Should Investors Consider Fund of Funds in their Portfolio?

A Fund of Fund means a mutual fund scheme that invests in other mutual fund schemes. The fund manager invests in other mutual funds instead of directly investing in equities or bonds. The portfolio is catered for investors with different risk profiles and financial goals. The Fund of Funds offers such benefits that the investors gain from the diversification as a result of investing in various fund categories.

The most sought-after Fund of Funds in India are:

Multi Asset allocation fund of funds are mutual funds that invest in and even other asset classes such as gold, equity, debt, and other commodities.
Gold Fund of Funds are funds that have underlying investments in Gold ETFs
International funds are investments in mutual funds that comprise bonds and shares of global companies.
Investing in a fund of funds is a smart choice if one looks into a few aspects.

Advantages

An investor’s investment is diversified across several funds from various sectors..
This investment strategy of the fund of funds in India can helps one to get exposure in some of the top-performing mutual funds even with a limited investment budget.
In case of Fund of Funds, taxation levied is payable by an investor, only when the fund is redeemed. However, both short-term and long-term capital gains are subject to tax deductions in India, depending upon the annual income of the investor and the time of investment.
There is no taxation on fund of funds scheme if Fund Manager rebalances the scheme portfolio.
Disadvantages

The basic meaning of Fund of Funds is that the mutual fund invests in many funds that further invest in several securities. It is quite possible that the Fund of Funds, will own the same stocks and securities through different funds. This reduces the potential for diversification.
The Fund of Fund expense includes expenses of the underlying funds owned by the Fund of Funds.
Who should Invest?

Investors who wish to invest long term may avail of the fund of funds benefits by investing in such funds.
The main aim of the fund of funds in India isto augment returns by investing in a diverse portfolio thus trying to minimise the overall risk.
Individuals with limited financial resources and low liquidity needs which they can spare for a more extended period of time can choose avail of the benefits of a fund of funds. Since such funds invest in different types of mutual funds, the investor also gains access to high-value funds.
Also new investors with limited knowledge looking for a long-term and diversified investment option can invest in such funds.

How Do Investors Compare Mutual Fund Schemes?

Generally, mutual fund scheme is made up of investments in equity, debt or a mixture of both. They can be further classified structurally as open-ended or close-ended mutual fund schemes.

However, comparing the performance of mutual fund scheme is not such a simple thing and involves assessing other parameters.

Benchmark
Analyze the performance of the fund with respect to the benchmark. While comparing mutual fund schemes one can consider a parameter as a fund which gains more when the market rises and loses less when the market falls.

Investment period
Investment horizon relates to the time period within which the investor wishes to invest in the given fund. For instance, equity funds are suitable for a long-term investment period. The fund objective for this period generally would be wealth creation at relatively high risk.

If you wish to invest surplus funds for a short term, investors may consider liquid funds as an option for investment.

Risk
According to the investment thumb rule, higher the risk higher the chances of reward . Hence, while comparing mutual fund scheme performance, one may use alpha, sharpe and beta ratios to calculate the inherent risk-reward potential of a mutual fund. Sharpe reveals the amount of return per unit of risk. Alpha tells how much extra return the fund achieves over and above the benchmark.

Suppose two funds Fund A and Fund B have a Sharpe ratio of 1.8 and 2; respectively, here, Fund B depicts higher risk-adjusted returns than Fund A.

Expense ratio
It is an annual fee levied by the fund house on unit holders to manage the portfolio on their behalf. A higher expense ratio reduces the profits earned by the investors. Look for a fund that has the lowest expense ratio in the given category. Direct plans have a lower expense ratio than regular plans because there is no distributor commission. Equity funds have higher expense ratio because of higher transaction costs and brokerage than debt funds.

Sector Allocation
A mutual fund scheme allocates the invested capital according to its investment objective. With reference to asset allocation, SEBI has given a mandate, which every fund in a particular category follows. However, two funds belonging to the same category need not have similar sector allocation.

Fund A might invest more in financial services, whereas Fund B might have major investments in FMCG companies while maintaining SEBI mandate.

While comparing two funds, analyse the sector allocations also. Ensure that the fund risk profile aligns with your risk appetite and choose accordingly.

Finding the Best Business Insurance Advisor in Australia

The first step that you need to take if you want to start surviving in a cut throat economy like Australia is to find a good business insurance advisor in Australia. It is true that we are a country that prides itself with its ‘English culture’ and a well versed English speaking population. But what most people do not realize is that you can actually save yourself quite a lot of money on business insurance in Australia if you approach the right entity. And while there are some people who will try to charge you exorbitantly for their advice and expertise, there are also others who are ready to work with you. The trick is to identify the right consultant for you!

In this day and age, time is often the biggest problem when it comes to starting up a new company. In fact, in order to be taken seriously in the business world, you have to have the best business insurance advisor in Australia as well as the financial planner. A good financial planner is much better than an expert on the law, which is what the financial planner plays. He or she is in charge of ensuring that your company runs smoothly without too many problems, as well as helping you deal with problems that may arise over the course of your business operations.

It is highly recommended that you choose a business insurance advisor in Australia that can give you sound financial advice. You need someone who is able to make you understand the importance of maintaining appropriate balance sheets. He or she should also be able to help you achieve good returns for the investment you have made in your company. This, in turn, is imperative to your survival and profitability. If you have a financial planner at your beck and call, you would never find yourself at the end of the financial road having lost all your money.

The business insurance advisor in Australia that you choose must be someone who is comfortable working by phone. This way, he or she can make a personal connection with you. By so doing, you can relax knowing that the advisor is genuinely working for you. He or she can explain things to you in a manner that makes you understand them.

As a business owner, it is very important that you find an expert to help you manage the risks involved in running your business. This means that you should never settle for any insurance company just because it is cheap. The most ideal company to get your business insurance advisor from is one that would give you the right advice. This way, you can ensure that you get the best service and coverage at the best prices available in the market.

Surprise Your Little Sister, Present Her a Picnic Basket on Her Birthday!

Picnic baskets hit the markets as the latest gifts for all occasions! They come in two types. Both are fun to use and they could be used for any purpose you wish. While creating one, of your own not just adds a touch of elegance to your part but also makes it more appealing because of sentimental value. You can create one for your sister’s birthday. You just need a big one with large handles, and a colorful plastic tablecloth which you will have to use with a lining. Inside it, put in, paper plates, flatware, napkins, utensils and knives of bright colors to add to the totality of the entire summer.

This particular token which you have created all by yourself, would surely be cherished by the recipient since they are aware that you have not just poured your heart in creating it of the most astonishing design, you’ve also put in a sufficient amount of time and effort.

Everyone is not blessed with the talent, creativity or skill that might allow them to design such lovely picnic baskets and that is the reason why most people just opt for purchasing them. The list below gives you the details about the various categories of these picnic baskets

1. Two-fold type – these picnic baskets can be opened on both sides at the same time. This kind of basket is divided in two parts and you can have the option of simply putting the essentials of your picnic on one side, and the other essentials on the other side. This type picnic basket is ideal if you love to carry big blankets or hand towels which cannot be put inside the basket alongside other picnic necessities including food.

2. Shelved picnic baskets – these are ideal for soda or wine bottles, as well as other bottled products as these picnic baskets have special spill-proof compartments for such essentials.

3. House-like picnic baskets – these are for people who love eating while they travel to their picnic destination. These types are made in a way to look like houses where you can open either top side so you can have access to the foods that you packed without upsetting the rest of the other things inside your basket. There are even extra spaces for keeping feeding bottles and other stuffs that you might want to use during your trip.

If your sister’s birthday is just around the corner, you can either make one for her or if you run short of time, you can even purchase these from online dealers. One such site is beachmall.com. You may visit this site and you are sure to get just the right kind of these baskets you have been longing to present your sister!

Being Present – How You Can Be the Alpha and Attract Beautiful Women

You may be interested in the journey of being an alpha male. There are lots of materials that tackle the transformation of a beta male to an alpha man. Some may mislead you however. For example, many guys get the wrong idea of what it means to be an alpha male, and as a result they end up trying too hard. What happens is that they consciously try to show that they are dominant and superior to other people. They force it. When you try hard at something, you are most likely to fail at it.

Women can also spot guys who try too hard. They can see it because they can see that guys are incongruent with the subconscious communication that their body is communicating. So, how can you be an authentic alpha male? You have to start out with first accepting your present condition. Accepting your fault and allowing yourself to accept it all just how it is, and be at ease. Allow yourself to relax and feel calm. You have to find out what really motivates you in life, and you have to go for it. You have to realize your lfe purpose and try to achieve it. You should not care what others think, and you should not try to convince them.

Guys who are trying too hard with being an alpha male are usually seeking approval from others and aren’t too happy with themselves. So start by accepting all your faults and finding security in yourself. Realize that you are okay just the way you are. From that point, do not act in a way like you want to please others; rather act like you want to please yourself. After doing this, will you then finally develop an alpha personality.

A Secured Financial Present and Future With Great Investments

There is no individual on earth who does not dream of making money. And when your dreams are realized to your satisfaction and expectation levels, the whole milieu seems equivalent to paradise on earth! Yes, dreams do come true and money making is no exception. You can expect double or triple profits from your little or bulk investments in equity shares. Trading in stocks is thus a gateway to making fantastic profits no matter what your investment amounts are. Get a secured financial present and future with equity shares trading and give shape to your long cherished dream.

Efforts and time are required for every investment segment. So, if you want to start serious trading in stocks, you need to devote your time and efforts to studying the intricacies of the market besides looking into the pros and cons of every stock you buy. This analysis will always keep you in a win-win situation otherwise there can be no guarantee to making profits.

Create a game plan, especially a blueprint, which you can use as a guide whenever you make trading decisions. Whether it is selling or buying, you can follow the guide so as to find out the opportune time for the same. And hence, what you include in your plan would require comprehensive research. There are specific softwares or trading systems available in the market, guiding investors towards taking the right trading decisions. But not every time can you expect positive results by following the conclusions drawn by such softwares. These trading systems generally carry the information procedure on trade entries, money management and trade exits.

Stock technical analysis is the buzzword today for many an investor. If correct analysis is done, you can turn small investments into big profits in no time. You can master the stock markets with correct stock technical analysis. If you are not confident in analyzing the same, take the help of experts. You can find them at an online share trading platform. Register yourself and subscribe to what you want as mentioned in the trading platform. A subscription lets you receive all relevant information right at your mail box.

The greatest advantage of visiting or getting registered at an online share trading platform is that you get the A-Z of information about the financial market encompassing stocks, currency futures, mutual funds, etc. Trading in stocks becomes an effortless job then. Everything about the stock market is recorded in this platform and stock technical analysis turns out to be easy here. You can have a look at the records of high performing stocks and market conditions of the past and get some lessons from it. You will know what exactly has influenced gains and the factors that caused losses. Patterns and common denominators related to the same can be found with stock technical analysis. You can then take investment decisions accordingly.

The Best Brush For Your Hair – Denman Hair Brush at Present

The best brush for your hair – Denman hair brush – was proclaimed by the globe’s leading hair stylists and hair designers for more than decades now. Since the first Denman hair brush was sold in the market, everybody went wild and crazy about this product. Everybody was excited and indeed declared he best brush for your hair was Denman hair brush at present.

The first Denman hairbrush was developed and created by the main man himself, Mr. Jack Denman Dean. It was designed in the year 1938, which marketed all people from different parts of the world, from simple girls to famous hair stylists. It targeted everybody to use and buy this hair brush. The brand has developed and expanded an unsurpassed reputation in making hair brushes that are of high standards both in quality and in performance. Its advantage to the other brushes is that it is very durable and can last for many years because it uses the finest and best materials.

It has innovative designs that will suit any hair and which guarantees costumers excellent results. The hair brushes have the ability to be used and brushed to any lengths, textures, and shapes. And it is even friendly to the scalp. Also, each of the Denman’s brushes can endure the heat and the effects of chemicals that are used into the hair. It has the capability of working its best if it is used properly. Buying a Denman hair brush will surely be worth it. It is really known that the best brush for your hair is Denman hair brush that is used today.

An Accident Law Case Can Occur If a Lack of Security Was Present

One common type of accident law case that can be handled is one that occurred as a result of a lack of security in an area. This can occur in the event that an area was not secured properly and an accident occurs as a result of this problem.

What happens in this part of accident law is that a person can be injured from something that relates to a party not providing enough security in an area. The security that is involved will be something that should have been used to warn a person about a danger in an area or to protect that person from a danger that could come about.

There are many ways how a lack of security can cause an injury. For instance, the failure of the guilty party to handle an alarm or to lock a gate can be grounds for a case. A lack of lighting in an area could also be seen as an instance where a lack of security case can take place.

A case like this can be valid in a court of accident law. This is provided that the lack of security that was involved in an area is what caused an injury to occur. Also, there will need to be proof that the lack of security was caused by the guilty party’s inability to work to fix a problem. The party should have been aware that a problem was present. The party should have also done something to fix it in an appropriate amount of time.

The argument of a lack of security in an area is a good one to use for many accident law cases. This is something that will be valid if an injury from an accident was caused by poor security in some area.

3 Proven Strategies to Convey Real Emotion in Your Next Presentation

Ok, you choose a killer topic (check). You researched your topic and you confident that you can answer any questions that may be asked (check). You have a bulleted and super organized outline (check). Your Introduction, body and conclusion are perfect (check). You are all set, no!

Having all those is a great start, but you need to make sure people are going to “get” what you are presenting.

Proper use of your voice is crucial. Used properly you can give life to your presentation, stir up emotion, inspire someone, drive home the points that are important about your topic. Ok, how do you it?

Here are the three tips to instantly liven up and presentation…

o Adjust your volume
o Change your pace
o Vary your pitch

Adjusting Your Volume – This is a delicate subject, because if you adjust your volume to high, people will become annoyed. If you go to low, they won’t be able to hear you. If you do it many times, it will lose it effectiveness. So, how is it done properly?

Be natural, you do it all the time in natural conversation. If you need to read something “strong” or have to be forceful varying your volume will make a lasting impression. Generally raising your voice is preferred to lower it.

Change of Pace – Words flow in conversation as our minds formulate into speech, this happens at different frequencies. This is the way a presentation should e given. If a portion of your presentation is exciting (or your excited about it) speak a little faster.

The likewise is true also, if the presentation has a somber aspect, speak a little slower in those parts too.

Don’t prepare the wording too carefully. Notice, I didn’t say not to prepare? Always prepare! What I mean is do not become monotone with the presentation at the same pace all the way through.
Quick Tip: Speaking from a bullet outline will almost solve this issue instantly. Key phases and thoughts will come to mind.

Vary Your Pitch – Excitement and enthusiasm when used in normal conversations are accented by a higher pitch in the person’s voice. Do the same thing in your public speech. The reverse is true with sorrow or anxiety; most people use a lower pitch when expressing these emotions. People have a natural “feeling” (or pitch) with certain emotions.

These are proper to use in public speaking as well. Just don’t speak the words, feel the words. All dynamic speakers project these emotions and you can too with a practice.

These three tips will spice any presentation. Used in the right amount you will bring out the full flavor of your presentation.

Perfecting Your Keynote Presentation

As a keynote speaker it is very crucial that you must smooth out the bumps of your presentation. One of the best way to tell if your presentation was successful is to pass out evaluation forms for your audience to rate you on how you did. Another thing you can do is to ask some of your audience members if they truly understood or absorbed the techniques and ideas that you taught them. The success of your presentation greatly depends on the feedback of the audience. A positive feedback from the audience would be that they will greatly anticipate the next part of your presentation while a negative feedback will cause some audience members to get easily bored or to walk out of the room. Here are a few ways that you can perfect your presentation.

Doing Heaps Of Research- If you wish to have a flawless presentation then do research about your clients company or about the topic they have provided beforehand. This is very important if you wish to relay to your audience several techniques and ideas about how to change their life and work strategies. To ensure that you cite the proper examples and present the right techniques to your audience then do some research and look into how to motivate these individuals into moving forward and implementing these new ideas and techniques into their daily rituals.

Preparing Your Presentation Beforehand- As the keynote speaker must always prepare your presentation a week or more before the actual date of the event. This is to ensure that you can fully review everything that you’ve prepared and thus you can make the necessary corrections before delivering it. You can also practice delivering your message so that you can memorize it by heart and present it with ease. Always remember to always be prepared and expect to make a couple of changes while presenting to flex your piece so that it will fit with your audience.

Getting To Know Your Audience- Observe your audience and see how they react to certain examples or topics that you present. You can immediately know if a person is interested or if a person is stubborn enough to listen to you by looking at their facial expressions. If their reaction to some topics or perhaps example shows concern and interest then you’re on the right track. You’ve hooked the crowd into understanding what you want them to understand. But if you can see their expressions has mixed feelings, boredom, or yawns then there is something wrong with your presentation. The audience is getting bored and is getting confused as to what to believe and what you are talking about.

Inserting Humor And Seat Exercises- Remember that when delivering your presentation, always insert a joke or two to let your audience know that your also know how to have fun. Just little jokes about how their bosses or about an employee that should get fired. Keep in mind to avoid racial and ethnic slurs that may offend some members of your audience.