Parameters to Compare Mutual Funds

How do you decide to buy an outfit? You would decide in terms of brand, fit, cost, etc. If selecting an outfit takes so much effort, how much more effort should one put in when it is a question of our investments? It is essential that you monitor your investments in such a way that it leads to take informed decisions.

Let’s understand the parameters to assess when investing in mutual funds in India.

Risk profile: The first step is to know yourself, understand your risk appetite, how you intend achieving your financial goals and then decide your investment. Keep in mind that income from mutual fund returns in India are taxable in the hands of the investor.

If you prefer diversified investment you may consider to invest in a hybrid fund. If you are looking for short term investment, you can consider to invest in a debt fund. However, if you aim at building your wealth over long term and are willing to take risks, you can consider to invest in equities.

Mutual fund Returns Comparison:

Past performance is no guarantee to future mutual fund returns; however, do evaluate the performance of a mutual fund on consistency parameters to determine the type of fund.

You can evaluate the performance of a mutual fund against its benchmark via the fund factsheet.

Studying the fund’s quartile ranking is also useful to find a scheme.

For mutual funds returns comparison; funds with the highest mutual fund returns in the particular period are placed in the top quartile, whereas the lowest mutual fund returns are placed in the bottom quartile. If a fund has figured in the top quartile for 4-6 quarters consistently it means that the fund is outperforming its peers.

You can use a investments return calculator to calculate the amount of estimated mutual fund returns for specific investment periods.

Portfolio allocation:

While comparing mutual funds, study where and how much the mutual fund invests in any asset/sector/stock to evaluate if the mutual fund is adequately diversified. For this, study the fund’s portfolio

Expense Ratio

Scheme’s expense ratio is another parameter to compare mutual funds. Asset management companies levy asset management fees for handling your investments. This affects the performance or mutual fund returns provided by a fund as it factors in the expense ratio. With other parameters remaining same, you can consider to choose funds with lower expense ratio. You should also look into the exit load levied on the scheme before you redeem it.

So you are now ready to understand ‘what’ and ‘how to’ go about comparing mutual funds. If you are a prospective investor an investment returns calculator helps you in your financial planning based on the estimated investment returns.

However, if you are still hesitating, either reach out to an AMC or consult a financial advisor to help you build a right mutual fund portfolio.

Disclaimer: The views expressed here in this Article / Video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The Article / Video has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of the Article / Video should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments. None of the Quantum Advisors, Quantum AMC, Quantum Trustee or Quantum Mutual Fund, their Affiliates or Representative shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary losses or damages including lost profits arising in any way on account of any action taken basis the data / information / views provided in the Article / video.

Cryptocurrency Investing: It’s not as risky as you think

Cryptocurrency is a digital currency whose ownership and transactions data are recorded on an electronic ledger.

In fact, this electronic ledger is a cryptocurrency’s blockchain that updates together on over 10,000 computers around the world.

Further, the protocol defines the creation and proof for the transactions of cryptocurrency

In other words, the protocol is a list of rules that define how the process will carry out to update the task into the ledger.

Moreover, the transactions are in the form of unique codes and secured by cryptography principles.

Cryptography allows the transactions such as creation, change of ownership, etc. to record in various databases through blockchains

But, the blockchains can be public or private.

If it is public, anyone can write the list of transactions and it doesn’t have any gatekeepers to approve or reject the parties

whereas,

If it is private, then the allowed gatekeepers have full authority to approve or reject parties to carry out any transactions.

For eg: Bitcoin and Etherum belong to the public blockchains.

The huge expansion of crypto has created an entirely new and global industry.

How does Blockchain technology works?
At first, the term “Blockchain” looks very hard to figure out, this is why most of us don’t attempt to know about it.

But, it’s easy to know about it as it is simply managed by software running on computers that communicate with each other forming a network.

The following tasks have been performed by the network:-

Connect with other members in the network
Download the blockchain from other participants
Store the blockchain
Search for the new transactions
Validate and store those transactions
These Blockchain stores data in batches called blocks.

Each block is like a page of a digital ledger or record book to form a stable linked line in a sequential way.

Each block consist of three elements:

1. DATA
A block’s data contains the details about the transaction including sender, receiver, number of coins, and so on.

2. HASH
A hash in the blockchain is something like a fingerprint or signature which is unique in nature.

3. HASH OF THE PREVIOUS BLOCK
The last element makes a blockchain become secure.

Thus, the block of transactions has a date and time stamp that need the permission of everyone to alter.

How secure to do cryptocurrency transactions?
Security is one of the most essential factors to do any transactions.

Such transactions involve banks and third parties to secure the transactions.

But the crypto transactions don’t need a third party, it makes itself secure and transfers done with no error.

The first way a blockchain secures itself is by hashing.

Block’s hash can instantly change on tampering with any of the blocks in a blockchain.

In fact, changing a single block makes all the following blocksinvalid.

Additionally, Proof of work and peer-to-peer distribution gives extra security to crypto transactions.

Proof-of-work (PoW) is a method that delays the construction of blocks.

For eg. In Bitcoin’s case, it takes about ten minutes to calculate the required PoW and add a new block to the chain.

This timeline makes disrupting a block very difficult because if you interrupt one block, you need to interrupt all the following blocks.

A simple blockchain contains hundreds of thousands of blocks, so it may take 10 years to manipulate it.

What is Bitcoin?
In 2008, Satoshi Nakamoto launched the first-ever cryptocurrency named “Bitcoin”

It is the first crypto transaction over the internet with no third party involved to approve or deny it.

Bitcoin came to notice in 2017 when its value increased by 1317%.

Such growth in the value of Bitcoin counts it as an instrument of value investing.

Some of the main features of Bitcoin are:-

1. Bitcoin’s trading symbol is BTC.2. It is minable and involves computers in solving problems.3. It is created through proof-of-work.4. Transaction time is between 30 minutes and 24 hours.5. It requires a lot of energy to mine.

Not to mention, Bitcoin has been declared dead over 1000 times! But it lives on with the high trading prices.

Finally, the people invested hugely in Bitcoin and give it the title of digital gold.

What is Etherum?
Etherum is the second most popular crypto after Bitcoin. It was proposed in 2013 by Russian American Vitalik Buterin

Etherum was built up to improve Bitcoin’s design like speed, security, anonymity, and more.

Like Bitcoin, Ethereum is also a bunch of protocols written out as code recorded on Ethereum’s blockchain

Some of the main features of Bitcoin are:-1. Ethereum’s token symbol for investors is ETH.2. It is minable.3. It is created through proof-of-work (PoW).4. Transaction time can be as little as 14 seconds5. Ethereum requires less energy than Bitcoinmining.

What is Cryptocurrency Mining?
Mining is the process to create the blocks through computer hardware, chips, and designed software.

The proportion of mined blocks is roughly equal to the hashing power.

The mining requires special-purpose chips called ASICS to solve problems for the validity of transactions in the blockchain network.

Miners solve the problems to receive the created cryptocurrencies (such as Bitcoins) and transaction fees.

What are Initial Coin Offerings?
Initial Coin Offerings (ICOs) are like Initial Public Offerings (IPO’s) to raise the funds for the companies.

To launch the ICO’s, companies describe a particular product or service in a document called a whitepaper and announce their ICO.

Benefits of cryptocurrency
Cryptocurrency is capable to solve the problems that are important for the rise in the economy. These are:-

1. REDUCING CORRUPTION
Crypto is not under the power of a single entity or person. Although, many people or members over the network have distributed power to avoid the use of power abusing by a single person which finally results in no corruption

2. ELIMINATE THE MONEY PRINTING
The government authorized the banks to print the money and it becomes extreme when the economy of a nation dropped.

But, the printing of money leads the other problems such as devaluing the currency. As a result, inflation increases, and the value of money equals toilet paper.

In contrast, digital currency like cryptocurrency doesn’t need printed money to determine its value.

3. NO MEDIATORS CONTROL INVOLVED
Not to mention, traditional cash is controlled and regulated by banks and the government.

But, crypto cannot govern by any regulatory body and only you can access your crypto for transactions.

4. EASY ACCESS TO EVERYONE
It is a fact that a big part of the world doesn’t have easy access to banks.

Thus, crypto can solve this problem as anyone can access their funds even through mobile phones.

What are the risks involved in crypto investing?
Till now, we discussed the crypto benefits and how it can change the world but noting can be workable only with the nice things.

Thus, it is necessary to know about the risks involved in crypto. These are:-

1. HIGHLY VOLATILE
The crypto is highly volatile. On one day, you will find a return of 100%, and the very next day, it crashes like a hell.

2. NO REGULATIONS
Since there is no regulation in crypto. Hence, the risk of steal and can be claimed illegally anytime by the government is very high.

Nevertheless, the government can freeze your account or demonetize the currency anytime.

3. CAN BE USE BY CRIMINALS
Indeed, the crypto transactions don’t reveal the person’s identity, which cannot give any data that it is using by a criminal or a citizen.

How climate change plays with the Australian economy

Australia’s stance in terms of climate change has always been a matter of controversies. Excessive dependency on fossil fuels and lack of investment in renewable sources of energy is the primary cause that today, Australia is on the verge of facing drastic implications because of climate change.

Recently, Australia’s financial regulators announced that there’s a need to take serious actions against climate change. The Reserve Bank of Australia, the Australian Prudential Regulation Authority and the Australian Securities and Investment Commission cited the risks posed by climate change on the Australian economy.

Read in detail: How does climate change affect the Australian economy?

The losses that the Australian economy is going through due to climate change are inevitable until proper measures to curb carbon and other emissions are not taken care of. The major financial bodies have alerted the government and industry leaders that immediate measures are needed for saving Australia’s economy from falling in an endless loop of suffering due to climate change.

Conclusively, an efficient national climate change policy and good infrastructure is needed to meet the goal of net zero emissions by 2050.

Qualities of a Top Internet Marketing Consultant

If you really want to drive a lot of traffic to your websites, simple keyword research and article submissions into directories may not be enough. For more guaranteed results, you may have to resort to hiring professionals in the field of internet marketing such as a web development specialist and an internet marketing consultant. When it comes to driving traffic to your website, a marketing consultant would really be the best person you could rely on because it is his main job to provide traffic and most likely, it is his greatest marketable skill for employers like you.

Adjustability

Sometimes, it could take a lot of detailed instructions and reviews and strategic revisions before both of you could even find some working chemistry so learn to be patient. On the same side, your internet marketing consultant could also use some time before he could actually adapt his skill to the demands of your website and most especially, your goals. You should at least be able to come up with some good results after some 2-3 weeks of adjustment period. A month-long adjustment period is actually too much and it be could a sign of unproductiveness if the consultant you hired is still not able to cope with your needs and demands.

Precision

Internet marketing consultants with the highest capability to improve the results of their previous tasks should actually be rewarded because only few individuals actually have the capacity to do that. However, it is likely that you will only encounter this type of internet marketing consultant if you will raise your employee benefits so that you would at least be able to compensate for the highly skilled service he has provided you with. Truth as it is, good, consistent and reliable employees really deserve an increase in benefits every once in a while so that they may be able to feel how you value them.

Skills and results

In evaluating the performance of your internet marketing consultant, be objective as much as possible and try to remove all the biased judgments you may happen to have. Also, make it a point that you base your evaluation on the results of their work and not on the effort that they exerted alone. But of course, that would still count but on an extremely smaller scale.

In terms of the skills, you should be able to determine that by observing how he does his tasks and what strategies he use.

Small Business SEO – How SEO Consultancy Can Benefit Your Business

SEO For Small Businesses

How can an SEO consultant service benefit your company? For a small business SEO is marketing strategy that is absolutely essential. Why do I say this? It can be difficult to compete against the big, well-known players in your field of service. Very often a local SEO consultant service can benefit because of having local knowledge of how people are looking for services and purchasing goods.

Small Business SEO – It’s Benefits.

Here is a list of reasons why small business SEO is necessary:

SEO is marketing, not web design. It’s how your sell your products and servcies. There is no use having a slick looking website if nobody can find it. A professional SEO consultant will be able to get you a high Google ranking and keep you there. You need new customers coming to your business, which will in turn make you more money.

An SEO consultant will look after the whole process. Time is money, so with small business SEO you don’t have to spend one minute away from your business.

Compared to old-fashioned advertising SEO small business services provide great value for money.

Results can be obtained relatively fast. A professional SEO service will usually be able to get you onto the first page of the search engines between 30 – 90 days.

Return on investment is fast. Small businesses who use SEO consultancy services usually make back their investment within 90 days and within 120 days they can even double and triple the investment
How Search Engine Optimization Works

Before you know what you are paying for, you really need to know how SEO works. Otherwise, you can be fooled into paying for something and for services that you don’t really need or that aren’t working. Here’s the SEO basics:

Research your business related keywords that people are already using, but that have medium to low competition.

Audit your site to incorporate these keywords into your website in a natural way. A professional SEO consultant will never used tricks like ‘keyword stuffing’, which can have a negative effect on your overall Google ranking. The researched keywords will also be used in webpage descriptions and titles.

Write articles based on these keywords and have them published on line. These provide great exposure for your website.

Use social media platforms like Facebook, Twitter and Google+ to increase exposure.

Build backlinks to your site.

Send you monthly reports so you know how your investment is being used.
Although the SEO basics seem simple, an SEO consultancy expert knows how to use them in the most effective ways together so that you get a higher Google ranking.

Free SEO Services

More often than not, a professional SEO consultancy service will offer some free incentives and will take a personal interest in making your business profitable. Because after all they need you to make money so that they can make money.

If you are going to hire an professional SEO consultant, make sure that you check his credentials carefully. Any affordable SEO service will offer you a free website audit report so that you can see what is needed and what you will be paying for. This audit also keeps the SEO services transparent. You know exactly what they are doing and what kind of results you can expect.

Four Reasons To Use An SEO Consultant To Grow Your Business

There are a few reasons why a business should use a SEO consultant to help you get the best out of you website and on-line presence. The first reason is that the consultant is going to help the company to understand what customers the content of their website is going to need to target. This means that the company is going to have the ability to attract some international audience to their website too. This is because the consultant is going to set up a newsletter that the visitors of the website can sign up to get on your website. This newsletter is going to tell the customer of the latest contests, coupons, and bargains that the store has going on.

The second reason is that the consultant is going to be able to optimize all of the content that is on your website. This means that the consultant is going to make sure that your website is going to be one of the top websites that shows up when a person is looking for a particular item in a search engine that your company might sell. This is because they are going to make sure that a certain keyword is throughout all of the content of your website.

The third reason is that the consultant is going to sign up your company for the different social media websites. This is one of the best ways that the company is going to be able to spread any news that could be going on within the company. Some of this news might include new products that could be coming out or any type of coupons that the customer could bring into your store to save them some money. Customers are going to love the fact that they are going to have a chance to get a deal at your store.

The fourth and probably the most important reason why a company should hire a consultant that the fact that they are going to help the company to built up their online presence. This is because the consultant has the ability to answer any of the customers’ questions that they might have about your website and any of the products that you are selling. This is very important that the customers know everything about your products so that they are going to want to buy them.

These are the top four reasons a company should use a SEO consultant.

Marketing Consulting Services: Tips for Improving Online Sales

In the last decade, online marketplace has become increasingly competitive. The more businesses and consumers use the internet as a shopping tool, the more marketing companies invest in selling goods and services online. If your business is attempting to sell online without using techniques for increasing online sales conversions, its chances of creating a significant stream of revenue from online sales are slim. According to online marketing consulting services, the following techniques are essential for increasing online sales:

Market Research

In terms of market research, selling online is approached in the same manner as selling in the store. If a business fails to include the needs of the target audience; the strategies of its competitors; its ability to create meaningful appeals for what it sells; and a strong call to action, it is limited. Before it embarks on an online sales campaign, a business should have a provider of online sales consulting services research the needs of the target audience and the strategies of competitors.

Web Design

Sales-friendly web design is not a matter of opinion. If the layout of a website or the information it contains makes it difficult for visitors to make a purchase, the site should be redesigned. Some examples of unfriendly web design include a complex and complicated buying process or product pages that are only accessible as sub pages. Web shopping is not like shopping in store. Potential customers rarely spend time trying to figure out whether an opportunity is worthwhile. If they have difficulty getting information or making a purchase, they visit another website.

Online Video

Video is gradually replacing text as the primary source of sharing information on the web. Therefore, business websites benefit from containing video. There are numerous types of videos you can use to spotlight your business and its products, from corporate spokesperson videos to how-to videos. A provider of online sales consulting services or marketing consulting services can help you choose the right type of video for your business.

Customer Testimonials

Potential customers trust the opinions of past customers more than the opinions of the businesses. Customers ostensibly have nothing to gain or lose by reviewing a product or service. Therefore, including their opinions on your website in the form of customer testimonial videos is an excellent way to demonstrate the values of what you sell.

Search Engine Optimization

Regardless of what your website and social media pages contain, it should be optimized to achieve a high Search Engine Results Position (SERP) in Google. A Search Engine Marketing (SEM) firm could optimize your business’ website, social media pages, and any content that drives traffic to these destinations.

Conclusion

Selling online allows companies to reach customers who cannot be reached in the store. It also helps them decrease operating costs by virtually expanding the sales territory instead of building more stores. To take full advantage of these benefits, companies must implement the right online sales strategies; a task that a provider of online marketing consulting services or sales consulting services can assist with. To learn more about online sales strategies, contact a SEM firm today.

Business Consulting Solutions for Your Startup Company

Starting a business is one of the most exciting and challenging things you can ever do. To help you meet the challenges of starting a new business, you can turn to business consulting solutions for advice, tools, and ideas.

Starting a new business is both exciting and challenging. Determination, dedication, and effort can be your investment for its first few years. To minimize the challenges and make it easier meeting them, you can ask help from a business consulting company.

Access to knowledge and experience

You probably think that access to venture capital financing, a top notch staff or state-of-the-art equipment are all you need to see a new company through its formative years. Although these things are important, funding, the skill of your teams and your gear may not be enough when problems start piling up.

Think about the person regarded as one of the best business leaders ever: Steve Jobs. He was known as brilliant and a trailblazer when he founded Apple. Still, Jobs had to lose his company and learn important lessons in the years before his return to Apple, where he turned it into one of the most important companies in the world.

Experience and knowledge are important when challenges face a company, or even with the simple, everyday things needed to successfully run one. In the competitive business environment of today, you might not have the time to learn. A business consulting company gives you access to that knowledge and experience.

Running a business requires at least a working knowledge of many disciplines. You or even your close associates have no time to learn them, or the resources to recruit enough people to cover the gaps. A business consulting company can easily perform these tasks for your benefit.

Usually, these companies have advisers who run their own businesses and specialize in every field. If you have questions, they most likely have the answer. When challenges become more demanding, the collection of experience and expertise in a business consulting company can mean the difference between your company growing or not.

Getting the right tools

Another way to meet the many challenges in running and growing a company is to have the right tools. Again, funding, people and equipment can only take you so far. If you do not have even some of the more basic administrative tools, all your venture capital, team members, and advanced equipment will mean nothing.

Getting a full suite of business consulting solutions could help. Financial specialists help you make paperwork like income statements accurately and quickly. Making the right business plan can be hard, so these packages give several templates you can readily use. Report generators help you make presentations that are both informative and professional looking.

Even better, these business consulting solutions are online so they are available anytime, anywhere, so long as there is an Internet connection. This can be important when you need to recheck your business plan during inconvenient times. Having the important documents and data of your business easily accessible can go a long way to making sure you meet the challenges of running one.

Online Marketing Consultants’ Secrets For Getting Found Online

If you want your business to be found online by potential customers, read on. Some of the top marketing consultants out there use the following strategies:

Website Design

Experts know what design tactics work. Designing a great website will help you not only attract customers but engage them once they arrive on your site. Specific elements of website design work to your advantage and specific elements can harm your success potential. Experts test various strategies to help them learn the secrets of effective website design. Find your niche through competitive research and through split testing and measurement. A marketing consultant can help you create a new site or tweak your existing website and help you appeal to people who arrive on your site as well as to search engine crawlers (programs that scour the internet to help index for search engine rankings) who can send you traffic.

Search Engine Optimisation

A business website that goes up won’t necessarily be found by potential customers. Sadly, many entrepreneurs learn this the hard way and lose precious time because their site sits ineffectively online — not doing much. Search engine optimisation practises help you get found. Search engines look for specific attributes when deciding whom to send to your home page and individual internal pages as well. Find out what to do to optimise your site. There are places you should include specific info, there are scheduled maintenance tasks that can help, and keyword research and optimisation are vital.

The more you learn about SEO, the more productive website traffic you’ll get. Marketing consultants pay attention to SEO when marketing and keep updated on best SEO practises to help companies continually climb the ranks for desired search terms.

Search Engine Marketing

Beyond getting free traffic through search engine optimisation, you can also get traffic through online marketing strategies, such as: pay per click advertising, banner ads, cost per action networks, and other methods. Organic traffic is awesome but you can allocate advertising budget that could pay great dividends to you in terms of sending qualified traffic to your site. Marketing experts will do a combination of SEO and SEM (search engine marketing) so that they’re not putting all their traffic-generating eggs in one basket.

Build Your Brand and Create an Online Presence through Social Media

There are many ways to get found online. You can create opportunities and promotions on your site as well as on other sites that help you create your online presence and you can also market offline to improve your online presence. Social media optimisation equals online viral marketing

In this case, viral is good! There are great tools to help your marketing efforts go viral. How do you learn how to do this? Follow the lead of a marketing expert and read everything you can on social marketing. Social media tools can be utilised to help your business excel online. If you don’t have time or resources to do this, you can also hire a consultancy firm to do this for you.

By learning about SEO, SEM, SMO (social media optimisation) and effective design elements, you have the greatest chance of attracting lots of website traffic that will convert to customers. Do what the marketing consultants do or better yet: hire yourself a consultant so you’ll get the best results possible.

Credit Card Debt Consultant – How to Get Credit Card Debt Relief

If you are in debt because of credit cards, you are not alone. Millions of people struggle every day with making their credit payments and some are unable to do so. These only cause more problems, because not only do fees and charges build up on your credit card bill, your credit report may be negatively affected. Free debt consolidation is obtainable through various strategies which we will discuss in this article. The worst thing you can do is stick your head in the sand and ignore your bills, this only leads to the more financial difficulty, so be prepared to face your money problems head on.

There is credit card debt consultant and debt relief consultants that will lump all your bills together and have you pay them a single payment each month which they will divide among your creditors. These companies can call your creditors and work out special deals such as reductions in fees and charges. Most of the companies are providing free debt consolidation to their customers. Some companies charge a fee for their services, but the Consumer Credit Counseling agency is nonprofit and provides their services at no cost to you. This route can benefit you if you are drowning in bills and find yourself mailing out lots of payments, and it may even save you money each month.

This being said, you should know that these debt relief consultants and credit card debt consultant do not have any special powers to do anything you cannot accomplish on your own. If you were to call all your creditors and explain your situation, they might be willing to work with you by lowering fees or even monthly payments. You would still be sending off a number of payments each month rather than just one, but if this is not inconvenient for you the do-it-yourself debt repair method may be a good choice – especially if your debt is not too substantial.

One of the first steps in finding credit card debt consultant and debt relief consultant is to sit down and make a budget. When you take a hard look at your income versus your expenses, you may find places where money could be saved and applied towards your debt. Keeping a spending journal can help you discover patterns and areas where money is being wasted unnecessarily. In any case, try to make more than your minimum payment each month, even if it is just a few dollars extra as this will help you pay off your credit cards more quickly. Finally, there are some well established and experienced organizations are providing these services to their clients. For more information and details, please do not hesitate to visit their valuable website.