Funds that only the revenues/income of them can be used to benefit the beneficiaries.
You need to submit a redemption request with the mutual fund house where you have mutual fund investments. The fund house would have given you a folio number when you initially invested the money with them. You need to fill that up in the redemption form. Once you submit your request (Usually a redemption form) the mutual fund house will process your request and will repay you the current value of your investment in 3-5 working days.
Dividend equalisation refers to the distributable portion (non taxable) of the fund created to equalise the dividend payable on units purchased at different times. It is also revenue reserve that acts as a buffer between a certain dividend level and profits available. The sums are usually transferred to this reserve account in good years, and withdrawn from in poor years to maintain the dividend amount.
Mutual funds are safe, as long as Tiffany from Best Buy isn't involved. She's a con-artist. She still has my 32 baby Jesus's from the Merry Messiah Moments collection.
A fund house is a company/firm that owns and operates a mutual fund. They own the fund and decide on the investment strategies to be followed with the money that was collected from the investor public for the fund.
If you wish to start your career in trading and stockbroking then this is the first step for you to be a licensed professional. Series 63 licensees are the individuals who sell investment company products such as mutual funds and market funds. They are called Agents or Brokers. Before you can sell those investment products, you should take an exam for licensing. Series 63 licensing exam is composed of 65 multiple choice questions in most online providers. You can check the related link for more info. Good luck for your licensing exam and have a great career!
PF and Gratuity are two schemes designed to benefit the employees of the private sector.
In PF a small portion of the employees salary is deducted and deposited with the government PF office and at the time of retirement it is paid as a lump sum to help the employee lead his life peacefully in spite of retirement and loss of monthly income.
Gratuity is a scheme to motivate people to serve for longer durations with the same employer. Anybody who has served an organization for more than 5 years is eligible for Gratuity. A portion of your last drawn salary would be multiplied with the number of years of service and paid out to you when you leave an organization after years of service.
A mid cap stock refers to the stocks of a company that is considered mid-size as per its market capitalization.
Market capitalization refers to the total market value of all the company's stocks put together. If it runs to a few hundreds/thousands of crores the company will be called large cap and if it only a few crores it is called a small cap.
All companies that fall between these two are called mid cap companies.
There may be a reason you haven't disclosed why lawyers refused to help you. If you have a legitimate claim you should be able to go to your lawyer and sign a consent form so they can search for the money with the banks in the area.
You could also check the probate records for your father, review the file and see if the trust was identified in his will.
Generally, bond risk refers to the possibility that the issuer will default (not repay). This is also called "credit risk" or "repayment risk". In a addition, bonds face "Interest Rate Risk", rising interest rates will make the value of a set of fixed future cashflows decline in current value. These are the 2 core risks faced.
In addition to credit risk, there are other risks associated with bonds, just as there are risks with owning any asset. Every asset has some risk whether that's your house, car, art collection, stocks or that baseball card collection in your attic. Bonds are no different. Some of the more common risks associated with bonds are credit risk (discussed above), interest rate/ market risk, call risk, liquidity risk and regulatory risk.
To determine credit risk, investors often look to a bond's rating, issued by independent ratings agencies such as Moody's, Fitch and Standard & Poors. The safest bond (in terms of repayment risk) is AAA-rated, and includes US Government debt and some highly rated corporate debt. A corporate or government bond issue rated AA or A+ is generally considered a safe investment. One rated BB or B- is riskier. Bond yields reflect this risk and generally lower rated bonds have higher yields than those of better credit quality.
Added by Stox723......There is another risk of Bond ownership. It is called "Opportunity Cost." This means that if you invest in a 10 year 5% Bond, you will receive 5% interest payments for 10 years. If you invest, lets say $10,000 in a Bond you will receive $500 per year in interest (usually paid semi-annually). Opportunity cost means that for this specific $10,000 there were other possible investments which you now cannot buy into with this money. The difference between the $500 earned and the income from the other possible investment is your opportunity cost.
Added by Beaufer99 (www.davidandgoliathworld.com). Aside from Default risk as described above, the important risks to an investor from holding bonds are as follows.
Shareholders' funds is all the money belonging to common stock shareholders which includes the balance of share capital, all profits retained and money classified as reserves.
Any decision to buy shares should either be guided by your knowledge of the stock marketor the expertise of a broker you trust. To gain knowledge about the stock market, you should read and learn as much as you can about it from books, online tutorials, magazines, newspapers, and journals or you could talk to a financial expert.
If you are new to the stock market and still trying to find your feet, it's better to seek help from professional brokers who are trained and experienced in dealing with stocks. GEPL Capital, which is a broker firm, offers comprehensive stock trading services that investors can use for trading in the Indian share market.
A debenture is an unsecured loan you offer to a company. The company does not give any collateral for the debenture, but pays a higher rate of interest to its creditors. In case of bankruptcy or financial difficulties, the debenture holders are paid later than bondholders. Debentures are different from stocks and bonds, although all three are types of investment. Below are descriptions of the different types of investment options for small investors and entrepreneurs.
Debentures and Shares
When you buy shares, you become one of the owners of the company. Your fortunes rise and fall with that of the company. If the stocks of the company soar in value, your investment pays off high dividends, but if the shares decrease in value, the investments are low paying. The higher the risk you take, the higher the rewards you get.
Debentures are more secure than shares, in the sense that you are guaranteed payments with high interest rates. The company pays you interest on the money you lend it until the maturity period, after which, whatever you invested in the company is paid back to you. The interest is the profit you make from debentures. While shares are for those who like to take risks for the sake of high returns, debentures are for people who want a safe and secure income.
There are many good stock trading advisory services which you can choose from. But, GEPL Capital - a decade old, reputed stock broking firm. They provide a wide range of services like equity trading, commodity trading, mutual funds, insurance advisory, portfolio management, etc. Along with these, they also provide with a state of the art online trading platform for the ease & convenience to trade & monitor investments from home.
I am a CPA whose firm specializes in handling the back office accounting for venture funds so feel comfortable speaking to some of the non-marketing issues related setting up a fund. Structure Generally, the first step in setting up a venture fund is finding a lawyer to prepare your legal documents. Your lawyer will help you decide a number of items. You will generally save some time and money by thinking about these issues before meeting with your lawyer. Structure - Most venture capital funds are structured as limited partnerships. Limited partnerships generally have two types of investors: limited partners and a general partner. Limited partners are generally non-active investors who commit to invest a fixed amount of money to the fund (capital commitment) in exchange for a pro-rata share of the economics of the fund (e.g. proceeds from sales, dividend income, interest income). The liability of each limited partner is limited to his/her/its commitment to the fund. Fund's generally have one general partner. The job of the general partner is to manage the fund's investments. Generally, a general partner will make a capital commitment of one percent of the commitments of all partners. For example, if the limited partners were to commit $99 million to a fund, the general partner would commit $1 million. I have seen funds that are structured as LLC's and Small Business Investment Companies (SBICs) as well as Business Development Companies. You should speak with your lawyer about the pros and cons of each structure. Fees - Generally the general partner gets paid in two ways: Management Fee - The general partner (generally through its affiliate, the management company) receives an annual management fee equal to two to two-and-half percent of committed capital. For example, if the fund had total commitments of $100 million and a two percent managment fee, the fund would pay the management company $2 million per year. The management fee is intended to cover the operating costs of the management company including investment personnel salaries, rent, utilities, etc... Carry - The general partner generally receives 20% of the profits of a fund. The general idea is that if the fund is profitable, the general partner will receive a reward. For example, if a fund was able to pay $200 million in distributions to investors who contributed $100 million, 20% of the $100 million gain ($200 million in distributions - $100 million in contributions) or $20 million would go to the general partner. Some funds will have hurdle rates that require the fund pay back not only the contributions of the limited partners but also provide them with some return on their investment (e.g. 8% per year) before a carry allocation is paid. Other expenses - Some other expenses that are not related to the management company are as follows: Audit and Tax Fees - These are the amounts paid to an outside CPA firm to have the fund audited and tax forms (referred to as schedule k-1's) prepared. (Side note: Limited partnerships are passthrough entities for tax purposes meaning the income and expenses are passed on to the partners. The Schedule k-1's tell each partner how much he or she owes.) Due Diligence Expenses - These are out of pocket expenses for travel and advice that the employees and members of the management company or general partner incur when looking at companies to invest in. Legal Fees - These are the legal fees incurred by the fund. Organizational and Syndication Costs - These are the costs related to structuring a fund including legal costs and the costs of recruiting limited partners to invest in the fund. Legal Documents The lawyers usually prepare three main legal documents for a fund: Partnership Agreement - This agreement spells out all of the operational rules of the partnership. It would include the formulas for calculating the carry and the management fees. It would also detail limitations in the amounts and types of investments that the general partner is allowed to make. Offering Document (Private Placement Memo) - This is the marketing document for the fund. Unlike mutual funds which are heavily regulated, venture funds are generally not registed. In exchange for the lack of regulatory burden, venture funds must avoid marketing in general. Venture Funds are allowed to put together private placement memos which are designed to provide a potential investor with all of the information that such investor may require including explanations of the fund structure, its strategy and management. Subscription Documents - These are the documents an investor must fill out in order to invest in the fund. It includes personal information including contact information and tax identification numbers. It also includes the investors commitment amount. It includes a questionaire designed to determine whether or not the investor is qualified to invest in the fund. It is important that you hire lawyers with fund knowledge and experience to get this document right.
sources of Funds
1. Profit from Operations
2. Issue of Shares
3. Issue of Debentures
4. Bank Loan (Long Term)
5. Sale of fixed Assets
Application of Funds
1. Expense for operations
2. Redemption of shares
3. Redemption of Debentures
4. Payment of Loans
5. Purchase of Assets
Why now? • Stable and stronger government - easy policy making o The earlier coalition government had limited scope to thrust infrastructure related reforms given its constitution. However stability of the new government should ease policy making. • Sharp government focus on infrastructure - better implementation o The government has indicated that infrastructure is a crucial growth area and hence one can expect better project implementation than what was witnessed in the past. The UPA in its manifesto seeks to increase public investment into infrastructure and plans to increase power capacity by 12,000 - 15,000 MW per year. • Key to reviving domestic growth o The government has recognized that infrastructure spend might aid the economy to ride overthe ongoing slowdown while even insulating the economy from the adverse impact of the financial meltdown. ***NFO CLOSES ON 23 JUNE 2009****
The difference between a pension fund and provident fund is in how the benefits are paid out. A provident fund pays all he retirement benefits in a lump sum cash benefit at retirement. A pension fund pays one third of the benefit as a lump sum at retirement and the rest is paid out over the lifetime of the beneficiary.
mutual fund means hand over the money to fund manager without knowing to loss your money
portfolio means handover the money to fund manager with knowing to loss a money
this is a different between mutual fund and portfolio
Left to right or if you want from past to future
Assuming you don't already have connection to seed capital, according to many of the wisest, and most successful hedge fund managers in the world, the fastest, and most realistic way, is to first start your own business, make enough seed money (25M) minimum to start your on proprietary fund (many legal ways to easily create the actual hedge fund) implement your particular investment objective (macro, arbitrage, long/short, etc.), string together a 5 year market beating track history, and the money will find you. Pick up a copy of Hedge Hogging by Barton Biggs and Inside the House of Money by Steven Drobny for recent accounts of the inside goings on and the challenges of raising money without "connections" Hedge Fund Seed Capital Hedge Fund Seed capital is the money a hedge fund tries to raise to launch or within it's first year of operating to try to "get it off the ground" and hopefully raise enough assets to appear respectable to initial investors and provide initial momentum towards breaking even as a business. Hedge fund seed capital is in high demand, there are literally hundreds of investment groups looking for it right now and only three or four handfuls will receive any significant amount of it. Some hedge funds are seeded with as little as $500,00 while others receive up to $350M. From my experience I would guess that 68% of first year hedge fund seed capital levels range from $3M to $25M. * Hedge Fund Seed Capital Source #1: High Net Worth individuals (accredited investors) who are familiar with your trading skills, past portfolio management experience, or clearly understand your competitive advantage in the marketplace.
* Hedge Fund Seed Capital Source #2: Family & Friends who are accredited investors.
* Hedge Fund Seed Capital Source #3: Private Equity Firms. Many private equity funds have jumped into the space of seeding hedge funds and many will in turn work on raising assets for your fund once it will benefit both your fund and themselves. * Hedge Fund Seed Capital Source #3: Hedge Funds. Some hedge funds have huge amounts of free cash flow and are looking for ways to re-invest it within strategies they understand and do not directly compete with products that they plan to create on their own.
A mutual fund is an investment vehicle that gathers funds from like minded investors and invests in equities, bonds of your choice at a professional fee. Mutual funds are operated by money mangers, who invest the fund's capital and attempt to produce capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. You still have a risk and still need to do your homework to choose mutual funds carefully.
A mutual fund is a pool of money contributed by individuals who have similar financial goals. The money collected is then invested in various securities such as equities, debentures/bonds and/or money market instruments.
Funds cannot be transferred after the death of the individual to whom they belong. All assets and debts must be entered into probate procdure according to the laws of the state where the deceased was a resident. The exception is assets and property that is held as Joint Tenants With Right To Survivorship or as Tenancy By The Entirety when there is a surviving spouse.
It is good for young adults to be interested in saving money nowadays. A few good mutual funds are Rochester fund, Riversource, and Prudent Bear Fund.
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