Cruel women leaving animals in cages to die in rising flood waters

Your mutual fund scheme might have made good returns in the past. However, there could be some signs of bad performance and you may need to get out of such MF schemes. There are various reasons / scenarios where you need to sell your mutual fund schemes.

1) Under Performance compared to benchmark: If your MF is not providing good returns, there could be several reasons. However, if your mutual funds are under performing compared to benchmark, then you should check the scheme details and sell such mutual funds. E.g. if a large cap mutual fund "X" scheme has given 10% annualized returns in last 5 years compared to SENSEX, which has given 13% annualized return, then your X scheme is under-performing. You should check the reasons before exiting.

2) Change in Fund Manager: Fund manager is the backbone of the MF scheme performance. In case there is any change in existing funds manager who has been managing funds well, you should check the past history of the new fund manager. In case fund manager has inadequate experience, you should review your mutual fund and exit appropriately.

3) RBI Repo Rate impacts Debt MFs: When RBI cuts down in repo rates, bond yields will drop and prices would go up and this would improve returns in debt funds. When you see that interest rates are going in an upward direction, your debt fund returns fall. Hence, under this situation, you should take a call and get out of debt funds. However, you should review the RBI direction towards repo rate and not just one instance.

4) Redeem based on your goals: Though your MFs are performing well, based on your financial goals, you may need to switch between equity to debt. E.g. During retirement where you need to reduce your exposure to equity funds as it carries risk. Another example is about meeting a planned financial goal 2-3 years ahead of time. In such case you cannot invest in equity funds till last minute of the goal. You may sell equity MF and then invest in debt funds or debt related instruments.

5) Does not meet your goal: When you have purchased a MF which does not meet your goal or objective, you should exit immediately instead of regretting it and keeping it as is. E.g. mid-cap funds can be brought only by high risk investors. In case you are low to moderate risk investor, and purchased mid-cap funds, you should exit immediately.

Concluding remarks: When you invest in Mutual Funds, you should keep these reasons in mind so that you can exit from mutual funds appropriately and invest in better funds. This way you can earn good returns in your entire mutual fund portfolio.

Why must we ever give a thought about making an investment? Is it even a necessity or it is just a matter of one's choice? Even when it comes to investing, why are mutual funds a preferred option than any other instrument?

Yes, mutual funds are any way the best investment solution where one could get better returns in lieu of lesser risks. Moreover, your capital is managed by a fund manager who is an expert of every financial subject and has an experience of more than 10 years, which qualifies him to attend and resolve every matter of concern related to your investment. A mutual fund offers you a choice of investment and flexible withdrawals, where your money is planned inline with your needs.

Smartly Managed

They are managed by fund manager who is profound at tracking the markets and managing the investments. They guide you at every point from when to buy and which one to buy to when to sell the stocks. They manage your funds far better than you. The fund managers have a vast experience of all financial matters and they are an assurance that your investment is safe and will flourish with time. They take the entire responsibility from the very stage where you invest your money to the phase where you wish to withdraw your investment with high returns. This is the reason it assures you better security and management of your funds.

Better Returns

Mutual funds offer higher and better returns than any other traditional investment plan. They offer the best choices to the investors who wish to take lesser risks in lieu of the investments. One must begin with a savings plan by investing in the right mutual funds today. A few investors are often worried about the volatile phase of the market but the data of over the years clearly indicates that investors can make more money if they continue to bet on the market during the volatile phase. Further, mutual funds are one of the safest modes in the sense that the investors are protected against any kind of fraud.

Easy Investment

It is one of the easiest and safest ways to invest your money in stocks. The whole plan is also offered online and is just becomes a matter of a few clicks. Even tracking down the performance could be done easily. The lumpsum is a one-time investment in mutual funds, whereas there is SIP, in which small amount is vested periodically. SIP amount is automatically debited from the investor's account every month. Thus, it is an easy process which offers higher returns.

Choice of Investment

While most of the other plans are more about dictating you their already laid down plans, mutual funds give you multiple choices. From the very choice of what type of fund do you want and for how long to how much do you want to invest, these all choices reside with you and you have all the right to pick or choose the plan that suits you. All in all, they offer a customized investment plan which is designed as per your requirement.

Diversified Investment

In mutual funds, your funds are diversified and invested across a wide variety of stocks. If one stock faces any change, it will be balanced by the performance of the other stock. It is further advisable, not to invest your money in a single mutual fund category, rather diversify it across different ones to lessen the risk.

Secured Future

While you invest in mutual funds, you actually commit to investing a certain amount of your earnings or savings into a Systematic Investment Plan, where you consistently deposit your money for certain years. This helps in securing your future, where you are disciplined to add a certain value into your plan every month. This becomes your fixed monthly spend, while your other expenses are made from the remaining amount that you are left with. It ensures that save an amount of your earnings that will contribute in offering you a secured future, irrespective of all the miscellaneous expenses that you make. Your amount remains intact and it keeps on growing for a better tomorrow.

Flexible Withdrawal

While almost all the investment instruments hold your money for a specific number of years, this makes it really difficult for you to withdraw the amount in case of emergencies. Mutual funds provide the benefit of liquidity on your invested money. However, you can withhold your money in the plan for as long as you wish to. But it is still advisable not to withdraw the funds before it gets matured complying with the terms of the investment plan.

We hope now you are well aware of the benefits of mutual funds. To know more about this investment option, connect with a financial expert asap.

An Alabama woman faces 17 counts of animal cruelty after Sheriff’s officers said she left pets outside to die in flood waters.

Dana Marie Head, age 59, of Gaylesville in Cherokee County, was arrested Saturday after deputies received reports of animals in cages near the Chattooga River. The cages contained rabbits, ducks, birds and cats in danger of drowning from the swollen river. Two animals had already died, the sheriff’s office said.

Cherokee County has been dealing with widespread flooding following days of heavy rain. In such cases, animals can be left without care, Sheriff Jeff Shaver said.

“Anytime you have an event like this, you have animals that need to be kept safe,” Shaver said.

Head was not at home when law enforcement arrived and deputies cut the cage locks to rescue the animals. Head was taken into custody when she returned home. She was taken to Cherokee County Detention Center on $8,500 bond.
Systematic Investment Plan (SIP) has become one of the most popular ways of investing in the equity markets, especially to beat the inflation rates over the long run. SIP allows an investor to invest a small and fixed amount of money into a mutual fund scheme.Through SIP, an investor can invest money at regular intervals such as monthly or quarterly for a continuous period of time.

Investors' financial goals are generally divided into long-term and short-term goals. While international holiday, vacation, or buying luxury items come under short-term goals, buying own home, planning retirement funds, and children's education come under long-term goals. Enrolling for a mutual fund SIP is one of the easiest ways to benefit from the effect of compounding of money over a long-term horizon to meet all your short-term and long-term goals.

Following are the major benefits of investing in mutual fund SIP:

Regular investing:

SIPs allow you to invest money into various mutual funds at regular time intervals such as monthly, quarterly, or annually.

Maintaining discipline in your asset allocation:

Regular investing creates a good investment discipline, which will help you largely in attaining your financial goals at the end of your investment time horizon.

The power of compounding

SIPs help you largely in terms of compounding the value of money that you invest regularly. In simple words, through the power of compounding, they help you convert smaller portions of money invested over a longer period into a larger corpus at the end of the investment horizon.

SIP allows investments in small amounts

One of the stand-out features of SIPs is that they allow you to invest in mutual funds for amounts as small as Rs. 500 or Rs. 1000 per month.

One of the best ways to start SIPs is to contact a financial professional expert. They will not only provide you with the best SIP options but will also help you align your SIP investments with your financial goals through a good diversification strategy.

List of Baskets:

1. Aggressive basket: Meant for those with high risk-taking capacity. Stocks in this basket are of front-line companies who make up major indices.

2. Mid-cap basket (Very Aggressive): Meant for those with maximum risk-taking capacity. Stocks in this basket show high potential for upside as well as downside.

3. Moderate basket: Meant for those with moderate risk-taking capacity. Stocks in this basket are of companies which have moderate upside as well as downside.

4. Defensive basket: Meant for those with low risk-taking capacity. Stocks in this basket are of companies from defensive sectors and show limited upside as well as downside.

All of us do some bit of planning to manage our income, savings, expenses, future liabilities (money we expect to spend in the future) whether we understand anything about financial planning or not. While we may be managing it well for now, it may not be the best way to do or it may not give us the best results. While financial planning may sound technical, all it means is how do you recognize your future earnings and liabilities today, list down your current earnings and expenses, see if there is shortfall between what you'll need in the future and what can get to with current means and then plan your savings and investments to overcome that shortfall.

List Current Income & Expenses:
Start with your current income which should include your salary, salary of other working members in the family, any other income like rent, business income etc. Add it all up and remember to also deduct the taxes you'll pay on each of the income to finally arrive at the net income for your family at present.

After having arrived at your family's net income, deduct all expenses like household expenses for the year, tuition fees, loan EMIs or any other short-term liabilities (expected within next 3-5yrs) you foresee like renovating the house or a medical treatment etc. Post this deduction what you now get is the savings you have that you need to invest wisely for the future.

Setting Future Life Goals
The next step in financial planning should be putting down all your future financial liabilities, the time when they will arise, the amount you will need etc.

Goal 1: For instance, if you are a 40 yr old man and expect your daughter's college education to be due after another 8 yrs and anticipate this may cost around 30 lakhs then, will you have the money to finance it? Decide on an investment and the amount that you need to make today to achieve this goal 8 yrs later.

Goal 2: Similarly, if you intend to retire at 60 yrs, you need say 1 lakh p.m to maintain your current lifestyle which is INR 50,000 in today's value. Given the advances in healthcare, you can easily expect a 25-30 year long retired life. The money you need to live your retired life can be funded by a long-term low risk investment (like debt mutual funds, pension plans) made today. Set aside some money for such an investment to be made today.

Goal 3: You may set aside money for buying some health insurance that you'll need during your retired phase or even earlier. The insurance premium needs to be funded from your current savings.

The goal setting process helps in understanding your future requirements, quantifying them and making investments in the right asset class to fund each of the goals when they become due.

Asset Allocation:
While asset allocation can be done along with goal setting, it is better to understand how asset allocation can impact the success of your financial plan. You can invest your savings in various asset classes like equity, debt, gold, real estate etc. Look at the investments you have already made like if you own a PPF or EPF account, money you have invested in bank FDs, home loans you are paying etc. From the current savings and investments, you have already made, calculate the percentage of allocation made to each asset class. For instance, all bank FDs, PF amounts, govt bonds, debt-oriented pension plans should be classified as debt. Any money invested in IPOs, company stocks, equity mutual funds should be classified as equity, loan EMIs should be classified as real estate etc.

As a thumb rule, 100 minus your current age should be allocated to equities and equity like product. If you are 40 yrs old, 60% of annual savings should be invested in equity like products and the balance in debt products. If your current investments don't seem to reflect this, try balancing your investments by reducing the money you put in debt products like FDs and bonds and divert that money towards equity mutual funds or stocks.

Most people are not comfortable investing in stocks as it requires special research, constant monitoring and a lot of undue stress. Hence equity mutual funds are a better option since your money is professionally managed by fund managers who do all the research on companies before investing and continuously monitor the performance of the fund by buying good stocks and selling underperforming stocks.

Start Early
You must start your financial planning early because this will give you the advantage of compounding example whichever option you choose to invest in, your money will get to grow for longer duration with returns compounded every year.

Annual Review & Rebalancing
While a sound financial plan is a good starting point, following it with discipline and rebalancing your portfolio every year is very important. Since life circumstances change frequently, you must relook at your plan along with your financial advisor and make changes to reflect your new circumstances.

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