Business Analyst and Fund Manager For Franklin Templeton.
Archive for March, 2009
A Mutual Fund is a channelised financial hub, usually governed by a third party that permits a group of investors to invest their money together with an objective. The mutual fund basically has a fund manager who undertakes the responsibility of investing the gathered amount into specific securities such as bonds and stocks. When you invest in a mutual fund, you basically buy portions or shares of that particular fund and accordingly you are entitled to become a shareholder. Mutual Fund Investments are considered to be the most cost-effective investment and are highly popular due to its diversification.
Diversification is the art of bi-furcating your financial investments and investing in various schemes such that when one investment is down you can always bank on the other for your dividends. The basic level of diversification is to buy multiple stocks rather than just one stock. Now to the promotional offers. Look it is very obvious that anyone who runs a business will definitely promote it aggressively and claim it to be the best. But there is a statement that is made after a promotion that reads “Mutual Funds Investments are subjected to market risks, kindly read the offer document before investing”. The performance or output of a fund anyone invests in depends on the psychology of the fund manager. Different funds from various fund houses may perform differently because, though they have the same aim, there style of operation and priority levels are different. So, given a choice always choose a fund with a good and consistent track record. Always do some amounts of market research and a bit of discussion with associates who are into the investing part, if possible hire a professional so that he can guide you with the investments. The rest will be fine.
For Newbies, prior to investing, you should be having an Idea as to what stocks, funds and shares are and why are they invested upon. If you are still unclear, take up the help of a CA (Chartered accountant) or a financial adviser. Clear your basics first. Secondly the performance or output of a fund/stock anyone invests in, depends on the psychology of the fund manager. So, given a choice always choose the ones with a good and consistent track record. Always remember investments are made to garner good dividends, so be sure where ever you are investing, the dividends should come from. Even if the stock you are investing upon provides you slow but secured dividends you should go for it. There are many stocks in the market that provides you with high capital gains, but then they are extremely risky. So you being an amateur should try avoiding that. Learn the game first and then play it.
Tallahassee, Fla — Teenagers in Florida shouldn’t be allowed to use tanning beds without parental consent and only after a certain age, a state senator says.
Florida state Sen. Eleanor Sobel, D-Hollywood, has formulated a proposal along with state Rep. Yolly Roberson, D-North Miami Beach, that would ban all children under the age of 16 from using tanning beds, The Miami Herald said Thursday.
The legislative proposal would also require teens between the ages of 16 and 18 to obtain their parents’ permission before using the machines.
Sobel said the proposal is intended to limit the number of skin cancer cases in Florida.
”You would not sell cigarettes to a 16-year-old,” Sobel said. “Why would you allow a 16-year-old to use a tanning bed?”
Miss Teen Florida Kayla Collier supported the precautionary measure in a meeting of the Senate Health Regulation Committee, which approved the proposal Wednesday.
“No one wants to be pale,” Collier, who has been diagnosed with skin cancer, said of the social pressure to use tanning beds. “I have that pressure of wanting to be tan and wanting to adhere to that image but there are other alternatives.”
Copyright 2009 by United Press International.
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