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1. A set of 2-in-1 magnetic rechargeable hand warmers that are a genuine must-have for cold weather climates — you can keep these in your pockets to keep your hands the kind of roasty toasty warm that radiates through your whole body, and makes it a heck of a lot easier to endure the elements. Bonus: both hand warmers double as device chargers, so they'll come in handy in warm weather, too! Promising review: "These are amazing! I use them when I volunteer at the outdoor food bank and they keep my hands nice and toasty. I keep them in my coat pocket and they warm me right up! They are easy to charge and easy to use!" — Karen Get it from Amazon for $29.99+ (available in eight colors). 2. L'Oréal Paris BB Cream , a FAST-acting, anti-redness moisturizer reviewers swear by for an extra hydration punch to combat winter dryness and redness. It also makes an excellent skin-softening primer base for makeup, with a lot of reviewers comparing its competitor, the Dr Jart+ Cicapair Color Correcting Cream , which is over twice as expensive. Promising review: "I'm really pleased with this moisturizing foundation. It spreads evenly and covers well. I have trouble in the winter with dry flaky patches and redness on my cheeks and I was very pleased to see how this moisturized and covered those areas very well. It does not look cake-y and can be built up. I chose the one for redness. Which seems like it would work for anyone. Highly recommend! And I have tried products from top of the line to the bottom ." — Heather B. Get it from Amazon for $9.98 (available in six styles). 3. And E.l.f.'s Holy Hydration! Lip Mask for anyone who wants to go TURBO on ensuring they lock in enough moisture in the cold, dry weather. This silky, hyaluronic acid-infused formula is designed not to stick, so it plays nice with other lip products at all times of the day. Promising review: "If I could give this lip mask 100 stars, I would. What is there not to love about this product? It's beyond moisturizing and quite soft as you put it on, like butter. The scent has me perplexed, not sure that's the correct word to use. I know that scent, it reminds me of something from the '70s or '80s. The scent takes me back, but to where I do not know. AAAA++++, it's a must-buy !" — Stina Get it from Amazon for $7 . 4. A pair of windproof touch-screen thermal gloves to keep your hands toasty warm while you pop off in the group chat without missing a beat. Runners, hikers, and bikers especially swear by these since they're super flexible and insulating, and reviewers love that they come in a range of sizes for a snug fit! Check out a TikTok of the thermal gloves in action. Promising review: " These are awesome and fit so perfectly. They are extremely lightweight and well worth the price. I love the touchscreen functionality because it allows me to use my phone without having to take my gloves off." — Trin Get it from Amazon for $16.99+ (available in sizes S–XL and 10 colors). 5. And a cleverly designed ice scraper mitt so you don't have to get your *actual* gloves all cold and wet before you even get to where you're going. Also you can pretend you're a snow-shoveling cyborg with a scraper for a hand, which might make those early morning commutes a little less 🥴. Promising review: "This is terrific for frosty mornings when your windshield has frost on it. Your hand is in a glove and your hand is warm." — Doll Get it from Amazon for $13.99 (available in three colors). 6. Eos' Shea Butter Vanilla Cashmere body lotion , which TikTok is going *feral* over both because of the lightweight, long-lasting moisture all through the cold weather months, and the soothing, delicious smell that reviewers compare to more expensive brands like Philosophy and Bath & Body Works. Promising review: " This lotion, OMG, it soothes my skin so well. I have really dry skin, especially in winter time, and this here is what saves me. This is a reasonable size, it’s worth the price, it smells amazing, and guess what? The scent last a really long time. The quality of this lotion is great, you can literally feel the difference as you rub it on to you skin ." — Tia Get it from Amazon for $8.98 . 7. A luxuriously soft winter scarf designed to mimic the feel of cashmere without the hefty price tag and finicky maintenance. It comes in so many lovely plaids and styles that you are guaranteed to find one that matches your ~winter aesthetic~. Veronz is a small business that specializes in affordable luxury winter accessories. Promising review: "I am absolutely in love with this plaid scarf! It’s the perfect blend of style and comfort. The pattern is charming and versatile, easily complementing a range of outfits from casual to more polished looks. The material is incredibly soft and warm, yet surprisingly lightweight, making it a cozy accessory without feeling bulky. I appreciate the attention to detail, from the even, high-quality weave to the neatly finished edges." — elyse Get it from Amazon for $21.98 (available in 36 styles). 8. Mega popular, high-waisted fleece-lined leggings so beloved by reviewers (literally 23,800+ 5-star reviews!) that you can get it all KINDS of ways to suit your needs, with styles that have one (hidden) pocket, three pockets, or are water-resistant. Bonus: it comes in a zillion colors, so when you fall in love with your first pair you can collect the rest and have a cozy leggings rainbow! Promising review: "These are so warm but still so sleek! Totally opaque, long inseam, buttery soft, and they've got pockets! I machine wash them in cold water and then hang them to dry. I have two pairs in black and I wear the heck out of them. Worth every penny." — Cassandra Get it from Amazon for $33.99+ (available in women's sizes XS–6X, three styles, and 24 colors). 9. Plus a pair of fleece-lined joggers that will feel like slipping on clouds that happen to be customized to your human form. Promising review : "These pants are warm and comfortable. I have been wearing these for over a year now and they are wonderful. They wash and dry well, and I have experienced no pills or shrinkage. They also have a functional back pocket as well as side pockets. I have these in three colors and I will purchase again. " — Spotted Mermaid Get it from Amazon $38.99+ (available in women's sizes XS–XXL and in 11 colors). 10. E.l.f.'s Hydrating Core Lip Shine in the "Ecstatic" shade, which reviewers say captures the some magic as " Black Honey, " the $25 ~universal shade~ from Clinique that's blowing up on TikTok at a fraction of the price. It doesn't shift colors as magically as the other version, but it's a perfect, richly tinted "go-to" lip to keep in all your favorite bags and haunts this winter. I personally will live, breathe, and die by the magic of $25 "universal" Black Honey version — it lasts FOREVER and also functions as the perfect blush — but it sells out so often that I am also deeply relieved to know it has a cheap alternative in case of lip emergency! Promising review : "I absolutely love this product. The dark color is perfectly sheer. It also adds the most beautiful color to your lips . I am a Clinique Black Honey lip fan, and this gives me the same look for a fraction of the cost. I love it and have several that I keep in various spots. Not sticky either, which is my biggest gripe about lip glosses. My hair doesn’t get stuck in this like some glosses, but I get the shine ." — Hamps5 Get it from Amazon for $7 (also available in eight other shades). 11. A bottle of Elizavecca hair treatment , an Olaplex-like repairing mask infused with collagen ingredients and protein extracts that will help restore hair health and reduce shedding when that winter dryness is coming for your 'do. All you gotta do is apply it on wet hair after a shampoo, wait five minutes, and rinse it out. This is designed to work on all hair types, with reviewers with 2b to 4c curls mentioning it worked for them! Promising review: "I have been buying this for a long time for me and my daughter. I have thin, curly hair but it gets dry in the winter and this really brings it back to life. My daughter has THICK and super curly hair and it keeps her hair so hydrated (we use it as a mask every two weeks on her). Highly recommend." — Marina M. Check out BuzzFeed's full review of the Elizavecca hair treatment for more deets! Get a bottle from Amazon for $8.40 . 12. Equal Exchange's decadently rich dark chocolate hot cocoa mix for anyone with high chocolate standards and a small budget. This fair trade, small farmer-grown cocoa is so perfectly bittersweet and pure in taste that you'll forget all the other brand name hot cocoas you used to settle for. Promising review: "If you are a fan of really dark chocolate, this is the hot chocolate powder you want. Deep, rich dark fudge flavor with just a hint of sweetness. This is not a 'big cup of cocoa' kind of hot chocolate; this is an espresso cup kind of hot chocolate. Intense, but so satisfying. " — theratwitch Get it from Amazon for $8.29 (available in two sizes and five other styles, including a spicy hot cocoa 🔥). 13. A brand-new satin-lined Carhartt beanie , a hairstyle-friendly version of the iconic originial Carhartt knit beanie so beloved that it's amassed over 88,800 5-star ratings on Amazon. This version is designed for all hair types to help prevent hair breakage, frizzing, and general "hat head" issues that come with wearing a beanie. Promising review: "Fits great and looks good. Made of good quality materials and keeps you warm on those 20-degree days." — Edward Kephart Get it from Amazon for $24.99 (available in six colors). 14. And a pair of chic wireless headband headphones to keep your ears toasty warm listening to music during outdoor workouts or long walks. Promising review : "I hate wearing earbuds and headphones with a winter hat is clunky and odd, so I love these. It holds a nice charge and has good sound quality. I had low expectations for this but was pleasantly surprised!" — Amazon Customer Get it from Amazon for $19.99 (available in 19 colors). 15. A ridiculously high-quality oversize cropped puffer jacket reviewers are not only obsessed with, but compare to the Aritzia version for a fraction of the price. This insulated, cozy, trendy puffer is perfect for anyone whose winter motto is "Go go go!!! ... As cutely as possible, of course." It even features an adjustable drawstring at the bottom for a personalized fit! Promising review: "I had no idea I would love this as much as I do. First of all, the cut is superb. Cropped yet oversized. It’s super warm and cozy. I literally grab this five out of six times. Today I ordered it in red! You need this. You want this. You shall have it!" — Cassidy Barbeau Get it from Amazon for $62.99 (clip the $10 off coupon on the product page for this price; available in women's sizes XS–L and 16 colors). 16. A set of delightfully ~~tingly~~ self-heating soothing foot masks made with Epsom salts, lavender, and peppermint perfect for anyone whose recent step count is "too many." Nothing like a lil' self-care on those aching feet to lift your spirits! Check out a TikTok of the foot masks in action. I'm a long-ish distance runner, and these were certainly an interesting experience for my feet! You slide them on and, after a few minutes, feel a tingling, mildly burning (in a good way) sensation. It doesn't quite numb your feet, but it relaxes them. I kept them on for 30 minutes and then toweled my feet off, and the tingling sensation slowly faded over the next 30 minutes. After that, my feet felt very refreshed and relaxed at a time of day when they're usually aching from all the miles I put in. The whole thing was a mess-free, easy process, and I will definitely keep them on hand for longer run days! Promising review: "Very soothing. My husband and l used these on our European vacation, and they definitely felt good on our feet!" — KS2018 Get a set of three pairs from Amazon for $14.37 . 17. A criminally cozy plush blanket sweater for anyone who's ready to take loungewear to the next level. Reviewers are obsessed with how soft this cozy nest of a sweater is, and that it comes with *pockets* for snack stashing. Aemicion is a small business specializing in oversize comfy sweaters. Promising review : "It’s like wearing a huge blanket wrapped around you without the hassle of it falling off or dragging on the floor. Very soft. Love the oversized bagginess of it. The hood is my favorite thing. And it has pockets! What more do you need?! Honestly it’s perfect for any cozy cold person." — Donavan Get it from Amazon for $19.99 (available in dozens of styles and kid sizes). 18. A set of oh-so-toasty but breathable winter socks in a wool cotton blend so cozy that you'll rotate between the cute colors all winter long. Promising review: "Love them! They are so warm. I am cold every month of the year. My feet stay blue. Not with these. They are warm, look good, and feel good. I can wear them with a low-cut shoe. I’ve washed them in the machine and hung them up to dry. No problem. Highly recommend for those of us with perennial cold feet." — Frances Get a set of five from Amazon for $14.99+ (available in a variety of color combos and styles). 19. An insulated weatherproof and soundproof strip that easily sticks to the outer rims of your door to keep heat from escaping out of your room, so you'll stay cozy all night long. (It also works great as a sound dampener if you *also* have neighbors who like to watch The Office on full blast at 2 a.m.!!) Promising review: "JUST WHAT I NEEDED! This weatherstrip worked great for me. It came in two attached strips with an adhesive backing. The strips can be separated as needed. It was easy to peel the backing and install the strips. I installed both strips on the door casing where the door meets it when closed. It immediately stopped the draft that was coming in around the door. " — RH in TN Get it from Amazon for $8.57 (available in two colors). 20. And a glass bead weighted door draft stopper you can use to get the cold air from seeping in without actually installing anything — just plop it down and you're good to go! It's also scratch-resistant for pet owners, and machine washable so you can use it every winter and keep it squeaky clean. Promising review : "If you have a drafty door, you absolutely need this. It is made of fabric and has some weight to it, which is a great feature. The added weight helps hold it down and absorb the cold. When I walk by the door, and the draft stopper is on, I can't feel ANY cold coming in... I highly recommend this door stopper if you have a drafty door. Whether it be for cool air in the winter or you losing AC in the summer." — Nikki Get it from Amazon for $22.95+ (available in six sizes and six colors). 21. A reviewer-beloved Cozy Spaces-themed coloring book featuring lil' bugs sleeping in upside down teacups, koalas snuggling in mushrooms, and all kinds of little critters reading, eating, and chilling in whimsical scenes. Psst — Coco Wyo has a *ton* of other cozy stress relief coloring books with different themes in their Amazon storefront ! Another psst — you can pick up a cult-fave colored pencil set on Amazon. Promising review : "This coloring book is a wonderful way to unwind and de-stress. The illustrations feature familiar, cozy corners that are both charming and relaxing to color. The designs are intricate enough to keep you engaged but not overly complicated, making it perfect for both adults and teens. The quality of the paper is great, holding up well to colored pencils, markers, and gel pens. I love how each page feels like a little escape, and coloring them has become a therapeutic routine." — Ali El-Khatib Get it from Amazon for $7.99 . 22. A set of moisture-wicking long thermal underwear you can wear as a base layer for some extra insurance against the cold, which truly has NO business trying to take residence in your chilly bones. Reviewers mention how comfy and lightweight they are for all-day use! Thermajane is a small business that specializes in thermal gear for the whole family. Promising review: "These are THE most comfortable long underwear! The fleece makes it so soft and comfy and warm, but for some reason you don’t get too hot indoors while wearing them . Highly recommend them!" — Amazon Customer Get it from Amazon for $31.99+ (available in women's sizes XXS–3XL and 15 colors). 23. A sophisticated, minimalist-style sunrise alarm clock to gently ease you into waking every morning by gradually lightening the room so you're not JOLTED awake in a dark room if you've got the curtains drawn or wake up at odd hours. This model compares to the Hatch Sleep version for $170, both in aesthetics and because it also offers fully customizable wake-up experience, complete with timing, brightness modes, and soothing sounds. Promising review: "I wanted this clock for the sunrise lighting affect and didn’t want to pay for the really expensive clocks. I think it’s aesthetically pleasing and has tons of options. It really does help you wake up softer with the sunrise light. It’s easy to use and a good value for your money!" — Brianna Hughes Get it from Amazon for $48.89+ (available in three styles). 24. An oversize, lightweight knit button-up cardigan with a vibe reviewers compare to the beloved Jenni Kayne "Cocoon" cardigan. This is just *begging* to be layered with all your coziest looks, and it this price point, it might be an investment to grab a few colors to have on hand 👀 . Promising review: "The sweater is extremely comfortable and high quality, and the color selections were awesome. I chose the cognac color which is kind of a taupe-ish brownish color. Bought it to match some khaki boots, and the match was terrific. The pockets are nice. The sweater is roomy. The sleeves are a good length. The thickness is perfect for warmth without being overly bulky. I really like this sweater and will order more colors." — Alana Mohacsi Get it from Amazon for $19.99+ (available in women's sizes XS–XL and 29 styles). 25. A two-pack of magnetic air vent deflectors for anyone who wants to play god with their heat — this lets you aim it more precisely so it isn't just warming up the empty ether. Promising review : "Such a great and simple solution to help redirect A/C and heat. Super simple and easy to install. Universal fit makes it a cinch to work with any vents within the size range." — Heydaddy Get a pack of two from Amazon for $12.59 (also available in a pack of four). 26. A pair of trendy, affordable winter boots that not only keep your feet absurdly warm, but actually deliver on traction — these anti-slip soles have made me, a certifiable Clumsy Individual, feel a lot more steady on my feet walking in the snow and icy pavement. I only got these a few years ago because it was a Black Friday sale, but now that I've worn them I would have paid full price and then some. They're ridiculously comfortable, keep my feet warm and dry, and I felt very secure walking in them on a day with fresh snow and the day after, when the sidewalks were icy . There was no break-in period, either, which I appreciate because I tend to go on long walks. There are no half sizes and some reviewers suggested leaning toward your lower size if you're usually a half — this was true for me! They run a smidge large. Promising review : "I purchased these to wear while walking my dog 1+ miles daily, and wanted to feel safe walking in the snow and ice. The anti slip tread on these boots did not disappoint. They are sturdy and allow me to walk without any slipping. My feet stay warm while walking through snow and ice sludge in the street." — lovetoshop Get it from Amazon for $35.99+ (available in women's sizes 5-11 and six colors). 27. A discreet rechargeable neck warmer for when the infamous "Hot Girl Walks" become "Freezing Cold Winter Gremlin Walks" — this holds a charge for over three hours and helps regulate your body temperature with different heat settings. Promising review: "It lasts a long time. I would recommend this item to anyone who has thyroid issues or anybody who is always cold. I literally took it right out of the box and it had 81 percent charge on it and it worked for over six hours and kept my whole body warm all day! I give 10 stars." — patti Get it from Amazon for $31.99 (available in three colors). 28. An affordable cult-favorite luxury-scented candle with a scent reminiscent of Le Labo's Santal 33, and a throw so satisfying that it'll save your space from getting that stuffy "stuck indoors" smell. If you're in the market for a signature scent for your home, look no further than this jasmine, oud, and sandalwood blend. Lulu Candles is a US-based small business that specializes in scented candles and perfumes. Promising review : "This is such a great candle that fills the room quickly with a really nice strong smell that is soothing and relaxing. I was looking for a less expensive Le Labo Santal 33 scent candle and this one is very very close! It's a bit stronger, but I love it! The shipment arrived fast, and I just love how fast it fills up the room without being lit for so long!" — Cristina Bertolotto Get it from Amazon for $19.95+ (available in three sizes, in gift box options, in packs of two, and in a variety of scents). 29. A wine caddy for the bathtub for those chilly nights you don't just need to relax in a warm tub, but need to relaaaaaaaaax in one. 🍷 SipCaddy is a US-based small business that specializes in shower beer and wine bath holders. Bonus : it also holds cans, so they can pop in a LaCroix or enjoy a shower PBR, too. Promising review: "Loved how easy this was to put in my shower and use for anything from holding beverages to face wash. Gifted it to two friends and my boyfriend who at first mocked it but now LOVES it. I’d consider traveling with it at this point." — MB Schatz Get it from Amazon for $13.99 (available in five colors). 30. A compact, one-setting personal heater so anytime a room is just a lil' too chilly for your liking, you can whip out this gizmo and be the master of your own temperature fate once more. Promising review: "My office was FREEZING due to unfixable circumstances. This little heater is great. It does not have to gear up; it immediately starts putting out heat when turned on. The top and sides remain cool while the device is on. I sit directly in front of the heater, and I’m not too hot or too cool; it’s perfect. I sit underneath an air vent, and this little thing cancels out the freezing air much to my liking. My office is small and enclosed, so the heat fills the entire space after a while (maybe 45–60 minutes). Good buy! I recommend it!" — BB.J Get it on Amazon for $19.76+ (available in four colors). 31. A portable mug warmer with three different temperature settings so you can take your sweet, sweeeeet time enjoying your morning cuppa without worrying about having to reheat it in the microwave or chugging lukewarm coffee. Bonus: it also operates as a candle warmer! Promising review: "LOVE LOVE LOVE!!! Love the look. Love the temperature settings, although I don't believe I will use the lower ones since the 170 seems to be just right for me. Very simple to operate. Perfect Christmas gift or stocking stuffer for my daughter-in-law." — rkd Get it from Amazon for $25.99 . 32. A compressive cropped zip-up workout jacket so chic that you'll want to stock up on them not just for cold weather workouts, but errand running and days when your schedule is just "go go go." This is a great way to add some Lululemon-esque pieces to your rotation without breaking the bank! Promising review: "Lululemon WHOOOO? Great quality, washed well with my regular laundry. Retained it color and shape . I wore it for a back day at the gym and it was extremely comfortable/durable, no issues! I will keep buying these crop jackets. Also if you have a bigger chest I suggest you size up!" — Amazon Customer Get it from Amazon for $29.99 (available in women's sizes XS–XL and 14 styles). 33. A window AC unit cover perfect for anyone who can't pull theirs from the wall every season — this stops the cold air from seeping in and the warm air from seeping out. (It would also stop a bug infestation from a dead pigeon on your windowsill from getting into your apartment, but I'm not ready to talk about that yet!!!!!) It's available in four sizes, so make sure to measure your unit before you buy. Promising review: "I love it. I put it on and then in probably a half hour I could notice the change in the room. That breeze was gone." — DA-BIGGUY Get it from Amazon for $17.59+ (available in two colors and four sizes). 34. A lil' flat cat heating pad you can cook up in the microwave for some much needed relief from cramps or just the chill in the air. Promising review : "This was so much better than I anticipated. The quality is really nice, and there is a cover that you can remove and wash. It is soft and comfortable and comes in the cutest little box. So cute and functional. Heat is a humid heat but not too intense right out of the microwave." — brittany Get it from Amazon for $19.69 (available in three sizes and four other styles). 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NEW DELHI: Described as a “reluctant king” in his first stint as prime minister, the quietly spoken Manmohan Singh was arguably one of India’s most successful leaders. The first Sikh in office, Singh, 92, was being treated for age-related medical conditions and died after he was brought to hospital after a sudden loss of consciousness on Thursday. He is credited with steering India to unprecedented economic growth and lifting hundreds of millions out of dire poverty. He went on to serve a rare second term. Prime Minister Narendra Modi said: “India mourns the loss of one of its most distinguished leaders, Dr Manmohan Singh Ji.” He applauded the economist-turned-politician’s body of work. Born into a poor family in a part of British-ruled India now in Pakistan, Singh studied by candlelight to win a place at Cambridge University before heading to Oxford, earning a doctorate with a thesis on the role of exports and free trade in India’s economy. He became a respected economist, then India’s central bank governor and a government advisor but had no apparent plans for a political career when he was suddenly tapped to become finance minister in 1991. During that tenure to 1996, Singh was the architect of reforms that saved India’s economy from a severe balance of payments crisis, promoted deregulation and other measures that opened an insular country to the world. Famously quoting Victor Hugo in his maiden budget speech, he said: “No power on earth can stop an idea whose time has come,” before adding: “The emergence of India as a major economic power in the world happens to be one such idea.” Singh’s ascension to prime minister in 2004 was even more unexpected. He was asked to take on the job by Sonia Gandhi, who led the center-left Congress party to a surprise victory. Italian by birth, she feared her ancestry would be used by Hindu-nationalist opponents to attack the government if she were to lead the country. Riding an unprecedented period of economic growth, Singh’s government shared the spoils of the country’s newfound wealth, introducing welfare schemes such as a jobs program for the rural poor. In 2008, his government also clinched a landmark deal that permitted peaceful trade in nuclear energy with the United States for the first time in three decades, paving the way for strong relations between New Delhi and Washington. But his efforts to further open up the Indian economy were frequently frustrated by political wrangling within his own party and demands made by coalition partners. And while he was widely respected by other world leaders, at home Singh always had to fend off the perception that Sonia Gandhi was the real power in the government. The widow of former prime minister Rajiv Gandhi, whose family has dominated Indian politics since independence from Britain in 1947, she remained Congress party leader and often made key decisions. Known for his simple lifestyle and with a reputation for honesty, Singh was not personally seen as corrupt. But he came under attack for failing to crack down on members of his government as a series of scandals erupted in his second term, triggering mass protests. The latter years of his premiership saw India’s growth story, which he had helped engineer, wobble as global economic turbulence and slow government decision-making battered investment sentiment. In 2012, his government was tipped into a minority after the Congress party’s biggest ally quit their coalition in protest at the entry of foreign supermarkets. Two years later Congress was decisively swept aside by the Bharatiya Janata Party under Narendra Modi, a strongman who promised to end the economic standstill, clean up graft and bring inclusive growth to the hinterlands. But at a press conference just months before he left office, Singh insisted he had done the best he could. “I honestly believe that history will be kinder to me than the contemporary media or, for that matter, the opposition parties in parliament,” he said. Singh is survived by his wife and three daughters. – ReutersIndia has been in one of the longest bull markets, with this phase starting in March 2020, and nearing five years now, said Prashant Khemka, founder of WhiteOak Capital Management. He thinks that we have been somewhat spoiled by the returns over the past five years. In the recent months, the stock market has come off its highs, but that’s nothing unusual or abnormal. “We’ve come to expect equity-market returns with fixed-income-like consistency, which isn’t a reasonable expectation," he said, adding, “We should temper both our return expectations—aiming for low double digits rather than mid-teens—and our expectations for consistency". Looking ahead to 2025, Khemka expects pre-tax market returns of 10-11%. To begin with, if you were to get 10 lakh, where would you invest? Assuming all living expenses are covered, my approach is always the same. Essentially, all available money is entirely invested in . These days, my wife handles these investments based on standing instructions. If there happens to be any excess money, we invest it in mutual funds or other investment vehicles of WhiteOak. Occasionally, I even say jokingly that the only times my wife and I argue are when she might slip up and leave money idle in the bank for a few days instead of deploying it into the market. We are always fully invested in equities and have never prioritized fixed deposit as investment. So, that continues to be the case. Considering what you said, how would you look at diversification, given that many have pointed out that diversification is key in a volatile market. So, how would you look at that? Diversifying across asset classes comes at a cost. Equity has been the best-performing asset class over extended periods of time. Since I entered the markets in 1985, both personal experience and historical data show that equity markets deliver the highest long-term returns for passive investors. While running a business may yield higher returns, I firmly believe equity markets will continue to lead as investments. Our team also strives to generate returns above the market average, creating a total return that is hard to match in other asset classes. From my perspective, the additional returns from equity investments more than compensate for the lost diversification benefits. I understand that you believe equity offers long-term superior returns and are quite optimistic about the asset class. However, given the past rally and current uncertainty, should investors consider tempering their return expectations? It depends on what the return expectations are. However, at any point in time, if you ask me about expected returns over the next 12 months or any specific period, I would estimate low double digits on an annualized basis. That hasn’t changed, and it remains my base case expectation at this time, too. It’s like flipping a coin ten times—my expectation would always be five heads and five tails. In reality, the outcome could be six-four, eight-two, or even ten-zero, but with enough flips, it averages out to 50-50. Similarly, Indian have consistently averaged in the low double digits if you look at the historical performance. Looking ahead, I expect similar returns of low double digit, roughly 10-11%, pre-tax. Many are worried about slowing earnings growth and the possibility of earnings downgrades. Do you share this concern? Concerns are always present in the market; there's never a time without them. People naturally look for risks, and there will always be something to focus on. These concerns aren’t new. It’s possible that, in the near term, with slightly slower economic growth last quarter, we could see this trend spill over into corporate earnings this quarter as well. However, that’s just part of the business cycle. Over the years, there have been periods of slower economic and earnings growth, followed by times of faster growth. If we experience slower growth in the coming months, it is entirely possible, but it does not necessarily mean the markets will perform poorly. Do you think these factors are already priced in? Geopolitical concerns and elections were major worries—have we moved past them? What other concerns do you see, and has the possibility of earnings downgrades or slowing growth been factored in? Yes, in my view, macro concerns are always factored in on a probabilistic basis—weighted by the likelihood of various outcomes. However, reality can sometimes turn out far worse or better than what the market has anticipated at a point in time. Also, what we think is priced in may differ significantly from what the market has actually accounted for. For example, if we look back five years to the end of 2019 and if we were told everything that would unfold during covid-19, we might have expected markets to perform very poorly. Most people, including myself, could have been tempted to stay in cash or shift to safer asset classes. Yet, March 23, 2020, marked the market's bottom, even when the total reported Covid-19 cases in India were only around 500, with approximately only 100 cases reported for that day. Despite the subsequent surge in cases, millions of deaths, and extended lockdowns, the market began rallying from March 24th onwards. Why? Because it had already factored in these outcomes and more. The market assessed the long-term impact of these developments on corporate cash flows and determined that the present value of those cash flows was not materially affected as one might have feared just a few days prior. Since you brought up holding cash, some fund managers are currently maintaining cash levels as high as 50-80%. What’s your perspective on this? Our team is always able to find opportunities. Forget about holding 50-80% cash - our team generally does not even have 50 to 80 basis points of cash in the portfolio, meaning we don’t even have 0.5% to 0.8% in cash on many of the days because we are fully invested. We don’t make market timing calls; we are typically fully invested, with cash levels of less than 1%. Our approach is that the market is fairly valued overall, but within that, some stocks will be overvalued and others undervalued. In a relative performance approach, it’s about identifying those undervalued names. To outperform the market and our peers, that's what we focus on. Has there ever been a time when you regretted being fully invested and not holding any cash? I wouldn't say regret, because I understand that market timing is not possible—this is my firm belief. Personally, or in portfolios, I was always fully invested at the peaks of 2000, during the Harshad Mehta bubble, at the 2008 peak, and just before Covid. Thankfully, I was also that followed those peaks. I've never felt I should have made a cash call, because I have resigned myself to the fact and the belief that markets cannot be timed, just like coin flips cannot be predicted. Which sectors look appealing to you in 2025? We firmly believe in the fair value of the market and maintain that it's not possible to predict which sector will outperform another at aggregate level. Our base case assumption is that all sectors will perform in line with the market over the next 12 months. While we understand that the various sectors will not give the same returns in any given year, it is still the most logical ex-ante assumption to make. That said, we may allocate more weight or less to certain sectors, either absolute or relative to the benchmark, based on where we see the most compelling bottom-up investment opportunities. For example, if most companies within a sector appear fairly valued in our assessment, we may choose to invest less in that sector, as the expected upside or downside is limited. On the other hand, if we see significant disparities in valuations within a sector—where some companies are highly overvalued and others highly undervalued—we may allocate more to that sector as we seek to capture the upside from the undervalued opportunities. Currently, we are finding more of such opportunities in healthcare, information technology services, financials, consumption, and industrials. We have higher allocations in our portfolios in these areas, both collectively and individually. So, the market is currently in a state of limbo, waiting for a clear direction. What are the key triggers that could provide that clarity and drive the market forward? It depends on how you define "limbo." If you look at it, we’re in one of s, with this bull market starting in March 2020, around March 23rd, and nearing five years now. I wouldn’t necessarily call it a limbo; I think we've been somewhat spoiled by the returns over the past five years. (like the BSE 500) has had mid-teens returns, with small and mid-caps up by mid-20s. In the past couple of months, there’s been a slight dip, but that's nothing abnormal. We’ve come to expect equity market returns with fixed-income-like consistency, which isn’t a reasonable expectation. We should temper both our return expectations—aiming for low double digits rather than mid-teens—and our expectations for consistency. We’ve mostly seen upward volatility over the past five years, otherwise occasional pullbacks of 10-20% are within the realm of usual market movements. Lastly, what are the common mistakes investors make throughout their investing journey, and how can they avoid them? The biggest mistake retail investors make is not allocating enough to equities, followed by trying to time the market. For instance, during the Covid crisis, many pulled out of the market due to fear, only to re-enter much later at substantially higher levels. based on macro developments often harms long-term returns. The key is to seek advice from financial advisers to decide on a comfortable equity allocation and stick with it over time. Avoid speculative trading or constantly changing your strategy based on short-term market movements or media headlines.

READY to wave goodbye to 2024 and see what lies in store for the next 12 months? The Sun’s astrologer shares twists and turns for the different zodiac signs in 2025 when it comes to work, finances and good fortune. 13 Sun astrologer Maggie Innes shares twists and turns for the different zodiac signs in 2025 Find out if it will be a year of celestial celebration for you. And don’t miss tomorrow’s paper, when Maggie maps out events that await at home, in health and on new horizons. ARIES March 21 – April 20 13 Saturn’s steady hold on Aries from May to September chairs great negotiations CAREER: Your “take charge” Mars magic swells throughout spring and, by mid-June, you can make your boldest move. Work-based new moons on August 23 and September 21 rejig false starts into genuine opportunities. READ MORE ON HOROSCOPES MYSTIC MEG Love deepens where new looks and sounds are sampled MYSTIC MEG The perfect partner can be waiting quietly for you to notice them CASH: Saturn’s steady hold on Aries from May to September chairs great negotiations – you possess a prime poker face! February 4 and April 30 are rich dates for finding lost tickets, accounts or legacies. Answer questions honestly in November. CHANCE: Neptune enhances intuition in everything from number choices to lucky colours from March onwards. Most read in Fabulous MIND THE GAP I'm 32 years younger than my man, trolls call me a gold digger but it's love FAUX PAS Bride bans wedding guests from wearing smart WATCHES and some say it’s 'a sign' NO EXPENSE SPARED Sue and Noel Radford accused of Christmas 'overkill' for kids' gift haul JETS GO The celebs racking up the most holidays in 2024 & Nicole Scherzinger's 18 trips Teams of three, packs of four, and any talking or rapid-response challenge, are Aries-significant. TAURUS April 21 – May 21 13 An October choice is a key decision CAREER: Friends or family who dream together can make a great business team, taking shape over the summer. Who should a Leo date? Discover the best and worst zodiac matches! With Pluto set for 20 years in your success sector, your future can break records. An October choice is a key decision. CASH: Until June, Jupiter spotlights smart ways into and out of some big money situations. Your smile can be worth a fortune! Around July 4, you can identify earning potential in a learning scenario. CHANCE: Staying silent and keeping secrets is a challenge, but with potential rich rewards. You can also find 2025 luck with music played by trios and dates that include a three. GEMINI May 22 – June 21 13 A saving goal can come closer by September CAREER: Closing a decision around January 13 can lead to open doors by September 7. You see many clever ways to pivot your career profile in 2025, guided by mentor Mercury. Late November, surf a success wave straight into 2026. CASH: You have Jupiter financial flair all year – but build in Saturn common sense, too. A saving goal can come closer by September. Vintage records hide new value. CHANCE: Number two, twinned towns or cities and second-time-around entries can all have a Gemini luck link. Uranus, with its “try anything” vibe, finds success for you in contests with unusual settings, or hi-tech themes, July to November. CANCER June 22 – July 22 13 Mars boosts risk taking from day one CAREER: Your work journey speeds up from January and Saturn-strong shoots push through in June and July. Yes, you can learn and lead. An unusual ambition around the time of October 7 deserves your full attention. CASH: Mars boosts risk taking from day one – April to June you reap rewards. Then Mercury steps in with smart strategies to double that. Stick to a money plan in September, even when temptation is strong. CHANCE: As Jupiter’s number one, by June you can feel personal luck flow. First answers, especially under pressure, your first initial and any list of number ones, past or present, can be winners. LEO July 23 – August 23 13 Number 12, December dates/birthdays and following clue trails can lead to luck CAREER: Take the first three months to suss out what you really need from work – in April and May, Mars encourages action. Saturn supports learning all summer to ace any test or interview, however many times you’ve tried. CASH: The March 14 eclipse mixes emotions and finances – and people who love each other can enrich each other. Double new money moons in August and September show that you can start again, no matter what. Believe in better! CHANCE: Number 12, December dates/birthdays and following clue trails can lead to luck. Team up with your least-likely friend or colleague for summer success. VIRGO August 24 – September 22 13 From March to May, you have crystal clear future vision CAREER: Look for Mercury career guidance and intelligence and it’s there for you, all year. From March to May, you have crystal clear future vision. Your personal moon shines so bright in August and September, nothing can stop you. CASH: Pluto’s new position underlines that people matter more than possessions – review 2025 spending plans accordingly. Wellbeing businesses, tests of patience and “H” addresses carry cash potential. CHANCE: A silly family game, a new social media connection and a local celebrity challenge can all be luck-linked for Virgo. So can football teams, November journeys and someone who changes their name in 2025. LIBRA September 23 – October 23 13 Pluto’s willingness to break rules and be creative brings rich Libra chances all year CAREER: Valentine’s Day to mid-April, you hit your Mercury progress stride, pushing obstacles aside and embracing challenges. June to late August, your best friend at work can be your best promotion ally. “Six” dates are career firsts. CASH: Set high saving/spending standards as the year begins, and Mars helps you meet them, maybe exceed them. Pluto’s willingness to break rules and be creative brings rich Libra chances all year, but especially when things feel toughest. CHANCE: Jackpots that double daily, sets of ten questions and a person or place first encountered in October can all add extra luck to 2025. SCORPIO October 24 – November 22 13 Creative skills – your own or others’ – can boost your 2025 bank balance CAREER: Planet leader Pluto transforms what job security means to you – for the next 20 years, you can run risks, aim for the sky. The solar eclipse makes March 29 super-special. Neptune endows summer insight to read bosses’ lips – and minds. CASH: Creative skills – your own or others’ – can boost your 2025 bank balance as soon as Saturn gets involved. Productivity is off the scale. Minor plans that start around August bank holiday build to major profits by Christmas. CHANCE: Old maps, new languages and a decision to believe in your ability to learn, no matter what, enhance Scorpio’s winning streak. SAGITTARIUS November 23 – December 21 13 In July, only invest in people and projects that mean something CAREER: Saturn helps secure success where you are in 2025, with roles or responsibilities you may not have considered. But big offers can be irresistible in August and September. On October 29 and December 11, follow facts, not fantasy. CASH: Start 2025 taking stock of what you have, as financial genius Venus backs you until summer to build on this brilliantly. In July, only invest in people and projects that mean something. Mars goes big or goes home around December 15. CHANCE: Fortune flows from feelings, so trust yours implicitly. Figures of eight and August trips can also have lucky influence. CAPRICORN December 22 – January 20 13 Combining birthday dates, wedding planning and brokering deals can spell 2025 luck CAREER: Talk your way to success in March, put in extra hours in June. Maverick planet Uranus upends your career chart from July to November, and cautious Capricorn is no more. Get ready to surprise everyone, especially yourself. CASH: Your inner voice counts most from January to June, so ignore external spending pressures. Two travel moons, in August and September, spot some big cash chances on the move. Pluto power helps focus on the financial future, so ditch the past. CHANCE: Combining birthday dates, wedding planning and brokering deals can spell 2025 luck. An old family story can scoop a unique prize. AQUARIUS January 21 – February 18 13 Reinventing yourself can start with the full moon on January 13 CAREER: The positive vibes of Jupiter are zooming in on your work zone, so you approach serious ambitions with a lighter touch. Reinventing yourself can start with the full moon on January 13, alongside the “never say no” spirit of Mars. You’ve got this. CASH: Saturn has been on call in your money chart for years – but 2025 is the last one. So spend it finishing what you have started with a cool, clear head. April 7 and October 22 are crucial cash decision dates. CHANCE: Six o’clock, contests in three rounds and an event that has been postponed until next June can be Aquarius luck-finders. PISCES February 19 – March 20 13 Pluto toughens up secret ambitions, giving an inner shine CAREER: Mercury focuses your work mind from July to September, when you can visualise yourself in an exciting new role. February 28 and September 7 are Pisces push harder days. Pluto toughens up secret ambitions, giving an inner shine. CASH: Go your own way until May, when Saturn’s six-month shift encourages pooling money plans, working and winning as part of an “F” team. Pisces’ key money moon is October 7, so swap distractions for determination. Read more on the Scottish Sun GHOST TOWN Former Scots shopping hotspot 'decaying' as multimillion pound revamp ‘failing’ VAX HORROR Striken Scots 'gaslit' by health bosses after complications from Covid vaccine CHANCE: Neptune’s natural number-choosing and success-seeking instincts kick in strongest April to October. Families of five and locations to the east can be lucky all year.BOSTON (AP) — Jaylen Brown scored the Celtics’ first 15 points on five consecutive 3-pointers and finished with 29 points, before Boston withstood a late charge to beat the Minnesota Timberwolves 107-105 on Sunday. Jayson Tatum added 26 points and eight rebounds to help Boston post a season-high fifth straight victory.

Sailors killed in Sydney to Hobart Yacht Race identified