This document summarizes three model portfolios for investors with different risk appetites. The aggressive portfolio has 75% equity and is for high-risk investors. The moderate portfolio is 50% equity and 50% debt, aiming for medium-long term returns. The conservative portfolio is 25% equity and focuses on capital preservation. Nine mutual funds are recommended across equity and debt categories for each portfolio based on past performance and risk analysis.
Tips on Investing for additional income from every sector of your Self Managed Superannuation Fund portfolio. We cover cash, high interest accounts, term deposits, Bonds and Hybrids, Direct Shares, Equity for Income Funds, ETFs both High Yield and Bonds, Commercial Property and International shares. Showing you how to make the most of your SMSF while managing the risk. This is part one of a 2 part series with the second part “Investing for Growth” to follow. Check out our blog at Http://smsfcoach.wordpress.com or follow us on twitter at @SMSFCoach and @NextGenWealth
Dominique Grandchamp: Gauging Institutional Interests and the Role of Regulat...marcus evans Network
Gauging Institutional Interests and the Role of Regulated Investment Funds in a Post Crisis World
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Managing Abu Dhabi's $627 Billion Sovereign Wealth Fund (ADIA), Presentation ...Aaron Beydoun
Aaron-Micael Beydoun has estimated the depletion of Abu Dhabi's oil reserves in 93 years in a course on investment management at Harvard University. Managing the USD 620 Billion of the Emirate's sovereign wealth vis-à-vis the Abu Dhabi Investment Authority, ADIA, he has proposed the following: Although an optimization of financial assets has established the portfolio strategic asset allocation, this ignores that underlying commodity asset i.e. oil, that forms the majority of client’s implied existing portfolio. Since the oil that forms the bulk of implied national wealth is highly volatile, then traditional portfolio investment risk management that only includes invested financial assets may not properly account for total wealth risk. Therefore, so as to properly account for national wealth risk, we recommend a strategic asset allocation that broadens the asset base to include the non-monetized commodity asset i.e. oil so as to properly account for national wealth risk.
Tips on Investing for additional income from every sector of your Self Managed Superannuation Fund portfolio. We cover cash, high interest accounts, term deposits, Bonds and Hybrids, Direct Shares, Equity for Income Funds, ETFs both High Yield and Bonds, Commercial Property and International shares. Showing you how to make the most of your SMSF while managing the risk. This is part one of a 2 part series with the second part “Investing for Growth” to follow. Check out our blog at Http://smsfcoach.wordpress.com or follow us on twitter at @SMSFCoach and @NextGenWealth
Dominique Grandchamp: Gauging Institutional Interests and the Role of Regulat...marcus evans Network
Gauging Institutional Interests and the Role of Regulated Investment Funds in a Post Crisis World
Dominique Grandchamp Senior Investment Consultant, Mercer
Managing Abu Dhabi's $627 Billion Sovereign Wealth Fund (ADIA), Presentation ...Aaron Beydoun
Aaron-Micael Beydoun has estimated the depletion of Abu Dhabi's oil reserves in 93 years in a course on investment management at Harvard University. Managing the USD 620 Billion of the Emirate's sovereign wealth vis-à-vis the Abu Dhabi Investment Authority, ADIA, he has proposed the following: Although an optimization of financial assets has established the portfolio strategic asset allocation, this ignores that underlying commodity asset i.e. oil, that forms the majority of client’s implied existing portfolio. Since the oil that forms the bulk of implied national wealth is highly volatile, then traditional portfolio investment risk management that only includes invested financial assets may not properly account for total wealth risk. Therefore, so as to properly account for national wealth risk, we recommend a strategic asset allocation that broadens the asset base to include the non-monetized commodity asset i.e. oil so as to properly account for national wealth risk.
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
As Indians, we are generally risk averse towards our investments. We believe that our money should be protected at any cost and there should be no risk involved. Hence, we agree to settle down for investments that seem to offer a guaranteed return which in reality does not beat inflation and hence devalues the money in the long term.
The asset-allocation decision is one of the most important factors in determining both the return and the risk of an investment portfolio.
Asset allocation is the process of developing a diversified investment portfolio by combining different assets in varying proportions.
An asset is anything that produces income or can be purchased and sold, such as stocks, bonds, or certificates of deposit (CDs).
How do investors pick the winning asset class? What is the importance of asset allocation and how do you build an effective asset allocation strategy? Through this deck, find answers to the benefits of equity, debt and gold assets and how does one select mutual funds to fulfill long term goals.
www.Quantumamc.com
What are the fundamentals underlying the bull run in the equity markets and how do investors position their portfolio to reap returns and minimize downside risks? Find answers to what do investors expect from the future of the equity markets?
www.Quantumamc.com
In this long write-up, I discuss an engineering (methodical) approach to personal finance. I introduce the concept as growing wealthy using an engineering approach. I then describe the parts of the approach in some detail.
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
As Indians, we are generally risk averse towards our investments. We believe that our money should be protected at any cost and there should be no risk involved. Hence, we agree to settle down for investments that seem to offer a guaranteed return which in reality does not beat inflation and hence devalues the money in the long term.
The asset-allocation decision is one of the most important factors in determining both the return and the risk of an investment portfolio.
Asset allocation is the process of developing a diversified investment portfolio by combining different assets in varying proportions.
An asset is anything that produces income or can be purchased and sold, such as stocks, bonds, or certificates of deposit (CDs).
How do investors pick the winning asset class? What is the importance of asset allocation and how do you build an effective asset allocation strategy? Through this deck, find answers to the benefits of equity, debt and gold assets and how does one select mutual funds to fulfill long term goals.
www.Quantumamc.com
What are the fundamentals underlying the bull run in the equity markets and how do investors position their portfolio to reap returns and minimize downside risks? Find answers to what do investors expect from the future of the equity markets?
www.Quantumamc.com
In this long write-up, I discuss an engineering (methodical) approach to personal finance. I introduce the concept as growing wealthy using an engineering approach. I then describe the parts of the approach in some detail.
ICICI Prudential Hybrid/FOF Schemes Bluebook | September 2022iciciprumf
Diversification aims to capture benefits from each asset class that a single investment cannot do. The ICICI Prudential Hybrid/FOF schemes bluebook suggests investing in Hybrid/FOF schemes to diversify your portfolio.
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Asit C Mehta Investment Interrmediates brings to you the reasons to save your money. Save for a better & secure future. “Getting Rich is not a function of investing a lot of money; it is a result of investing regularly for long periods of time.”
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
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RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
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Invetment strategy
1. Three types of Model Portfolio customised to suit your investment needs
Model Portfolios
Mutual Fund Schemes Equity:Debt Equity:Debt Equity:Debt
Scheme Theme Aggressive %(75:25) Moderate%(50:50) Conservative% (25:75)
EQUITY 75% 50% 25%
HDFC Top 200 Fund Diversified 15% 10% 5%
Reliance Equity Opportunities Fund Diversified 15% 10% 5%
Fidelity Equity Fund Diversified 10% 5% 5%
DSPBR Top 100 Fund Large cap 10% 10% 5%
ICICI Prudential Focused Blue Chip Equity Large cap 10% 10% 5%
IDFC Premier Equity Fund-A Mid Cap 15% 5% Nil
DEBT 25% 50% 75%
Reliance MIP* / Capital Protection MIP / CPO 10% 15% 20%
3-6 Months FMP Short term FMP Nil 10% 15%
FMP (1 Yr& above) Long Term FMP Nil 10% 20%
HDFC Cash Mgmt Fund-Savings Liquid 10% 10% 15%
Reliance Gold Savings Fund Gold Fund 5% 5% 5%
Total 100% 100% 100%
u Aggressive Model Portfolio: This is recommended for individuals who are willing to take a high financial risk and can tolerate higher
degrees of fluctuation (sharp, short-term volatility) in the value of investments for the possibility of achieving greater long-term capital
appreciation.
u Moderate Model Portfolio: This is an intermediate risk and return portfolio that provides a blend of equities and income-oriented
Schemes. Its aims to provide capital appreciation commensurate to the risk taken over medium to long term.
u Conservative Model Portfolio: This portfolio is geared towards preserving capital. A minimal risk investment strategy is used. Seeks to
hold – but not necessarily guarantee – the principal value of an investment.
* Monthly income plan is recommended for investors looking to invest through SIP route. Capital protection oriented scheme is recommended for investors looking
to make lumpsum investments.
Moreover, we believe that the success of Asset allocation is based on periodic review. All the recommended schemes in asset classes across different model
portfolios are subjected to close scrutiny, thus giving you holistic investment solutions. We recommend quarterly monitoring and rebalancing if required.
Research Process: Reliance Securities deploys its independent mutual fund selection criterion to arrive at list of recommended funds using
its in-house research methodologies. Our research is based on both qualitative as well as quantitative analysis of funds. The qualitative factors,
among other factors, include the scheme portfolio positioning and its suitability in the prevailing market environment, fund management team
and its idea generation process and the individual investment style employed by the fund manager in managing the scheme. Quantitative
factors include the scheme’s track record, consistency of performance over different time periods, performance measures such as risk adjusted
returns, Sharpe Ratio, Information Ratio and other quantitative measures.
2. Recommended Mutual Fund Schemes
EQUITY Average AUM CAGR Returns (%) Volatility( 3 years)
^ #
(in Crores) 6M 1 Yrs 3 Yrs 5 Yrs Since Inception SD Beta Sharpe
HDFC Top 200 Fund 10,692 -12.6 -16.6 16.5 13.2 21.5 43.6 1.1 0.3
Diversified
Reliance Equity Opportunities Fund 3,193 -6.0 -13.9 23.6 12.2 20.4 54.9 1.3 0.4
Fidelity Equity Fund 3,387 -9.8 -13.3 16.8 12.2 20.4 41.8 1.0 0.3
BSE-500 -13.7 -20.0 9.2 6.1
Large cap
DSPBR Top 100 Fund 3,015 -9.5 -13.8 13.1 12.5 29.5 35.4 0.9 0.2
ICICI Pru Focused Blue Chip Equity 3,105 -10.0 -10.1 19.7 13.1 31.4 1.0 0.9
BSE-100 -14.1 -19.0 8.8 6.4
Mid Cap
IDFC Premier Equity-A 2,388 2.8 -8.6 24.1 23.0 21.3 50.5 1.2 0.4
BSE MIDCAP -10.6 -24.2 8.5 3.5
DEBT Annualised Returns (%) Volatility( 1 year)
^ #
SD Beta Sharpe
1M 3M 6M 1 Year 3 Years
Reliance MIP 6,466 4.2 -0.6 2.3 1.4 15.1 2.7 0.2 -0.4
MIP
Crisil MIP Blended Index 1.6 -1.4 0.7 1.9 7.8
Liquid
Fund
HDFC Cash Management Fund-Savings 3,423 8.3 8.7 8.7 8.3 6.6 1.1 -0.1 -1.4
Crisil Liquid Fund Index 8.0 7.8 7.8 7.8 6.2
Note: Average AUM as on 30th September 2011 includes Growth & dividend option. Returns under Equity category below 1 year are absolute and over 1 year
compounded annualised. The data is as on 30/09/2011.
^ Standard Deviation
# Sharpe Ratio
SIP Returns (CAGR)
Systematic Investment Plan ( Years) 1 Year 3 Year 5 year
HDFC Top 200 Fund -20.6 13.6 12.0
Reliance Equity Opportunities Fund -13.3 24.0 15.2
Fidelity Equity Fund -15.8 15.5 11.0
BSE-500 -23.3 7.2 3.8
DSPBR Top 100 Fund -17.0 9.7 8.9
ICICI Pru Focused Blue Chip Equity -15.1 16.7
BSE-100 -22.7 6.5 3.8
IDFC Premier Equity-A -2.5 26.5 20.7
BSE MIDCAP -23.9 9.1 2.7
Reliance MIP 2.4 9.0 11.3
Crisil MIP Blended Index 1.8 5.8 6.3
Disclaimer:
This document is meant for the customers of Reliance Securities Limited only. In case you are a non resident, please note that you need to comply with the relevant local laws of the country of your residence, before investing. Mutual
Funds and securities investments are subject to market risks, and there is no assurance or guarantee that the objectives of the Scheme will be achieved. As with any investment in securities, the Net Asset Value (NAV) of the Units issued
by Mutual Fund Schemes can go up or down depending on the factors and forces affecting the securities market. There are no assurances or guarantees that the objectives of any of the mutual fund schemes will be achieved. The
investments may not be suited to all categories of investors. Please read the Scheme Information Document and Statement of Additional Information of the respective mutual fund carefully before investing.
The views herein constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the readers. This information is meant for general reading purpose only and is not meant to
serve as a professional investment guide for the readers. This document has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Reliance Securities Limited
(RSL) or its directors, employees, affiliates or representatives do not assume any responsibility for, or warrant the accuracy, completeness, adequacy and reliability of such information. Due care has been taken to ensure that the
disclosures and opinions given fair and reasonable. No action has been solicited based upon the information provided herein, and the information is not intended to be an offer or solicitation for the purchase or sale of any financial product
or instrument. Recipients of this information should rely on information/data arising out of their own investigations. Readers are advised to seek independent professional advice and arrive at an informed investment decision before
RSL/010/25.5.2011
making any investments. None of the directors, employees, affiliates or representatives of RSL shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any
way whatsoever from the information contained in this material. RSL, the directors, employees, affiliates or representatives of RSL, associate companies, affiliates, and representatives including persons involved in the preparation or
issuance of this material may from time to time, have long or short positions in, and buy or sell the securities thereof, of company(ies) / specific economic sectors / mutual funds, if mentioned herein.
For further information please contact:
Reliance Securities Limited, Registered Office: 11th Floor, R-Tech Park, Nirlon Complex, Western Express Highway, Goregoan (E), Mumbai- 400 063. Tel +91 22 3059 1377 | Fax +91 22 3059 1594,
BSI Certifies Reliance Securities Limited for providing Equity & Equity Derivatives Trading services through online trading system