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Showing posts from January, 2020

OnePlus Nord2 5g review

OnePlus Nord 2 is an upcoming mobile by OnePlus. The phone is rumored to come with a 6.43-inch touchscreen display. OnePlus Nord 2 is expected to be powered by an octa-core MediaTek Dimensity 1200 processor and come with 8GB of RAM. The OnePlus Nord 2 is rumoured to run Android 11 and is expected to be powered by a 4500mAh battery. As far as the cameras are concerned, the OnePlus Nord 2 is rumored to pack a triple camera setup featuring a 50-megapixel primary camera; an 8-megapixel camera, and a 2-megapixel camera. The rear camera setup has autofocus. It is rumored to sport a single camera setup for selfies, a 32-megapixel primary camera. OnePlus Nord 2 is based on Android 11 and packs 128GB of inbuilt storage. The OnePlus Nord 2 is tipped to be a dual-SIM (GSM and GSM) mobile that will accept Nano-SIM and Nano-SIM cards. Connectivity options on the OnePlus Nord 2 are said to include Wi-Fi 802.11 a/b/g/n/ac/Yes, GPS, USB Type-C, 3G, and 4G (with support for Band 40 used by some LTE net

Different types of mutual funds

Mutual funds have been gaining a lot of popularity in the recent past as an effective investment channel. Choosing the right type of fund for your investment needs will depend on your investment goal. The most popular types of mutual funds in India are listed below: Equity funds Debt funds Money market funds Index funds Balanced funds Income funds Fund of funds Speciality funds There are several other types of funds offered by the asset management companies in the country. We have segregated the same based on structure, asset class, investment objective, specialty, and risk, in the sections below. Types of Mutual Funds based on structure Open-Ended Funds: These are funds in which units are open for purchase or redemption through the year. All purchases/redemption of these fund units are done at prevailing NAVs. Basically these funds will allow investors to keep invest as long as they want. There are no limits on how much can be invested in the fund. They also

Advantages and disadvantages of mutual fund

Advantages and disadvantages of mutual fund There are a variety of reasons that mutual funds have been the retail investor's vehicle of choice for decades. The overwhelming majority of money in employer-sponsored retirement plans goes into mutual funds. Multiple mergers have equated to mutual funds over time. Advantages of mutual fund Diversification: Diversification, or the mixing of investments and assets within a portfolio to reduce risk, is one of the advantages of investing in mutual funds. Experts advocate diversification as a way of enhancing a portfolio's returns while reducing its risk. Buying individual company stocks and offsetting them with industrial sector stocks, for example, offers some diversification. However, a truly diversified portfolio has securities with different capitalizations and industries and bonds with varying maturities and issuers. Buying a mutual fund can achieve diversification cheaper and faster than by buying individual securi

Difference between NFO and IPO

However similar they may seem to be an IPO and NFO , it is important to note than an Initial Public Offering is quite different from a New Fund Offer. An IPO is the sale of a company’s shares prior to its listing on the stock market, whereas an NFO is an offer of a mutual fund scheme’s units. An IPO may be priced above or below the stock’s real value, as dictated by the fundamentals, which in the case of an NFO cannot be interpreted. The pricing of a mutual fund is simply dictated by the market value of the units it holds, which is also known as the Net Asset Value or NAV . This is true during the valid time period of NFO and even after the fund is launched. So, while investing, you do not have to worry about IPO-like huge price fluctuations and getting allotment in an NFO.

Disadvantages of Mutual Fund

Liquidity, diversification, and professional management all make mutual funds attractive options for the younger, novice, and other individual investors who don't want to actively manage their money. However, no asset is perfect, and mutual funds have drawbacks too. Fluctuating Returns Like many other investments without a guaranteed return, there is always the possibility that the value of your mutual fund will depreciate. Equity mutual funds experience price fluctuations, along with the stocks that make up the fund. The Federal Deposit Insurance Corporation (FDIC) does not back up mutual fund investments, and there is no guarantee of performance with any fund. Of course, almost every investment carries risk. It is especially important for investors in money market funds to know that, unlike their bank counterparts, these will not be insured by the FDIC. Cash Drag Mutual funds pool money from thousands of investors, so every day people are putting money into the

Advantages of Mutual Funds

There are a variety of reasons that mutual funds have been the retail investor's vehicle of choice for decades. The overwhelming majority of money in employer-sponsored retirement plans goes into mutual funds. Multiple mergers have equated to mutual funds over time. Diversification: Diversification, or the mixing of investments and assets within a portfolio to reduce risk, is one of the advantages of investing in mutual funds. Experts advocate diversification as a way of enhancing a portfolio's returns while reducing its risk. Buying individual company stocks and offsetting them with industrial sector stocks, for example, offers some diversification. However, a truly diversified portfolio has securities with different capitalizations and industries and bonds with varying maturities and issuers. Buying a mutual fund can achieve diversification cheaper and faster than by buying individual securities. Large mutual funds typically own hundreds of different stocks in many di

Mutual Fund Fees and Charges

A mutual fund will classify expenses into either annual operating fees or shareholder fees. Annual fund operating fees are an annual percentage of the funds under management, usually ranging from 1–3%. Annual operating fees are collectively known as the expense ratio. A fund's expense ratio is the summation of the advisory or management fee and its administrative costs. Shareholder fees, which come in the form of sales charges, commissions, and redemption fees, are paid directly by investors when purchasing or selling the funds. Sales charges or commissions are known as "the load" of a mutual fund. When a mutual fund has a front-end load, fees are assessed when shares are purchased. For a back-end load, mutual fund fees are assessed when an investor sells his shares. Sometimes, however, an investment company offers a no-load mutual fund, which doesn't carry any commission or sales charge. These funds are distributed directly by an investment company, ra

New Fund Offer (NFO)

A New Fund Offer (NFO) refers to the introductory offer of a scheme by an asset management company(AMC). A new fund offer is raised when a fund is launched, which helps the firm raise capital for purchasing securities or create a new plan for investor. An investor can subscribe to an NFO only within a limited time period; hence, NFOs are functional on the first-come-first-serve basis. Investors may purchase an NFO unit of the mutual fund scheme at an offer price. This price is usually fixed at Rs. 10 per unit in India. Once the limited time period expires, the units of the fund can be purchased at an offer prevailing at that point in time. A New Fund Offer (NFO) is mainly considered to be similar to an Initial Public Offering (IPO). However, there are a few differences between an NFO and an IPO which are written below. Types of NFO A New Fund Offer can be of two types- Open-ended funds : This fund is officially launched after the NFO ends. Investors can enter and exit the