Share Market

tag:blogger.com,1999:blog-46164925426300515292012-02-16T01:55:09.739-08:00Share Marketswapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.comBlogger44125tag:blogger.com,1999:blog-4616492542630051529.post-44433043162634192912011-09-08T22:25:00.000-07:002011-09-08T22:25:05.280-07:002011-09-08T22:25:05.280-07:00Joint Life Insurance Policy<div dir="ltr" style="text-align: left;" trbidi="on">  <br /> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"> <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Joint life insurance policies</span></i></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> are similar to endowment policies as they too offer maturity benefits to the policyholders along with all the other benefits by normal Life Insurance policy. Joint life policies are different than normal life insurance as they cover two lives simultaneously, thus offering a unique advantage for a married couple or for partners in a business firm. Under a joint life policy the sum assured is payable on the first death and again on the death of the survivor during the term of the policy. Vested bonuses would also be paid besides the sum assured after the death of the survivor. If one or both the lives survive to the maturity date, the sum assured as well as the vested bonuses are payable on the maturity date. The premiums payable cease on the first death or on the expiry of the selected term, whichever is earlier. <br /> <br /> Accident benefits equivalent to the sum assured are available under Joint life insurance policies on the first death. In case both the lives are covered under Double Accident Benefit, the surviving life is covered under Double Accident Benefit until the end of the policy year, in which the first life dies under the cover of the policy.</span></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"> <br /></div> <div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;"> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-4443304316263419291?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/MNNeA3xpfCLwzMimfPL-fG7J7Kg/0/da"><img src="http://feedads.g.doubleclick.net/~a/MNNeA3xpfCLwzMimfPL-fG7J7Kg/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/MNNeA3xpfCLwzMimfPL-fG7J7Kg/1/da"><img src="http://feedads.g.doubleclick.net/~a/MNNeA3xpfCLwzMimfPL-fG7J7Kg/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/DVWx5eW9Es4" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/09/joint-life-insurance-policy.htmltag:blogger.com,1999:blog-4616492542630051529.post-90677043695752237332011-08-10T13:09:00.000-07:002011-08-10T13:09:27.186-07:002011-08-10T13:09:27.186-07:00Group Insurance<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Group insurance</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> offers life insurance protection under group policies to various groups such as employers-employees, professionals, co-operatives, weaker sections of society. Group insurance plans have low premiums. Such plans are particularly beneficial to those for whom other regular policies are a costlier proposition. Group insurance plans extend cover to large segments of the population including those who cannot afford individual insurance. A number of group insurance schemes have been designed for various groups. These include employer-employee groups, associations of professionals like doctors, lawyers, chartered accountants etc. <br /> <br /> Group insurance coverage is seen as a major perk for employees from their employers. The premium payments are usually deducted automatically from the pay itself. Some companies will absorb the entire cost of the policy as a benefit for employees. The main advantages of the group insurance schemes are low premium and simple insurability conditions. Premiums are based upon age combination of members, occupation and working conditions of the group. <br /> <br /> A major feature of group insurance is that the premium cost on an individual basis may not be risk-based. Instead it is the same amount for all the insured persons in the group. Another distinctive feature is that under group insurance a person will normally remain covered as long as he or she continues to work for a certain employer and pays their insurance premiums. This is different from the individual insurance policy where the insurance company often has the right to reject the renewal of a person's policy, depending on his risk profile.</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-9067704369575223733?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/fsslByAE7BfK6lWYy2cz1eiplVk/0/da"><img src="http://feedads.g.doubleclick.net/~a/fsslByAE7BfK6lWYy2cz1eiplVk/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/fsslByAE7BfK6lWYy2cz1eiplVk/1/da"><img src="http://feedads.g.doubleclick.net/~a/fsslByAE7BfK6lWYy2cz1eiplVk/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/vyBfPjB6hWo" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/08/group-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-87879787110794242622011-08-07T05:54:00.000-07:002011-08-07T05:54:19.843-07:002011-08-07T05:54:19.843-07:00Life Insurance: Endowment Policy<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">An endowment policy</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> covers risk for a specified period. At the end of this policy the sum assured is paid back to the policyholder along with the bonus accumulated during the term of the policy. An endowment life insurance policy is designed primarily to provide a living benefit and only secondarily to provide life insurance protection. Therefore endowment policy is more of an investment than a whole life insurance policy. Endowment life insurance pays the face value of the policy either at the insured's death or at a certain age or after a number of years of premium payment. Endowment policy is an instrument of accumulating capital for a specific purpose and protecting this savings program against the saver's premature death.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Premium on endowment policies is payable for the full term of the endowment policy unless, the insurer dies earlier. When compared to whole life insurance policies, the premium rates for endowment policies are higher and the bonus rates lower. But one of the major attractions of endowment policies is that they provide a return on premium payments when the policy comes to an end. The endowment received at the maturity of the policy can be used for buying an annuity policy to generate a monthly pension for the whole life.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Endowment policies are one of the most popular insurance plans today. It not only provides financial risk cover in case the insurer's premature death but the insurance amount is also repaid once this risk is over.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-8787978711079424262?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/zA85X1PpKkQHy2JMy0F2e59FSHg/0/da"><img src="http://feedads.g.doubleclick.net/~a/zA85X1PpKkQHy2JMy0F2e59FSHg/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/zA85X1PpKkQHy2JMy0F2e59FSHg/1/da"><img src="http://feedads.g.doubleclick.net/~a/zA85X1PpKkQHy2JMy0F2e59FSHg/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/Vs7kodYmSHg" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/08/life-insurance-endowment-policy.htmltag:blogger.com,1999:blog-4616492542630051529.post-76809905435861529762011-08-03T06:30:00.001-07:002011-08-03T06:30:57.897-07:002011-08-03T06:30:57.897-07:00Children's Life Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><br /> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Children’s Life Insurance</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> is a tool many families use to give their children a financial foundation that they can draw upon when they are older. Children’s life insurance will cost you lowest as rates rise with age. The low rates make whole life insurance affordable for almost everyone. Because whole life premiums are locked in at the beginning, they will never increase with the child’s age, regardless of whatever health issues may arise. So this could be looked up as good investment and security.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /> </span></div><div class="MsoNormal" style="text-align: center;"><span style="font-family: 'Times New Roman', serif; line-height: 115%;"><b><span class="Apple-style-span" style="font-size: x-large;"><a href="http://www.switch2life.com/">www.switch2life.com</a></span></b><span class="Apple-style-span" style="font-size: small;"> <o:p></o:p></span></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-7680990543586152976?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/z4WkfeMghHuwkaDaL_VM3ASfwt8/0/da"><img src="http://feedads.g.doubleclick.net/~a/z4WkfeMghHuwkaDaL_VM3ASfwt8/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/z4WkfeMghHuwkaDaL_VM3ASfwt8/1/da"><img src="http://feedads.g.doubleclick.net/~a/z4WkfeMghHuwkaDaL_VM3ASfwt8/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/hbxLedMtB1I" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/08/childrens-life-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-48888535475650104292011-07-28T11:50:00.001-07:002011-07-28T11:50:51.526-07:002011-07-28T11:50:51.526-07:00Universal Life Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><div class="MsoNormal" style="margin: 0in 0in 10pt;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman", "serif"; font-size: 12pt; line-height: 115%;">Universal life insurance</span></b><span style="font-family: "Times New Roman", "serif"; font-size: 12pt; line-height: 115%;"> offers many features of whole life insurance; but essentially allows greater flexibility once the policy is in force. Like whole life insurance, universal life insurance is a permanent policy. It protects the policyholder until death; however long that may be. Also like whole life insurance, universal life insurance accrues cash value over time. But unlike whole life insurance universal life insurance breaks the death benefit and cash value accumulation into separate components. This allows the policy holder to make changes in the policy. For example, if the policyholder wants to increase the death benefit, he/she puts more of the premium money into the insurance account and less into the cash value account or vice versa. The policyholder can decrease the death benefit and increase the cash value contribution. To reduce premiums, the policyholder can pay only the insurance portion. Once the cash value has accumulated, the policyholder can withdraw the money. The money must be paid back, or else the death benefit will be decreased. Some people use the universal life insurance policy as a savings account to draw on as they get older. Others use the accumulating cash value to increase the death benefit so they have more to leave their loved ones. Universal life allows these choices and decisions to be made throughout your lifetime.</span></div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt;"><br /> </div><div class="MsoNormal" style="margin: 0in 0in 10pt; text-align: center;"><span style="font-family: "Times New Roman", "serif"; line-height: 115%;"><a href="http://www.switch2life.com/"><strong><span style="font-size: x-large;">www.switch2life.com</span></strong></a></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-4888853547565010429?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/XeXllKd6tqPJEaAvzcsjfI3OeHw/0/da"><img src="http://feedads.g.doubleclick.net/~a/XeXllKd6tqPJEaAvzcsjfI3OeHw/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/XeXllKd6tqPJEaAvzcsjfI3OeHw/1/da"><img src="http://feedads.g.doubleclick.net/~a/XeXllKd6tqPJEaAvzcsjfI3OeHw/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/gPtVtrzgTRE" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/07/universal-life-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-22476698795079818522011-07-16T05:10:00.000-07:002011-07-16T05:10:27.949-07:002011-07-16T05:10:27.949-07:00Whole Life Insurance <br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Whole life insurance covers the policyholder for his or her whole life. There is no fixed end date for the policy, as there is with term life insurance. When the policy holder dies, the face value of the policy which is also known as a death benefit is paid to the person or persons named in the life insurance policy i.e. the beneficiary or beneficiaries. The cost of a whole life insurance policy is spread out across many years and so the premium remains the same. This ensures that older people on a fixed income will not have to cope with rising premiums.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Unlike term life insurance, whole life insurance accrues cash value over time. If you cancel the policy after a certain amount of time has passed, the insurance company will surrender the cash value to you. The cash value is scheduled to equal the face value when the policyholder reaches the age of 100. If you live that long, the insurance company will likely pay the face value to you in a lump sum. This is not the only way to use the cash value, however. You can also borrow some of the cash value as a loan. The money has to be paid back, but there is no approval process and no risk of being turned down. You are your own lender. Some whole life insurance pays dividends, so it can be used to supplement your retirement income.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-2247669879507981852?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/k2dU_9IC8Ia1Oe1rEenMRB3mSiE/0/da"><img src="http://feedads.g.doubleclick.net/~a/k2dU_9IC8Ia1Oe1rEenMRB3mSiE/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/k2dU_9IC8Ia1Oe1rEenMRB3mSiE/1/da"><img src="http://feedads.g.doubleclick.net/~a/k2dU_9IC8Ia1Oe1rEenMRB3mSiE/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/Vl8VWvsMmcM" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/07/whole-life-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-33133680237728463902011-07-10T06:24:00.000-07:002011-07-10T06:24:26.600-07:002011-07-10T06:24:26.600-07:00Term Life Insurance <br /> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Term life insurance</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> is also called as term assurance. It is a life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount. Term insurance is considered the cheapest plan available in the market. It is a pure protection plan and basically designed to protect you from unexpected circumstances. It is suitable for those with not so normal health conditions and comes in three types with varied sum assured: level benefit, increasing benefit and decreasing benefit.</span></div>The first thing to be decided while buying a term insurance is the sum assured. This is arrived after considering the lifestyle and the current debts of the person taking it up. In the event of the death of the person the sum assured could be used to repay the debt. Term insurance does not give maturity benefit to the buyer. Nevertheless, one can buy riders to the term policies that could give premium on maturity. If the buyer dies before the maturity, the nominee gets the sum assured.<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <div style="text-align: center;"><a href="http://www.theamitabh.com/"><b><span style="font-size: x-large;">www.TheAmitabh.com</span></b></a> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-3313368023772846390?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/4VjeQif1HFZEO9zG8-tRJeRF1dk/0/da"><img src="http://feedads.g.doubleclick.net/~a/4VjeQif1HFZEO9zG8-tRJeRF1dk/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/4VjeQif1HFZEO9zG8-tRJeRF1dk/1/da"><img src="http://feedads.g.doubleclick.net/~a/4VjeQif1HFZEO9zG8-tRJeRF1dk/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/tPCMMwR8Ax0" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/07/term-life-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-8133482382588075002011-07-07T06:14:00.000-07:002011-07-07T06:14:41.880-07:002011-07-07T06:14:41.880-07:00Life Insurance<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-jJ5Zuy2N8cw/ThWxDs7Vp9I/AAAAAAAAJSw/8r0X3KCF3ZQ/s1600/Life-Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="67" src="http://3.bp.blogspot.com/-jJ5Zuy2N8cw/ThWxDs7Vp9I/AAAAAAAAJSw/8r0X3KCF3ZQ/s320/Life-Insurance.jpg" width="320" /></a></div> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Life insurance offers a way to replace the loss of income that occurs when someone dies. It is a contract between you as the insured person and the company that is providing the insurance. If you die while the contract is in force, the insurance company pays a specified sum of money free of income tax to the person you name as beneficiaries. It is a insurance for you and your family's peace of mind. Its function is to help beneficiaries financially after the owner of the policy dies.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">It can also be a form of savings in the long run if you purchase a plan, which offers the option of contributing regularly. Additionally, a little known function of life insurance is that it can be tied in with a person's pension plan. A person can make contributions to a pension that is funded by a life insurance company. These are considered private pension arrangements.</span></div><div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">TYPES OF LIFE INSURANCE:</span></b></div><div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Term Life Insurance</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Whole Life Insurance</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Universal Life Insurance</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Children's Life Insurance</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Senior Life Insurance</span></div><div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mortgage Protection Life Insurance</span></div><br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <div style="text-align: center;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-813348238258807500?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/lrh91Qr7GmhaWyHEpsXQzt5X6l4/0/da"><img src="http://feedads.g.doubleclick.net/~a/lrh91Qr7GmhaWyHEpsXQzt5X6l4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/lrh91Qr7GmhaWyHEpsXQzt5X6l4/1/da"><img src="http://feedads.g.doubleclick.net/~a/lrh91Qr7GmhaWyHEpsXQzt5X6l4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/kPyBjzRehX0" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/07/life-insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-55621818076045638942011-06-28T11:42:00.000-07:002011-06-28T11:42:24.227-07:002011-06-28T11:42:24.227-07:00Insurance<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Life is full of twists and turns. There can not be anything certain in life. You can try and plan your life but unexpected things happen and then you find yourself in trouble. So the Insurance policies are a safeguard against the uncertainties of life. Insurance is system by which the losses suffered by a few are spread over many, exposed to similar risks. Insurance is a protection against financial loss arising on the happening of an unexpected event.<br /> Insurance is actually a contract between the insurance company, and the person seeking the insurance cover. Within this contract, the insurer agrees to pay the insurer for financial losses arising out of any unforeseen events or risk in return for a regular payment of premium. Thus, these insurance plans are also called as a Risk Cover Plans, which means to financially compensate for losses that occur uncertainly through accident, illness, theft, natural disaster.<br /> Insurance is also a very good option for investment. Remember that first and foremost, insurance is about risk cover and protection. By buying life insurance, you are actually buying peace of mind. But at the same time Insurance also serves as an excellent tax saving mechanism. The Government of India has offered tax incentives to life insurance products in order to facilitate the flow of funds into productive assets. Insurance policies cover the risk of life as well as other assets and valuables, such as, home, automobiles, jewelry et al. On the basis of the risk they cover, insurance policies can be classified into two categories: Life Insurance and General Insurance. As the term suggests, Life Insurance covers the risk involved in a person's life, while General Insurance provides financial protection against unforeseen events, like accident, flood, earthquake, disease, etc.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-5562181807604563894?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/ZcHDDMaCiIqi-JghFxhBS2SG664/0/da"><img src="http://feedads.g.doubleclick.net/~a/ZcHDDMaCiIqi-JghFxhBS2SG664/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/ZcHDDMaCiIqi-JghFxhBS2SG664/1/da"><img src="http://feedads.g.doubleclick.net/~a/ZcHDDMaCiIqi-JghFxhBS2SG664/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/y_soXcmoxeI" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/06/insurance.htmltag:blogger.com,1999:blog-4616492542630051529.post-59660029320099125392011-06-06T07:05:00.000-07:002011-06-06T07:05:22.518-07:002011-06-06T07:05:22.518-07:00Regional Mutual Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Regional mutual fund </span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">is a mutual fund that confines itself to investments in securities from a specified geographical area, such as Europe or Asia. A regional mutual fund will generally look to own a diversified portfolio of companies based in and operating out of its specified geographical area. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">The objective is to take advantage of regional growth potential before the national investment community does. They may be some regional funds whose objective is to invest in a specific segment of the region's economy, such as banking, energy etc.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">For the investor, the primary benefit of a regional fund is that he/she increases his/her diversification by being exposed to a specific foreign geographical area. For the average investor, these funds are beneficial as most investors don't have enough capital to adequately diversify themselves across many investments in the region. Regional funds select securities that pass geographical criteria. Regional funds differ from the international mutual funds in the sense that international mutual funds have a diversified portfolio with investment spanning all across the world, where as regional funds invest in companies in one specific region or nation. Regional funds carry more risk as compared to international mutual funds because their investments are less diversified geographically.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-5966002932009912539?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/Zj6uAa20N978_BgTTYrBGygT2LI/0/da"><img src="http://feedads.g.doubleclick.net/~a/Zj6uAa20N978_BgTTYrBGygT2LI/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/Zj6uAa20N978_BgTTYrBGygT2LI/1/da"><img src="http://feedads.g.doubleclick.net/~a/Zj6uAa20N978_BgTTYrBGygT2LI/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/Fgjei7eIARw" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/06/regional-mutual-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-866862974145750022011-06-01T04:49:00.000-07:002011-06-01T04:49:46.105-07:002011-06-01T04:49:46.105-07:00No Load Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Normally Mutual funds can be classified into two types - Load mutual funds and No-Load mutual funds. </span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">No Load Fund</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> is a mutual fund in which shares are sold without a commission or sales charge. The reason for this is that the shares are distributed directly by the investment company, instead of going through a secondary party. This is the opposite of a load fund, which charges a commission at the time of the fund's purchase, at the time of its sale, or as a "level-load" for as long as the investor holds the fund.</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">No load funds have several advantages over load funds. Firstly, funds with loads, on average, consistently under perform no-load funds when the load is taken into consideration in performance calculations. Secondly, loads understate the real commission charged because they reduce the total amount being invested. Finally, when a load fund is held over a long time period, the effect of the load, if paid up front, is not diminished because if the money paid for the load had been invested, as in a no-load fund, it would have been compounding over the whole time period.</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br /> </div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-86686297414575002?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/T5YqQ6j_qV9pR_AE-ku6D5oPnP4/0/da"><img src="http://feedads.g.doubleclick.net/~a/T5YqQ6j_qV9pR_AE-ku6D5oPnP4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/T5YqQ6j_qV9pR_AE-ku6D5oPnP4/1/da"><img src="http://feedads.g.doubleclick.net/~a/T5YqQ6j_qV9pR_AE-ku6D5oPnP4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/u-dSPW6vi0k" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/06/no-load-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-11952504801187930412011-05-24T10:54:00.001-07:002011-05-24T10:54:43.552-07:002011-05-24T10:54:43.552-07:00Money Market Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">A <b style="mso-bidi-font-weight: normal;">money market fund</b> is a mutual fund that invests solely in money market instruments. Money market instruments are forms of debt that mature in less than one year and are very liquid. Treasury bills make up the bulk of the money market instruments. Securities in the money market are relatively risk-free. Money market funds are generally the safest and most secure of mutual fund investments. The goal of a money-market fund is to preserve principal while yielding a modest return. Money-market mutual fund is akin to a high-yield bank account but is not entirely risk free. When investing in a money-market fund, attention should be paid to the interest rate that is being offered. <br /> <br /> Money market funds are of two types: <br /> <br /> <b>1. Institutional Money Market Mutual Funds: </b>These funds are held by governments, institutional investors and businesses etc. Huge sum of money is parked in institutional money funds. <br /> <br /> <b>2. Retail Money Market Mutual Funds: </b>Retail money market funds are used for parking money temporarily. The investment portfolio of money market funds comprises of treasury bills, short term debts, tax free bonds etc. <br /> <br /> Money market mutual funds are one of the safest instruments of investment for the retail low income investor. The assets in a money market fund are invested in safe and stable instruments of investment issued by governments, banks and corporations etc.</span></div><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Generally, money market instruments require huge amount of investments and it is beyond the capacity of an ordinary retail investor to invest such large sums. Money market funds allow retail investors the opportunity of investing in money market instrument and benefit from the price advantage. Money market mutual funds are usually rated by the rating agencies. So, check for the fund ratings before investing.</span></div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal;"><br /> </div><div class="MsoNormal" style="line-height: normal; text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-1195250480118793041?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/On49F-Ns7P2E1wbImGvBr0gTDrg/0/da"><img src="http://feedads.g.doubleclick.net/~a/On49F-Ns7P2E1wbImGvBr0gTDrg/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/On49F-Ns7P2E1wbImGvBr0gTDrg/1/da"><img src="http://feedads.g.doubleclick.net/~a/On49F-Ns7P2E1wbImGvBr0gTDrg/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/8SiaalsC9tg" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/05/money-market-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-19146703014479544492011-05-19T03:53:00.001-07:002011-05-19T03:53:29.041-07:002011-05-19T03:53:29.041-07:00International Mutual Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">International mutual funds</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> are those funds that invest in non-domestic securities markets throughout the world. Investing in international markets provides greater portfolio diversification and let you capitalize on some of the world's best opportunities. If investments are chosen carefully, international mutual fund may be profitable when some markets are rising and others are declining. However, fund managers need to keep close watch on foreign currencies and world markets as profitable investments in a rising market can lose money if the foreign currency rises against the dollar. In recent years international mutual funds have gained popularity. This can be attributed to removal of trade barriers and expansion of economies, which has sparked off growth in various regions of the world.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-1914670301447954449?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/15wBcWtHIrs2yRonH9nK4N-sQmM/0/da"><img src="http://feedads.g.doubleclick.net/~a/15wBcWtHIrs2yRonH9nK4N-sQmM/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/15wBcWtHIrs2yRonH9nK4N-sQmM/1/da"><img src="http://feedads.g.doubleclick.net/~a/15wBcWtHIrs2yRonH9nK4N-sQmM/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/BXCkE4d_8b0" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/05/international-mutual-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-66668340991900716232011-05-01T11:33:00.001-07:002011-05-01T11:33:33.994-07:002011-05-01T11:33:33.994-07:00Fund of Funds<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">A fund of funds (FoF)</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"> is an investment strategy of holding a portfolio of other investment funds rather than investing directly in shares, bonds or other securities. This type of investment is also known as multi-manager investment. There are different types of 'fund of funds', each investing in a different type of collective investment scheme, for <span> </span>example 'mutual fund' FoF, hedge fund FoF, private equity FoF or investment trust FoF. Investing in a collective investment scheme may increase diversity compared to a small investor holding a smaller range of securities directly. A FoF manager will try to select the best performing funds to invest in based upon the managers past performance and other factors. If the FoF manager is skillful, this additional level of selection can provide greater stability and take on some of the risk relating to the decisions of a single manager. As in all other areas of investing, there are no guarantees for regular returns. As a fund of funds invests in the scheme of other funds, it provides a greater degree of diversification. Instead of investing in different stocks of mutual funds and keeping records of all of them, it is much easier to invest and track only one fund which in turn invests in other mutual funds.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-6666834099190071623?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/YmfQswtCLLYY-376hmf3fLWXFZQ/0/da"><img src="http://feedads.g.doubleclick.net/~a/YmfQswtCLLYY-376hmf3fLWXFZQ/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/YmfQswtCLLYY-376hmf3fLWXFZQ/1/da"><img src="http://feedads.g.doubleclick.net/~a/YmfQswtCLLYY-376hmf3fLWXFZQ/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/c28z_H83RN8" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/05/fund-of-funds.htmltag:blogger.com,1999:blog-4616492542630051529.post-15061932057033323072011-04-28T01:32:00.000-07:002011-04-28T01:32:07.144-07:002011-04-28T01:32:07.144-07:00Equity Funds<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Equity fund is a mutual fund that invests principally in stocks. It can be actively or passively managed.<span>  </span>It is also known as a "stock fund". Equity mutual funds invest pooled amounts of money in the stocks of public companies. Stocks represent part ownership, or equity, in companies, and the aim of stock ownership is to see the value of the companies increase over time. Stocks are often categorized by their market capitalization, and can be classified in three basic sizes: small, medium, and large. Many mutual funds invest primarily in companies of one of these sizes and are thus classified as large-cap, mid-cap or small-cap funds.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Equity fund managers employ different styles of stock picking when they make investment decisions for their portfolios. Some fund managers use a value approach to stocks, searching for stocks that are undervalued when compared to other similar companies. Another approach to picking is to look primarily at growth, trying to find stocks that are growing faster than their competitors, or the market as a whole. Some managers buy both kinds of stocks, building a portfolio of both growth and value stocks. Since equity funds invest in stocks, they have the potential to generate more returns. On the other hand they carry greater risks too. Equity funds can be classified into diversified equity funds and sectoral equity funds.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-1506193205703332307?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/iPzwo07BqajB4BWK78ETUpKhiso/0/da"><img src="http://feedads.g.doubleclick.net/~a/iPzwo07BqajB4BWK78ETUpKhiso/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/iPzwo07BqajB4BWK78ETUpKhiso/1/da"><img src="http://feedads.g.doubleclick.net/~a/iPzwo07BqajB4BWK78ETUpKhiso/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/KItK4h1rev0" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/equity-funds.htmltag:blogger.com,1999:blog-4616492542630051529.post-41739495685921109312011-04-24T08:01:00.001-07:002011-04-24T08:01:37.918-07:002011-04-24T08:01:37.918-07:00Exchange Traded Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">An <b>exchange-traded fund (ETF)</b> is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds, and trades close to its net asset value over the course of the trading day. Most ETFs track an index. An ETF combines the valuation feature of a mutual fund or unit investment trust, which can be bought or sold at the end of each trading day for its net asset value, with the tradability feature of a closed-end fund, which trades throughout the trading day at prices that may be more or less than its net asset value. Closed-end funds are not considered to be "ETFs", even though they are funds and are traded on an exchange. ETFs experience price changes throughout the day as they are bought and sold. Because it trades like a stock, an ETF does not have its net asset value (NAV) calculated every day like a mutual fund does. By owning an ETF, you get the diversification of an index fund as well as the ability to sell short, buy on margin and purchase as little as one share. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund. When buying and selling ETFs, you have to pay the same commission to your broker that you'd pay on any regular order.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-4173949568592110931?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/fWZVMOYslpihzeTeqh39qzKzhiQ/0/da"><img src="http://feedads.g.doubleclick.net/~a/fWZVMOYslpihzeTeqh39qzKzhiQ/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/fWZVMOYslpihzeTeqh39qzKzhiQ/1/da"><img src="http://feedads.g.doubleclick.net/~a/fWZVMOYslpihzeTeqh39qzKzhiQ/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/M-liLJOX9Ag" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/exchange-traded-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-6929753076383184192011-04-20T01:21:00.001-07:002011-04-20T01:21:33.316-07:002011-04-20T01:21:33.316-07:00Open Ended Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal">An open end fund is a collective investment scheme which can issue and redeem shares at any time. An investor will generally purchase shares in the fund directly from the fund itself rather than from the existing shareholders. It contrasts with a closed-end fund, which typically issues all the shares it will issue at the outset, with such shares usually being tradable between investors thereafter.</div><div class="MsoNormal">A type of mutual fund that does not have restrictions on the amount of shares the fund will issue. If demand is high enough, the fund will continue to issue shares no matter how many investors there are. Open-end funds also buy back shares when investors wish to sell. The majority of mutual funds are open-end. By continuously selling and buying back fund shares, these funds provide investors with a very useful and convenient investing vehicle. It should be noted that when a fund's investment manager(s) determine that a fund's total assets have become too large to effectively execute its stated objective, the fund will be closed to new investors and in extreme cases, be closed to new investment by existing fund investors.</div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-692975307638318419?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/Kfyaa6kfI3szZcnwWNDPvd8H7dA/0/da"><img src="http://feedads.g.doubleclick.net/~a/Kfyaa6kfI3szZcnwWNDPvd8H7dA/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/Kfyaa6kfI3szZcnwWNDPvd8H7dA/1/da"><img src="http://feedads.g.doubleclick.net/~a/Kfyaa6kfI3szZcnwWNDPvd8H7dA/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/mMiunwfg9Io" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/open-ended-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-51667246299902344022011-04-16T04:58:00.001-07:002011-04-16T04:58:30.886-07:002011-04-16T04:58:30.886-07:00Close Ended Fund<div dir="ltr" style="text-align: left;" trbidi="on"><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><style>  </style> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><b>A closed-end fund</b> is a publicly traded investment company that raises a fixed amount of capital through an initial public offering (IPO). The fund is then structured, listed and traded like a stock on a stock exchange.<o:p></o:p></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">A closed-end fund is a collective investment scheme with a limited number of shares. It is called a closed-end fund because new shares are rarely issued once the fund has launched, and because shares are not normally redeemable for cash or securities until the fund liquidates. Typically an investor can acquire shares in a closed-end fund by buying shares on a secondary market from a broker, market maker, or other investor as opposed to an open-end fund where all transactions eventually involve the fund company creating new shares on the fly. The price of a share in a closed-end fund is determined partially by the value of the investments in the fund, and partially by the premium placed on it by the market. The total value of all the securities in the fund divided by the number of shares in the fund is called the net asset value (NAV) per share. The market price of a fund share is often higher or lower than the per share NAV: when the fund's share price is higher than per share NAV it is said to be selling at a premium; when it is lower, at a discount to the per share NAV.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.theamitabh.com/"><span style="font-size: x-large;"><b>www.TheAmitabh.com</b></span></a> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><o:p></o:p></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-5166724629990234402?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/gYxaixb1fxyUK5D6JFjqAdDWaZ4/0/da"><img src="http://feedads.g.doubleclick.net/~a/gYxaixb1fxyUK5D6JFjqAdDWaZ4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/gYxaixb1fxyUK5D6JFjqAdDWaZ4/1/da"><img src="http://feedads.g.doubleclick.net/~a/gYxaixb1fxyUK5D6JFjqAdDWaZ4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/EDrd-Mp8e4A" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/close-ended-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-62547032443868935392011-04-13T01:18:00.001-07:002011-04-13T01:18:09.012-07:002011-04-13T01:18:09.012-07:00Balanced Fund<div dir="ltr" style="text-align: left;" trbidi="on"><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><style>  </style> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Balanced mutual funds are one of the types of various mutual funds available in the market. A mutual fund that buys a combination of common stock, preferred stock, bonds, and short-term bonds, to provide both income and capital appreciation while avoiding excessive risk. The purpose of balanced funds is to provide investors with a single mutual fund that combines both growth and income objectives, by investing in both stocks (for growth) and bonds (for income). Such diversified holdings ensure that these funds will manage downturns in the stock market without too much of a loss; the flip side, of course, is that balanced funds will usually increase less than an all-stock fund during a bull market. It is also sometimes called hybrid funds. The proportion in which the balanced mutual funds allocate their assets is usually 60 % to 65 % in stocks and the balance in bonds. The proportion is not disturbed while managing the fund as it is to remain within the pre set minimum and maximum limits.<o:p></o:p></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">One can draw some similarity of balanced funds with well diversified funds. Asset allocated for stocks are diversified into different sectors which are performing with high returns. Fund allocation weightage is determined by the stocks' return potentials. The top stock, for example may get an allocation of say 10% and the lesser the potential the lesser is the percentage allocation of funds. The same pattern is then repeated for another sector of stocks. Sectors are chosen subject to various parameters. The allocation to bonds is distributed among bonds issued by governments and banks. This investment provides guaranteed returns at a steady rate over a period. This gives the stability to the entire fund cushioning the violent fluctuations of aggressive stock investment.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><o:p></o:p></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-6254703244386893539?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/ehIaaeI2AmUgf0QDCPyGr9490Jo/0/da"><img src="http://feedads.g.doubleclick.net/~a/ehIaaeI2AmUgf0QDCPyGr9490Jo/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/ehIaaeI2AmUgf0QDCPyGr9490Jo/1/da"><img src="http://feedads.g.doubleclick.net/~a/ehIaaeI2AmUgf0QDCPyGr9490Jo/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/9xBfEq04J7g" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/balanced-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-88044458030705129742011-04-09T07:17:00.001-07:002011-04-09T07:17:48.295-07:002011-04-09T07:17:48.295-07:00Sector Funds<div dir="ltr" style="text-align: left;" trbidi="on"><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml" rel="File-List"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx" rel="themeData"></link><link href="file:///C:%5CDOCUME%7E1%5Cswapnil%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml" rel="colorSchemeMapping"></link> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><style>  </style> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Sectoral funds are those mutual funds which invest in a particular sector or industry of the market, e.g. infrastructure, banking, pharma, information technology etc. They are also known as the thematic funds where investment is concentrated on only one industry or a group of industry. Sector funds are riskier than equity diversified funds since they invest in shares belonging to a particular sector which gives them fewer diversification opportunities.</span><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"> The idea is to allow investors to place bets on specific industries or sectors, which have strong growth potential. <br /> <br /> These funds tend to be more volatile than funds holding a diversified portfolio of securities in many industries. Such concentrated portfolios can produce tremendous gains or losses, depending on whether the chosen sector is in or out of favor. Sectoral mutual funds come in the high risk high reward category and are not suitable for investors having low risk appetite. <br /> <br /> Generally, mutual fund houses avoid launching sectoral funds as they are seasonal in nature and do well only in cycles. Since these funds focus on just one sector of the economy, they limit diversification and the fund manager’s ability to capitalize on other sectors, if the specific sectors aren’t doing well. Unless a particular sector is doing very well and its long term growth prospects look bright, it advisable not to trade in sector funds.<o:p></o:p></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Sector mutual funds sometimes give 100% or even more return than the traditional mutual funds because at first business seem to gain huge profits and they also declare huge dividends to its share holders. As the business cycle works on the growth reaches its optimum and finally they start to bend down and that is when there is some amount of risk involved in it.These funds are concentrated in nature and they can produce tremendous amount of gain or loss depending on the sector in which the money is invested or according to the prevailing market conditions. A low profiled investor will not prefer this type of fund since there is a danger or huge losses. Few points that are to be kept in mind while in trading in sector funds are that the investment manager should have a very vivid knowledge about the industry in which he is going to invest.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><o:p></o:p></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-8804445803070512974?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/vLwgSS1S281jpDT9_QRczWKna0Q/0/da"><img src="http://feedads.g.doubleclick.net/~a/vLwgSS1S281jpDT9_QRczWKna0Q/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/vLwgSS1S281jpDT9_QRczWKna0Q/1/da"><img src="http://feedads.g.doubleclick.net/~a/vLwgSS1S281jpDT9_QRczWKna0Q/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/Ld45sF9Cue4" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/sector-funds.htmltag:blogger.com,1999:blog-4616492542630051529.post-60052624311931606262011-04-05T02:07:00.000-07:002011-04-05T02:07:31.030-07:002011-04-05T02:07:31.030-07:00Income Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Income Fund is a type of mutual fund that emphasizes current income, either on a monthly or quarterly basis, as opposed to capital appreciation. Such funds hold a variety of government, municipal and corporate debt obligations, preferred stock, money market instruments, and dividend-paying stocks. Share prices of income funds are not fixed; they tend to fall when interest rates are rising and to increase when interest rates are falling. Generally, the bonds included in the portfolios of these funds are of investment grade. The other securities are of sufficient credit quality to assure a preservation of capital. There are two popular high-risk funds that also focus mainly on income: high-yield bond funds and bank loan funds. The former invests primarily in corporate "junk" bonds and the latter in floating-rate loans issued by banks or other financial institutions.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Income Funds in India provide to the investors regular income and also stability of capital. Income Funds in India usually invest their principal in securities of fixed income such as government securities, bonds, and corporate debentures. There are many mutual funds houses that have launched Income Funds in India. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Income Funds in India usually invest their principal in companies that give high payouts of dividends and also in securities of fixed income such as corporate debentures, government securities, and bonds. The advantage of Income Funds in India is that it provides regular income to the investor either on a monthly or quarterly basis. Further the advantage of Income Funds in India is that it also provides stability of capital to the investor. Income Funds share prices are not fixed for they have a tendency to grow with the fall in interest rates and fall with the rise of the interest rates. The bonds that are there in Income Funds are usually of the investment grade. The other bonds are of such credit quality that they assure the protection of the capital. </span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 3.75pt; mso-margin-top-alt: auto; mso-outline-level: 5;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Mutual fund companies that have launched Income Funds in India are:</span></b></div><ul type="disc"><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Prudential ICICI Mutual Fund </span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">HDFC Mutual Fund </span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Reliance Mutual Fund </span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Birla Sun Life Mutual Fund </span></li> <li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Franklin Templeton India Mutual Fund </span></li> <li class="MsoNormal" style="line-height: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Tata Mutual Fund</span></li> </ul><br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span> <br /> <div style="text-align: center;"><div style="text-align: center;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b><span style="font-family: "Times New Roman","serif";">www.switch2life.com</span></b></span></a></div><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-6005262431193160626?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/_UEVOFbsgBAmkwKB-q3B-X0akxY/0/da"><img src="http://feedads.g.doubleclick.net/~a/_UEVOFbsgBAmkwKB-q3B-X0akxY/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/_UEVOFbsgBAmkwKB-q3B-X0akxY/1/da"><img src="http://feedads.g.doubleclick.net/~a/_UEVOFbsgBAmkwKB-q3B-X0akxY/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/ymokGnWWDCQ" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/04/income-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-63233526236969102772011-03-29T03:32:00.000-07:002011-03-29T03:32:05.761-07:002011-03-29T03:32:05.761-07:00Enhanced Index Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">A fund that aims to track an index, but also attempts to boost returns by straying from the index in order to take advantage of market timing, specific stock selections, and/or leverage. This is an index fund which has been modified by either adding value or reducing volatility through selective stock-picking.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Enhanced index funds trade with the "index fund" title, but to be fair, that's where the similarity usually ends. True index funds have consistently lower fees, lower turnover and passive management. Enhanced index funds, on the other hand, are actively managed to beat the return of the tracking index. This approach causes relatively higher fees and turnover than the traditional index fund. While proponents of enhanced index funds cite better total return performance as a plus for this type of fund, investors need to be aware that using leverage and active management also increases risk, at least as compared to a conventional index fund.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-6323352623696910277?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/NWGyBIcJ5XLTr29rNnOfoBCvX0I/0/da"><img src="http://feedads.g.doubleclick.net/~a/NWGyBIcJ5XLTr29rNnOfoBCvX0I/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/NWGyBIcJ5XLTr29rNnOfoBCvX0I/1/da"><img src="http://feedads.g.doubleclick.net/~a/NWGyBIcJ5XLTr29rNnOfoBCvX0I/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/Kbt4ojWN5rM" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/03/enhanced-index-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-77415527366999339252011-03-25T03:27:00.000-07:002011-03-25T03:27:10.310-07:002011-03-25T03:27:10.310-07:00Index Fund<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">A type of mutual fund with a portfolio constructed to match or track the components of a market index. An index mutual fund is said to provide broad market exposure, low operating expenses and low portfolio turnover.</span> <span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">An index fund is a mutual fund that aims to replicate the movements of an index of a specific financial market. An Index fund follows a passive investing strategy called indexing. It involves tracking an index say for example, the Sensex or the Nifty and builds a portfolio with the same stocks in the same proportions as the index. The fund makes no effort to beat the index and in fact it merely tries to earn the same return.</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Index funds first came into being in the US in the 1970s. In the US the research established the efficient markets concept which says that stocks are mostly priced accurately and that it is not possible to beat the market in a systematic way. Though a few actively managed mutual funds may beat the market for a while, it is very rare for active funds to beat the market in the long run.</span></div><div class="MsoNormal"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Advantages of Index Funds: </span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">As per efficient markets concept index funds provide optimum returns in the long run. An index fund doesn't have to pay for expensive analysts and frequent trading. Index funds track a broad index which is less volatile than specific stocks or sectors, thereby lessening the risk for investors. </span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">In the Indian market scenario index funds may not be the best option. The basic principle of indexing is - the more the number of stocks comprising an index the better is the diversification and price discovery. Indian indices like the Sensex (30) and the Nifty (50) cover a relatively small number of stocks and ignore many opportunities in the mid-cap sector. Also, unlike the capital markets in developed countries, Indian markets haven't been thoroughly researched and there is enormous scope to beat the market by sound research.</span></div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal"><br /> </div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.switch2life.com/"><span style="font-size: x-large;"><b>www.switch2life.com</b></span></a> </span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4616492542630051529-7741552736699933925?l=sharemarketfkaunda.blogspot.com' alt='' /></div> <p><a href="http://feedads.g.doubleclick.net/~a/hshagRgwubG155oDMwvhqo2CZLw/0/da"><img src="http://feedads.g.doubleclick.net/~a/hshagRgwubG155oDMwvhqo2CZLw/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~a/hshagRgwubG155oDMwvhqo2CZLw/1/da"><img src="http://feedads.g.doubleclick.net/~a/hshagRgwubG155oDMwvhqo2CZLw/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/blogspot/QjSla/~4/w8eu2Het5Xg" height="1" width="1"/>swapnilhttp://www.blogger.com/profile/00282746284886385378noreply@blogger.com0http://sharemarketfkaunda.blogspot.com/2011/03/index-fund.htmltag:blogger.com,1999:blog-4616492542630051529.post-67308587562142624212011-03-18T08:36:00.001-07:002011-03-18T08:36:45.256-07:002011-03-18T08:36:45.256-07:00List of Banks in India<div dir="ltr" style="text-align: left;" trbidi="on"> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /> <div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-family: "Times New Roman","serif"; font-size: 20pt; line-height: 115%;">LIST OF BANKS IN INDIA</span></b></div><div class="MsoNormal"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Central Bank:</span></b></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• Reserve Bank of India</span></div><div class="MsoNormal"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">State Bank of India & 7 Associates:</span></b></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of India</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Bikaner & Jaipur</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Hyderabad</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Indore</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Mysore</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Patiala</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Saurashtra</span></div><div class="MsoNormal"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• State Bank of Travancore</span></div><div class="MsoNormal"><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Nationalized Banks:</span></b></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• Bank of India</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• Bank of Baroda</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">• Canara Bank</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style="font-family: "Times Ne