prior to his marriage, adding a layer of intrigue to the event. The beautiful love story of Yash Chopra and Pamela Chopra came to a close when the legendary filmmaker passed away at 80 in 2012. Eleven years later, Pamela also departed due to age-related causes. Their marriage, which lasted over four decades, stood strong through the demands and challenges of Yash Chopra's busy career, embodying the timeless vow of 'till death do us part.' Check out our list of the latest Hindi , English , Tamil , Telugu , Malayalam , and Kannada movies . Don't miss our picks for the best Hindi movies , best Tamil movies, and best Telugu films .
