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Investing In Pharma Funds Women’s Health Plans SubScriber copy not for reSale NOVEMBER 2020, ` 50 outlookmoney.com BEST TIME TO BUY YOUR NEW HOME? Ready-to-move-in houses are available at low prices, steep discounts and easy instalments Charge On Digital Transactions? Standard Mediclaim Startup Revival 8 904150 800027 1 1 Contents NOVEMBER 2020 VOLUME 19 ISSUE 11 pg 12 30 On The Path To Recovery Nightmare for startups are over as the ecosystem is limping back to normalcy 32 COVID Fails To Dampen Startup Funding BUYING EdTech and venture capitalists infuse fresh capital during the pandemic HOMES IN 36 Costly Covers, Better Care Health insurance turns friendlier, but premiums will TROUBLED rise over the next three years TIMES 44 MSMEs Struggle To Stay Alive The distress of India’s backbone could lead to serious job losses and unit closures A silver lining appears for the troubled 48 Divide On Digital Transaction real estate sector Debate over banks and fintechs levying fees on digital with falling prices payments intensifies and interest rates, plentiful supply, and 50 Protection Quotient lucrative offers Women should look for policies that cover their special needs and offer financial protection 52 New Darling Of Fund Managers It is the right time to invest in equity pharma funds 56 An Opportune Moment To Invest In Pharma Stocks Regulars Interview: Sailesh Raj Bhan on how a long term 4 Talk Back 8 Queries 10 News Roll 60 Stock Picks approach for systematic investment plan is a good 62 Morningstar 64 My Plan way to invest in pharma funds Columns 66 Don’t Put All Your Eggs In One Basket Vijay L Bhambwani, Saraswathi Kasturirangan & Pruthvi KS Actress Ritabhari Chakraborty’s take on investments Cover Design: PRAVEEN KUMAR .G HEAD OFFICE AB-10, S.J. Enclave, New Delhi 110 029; Tel: (011) 71280400, Fax: (011) 26191420 OTHER OFFICE Mumbai: (022) 50990990 Printed and published by Vinayak Aggarwal on behalf of Outlook Publishing (India) Pvt. Ltd. Editor: Debjoy Sengupta. Printed at Kalajyothi Process Pvt. Ltd. Sy.No.185, Sai Pruthvi Enclave, Kondapur – 500 084, R.R.Dist. Telangana and published from AB-10 Safdarjung Enclave, New Delhi 110029 For Subscription queries, please call: 011-71280462, 71280400 or email: [email protected] Published for the month of November 2020; Release on 1 November 2020. Total no. of pages 68 Outlook Money does not accept responsibility for any investment decision taken by readers on the basis of information provided herein. The objective is to keep readers better informed and help them decide for themselves. www.outlookmoney.com November 2020 Outlook Money 3 Talk Back Should You Give In To The Lure Of Discounts? 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Secondly, it Leela was great to read all the advice on DESIGNER investments any employer must Rohit Kumar Rai consider before arriving at their tax TECH TEAM Raman Awasthi liability and tax-deductible every Suraj Wadhwa Keep Your Furry Friends Safe month. Surely, it is time for salaried employees to plan carefully and Business Office I grew up in a family where we have CHIEF EXECUTIVE OFFICER optimise tax outgo. Indranil Roy always enjoyed the company of pet dogs Shreyashi Iyer, Chennai VICE PRESIDENT and cats. They have been an integral Tushar Kanti Gosh part of our lives and our children love Betting Culture & IPL Circulation & Subscriptions spending time with them. When I came Gagan Kohli, Kapil Dhal (North) across this article, I was overwhelmed to What an amazing time to discuss G Ramesh (South) Arun Kumar Jha (East) know that our country’s pet population this topic. Informative, especially Manoj Kamble (West) has grown to 10 million. 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Diwan Singh Bisht Devlina Hegde, Bangalore Aashi Sharma, Mumbai COMPANY SECRETARY & LAW OFFICER Ankit Mangal Letters must be addressed to: The Editor, Outlook Money, AB-10, Safdarjung Enclave, New Delhi 110029, or [email protected]. Please mention your full name and residential address. 4 Outlook Money November 2020 www.outlookmoney.com Give your investments the glitter it deserves. Presenting HDFC Multi-Asset Fund. HDFC Multi-Asset Fund invests in a diverse portfolio of equity, debt and gold related instruments. With this fund, you could not only aim to get the growth of equity and stability of debt, but also the benefits of gold to hedge against market uncertainties and inflation. So add some glitter to your portfolio and invest in HDFC Multi-Asset Fund. 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Since nobody in my family has participated in the freelance economy, I was unsure if it would be a good decision. Added to that, I also did not have any precise data to give me a clear picture of demand in the market. Thanks to Outlook Money for coming up with this story cemented with reliable data about the job market. Nidhi Pandey, New Delhi Senior Living In Post Insure With A Two-In- COVID World One Plan Sunil Malhotra’s story and his decision Joint term insurance offers the to invest in senior care have helped opportunity to cover oneself and a thousands of others like him wake up, spouse under one contract, and I was Overcome Stress In get rid of the dilemma and take the aware of its benefits. I liked this story Uncertain Times set. The pandemic has changed our because it has minutely described the way of living. As independent seniors cover and various options available As the dark shadow of pandemic are becoming the new demography in various cases. Also, thanks for engulfs the globe with each passing in India due to changing realities, emphasising on the drawbacks. day, millions are drowning in serious they must be encouraged to live a Gurpreet Singh, Delhi depression and anxiety. The column wholesome life and not limit their by Swami Mukandananda on how to happiness. But, at the same time, fight this war with empowering minds they must go through all the options is truly the need of the hour. Problems available and not sign up for a less than are inevitable, but we need to train satisfactory facility in a hurry. I believe ourselves accordingly when we are on the article does complete justice a battlefield, and it starts with such regarding facts and offers excellent proven practices. suggestions on choosing a trusted Saraswati Das, Kolkata developer operator. Sumitra Chatterjee, Kolkata Insurance Goes Paperless Do Not Get Affected By The galloping infection has entirely Market Noise changed the business dynamics, with a strong infiltration of the new-age I have been following every article technology. However, as the story of My Plan on Outlook Money for has mentioned, I am excited to see the past couple of months, and I feel how things turn out for the insurance that the series of enriched investment industry as there will be less physical experiences that you highlight is interactions between insurance agents commendable.