Latest news with #Gen-Z.
Time of India
09-07-2025
- Business
- Time of India
Betting on consumption? Put 70-75% in discretionary & 20-30% in staples: Gurmeet Chadha
Gurmeet Chadha suggests focusing on Gen-Z driven discretionary spending. He is optimistic about hotel stocks like Indian Hotels and Lemon Tree. IndiGo is expected to perform well in aviation. Digital consumption stocks such as Eternal and PB Fintech are also under consideration. Selectively, FMCG names like HUL, Nestle, and ITC may offer opportunities. Tired of too many ads? Remove Ads Tired of too many ads? Remove Ads , Managing Partner & CIO,, says investment strategy should focus on discretionary spending driven by Gen-Z. He is optimistic about hotels and mentions Indian Hotels and Lemon Tree. In aviation, IndiGo will continue to do well. Digital consumption stocks like Eternal and PB Fintech should be considered. Selectively, FMCG names like HUL Nestle , and ITC may offer opportunities. Marico 's positive update suggests potential in has to be a little overweight on discretionary as Gen-Z is spending more and that makes up the bulk of the consumption. We are extremely constructive on hotels. We have been very lucky with Indian Hotels and Lemon Tree. We were very early there. InterGlobe is another one despite persistent selling by both the promoters, though obviously the Gangwal group has sold more. We have seen that despite too much supply, IndiGo has done well and will probably continue to gain more market share. There are issues in terms of supply of Boeing models but IndiGo is largely going for Airbus, so in near term, they will add more to the operating have to look at some more digital consumption themes. We have Eternal in our portfolio. We are looking at PB Fintech as well. And then, maybe tactically look at some of the FMCG names if some volume growth comes back. For example, HUL returns for five years are flat. Nestle has been flat for three years. ITC is weighed down by the BAT group selling, and is available at 14-15 times. So, in consumption, you can be 70% in travel, hospitality, discretionary names and 20-30% in very under-owned names in staples. One quarter you get 2-3-4% volume growth more and rural recovery is giving you a sign. Look at Marico. It had a very good update last quarter. Their food and hair oil segment in particular are doing better within staples. So, selectively maybe 20-30% there and about 70-75% in discretionary.I am delighted with that Rs 2000 and I have been an investor since 2007. But purely on operating metrics, ICICI has surprisingly been a little more subdued compared to HDFC and Kotak. Obviously, HDFC and Kotak did not do much for almost three years. So, ICICI Bank will again have an industry leading performance both in terms of CASA deposits as well as the advances.I like the way they have positioned their lending portfolio, the high yielding part which is loan against used cars, loan against property (LAP) and other products. They have a right mix of secured and unsecured with deals also moving up. They have done a beautiful thing in the last three years. There are no product-wise targets, no insurance targets, no card targets. A branch has to achieve unit profitability and amongst all private banks, ICICI now has the lowest attrition. HDFC and Kotak are struggling with 25-30-35% attrition at the branch level and the culture is very the culture is right, banks then continue to deliver outstanding returns for a long period of time and at some point of time, banks need to introspect the focus they have on insurance and fee based products versus core banking. ICICI is getting that balance right. I also think SBI could unlock some value with more listings coming example, look at HDFC AMC, it is over Rs 1 lakh crore, at about Rs 8 lakh crore AUM. Now SBI MF, once it gets listed, is at Rs 12 lakh crore and the yields are identical, about 40 basis points, which means it could do like Rs 3,000 crore PAT. That could lead to some value unlocking. SBI General, SBI Capital Markets, if you add subsidiaries, give a little bit discount, even that probably could add 20-30% to despite posting very good numbers, SBI still does not get the rating multiple some of the private banks get. I am not saying it should get a three price to book, but the way it has turned around, it deserves a slightly better multiple than what it is right now, which is around 1.3 to 1.5 times. So that looks pretty good to me.I would prefer them and I also like Federal because of the leadership change that has happened there with Mr Manian coming, who was a key pillar behind Kotak's success in the last two decades. The only issue with Federal Bank is the culture. It is still a south-based bank trying to diversify. If Mr Manian is able to build and bring out that change there, Federal could be another mid-sized bank to look at.
NDTV
05-07-2025
- Entertainment
- NDTV
Shweta Tiwari Woke Up And Decided To Shimmer And Shine In A Green Sequinned Saree
Shweta Tiwari is a fashion maverick whose wardrobe outings never disappoint. At 44, she exudes sartorial inspiration to both millennials and Gen-Z. After serving goals in a myriad of tropical OOTDs on her Mauritius vacation, the actress has now turned her attention to traditional wear. Shweta Tiwari draped herself in a shimmery green saree that had dazzle written all over it. Styled to perfection by Victor Robinson, the six yards of grace gave us an idea on how to turn heads as a wedding guest. The thin-strapped blouse plunged into a deep-scooped, sweetheart neckline. Combined with backless details in the form of criss-cross drawstrings, the blouse delivered a risque touch. But Shweta, being an expert in the daring department, pulled off the bold number with unmatched poise. The pallu went across her shoulder, cascading into a floor-grazing train of fabric. Meanwhile, the high-waisted petticoat fit her like a glove, helping Shweta Tiwari showcase her svelte frame. Structured pleats dominated the fit, contributing an extra dose of pizzazz. Her saree game was effortlessly elegant, with the sequins adorning the silhouette twinkling like bright stars, befitting of a diva like Shweta. View this post on Instagram A post shared by Amit Khannaphotography (@amitkhannaphotography) With her outfit grabbing the much-deserved spotlight, Shweta Tiwari stuck to minimal accessories. She opted for a pair of bejewelled dangling earrings and some statement rings. The actress skipped wearing any heavy-duty necklace or bracelets, proving her love for understated glam. After all, sometimes less is more and Shweta knows it all too well. Coming to her makeup, Shweta Tiwari's bronzed glow raised the beauty bar higher. Blushed and contoured cheeks defined her beautiful features. A hint of highlighter was all that she needed to elevate the overall aesthetics. Glossy peach lips added a soft touch while winged eyeliner, mascara-coated lashes and metallic gold eyeshadow rounded off the smoky allure. For the finishing touch, Shweta Tiwari left her luscious locks open in waves as they framed her face beautifully. Shweta Tiwari's saree avatars bring out her true beauty. Any doubts?
Yahoo
18-06-2025
- Business
- Yahoo
Move Over Hims & Hers Health: This Insurance Business Could Be the Next Monster Healthcare Stock (Hint: It's Not UnitedHealth)
Telemedicine company Hims & Hers Health has been one of the hottest healthcare stocks in recent memory. Changes at UnitedHealth Group have attracted the attention of investors, but a smaller player called Oscar Health is the one to pay attention to. Oscar Health's business model and approach are similar to Hims & Hers, and it seeks to disrupt legacy insurers. 10 stocks we like better than Oscar Health › When it comes to healthcare stocks, many investors pay attention to the usual suspects: Eli Lilly, Novo Nordisk, CVS Health, or Johnson & Johnson. These companies have built up enormous brand equity thanks to blockbuster drugs and widely recognized pharmacy management services. With the exception of CVS, whose shares have risen 46% so far this year, none of the other companies have generated robust stock price returns so far in 2025. Lilly, Novo, and Johnson & Johnson are seeing share price pressure over concerns that President Donald Trump's administrative actions could impact the pharmaceutical industry -- particularly as it relates to tariffs and medication pricing. One healthcare player that is (so far) outmaneuvering investor trepidation throughout 2025 is telemedicine company (NYSE: HIMS). Its share price is up 138% in 2025 (as of June 17). While buying into Hims and Hers stock to follow the momentum is tempting, I think a different, dirt cheap health insurance stock is positioned for a breakout akin to Hims & Hers Health. And no, I'm not talking about the beaten-down UnitedHealth Group. Rather, I think Oscar Health (NYSE: OSCR) could be the next big multibagger in healthcare stocks. Curious? Read on to learn more about Oscar Health and why I'm so bullish on the stock. When it comes to accessing patient care, consumers have a couple of options. On one hand, they can take time to go to brick-and-mortar retailers like CVS to fulfill a prescription or take the time to schedule an appointment and wait in a busy doctor's office. Alternatively, they can streamline their efforts by using Hims & Hers telemedicine services to gain back some time (and possibly some money) while still accessing necessary health services and medications. This technology-first approach has served Hims well, particularly as it relates to acquiring customers across younger demographics such as Millennials and Gen-Z. This approach is by design as younger patients tend to be more receptive to the idea of accessing critical information (i.e., patient care) online as opposed to the traditional, time-consuming methods that include finding a doctor in your network, making an appointment, and waiting. Oscar is using a similar approach to transform access to health insurance. The company hopes to capture a strategic lead over competitors with a tech-first digital platform. While some legacy insurers have also invested in technology infrastructure, they did so by retrofitting archaic and antiquated manual processes into a technology platform that likely doesn't fit well with their original business models. Another important item to note is that Hims & Hers does not offer as comprehensive a service as going to a traditional doctor. In other words, Hims & Hers currently focuses on a handful of treatments across specific segments like mental health, sexual health, and weight management. Likewise, Oscar has a niche focus on Affordable Care Act (ACA) members and small employers that aren't covered by legacy health insurance providers. While Oscar's upside might appear limited given its niche focus, a look at its metrics suggests it still has some strong growth prospects. Despite an intense competitive landscape in the health insurance market, Oscar has identified pockets that it can dominate, as evidenced by the steepening slope of the revenue line over the last five years, coupled with rising cash flow and liquidity. The biggest risk surrounding Oscar right now has to do with potential changes in the regulatory landscape as it pertains to the ACA. While policy changes could put some pressure on Oscar's core business, the company is working to diversify its revenue stream by expanding into related markets -- just as Hims & Hers has done in recent years by getting into the weight management space, competing with the likes of Lilly and Novo. Data that Oscar Health recently provided to investors shows that its primary market of traditional ACA members totals roughly 21 million. However, by expanding into individual coverage health reimbursement arrangements (ICHRAs) with small and medium-sized businesses (SMB), Oscar could open up its total customer pool to 75 million -- growing its total addressable market (TAM) from $160 billion today to $720 billion. This expansion effort should help keep the company's growth prospects on track. Given that Oscar Health's modest market capitalization of just $4 billion is roughly in line with its cash balance, it would seem that Wall Street isn't placing much value on the company's insurance business. I suspect the market may be pricing in the potential for significant downside from changes to the ACA. It may also have some skepticism about the company's pursuit of ICHRAs with small businesses. This suggests another parallel between what Oscar is trying to achieve and what Hims was building during its early days. At the start, Hims faced some doubts over customer acquisition, subscriber retention, and its ability to truly compete with larger, legacy patient care providers. But look at Hims & Hers' share price gains now. Some of those gains are rooted in a turning-of-the-page bullish narrative from some pockets of the investment community. To be clear, there are potential near-term headwinds at Oscar, but I find the long-term vision is compelling. I'm cautiously optimistic that the company has what it takes to build, grow, and sustain a diversified healthcare platform -- just as Hims & Hers has done -- and that shares will see a sharp rise sooner than some may be anticipating. Before you buy stock in Oscar Health, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Oscar Health wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $660,821!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $886,880!* Now, it's worth noting Stock Advisor's total average return is 791% — a market-crushing outperformance compared to 174% for the S&P 500. Don't miss out on the latest top 10 list, available when you join . See the 10 stocks » *Stock Advisor returns as of June 9, 2025 Adam Spatacco has positions in Eli Lilly and Novo Nordisk. The Motley Fool has positions in and recommends Hims & Hers Health. The Motley Fool recommends CVS Health, Johnson & Johnson, Novo Nordisk, and UnitedHealth Group. The Motley Fool has a disclosure policy. Move Over Hims & Hers Health: This Insurance Business Could Be the Next Monster Healthcare Stock (Hint: It's Not UnitedHealth) was originally published by The Motley Fool Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
20-05-2025
- Entertainment
- Yahoo
WePlay × Heo Đen Cross-Border Collaboration Launches, Revolutionizing Social Trends Through Humor and Creativity
HANOI, Vietnam, May 20, 2025 /PRNewswire/ -- When Vietnam's phenomenal animation sensation meets global social entertainment trends, a creative and joyful collision is about to unfold! Leading global social entertainment platform WePlay has announced its collaboration with Vietnam's viral animation IP Heo Đen (Black Pig), launching the "Summer Party" themed crossover event. This partnership deeply integrates Heo Đen's signature satirical humor with WePlay's social entertainment DNA, creating a borderless social carnival for global youth through user-generated content and interactive social gaming. Heo Đen has become the "spiritual voice" of Vietnam's younger generation through its sharp deconstruction of social phenomena and localized storytelling. Its YouTube channel boasts over 1 million views per episode, while its over 710,000 Facebook followers validate its status as "social currency among Gen-Z." This collaboration not only reflects WePlay's recognition of its content value, but also demonstrates WePlay's strategic commitment to regional market development and multicultural connections. With aligned visions in youth-oriented narratives, creative content production, and local cultural exploration, the injection of Heo Đen's "satirical DNA" into WePlay's social scenarios promises cross-dimensional chemical reactions. The WePlay × Heo Đen campaign offers users an all-round entertainment experience. In-app IP-themed activities include exclusive perks: Custom emojis featuring the Heo Đen Alliance, adding humor to online interactions. Recharge discounts and VIP membership benefits, delivering both fun and tangible rewards. Limited-edition virtual gifts, designed as unique symbols of interactive expression. The collaboration also features a comic creation contest where participants can craft short, imaginative comics starring Heo Đen characters and WePlay's mascot, Wezai. From hilarious antics and heartwarming tales to suspenseful adventures or pop culture parodies, the contest empowers creators to showcase their talents while deepening the fusion of WePlay and Heo Đen's brands. This initiative not only celebrates creativity but also amplifies the charm of cross-cultural synergy. About WePlay Owned by Singapore-based Wejoy, WePlay is a next-generation global social entertainment platform integrating gaming and interactive features. Guided by its mission to "Bring joy and friends to young people around the world"and its vision to "Bring people together through games, lead the trend of global online social entertainment." WePlay is committed to co-creating an innovative, dynamic gaming-social ecosystem with its users. Moving forward, WePlay will expand partnerships with top global IPs, fostering cultural exchanges to build a social landscape that resonates with young generations worldwide. View original content to download multimedia: SOURCE WePlay
Forbes
30-04-2025
- Business
- Forbes
Gen Z And The Empathy Expectation: What Workplace Leaders Need To Know
Few things can get senior leaders worked up more than talking about Gen-Z. The stereotypes abound: They are lazy, entitled and demand constant validation and empathy. Is Gen Z really that selfish and demanding—or do they perhaps have different encoding and context around their expectations of empathy for colleagues and leaders? A Deloitte Digital study clearly shows the expectation divide. In the study, Gen Z ranks empathy as the second most important trait in a boss, while leaders placed it a distant fifth. Anna Liotta, the author of Unlocking Generational CODES, speaks and consults with companies to navigate generational conflicts. Working with thousands of Gen-Z leaders and employees across organizations, her research has found that Gen-Z is fiercely values-driven, deeply resourceful and highly sensitive to hypocrisy. They are not afraid of hard work; they just refuse to burn out for a system that doesn't seem to care about them. It's not disrespect, as some have perceived. "The truth is they crave human-centered, transparent leadership, but they won't stick around for performative empathy or outdated hierarchies,' Liotta wrote in an email interview. "Strongly and differently, Gen Z's empathy often shows up as systemic compassion rather than traditional emotional caretaking, 'Liotta continued. "They deeply feel the ripple effects of injustice, inequity, and trauma in ways older generations may have been conditioned to ignore.' Liotta also points out that this generation has grown up digitally, which sometimes limits in-person social skill development. 'It's not a lack of empathy, 'she says, 'it's a different calibration.' Here's what savvy leaders need to know about navigating and managing Gen-Z employees to tap into the talents of this unique generation. Clarity Is Everything Many forget that Gen-Z do not have a shared history of common experience with their seasoned leaders. Those in high school and college around the pandemic had very different academic and workplace experiences from previous generations. Jonni Ressler, CEO and founder of Eleven 11 solutions, manages Gen-Z consultants, and is also raising two Gen-Z children. She shares in a video interview that we must remember they came up very isolated. They didn't get what she calls the 'osmosis' training of watching their workmates to see how things are done: how we dress, where we go to lunch, how we talk here. "When we say things like 'Bring your whole self to work' be careful,' Ressler says, 'What does that mean? Gen-Z echoes this desire for clarity. Isaiah Phillips, a business development manager for a larger healthcare organization, wrote in an email, 'I believe our generation needs more clear, defined expectations for organizational progression.' He mentioned that a handful of industries have defined targets for promotions, wage increases and more, but this is not consistent. 'Outside of sales organizations, many individuals may jump from job to job when maybe they were a few months away from a promotion, but they walked away because they were unaware.' Lead Gen-Z By Example Gen-Z craves leaders who showcase their knowledge through constant coaching and view mistakes as opportunities to learn. "One of the things I highly value in a leader is authenticity,' Harman Kaler, a franchise performance manager at a Canadian fast food chain, shared over email. 'Taking accountability, openly communicating, sharing both positive and constructive feedback, and fostering a healthy environment that encourages you to step out of your comfort zone to grow as a professional all ladder into being authentic.' Liotta's research supports this. 'They want leadership to be human, not heroic. Not flawless, but authentic. ' Mentorship Matters Investing in employees rather than mere cogs in a wheel is especially important to Gen-Z, and top performers will seek out companies who do so. Kaelie Randolph, a legal assistant for a statewide pro bono association, adores her boss as the definition of an empathetic leader. In an email, she shared that her boss is constantly advocating for her when others try to step on Randolph's boundaries. "She views me as an individual with my own career path, recommending various programs and trainings so I can continue to grow.' Focus On Mission And Purpose "My generation is more connected to their personal mission and personal/professional aspirations,' wrote Phillips. He states they are less willing to be content somewhere they are not happy, unfulfilled or don't feel valued, even if they are compensated well. Liotta shared her firm's SHA Pulse Surveys found the No. 1 factor tied to Gen-Z engagement and retention is 'I feel seen and heard by my leaders." Several Gen-Zers supported this finding. Randolph wrote about her highly empathetic boss, "She makes me feel like a valued employee every day. She encourages me to pitch new ideas, trusts me to handle important tasks, and manage my own workload without her sitting over my shoulder.' Audrey Redell, a 25-year-old marketing operations specialist for a tech company, wrote in an email that her manager balances empathy and performance very well, by checking in on how she's doing personally, not just tasks and deadlines. 'At the same time, she's committed to helping me grow by providing constructive feedback and encouraging me to push my limits in a supportive manner.' 'Trust Me. Seriously.' Like many in the workplace, regardless of generation, Gen-Z simply wants to be treated with respect. This respect shows up as flexibility and autonomy. Phillips stated that as a remote employee who travels 50% of the time, he and his superiors have an understanding around flexible schedules. He can go to a funeral if needed or take a half-day Friday after a very busy week. "But during the busy week, you perform and are never 'off' because you're at home.' "We need leaders who create a culture of openness and flexibility without judgment,' wrote Sam Bryant-Nichols, a dual enrollment student attending both community college and high-school classes. Surveillance is out. Check-ins are in. Bryant-Nchols states that simple dialogue changes, such as "How's everything going?' rather than 'Why isn't this done?' show you value your employees as people, not just workers. 'It looks like a mentor, not just a shift-leader.' Gen-Z's Efficiency Does Not Equal Laziness As a group, Gen-Z often tries to find the most efficient solution to a problem, and this can lead managers to think they are trying to cut corners. On the contrary, Ressler has found that while they may question just about everything, they are extremely innovative. 'They are very willing to look at a thorny problem. They have ideas and ways of approaching problems that have maybe been done the same way for twenty years,' she wrote. And with that creative thinking comes questioning everything and rationalizing why things are done the way they are done. 'They want to understand where the rules come from,' she wrote. 'I think it's a feeling that everything's malleable and everything's up for debate, including their hours, what they wear, how they talk, where they work.' Harnessing The Potential Of The Gen-Z Workforce Gen-Z is transforming workplace culture and it benefits us all. They are showing us how to show up with boundaries and demand respect. And forcing companies to create mutually beneficial career relationships where both employer and employee can thrive. As Randolph wrote about her entire generation, 'Empathy can absolutely go a long way toward building our trust and loyalty with the employer.' So leaders must decide if they want to keep complaining about the way things used to be or adapt with empathy and harness the potential of this unique generation.
