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<ul><li><keyword id="34499" type="General" weightage="20" keywordseo="private-equity" source="Orion">Private equity</keyword> investments in <keyword id="3658" type="General" weightage="80" keywordseo="india" source="Orion">India</keyword>’s <keyword id="6354553" type="General" weightage="20" keywordseo="Real-estate" source="Orion">real estate</keyword> sector witnessed a 17% decline in 2022 to $5.1 billion. </li><li>The overall number of PE investment deals also came down significantly to 29 in 2022 from 52 last year. </li><li>Office and warehousing sectors emerged as PE favourites, accounting for 82% of the total investments this year. </li></ul>Private equity (PE) investments in India’s real estate sector registered a 17.2% decline in 2022, hurt by the troika of elevated inflation, rising interest rates and geopolitical tensions. Overall, PE firms invested $5.1 billion in the country’s real estate sector in 2022, down from $6.2 billion in 2021. According to a report by <keyword id="151748" type="General" weightage="100" keywordseo="knight-frank-india" source="Orion">Knight Frank India</keyword>, the office, residential and retail sectors contributed most to this decline – PE investments in these three sectors fell between 19-63% from last year. “The investment climate in India moderated in 2022 as investors grew more cautious in response to escalating international tensions and concerns about rising inflation and interest rates,” said Shishir Baijal, chairman and managing director, Knight Frank India. <cmsannotation type="cmsannotation" annotationid="Warehousing: A standout" comment="subhead" text="Warehousing: A standout">Warehousing: A standout</cmsannotation> The warehousing sector, however, was the only sector that saw a growth in PE investments over last year – $1.9 billion in 2022 compared with $1.3 billion in 2021. The demand for warehouses was due to a strong demand from manufacturing, e-commerce and logistics companies, the Knight Frank India report said, adding that the need for modern warehouses and a dearth of organised assets in this sector led to several greenfield investments. Despite the growing appeal of warehousing, the office sector managed to draw the largest share of PE investments – accounting for 45% of the total investments. Warehousing came in second with a share of 37%, according to the Knight Frank India report. <div type="image" title="PE investments sector-wise 2022." msid="96338821" hostid="261" sizebytes="16502" caption="&amp;lt;p&amp;gt;PE investments in real estate in 2022&amp;lt;/p&amp;gt;"></div> The office sector saw most of its $2.3 billion PE investments diverted to Mumbai and Bengaluru in 2022, the report said. <cmsannotation type="cmsannotation" annotationid="Fewer, but bigger deals" comment="subhead" text="Fewer, but bigger deals">Fewer, but bigger deals</cmsannotation> According to the report, PE firms entered into 29 real estate deals this year, down 44% from the 52 deals entered into last year. While the overall number of deals, and the total investments are down in 2022, the average deal size has registered an increase of 49% to $177 million, from $119 million last year. Overall, PE firm exits declined 41% in 2022 to $822 million, from $1.39 billion a year ago – an indication that investors may be looking for longer-term gains. <cmsannotation type="cmsannotation" annotationid="Investments to improve next year" comment="subhead" text="Investments to improve next year">Investments to improve next year</cmsannotation> The investment climate is expected to improve in 2023 thanks to moderating inflation, and as a result, slower rate hikes. For instance, India’s retail inflation saw a 5.88% rise in November – the lowest in the past 11 months and within the Reserve Bank of India’s comfort band. “Looking forward to 2023, we anticipate that inflation for most of the nations and the pace of rate hikes will moderate. With investors paying attention to the economy, governmental and regulatory framework, business results, and valuations, investments in India are expected to improve,” Baijal added. SEE ALSO: <a href="https://www.businessinsider.in/stock-market/news/top-gainers-and-losers-stocks-of-2022-in-india/articleshow/96332417.cms">Best and worst performing stocks of 2022</a> <a href="https://www.businessinsider.in/stock-market/news/ipos-pick-up-steam-in-last-three-months-of-2022-strong-pipeline-likely-to-propel-listings-in-2023/articleshow/96325621.cms">IPOs pick up steam in last three months of 2022 – Strong pipeline likely to propel listings in 2023</a> <a href="https://www.businessinsider.in/thelife/personalities/news/i-am-glad-i-fd-up-so-much-in-life-that-it-is-content-now-says-ankur-warikoo/articleshow/96282722.cms">I am glad I F**%*D up so much in life that it is content now says Ankur Warikoo</a>

PE investments in real estate decline 17% in 2022 due to inflation, rising interest rates – Knight Frank India

Debt MFs catch investor fancy as their returns go up to 23%

Investment experts advise that your investment portfolio must be a balanced mix of low risk and medium risk investment options. The rule of thumb in investments are lower risk investments get you lower returns and you are likely to get high returns from high risk investments. Nevertheless, most of the time low risk investments provide you stability and guaranteed returns. Depending on how much risk you are willing to take and what kind of flexibility you want, you must choose the investment option that is right for you. For quite long, fixed deposits (FD) and real estate have been among the most popular investment vehicles. However, they are dissimilar products and cater to different kinds of needs of the investors. Depending on whether you are planning for a short term or a long term investment, you must choose between these two options. Here are the considerations you must note while choosing between FDs and Real Estate. Assured returns in FD Most people imagine that property prices will always be on the rise. Once upon a time, property prices in India did shoot up dramatically. It is highly possible that the market will stagnate or prices might drop at some times. At the same time, if you wish to invest with large gains in mind, real estate has more to give you. If guaranteed results and a risk free investment combined with high levels of liquidity is your expectation, it is better to invest in a FD scheme. Profit and affordability People sometimes use all their savings or even take a loan to buy property. This is quite understandable. But, make sure you will be able to sell the property for a profit. It is important to figure out the imbalance between the purchasing power and the skyrocketing rates of real estate in the country. For instance, the price of a 1BHK flats in a top city in India is around 2 crore. If you need to take a 20 year loan to buy this flat, you have to pay EMIs that will be more than a lakh per month. This will mean you must earn between 3 to 4 lakhs per month. Hence when trying to invest in real estate, ask yourself if you can afford it. In case of FD, you need not ask these questions. You can open up a FD account with as less as Rs 20,000 and earn stable returns on it. Additional expenses in Real Estate Besides the payment for the apartment or property, you will have to manage the other expenses while investing in real estate, namely the stamp duty, ownership titles, registration charges, maintenance charges for the property and others. In some cases, the rate of returns guaranteed from <keyword id="35278" type="PERSON" weightage="20" keywordseo="real-estate-investment">real estate investment</keyword> worked out to just 2.5% annually. Compare this with the fixed deposits where the interest rates are far better. This fact goes into say that you must know the market trend in the place where you by the property to be able to make the right decision. Conclusion between FD vs Real Estate Comparing between real estate and <keyword id="7317577" type="UNKNOWN" weightage="20" keywordseo="fd-investment">FD investment</keyword> need to take care of all the above said points. You need to get the property valued and the market conditions thoroughly understood before investing in real estate. If you can mobilize the money to buy the property, can't wait for a long time to sell, you can invest in real estate or FD is a safer and convenient form of investment for you.

Real Estate vs FD which is better for investment?

The <keyword id="19925636" type="General" weightage="20" keywordseo="stock-market" source="keywords">stock market</keyword> closed in the green, with benchmark indices hitting new all-time highs at the end of closing sessions on Monday. The <keyword id="19950208" type="General" weightage="20" keywordseo="BSE-Sensex" source="keywords">BSE Sensex</keyword> surged by 384.30 points, closing at 84,928.61, while the NSE <keyword id="19896381" type="General" weightage="20" keywordseo="Nifty" source="keywords">Nifty</keyword> gained 148.10 points to settle at 25,939.05. Both indices ended the session driven by strong buying in sectors like auto, oil and gas, and <keyword id="19976433" type="General" weightage="20" keywordseo="financial-services" source="keywords">financial services</keyword>. Out of the Nifty 50 companies, 34 stocks advanced, while 16 declined. Bajaj Auto, Mahindra &amp; Mahindra (M&amp;M), ONGC, Hero Motocorp, and SBI Life emerged as the top gainers, contributing significantly to the market's rise. On the flip side, Eicher Motors, ICICI Bank, Divi's Labs, Wipro, and IndusInd Bank were the top losers, experiencing profit booking after recent rallies. The market's bullish momentum was largely influenced by anticipation surrounding the <keyword id="19899810" type="General" weightage="20" keywordseo="Reserve-Bank-of-India" source="keywords" meta.keywordsubtype="org" meta.entityname="Reserve Bank of India" meta.hostid="261" meta.entityid="Reserve Bank of India">Reserve Bank of India</keyword>'s (RBI) Monetary Policy Committee (MPC) meeting to be held October 7 to 9 and its decision on the repo rate. As the market gears up for potential rate cuts, India VIX, a volatility index, spiked by more than 9 per cent, also reflecting investor caution. VLA <keyword id="19958748" type="General" weightage="20" keywordseo="ambala" source="keywords">Ambala</keyword>, Co-Founder of Stock Market Today, commented on the session's performance, highlighting the role of macroeconomic factors. "In today's session, the India VIX rose more than 9 per cent as the market awaits the MPC policy and <keyword id="21977342" type="General" weightage="20" keywordseo="repo-rate-cut" source="keywords">REPO rate cut</keyword> decision. Notably, India's fast composite PMI recorded a slightly slower growth in September. This is the slowest rate of growth in 2024 for the manufacturing and service sectors," she said. "According to me, to remain globally competitive, the RBI needs to match the US Fed rate, which will create a significant difference between India's lending growth and the long-term FD rates," she added. Ambala emphasized the importance of the RBI's decision in maintaining India's global competitiveness, particularly in comparison to the US Federal Reserve's rates. She noted that any repo rate cut by the RBI could inject more liquidity into the economy, potentially spurring a bullish trend in the equity market and benefiting asset classes like real estate. "If the RBI chooses a REPO rate cut, it will inject more liquidity into the economy, likely fueling a bullish market trend. On the other hand, account holders could enjoy better returns in asset classes such as the equity market and real estate," she said. "The banking and NBFC sectors are already responding to the potential rate cut, and we may see a decline of 100-200 bps points in the next 1.5 years. Since the market has been resilient, I believe it will adapt quickly to these economic changes," Ambala added. Currently, major indices such as Nifty, Bank Nifty, Financial Services, Mid Cap 100, Mid Cap 150, Next 50, FMCG, Consumption, Metal, Infrastructure, and Auto are trading at all-time highs. Sectors like NBFCs, Realty, Infrastructure, and PSU stocks are expected to remain in focus as potential rate cuts could open up significant opportunities for mid-term investors. The technical indicators show that the broader trend remains bullish, with the Relative Strength Index (RSI) for Nifty standing at 74 on the daily, 75 on the weekly, and 83 on the monthly timeframe. However, Ambala advised investors to approach the market cautiously. "The Nifty index can expect support levels at 25,870 and 25,680 with resistance at 26,050 and 26,130 in the next market session," she stated.

Sensex soars to 84,928, Nifty settles at 25,939 as stock market closes at all-time high

Retirement is often compared to a long vacation in Las Vegas: the aim is to enjoy it to the fullest without running out of money. Elevated inflation rates, low real returns from debt investments, and increasing life expectancy – all heighten the risk of underfunded retirements. Therefore it is crucial to engage in retirement planning and start investing for <keyword id="112023" type="General" weightage="20" keywordseo="wealth-creation" source="Orion">wealth creation</keyword> as early as possible. Here is a detailed guide to help you navigate this process: <cmsannotation type="cmsannotation" annotationid="Understanding the dynamics" comment="subhead" text="Understanding the dynamics">Understanding the dynamics</cmsannotation> In India, economic factors like inflation rates, interest rates, and the cost of living significantly impact retirement planning and wealth creation. Inflation erodes the value of savings, while interest rates influence investment returns. For example, with an annual inflation rate of 5%, Rs. 1000 saved today will be worth only Rs. 950 in real terms next year. As deposit interest rates have been falling over the long term, the fixed deposit (FD) rates you see today might not be available when you retire in 20-25 years. Additionally, interest income is taxable. The rising cost of living also directly influences post-retirement expenses. If the cost of living increases by 3%, monthly expenses of Rs. 30,000 today would escalate to Rs. 30,900 next year. Understanding these dynamics is essential for effective retirement planning. <cmsannotation type="cmsannotation" annotationid="Identifying your needs" comment="subhead" text="Identifying your needs">Identifying your needs</cmsannotation> Determining retirement needs requires careful calculation. A common rule of thumb suggests that <keyword id="415826" type="General" weightage="20" keywordseo="retirement-savings" source="Orion">retirement savings</keyword> should ideally replace 70-80% of pre-retirement income. For example, if your current annual income is Rs. 8 lakhs, then you should aim for Rs. 5,60,000 - Rs. 6,40,000 annually in retirement. Now consider the desired retirement age and expected lifespan. For instance, retiring at 60 and living until 85, necessitates planning for 25 years of retirement expenses. Don't forget to account for inflation. Typically, inflation is 5-6%, meaning your retirement wealth has to grow faster than this rate, ideally more than 6% after paying taxes. Therefore, your investments must offer high return potential with a low margin of error. <cmsannotation type="cmsannotation" annotationid="Exploring your options" comment="subhead" text="Exploring your options">Exploring your options</cmsannotation> Traditional retirement savings options include the Employee Provident Fund (EPF), Public Provident Fund (PPF), and the National Pension System (NPS). Other investment avenues like stocks and real estate are also popular. However, mutual funds emerge as a versatile option among these. Mutual funds offer professionally managed portfolios catering to diverse risk appetites, unlike the rigidity of EPF and PPF. <cmsannotation type="cmsannotation" annotationid="Tailoring investment strategies" comment="subhead" text="Tailoring investment strategies">Tailoring investment strategies</cmsannotation> Tailoring investment strategies to varying income levels and risk appetites is crucial for financial success. For individuals with modest incomes, starting <keyword id="176782" type="General" weightage="20" keywordseo="systematic-investment-plans" source="Orion">systematic investment plans</keyword> (SIPs) in mutual funds with as little as Rs. 500 monthly can lead to steady retirement wealth growth. Long-term investment strategies ensure financial resilience, regardless of income level or risk tolerance. If you want to adopt a hands-free approach, stick to mutual funds that come with various diversified and long-term options such as equities, debt, hybrid, and multi-asset and even retirement-friendly portfolios. <cmsannotation type="cmsannotation" annotationid="Food for thought" comment="subhead" text="Food for thought">Food for thought</cmsannotation> Many Indians prioritise home buying and children's education early in life, often delaying retirement planning until their forties. Ideally, retirement planning should start in the mid-twenties. Avoid common mistakes such as neglecting inflation, underestimating longevity, or taking on excessive risk. A smart approach is to integrate mutual funds into systematic investment plans (SIPs). This way, you can look forward to a peaceful retirement and enjoy the financial freedom that you deserve. Disclaimer: The article is authored by Sangeeta Parag Mehta, Mutual Fund Distributor. The opinions expressed are those of the author and do not necessarily reflect the views of Business Insider India. Do your own research (DYOR) before deciding to invest in any financial asset class. This article is published by the Insider Studios team. You can get in touch with them on <a href="mailto:insiderstudios@businessinsider.in">insiderstudios@businessinsider.in</a>.

A comprehensive guide to retirement planning in India: Secure your future

<ul><li>The systematic withdrawal plan route lets one create a <keyword id="468185" type="General" weightage="20" keywordseo="regular-income" source="Orion">regular income</keyword> from mutual fund investments like a pension. </li><li>Insurance <keyword id="3265123" type="General" weightage="20" keywordseo="annuity-plans" source="Orion">annuity plans</keyword> can create a regular income, but the rate of return is low and does not beat inflation. </li><li><keyword id="417910" type="General" weightage="20" keywordseo="rental-income" source="Orion">Rental income</keyword> can also provide regular income but comes with high upfront costs and uncertainties. </li></ul>While investments are meant to create wealth, at certain times, one may also require a regular income from investments. While retired people need to set up funds so that they get a regular income post retirement, anybody might have the requirement to generate regular income. We take a look at a few investment options to generate regular income. <cmsannotation type="cmsannotation" annotationid="Mutual funds" comment="Subhead" text="Mutual funds"><keyword id="6357979" type="General" weightage="20" keywordseo="mutual-funds" source="Orion">Mutual funds</keyword></cmsannotation> Mutual funds are one of the best options to generate a regular income. Mutual funds offer a lot of flexibility. Through mutual funds you can get into each and every asset class apart from real estate- equity, debt, gold and even government bonds at a very low cost. “The systematic withdrawal plan (SWP) route works as well as a pension. You invest in a lump sum you set up a date, and that particular date, every month or at whatever frequency you want, the money will be credited to your account just like a pension,” says Suhas Harshe, money coach at MoniYogi Suhas Harshe, a financial planning firm. Also when you withdraw money from mutual funds, it does not get taxed as income from other sources and gets taxed as capital gains. If you get an income from a FD or from rental income, it is treated as income from other sources and falls into a 30% tax bracket if you fall in that category. But in mutual funds SWPs, long term equity funds capital gains enjoy a favourable tax treatment with indexation benefits that you do not get anywhere else. <cmsannotation type="cmsannotation" annotationid="Dividend paying stocks" comment="Subhead" text="Dividend paying stocks"><keyword id="138054" type="General" weightage="20" keywordseo="dividend-paying-stocks" source="Orion">Dividend paying stocks</keyword></cmsannotation> Investing in dividend-paying stocks can be a way to earn regular income. The benefits of such stocks include the potential for a higher income compared to traditional options like bonds or fixed deposits. Additionally, there's a chance that the value of these stocks may increase over time, offering the opportunity for capital growth. However, it's important to keep in mind the drawbacks, such as the uncertainty of stock prices, as they can fluctuate, impacting your income. Companies may also reduce or eliminate dividends in challenging economic conditions. <cmsannotation type="cmsannotation" annotationid="Annuity plans" comment="Subhead" text="Annuity plans">Annuity plans</cmsannotation> Insurance annuities can also provide a regular income, especially after retirement. “For a risk averse investor one could explore annuities as an option for regular income,” says Abhishek Kumar, founder and chief investment advisor at SahajMoney, a financial planning firm. However, annuities have their downsides as well. One notable drawback is their susceptibility to inflation, as fixed annuities might not keep up with rising living costs, eroding the income's real value. High upfront fees, charges, and early withdrawal penalties can also be burdensome, reducing the initial investment and limiting liquidity for unforeseen financial needs. <cmsannotation type="cmsannotation" annotationid="Rental income" comment="Subhead" text="Rental income">Rental income</cmsannotation> Rental income can provide a regular income source but offers both advantages and disadvantages. On the positive side, it provides a steady income stream, often in the form of monthly or quarterly rent payments. Real estate also has the potential for long-term capital appreciation, serving as a wealth-building strategy alongside rental income. Additionally, it offers the security of owning a tangible asset with less susceptibility to market volatility compared to stocks. However, there are drawbacks to consider. Acquiring a rental property can incur a high cost “To buy a rental property, the amount that you need to invest upfront is huge. Also once a tenant leaves and a new tenant comes, there is a gap in your income,” says Harshe. Property management can be time-consuming and costly, including dealing with tenant issues and maintenance. Real estate values can fluctuate, and selling quickly in adverse market conditions can be challenging. Economic factors can also affect rental demand and income potential. What investment option you choose to generate a regular income would depend on several factors. But one or more options can be considered to generate a regular income, after keeping in mind the pros and the cons.

For a regular, steady income from investments, consider these options

<ul class="summary-list"><li>Warren Buffett advises against trying to time the market, and recommends holding for the long term.</li><li>Robert Kiyosaki just recommended a dollar-cost averaging approach aligned with Buffett's strategy.</li></ul>Warren Buffett has <a href="https://markets.businessinsider.com/news/stocks/warren-buffett-10-best-quotes-investing-market-crashes-2020-5-1029191115">endlessly warned</a> casual investors against trying to time the market, and <a href="https://www.businessinsider.com/personal-finance/warren-buffett-recommends-index-funds-for-most-investors">recommended</a> they regularly put small sums of money to work instead. Robert Kiyosaki echoed the famed stock picker's advice in a <a href="https://twitter.com/theRealKiyosaki/status/1716298498638024822" target="_blank" rel="noopener">X post</a> on Sunday."Gold dropped $10 today. Silver 14 cents. This is where 'Dollar Cost Averaging' pays off. Rather than pretend to be Warren Buffet picking bottoms I am an average investor 'accumulating' the asset I want for the long term," Kiyosaki wrote."I have been accumulating gold, silver, BC and real estate for years. My first gold coin cost $50. Today that same coin is worth $2000. You can become rich by being an average investor, using dollar cost averaging to get rich. Take care." Buffett, the billionaire CEO of <a href="https://markets.businessinsider.com/stocks/brk-b-stock">Berkshire Hathaway</a>, might push back on the idea that his skill is "picking bottoms" — he famously seeks to buy "<a href="https://markets.businessinsider.com/news/stocks/warren-buffett-jeremy-grantham-apple-coke-quality-stocks-portfolio-returns-2023-9#:~:text=Warren%20Buffett's%20taste%20for%20quality,stock%20buybacks%20earlier%20this%20year.">wonderful businesses at a fair price</a>," and says his "<a href="https://markets.businessinsider.com/news/stocks/warren-buffett-berkshire-hathaway-stock-portfolio-gain-top-holdings-apple-2022-2">favorite holding period is forever</a>."However, Buffett would undoubtedly agree with Kiyosaki that unsophisticated investors can get rich by spreading their purchases over time and holding for the long run. That strategy evens out the peaks and troughs in the prices they pay, and enables their investments to <a href="https://markets.businessinsider.com/news/stocks/warren-buffett-deputy-ted-weschler-roth-ira-best-stock-investments-2021-6">compound in value</a> for decades.Kiyosaki — the author of "Rich Dad Poor Dad" and a personal-finance guru — has <a href="https://markets.businessinsider.com/news/currencies/rich-dad-poor-dad-author-robert-kiyosaki-crash-bitcoin-gold-2023-5">repeatedly touted</a> gold, silver, and bitcoin as better bets than the dollar. He's bearish on the greenback as he expects inflation and rapid growth in the US money supply to erode its value for years to come."Gold will soon break through $2,100 and then take off. You will wish you had bought gold below $2,000. Next stop gold $3,700. Bitcoin testing $30,000. Next stop Bitcoin $135,000. Silver from $23 to $68 an ounce. Savers of fake dollars F'd. Please tell your friends to 'Wake up.' Take care," he <a href="https://twitter.com/theRealKiyosaki/status/1715415782946115751" target="_blank" rel="noopener">posted</a> on X last week. Kiyosaki is known for his dramatic predictions and dire pronouncements. For example, he <a href="https://markets.businessinsider.com/news/stocks/kiyosaki-rich-poor-dad-stock-market-outlook-crash-economy-depression-2023-7">sounded the alarm</a> this summer on a "severe stock market crash," and not just a recession but a "depression."However, the benchmark S&amp;P 500 and tech-heavy Nasdaq Composite indices have advanced 10% and 24% this year. Meanwhile, the US economy has continued to grow, unemployment has remained near historic lows, inflation has dropped from over 9% last summer to below 4% in recent months, and the Federal Reserve has <a href="https://markets.businessinsider.com/news/funds/inflation-fed-rate-hikes-done-tom-lee-el-erian-2023-8">signaled</a> it's nearly finished with its painful procession of interest-rate hikes.

'Rich Dad Poor Dad' author echoes Warren Buffett's signature warning against trying to time the market

<ul><li>Zoe is a Gurgaon-based startup branding itself as a health and wellness brand. </li><li>The startup saw a steep decline in its sales after Covid — from ₹10 crore in FY21 to ₹3 crore in FY22. </li><li>Shark <keyword id="127971" type="General" weightage="80" keywordseo="anupam-mittal" source="Orion">Anupam Mittal</keyword> called the product ‘a sin’ and said that founders lacked the requisite knowledge.</li></ul>In recent years multiple businesses have cropped up claiming to offer a healthier lifestyle with novel diet plans — but few have been able to back up the claim. As per the <keyword id="11924074" type="General" weightage="100" keywordseo="shark-tank-india" source="Orion">Shark Tank India</keyword> S2 panel, the latest startup to appear on the show — Zoe Nutrition for Life (Zoe) may be one such. Founded by husband-wife duo Karan Jindal and Taniya Dhirasaria, Zoe is a Gurgaon-based startup branding itself as a health and wellness brand providing diet programmes and wellness products like detox kits, wellness teas, etc. The sharks were left unimpressed with their products, with Anupam Mittal (founder, Shaadi.com), going so far as to call their business “a sin”. “I believe you know very little about health and human anatomy. I consider what you’re doing akin to a kind of sin… it’s a heavy word (but) it’s true,” said Mittal. <cmsannotation type="cmsannotation" annotationid="A steep decline in sales" comment="subhead2" text="A steep decline in sales">A steep decline in sales</cmsannotation> When Jindal and Dhirasaria started Zoe, neither of them had any educational background or work experience in the field of diet and nutrition. Prior to Zoe, Dhirasaria managed growth and revenue for the e-commerce platform Myntra and Jindal was running another startup, Indians Realty Exchange — a real estate social network for brokers. In the six years of running their business, the couple claimed to have undertaken international courses on human anatomy, wellness and interacted with doctors and nutritionists. Zoe currently has a nutritionist and a doctor on its team, the founders shared. The founders shared that Zoe recorded lifetime sales of ₹43 crore in six years — with sales worth ₹10 crore during Covid in FY21. However, there was a steep decline in sales in FY22 to just ₹3 crore. At the time of appearing on the show, the startup was recording monthly sales of ₹10 lakh. The couple attributed the declining sales to parenthood — they had two children in a short period of time and took a break from running the business to raise the children. The decline in business also led to the startup going from a team of 40 people to just 7. However, their reasoning didn’t sit well with boAt co-founder Aman Gupta, who backed out from investing because he believed they left behind their first child — their business. “When I had my first child, my wife looked after one baby and I looked after the other baby — which was boAt. You did injustice with your business. You said, let it (the business) slack,” commented Gupta. <cmsannotation type="cmsannotation" annotationid="A product that lacked depth" comment="subhead2" text="A product that lacked depth">A product that lacked depth</cmsannotation> Meanwhile, co-founder of CarDekho.com, Amit Jain believed that Zoe saw a decline in sales due to increased competition after Covid — and not the pressures of parenthood. He backed out stating the product lacked depth because the founders didn’t have the requisite experience in the field and even advised them to shut shop. Mittal, who had the most apprehensions about the product, claimed that the business was failing due to a lack of repeat customers because Zoe’s diet and detox plans were ineffective. Mittal added that Zoe’s detox diet plans involved drinks rich in sugar that would actually increase the urge to eat because of instant spikes and drops in glucose levels. “Anything is being sold in the market in the name of health. People think it (a plan or product) worked on them, so they can package and sell it. That’s not business, that’s cheating in my books,” remarked Mittal. Namita Thapar, executive director of Emcure Pharmaceuticals, also backed out stating that her philosophy of detox is very different from what the founders were selling — she believed in fresh produce, rather than packaged products for detox. Peyush Bansal, the co-founder of Lenskart, also blacked out but called the founders an “amazing combo” and advised them to learn from their mistakes and move forward. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/shark-tank-india-insta-born-startups-others-leveraging-the-platform-to-build-business/slidelist/98124974.cms">Shark Tank India - Insta-born startups &amp; others leveraging the platform to build business</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/finance/banks/news/senior-citizen-fd-here-are-the-features-interest-rates-offered-by-various-banks/articleshow/98148773.cms">Senior citizen FD: Here are the features &amp; interest rates offered by various banks</a>

Shark Tank’s Anupam Mittal calls this startup’s wellness offerings ‘a sin’

<ul class="summary-list"><li><keyword id="882149" type="PERSON" weightage="60" keywordseo="Azealia-Banks">Azealia Banks</keyword> and her fiancé <keyword id="10918344" type="UNKNOWN" weightage="60" keywordseo="ryder-ripps">Ryder Ripps</keyword> uploaded an audio sex tape as an NFT. It was sold for $17,000</li><li>Less than 12 hours later it was listed to be resold for over $260 million.</li></ul>Rapper Azealia Banks sold her audio sex tape with her fiancé Ryder Ripps for $17,000 as an NFT, or a non-fungible, token, which essentially allows individuals to sell digital objects as one-of-a-kind via <a href="https://www.businessinsider.com/what-is-cryptocurrency">cryptocurrency</a>. Now, the sex tape is being resold for over <a href="https://opensea.io/assets/0x3B3ee1931Dc30C1957379FAc9aba94D1C48a5405/4138">$260 million</a>.<keyword id="902592" type="PERSON" weightage="60" keywordseo="NFTS">NFTs</keyword>, as <a href="https://www.businessinsider.com/what-does-nft-mean-crytpo-non-fungible-tokens-art-explained-2021-2">Insider's Grace Kay previously wrote</a>, are "a special class of digital assets that cannot be exchanged with one another for equal value or broken down into smaller values like most currencies." The digital products sold on the <keyword id="6357017" type="DEFINITION" weightage="60" keywordseo="cryptocurrency">cryptocurrency</keyword> market can range from anything like <a href="https://www.businessinsider.com/beeple-response-to-nft-selling-for-69-million-reaction-video-2021-3">digital art</a> or virtual real estate to now, the first-ever NFT audio sex tape - <a href="https://www.vice.com/en/article/7k9y4b/azealia-banks-sex-tape-album-nft">Vice reported</a> - which Banks posted.The audiotape, published on the NFT marketplace Foundation on March 6 and titled "I F----D RYDER RIPPS," is said to be a 24-minute long recording of Banks and her fiancé having sex that was uploaded and listed for 10 Ethereum - a cryptocurrency - valued at over $17,000. Less than 12 hours later, an artist who goes by the name of <a href="https://uproxx.com/music/azealia-banks-nft-sex-tape/">Rulton Fyder</a>, purchased the tape. According to Fyder's website, he is an anonymous artist "best known for his recontextualisation of other artists' works to capture time and emotion in the NFT art realm," though Fyder's online history only goes back days. It's unclear who Fyder is but there is speculation it could be artist Richard Prince, who <a href="https://news.artnet.com/art-world/wet-paint-richard-prince-secret-gallery-1916027">occasionally goes by the alias</a> <a href="https://www.instagram.com/fulton_ryder/">Fulton Ryder</a>.Ripps told Insider in an emailed statement that he's emailed Fyder but he still doesn't know who this person is. "The fact they already have a show at an established gallery would tell me its someone established in the art world," Ripps wrote, "but I really have no idea, could all be some type of ruse who knows."Once the sale was completed, Fyder was granted "full ownership of the album, as well as distribution and display rights, and sole access to the audio including a WAV file and the only signed LP vinyl record of the sex tape in existence," Vice <a href="https://www.vice.com/en/article/7k9y4b/azealia-banks-sex-tape-album-nft">wrote about the sale</a>.On Wednesday, Banks uploaded a screenshot of the resale of the NFT on her Instagram account, showing it priced at over $260 million."Literally - the most expensive NFT ever," the artist wrote in the caption. "Don't you love how We came, saw, and conquered this s--t in a matter of 48hrs? The f---ing iconnery."Ripps also told Insider he would make a profit off the sale of the NFT. "I am told by the foundation that there is a 10% royalty built into the smart contract," he wrote in an email. This means he could potentially see $26 million if it is sold.The Harlem-born rapper then posted another image of a Wikipedia page showing the most expensive art purchases of all-time with her audio NFT sex-tape sitting in fourth place. The image, however, appears to either be edited, or the Wikipedia edit was short-lived. The tape isn't currently on the Wikipedia page, and the actual list is for "highest prices paid." And nobody has actually paid the inflated price for the tape yet.Banks is no stranger to controversy. She's been embroiled in many scandals including most recently when she announced her engagement on social media and wrote "I'm Jewish now." One commenter responded, "It doesn't work like that" and she shot back with a <a href="https://www.insider.com/azealia-banks-engaged-jewish-transphobia-response-backlash-2021-2">transphobic rant</a>.She also <a href="https://www.insider.com/azealia-banks-dead-cat-remains-instagram-post-2021-1">made headlines</a> after seemingly posting a video of herself digging up her dead cat's remains and seemingly boiling it into a soup. The 29-year-old rapper poked fun at this moment when she <a href="https://www.instagram.com/p/CMNd8gjAd2i/">posted a screenshot update</a> from the pop <keyword id="24504" type="ORGANIZATION" weightage="100" keywordseo="culture">culture</keyword> account on Twitter called Pop Crave to Instagram. In the caption of the screenshot, she wrote "Cat. Soup."Banks did not immediately respond to Insider's request for comment.UPDATE: Insider updated this story to include comments from Ryder Ripps.

Azealia Banks and Ryder Ripps' NFT sex tape is being resold for over $260 million by the anonymous RultonFyder

<div class="KonaFilter image-container display-table"><div><div class="image on-image"></div></div></div><ul class="summary-list"><li>Former Trump adviser Roger Stone on Sunday posted a message on Instagram calling for former CIA Director John Brennan to be hanged.&#xa0;</li><li>"This psycho must be tried, charged, convicted, and hung for treason," read the message with a picture of Brennan.</li><li>Stone is currently awaiting the start of his trial after being charged with obstruction, witness tampering and lying to investigators by the Mueller probe.&#xa0;</li><li>Brennan is one of Trump's staunchest critics, and a frequent target of the president.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul>Roger Stone, a former adviser to President Donald Trump, posted a story to Instagram saying that former CIA director John Brennan should be "hung for treason."The post was later removed from Instagram, reportedly for violating its policies.Stone posted the story Sunday which contained a picture of Brennan and the message "this psycho must be tried, charged, convicted, and hung for treason."He is longtime associate of Trump who advised the real estate mogul's presidential campaign until August 2015, and has a reputation for controversial posts on Instagram.The message was first reported by CNN's Brian Stelter. The network's national security analyst Sam Vinograd <a href="https://twitter.com/sam_vinograd/status/1135251932682100736">tweeted that Instagram</a> told her Instagram took the post down after she reported it.&#xa0;David Martosko, the US Political Editor for DailyMail.com, posted an image from the story showing Stone's attack on Brennan:&#xa0;Stone's attorney, Robert Buschel, did not immediately return a request for comment.&#xa0;Stone was one of the Trump associates charged by former special counsel Robert Mueller's probe into Russian interference.In January he was indicted on counts of obstruction, witness tampering and lying to investigators. Stone, a veteran political operative and self-declared "dirty trickster," has said the charges are politically motivated.He is scheduled to stand trial in Washington DC in November.&#xa0;It's not the first time Stone's incendiary social media posts since his arrest have created controversy.In February Judge Amy Berman placed a gagging order on Stone after he posted an image on Instagram depicting her in the crosshairs of a rifle.&#xa0;Among other messages Stone posted on his instagram feed on Sunday was a sartorial tip, a picture of his wife, and praise for the hairstyle Trump briefly sported at an event in Virginia on Sunday."I've known <a href="https://www.instagram.com/realdonaldtrump/">@realdonaldtrump</a> for 40 years. I don't think he's ever looked better !" wrote Stone.&#xa0;John Brennan is one of the president's staunchest critics, and in August 2018 the Trump administration revoked his security clearance, citing "erratic conduct and behavior.'<div></div> <div class="margin-top"> <h3>NOW WATCH: <a href="https://www.businessinsider.com/fox-news-opinion-programs-white-supremacist-rhetoric-great-replacement-2019-5">Fox News pundits are using white supremacist language tied to 'The Great Replacement' conspiracy theory</a></h3> <div> </div> </div>

Former Trump aide Roger Stone called for ex-CIA chief John Brennan to be hanged for treason in now deleted Instagram post

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>An activist lawyer in Austin admitted in a Facebook rant that he was behind the "Exclusively for White People" stickers that appeared on store windows across the city last week, <a href="http://www.mediaite.com/online/local-lawyer-admits-to-putting-exclusively-for-white-people-stickers-on-austin-stores/">Mediaite</a> reported.Adam Reposa, who calls himself the 'DWI Badass' on his <a href="http://www.dwibadass.com">website</a>, wrote on his <a href="https://www.facebook.com/adam.reposa?fref=ts">Facebook page</a> that he vandalized storefronts in an attempt to get people to care about gentrification."I never imagined it would be this easy," he wrote on March 19. "Remember it is valuable to see just what giving a f*ck does to people as well as what not giving a f*ck does for people."Adam and his friends posted on his Facebook wall mocking Austin authorities, saying the prank's cultural statement went "way over their heads." "Amazed at how many folks completely missed the satire of Adam Reposa's brilliantly disruptive yet pretty much harmless "white people stickers," wrote <a href="https://www.facebook.com/evan.bozarth?fref=nf&amp;pnref=story">one Facebook user</a>. "The new Mayor and Rep Dawna Dukes and even the NAACP chairman all missed the point, diverted the discussion, and they totally squandered their opportunity to address the very real problem of gentrification and systemic racism in Austin."Reposa later <a href="https://www.youtube.com/watch?v=ZGzSBslnIQQ">recorded a video</a> further explaining his motivations for the stunt. In it, he says that he wanted to make people aware of how gentrification was driving blacks out and turning Austin into a "whites only" town.<div class="KonaFilter image-container display-table"><div><div class="image on-image"></div></div></div>"I knew I could bait y'all into being as stupid as you are, just by allowing the issue to be framed in the most simple way," Reposa said. "Like, 'Oh, he said an offensive term - let's not worry about the actual condition of the way things are.'"During the SXSW Music, Film + Interactive Festival last week, at least six Austin, TX businesses were plastered with stickers reading "Exclusively For White People. Maximum of 5 colored customers. Colored BOH staff accepted. Sponsored by the City of Austin Contemporary Partition and Restoration Program." The stickers also featured an official City of Austin logo, according to the <a href="http://www.huffingtonpost.com/2015/03/19/whites-only-stickers-austin_n_6904296.html">Huffington Post.</a>Texas residents, lawmakers and NAACP representatives deemed the vandalism a hate crime, but if Reposa is telling the truth, the prank appears now to have been nothing more than a social critique of the city's increasing gentrification. "Why I did it is pretty clear," a shirtless Reposa says in the video, "because it would be obvious that even though people know the real problem -- and the problem is people without money are getting f****d -- they're getting pushed out, and pretty quick."<div class="KonaFilter image-container display-table"><div><div class="image on-image"></div></div></div>To some extent, Reposa has a point. Austin is the fastest-growing city in the US, gaining more than 40,000 new residents every year. These new residents are, for the most part, white and wealthy and they are pricing poorer, mostly minority residents out of their homes and neighborhoods, according to the <a href="http://www.dailytexanonline.com/opinion/2014/03/30/austins-growing-population-is-gentrifying-the-citys-east-side-and-hurting">Daily Texan</a>.<div class="page" title="Page 1"><div class="layoutArea"><div class="column">"Among the ten fastest growing major cities in the United States, Austin stood out in one crucial respect," researchers stated in a <a href="http://www.utexas.edu/cola/insts/iupra/_files/pdf/Austin%20AA%20pop%20policy%20brief_FINAL.pdf">report</a> released last year by the UT Austin Insitute for Urban Policy Research and Analysis. "It was the only such city that suffered a net loss in its African-American population" between 2000-2010.</div></div></div>The slogan "<a href="http://nation.time.com/2013/07/05/the-fight-over-keeping-austin-weird/">Keep Austin Weird</a>" started trending a few years ago among residents hoping to preserve the city's identity as a cultural melting pot. But the city is only becoming more homogeneous as <a href="http://www.austinchronicle.com/news/2014-03-28/then-theres-this-montopolis-is-cool-with-uncool/">real estate developers</a> push African-Americans and other minority groups out of East Austin and into run-down not-quite-suburban areas.Economic segregation between the city's haves and have-nots has inevitably resulted in the racial segregation of its residents, reminding many of the city's 1928 '<a href="http://www.statesman.com/news/news/local/census-data-depict-sweeping-change-in-east-austi-1/nRZJD/#__federated=1">master plan</a>' to remove blacks from the city and force them into neighborhoods east of what is now Interstate 35. "Austin is quickly becoming a city of the privileged and the nonprivileged," the Rev. Freddie Dixon, who for 22 years served as pastor at Wesley United Methodist Church, told the <a href="http://projects.statesman.com/news/economic-mobility/divide.html">Statesman</a>. "Is that the kind of Austin we want?" <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/what-earth-would-look-like-if-ice-melted-world-map-animation-2015-2">Animated map of what Earth would look like if all the ice melted</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="5xam5iczrSx4Ibx8MvarDsu3zOG88omE" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

A lawyer in Austin, Texas has admitted putting 'Whites only' stickers on stores

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">LDVJohn Meadow, President of LDV Hospitality (right)</div></div></div>You are at a party and it's swelteringly hot. In fact it's one of those super-sticky hot weekends at the end of the summer when the sun is relentless and breathing makes you thirsty.Your party is in Montauk, in the Hamptons, and it's really your party - as in, you are throwing it. That means the 4,000 or so people who've assembled outside need bottle service. The music is loud and they need drinks. The sun is hot and they need them now. Of course, you've run out of buckets to put all these bottles in, and it's the first summer you've ever thrown parties at what is now your club/restaurant in Montauk.So what do you do? You go to the kids playroom inside the resort that your restaurant is in. You steal all of their sand pails - every last one of them. You fill them with water and ice so you can fill them with vodka and champagne, and then you keep your party going.Because it's your job. That's what it takes to make it to the top of New York nightlife. You've got to be creative.That's how Ashley Noor did it one summer day last year, after she and the rest of her crew at LDV Hospitality followed founder and President John Meadow on a damn-fool venture to open 10 properties - multiple American Cut Steakhouses, Scarpettas, Rec Rooms, Dolces and more - across the country in two years. This, of course, included the property at Gurney's in Montauk - a project they built out in a matter of about four months. Noor calls herself the "director of chaos." Her official title is Director of Marketing &amp; Events.<h2>'The tough times'</h2>LDV wasn't always like this. Meadow, who started out with a successful NYC bar called Local West, himself will tell you that he was an insufferable 25 year-old industry kid. After his first hit he got cocky, and opened a super glitzy Meatpacking spot called Gin Lane in 2005. His lenders - who gave him $2.5 million - insisted on 18% interest and it flopped. "I was so reckless. Ambition and entitlement from premature success," he said. "I had the time of my life, but I was fake."Now, at 36, Meadow is not fake. He wears what he wants (usually something tailored and maybe suspenders). He still talks like he's in the Rat Pack even though he was raised by hippies, and he still swears by his mentor, a Korean immigrant who went from driving taxis to owning Lenwich, a 19-unit New York sandwich shop."I learned more from that guy than my Cornell professors," said Meadow, a graduate of Cornell's hospitality school. "I went to fancy boarding school. Academia is wonderful, but I learned more from that immigrant turned taxi driver, hustler, big shot. That's my teacher and he's supportive."But of course, Meadow and his teacher travel in very different circles. He got out of the "tough times" or "the gutter" of debt (as he calls it) by opening a 2,700 square foot fine dining monster hit when everything was going to hell in 2008: Scarpetta, an Italian restaurant in the Meatpacking District. "Even when I was imploding I thought I was special. I thought I was f---d, but I thought I was special," Meadow said.<div class="KonaFilter image-container display-table"><div><div class="image on-image">LDVAt Gurney's in Montauk</div></div></div><h2>The wheel</h2>If you were in New York City during the financial crisis, you'll recall that everyone was crowded into Scarpetta eating pasta until it and they burst. Its success was the springboard for LDV's explosive growth: 30 properties in 9 years, according to Director of Hospitality Dean Tsakanikas, who has been with the company since 2008.In that time he's criss-crossed the continent opening properties from the Las Vegas to Miami, Toronto to Atlantic City. He started out as a general manager, but soon came to realize that Meadow was collecting properties that could benefit from interconnected branding."It dawned on me that more and more guests didn't realize that Scarpetta was part of the same company" as, say, NYC club No. 8, the reboot of Amy Sacco's classic Bungalow 8, or Iron Chef champion Mac Forgione's American Cut.<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">LDVMarc Forgione at American Cut Midtown in NYC</div></div></div>So they decided to put it all together.Tsakanikas, for his part, knew what he wanted to do. He wanted to be the guy that knows the clients inside and out - knows where to send them, what to serve them, how much they spend and who they spend it with.That means Tsakanikas is the guy who knows which woman is Wall Street guy #5's wife, and which one is his girlfriend. He tracks his VIPs from sipping cocktails on Miami Beach to skiing in Aspen. Customers likely have soft hands and wear designer threads. They like discretion and velvet ropes. But they, like LDV, are not loud. They are not megaclub or clubstaurant people. What they do expect is top notch service and familiarity despite the fact that they've left home. Things should taste the same, cost about the same (expensive). Staff should know them. This experience is not about adventure, it's about lifestyle maintenance.LDV has a tracking system for repeat customers, and Tsakanikas is militant about it. The use the <a href="https://www.sevenrooms.com/products">Seven Rooms</a> app to track what clients eat, drink, their average spend, allergies, what to send out gratis and when to send it. It spits out monthly reports.<h2>This is what we do</h2>Meadow has a board up in his office where he pins pictures that inspire his classic-meets-slightly gritty New York in the late-1970s sensibility. Debbie Harry of Blondie was the inspiration for the look of his latest New York City opening, American Cut in Midtown.In many ways, he says, it was the easiest opening he ever did. He knows American Cut, he knows his customer, and most importantly, he knows his customer is willing to spend 25% more on a night out in that neighborhood than in American Cut's Tribeca location.<div class="KonaFilter image-container display-table"><div><div class="image on-image">LDVThe dining room in American Cut Midtown</div></div></div>It also happens to be a perfect example of what LDV does - or what Meadow has managed to crystallize as what LDV does over the last decade. It has a lot to do with the fact that he has a relationship with eight different hotel properties."What are we as a company and how are we going forward? Hotels always need proper dining... it's the bonafide programming of big real estate. Now we are a marketing vehicle for big real estate and it's in those deals that we get the best economic terms," said Meadow.Those terms, in part, stand to net LDV $100 million in revenue in 2016, compared to $85 million in 2015, according to the company.What those terms won't get you is a lot of love from the food world. Die hards will tell you it's inauthentic. They will tell you that hotel food is soulless, and that expensive entrees are an insult to the proletariat. They'll tell you expansion is extinction and that LDV is "the man".Meadow calls this the "trend of 2016, the eater.com ride-or-die hipster funky chefs and their 15-seat restaurants." He knows about that. But LDV doesn't do that. Meadow finally knows what they do."I've always had a vision for my chaos. Now I'm finding finally for the first time a business strategy and I'm ready to define a 5-year plan, 10 years into this game." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/alibaba-jack-mas-secrets-to-success-2016-5">REVEALED: Alibaba founder Jack Ma's secrets to success</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="htYmNtMzE6dD7eBpI_wAtO8n2X-00eMe" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

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