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[ad_1] Lowe's posts bigger-than-expected drop in same-store sales [ad_2] Source link

[ad_1] SRM University has signed a memorandum of understanding (MoU) with Edu Brain Overseas to provide assistance to international interning  aspirants. As a part of the agreement, the programme will include getting application forms from international universities, providing career counselling, preparing documents, and submissions of documents and  getting a visa.  Present in the event were Paramjit S. Jaswal, vice chancellor, SRM University, V Samuel Raj,  registrar, SRM University, Delhi NCR  Sonipat, Mithu Pandey, director (training and  placements), SRM University, and Som Sharma, director, Edu Brain Overseas.  Sharma and Jaswal have claimed that the partnership aims to provide international internship programs and overseas placement opportunities to university students as per the academic calendars.  Edu Brain Overseas provides international internship programs in countries such as Dubai, Singapore, France, Australia and New Zealand and provides consultancy and training to study abroad aspirants.  [ad_2] Source link

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[ad_1] Finland, Sweden submit application to join NATO [ad_2] Source link

[ad_1] Over a month after criticising the functioning of the Gujarat Congress, Patidar leader quit the party on Wednesday, giving a huge blow to the Congress ahead of the Assembly polls. This comes amid a buzz in the state’s political circles of him planning to jump the ship to the BJP. “Today I have gathered the courage to resign from the post of Congress Party and primary membership of the party. I am sure that my decision will be welcomed by all my colleagues and the people of Gujarat. I believe that after this step of mine, I will be able to work really positively for Gujarat in future,” Hardik wrote in his tweet which came along with his resignation letter sent to Congress president Sonia Gandhi. आज मैं हिम्मत करके कांग्रेस पार्टी के पद और पार्टी की प्राथमिक सदस्यता से इस्तीफा देता हूँ। मुझे विश्वास है कि मेरे इस निर्णय का स्वागत मेरा हर साथी और गुजरात की जनता करेगी। मैं मानता हूं कि मेरे इस कदम के बाद मैं भविष्य में गुजरात के लिए सच में सकारात्मक रूप से कार्य कर पाऊँगा। pic.twitter.com/MG32gjrMiY — Hardik Patel (@HardikPatel_) May 18, 2022 Last month, Patel has lashed out at the party’s state unit and the Congress leadership, comparing his position in the party to the feeling of a “groom forced into nasbandi (vasectomy)”. This had come a day after the influential Patidar leader — the then working president of Gujarat Congress — indicated his willingness to contest the upcoming state elections after the Supreme Court stayed his conviction in a 2015 case. In his resignation letter, Patel wrote: “Despite several attempts to steer the Congress in the right direction, the party has constantly been working against the interests of my country and our society.” “The youth of our country wants a strong and capable leader. Over the last 3 years I have found that the Congress party and its leadership both at central and state level have been merely reduced to opposing everything, whereas the people always seek an alternative that thinks of their future and is capable of taking India,” he added.  Pointing out a “lack of seriousness” among senior leadership, Patel also hit out at the party leaders for ‘weakening’ Gujarat Congress and diluting issues of public importance, “all for humongous personal financial gains”. After publicly criticising the functioning of the Gujarat Congress in April, Patel had suggested that his options were “open”. He had also lavishly praised the ruling BJP for its “terrific decision-taking” leadership. However, back then, he had denied any plans to quit the Congress.  In an interview given to Divya Bhaskar newspaper, Patel praised the BJP over decisions such as abrogation of Article 370 in Jammu and Kashmir and building of Ram Temple in Ayodhya, adding that he was also “a proud Hindu”. [ad_2] Source link

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[ad_1] Three takeaways from Tuesday's U.S. primary elections [ad_2] Source link

[ad_1] Share Market News Today | Sensex, Nifty, Share Prices LIVE: Domestic equity benchmarks BSE Sensex and Nifty 50 were looking to start in red on Wednesday, a day before weekly F&O expiry. Nifty futures were ruling 53 points or 0.33 per cent down at 16,216 on Singaporean Exchange. In the previous session, BSE Sensex ended 1344.63 points or 2.5 per cent up at 54,318, while NSE Nifty 50 settled at 16,259. Asian stock markets were trading mixed in early trade. US Federal Reserve Chairman Jerome Powell said he will back interest rate increases till prices begin falling back toward a healthy level. Japan’s Nikkei rose 0.58 per cent, while the Topix index traded 0.64 per cent higher. In overnight trade on Wall Street, the S&P 500 jumped 2.02 per cent while the tech-heavy Nasdaq Composite surged 2.76 per cent. The Dow Jones Industrial Average gained 1.34 per cent. Citing the faster-than-expected interest rate hikes by the Reserve Bank and the mounting inflation worries, Wall Street brokerage Bank of America Securities has slashed its base case Nifty returns target and forecast the index to close the year at 16,000, down from 17,000 projected earlier. [ad_2] Source link

[ad_1] .couch-potato-2021 { margin-bottom: 1em; max-width: 100% } @media (max-width: 991px) { a.menu-button-link { width: 93% } } @media (min-width: 992px) { .couch-potato-2021-links { display: flex; flex-direction: row; flex-wrap: nowrap; justify-content: space-between; align-content: space-around; align-items: flex-start } } a.menu-button-link { display: inline-block; font-size: .8em; background-color: #e5eff6; color: #102f32; font-weight: 700; text-decoration: none !important; margin: .5em; padding: .5em; border-radius: 4px; border: solid 1px rgb(35, 94, 99); max-width: 400px; } a.menu-button-link:hover { color: #e5eff6; background-color: #102f32; } Overview 5 ways to build a portfolio Core portfolios Advanced portfolios <!– Historical performance –> The MoneySense Canadian Couch Potato Portfolio Guide shows the many ways Canadian investors can access a couch potato portfolio. You don’t have to use exchange-traded funds (ETFs) to hold a couch potato portfolio, but ETFs are certainly the most common route to creating a sensible, low-fee, globally diversified portfolio. You’ll also find couch potato basics, plus links to the couch potato portfolio models. Here, though, I will compare the core couch potato portfolios with the advanced couch potato models.  A classic core couch potato portfolio Here’s a core balanced couch potato portfolio. A classic balanced portfolio is typically made up of 60% stocks and 40% bonds. You could decide to increase growth (more stocks) or decrease it (fewer stocks), depending on your time horizon and tolerance for risk.  This traditional couch potato portfolio approach invests in Canadian stocks, U.S. stocks, international developed market stocks and Canadian bonds.  How did it do? Here’s the total return (including dividends and dividend reinvestment) from January 2015 to April 2022. The time period for this evaluation is based on the availability of the actual BMO ETFs.  Source: portfoliovisualizer.com    Source: portfoliovisualizer.com  Here’s the returns for the individual assets for the period.  Source: portfoliovisualizer.com  The BMO Balanced Couch Potato Portfolio has delivered very solid annual returns since 2015. That said, the portfolio has come under stress over the last year, particularly in 2022 as stock and bond markets struggle with inflation and fears of rising interest rates.  And now let’s have a look at the returns for the other balanced models from the MoneySense Canadian Couch Potato Portfolio Guide, including iShares Balanced Couch Potato Portfolio and Vanguard Balanced Couch Potato Portfolio, along with the above BMO Balanced Couch Potato Portfolio.  Source: portfoliovisualizer.com  You can see that the iShares two-ETF model underperforms the BMO four-ETF model for the three–year, five-year and full periods of evaluation. That is largely due to higher fees you would pay for the simplicity of the two-ETF model. Doing an extra bit of work and creating your own four-ETF couch potato model could be in your favour, if you’re comfortable with the additional portfolio rebalancing that would require.  Both iShares and Vanguard offer ETFs with Canadian, U.S. and international stocks and Canadian bonds. You can build the four-ETF model using those ETF providers.  The Vanguard portfolio is the laggard, as the all-world ETF in use offers 10% exposure to emerging markets. Unfortunately, these markets have poor outcomes from the pandemic. Plus, Russia’s invasion of Ukraine and a potential redrawing of the global trade maps put added pressure on the fund’s performance and exacerbated the drops. Investors are surely taking the additional geopolitical risks of developing nations into consideration.  Yves Rebetez, partner at research firm Credo Consulting, suggests that many investors might consider passing onemerging markets (EM) for the time being. He and I DM’d on Twitter:  “Problems arise on democratic and individual freedoms. The composition of EM is a challenge. Saudi Arabia, China, Russia … well you get the gist of that argument which is why I respect the FRDM ETF.  “The environment is rather challenging to say the least … and personally yeah I’d rather, for the moment, miss out on any opportunity to invest in emerging markets.”  I will leave it up to you whether or not you add emerging markets (for example, via a global ETF that includes them) to your couch potato portfolio based on your financial goals and risk tolerance. The advanced couch potato portfolios  Next, let’s look at the performance of the advanced couch potato portfolios at various risk levels. These portfolio models are constructed as all-weather portfolios. They should be ready for changes in the economic environment, including inflation or stagflation.  I should note that the inflation-fighting assets—such as commodities, gold and commodity stocks—may not be necessary if you are in the accumulation stage, meaning you’re building up your portfolio. Over long periods of 15, 20 years or more, stock markets have made a wonderful inflation hedge. In retirement, or as we approach the retirement risk zone, protecting against near-term inflation risks is very important.  Here are the compositions for each portfolio type.  Advanced Conservative Portfolio  Advanced Balanced Portfolio  Advanced Balanced Growth Portfolio  Let’s break down the performance of the advanced portfolios from January 2021 to April 2022. This period takes into account the start date for the ETF assets available. And the start date coincides with the beginning of inflation worries in early 2021.  Admittedly, it’s a complete fluke that I looked at couch potato portfolios with inflation fighters just months before inflation and stagflation reared their ugly heads. Those readers who liked the idea of adding dedicated inflation-fighting assets have been rewarded.  In this chart, we have a look at the advanced portfolio models at the three risk levels.  Source: portfoliovisualizer.com  Source: portfoliovisualizer.com  You can see the balanced growth portfolio paces out front, thanks to its greater allocation to stocks. That portfolio built up a nice lead in 2021. And here are the returns for the portfolio assets for the same period.  Source: portfoliovisualizer.com  See how Canadian stocks led the way on the equity front, as emerging markets (XEC.TO) are at the back of the pack. Emerging markets are under pressure due to inflation and the war in Ukraine. Also, emerging markets can perform poorly when the U.S. dollar runs strong, and it’s nearing the highs of the last 10 years.  The Purpose Diversified Real Asset ETF and real estate investment trusts