This document provides information about mutual funds in three paragraphs:
1) It defines a mutual fund as an investment company that pools money from individual and institutional investors and uses it to form a diversified portfolio managed by professionals. Owners of the fund shares share in the profits and risks.
2) It describes the main types of mutual funds including stock, balanced, bond, and money market funds which invest in different asset classes like stocks, bonds, and short-term securities.
3) It outlines the process for individuals to invest in mutual funds in the Philippines including minimum investment amounts, typical returns, and risk levels for different fund types.
Chapter 3 Depository Institutions: Activities and CharacteristicsNardin A
Chapter 3 Depository Institutions: Activities and Characteristics
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
We are big advocates of transparency at Seedcamp and understand first hand just how tough the fundraising process can be. It's not just startups who go through this but funds too. In the spirit of openness, we're sharing the deck we used to go out to investors for Seedcamp Fund IV.
Read more about our plans to invest in 100 new European startups with our biggest and boldest fund yet over on our blog: http://seedcamp.com/seedcamp-fund-iv-announcement/
Chapter 3 Depository Institutions: Activities and CharacteristicsNardin A
Chapter 3 Depository Institutions: Activities and Characteristics
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
We are big advocates of transparency at Seedcamp and understand first hand just how tough the fundraising process can be. It's not just startups who go through this but funds too. In the spirit of openness, we're sharing the deck we used to go out to investors for Seedcamp Fund IV.
Read more about our plans to invest in 100 new European startups with our biggest and boldest fund yet over on our blog: http://seedcamp.com/seedcamp-fund-iv-announcement/
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how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. A Mutual Fund is an investment company that
pools the funds of many individual and
institutional investors to form a massive asset
base. The assets are then entrusted to a full
time professional fund manager who develops
and maintains a diversified portfolio of security
investments. People who buy shares of a
mutual fund are its owners or shareholders.”
3. Mutual funds are classified into the following:
Stock fund- 90% of the fund is invested in stocks
or equities
Balanced fund- 45% invested in stocks and 45%
in fixed-income instruments
Bond fund- 90% invested in fixed income
instruments such as government securities and
corporate papers
Money market fund- placed in fixed-income
short term funds
4. Depending on the type of mutual fund, a
professional fund manager invests the gathered
funds in stocks, government securities, and other
financial instruments.
A mutual fund can make money from its
securities investments in two ways: a security can
pay dividends and interest to the fund, or a
security can rise in value.
5. The fund passes any dividends, interest or
profits on the sale of its portfolio securities,
less fund expenses, to shareholders in the
form of distributions.These gains are
reflected in the NETASSETVALUE (or price)
of each share of the mutual fund.
6. In the Philippines:
If you choose to invest in a mutual fund
exclusively, the initial deposit that you can
start with is P5,000.You can then choose to
invest P1,000 monthly.
7.
8. Gives an average annual returns of 8% to 20%.
Returns are not guaranteed.
Medium Risk – Highly convenient since a
professional fund manager takes care of the
fund
Medium Risk –The fund is diversified
Medium Risk – Grants you opportunity to invest
in more than one company It’s affordable
because you will only pay P5,000 or P10,000 to
start investing.
Ideal for your medium to long term financial
goals.
9. 1. Money Market Funds - Super Short-term (one
year or less)
- invest in fixed-income securities
- very liquid so you can tap into them as needed
- growth of your investment is conservative
- low-risk
10. 2. Bond Funds - Short-term (1-5 years)
- invest in fixed-income securities like
government bonds or corporate papers issued by
solid Philippines companies
- it's like you're lending money to the government
or to the solid companies and they promise to pay
you a guaranteed (low) interest rate
- growth of your investment is conservative
- low-risk
11. 3. Balanced Funds - Medium-term (6-9 years)
- combination of bond funds & equity funds
- moderately aggressive
- higher growth potential than bonds but lower
growth potential than equity funds
12. Stocks/Equity Funds - Long-term (10 years or
more)
- your money is invested by buying shares of
"ownership" of reputable Philippines companies
listed in the Philippine Stock Exchange
- you become a part-owner of the company you
bought shares from
- high risk because if the company you invested in
is a growing one, you get great returns;
- highest possibility of growth
13. Before anything else, the investor is given an
assessment by answering a form usually called
Investor Profile Questionnaire. From the result
or score, he could know what type of investor he
is (conservative, moderate, aggressive) and he
could also choose what type of MF is suitable for
him.
14. The Mutual Fund licensed representative or
adviser is usually the one who will assist an investor
in opening an account and choosing an account
appropriate for him. They would tell the investor
everything they need to know and tackle about the
investment they are getting into. They would also
advise and give recommendations as to what type
of mutual fund suitable for their financial status
and goal.
It’s important to read and understand the fund’s
prospectus before you start your investment.
15. In reviewing the prospectus, one should focus on the following:
- investment objective
- risks in investing in a particular fund
- investment management and bonus fees, in case of asset
management firms
- other fund operating expenses like fund administration,
transfer agent, custodian, audit and legal fees
- entry/exit fees covering the period they are applicable
- track record of the fund and the asset management company
- background of the officers and directors of the fund
- background of the officers and directors of the asset
management company
16. As of September 30, 2010, there are a total of 43 mutual
funds in the country, broken down as follows:
Category:
Equity Funds (PhP) 8
Equity Funds (USD) 1
Balanced Funds (PhP) 7
Balanced Funds (USD) 1
Bond Funds (PhP) 10
Bond Funds (USD 9
Bond Funds (Euro) 2
Money Market (PhP) 5
TOTAL 43
17. From a single-player monopoly in 1964, the Indian
mutual fund industry has evolved into a high-growth
and competitive market on the back of favourable
economic and demographic factors.
As of August 2012, 44 asset management companies
(AMCs) were operating in India with assets under
management (AUM) of INR 6.4 trillion. However, after
several years of persistent growth, the industry
witnessed consistent declines of 6.3 percent and 5.1
percent in its AUM during FY11 and FY12, respectively.
18. One of the reasons could be the changes in
regulatory guidelines-example ban on entry
load, stringent KYC norms, guidelines on
transaction charges, tightening valuation and
advertisement norms - which were
introduced in a short span of time thus giving
less time to the industry to adjust in the new
environment.
19. Further, the penetration of mutual funds in
India (as measured by theAUM/GDP ratio)
remains low at 4.7 percent as compared to
77.0 percent in the US, 41.1 percent in Europe
and 33.6 percent in the UK. Mutual funds also
constituted only 3.3 percent of households’
financial savings in FY10, which further
contracted to -1.2 percent and -1.1 percent in
FY11 and FY12, respectively, due to large
redemption and capital losses
20. Through its recent initiatives and
announcements, SEBI has given a much needed
boost to the mutual fund sector but the industry
is waiting for a long term initiative by the
regulator that will put this sector amongst the
most preferred instrument of investment.
21. The Government of India enacted the Securities and
Exchange Board of India Act, 1992 on 4 April 1992 which
created the Securities and Exchange Board of India (SEBI).
SEBI issued a comprehensive set of regulations in 1993 and
revised them again in 1996. These included regulations
covering the Indian mutual fund industry.
All mutual funds in India today are regulated by SEBI. The
Association of Mutual Funds of India (AMFI) is a self-
governing association of Indian Mutual Funds that regulates
its members' sales, distribution and communication
practices.
Investors can invest in Indian mutual funds directly or
through distributors under codes of practice developed by