This document provides information about a seminar on financial services and mutual funds. It discusses why financial services is a growing sector with good career opportunities. The seminar aims to help participants make informed decisions as they enter their careers. It will cover an overview of financial services, job profiles, required skill sets, how to obtain skills, and a question and answer session. The document also provides an introduction to mutual funds, including their concept, structure, advantages, and types of schemes.
Chris Stone, Chief Product Officer at Acquia spoke at the MassTLC Growth Conference on product management best practices and launching a product encore.
Chris Stone, Chief Product Officer at Acquia spoke at the MassTLC Growth Conference on product management best practices and launching a product encore.
An overview of the types of brand architecture. A brand architecture needs to align to the corporate's overall brand strategy. It needs to be robust and have the ability to grow and adapt.
Momentum Marketing is a full-fledged Below the Line agency operating in Abu Dhabi as well as in Dubai. Momentum has been actively conducting a lot of sales promotion drives for our clients in a number of challenging venues
throughout the region since we started.
We can provide assistance through our offices in Abu Dhabi/Dubai and through our partner agencies in Bahrain / Qatar / Saudi Arabia /Kuwait and Oman for all types of BTL services to our esteemed clients on a "one stop shop" basis. We guarantee consistent quality in all our activations & fabrications in the region.
We are capable of handling following types of activities:
In-Store Promotions (wet & dry sampling): key accounts, shopping malls,
exhibitions, road shows, product launches.
Promoters: all nationalities of Promoters offered on ad-hoc / monthly /
annual basis as well as Hostesses / Models for special events.
Outdoor Promotions: door to door drops, sampling in
schools/gyms/salons/parks/public places distribution etc.
Merchandising: third party merchandisers covering entire retail food &
nonfood chain.
Retail Field Marketing: specialized real time retail audit (visibility,
price, operations, pos etc.)
Permissions: all government permissions / retail & mall permissions /
outdoor event permissions etc.
Training: provide promoters complete product training with full logistical
support based on the brief provided by the client for the activity.
Printing: digital, offset, screen printing can be organized of all types and
sizes.
POS Management: on ground coverage of retail stores for regular supply,
store, update and change of POS material.
Stand Fabrication & 3D Design concepts for Malls / Displays / Exhibitions:
all types of company fabrication requirements from designs to production.
Fostering a high performing sales team can give your
company growth, profitability, and a better overall business
performance. Using sales incentive programmes that ensure your team consistently put in a high performance to get the best sale results is therefore crucial. So what sales incentive ideas can help you manage your sales people to become a team of high performers? We take a look...
Bravo is a white-label solution that helps support HR to execute different activities and experiments such as Award Programs, Internal Competition, Team Building, bespoke and large-scale Benefit Packages, and much more…
These are the slides presented by Aaron Hunt at InsightfulCRM's monthly Meetup.com get-together in June 2014.
The presentation covered characteristics of a challenging business market (steel) and discussed similarities with other industries, specifically the intensification of competition.
It was suggested that differentiation is the only viable strategy for most companies, and explored some of the research which supports the view of what makes a high-performing sales teams within complex environments.
The presentation also includes a number of models which the author believes provide significant value to sales professionals within complex selling environments.
This is by no means a comprehensive presentation of the subject matter in this area of research and practice.
Did you know that the average new client retention is only 35%, a shortcoming of over half to the ideal of 60-80%?! Take this class with Millennium's Assistant Learning Manager, Irena Mena, to learn 5 simple ways you can increase your customer retention and improve your bottom line!
Newton™s Laws; Moment of a Vector; Gravitation; Finite Rotations; Trajectory of a Projectile with Air Resistance; The Simple Pendulum; The Linear Harmonic Oscillator; The Damped Harmonic Oscillator
An overview of the types of brand architecture. A brand architecture needs to align to the corporate's overall brand strategy. It needs to be robust and have the ability to grow and adapt.
Momentum Marketing is a full-fledged Below the Line agency operating in Abu Dhabi as well as in Dubai. Momentum has been actively conducting a lot of sales promotion drives for our clients in a number of challenging venues
throughout the region since we started.
We can provide assistance through our offices in Abu Dhabi/Dubai and through our partner agencies in Bahrain / Qatar / Saudi Arabia /Kuwait and Oman for all types of BTL services to our esteemed clients on a "one stop shop" basis. We guarantee consistent quality in all our activations & fabrications in the region.
We are capable of handling following types of activities:
In-Store Promotions (wet & dry sampling): key accounts, shopping malls,
exhibitions, road shows, product launches.
Promoters: all nationalities of Promoters offered on ad-hoc / monthly /
annual basis as well as Hostesses / Models for special events.
Outdoor Promotions: door to door drops, sampling in
schools/gyms/salons/parks/public places distribution etc.
Merchandising: third party merchandisers covering entire retail food &
nonfood chain.
Retail Field Marketing: specialized real time retail audit (visibility,
price, operations, pos etc.)
Permissions: all government permissions / retail & mall permissions /
outdoor event permissions etc.
Training: provide promoters complete product training with full logistical
support based on the brief provided by the client for the activity.
Printing: digital, offset, screen printing can be organized of all types and
sizes.
POS Management: on ground coverage of retail stores for regular supply,
store, update and change of POS material.
Stand Fabrication & 3D Design concepts for Malls / Displays / Exhibitions:
all types of company fabrication requirements from designs to production.
Fostering a high performing sales team can give your
company growth, profitability, and a better overall business
performance. Using sales incentive programmes that ensure your team consistently put in a high performance to get the best sale results is therefore crucial. So what sales incentive ideas can help you manage your sales people to become a team of high performers? We take a look...
Bravo is a white-label solution that helps support HR to execute different activities and experiments such as Award Programs, Internal Competition, Team Building, bespoke and large-scale Benefit Packages, and much more…
These are the slides presented by Aaron Hunt at InsightfulCRM's monthly Meetup.com get-together in June 2014.
The presentation covered characteristics of a challenging business market (steel) and discussed similarities with other industries, specifically the intensification of competition.
It was suggested that differentiation is the only viable strategy for most companies, and explored some of the research which supports the view of what makes a high-performing sales teams within complex environments.
The presentation also includes a number of models which the author believes provide significant value to sales professionals within complex selling environments.
This is by no means a comprehensive presentation of the subject matter in this area of research and practice.
Did you know that the average new client retention is only 35%, a shortcoming of over half to the ideal of 60-80%?! Take this class with Millennium's Assistant Learning Manager, Irena Mena, to learn 5 simple ways you can increase your customer retention and improve your bottom line!
Newton™s Laws; Moment of a Vector; Gravitation; Finite Rotations; Trajectory of a Projectile with Air Resistance; The Simple Pendulum; The Linear Harmonic Oscillator; The Damped Harmonic Oscillator
This five step process utilizes strategi analysis tools to help students better understand their personal and professional development challenges after graduation.
Welcome to Investment & by Challenge Advisory, our approach to supporting technology companies in securing strategic investment.
For further details please feel free to reach out to us for a consultation.
Before you can do some investment planning, you need to know some basic fundamentals about investing. Why do you invest? What should you invest in? Who should do the investing? How do you invest?
Presentation at annual IASA Conference on optimizing insurance operations with case study participation from Nick Intrieri of AXA Equitable and Thomas Noh of Farmers Insurance.
Effectiveness in compensation can be defined by attracting premier talent (offer compelling value proposition), driving sustained success (reward results) and instilling a culture of confidence (build a competitive advantage). Learn the "habit" of pay planning that will drive that result.
Understand the objectives and functions of financial management. Get your concepts clear on what does financial management mean, why is financial management improtant and many more.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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Why Financial Services?
• Financial Services is one of
the fastest growing sectors
today with some of the
best career opportunities
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Why this seminar?
You are on the
threshold of your career
with many choices of
jobs. We shall help you
take informed decisions,
so you can have a
“jump start”
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Agenda: Next 90 minutes
Financial Services – An overview
Job Profiles
Skill Sets required
How to get those skills
Discussions
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Financial Services
• The financial services incorporates
organisations that deal with the
management of money. It consists of
an intricate network of financial
institutions and markets.
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Financial Services….
• The industry plays a vital role in the
functioning of the economy,
facilitating the flow of funds
between savers and investors.
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Numbers???
Numbers No of employees Turnover per
employee (lakhs)
7 38731 650.23
20 23303 778.0
21 8289 744.8
30 1010 1252.28
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Numbers???
Numbers No of employees Turnover per
employee (lakhs)
State banks
7 38731 650.23
Other
Nationalised
Banks
20 23303 778.0
Private Banks
21 8289 744.8
Foreign Banks
30 1010 1252.28
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Education Earning Years Post Retirement Years
Phase I Phase II Phase III
Age- 22 yrs Age- 60 yrs
Marriage
Child birth
Child’s Education
Child’s Marriage
Housing
22 yrs 38 yrs 10- 20 yrs
Human Life Cycle
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60
Retirement
40
Middle Age
27
Young Married
22
Young Independent
Individual Investor: Life Stages
Earnings
Consumption
Savings
All individuals have a finite period to save for their investment goals
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Value of Money over time
Impact of inflation on monthly
expenses of Rs. 30,000 today
Value of Rs. 100,000 over time
At inflation of 5%
Investors need to beat inflation
30,000
38,288
62,368
79,599
Today 5 years 15 years 20 years
100,000
78,353
48,102
37,689
Today 5 years 15 years 20 years
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OPTIONS FOR INVESTING
• Deposit in Bank – SB, RD, FD’s, Locker ;)
• Loan a Friend/Relative on Interest
• Property Investments
• Invest in Bullion - Gold, Silver..
• Investment in Capital Markets -
- Direct - Equity Share Markets
- Debt & Bonds Market -
Indirect - Mutual Funds
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The money thus collected
is then invested in
capital market instruments
such as shares, debentures and other
securities.
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The income earned through these
investments and the capital
appreciation realised are shared by its
unit holders in proportion to the
number of units owned by them.
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How do I make money from a mutual fund?
1. Capital appreciation:
As the value of securities in the fund increases, the fund's unit price will also
increase. You can make a profit by selling the units at a price higher than at
which you bought
2. Coupon / Dividend Income:
Fund will earn interest income from the bonds it holds or will have dividend
income from the shares
3. Income Distribution:
The fund passes on the profits it has earned in the form of dividends
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Terminologies Contd…
• NAV
• Per unit NAV = Net Asset Value
No. of Units Outstanding on Valuation date
• Entry Load/Front-End Load (0-2.25%)
• Exit Load/Back- End Load (0.25-2.25%)
• Sale Price/ Offer Price
• Re-Purchase Price/ Bid Price
• Redemption Price
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Investment strategies
• Systematic Investment Plan (SIP)
– Invest a fixed sum every month. (6 months to 10 years-
through post-dated cheques or Direct Debit facilities)
– Fewer units when the share prices are high, and more units
when the share prices are low. Average cost price tends to
fall below the average NAV.
• Systematic Transfer Plan (STP)
– Invest in debt oriented fund and give instructions to transfer
a fixed sum, at a fixed interval, to an equity scheme of the
same mutual fund.
• Systematic Withdrawal Plan (SWP)
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What is a Systematic Investment Plan?
An investment plan to invest a
fixed amount regularly at a
specified frequency say, monthly
or quarterly.
SIP is a simple method of investing used
across the world as a means to creating wealth
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Benefits of SIP
• Regular
• Investments happen every month unfailingly
• Power Of Compounding
• Rupee Cost Averaging
• Forced saving
• Helps you overpower the temptation to spend fully
• Helps you build for the future
• Automated
• Completely automated process
• No hassles of writing cheque every month
• Light on the wallet
• Investment amount can be so small that you do not even feel the pinch
of it being directly deducted, yet the small amount is powerfully working
towards your financial security
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SIP: The Power Of Compounding
SIP of Rs. 1000 invested per month @ 8% pa till the age of 60.
Starting Age Total Amount Saved Value at the
age of 60
25 4,20,000 23,09,175
30 3,60,000 15,00,295
35 3,00,000 9,57,367
40 2,40,000 5,92,947
…the sooner you start, makes a difference!
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SIP - How Rupee Cost Averaging helps
Month Amount Rising Market Falling Market Volatile Market
NAV (Rs)
Units
Allotted
NAV (Rs)
Units
Allotted
NAV (Rs)
Units
Allotted
1 10000 10 1000.00 10 1000.00 10 1000.00
2 10000 10.5 952.38 9.75 1025.64 10.5 952.38
3 10000 12 833.33 9 1111.11 9 1111.11
4 10000 14 714.29 7 1428.57 11 909.09
5 10000 17 588.24 6.5 1538.46 13 769.23
6 10000 18 555.56 6 1666.67 11.5 869.57
Total 60000 81.50 4643.79 48.25 7770.45 65.00 5611.38
Avg. Purchase NAV (Total of
NAVs/No. of investments
13.58 8.04 10.83
Avg. cost per unit (Total
Investment /No of units
held)
12.92 7.72 10.69
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Equity Funds
• Diversified equity funds
• Index funds
• Opportunity funds
• Mid-cap funds
• Equity-linked savings schemes
• Sector funds like Auto, Health Care, FMCG etc
• Dividend Yield Funds
• Others (Exchange traded, Theme, Contra etc)
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Mutual Fund: How to buy?
Financial Goals
Identify ‘What to Buy’
Evaluate Funds from various Mutual Fund Cos.
Online Offline
Mutual Fund Co. and
others
Financial Distributor
Fill Up Form
Attach Relevant Documents
Submit
Banks,
Financial Svc.
Cos.,
Brokers,
Individual
Agents
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Mutual Fund: How to redeem?
Fill-up relevant details
(You could do partial redemption as well)
Sign the Form
(All applicants to the units need to sign)
Submit
(Submit the form to the Branch of the specific Mutual Fund Co.)
Money into your Bank Account
(Money gets credited to you as per the scheme-specific turnaround time)
Choose ‘redemption’
Download Common Transaction Slip
(Download from Mutual Fund Company’s website or get it from the branch)
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Terminologies Demystified…
• Asset Allocation
Diversifying investments in different assets such as stocks, bonds, real estate, cash
in order to optimize risk.
• Fund Manager
The individual responsible for making portfolio decision for a mutual fund, in line
with fund’s objective.
• Fund Offer Document
– Document with investment objectives, risk factors, expenses summary, how to invest
etc.
• Dividend
– Profits given to the investor from time to time.
• Growth
– Profits ploughed back into scheme. This causes the NAV to rise.
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Terminologies Contd…
• NAV
– Market value of assets of scheme minus its liabilities.
• Per unit NAV = Net Asset Value
No. of Units Outstanding on Valuation date
• Entry Load/Front-End Load (0-2.25%)
– The commission charged at the time of buying the fund.
– To cover costs for selling, processing
• Exit Load/Back- End Load (0.25-2.25%)
– The commission or charge paid when an investor exits from a mutual fund. Imposed to discourage
withdrawals
– May reduce to zero as holding period increases.
• Sale Price/ Offer Price
– Price you pay to invest in a scheme. May include a sales load. (In this case, sale price is higher than
NAV)
• Re-Purchase Price/ Bid Price
– Price at which close-ended scheme repurchases its units
• Redemption Price
– Price at which open-ended scheme
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Investment strategies
• Systematic Investment Plan (SIP)
– Invest a fixed sum every month. (6 months to 10 years-
through post-dated cheques or Direct Debit facilities)
– Fewer units when the share prices are high, and more units
when the share prices are low. Average cost price tends to
fall below the average NAV.
• Systematic Transfer Plan (STP)
– Invest in debt oriented fund and give instructions to transfer
a fixed sum, at a fixed interval, to an equity scheme of the
same mutual fund.
• Systematic Withdrawal Plan (SWP)