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[ad_1] Bankers to Future Group are anxious that the resolution of the group’s retail entities could end with steep haircuts for them even as they have referred the group’s flagship for insolvency proceedings. There is a view among senior bankers that instead of yielding a clear-cut takeover of the group’s assets by Reliance Retail for Rs 24,713 crore, as was envisaged over the last two years, the resolution could go the way of Alok Industries. Appearing in the first list of bad loans drawn up by the Reserve Bank of India (RBI) for resolution under the Insolvency and Bankruptcy Code (IBC), Alok Industries was eventually taken over by a consortium of JM Financial Asset Reconstruction Company (ARC) and Reliance Industries in 2018 for Rs 5,050 crore. Lenders took an 83% haircut on their dues worth Rs 29,500 crore. “All court-monitored processes – be it DRT (debt recovery tribunals) or IBC – are long-drawn processes. You don’t know what you’ll end up with after all that time. So, bankers are now worried and praying that the Future assets don’t end up the way Alok Industries did,” a senior banker said. Lenders are also in a spot after Reliance Retail surprised them in February this year, taking over 947 Future Group stores. They are wary of a renegotiation of the takeover terms, under the circumstances. There had initially been speculation that banks may move the DRT to recover their dues from Future Group as they had issued notices warning of clawbacks to secure their assets. Bankers later characterised that action as more of a knee-jerk reaction. ”The NCLT, despite its flaws, is seen as a more closely-monitored option and that’s the main reason we have opted for it,” another banker said.Future Retail’s loans had been restructured under the resolution framework for Covid-related stress proposed by the Kamath committee in 2020. Throughout the 19-month period when the company’s loans remained under moratorium, bankers had been hopeful that Reliance Retail would take over Future Group’s wholesale, retail and logistics businesses for Rs 24,713 crore under a deal thrashed out in August 2020 and clear its dues to banks. Trouble emerged when Amazon objected to the deal and triggered a legal battle that is still ongoing. Future Retail first defaulted on dues worth Rs 3,494.56 crore in December 2021 and then failed to cure the default during the next one month, as required under the terms of restructuring. It again defaulted on repayments worth `5,322 crore scheduled for March 31, 2022. The company has already slipped in January and the 40% provisions taken against that account will show in banks’ Q4FY22 financial results. [ad_2] Source link

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[ad_1] A person may have done proper financial planning and is investing accordingly to achieve all the financial goals. But along with investments, it’s equally important to have proper documentation and to ensure ready availability of the investment instruments at the time of need. Otherwise, all the planning may not only go haywire in case of the unfortunate death of the investor, but also may deprive the dependents of the timely benefits due to lack of knowledge about the investments. To ensure that the investor and/or his her nominee(s), financial dependents or legal heirs get the benefits of investments at the time of need, one should avoid the following mistakes: Not sharing investment details As life is uncertain, it’s important for an investor to disclose the location – where the financial instruments are kept – to the financial dependents. This is because, after the sudden demise of the breadwinner, the first difficulty faced by the dependents is to determine how much investments (and even liabilities) are there and to locate the documents to claim the benefits and repay the liabilities. Under Covid shadow, don’t keep your finances a secret; Here is why Along with the financial documents, disclosing details of all the investments, their location and password to access the digitised instruments is also equally important. To make things easier, note down all the investments, assets and liabilities. In case of physical investments, write down the location of the investment documents and in case of digital investments, write down the user ID and password and how to access the documents. Provide the copies of the list to the financial dependents and to at least one responsible person, whom you trust. No, or improper nomination Nomination is important to ensure that the financially dependents get the investment benefits timely without running pillar to post to get the cumbersome paperworks done. In some cases, the beneficiaries may not get any benefit or may get a part of benefits in the absence of nomination or improper nomination even after having the required documents. So, investors need to ensure that they don’t forget to nominate – be in bank accounts, fixed deposits, NSC, bank lockers, demat accounts, insurance (life, vehicle and/or property), PF Pension Forms or any other investments. Many individuals start investing before their marriage and nominate their parents, but forget to change the nomination after marriage or after the death of parents. In such cases also, the financial dependents may face hurdles in getting the benefits. How to digitally share information of your financial assets, investments securely So, along with nomination, updating nominee details, as and when required, is also important. To make the things even easier and to avoid the possibility of any legal tussle, it’s better to make a will and get it registered. Not taking insurance on loan Apart from taking insurance covers on life, health, vehicle, property etc., it’s also important to take insurance on loan to ensure that the remaining EMIs are taken care of in case of demise of the breadwinner. Many people try to avoid the insurance on loan to reduce the amount of equated monthly installment (EMI), forgetting that the life is uncertain and the financially dependent may even hand over the property in case they fail to repay the loan in the absence of the insurance. So, it’s always better to take insurance on loan than avoiding it to reduce the EMI. [ad_2] Source link

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[ad_1] Every year on April 22, the global Earth Day campaign brings attention to environmental issues and issues a call to action. This year’s theme is especially relevant to us: Invest In Our Planet. This year’s Earth Day focuses on combatting the existential threat of climate change in a tangible way: by shifting away from a fossil fuel economy and toward a green, carbon-neutral one. EarthDay.org, the global organizer of Earth Day, calls for individuals, governments, businesses and institutions to “recognize our collective responsibility and to help accelerate the transition to an equitable, prosperous green economy for all.” So, how does that translate to your investments? Let’s break it down. What is sustainable investing? Sustainable investing takes into consideration a company’s practices for environmental, social and corporate governance (ESG) and how they could affect long-term performance and investment returns. Many Canadian investors are including ESG issues in their investment analysis and decision-making. Responding to an Ipsos poll conducted for SunLife Financial in August 2021, two-thirds of Canadians said that ESG factors play a “somewhat important” or “very important” role in deciding which investments they’ll buy. A survey conducted by the Responsible Investment Association in September 2021 found that 73% of Canadian investors were interested in responsible investing, and 77% said they wanted their financial services provider to inform them about responsible investments that are aligned with their values. In addition to sustainable investing, investors also use these terms: responsible investing (RI), socially responsible investing (SRI), ethical investing, green investing and impact investing. What ESG factors do investors consider? Below are many of the non-financial issues that investors and other company stakeholders look at to assess ESG performance: Environmental: Carbon emissions, air and water pollution, energy efficiency, water usage, waste management, deforestation, commitment to biodiversity, sustainability of supply chains   Social: Gender and diversity, labour standards, human rights, customer service, community relations, data protection and privacy, employee engagement, occupational health and safety Governance: Board management practices; board diversity; regulatory compliance; executive compensation; succession planning; diversity, equity and inclusion; bribery and corruption; lobbying; political contributions Learn more about responsible investing If you’re curious about aligning your investments with your values, don’t miss these helpful reads: Why sustainable investing is importantAn investment advisor explains key details about sustainable investing, its different approaches (impact investing, purpose-driven investing, divestment, etc.) and how to get started. The cost of socially responsible investingWhat options are available to Canadians who want to start investing responsibly? MoneySense columnist Jason Heath explores products, performance and fees. Two simple and cheap portfolios for sustainability-minded investorsWriter Tim Nash shares two model portfolios—using Vanguard and iShares exchange-traded funds (ETFs)—that incorporate both financial strategy and social/environmental good. Halal investing in CanadaCanadian Muslims have unique investment needs. Jason Heath shares options that are compatible with Shariah law, including Halal mutual funds. Invest your conscienceSocially responsible investing has come a long way in Canada. This 2017 article looks at Canadian attitudes toward SRI and how to research potential investments. Is ethical investing good for your portfolio?Portfolio manager John de Goey shares his thoughts on ethical investing and investment returns. More ways to celebrate Earth Day On April 22, you can join other concerned citizens to support the planet, whether you pitch in at a local cleanup, take environmental actions at home or attend a virtual Earth Day event. The first Earth Day was observed in 1970 in the United States, marking the beginning of the modern environmental movement. In 1990, Earth Day went global, mobilizing millions of people to take action for the planet; that year also marked the founding of Earth Day Canada. Now, more than 50 years after the inaugural campaign, Earth Day engages one billion people each year in environmental efforts large and small. As the devastating effects of climate change become increasingly clear around the world and right here at home, Earth Day’s message has never been more urgent. To find Earth Day events near you, visit the global campaign’s official website or Earth Day Canada. The post Earth Day 2022: It’s time to invest in our planet appeared first on MoneySense. [ad_2] Source link

[ad_1] The post How to Read Stock Charts appeared first on Millennial Money. As a beginning investor, one of the most important things you can do is to learn how to read stock charts. These charts act like a road map for investors, exposing past performance and current trends about how companies are performing and whether a stock’s price makes it an attractive buying option. Keep reading this primer on how to read stock charts to learn the basics of charting and other technical indicators to keep in mind as you continue your journey to financial independence.  What Are Stock Charts? A stock chart is a visual indicator that provides a variety of data about a stock or fund, including its price plotted over a specific period of time.  Stock charts are used to conduct technical analysis on investments. Investors can use charts for individual stocks, exchange-traded funds (ETFs), mutual funds, index funds, and other securities. By analyzing a chart’s trend line, trading volume, volatility, and the number of shares outstanding, you can understand how a particular investment is performing over time and determine its support level, enabling you to make an informed decision about whether a certain security is right for you.  Why Investors Read Stock Charts  Why do investors read stock charts throughout the day? Let’s take a look. Make Informed Decisions Stock charts provide a variety of data points to help make a quantitative decision about a company’s overall performance. Of course, it’s always a good idea to conduct further research and take qualitative factors into consideration too before investing — like a company’s leadership structure, product offerings, and corporate social responsibility initiatives.  A stock chart can serve as a quick indicator as to whether a company is worth a closer look.  Time the Market  In addition to understanding a company’s financial performance, it’s also necessary to make timely decisions. Reading stock charts can help you visualize how a stock is performing on an intraday basis, giving you the insight you need to buy shares at a lower price before the stock increases in value.  Keep in mind that timing the market is a tall order. While stock charts can help you make informed decisions, they won’t turn you into an oracle.  Avoid Getting Manipulated There is a lot of misinformation circulating about stocks online. The only way to avoid being manipulated is to look closely at data and make decisions based on that information. Learn More: Stock Market for Beginners: An Overview 5 Stocks for an Uncertain Future I’m Lazy and Beat The Stock Market How to Read Stock Charts Now that you have a basic understanding as to why you should use stock charts, let’s take a closer look at the basic elements of them.  Chart Period Charts can be broken down into different time periods. For example, you may want to view how a stock has performed over the last five years, or you might be more interested in how it’s performed over the last week. Stock Symbol  A stock chart contains the official symbol of the stock and the exchange that it’s traded on. The stock symbol is very important to get right when you go to make a trade using a brokerage. There’s a big difference between buying APL, AAP, and AAPL, for example. Often, companies have multiple stock offerings with similar symbols, which can make things confusing for new investors.  Open The open price is the price of a stock at the start of the trading day when the market opens at 9:30 a.m. Eastern Time. For example, a stock may start the day trading at $36 per share, and the price of the stock will fluctuate throughout the trading day. Close This indicates the stock’s overall price at the end of the trading day. The stock market typically closes at 4 p.m. Eastern Time except during half-day sessions, which are typically on days preceding holidays. High  The high price indicates the stock’s highest trading price during the chart’s forecast period.  Low The low is the stock’s lowest trading price during the forecasted period. Previous Close The previous close figure indicates the stock’s close price from the previous closing day. This is useful for running a quick day-to-day performance comparison. 52 Week High This indicates the stock’s highest trading price over the previous 52-week period. 52 Week Low The 52-week low is the lowest trading price over that period of time. The high and low numbers can help you determine whether a particular stock makes sense to buy based on its performance over the last year. Dividend Yield The dividend yield is a ratio that indicates how much a company pays in dividends annually relative to its stock price.  Market Capitalization Market cap indicates the total value of all a company’s shares of stock.  Price-to-Earnings Ratio (P/E Ratio) The P/E ratio is the ratio for determining the market value of a stock compared to the company’s earnings.  Types of Charts As you start getting into charting, here are the most common charts you’ll likely come across.  Bar Chart Bar charts contain high, low, opening price and closing price for specific intervals, which are determined by the trader. Intervals can be related to a period of time or another indicator like the number of transactions (e.g., you might be curious about high volume days). A bar chart that shows transactions is called a tick chart.  Often, bar charts show whether a price is moving up or down. Traders who make decisions based on price bars are referred to as price action traders.  Candlestick Chart A candlestick chart is a price chart that’s also used to indicate high, low, open, and closing prices for a certain time period. The chart uses colors to show how the stock’s price is moving. It’s commonly deployed to visualize the short-term price movement of a particular security.  In a candlestick chart, the highest wick shows the highest price for that period while the lowest wick shows

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