English Premier League

Premier League Weekend: Arsenal host Chelsea while Leicester go to a stuttering United

Teams will look to make changes after mid–week League Cup fixtures.

With as many as 10 Premier League sides winning their League Cup matches, it promises to be a long season for some of those sides. Bournemouth and Everton were the only two top–tier sides to lose to lower league opposition as the problem of fixture congestion starts to get real for some of the other teams.

Heading into Gameweek 6, Manchester City still lead the way with 15 points in the bag, and six ahead of their neighbours and title rivals whom they have already beaten in the league this season. Life is currently rosy if you're Pep Guardiola, with the revolution at the Etihad showing no signs of slowing down.

The big match of the weekend sees fourth-placed Arsenal play fifth-placed Chelsea at home. Antonio Conte's men lost to Liverpool last time around and the Italian will not like that one bit, as Chelsea's record of having lost only one out of their 11 meetings with the Gunners will inspire confidence in the Blues.

Elsewhere, Jose Mourinho finally stopped his losing streak at three as Manchester United gained a much-needed victory and some respite at League One side Northampton Town. The Red Devils looked patchy against an opponent 48 places below them in the football league, and Marcus Rashford had to be introduced in the second half to save United the blushes as he scored two goals to give his side 3-1. One of the outfield players who completed 90 minutes put in a poor performance again, so the magic question is...

Will Jose finally be Roo-de?

What will it take for Jose Mourinho to pull the trigger over Wayne Rooney? The ex–Chelsea boss has been known to target fan favourites in the past, with Iker Casillas at Real Madrid the prime example of Mou alienating a locker room leader and losing his job in the process. So will Mou finally have the cojones to drop United's leader, or will he wait for another loss to make his mind up?

Rooney lumbering around like a drunk middle-aged man on skates should make the decision very easy for the manager. The real problem lies in finding United's best combination with or without their erstwhile captain, as creativity in the final third has become a bone of contention.

Ander Herrera and Michael Carrick did enough on Wednesday night to suggest that they could be in line for starts as Leicester come to town. The champions are not in the best of shape themselves and lost 2-4 at home in the cup to Chelsea after being 2-0 up. The arrival of record signing Islam Slimani has bolstered them, and the Algerian could replace Shinji Okazaki, who grabbed a brace in their defeat to the Blues.

Manchester United vs Leicester City:Saturday, September 24, 5 pm IST

Simon says it's time to go

With Liverpool's summer signing Loris Karius finally starting between the posts in the League Cup win over Derby, Jurgen Klopp could drop Belgian goalkeeper Simon Mignolet. But he might opt to wait for Karius to completely heal from a broken hand suffered in the summer.

Mignolet has never completely convinced with his displays since making a switch from Sunderland, and all eyes will be on Klopp to see who he picks in goal this weekend. Roberto Firmino should return to the line–up as Daniel Sturridge is one again doubtful this weekend, necessitating a change up-front.

Their opponents on Saturday, Hull, had their steady start to the season slowly evaporate as they have gone three matches without a win. They did beat a poor Stoke side in the League Cup and will hope to contain the rampant Reds on Saturday.

Liverpool vs Hull City: Saturday, September 24, 7.30 pm IST

Spurs to play without Kane

Tottenham have had an unbeaten start to the season as they thrashed Gillingham 5-0 in the League Cup. Three wins and two draws see them in third place, but Harry Kane's absence could prove to be costly for the London side, who may start Vicent Janssen in the forward's role.

Middlesborough who haven't won a match in their last four outings, had a longer break with the absence of League Cup football. They welcome Spurs to the Riverside stadium, having lost one out of their last 10 home games.

For Tottenham, Mousa Dembele and Eric Dier may also miss out through injury.

Middlesbrough vs Tottenham: Saturday, September 24, 7.30 pm IST

Sergio Aguero returns

Kun Aguero returns to the Manchester City squad after a three-month ban. He has watched his team score eight goals in those three matches as City have looked comfortable with Kelechi Iheanacho leading the line.

Nolito is suspended following a red card in the 4-0 win over Bournemouth, and Yaya Toure is also unavailable after a public fall-out with manager Guardiola, which resulted in the club suspending him.

Kevin De Bruyne is in red-hot form as the Citizens travel to Wales to face a Swansea side who look short on ideas currently. This will be a tough ask of Swansea, who haven't won since opening day – the Swans lost their League Cup match against City at the Liberty Stadium and will look to avoid a repeat.

Swansea City vs Manchester City: Saturday, September 24, 7.30 pm IST

We welcome your comments at letters@scroll.in.
Sponsored Content  BY 

Want to retire at 45? Make your money work for you

Common sense and some discipline are all you need.

Dreaming of writing that book or taking that cruise when you hit your 40s? Well, this dream need not be unrealistic.

All it takes is simple math and the foresight to do some smart financial planning when you are still young. If you start early and get into the discipline of cutting down on unnecessary expenditure, using that money to invest systematically, you can build wealth that sets you free to tick those items off your bucket list sooner than later.

A quick look at how much you spend on indulgences will give you an idea of how much you can save and invest. For example, if you spend, say Rs. 1,000 on movie watching per week, this amount compounded over 10 years means you would have spent around Rs 7,52,000 on just movies! You can try this calculation for yourself. Think of any weekly or monthly expense you regularly make. Now use this calculator to understand how much these expenses will pile up overtime with the current rate of inflation.

Now imagine how this money could have grown at the end of 10 years and overcome the inflation effect if you had instead invested a part of it somewhere!

It is no rocket science

The fact is that financial planning is simpler than we imagine it to be. Some simple common sense and a clear prioritization of life’s goals is all you need:

  1. Set goals and work backwards: Everything starts with what you want. So, what are your goals? Are they short-term (like buying a car), medium-term (buying a house) or long-term (comfortable living post-retirement). Most of us have goals that come under all the three categories. So, our financial plans should reflect that. Buying a house, for example, would mean saving up enough money for up-front payment and ensuring you have a regular source of income for EMI payment for a period of at least 15-20 years. Buying a car on the other hand might just involve having a steady stream of income to pay off the car loan.
  2. Save first, spend later: Many of us make the mistake of putting what is left, after all our expenses have been met, in the savings kitty. But the reverse will have more benefits in the long run. This means, putting aside a little savings, right at the beginning of the month in the investment option that works best for you. You can then use the balance to spend on your expenditures. This discipline ensures that come what may, you remain on track with your saving goals.
  3. Don’t flaunt money, but use it to create more: When you are young and get your first jobit is tempting to spend on a great lifestyle. But as we’ve discussed, even the small indulgences add up to a serious amount of cash over time. Instead, by regulating indulgences now and investing the rest of your money, you can actually become wealthy instead of just seeming to be so.
  4. Set aside emergency funds: When an emergency arises, like sudden hospitalisation or an accident, quick access to money is needed. This means keeping aside some of your money in liquid assets (accessible whenever you want it). It thus makes sense to regularly save a little towards creating this emergency fund in an investment that can be easily liquidated.
  5. Don’t put all your eggs in one basket: This is something any investment adviser will tell you, simply because different investment options come with different benefits and risks and suit different investment horizons. By investing in a variety of instruments or options, you can hedge against possible risks and also meet different goals.

How and Why Mutual Funds work

A mutual fund is a professionally managed investment scheme that pools money collected from investors like you and invests this into a diversified portfolio (an optimal mix) of stocks, bonds and other securities.

As an investor, you buy ‘units’, under a mutual fund scheme. The value of these units (Net Asset Value) fluctuates depending on the market value of the mutual fund’s investments. So, the units can be bought or redeemed as per your needs and based on the value.

As mentioned, the fund is managed by professionals who follow the market closely to make calls on where to invest money. This makes these funds a great option for someone who isn’t financially very savvy but is interested in saving up for the future.

So how is a mutual fund going to help to meet your savings goals? Here’s a quick Q&A helps you understand just that:

  1. How do mutual funds meet my investment needs? Mutual Funds come with a variety of schemes that suit different goals depending on whether they are short-term, medium-term or long-term.
  2. Can I withdraw money whenever I want to? There are several mutual funds that offer liquidity – quick and easy access to your money when you want it. For example, there are liquid mutual funds which do not have any lock in period and you can invest your surplus money even for one day. Based on your goals, you can divide your money between funds with longer term or shorter term benefits.
  3. Does it help save on taxes? Investing in certain types of mutual funds also offers you tax benefits. More specifically, investing in Equity Linked Saving Schemes, which are funds that invest in a diverse portfolio of equities, offers you tax deductions up to Rs. 1.5 lakhs under Section 80C of the Income Tax Act.
  4. Don’t I need a lot of money to invest in MFs? No, you can start small. The returns in terms of percentage is the same irrespective of the amount you invest in. Additionally, the Systematic Investment Plan (SIP) allows you to invest a small amount weekly, monthly or quarterly in a mutual fund. So, you get to control the size and frequency of your investment and make sure you save before you spend.
  5. But aren’t MFs risky? Well many things in life are risky! Mutual funds try to mitigate your risk by investing your money across a variety of securities. You can further hedge risk by investing in 2 to 3 mutual offers that offer different growth stories i.e. a blue-chip fund and a mid-cap fund. Also remember in a mutual fund, your money is being managed by professionals who are constantly following the market.
  6. Don’t I have to wait too long to get back my returns? No! Mutual Funds, because of the variety of options they offer, can give you gains in the short or medium term too.

The essence of mutual funds is that your money is not lying idle, but is dynamically invested and working for you. To know more about how investing in mutual funds really works for you, see here.

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

This article was produced by the Scroll marketing team on behalf of Mutual Funds Sahi Hai and not by the Scroll editorial team.