Building A Diverse Portfolio
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The document discusses building a diverse investment portfolio. It explains that different asset classes like equities, bonds, cash, and property behave differently and need to be balanced based on an individual's priorities, risk tolerance, growth expectations, and time horizons. Each asset class offers different characteristics in terms of volatility, growth potential, and income. The document advises diversifying across many investments within each class to reduce risk.
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10-1 PRIVATE EQUITY
When a firm is created, its founders typically invest their own money in the business. The founders may also invite some family or friends to invest equity in the business. This is referred to as private equity because the business is privately held and the owners cannot sell their shares to the public. Young businesses use debt financing from financial institutions and are better able to obtain loans if they have substantial equity invested. Over time, businesses commonly retain a large portion of their earnings and reinvest it to support expansion. This serves as another means of building equity in the firm.
The founders of many firms dream of going public someday so that they can obtain a large amount of financing to support the firm's growth. They may also hope to “cash out” by selling their original equity investment to others. Normally, however, a firm's owners do not consider going public until they want to sell at least $50 million in stock. A public offering of stock may be feasible only if the firm will have a large enough shareholder base to support an active secondary market. With an inactive secondary market, the shares would be illiquid. Investors who own shares and want to sell them would be forced to sell at a discount from the fundamental value, almost as if the firm were not publicly traded. This defeats the purpose of being public. In addition, there are many fixed costs associated with going public, and these costs would be prohibitive for a firm that seeks to raise only a small amount of funds.
10-1a Financing by Venture Capital Funds
Even if a firm wants to sell at least $50 million of stock to the public, it may not have a long enough history of stable business performance that it can raise money from a large number of investors. Private firms that need a large equity investment but are not yet in a position to go public may attempt to obtain funding from a venture capital (VC) fund. Such funds receive money from wealthy investors and from pension funds that are willing to maintain the investment for a long-term period, such as 5 or 10 years. These investors are not allowed to withdraw their money before a specified deadline. Venture capital funds have participated in a number of businesses that ultimately went public and became very successful, including Apple, Microsoft, and Oracle Corporation.
Venture Capital Market The venture capital market brings together ...
Mutual Funds Handbook
This document provides an overview of mutual funds, including what they are, how they work, advantages, types of mutual funds, how to invest in them, and risks. Some key points:
- A mutual fund pools money from investors and invests it in a portfolio of securities like stocks and bonds. It allows investors to own a diversified basket of assets at a relatively low cost.
- There are different types of mutual funds categorized by asset class (equity, debt, hybrid, gold) and market capitalization (large-cap, mid-cap, small-cap, multi-cap).
- Popular ways to invest include lump sums, systematic investment plans (SIPs), and systematic transfer plans (
mutual funds
A mutual fund is a pool of money managed by a professional Fund Manager. It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments .
Equity basics
Stocks, also known as shares or equity, represent partial ownership in a company. When purchasing shares, an investor becomes a partial owner and may be entitled to voting rights and dividends. Historically, stocks have outperformed other investments due to dividend payments and price appreciation when shares are sold for a higher price than purchased. Investors can purchase stocks individually or through mutual funds, which provide diversification. However, stock investing also carries risks like market volatility, inflation, and investment or credit risk that affect a company's performance.
Mutual fund basics article
Many people tend to over complicate saving and investing. This overabundance of information can sometimes generate so many different answers and opinions that you just give up on the question. You don't need brain surgery to fix a sprained wrist, and you don't need to be a pro to build a diversified portfolio and accumulate wealth. This article shows the benefits and the simplicity of investing in a mutual fund.
What is Income Fund in Mutual Funds for Beginners.pdf
Mutual funds offer investors the opportunity to invest in a professionally managed portfolio without individual stock selection. They provide diversification, liquidity and professional management, making them attractive to both novice and experienced investors.
22 Reducing Investment Risk
A pooled investment allows investors to invest in a large, professionally managed portfolio of assets alongside other investors. This helps reduce risk through diversification across many investments. Pooled investments include unit trusts and open-ended investment companies (OEICs). Unit trusts divide the portfolio into units that fluctuate in value with the portfolio. OEICs operate like unit trusts but are structured as investment companies. Both allow small investors to access a wider range of investments than individually.
Chapter 5 Islamic Equities Market
This document discusses Islamic investment in equities markets. It begins by outlining the types of securities, including common stock and preferred stock. Common stock represents ownership in a company and provides rights to dividends and voting. Preferred stock has limited voting rights but priority claim to dividends. The document then examines the underlying Shariah contract of stocks, which is based on principles of Musharakah profit and loss sharing. While common stock is generally permissible, preferred stock faces restrictions. The document concludes by discussing various ways shareholders can be rewarded, such as cash dividends, bonus issues, and rights issues, all of which can be compliant with Shariah perspectives.
Ventrue capital
Venture capital provides risk capital to startups and growing companies in exchange for equity. It is invested through various financing rounds as companies progress from seed to growth stages. Venture capitalists obtain funds from institutional investors and aim to exit their investments through IPOs or acquisitions within 3 to 7 years to generate returns exceeding traditional investments. They conduct extensive due diligence on management teams and business plans before structuring investments using various equity and debt instruments.
Mutual fund and insurance selling
The document discusses various financial products and mutual funds. It provides information on the basics of investments including risk aversion and risk management tools. It discusses the types of mutual funds such as money market funds, gilt funds, debt funds, equity funds and hybrid funds. It also discusses other investment products like bank deposits, PPF, NSC, insurance and their features.
Mutual Funds Finance Types, Pros, Cons, Supreme Guide.
A mutual fund is an economic vehicle that pools assets from investors to buy securities like stocks, bonds, money market instruments, and different assets. Mutual funds are operated by professional money managers, who spend the fund’s assets and test to make capital gains or revenue for the fund’s investors.
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Mutual funds
The document discusses mutual funds, which allow small investors to pool their money into a portfolio managed by professionals. It describes the different types of mutual funds based on maturity, investment objectives, and customer segments. Open-ended funds offer continuous subscription and redemption, while close-ended funds have a fixed maturity period. Equity funds focus on growth, debt funds on income, and balanced funds combine both. Sector funds invest in specific industries while index funds track market benchmarks.
Fmrs mutual fund market in south africa
This document provides information about mutual funds in South Africa and India by comparing their respective markets. It discusses what mutual funds are, their advantages and disadvantages, and the types of mutual funds. For South Africa, it outlines the major mutual funds, market regulators, and why people invest in mutual funds. For India, it discusses the history and introduction of mutual funds in the country. The key comparison points are that South Africa has multiple regulators while India only has one, South Africa's market is more developed while India's is still growing, and South Africa has over 50 funds while India has under 50.
Investing.pptx
Investing offers significant benefits like wealth accumulation over time. By allocating funds across different investment vehicles like stocks, bonds, real estate, or mutual funds, investors can earn returns that allow their money to grow exponentially through compounding. Successful long-term investing requires having clear goals, diversifying one's portfolio, conducting thorough research, avoiding emotional decisions, and maintaining a disciplined strategy despite market fluctuations. While investing carries risk and no guarantees, following basic tips can help individuals build a strong foundation toward achieving their financial objectives.
Venture Financings 101 (SAFEs, Convertible Notes, Seed and Series A) | Bardia...
An introductory crash course on the typical legal and business terms involved with, and negotiated in, venture capital fundraising including SAFE, Convertible Note, Series Seed and Series A financings.
Mutual Funds
Mutual funds allow investors to pool their money together for investment purposes. The key advantages are professional management, diversification, flexibility, low costs, and transparency. Regulations in India are governed by SEBI and funds are organized as trusts. Terminology includes asset allocation, fund manager, NAV, entry/exit loads, and types of schemes such as equity, debt, balanced, tax saving, and other specialized funds. Investors must consider their goals, risk tolerance, fund performance and costs when selecting funds.
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Building A Diverse Portfolio
- 1. www.footes-financialplanning.co.uk Building a diverse Portfolio
- 3. Different asset classes behave in different ways
- 4. Need to balance priorities between your different needs:
- 5. Convert this into a personalised allocation
- 6. What goes up will also come down
- 7. Your attitude to risk
- 8. Your growth expectations
- 10. Volatile, particularly over the short term
- 11. Diversify – spread an investment across many companies
- 12. The price of and equity goes up and down all the time
- 13. Price is subject to market sentiment as well as true underlying value
- 14. If a company fails, equity investors can lose everything
- 15. Unit trust funds and OEICs
- 18. Good for those requiring regular, dependable levels of income
- 19. Seen as lower volatility than equities
- 20. Interest is paid regularly by the company to the investor
- 21. Can offer capital growth if interest rates fall
- 23. Regular interest payments pay income or add to the overall value
- 24. Interest runs in line with base rates (usually slightly below)
- 25. Good for short term requirements and emergency funds
- 26. Be aware of the effects of inflation
- 28. Generally useful for its income prospects, combined with the potential for capital growth
- 29. Investment options split into different general categories
- 30. Each category offers different characteristics
- 31. Commercial property (offices, warehouse ,etc.)
- 32. Residential property (owner occupier, but to let)