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    As a sexual wellness merchandise professional and author for the New York Post , I’ve had the pleasure (pun intended) of testing over 25 sex toys. From vibrating cock rings to high-tech masturbators , I’ve seen, felt, and experienced it all — sometimes dragging my partners alongside for the journey. This is, in fact, how we ended up here, with us recommending one of the best sex toys for males. Don’t get us mistaken, all of the toys on this record are high quality, but if you want one thing extra to broaden your collection, spend cash on a LELO toy. The helpful thing about the site itself is that it consists of diagrams of how the product can be utilized to maximise pleasure. This one, the Soraya Wave, is super high-tech rabbit vibrator that uses LELO’s signature WaveMotion expertise to simulate “finger-like” motions and thrusting.

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  • It’s truly thought the idea hails from the 1600s when Chinese

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  • Economists feel an uptick in investment and demand in FY23 will broad-base growth

    The economic recovery is likely to be broad-based and more durable in the next financial year as Covid-battered micro, small and medium enterprises (MSMEs), informal industries and contact-intensive services see a pick-up in capital investments and healthier balance sheets due to revival in demand, say economists. The resurgent Omicron variant, persisting shortages and bottlenecks, and worldwide divergence in policy stances due to inflationary pressures remain a concern, they say.

    “While we are watchful of the economic impact of global spread of Omicron, we are cautiously optimistic economic recovery in India will be more durable and broad-based in the coming year,” said Aditi Nayar, chief economist, Icra NSE 0.37 %.

    The International Monetary Fund (IMF) projected an 8.5% growth for India in FY23 in its October review last year. Overall economic growth is likely to be impressive in the current financial year, statistically boosted by the low base of 7.3% contraction in FY21. The Reserve Bank of India has forecast a 9.5% real GDP growth in the current fiscal, which should be a 1.6% rise over pre-Covid FY20.

    “We also expect broad-basing of growth, with rising contributions from the services sector. Government support has put investments on a stronger footing vis-a-vis private consumption, which is currently fragile,” said Dharmakirti Joshi, chief economist, Crisil.

    MULTIPLE DRIVERS
    Next fiscal could see both investments and consumption drive growth, with exports providing a helping hand. Rising consumption will push capacity utilisation above the crucial threshold of 75% by the end of 2022, which should trigger a broadbased pickup in private sector investment activity, said Nayar. Private consumption — the biggest GDP component — rose by over 8.6% in the second quarter of the fiscal but is yet to cross pre-Covid levels. If the economic recovery continues, private consumption is expected to rebound, too.

    An expected solid expansion in taxes will allow the government to prioritise growth-enhancing capital spending, which is also expected to crowd in private investment. The new tech ecosystem, asset monetisation and expansion of productionlinked scheme are among key drivers that could offset the potential demand slowdown.

    AND HEADWINDS
    The rapid advance of Omicron in the metros remains a concern as it could disrupt the economic recovery. However, economists are optimistic that its impact would not be so severe amid indications that the variant may spread faster but is not likely to be as damaging as earlier ones.

    “Omicron as a wildcard entry has tilted risks to outlook downwards.

    Experience tells us that successive waves, even if they overwhelm the health infrastructure, are less damaging to the economy,” said Joshi. Other risks that could weigh on growth include actions of the US Federal Reserve and other central banks, and domestic inflation dynamics. A rapid rise in US interest rates could disrupt financial markets.

    “Rising input prices (WPI) is bound to find its reflection on retail prices (CPI). This, along with higher deficit, will increase interest. However, exports is a ray of hope, said Devendra Pant, chief economist, India Ratings.

    Economists ET spoke to expect RBI to raise the repo rate by 50 basis points starting next financial year. Another concern is high crude and commodities prices, which could cause a faster-than-expected rise in interest rates if inflation accelerates.

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  • Here’s where stock investors should consider putting their money in 2022Here’s where stock investors should consider putting their money in 2022

    Coming off several years of outsized gains in the stock market, investors may be hoping 2022 is like deja vu again.

    Don’t count on it. While future performance is impossible to predict with certainty, many financial advisors expect returns will come back down to Earth.

    “We have been telling clients to expect a lackluster year in the stock market and in portfolios in general, with lingering elevated inflation, slower economic growth and interest rate hikes,” said certified financial planner Shon Anderson, president and chief wealth strategist for Anderson Financial Strategies in Dayton, Ohio.

    So far this year, the S&P 500 Index — a broad measure of how U.S. companies are faring — has posted a total return (price gains plus dividends) of about 29.2%. That’s on the heels of 18.4% in 2020 and roughly 31.5% in 2019 (and a loss of more than 4% in 2018). Over time, the annual average is about 10%.

    More from Personal Finance:
    Year-end money moves to make before 2022
    How to spot and fix your spending problem
    Here are tips for spending less at the pump

    The Dow Jones Industrial Average has a total return so far this year of 21.1%, following 9.72% in 2020 and roughly 25.3% in 2019 (and a loss of 5.6% in 2018). The tech-laden Nasdaq Composite index, meanwhile, has posted a 23.2% gain so far this year, after 44.9% in 2020 and about 36.7% in 2019 (and a loss of 2.84% in 2018).

    While 2022 may end with lower returns — i.e., single-digit gains, perhaps — the economy is expected to continue to expand, albeit at a slower pace than earlier in the year. In the third quarter, gross domestic product — which measures all economic activity — grew at an annual pace of 2.3%, according to the Bureau of Labor Statistics. That came on the heels of 6.5% annual growth in the second quarter, and 6.4% in the first quarter.

    With that slower growth as a backdrop, coupled with persisting inflation and the Federal Reserve’s latest expectations that interest rate hikes are on their way next year, there may be certain industries or market sectors that outperform others. 

    “The environment is right for being more cautious and defensive … but there are still opportunities to make money,” said CFP Matthew McKay, an investment analyst with Briaud Financial Advisors in College Station, Texas.

    “Typically this is an environment where utilities, health care and consumer staples can outperform, generally speaking,” McKay said.

    International stocks — in  both developed markets and emerging markets — also may outperform, he said.

    “Looking at the second half of the year, many countries should turn up growth year over year, which would be quite positive for these two broad markets, especially given the reasonable multiples they are priced at,” McKay said.

    Real estate investment trusts could also do better than the broader market, Anderson said. REITs, as they’re called, are companies that own and/or operate properties such as office buildings, shopping malls, apartment complexes and warehouses. 

    “Specifically for REITs, we think there is more opportunity in the data centers, self-storage and health-care [facilities],” Anderson said. 

    Stocks related to residential building may also be a spot of strength, said Joseph Veranth, chief investment officer and portfolio manager at Dana Investment Advisors in Waukesha, Wisconsin. 

    Industrial stocks may also benefit from a strong economy and from more being spent on infrastructure or defense, said CFP Barry Glassman, founder and president of Glassman Wealth Services in Vienna, Virginia. Generally, companies in that sector manufacture and distribute goods used by industries such as construction, engineering, aerospace and defense, or they may be involved in transportation and logistics services.

    Additionally, Glassman said, his firm is focusing on total shareholder return — that is, looking at stocks with consistent dividend payouts, as well as stock buybacks. The latter generally causes a company’s share price to rise because fewer shares are on the market once the buyback happens.

    “I can’t imagine the S&P continuing its impressive three-year run but even if the index doesn’t do as well, I think there are stocks that could do better,” Glassman said. “I think what will rule is profitability and stability of earnings.”

  • NPS to allow 4 changes per fiscal in investment pattern

    Pension fund regulator PFRDA will soon allow subscribers of the National Pension System (NPS) scheme to change investment pattern as many as four times during a financial year as there has been a demand to increase the limit, its chairman Supratim Bandyopadhyay said Tuesday.

    Currently, NPS subscribers are allowed to change the investment pattern twice in a financial year. “One can change the investment choice twice in a year. Now, in a very short period of time, we are going to increase it to four times because there are requests that you allow more number of times (to change the investment pattern),” he said, addressing a webinar on NPS scheme organised by industry body Assocham.

    The only cautionary note PFRDA wants is that it is a long-term investment (product) to build a pension corpus, and it should not be treated akin to a mutual fund scheme, he said.

    “People sometimes mix it up with some mutual fund kind of thing that can give good returns. You have to give it some time and thereafter, only you can use it (changing option). Use it judiciously, we are going to increase it to four times in a year (financial year),” Pension Fund Regulatory and Development Authority’s chairman said.

    Subscribers are allowed to allocate their investments in a mix of instruments such as government securities, debt instruments, asset-backed and trust-structured investments, short-term debt investments, and equities and related investments.

    Currently, pension fund managers under NPS are – ICICI Prudential Pension Funds Management Company, LIC Pension Fund, Kotak Mahindra Pension Fund, SBI Pension Fund, UTI Retirement Solutions, HDFC Pension Management Co, and Birla Sun Life Pension Management.

    Bandyopadhyay also said the PFRDA wants to offer a variable annuity product to the subscribers after retirement, aimed at shielding them against inflation. “Once the annuity starts, that remains constant for your lifetime. Of course, there is one annuity (product) that gives a simple rise of three per cent per year but obviously, that will not take care of the risk of inflation.

    “We have been talking to the insurance regulator (Irdai) …and we have been talking to the annuity service providers also if they can think of this kind of variable annuity which can give some cushion against the rise of inflation,” he said.

    The PFRDA chairman said the Insurance Regulatory and Development Authority of India (Irdai) has made a working committee and a report has also been submitted by the committee.

    “We are in discussion with Irdai to ensure that those kinds of products are released as quickly as possible,” he added.

  • NPS to allow 4 changes per fiscal in investment pattern

    Pension fund regulator PFRDA will soon allow subscribers of the National Pension System (NPS) scheme to change investment pattern as many as four times during a financial year as there has been a demand to increase the limit, its chairman Supratim Bandyopadhyay said Tuesday.

    Currently, NPS subscribers are allowed to change the investment pattern twice in a financial year. “One can change the investment choice twice in a year. Now, in a very short period of time, we are going to increase.

    The only cautionary note PFRDA wants is that it is a long-term investment (product) to build a pension corpus, and it should not be treated akin to a mutual fund scheme, he said.

    “People sometimes mix it up with some mutual fund kind of thing that can give good returns. You have to give it some time and thereafter, only you can use it (changing option). Use it judiciously, we are going to increase it to four times in a year (financial year),” Pension Fund Regulatory and Development Authority’s chairman said.

    Subscribers are allowed to allocate their investments in a mix of instruments such as government securities, debt instruments, asset-backed and trust-structured investments, short-term debt investments, and equities and related investments.

    However, there are different rules for different sets of subscribers. For instance, government sector employees cannot have high exposure towards equities, while the corporate sector employees are allowed to allocate as much as 75% of asset towards equities.

    Separately, subscribers are also allowed to change fund managers once in a year. Fund managers invest subscribers’ pension assets in the prescribed investment schemes, as per choice.

    Currently, pension fund managers under NPS are – ICICI Prudential Pension Funds Management Company, LIC Pension Fund, Kotak Mahindra Pension Fund, SBI Pension Fund, UTI Retirement Solutions, HDFC Pension Management Co, and Birla Sun Life Pension Management.

    The PFRDA chairman said the Insurance Regulatory and Development Authority of India (Irdai) has made a working committee and a report has also been submitted by the committee.

    “We are in discussion with Irdai to ensure that those kinds of products are released as quickly as possible,” he added.

     

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