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<ul class="summary-list"><li>US stocks were slightly higher Friday, adding to records as investors processed the election and the Fed. </li><li>The Fed cut interest rates by 25 basis points on Thursday and signaled more cuts ahead.</li></ul>US stocks rose on Friday as investors digested the postelection surge in major US indexes.Stocks are headed for the best week of 2024, with the <a target="_blank" class="" href="https://markets.businessinsider.com/index/s&amp;p_500">S&amp;P 500</a> on track for a 4% gain, while the <a target="_blank" class="" href="https://markets.businessinsider.com/index/nasdaq_100">Nasdaq 100</a> is up more than 5%.In addition to the swift outcome of the Presidential election on Tuesday, with President-elect Trump securing a second term in the White House, investors were met with another interest rate cut from the Federal Reserve.Fed Chairman Jerome Powell slashed the benchmark rate by 25 basis points on Thursday and signaled that there are likely more rate cuts ahead as long as inflation doesn't rebound."The key takeaway is the Fed continues to be dovish and this coupled with the positive seasonality, supports stocks into year-end," Fundstrat's Tom Lee said in a Friday note.According to the CME Fed Watch Tool, investors see a 68% chance of another 25 basis point rate cut at next month's Fed meeting. Also helping push stocks to record this week is solid earnings, with third-quarter results starting to wrap up.So far, 90% of S&amp;P 500 companies have reported earnings results. According to Fundstrat data, 77% of those companies beat profit estimates by a median of 6%, while 59% beat revenue estimates by a median of 6%.Investors will turn their attention to inflation data next week, with the October Consumer Price Index set to be released on Wednesday and the October Producer Price Index set to be released on Thursday.Here's where US indexes stood shortly after the 9:30 a.m. opening bell on Friday:<ul><li><a target="_blank" href="https://markets.businessinsider.com/index/s&amp;p_500?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets">S&amp;P 500</a>: , 5,983.71 up, 0.18%</li><li><a target="_blank" href="https://markets.businessinsider.com/index/dow_jones?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets">Dow Jones Industrial Average</a>: 43,788.96, up 0.14% (+59.62 points)</li><li><a target="_blank" href="https://markets.businessinsider.com/index/nasdaq_composite?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets">Nasdaq composite</a>: 19,290.78, up 0.11%</li></ul>Here's what else is going on:<ul><li><a target="_blank" class="" href="https://www.businessinsider.com/nvidia-replace-intel-dow-jones-industrial-average-2024-11">Nvidia and Sherwin-Williams joined the Dow Jones Industrial Average on Friday, replacing Intel and Dow, respectively.</a></li><li><a target="_blank" class="" href="https://www.businessinsider.com/big-tech-winners-losers-trump-election-win-according-to-market-2024-11">Here are mega-cap tech's winners and losers from Trump's election win, according to the stock market.</a></li><li><a target="_blank" class="" href="https://www.businessinsider.com/trumps-tariffs-threats-world-ceos-thoughts-trade-2024-11">CEOs worldwide are already talking about the potential impact of tariffs on their businesses.</a></li><li><a target="_blank" class="" href="https://www.businessinsider.com/polymarket-whale-banked-85-million-profit-trump-president-election-win-2024-11">The Polymarket 'whale' actually made $85 million on his Trump election bet, nearly double than originally thought.</a></li></ul>In commodities, bonds, and crypto:<ul><li><a target="_blank" href="https://markets.businessinsider.com/commodities/oil-price">West Texas Intermediate</a> crude oil declined 1.24% to $71.34 a barrel. <a target="_blank" href="https://markets.businessinsider.com/commodities/oil-price">Brent crude</a>, the international benchmark, was lower by 1.07% to $74.82 a barrel.</li><li><a target="_blank" href="https://markets.businessinsider.com/commodities/gold-price">Gold</a> jumped 0.09% to $2,708.30 an ounce.</li><li>The 10-year Treasury yield declined 2 basis points to 4.316%.</li><li><a target="_blank" href="https://markets.businessinsider.com/currencies/btc-usd">Bitcoin</a> gained 0.30% to $76,150.</li></ul>

Stock market today: Indexes edge up to head toward the best week of the year

<ul class="summary-list"><li>Investors boosted stocks after Donald Trump won a second term.</li><li>But investors shouldn't depart from their long-term investing plan, Morningstar's Dave Sekera says.</li></ul>Investors had a field day on Wednesday, <a target="_blank" class="" href="https://markets.businessinsider.com/news/stocks/trump-election-win-stock-market-today-record-high-sp500-dow-2024-11">plowing money into the stock market</a> following the news that former president Donald Trump had won a second term. The S&amp;P 500 rose 2.5%, while the Dow Jones Industrial Average ended the day up a whopping 3.5%.But even as prices soar, it's important not to get caught up in the mania beyond your normal risk tolerance, warns Morningstar Senior US Market Strategist Dave Sekera."Don't let any of these dire headlines that you may see here in the short term dissuade you from your long-term investment objectives," Sekera said in a webinar on Wednesday morning."Based on your risk tolerance, I probably wouldn't be making any changes here today," he continued. "And when you do make changes, make sure that you're only making changes when there's really a change in your underlying fundamentals and only make changes in your portfolio based on an informed analysis."While not letting near-term developments derail your plan for your portfolio is classic advice, Sekera said there's another reason to be extra cautious: stock valuations are at some of their most expensive levels in the last decade-and-a-half."When I look at the market today, it is trading, with today's bump, probably a 3% to 4% premium above fair value," he said. "Now, a lot of investors may say, 'Eh, 3% to 4% doesn't sound like that much from a market point of view,' but when I look at our valuations going back to 2010, less than 20% of the time have we seen the market trade at this much of a premium or more."While Morningstar has its own proprietary valuation measures, common metrics show the S&amp;P 500 is indeed expensive. Below is the Shiller cyclically-adjusted price-to-earnings ratio, for example. It's a 10-year rolling average of the market's trailing 12-month PE ratio.<div type="image" title="shiller cape ratio" height="943" width="1242" msid="115062287" hostid="261" sizebytes="44672"></div>These valuation levels have prompted some <a target="_blank" class="" href="https://www.businessinsider.com/stock-market-crash-why-sp500-decade-weak-returns-goldman-jpmorgan-2024-11">top investment banks</a>, including Goldman Sachs, to warn of relatively poor returns in the coming decade.At the same time, investors are probably right to be excited about the prospect of lower taxes and regulation, Sekera said. Even what some investors may view as negatives, like tariffs and the potential inflation that could result from them, may end up being a boon for stocks, he said."From the stock point of view, for those companies that have pricing power, that actually could end up helping them generate some additional earnings growth," he said.If Republicans end up taking a majority in the House of Representatives alongside their victory in the Senate and the White House, bullishness around more tax cuts may especially be well founded, according to Sekera.Still, markets are unpredictable, and investors shouldn't overreact to events like elections, as there are many variables at play beyond who is in political power — like starting valuations. Sekera pointed to a recent article from his colleague John Rekenthaler, where he highlighted that oil stocks have done much better under President Joe Biden than they did during Trump's first term, despite their differing attitudes toward the fossil fuel industry.That's again why Sekera is urging restraint, with the market being expensive. That is particularly true for growth stocks, which trade at a "very large premium," he said.Value stocks and small-caps are where Sekera sees the most opportunity — especially in the latter."The small-cap space, even with today's bump, it's still the most undervalued part of the market in our view," he said.

Why you shouldn't get caught up in the post-election stock-market frenzy: Morningstar

<ul class="summary-list"><li>Ashley Bethea transitioned from the Air Force into a job as a government contractor.</li><li>Veterans can face challenges translating their military skills to civilian roles.</li></ul>Last summer, during her final month in the Air Force, Ashley Bethea cried almost every day.Bethea, 40, felt on edge about giving up part of the identity she'd held since she was 18. She was also nervous about making it in a civilian job market, where she had no experience."For 21 years, the military was who I was," Bethea told Business Insider. "I had no clue what corporate America looked like."Her predicament is one that often confronts military members attempting to shift from drills and missions to slide decks and sales targets.<div type="image" title="Ashley Bethea takes a selfie in uniform" height="878" width="1170" msid="115189951" hostid="261" sizebytes="41546"></div>Employers often face the inverse challenge: not knowing how veterans' abilities might translate to a civilian workforce, executives who work with vets told BI. These advocates for hiring veterans said that by looking a little closer at the skills undergirding veterans' experience, employers could help plug <a target="_blank" href="https://www.businessinsider.com/homebuilder-no-one-to-replace-retiring-boomer-construction-workers-2024-5">gaps in their workforces</a>.Bosses who dig into veterans' qualifications might like what they find. A 2023 LinkedIn report examining its users' experiences said veterans were three times as likely as those who hadn't served in the military to <a target="_blank" class="" href="https://socialimpact.linkedin.com/content/dam/me/linkedinforgood/en-us/veteran-report-2023/veterans-opportunity-report-2023.pdf">have a graduate degree or higher.</a>Yet at the same time, employers often overlook or discount military experience, LinkedIn found. The result: Veterans are only half as likely to rise to the level of director or VP even though they have almost double the work experience of nonveterans, the report said.The gap exists even as more employers say they're interested in prioritizing skills over pedigree. Even so, many hiring managers still scan résumés for <a target="_blank" href="https://www.businessinsider.com/employers-dropping-degree-requirements-slow-to-hire-for-skills-2024-10">four-year degrees</a> and prior experience in a role, hiring experts previously told BI.<h2 id="8192f62f-db42-4013-9640-b2e6593b5685">A résumé for the private sector</h2>Bethea, who retired from the Air Force at the end of July, turned to a nonprofit called <a target="_blank" href="https://www.hireheroesusa.org/">Hire Heroes USA</a> to help her translate her experience running logistics for deploying and returning airmen into something palatable to hiring managers. A representative from Hire Heroes helped Bethea craft her first-ever résumé."I just wanted to highlight that I could work all avenues of logistics, whether it be supply, transportation, people, equipment, or whatever the case was," Bethea, a mother of three, said.A Hire Heros USA advisor also helped coach Bethea on salary negotiations.Ross Dickman, CEO of Hire Heroes USA, told BI that one of the biggest challenges for people leaving their service is explaining how what they did in the military can be helpful to civilian employers.Dickman pointed to his own experience flying Apache helicopters during the dozen years he served in the Army."No employer really needs a helicopter that puts missiles into other things," he said.In addition to the obvious differences with civilian life, Dickman said, many members of the military chose to take on additional duties during the spare time they had while serving. That work might not be reflected in vets' records and can be difficult to capture, he said."That is where it gets murky and hard for an employer," Dickman said.Dickman said Hire Heroes USA works to help vets communicate about the skills that they possess. These can range from abilities in manufacturing to prowess in so-called soft skills like conflict resolution and negotiating.From there, Dickman said, Hire Heroes USA can go to employers and point to the abilities a veteran, service member, or military spouse possesses. Hire Heroes USA recently assisted its 100,000th veteran in the search for civilian employment, Dickman said.Vets tend to excel, Dickman said, in roles involving consulting, customer service, operations management, logistics, analysis, and project management."They have a lot more skills that informed the way that they executed as an infantryman versus just knowing how to use a rifle," Dickman said.That was the case for Jesse Gartman, 41, who spent four years in the Marine Corps. In 2007, about a year after returning home from Iraq, he responded to an ad on Craigslist looking for movers in New York City. Gartman loved the work and the flexibility it offered. Plus, it was lucrative, and the camaraderie echoed what he'd found in the military.Some three years later, with his back and shoulders hurting, Gartman decided he had what it takes to run a business. So, he started Veteran Movers NYC, employing mostly former military members. Gartman later sold that business and started another moving company in Oklahoma City, which he still owns. Now, back in New York City, Gartman is also doing business development work for another moving company.Gartman said that in his case and that of many vets he's worked with, they're "just happy to be alive." He added, "We take a lot of pride in what we do in life."<h2 id="c0f85961-1af9-4d05-9b79-21b2861a91af">Helping employers help vets</h2>Trina Clayeux, CEO of Give an Hour, a nonprofit that provides mental health support to veterans and their families, told BI that employers offering affinity groups or employee resource groups for veterans can help ex-military members feel more at home in civilian roles.Give an Hour also provides training and consulting services for employers on how to best support veterans.Clayeux said that employers often see veterans in somewhat one-dimensional ways by thinking they're good at getting things done or in leadership roles."They have so many other individual skills in between that they've picked up," Clayeux said.Clayeux said that's why it's important that hiring managers and supervisors should be curious about veterans' experiences and the skills they can bring to a workplace.A hiring manager's curiosity came through for Bethea, the newly minted Air Force veteran. She recently began a job as a government contractor at the Pentagon. Bethea's new role as a mission readiness airmen analyst builds on her decades of work in the Air Force."I enjoy logistics, and I still wanted to do it in my second life," she said.

Employers seeking skilled workers often overlook military veterans

In recent years, <keyword id="19902194" type="General" weightage="20" keywordseo="Anil-Ambani" source="keywords">Anil Ambani</keyword>'s <keyword id="20479923" type="General" weightage="100" keywordseo="Reliance-Group" source="keywords" meta.keywordsubtype="org" meta.entityname="Reliance Group" meta.hostid="153" meta.entityid="Reliance Group">Reliance Group</keyword> has seen marquee firms being auctioned in insolvency proceedings and piling debt-fold businesses. But the group has, in the week gone by, made announcements that investors believe may mark its transformation. In three days -- from September 18 to September 20 -- the group announced it has turned into nearly zero debt and is implementing long-term fundraising plans that are said to solidify its financial position. <keyword id="20144587" type="General" weightage="20" keywordseo="Reliance-Infrastructure" source="keywords" meta.keywordsubtype="org" meta.entityname="Reliance Infrastructure" meta.hostid="153" meta.entityid="Reliance Infrastructure">Reliance Infrastructure</keyword>'s board approved <keyword id="20431799" type="General" weightage="20" keywordseo="fund-raising" source="keywords">fund raising</keyword> of up to Rs 6,000 crore via preferential issue and QIP, while <keyword id="20024191" type="General" weightage="20" keywordseo="Reliance-Power" source="keywords" meta.keywordsubtype="org" meta.entityname="Reliance Power" meta.hostid="153" meta.entityid="Reliance Power">Reliance Power</keyword> board is meeting on September 23 to consider and approve the fundraise via multiple routes. The speed at which Anil Ambani moved to clear the debt of his companies, and simultaneously announce and execute the fund raising plans for future expansion of his companies, has surprised the investors. Shares of both firms surged on stock markets. The announcement to invest Rs 1,100 crore by the promoters group in Anil Ambani's flagship company, Reliance Infrastructure, has further boosted the confidence of investors in the group's revival plans and its long-term growth story, investors said. Anil Ambani's twin strategy of <keyword id="21440133" type="General" weightage="20" keywordseo="debt-reduction" source="keywords">debt reduction</keyword>, coupled with fresh capital raising, has set the stage for a long-term transformation of the Reliance Group, they feel. Reliance Infrastructure's <keyword id="20000950" type="General" weightage="20" keywordseo="market-capitalisation" source="keywords">market capitalisation</keyword> by the end of this week surged nearly 50%, rising from Rs 8,500 crore to Rs 12,500 crore. Similarly, Reliance Power's market capitalisation increased over 25%, moving from Rs 11,500 crore to Rs 14,600 crore. Reliance Infra announced a significant reduction in standalone external debt, lowering it from Rs 3,831 crore to just Rs 475 crore. This was achieved by clearing outstanding dues to prominent lenders such as Life Insurance Corporation of India (LIC), Edelweiss ARC, ICICI Bank, and Union Bank, according to company filings. The move signals a robust financial recovery and enhances Reliance Infra's financial flexibility. Also, Reliance Infra board approved a preferential issue to raise Rs 3,014 crore, increasing the stake of Risee Infinity Pvt Ltd, a promoter group entity, along with other investors such as Florintree Innovation LLP and Fortune Financial &amp; Equities Services Pvt Ltd. The board also approved seeking shareholder authorization to raise an additional Rs 3,000 crore via a qualified institutional placement. This will provide further capital to strengthen the balance sheet and invest in new growth opportunities. With these fund infusions, Reliance Infra's net worth is set to rise from over Rs 9,000 crore to more than Rs 12,000 crore, according to the filings. The company is now well-positioned to invest in high-growth sectors, investors said.

Anil Ambani's Reliance Group starts transformation journey, achieves near zero-debt

Each year, the Indian Union Budget holds the nation's economic pulse. In 2024, the focus was razor-sharp: catalysing the <keyword id="19916569" type="General" weightage="20" keywordseo="job-market" source="keywords">job market</keyword> and bridging the ever-widening skill gap, as the <keyword id="19916979" type="General" weightage="20" keywordseo="unemployment" source="keywords">unemployment</keyword> figures kept upward trajectory and dissatisfaction over government’s measures grew among the younger demographic. As a response, <keyword id="19955368" type="General" weightage="20" keywordseo="budget-2024" source="keywords">budget 2024</keyword> unveiled a meticulously crafted strategy, a multi-pronged attack to empower India's youth. The Union Budget 2024-2025 intends on focussing on youth and <keyword id="19898684" type="General" weightage="20" keywordseo="employment" source="keywords">employment</keyword>, prompting Finance Minister <keyword id="19916618" type="General" weightage="20" keywordseo="Nirmala-Sitharaman" source="keywords">Nirmala Sitharaman</keyword> to allocate Rs. 1.48 lakh crore for <keyword id="19907717" type="General" weightage="20" keywordseo="education" source="keywords">education</keyword>, employment and <keyword id="20374219" type="General" weightage="20" keywordseo="skilling" source="keywords">skilling</keyword>. Further, Modi 3.0’S budget includes 5 schemes to provide opportunities to 4.1 crore youth with a central outlay of Rs. 2 lakh crore over a period of the 5 years. <div type="Article" hostid="261" msid="111944393" title="Here&amp;#39;s a quick overview of PM Modi 3.0 government&amp;#39;s first budget, to be presented by FM Nirmala Sitharaman today" mstype="2" mssubtype="0"></div><h2>Nirmala Sitharaman announces 3 schemes for employment linked incentives:</h2><ul><li>Scheme A (First-timers): This will benefit first-time employees, providing one month’s wages to new entrants in all formal sectors. As per Sitharaman, Direct Benefit Transfer of one month salary in 3 instalments to first-time employees as registered in the EPFO will be up to ₹15,000. The eligibility limit will be a salary of ₹1 lakh per month. The scheme will benefit 210 lakh youth.</li><li>Scheme B (Job creation in manufacturing): This will provide incentives to both employees and employers for the first 4 years of employment under EPFO guidelines. It is expected to benefit 30 lakh youth and will cover additional employment across all sectors.</li><li>Scheme C (Support to employers): This will support employees with additional employment in all sectors by reimbursing employers up to ₹3,000 per month for two years for each additional employee's EPFO contributions. The scheme aims to incentivise the employment of 50 lakh additional people.</li></ul><h2>Improving participation of women in workforce</h2>As a part of Budget 2024-2025, Nirmala Sithraman announced that Modi 3.0 will focus on improving women participation in the workforce. The Government will focus on increasing women participation in the workforce. Some measures that will be taken include setting up hostels and creating partnerships to organise women-specific skilling programs and women self-help groups. <div type="Article" hostid="261" msid="111946291" title="Union Budget 2024-25 key highlights: Standard deduction to increase to Rs 75,000 from Rs 50,000 under new tax regime" mstype="2" mssubtype="0"></div> <h2>Additional incentives for employment </h2>Sitharaman announced the launch of a scheme where 500 top companies will provide internship opportunities to one crore youth in five years. Internship allowance of Rs. 5000 per month along with one-time assistance of Rs. 6000 to be provided, the Finance Minister also said that the companies will be expected to earn the training cost and 10% of the internship cost from their CSR funds. According to Mr. Ramesh Alluri Reddy, CEO at TeamLease Degree Apprenticeship, this “significant investment in skill development programs and the incentivization of industries to adopt comprehensive apprenticeships lays a solid foundation for a future-ready workforce. Integrating on-the-job training (OJT) as a mandated component of degrees, in collaboration with industry partners, allows students to gain invaluable practical experience, even if the training is not necessarily on-site.” “This initiative is a welcome move towards formal job creation, bridging the gap between theoretical education and real-world application, making graduates more job-ready.” <h2>Focus on skilling</h2>The Finance Minister said that the model skilling loan scheme will be revised to facilitate loans up to Rs 7.5 lakh. Further, a new scheme focussing on skilling will benefit 20 lakh individuals and ensure the set up of 1,000 training institutes and newly designed courses. <h2>Education loans</h2>The Union Budget 2024-25 proposes a revision of the Model Skill Loan Scheme to help 25,000 students every year. E-vouchers for loans up to Rs. 10 lakh for higher education in domestic institutions will be given directly to 1 lakh students every year with interest subvention of 3% of loan amount, said FM Sitharaman. Meanwhile, in the Interim Budget detailed in February 2024, Finance Minister Nirmala Sitharaman highlighted a notable increase in higher educational institutes and women enrolling in STEM courses over the past decade, attributing these improvements to the National Education Policy (NEP) 2020. Further, contrary to expectations, funding for the University Grants Commission (UGC) was reduced by 60.99%, dropping to Rs. 2,500 crore from the previous year's revised estimate of Rs. 6,409 crore. Meanwhile, grants for central universities were increased by over Rs 4,000 crore, with a total allocation of Rs 15,928 crore for the financial year 2024-25. <div type="Article" hostid="261" msid="111951205" title="Budget 2024-25 – Changes to tax slabs, increased standard deduction and other changes to direct taxation" mstype="2" mssubtype="0"></div> SEE ALSO: <a href="https://www.businessinsider.in/budget/news/union-budget-2024-live-updates-finance-minister-nirmala-sitharaman-key-announcements-23-july/liveblog/111942008.cms" data-type="tilCustomLink" target="_blank">Budget 2024 Live Updates: FM Sitharaman announces comprehensive review of the Income Tax Act 1961</a> <a href="https://www.businessinsider.in/budget/news/govt-to-provide-11-11-lakh-crore-towards-capex-for-2024-25/articleshow/111950700.cms" data-type="tilCustomLink" target="_blank">Govt to provide ₹11.11 lakh crore towards capex for 2024-25</a>

Budget 2024: Record allocation of Rs 1.48 lakh crore for education, employment and skilling!

In one of <keyword id="20712043" type="General" weightage="100" keywordseo="Linkin-Park" source="keywords" meta.keywordsubtype="org" meta.entityname="Linkin Park" meta.hostid="261" meta.entityid="Linkin Park">Linkin Park</keyword>'s most iconic songs, "In The End", <keyword id="23080921" type="General" weightage="20" keywordseo="Chester-Bennington" source="keywords">Chester Bennington</keyword> raspily croons about how time is a valuable thing, and you can only watch it fly by, as the pendulum swings. 7 years have flown by since the death of their lead singer Chester Bennington, and in the end, it matters because Linkin Park is finally making a comeback. Bringing in singer <keyword id="23059610" type="General" weightage="20" keywordseo="Emily-Armstrong" source="keywords">Emily Armstrong</keyword> and drummer <keyword id="23059611" type="General" weightage="20" keywordseo="Colin-Brittain" source="keywords">Colin Brittain</keyword> in the fold, the <keyword id="19912961" type="General" weightage="20" keywordseo="rock-band" source="keywords">rock band</keyword> was a huge rage in the 2000s and originally comprised of Mike Shinoda, Brad Delson, Phoenix and Joe Hahn. Linkin Park's latest album, titled "<keyword id="23059612" type="General" weightage="20" keywordseo="From-Zero" source="keywords">From Zero</keyword>", will release on November 15th this year. The new lineup also launched a brand new single yesterday, called "The Emptiness Machine". With Armstrong stepping into Bennington's mind-numbingly daunting shoes, all she'll want perhaps, is to be more like herself, and less like the popular former vocalist, who tragically took his own life in 2017. But before we get on that lane, here's a walk down the memory lane, reliving some of Linkin Park's most celebrated songs, and some snippets of financial well-being you can derive from them. I am a little bit insecure, a little unconfident 'Cause you don't understand, I do what I can, but sometimes I don't make sense -Faint, Meteora, 2003 Well, who isn't a little bit insecure and unconfident while starting something new? Plus, if you just figuring out the complexities of the <keyword id="6357440" type="General" weightage="20" keywordseo="Stock-market" source="Orion">stock market</keyword>, it can certainly seem daunting. But if you're someone who's been wanting to start investing in stocks or mutual funds for a long time now, know that it is most important to begin. Don't let your fears procrastinate your investments further, till the time 'the market is better off', or 'I know a bit more about the markets', or 'I'll start investing next year, when I am earning more'. The best time to start investing in stocks, mutual funds, or even in your skills, was yesterday. The next best time? Today. And dispel any notions that you have of not being able to create a meaningful corpus over a long term, with just Rs 500 a month. Right now, it wont make sense, but this amount, invested consistently over a 20-year period, could mean you end up with around Rs 5,00,000. So, start with what you can, but start right away. Somethin' in here's not right today Why am I so uptight today? Paranoia's all I got left I don't know what stressed me first Or how the pressure was fed -Papercut, Hybrid Theory, 2000 There's a sea of difference between long-term wealth creation and dabbling in the market to earn some quick bucks. If you're only tracking the market from 9:30 am to 3:30 pm everyday, in hopes of the markets doubling down on your investments within the next week or month, you'd always be stressed, pressured, paranoid, and uptight. And rightly so! You see, when you're in the game for quick money, the slight downtrend in the stock you own could send you in a panic mode, or not holding a stock that's making massive gains during the day could make you angry. But the market has the tendency to compound and average out the impact of market volatilities on your investments, provided you stay put. So, unless you're not an experienced trader, you should let go of all this stress, and pay heed to what <keyword id="19921921" type="General" weightage="20" keywordseo="warren-buffett" source="keywords">Warren Buffett</keyword> says-the best holding period to have is forever, or better, "If you aren’t willing to own a stock for 10 years, don’t even think about owning it for 10 minutes.” And it can't be outfought, It can't be outdone, It can't be outmatched, It can't be outrun. No! -Catalyst, <keyword id="23080922" type="General" weightage="20" keywordseo="a-thousand-suns" source="keywords">A Thousand Suns</keyword>, 2010 There is perhaps, no better way to describe the stock market than this. You think you can time the market, or outpace it to make the most of your investments, only to realize why even veteran investors like Ramdeo Agrawal call the market their guru. As tempting as it might sound, trying to outwit the market is a loser's game. More people have lost money trying to unsuccessfully time the market, rather than actually losing money during market corrections. While investing, time in the market trumps timing the market, any day. In cards and flowers on your window Your friends all plead for you to stay Sometimes beginnings aren't so simple Sometimes goodbye's the only way, oh, oh -Shadow of the Day, Minutes to Midnight, 2007 The next time your friends or relatives insist that you invest basis a 'solid stock tip' they have, its time to say goodbye. Random youtube videos, tips on telegram or recommendations by your acquaintances should never serve as the basis for any investments that you make. Do your own research, or consult a SEBI registered RA (research analyst) before you decide to invest in a particular stock. Consult a financial planner who will properly understand your long-term and short term goals, and then craft a customised portfolio that will help you financially achieve all your milestones in life.

From Zero: Not just Linkin Park's comeback, but your clarion call to start investing

<ul class="summary-list"><li>At 50, Jennie Young started using several dating apps and felt that they were all toxic.</li><li>The Burned Haystack Dating Method began as an academic project and now has a Facebook group with over 128,000 members.</li></ul>Jennie Young is a professor of rhetoric and women/gender studies at the University of Wisconsin-Green Bay. In February 2023, she started a Facebook group for the Burned Haystack Dating Method.I thought I knew what to expect when I downloaded my first <a target="_blank" class="" href="https://www.businessinsider.com/new-dating-startups-and-apps-disrupting-the-industry-2024-8">dating app</a>. I was 50, had been divorced for 10 years, and had just gotten out of a long-term relationship. As someone who's generally tuned in to pop culture and social media, I thought I was prepared for what I would encounter. And, in some ways, I was.What I wasn't prepared for was the size or extent of the problem women were facing while <a target="_blank" class="" href="https://www.businessinsider.com/linkedin-is-a-dating-app-remote-work-online-romance-2024-1">looking for love online.</a>There weren't just a few men acting badly whom I could quickly dispatch. It was the magnitude of the toxicity. There were a lot of bad actors, and the behavior wasn't just annoying; it was deeply problematic. It seemed that <a target="_blank" class="" href="https://www.businessinsider.com/tinder-swipe-right-inventor-how-he-came-up-with-it-2016-11">swiping left</a> didn't make a difference; they'd just show up in my matches again a few days later.My frustration wasn't unique. Articles from 2024 alone included: "It's Not You: Dating Apps are Getting Worse" in The New York Times; "America is Sick of Swiping: Dating Apps are Falling Back to Earth" in The Atlantic; and "Why Gen Z is Ditching Dating Apps" in Time.I went from Match to Bumble to Tinder to Hinge and encountered <a target="_blank" class="" href="https://www.businessinsider.com/gen-z-dating-trend-online-apps-friends-romantic-partners-relationships-2023-3#:~:text=In%20interviews%20conducted%20for%20our,year%2Dold%20woman%20told%20us.">the same problems</a> ad infinitum. I felt frustrated and quickly realized it was not just me.<h2 id="d5c6f459-2f3e-4795-9196-b81ba18c36d3">I developed my own method</h2>After a few months, I decided to make it an academic project. I'm a professor of rhetoric and women/gender studies at the University of Wisconsin-Green Bay.An understanding of <a target="_blank" class="" href="https://www.businessinsider.com/guides/learning/harvard-edx-rhetoric-persuasive-writing-public-speaking-free-online-course-review">rhetoric</a> allows me to quickly parse text and read between the lines to determine what people are revealing without intending to, and a solid grounding in feminism helps me recognize the sometimes subtle flags of sexism and aggression that women encounter frequently on dating apps.The project evolved into a new dating method that I named the <a target="_blank" class="" href="https://www.businessinsider.com/dating-apps-new-method-online-burned-haystack-jennie-young-2024-9">Burned Haystack Dating Method.</a> My method encourages daters to filter out time wasters and red flags as soon as possible.As of November 13, there were over 128,000 women/nonbinary people in my private Facebook group and 60,000 followers on Instagram.I chose to share the method on social media because it's free. Accessibility was important to me from the beginning; I didn't want to monetize the information by keeping it behind a paywall, and I didn't want to charge women for consultation or "coaching."A little over a year and a half after creating the method and developing a following, I've learned a few things that I feel would keep daters happier with the apps.<h2 id="22981425-e194-4e8b-9ab6-be45e84acd9d">Women feel like their preferences are being ignored</h2>Here is a typical scenario I've experienced, and that has been repeated to me on several occasions by women who have spent time <a target="_blank" class="" href="https://www.businessinsider.com/forever-alone-staying-single-done-with-dating-apps-2023-7">online dating</a>: A woman is excited to set up her <a target="_blank" class="" href="https://www.businessinsider.com/instagram-dating-app-dm-era-of-swipe-fatigue-2024-9">new dating app</a> profile. She carefully selects her prompts, writes thoughtful responses, and curates her pictures. She sets boundaries around things like age, geography, marital status, political orientation, and lifestyle factors.To me and many of those I've spoken to, the apps appear to honor almost none of this.A woman told me she had specified that she was looking for a 40-to-45-year-old politically liberal nonsmoker within 50 miles of her home. This didn't stop the app she was using from showing her a full line-up of 60-year-old chain smokers from three hours away. So she swiped left, but the next matches were even worse, and eventually, the same men she swiped left on originally reappeared.Other women have mentioned reporting toxic behavior directly to dating apps.<a target="_blank" class="" href="https://www.businessinsider.com/elon-musk-favorite-dating-app-fatigue-tokyo-america-birth-rate-2024-7">Dating app </a>companies are not responsible for fixing the users, nor is that even possible, but there are things I feel they could do better Here are three ideas.<ol><li>Listen to users: Honor the boundaries articulated. If someone swipes left, don't show the same person to them again. If you don't have anyone who meets the said criteria, then simply say that. Leave it up to the individual whether they want to expand their filters or just wait. They're all adults.</li><li>Do a better job of screening: AI tools can now screen for tone problems such as aggression.</li><li>Get the bad actors out: When reports are made regarding toxicity, aggression, and deceit — even if it just means lying about age or marital status — verify and remove the offenders. Users also need to be more vigilant about reporting bad behavior to the apps, as many of the companies will take the necessary steps to remove the profile.</li></ol>These changes won't solve the larger cultural problems women face in the dating market, but implementing them could improve the <a target="_blank" class="" href="https://www.businessinsider.com/single-mom-dating-apps-interested-men-non-monogamous-open-relationships-2024-10">dating app experience </a>while we continue to address the problems in society.But while it would improve things for daters, it's not likely it would improve things financially for the apps. Last month, Albert Fox Cahn, a journalist, wrote in BI that the <a target="_blank" class="" href="https://www.businessinsider.com/dating-apps-find-love-romance-online-tinder-match-total-scam-2024-10">apps face a problem</a> when it comes to the popularity contest."It turns out dating apps face a unique barrier to success: The more effective your app is, the less profitable it becomes. People pay to find a partner, and once you find one, the app loses your business," Cahn wrote.In the end, it looks like dating apps and singles face a conflicting definition of success.A representative from Match Group., the parent company of Tinder and Hinge, told BI they have made investments to improve both their automated and manual moderation and review tools."These tools include automatic scans of profiles for red-flag language and images, manual reviews of suspicious profiles, activity, and user generated reports, as well as blocking email addresses, phone numbers and other identifiers," a Match Group. respresentive said.The representative said the company spends $125 million a year on the "trust and safety teams, technology, partnerships, and initiatives and is focused on improving safety across the Match Group portfolio."According to Bumble, the app matches people who have mutually swiped on each other. The platform is set up so that women make the first move, and they can reply within 24 hours, or the match expires.Bumble said that anyone who experiences harassment is encouraged to use the app's "Block and Report" system. Bumble also said the app is using automated and AI-based technology to identify potential violations before members even report them.

I started using dating apps in my 50s and quickly grew frustrated. Coming up with the 'burned haystack' dating method helped.

<ul class="summary-list"><li>Luckin Coffee, which has put up a strong fight against Starbucks in Asia, is looking to the US.</li><li>The Chinese coffee brand, known for its heavy discounts, reported a strong third quarter.</li></ul>Luckin Coffee is <a target="_blank" class="" href="https://www.businessinsider.com/luckin-coffee-chinese-chain-making-starbucks-nervous-singapore-2023-11">putting up a strong fight against Starbucks</a> in Asia. Now, it's planning to bring that rivalry into the US.Here's the state of play: Starbucks is trying to pull itself out of a rut. In its quarter ending September 29, Starbucks reported a 7% decline in sales worldwide. In China, the company's sales slid by 14% compared to the same period last year, to $783.7 million.In August, it appointed Brian Niccol as its new CEO. Niccol has said <a target="_blank" class="" href="https://www.businessinsider.com/starbucks-ceo-to-lay-out-strategy-to-fix-coffee-chain-2024-10">his plan</a> to turn around the coffee chain involves faster orders, adding a human touch to the ordering process, and positioning the brand's outlets as "third spaces."Luckin reported a strong third quarter. Its sales rose 41.4% year over year, and its quarterly revenue was $1.452 billion. The chain is known for its aggressive deals, unusual flavors like a Big Cheese coffee drink, and mobile ordering.Both brands are well established in Singapore, with multiple outlets in the city-state's Central Business District. On a recent weekday around lunchtime, I stopped by both a Luckin and a Starbucks to see how they compare in price, menu options, and vibe.<h2 id="efd5eecf-2a86-4a4e-b481-4b74f8bf8a7d">Luckin versus Starbucks</h2>I started at Luckin Coffee.When I walked in, I found people waiting around the collection counter for their drinks. Others were sitting around at tables drinking coffee.But most customers seemed to be in a rush, ready to grab their drinks and go.To order any menu item at Luckin, customers have to download the brand's app and place their order digitally. Staff members at the counter don't take orders.The app was easy to use, though it hit me with numerous pop-ups for discount vouchers. Because I was a new user, every drink on the menu was half off for me.<div type="image" title="A Luckin Coffee outlet in Singapore's Central Business District." height="3024" width="4032" msid="115040697" hostid="261" sizebytes="788852"></div>The most expensive drink on the menu was an Iced Oat Shakerato listed for 8 Singapore dollars, or $6. With the discount, it cost me SG$4.There were at least five orders waiting for collection before me. Still, my drink was ready in under five minutes, ready to be collected as soon as I scanned the QR code on my app. I didn't have to speak to a single person throughout the process.<div type="image" title="Luckin's ordering process was entirely digital, requiring no communication with the staff." height="768" width="1024" msid="115040695" hostid="261" sizebytes="75736"></div>After that, I walked about 100 feet to the nearest Starbucks, which had a large seating area. Some people in business clothes were taking lunch meetings there, while others hung around working on laptops.<div type="image" title="The interior of a Starbucks outlet in Singapore's business district." height="2835" width="3780" msid="115040693" hostid="261" sizebytes="737442"></div>The barista was friendly when I asked about the most expensive drink on their menu. It turned out to be one of their seasonal holiday drinks.I chose the Salted Pretzel Cocoa Oatmilk Latte, which came out to SG$10.20.Unlike Luckin, there was no one in line. I was out with my coffee, a venti-sized drink topped with crushed pretzels, in under three minutes, slightly faster than at Luckin.Overall, Starbucks' most expensive drink was more expensive than Luckin's. Luckin had more customers, so the wait time was slightly longer than in Starbucks.<h2 id="e3e55b2a-ebe2-4754-a009-07c30921fd35">The battle for coffee domination</h2>Luckin Coffee was founded in Beijing in October 2017. It filed for bankruptcy in the US in 2021 after the fallout of an <a target="_blank" class="" href="https://www.businessinsider.com/luckin-coffee-fabricated-310-million-in-sales-investigation-2020-4">accounting fraud scandal</a>, in which it was revealed that it had faked nearly half of its roughly $732 million sales from 2019.Today, it has 21,343 stores globally.Luckin launched its first international stores in Singapore in March 2023, and the city-state now has more than 40 outlets. Now, it's eyeing the US market for expansion opportunities."We are also actively evaluating opportunities in the United States and other markets," Luckin wrote in its Q3 earnings report.Representatives for Luckin Coffee didn't respond to a request for comment from BI for this story.Starbucks has 40,199 outlets globally — nearly twice as many as Luckin does. Of that count, 7,596 stores are in China, an increase from the 6,806 it had a year ago.When asked for comment, a Starbucks representative in China directed BI to the remarks made by Niccol and the brand's finance chief, Rachel Ruggeri, in its Q4 earnings call.In the call, Ruggeri said sales in China were "weighed down by intensified competition and a soft macro environment that impacted consumer spending."Luckin isn't Starbucks' only rising competition in the US. It's also contending with the likes of Dutch Bros. and 7 Brew."There are concerns about speed of service and operational complexity, and new menu innovation has been lacking," R.J. Hottovy, the head of analytical research at Placer.ai, told BI about Starbucks."Starbucks' decline in visits also comes at a time when other coffee and beverage chains are seeing year-over-year visit increases, reinforcing that new product innovations aren't connecting with consumers," he added.<h2 id="998c3bea-c071-471c-a5fb-74f3f2be2403">Analysts say Starbucks should be worried about Luckin Coffee</h2>Luckin's pricing and focus on technology gives it an edge over Starbucks, consumer analysts say.David Yu, a finance professor from NYU, told BI Luckin is "all about technology." By comparison, he said Starbucks' use of technology, such as ordering on its app, is "pretty weak."Yaling Jiang, a China consumer research expert behind the newsletter "Following the Yuan," published an article on Monday about Starbucks' performance in China. In it, Jiang said Starbucks has continually failed to "meet Chinese consumers' changing perception about product price."Nirgunan Tiruchelvam, a consumer and equity analyst at Aletheia Capital in Singapore, told BI that he thinks Luckin "has an edge over Starbucks at the moment" because of its novelty.However, he said Luckin may still be in an uphill battle in the US."Luckin Coffee's plans in the US may not go as smoothly as one would expect because the US is a very complex market, where Starbucks is much better entrenched than in Asia," said Tiruchelvam.He said it's also cheaper to set up outlets in Asian markets than in the US."The expansion costs, in terms of the cost of rolling out an outlet versus the payback from it, are actually far more challenging in the US than in Asia," Tiruchelvam added.Yu echoed those sentiments, saying aggressive discounting is not a sustainable approach for Luckin."I always say discounting is never a great long-term strategy. It could be used effectively for short-term purposes," he said.However, Starbucks' increasingly expensive price tag has created an "opening" for Luckin, Yu said."So I think that's good timing for Luckin's perspective if they're willing to go and discount and price aggressively under to gain customers," Yu added.

Starbucks and Luckin are in a fight for the global coffee market. I visited both to see how they stack up on price, menu, and vibe.

<ul class="summary-list"><li>September trading started off with a slump as US indexes slid Tuesday morning.</li><li>Investors are bracing for key labor data to come on Friday.</li></ul>September trading kicked off with major indexes dipping as the market repositioned itself ahead of a few key data points due throughout the week.While soft landing hopes helped the S&amp;P 500 and Dow Jones Industrial Average notch their fourth-straight monthly gain at the end of August, all eyes are now on manufacturing and labor data to see whether this trend still has legs.On Tuesday, US manufacturing data will offer investors insight into how well the economy is keeping up, but the real test will follow on Friday, when August's nonfarm payrolls report is scheduled for release.Economists predict that US employers added 162,000 jobs last month, which suggests that the unemployment rate will back down modestly from 4.3% to 4.2%.However, if the release shows any labor deterioration that sends the unemployment rate meaningfully higher, it could force the Federal Reserve to cut by more than expected during its September 18 policy meeting. As demonstrated after July's weaker-than-expected labor data, that result could roil markets and spark fears that the US economy is slowing. What's more, September is traditionally a <a target="_blank" href="https://markets.businessinsider.com/news/stocks/stock-market-outlook-september-season-fed-cuts-election-investing-2024-8">challenging month for the stock market,</a> and investors may have to brace for more volatility ahead.Here's where US indexes stood shortly after the 9:30 a.m. opening bell on Monday:<ul><li><a target="_blank" href="https://markets.businessinsider.com/index/s&amp;p_500?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets&amp;utm_medium=ingest&amp;utm_source=markets">S&amp;P 500</a>: 5,602.97, down 0.8%</li><li><a target="_blank" href="https://markets.businessinsider.com/index/dow_jones?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets&amp;utm_medium=ingest&amp;utm_source=markets">Dow Jones Industrial Average</a>: 41,378.55, down 0.41% (-169.39 points)</li><li><a target="_blank" href="https://markets.businessinsider.com/index/nasdaq_composite?utm_source=markets&amp;utm_medium=ingest%3Futm_source%3Dmarkets&amp;utm_medium=ingest&amp;utm_medium=ingest&amp;utm_source=markets&amp;utm_medium=ingest&amp;utm_source=markets">Nasdaq composite</a>: 17,473.64, down 1.32%</li></ul>Here's what else is going on:<ul><li><a target="_blank" href="https://markets.businessinsider.com/news/commodities/commodity-bull-rally-begins-gold-oil-outlook-high-inflation-2024-8">Commodities are a better investment than bonds through the rest of this decade</a>, BofA says.</li><li><a target="_blank" href="https://www.businessinsider.com/loreal-heir-richest-woman-billionaire-francoise-bettencourt-meyers-fortune-2023-12">The heir to L'oréal has become the first woman with a $100 billion fortune.</a></li><li><a target="_blank" href="https://www.businessinsider.com/fed-rate-cuts-jerome-powell-adam-posen-jackson-hole-unemployment-2024-8">Jerome Powell may regret narrowly focusing on labor during his Jackson Hole speech</a>, think tank expert says.</li><li><a target="_blank" href="https://www.businessinsider.com/russia-economy-outlook-ukraine-war-worker-shortage-population-brain-drain-2024-8">Russia's brain drain is the biggest issue facing its economy</a>, an economist says.</li></ul>In commodities, bonds, and crypto:<ul><li><a target="_blank" href="https://markets.businessinsider.com/commodities/oil-price?type=wti&amp;utm_medium=ingest&amp;utm_source=markets&amp;utm_medium=ingest&amp;utm_source=markets">West Texas Intermediate</a> crude oil slid 2.72% to $71.66 a barrel. <a target="_blank" href="https://markets.businessinsider.com/commodities/oil-price?utm_medium=ingest&amp;utm_source=markets">Brent crude</a>, the international benchmark, dropped 2.88% to $75.29 a barrel.</li><li><a target="_blank" href="https://markets.businessinsider.com/commodities/gold-price?utm_medium=ingest&amp;utm_source=markets">Gold</a> stayed essentially flat at $2,495.05 an ounce.</li><li>The 10-year Treasury yield fell five basis points to 3.854%.</li><li><a target="_blank" href="https://markets.businessinsider.com/currencies/btc-usd?utm_medium=ingest&amp;utm_source=markets">Bitcoin</a> inched up 0.27% to $59,256.</li></ul>

Stock market today: Indexes fall to start September ahead of data on jobs and the economy

<ul><li>The global foldable smartphone shipments have declined by 1% in Q3 2024.</li><li>Samsung has emerged as the top company in foldable smartphone shipments in Q3 2024.</li><li>Samsung continues to account for over half of the market share, despite a huge decline in shipments.</li></ul>The global foldable smartphone shipments declined for the first time in Q1 2024, recording a 1% year-on-year decline. This marks the first decline for foldable smartphones in Q3. According to a report by Counterpoint Research, one of the factors for the decline in shipments was Samsung’s<a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-z-fold-6-review/articleshow/112497472.cms"> Galaxy Z Fold 6</a> and<a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-z-fold-6-galaxy-z-flip-6-galaxy-ring-and-more-launched/articleshow/111637913.cms"> Galaxy Z Flip 6</a> smartphones not performing as expected. <div type="Article" hostid="261" msid="112497472" title="Samsung Galaxy Z Fold 6 review – the complete package" mstype="2" mssubtype="0"></div> “The global foldable market appears to have entered a transitionary phase where it is facing challenges as it progresses from a niche segment to the mainstream. User satisfaction is particularly high with book-type foldable devices, but the prohibitively high prices remain the biggest obstacle to mass adoption,” said Jene Park, Senior Analyst, Counterpoint Research. <h2>Global foldable smartphone market share</h2> <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024 </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Samsung </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">56% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Huawei </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">15% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Honor </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">10% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Motorola </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">7% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Xiaomi </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">6% </td></tr></tbody></table> Source: Counterpoint Research Samsung has emerged as the market leader in Q3 2024, with a market share of 56%, down from 70% in Q3 2023. While the company’s Galaxy Z Fold 6 performed decently, the Galaxy Z Flip 6 failed to match its predecessor’s sales. The company recorded a 21% year-on-year decline in shipments. Huawei has emerged second, with a 15% market share in Q3 2024, up from a 13% market share in Q3 2023. The company recorded a 23% year-on-year growth in shipments. Honor and Motorola take the third and fourth spots, with a 10% and a 7% market share respectively. Both companies have recorded good growth. While Honor has recorded a 121% year-on-year growth, Motorola has recorded a 164% year-on-year growth. Xiaomi is in the fifth position, with a 6% market share. The company recorded the highest year-on-year growth at 185%. This growth was driven by the Mix Flip, the company’s first clamshell smartphone. SEE ALSO: <a href="https://www.businessinsider.in/business/auto/news/honda-activa-e-and-qc1-electric-scooters-unveiled-in-india-to-go-on-sale-in-2025/articleshow/115725242.cms">Honda Activa e and QC1 electric scooters unveiled in India, to go on sale in 2025</a> <a href="https://www.businessinsider.in/tech/news/indias-pc-market-reaches-new-high-with-4-49-million-shipments-in-q3-2024/articleshow/115719599.cms">India’s PC market reaches new high with 4.49 million shipments in Q3 2024</a> <a href="https://www.businessinsider.in/tech/mobile/news/realme-gt-7-pro-with-snapdragon-8-elite-chipset-launched-starting-at-59999/articleshow/115689685.cms">Realme GT 7 Pro with Snapdragon 8 Elite chipset launched starting at ₹59,999</a>

Global foldable phone shipments decline in Q3 2024, Samsung leads with 56% market share

<ul><li>The Indian PC market recorded its second-best quarter with a shipment of 4.49 million devices in Q3 2024.</li><li>The growth in part is due to the online festival sales by e-commerce giants and retailers.</li><li>HP continues to lead the Indian PC market with a share of over 29%.</li></ul> The Indian personal computer or PC market has recorded its second highest-ever shipments at 4.49 million devices in Q3 2024, recording a 0.1% growth year-on-year. According to a report by the International Data Corporation (IDC), the growth in sales was recorded due to online festival sales which began early this year. “The e-tail sales, which typically start around the second week of October, began in late September, leading to a surge in PC shipments,” said Bharath Shenoy, Research Manager, IDC India &amp; South Asia. In Q3 2024, desktops recorded an 8.1% year-on-year decline, notebooks recorded a 2.8% year-on-year growth and workstations recorded a 2.4% year-on-year growth. Premium notebooks priced above $1,000 recorded a 7.6% year-on-year growth. “Brands capitalized on e-tail sales by offering steep discounts, cashback, and bundled accessories. Many of them also matched similar pricing in their brand stores and offline channels like Larger Format Retail stores (LFRs), leading to the second biggest consumer quarter in history,” Shenoy added. <h2>Indian PC shipments</h2> <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2023 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Change </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">HP </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1,300 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1320 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">-1.52% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">778 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">764 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1.83% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Dell </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">658 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">654 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">0.61% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Acer </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">657 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">520 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">26.35% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Asus </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">435 </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">560 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">-22.32% </td></tr></tbody></table> Shipments in thousands, Source: IDC HP continues to lead the market in terms of shipments, with over a million devices shipped in Q3 2024, recording a 1.52% year-on-year decline in shipments. The company led both the commercial and consumer segments with shares of 34.3% and 24.8%, respectively. Acer recorded the highest growth in shipments at 26.45%, while Asus recorded the highest decline in the top five at 22.32%. <h2>Indian PC shipments market share</h2> <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024 </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2023 </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">HP </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">29% </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">29.4% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.3% </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Dell </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6% </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Acer </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6% </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">11.6% </td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Asus </td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">9.7% </td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">12.5% </td></tr></tbody></table> Source: IDC HP leads the Indian PC market with nearly a one-third share, recording a 29% share in shipments in Q3 2024, down from 29.4% in Q3 2023. Lenovo is second with a market share of 17.3% in Q3 2024, up from 17% in Q3 2023. Dell has maintained its market share at 14.6%. Acer has recorded good growth, with its market share rising from 11.6% in Q3 2023 to 14.6% in Q3 2024. Asus on the other hand reported a decline from 12.5% in Q3 2023 to 9.7% in Q3 2024. “The Commercial PC Market in India is on the recovery path as enterprises have slowly started refreshing their IT devices. The IT/ITES buying has kickstarted and is expected to pick up momentum in CY2025,” said Navkendar Singh, AVP, Devices Research, IDC India, South Asia &amp; ANZ. 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