Money lesson for 2025: Keep faith in basics
Hindustan Times Jammu|January 04, 2025
There is little reason to panic: Stay diversified between debt and equity, instead of chasing high-risk instruments or treating the stock markets a gambling den
Monika Halan

If you were to read the news reports about your own earning, spending and saving patterns, you would think that you are earning less due to stagnant wages, spending less due to inflation, and saving less due to repayment of loans. And this is contributing to a slowing economy and therefore, the cue is to exit markets and stay safe. After the stock market boom of the last four years, you are being told to get out of equity. The real story of your money is a bit more nuanced and needs to be understood in the context of your spending and investing decisions and their impact on the economy. Understanding this context is important for your money decisions in 2025 and beyond.

News reports tell us that we are both consuming and saving less. Let's look at consumption first. What data actually tells us is that the rate of growth of consumption has slowed, and not absolute consumption. In absolute numbers, India's household private consumption expenditure in 2023, according to World Bank data, was $2.25 trillion up from $2.04 trillion in the previous year. However, the rate of growth has dropped from 5.9% to 5.35% over this time. But compare the share of household spends to Gross Domestic Product (GDP) across a decade and you see growth in its share—from just under 58% in 2013 to over 60% in 2023—and this is on an expanding GDP number.

Diese Geschichte stammt aus der January 04, 2025-Ausgabe von Hindustan Times Jammu.

Starten Sie Ihre 7-tägige kostenlose Testversion von Magzter GOLD, um auf Tausende kuratierte Premium-Storys sowie über 8.000 Zeitschriften und Zeitungen zuzugreifen.

Diese Geschichte stammt aus der January 04, 2025-Ausgabe von Hindustan Times Jammu.

Starten Sie Ihre 7-tägige kostenlose Testversion von Magzter GOLD, um auf Tausende kuratierte Premium-Storys sowie über 8.000 Zeitschriften und Zeitungen zuzugreifen.

WEITERE ARTIKEL AUS HINDUSTAN TIMES JAMMUAlle anzeigen
Hindustan Times Jammu

No deadline for panel examining quota system

CM Omar Abdullah said the panel has been given 6 months to file the report

time-read
4 Minuten  |
March 16, 2025
Hindustan Times Jammu

BLA Killed '214 Hostages' Due to 'Pakistan's Stubbornness'

Jeeyand Baloch, spokesperson for the Baloch Liberation Army, a Baloch rebel organisation, said in a statement that despite an ultimatum given to the Pakistani forces, they did not heed to it, resulting in the death of 214 hostages.

time-read
2 Minuten  |
March 16, 2025
Hindustan Times Jammu

Mumbai to push for precast buildings to curb pollution: Munde

To contain rising air pollution levels in Mumbai, the state government plans to encourage the use of precast components in construction.

time-read
2 Minuten  |
March 16, 2025
Hindustan Times Jammu

Guterres, Yunus discuss domestic issues and Rohingya repatriation

UN Secretary-General Antonio Guterres has discussed with Bangladesh's Chief Adviser Muhammad Yunus the country's domestic issues and the Rohingya situation and expressed solidarity with Dhaka's reform and transition process.

time-read
1 min  |
March 16, 2025
Hindustan Times Jammu

2 Missing Minors Found in Kathua, Reunited With Families

The Jammu and Kashmir Police on Saturday traced two minors, aged 15 and 12, who have been reported missing from Rajbagh area of the district, said officials.

time-read
1 min  |
March 16, 2025
Hindustan Times Jammu

Ukraine's Allies Agree to Step Up Economic Pressure on Russia

\"If Putin is serious about peace, it's very simple: he has to stop his barbaric attacks on Ukraine and agree to a ceasefire,\" Starmer said earlier

time-read
2 Minuten  |
March 16, 2025
Hindustan Times Jammu

SpaceX launches new crew to space station

The replacements for NASA's two stuck astronauts—Butch Wilmore and Suni Williams—launched to the International Space Station on Friday night, paving the way for the pair's return after nine long months.

time-read
1 min  |
March 16, 2025
Hindustan Times Jammu

Slot's Liverpool target first trophy in final vs Newcastle

Liverpool can win the first trophy of the Arne Slot era in Sunday's League Cup final against a Newcastle side desperate to end the club's 56-year wait for major silverware.

time-read
2 Minuten  |
March 16, 2025
Hindustan Times Jammu

BJP MLAs Demand Rehabilitation of 39 Affected Satwari Shopkeepers

The Bharatiya Janata Party (BJP) on Saturday raised the issue of 39 shopkeepers of Satwari area in legislative assembly here and sought their proper rehabilitation before dismantling their shops for the construction of a flyover from Kunjwani to Satwari area.

time-read
2 Minuten  |
March 16, 2025
Hindustan Times Jammu

When a list just writes itself

We don't even have to make our own lists anymore.

time-read
1 min  |
March 16, 2025