@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | Pharma Sector 🟢 (Positive Outlook)
👉🏿 Key Pipeline Projects Indian CDMO's Are Working On, Some Can Be Game-Changers | Jefferies on Pharma Sector

MonePlan Learning Series | Role of Mutual Funds in Long-Term Retirement Planning
Retirement planning requires a long-term perspective, typically 15–30 years or more. The objective is to accumulate a sizeable retirement corpus that can sustain post-retirement living expenses while keeping pace with inflation.

1. Long-Term Capital Appreciation | Equity mutual funds play a crucial role in retirement planning due to their ability to generate superior long-term risk-adjusted returns. Over extended horizons, equities tend to outperform all other asset classes, benefiting from:
a. Corporate earnings growth
b. Economic expansion
c. Market compounding
Through SIPs, investors leverage rupee-cost averaging, reducing the impact of volatility while steadily accumulating wealth.

2. Inflation Hedge | Inflation is the biggest threat to retirement security. Equity-oriented mutual funds, hybrid funds with equity tilt & even index funds historically deliver returns that outpace inflation, ensuring the real value of retirement savings grows over time.

3. Diversification Across Life Stages | Mutual funds allow easy diversification across:
a. Equity funds (growth phase)
b. Hybrid funds (transition phase)
c. Debt funds (preservation phase)
This enables a phased de-risking strategy—gradually shifting from high-growth assets to stable, income-oriented ones as retirement approaches.

4. Tax-Efficient Wealth Creation | Equity mutual funds benefit from favorable long-term capital gains taxation. Over decades, this can significantly enhance the net corpus available at retirement.

5. Post-Retirement Income Management | After retirement, investors can convert accumulated mutual fund units into Systematic Withdrawal Plans (SWPs) to generate a stable, predictable monthly income. SWPs offer:
a. Customizable withdrawal amounts
b. Potential for continued capital growth (if allocated in balanced or debt funds)
c. Greater tax efficiency compared to traditional pension plans

6. Solution-Oriented Retirement Funds | These specialized funds automatically diversify & rebalance portfolios according to age-based investment strategies. They help investors remain aligned with long-term retirement goals without requiring active management.

Conclusion | Mutual funds, with their diversity, liquidity, and professional management, are uniquely equipped to meet both short-term financial needs & long-term retirement objectives.
a. For short-term planning, they offer stability, liquidity & predictable returns through high-quality debt instruments.
b. For long-term retirement planning, they provide the growth potential, inflation protection & disciplined wealth accumulation necessary for a financially secure retirement.

📞 Contact us today for more info or details & Start building your Wealth!
☎️ 7506265365 or 9422082313 | 📧 rajeshnair72@gmail.com
Updates from MonePlan Investory Team

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
🎙 Management Views & Voices | B Thiagarajan of Blue Star Talks
✔️ Festive season saw 35% YoY growth. Strong sales expected as energy label norms take effect from Jan 1, 2026 onwards. AC is the fastest growing category amongst consumer durable, commercial AC market share is close to 30%. Maintaining EBITDA margin guidance of 7-7.5% in the UCP segment. Optimistic about long-term growth prospects for RAC says B Thiagarajan @ Blue Star.

Not sure about markets? |What if there's a way to diversify your investment across asset classes?

Look no further | Nippon India Multi Asset Allocation Fund | Be where the growth is_

What they Offer
An open ended fund investing in Equity, Debt & Commodities. We follow a framework of
✏️ India Equity - 50%
✏️ International Equity - 20%
✏️ Debt - 15%
✏️ Commodities - 15%

Their Investment Strategy
🖍 India Equity - Multi Cap strategy investing predominantly in Large Cap, along with Mid & Small Caps.
🖍International Equity - Investment in MSCI World Index which tracks 23 developed markets.
🖍 Commodities - Investment is predominantly into Gold & Silver ETF's.
🖍 Debt - Moderate duration profile (1.5-2.5 years) with a focus on high quality papers.

Asset Allocation as of October 2025
India Equity - 55.34% | International Equity - 7.75%
MSCI World Index
Debt - 14.92% | 92% AAA/SOV/A1+
Commodities - 14.00% | Gold - 11% | Silver - 3%
Cash - 4.71%

Performance as of 28 Nov 2025
6 months - 11.28%
1 year - 17.35%
2 years - 21.72%
3 years - 19.92%
5 years - 17.45%

Investment Details
- Fund Managers - Sushil Budhia/ Ashutosh Bhargava / Vikram Dhawan/ Kinjal Desai
- AUM - ₹ 8,722.27 Cr
- Minimum Investment ₹ 5000
- Exit load: 10% units can be redeemed load free before 12 months from DOA (date of allotment).
- 1% if redeemed or switched out before 12 months from DOA. Nil thereafter.
- Taxation - STCG before 2 years from DOA as per slab rate. LTCG 12.5% after 2 years from DOA.

Data from Nippon India Mutual Fund

📞 Contact us today for more info or details & Start building your Wealth!
☎️ 7506265365 or 9422082313 | 📧 rajeshnair72@gmail.com
Updates from MonePlan Investory Team

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Stocks in Focus & News | These 3 Stocks Broke Their 10-Year Winning Streak In 2025 — What Went Wrong?
▪️Three long-term market outperformers Cantabil Retail India, Elantas Beck India & Trent snapped their decade-long gaining streak in 2025, breaking a consistent trend of yearly advances.
▪️Despite a strong 10-year run marked by sharp jumps in several years, all three stocks are looking likely to close 2025 in the red.
▪️Cantabil fell 14%, Elantas Beck declined 24% & Trent plunged 40%, a sharp reversal from their exceptional performances in years like 2019, 2021 & even as recently as 2024.

1. Trent | Trent’s stock performance has been the most dramatic. Since its entry into the Nifty 50 in September 2024, the stock has dropped 46%.
▪️This coincides with a visible slowdown in its growth trajectory. Revenue growth has cooled from 50% to 20% over the last four quarters &September quarter revenue growth came in at 17%, below the company’s guidance of 20–25%.
▪️The softening trend is also evident in its operational metrics.
▪️Sales per square foot per month have eased from ₹ 1,489 in Q3 last fiscal to ₹ 1,187 in the last quarter.
▪️Foreign investors have also steadily pared their holdings.
▪️FII ownership, which stood at 24.43% in March 2023, declined to 19.65% by March 2025, further dropped to 18.39% in June 2025 & reached 16.81% in September 2025.
▪️Even so, Trent retains several long-term positives. Its loyalty programme, Weststyle Club, has exceeded 19 million members after adding 2.6 million members, and an estimated 80% of Westside’s revenue comes from these loyalty customers.
▪️The pace of store additions across both Westside & Zudio remains healthy & Trent is also strengthening its youth-focused brand, Burnt Toast.

2. Elantas Beck India | Elantas Beck India, part of the German-based ALTANA Group, operates in specialised chemical segments, primarily electrical insulation systems & engineering materials.
▪️These are categories in which the company has historically held a 35–40% market share, supported by access to Global technology & high barriers to entry.
▪️Over the past decade, Elantas Beck has delivered steady growth.
▪️Revenue rose from ₹ 304 Crore in FY13 to ₹ 383 Crore in FY17, ₹ 522 Crore in FY21 & ₹ 749 Crore in FY24.
▪️Operating margins fluctuated between 13% & 20% over this period, while profits increased from ₹ 32 Crore in FY13 to ₹ 55 Crore in FY17, ₹ 67 Crore in FY21 & ₹ 140 Crore in FY24.
▪️Despite this consistent financial performance & strong parentage, the stock still declined 24% in 2025, breaking its long winning streak.

3. Cantabil | Cantabil has expanded rapidly over the past decade, with revenue rising from ₹ 100 Crore in FY14 to ₹ 721 Crore in FY25.
▪️Operating margins, which stood at a loss ten years ago, improved to settle at 28% in FY25.
▪️In the last quarter, the company added 25 new stores, supporting volume growth of 10.28%.
▪️Same-store sales growth for the quarter stood at 2.7%.
▪️Notably, 75% of its stores operate under the company-owned, company-operated model.
▪️Looking ahead to FY27, Cantabil plans to expand its store network from 605 to 725 outlets while maintaining EBITDA margins of 28–30%.
▪️The company is also tracking the women’s category closely, which currently contributes 11% of Revenue.

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
"Financial Morning Thought to Start the Fresh New Trading Day"

S𝗺𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗦𝘁𝗮𝗿𝘁𝘀 𝗡𝗼𝘄 – 𝗢𝗽𝗲𝗻 𝗬𝗼𝘂𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗔/𝗰 𝗧𝗼𝗱𝗮𝘆!
Dear All | Stock markets are moving up & showing signs of recovery—this is the perfect time to start your trading account & invest at lower valuations for long-term gains.

Don’t miss this opportunity to position yourself ahead of the uptrend. Let’s get started today!

Contact us now to open your account & make the most of the market recovery.

Best Regards,
𝗥𝗮𝗷𝗲𝘀𝗵 𝗡𝗮𝗶𝗿 @ 𝗠𝗼𝗻𝗲𝗣𝗹𝗮𝗻 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘆
𝗠𝗼𝗯. 𝟳𝟱𝟬𝟲𝟮𝟲𝟱𝟯𝟲𝟱 | 𝗘𝗠𝗮𝗶𝗹 𝗿𝗮𝗷𝗲𝘀𝗵𝗻𝗮𝗶𝗿𝟳𝟮@𝗴𝗺𝗮𝗶𝗹.𝗰𝗼𝗺

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
GIFT Nifty Morning Opening Updates | GIFT Nifty lower, trading at a discount of nearly 50 points from Nifty Futures Wednesday's close, indicates a start in the red for the Indian market.

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
FII's Vs DII's Daily Activity Track for 3rd December 2025 | In Equities, FNO & Futures Segment
✔️ Foreign Investors (FII's/FPI's) Net Sold ₹ 3,207 Crore worth of Indian equities on Wednesday. At the same time, Domestic Institutional Investors (DII's) Net Bought shares worth ₹ 4,730 Crore, according to provisional exchange data.

✔️ DII's purchased shares worth ₹ 17,188 Crore & sold shares worth ₹ 12,458 Crore. In contrast, FII's bought shares worth ₹ 11,135 Crore but sold shares totalling ₹ 14,312 Crore.
✔️ For the year so far, FII's have been net sellers of shares worth ₹ 2.66 Lakh Crore, while DII's have net bought shares worth ₹ 7.17 Lakh Crore.

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
US Markets Closing Updates | 🔰 Mixed Signals from Global Markets
🇺🇸 US Markets rise for a second day
🇺🇸 US markets rise as rate cuts are expected, with Dow gaining 408 points & Nasdaq rising 40 points.
🇺🇸 Private sector jobs decline in November
🇺🇸 Expectations of interest rate cuts rise

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Asian Markets Morning Opening Updates | Asian markets trade Mixed in Morning Trade.
▪️Asia-Pacific markets were mixed Thursday, after Wall Street gained on the latest jobs data that raised hopes the Federal Reserve could cut interest rates next week.
▪️Payroll processor ADP reported that private companies cut 32,000 workers in November, compared with 47,000 additions in October & well below the 40,000 increase expected by economists polled by Dow Jones.
▪️Markets are pricing in an 89% chance of a cut when the Federal Reserve meets on Dec. 9-10, significantly higher than rate-cut bets just a couple of weeks ago, according to the CME FedWatch tool.
▪️In Asia, Japan’s benchmark Nikkei 225 Index added 1.29% & the Topix Index advanced 1.32%.
▪️Among the top movers on the Nikkei was Renesas Electronics, which jumped more than 6%, after California-based semiconductor company SiTime Corp was reportedly in talks to acquire the Japanese chipmaker’s timing unit. A deal could value the timing business at up to $2 billion, including debt, Bloomberg said, citing people familiar with the matter.
▪️South Korea’s Kospi index fell 0.82%, while the Small-cap Kosdaq declined 0.36%.
▪️Australia’s ASX/S&P 200 was flat.
▪️Hong Kong’s Hang Seng Index retreated 0.11% at the open & the CSI 300 added 0.23%.

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
U.S. Markets Closing Updates | Dow closes 400 points higher as ADP jobs data strengthens Fed rate cut hopes
🇺🇸 Stocks closed higher on Wednesday as the latest jobs data from ADP strengthened investors’ conviction that the Federal Reserve will cut interest rates next week.
🇺🇸 The Dow Jones Industrial Average gained 408.44 points, or 0.86%, to finish at 47,882.90.
🇺🇸 The S&P 500 traded up 0.30% to end the day at 6,849.72, while the Nasdaq Composite
added 0.17% to settle at 23,454.09.

🇺🇸 Payrolls processor ADP reported that private payrolls surprisingly declined by 32,000 in November. Economists polled by Dow Jones had expected an increase of 40,000 for the month. Despite the tough reading, traders were likely betting that the private job losses will lead the Fed to slash rates at its last meeting of the year on Dec 10th.
🇺🇸 Markets are pricing in an 89% chance of a cut next Wednesday, which is much higher than the odds from mid-November, according to the CME FedWatch tool. Investors anticipate that a lower rate environment will spur loan growth & give a jolt to the U.S. economy, leading shares of key financial stocks like Wells Fargo & American Express higher Wednesday.
🇺🇸 To be sure, Wednesday saw some evidence of a stable economy, as the latest U.S. services data came in slightly better than expected.
🇺🇸 Microsoft shares were a sore spot during the trading day, falling 2.5% after The Information reported it was cutting software sales quotas tied to artificial intelligence. The stock came off its lows of the day after the company denied that they had lowered sales quotas for salespeople.

🇺🇸 Small caps outperform | Small-cap stocks outpaced the three leading U.S. indexes on Wednesday.
🇺🇸 As of midday trading, the Russell 2000 Index was up 1.3%. By comparison, the blue-chip Dow Jones Industrial Average climbed 348 points, or 0.7%, while the broad-based S&P 500 & the tech-heavy Nasdaq Composite were higher by 0.3% and 0.1%, resp.

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Indian Indices Closing Updates for 3rd December 2025 |Sensex, Nifty close in the red again as rupee sinks to new low of ₹ 90
▪️Indian Equity indices ended on a flat note in a volatile trade on December 3.
▪️At close, Sensex was down 31.46 points or 0.04% at 85,106.81 & Nifty was down 46.20 points or 0.18% at 25,986.00.
▪️BSE Midcap index shed 1% & Smallcap index declined 0.4%.
▪️On the sectoral front, IT, media, private bank, Telecom rose 0.2-0.6 percent, while PSU Bank shed 3% & oil & gas, metal, power, PSU, capital goods, consumer durables down 0.5-1.5%.
▪️Max Healthcare, Shriram Finance, Bharat Electronics, Interglobe Aviation, Tata Consumer were among major losers on the Nifty, while gainers were Wipro, Hindalco Industries, TCS, Axis Bank & ICICI Bank.
▪️The Indian Rupee is trading at lowest level against the US Dollar even though the economy grew strongly at 8.2% last quarter.

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@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Stocks To Watch in Trade Today | Keep an eye on these stocks as they set the market abuzz.📊

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Stocks To Watch in Trade Today | Keep an eye on these stocks as they set the market abuzz.📊

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
Morning News & Cues to Track before Market Opening Today
▶️ Salesforce beats on earnings, issues better-than-expected rev forecast, stk up nearly 2%
▶️ OpenAI to acquire Neptune, a startup that helps with AI model training
▶️ Trump proposes slashing fuel efficiency standards for passenger cars