How mutual funds should be considered for long-term investment?

When it comes to investing for your future, there are a lot of investment vehicles to choose from. Although there is no specified formula or handbook that investors are expected to follow, there is one general rule that impacts your mutual fund performance: Invest for the long term.

When you invest for the long term your mutual fund performance harnesses the power of compounding. When you make a mutual fund analysis, your age and financial responsibility play an important part in your investment decisions. Since youngsters can afford to have an aggressive stance in investing as they have fewer financial responsibilities such as retired parents, a spouse, children, or car or home loans to pay off, they are encouraged to start their investments early. A young individual thereby, is able to withstand the market swings. Moreover, investing in equity for the long term allows you to take advantage of compounding in your mutual fund performance (i.e., the returns begin earning returns thereby adding to the principal).

Compounding involves two factors that make it work: the reinvestment of earnings, and time. The more time you give your investments, the more chance to build your wealth.

Although there have been ups and downs, historical mutual fund performance over the last 5 years and beyond needs to be reviewed before you align your portfolio for the long term.

Let’s understand the benefits of investing with a long term horizon:

Long term investments carry specific financial goals and give options to investors to invest small amounts at regular intervals per month which has the potential to provide long term risk adjusted returns. An SIP is one of the best investment vehicles.
When you make a mutual fund performance comparison, the rate of returns is likely to fluctuate and remain volatile. However in long-term investments have potential to provide risk adjusted returns.
You have the potential to correct investment mistakes in the long term. Anyone can be a long-term investor; you don’t have to be an investment expert to invest in well-run businesses for the long term. While it is natural that you will make mistakes; even the best investors have been wrong. But a regular review of mutual fund performance indicators every six months can help correct at least some of these mistakes. In addition, it is important to hold on to investments that have historically demonstrated strong growth.

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What are the different types of personal loans in India?

personal loans have witnessed splendid growth starting from uncertain business to a positive space undertaken by renowned banks, and other private financial institutions including Money View, etc.

Money View, one of the leading prominent online financial institutions offers personal loans to serve a diverse range of purposes. Some of them are as follows:–

Wedding loans: — Wedding is an expensive and memorable event for an individual. Rather than withdrawing money from your personal savings account, it is always better to avail of a personal loan from credible and trustworthy sources like Money View. They offer personal loans at an attractive rate of interest (ROI) with flexible repayment tenure. Personal loans are indeed one of the best options to cover wedding expenses. A major highlight regarding this type of loan is that customizing options are available which are tailor-made for an applicant.
Travel loan: —- Travel loans are exclusively meant for those individuals who wish to go for a vacation abroad. You do have the option to raise funds for expensive family trips while paying the bills at a later stage. Another benefit regarding this type of loan is that travel insurance is included thereby ensuring optimal protection.
Property renovation loan: —- Nowadays, availing of a property renovation loan amongst the people is common. Quite a few people are not able to afford a huge amount to purchase real estate and ultimately end up compromising on various aspects to manage expenses. This type of loan features numerous benefits such as covering repairing and maintenance costs, procuring brand new materials, and managing the laborer’s charge. By doing so, a property renovation loan helps in enhancing the value of a property in the real estate world.
Medical loan: —– This type of loan is applicable for the ones who do not possess insurance. They should consider applying for a medical emergency plan. The medical plan proves to be beneficial owing to its lower rate of interest and quick approval process.
Secured loans: — Secured loan is a type of installment loan which is supported by collateral security in the form of a vehicle, savings account, or real estate. If in case the borrower fails to repay the loan amount, the concerned lender does have the right to seize the entire property or similar assets to cover the remaining outstanding dues.
Pension loan: —- Pension loans are designed for retired people. As a result, standard eligibility requirements do not apply here. In this type of loan, financial institutions or banks offer a certain volume of cash in the form of pensions. However, applicants are supposed to submit pension proof. The pensioners are permitted to borrow funds to cover day-to-day expenses or for payment of medical bills.
Debt consolidation loan: —- This type of personal loan is meant to consolidate the existing debts into a single one while smoothly covering EMI. You may consider using a personal loan EMI calculator to examine and compare the repayments.
Education Loan: — Education loan is a quite popular loan amongst the students. Parents of kids apply for an education loan to pay tuition fees or pursue higher studies overseas.
Festival Loan: — Prominent lenders like Money View provide this type of loan to host parties and organize festivities.
Consumer durable loan: — It is a type of loan, which is meant to purchase household appliances.
Smartphones and computers loan: — Lenders offer this type of loan to those individuals who intend to purchase desktop PCs and mobile phones.
Doctor Loan: — It is yet another type of personal loan which is exclusively meant for doctors who wish to upgrade their existing workplace or set up a brand new clinic. Apart from that, they could utilize the loan to recruit staff and purchase medical equipment.
In addition to the above mentioned, there are few other types of personal loans:
Teachers play a crucial role in the daily lives of students. Apart from imparting education, their role is to nurture, mentor, and develop a support system exclusively for students. We should be aware of the fact that teachers have additional responsibility by taking care of their family including children.

At times, they too face financial crisis, and to assist them in covering extra overheads, personal loans for teachers are provided by Money View. Applicants may take advantage of the personal loan eligibility calculator available on the official website of Money View.

Benefits of Personal Loan:
In this section, we discuss some of the potential benefits and features of a personal loan. Have a look at a few of them:

The documentation process is quick and easy. Applicants are supposed to furnish relevant supporting documents like ID proof, monthly income statement proof, and the latest passport size photo.
Money View offers personal loans at an attractive rate of interest with flexible repayment tenure.
Applicants do have the option to check their eligibility requirements using an online eligibility calculator. It is available on the official website of Money View.
Eligibility requirements for a salaried professional
The minimum age to avail of a personal loan is twenty-one years and the maximum age is about sixty years.
Applicants should have at least two years of working experience in the current workplace and earn a monthly salary of twenty-five thousand.

Eligibility requirements for self-employed individuals

According to the personal loan eligibility checker, the minimum age required for a self-employed individual and business people is twenty-five and sixty-five years respectively.
Applicants are required to submit monthly income proof and lucrative business operations for the past two years.
Conclusion
Money View is indeed one of the established financial institutions acknowledged for disbursing personal loans at an attractive rate of interest with flexible repayment tenure. Moreover, the company is also acclaimed because of the quick and easy online documentation process.

Important Factors To Consider While Buying A Life Insurance Policy

As per the current environment all over the world, the need for good life insurance has been heightened. People have started taking more interest in having life insurance for themselves as well as for their family members. The ability of an individual to contract a deadly disease makes it essential to rethink the insurance requirements. Many states have even started making it mandatory for their people to have life insurance.

Life insurance is one of the most popular but complicated insurance concepts that is highly misunderstood by many people. It is a concept that is surrounded by some misconceptions due to which people remain aware of its benefits. Life insurance in Bedford Park is used by people to have a secure financial future. It is a type of insurance that helps people to have peace of mind that their loved ones will have some financial support and protection even if they no longer will be there to help them.

Just like any other type of insurance, choosing a life insurance policy is not that easy. Such type of insurance policy is covered by various concepts that make it essential for the buyer to choose the best one for them and their loved ones. Here are some factors considering which helps to buy a good life insurance policy.

Age:-

One of the most important elements in determining that what life insurance product we must choose is age. Each life insurance policy includes a variety of products. Choosing the policy as per one’s age help to have maximum benefits. Those who are younger, generally get more options to choose from. It is the age that also helps to decide that for how long we need the coverage.

Life insurance is usually designed to either last for a certain period of time, which is called term life, or the life that provides coverage till the death of the insurance holder. Depending on one’s preference, one can easily choose the type of insurance. Those who choose life insurance for as long as they will live are provided permanent coverage. There are some life insurance products such as basic term life insurance, that accepts eligibility till the age of 60 only.

Objective:-

While buying a life insurance policy it is important to understand the actual reason for buying it. Having a clear idea regarding the objective helps to make the right decision not just about the insurance, but also about the type of benefits to look out for. There are some types of permanent life insurance policies that can also be used as savings. Those who prefer having cash value usually prefer permanent life insurance policies. Such policies are lifelong and include cash value that increases with time.

Budget:-

Another thing that matters most while buying a life insurance policy is the budget. Before buying any policy, it is essential for all to consider that whether we will be able to afford to keep the insurance coverage in place or not. It is always better to choose the plan that is affordable to us and is possible for us to pay the installments or policy amount without any delay.

Whole life insurance is a type of permanent insurance in which the insured person is covered for the whole life till they will pay the premiums on time. On the other side term, life insurance provides coverage only for a specific period or a few years mentioned in the policy. In case of death of the insured during such time period, the death benefit is paid to his or her beneficiaries. Both types of life insurance in Bedford Park are preferred by people due to their affordable rates and high benefits. Along with this, such types of life insurance also offer a cash value or savings component.

A TANGLED WEB: “The Amazing Spider-Man 2″ Thrills Despite Its Disjointed Presentation

When Marvel Comics produced the first issue of “The Fantastic Four” in 1961, it heralded a change in comic book storytelling. No longer did each story exist in a vacuum but, as in real life, events in one story would have consequences in another with subplots being carried over the course of months in myriad issues. This soap-operatic tone was not only perfected in, but was an integral part of, “The Amazing Spider-Man” from the late sixties into and through the seventies (which included the 1970′s introduced companion title, “Peter Parker: The Spectacular Spider-Man”). It was a comic filled with teen angst, mystery, romance, and tragedy (and, oh yeah, super-heroics and costumed super-villains). In this sense, Marc Webb’s The Amazing Spider-Man 2 truly is a comic book come to life. From the manner of storytelling to the character voices and the visuals, the film is a homage to that era of Spider-Man comics even as it tries to work within modern storytelling aesthetics.

Coming off the heels of the last film, Peter Parker (Andrew Garfield) is standing in sundry crossroads: whether to continue find out what happened to his parents Richard and Mary Parker; whether or not to honor his vow to the late Captain Stacy (Dennis Leary) to stay away from his daughter Gwen (Emma Stone). In the meantime, Peter’s old childhood friend, Harry Osborne (Dane DeHaan), returns from exile and discovers that he is dying from a rare genetic disease inherited from his father, Norman (Chris Cooper). Meanwhile, a quintessential, emotionally unhinged “nobody” named Max Dillon (Jamie Foxx), who was saved by Spider-Man, becomes the victim of an industrial accident at Oscorp that leaves him forever changed. During all of this, Gwen grows weary of Peter’s on again/off again inner struggle and calls off their relationship.

If that’s a lot to digest, that’s because it is. The problem here is that Webb and screenwriters Alex Krutzmen, Roberto Orci, Jeff Pikner, and James Vanderbilt are trying to condense storylines that would take at least a year to tell in comic book form into a two hour, twenty-two minute run time (thus making an argument that what works in one medium may not work in another). While the film is enjoyable, it’s extremely disjointed. Webb tries to balance comic book aesthetic with real life. This film implies that such a balance is indeed delicate because at times the movie strays too far one way or the other. Jamie Foxx, an extremely capable actor, falls way too far into caricature in his first few scenes though he more than makes up for same when he assumes the mantle of the super-villain “Electro”. DeHaan plays Osborne as if someone had saved Jack Dawson from the Titanic, transported him through time to the present, dyed his hair, and gave him crazy pills. This DiCaprio-lite interpretation of Osborne is just as distracting as Foxx’ overacting and takes one out of the picture. The same can also be said of star Garfield at times, as the tics and mannerisms he imbues Peter Parker with are maddeningly overdone. Also in evidence is a German mad scientist caricature reminiscent of Dr. Kaufman in Tomorrow Never Dies or John Glover’s turn as Dr. Jason Woodrue in Batman and Robin. Assuming arguendo that the intent of the film is to homage that era of comic book storytelling, these characterizations are arguably spot on in keeping with that era. However, Webb is also trying to keep things “real” and, as such, the combination of these two styles are discordantly jarring. The script makes a couple of head scratching leaps in logic in order to keep the story going, but for the most part they’re not distracting enough to remove you from the action. Unfortunately, the “too many villains” syndrome in these type of films doesn’t help matters here. However, given how broadly drawn (pun intended) these villains are it’s almost forgivable; almost.

Now, as far as being a comic book come to life, the visuals are just, with perhaps a small bit of pun intended, “amazing”. While a 3D viewing will compromise the integrity of the CGI, the film is stunning to look at. The cinematography of New York City (where the film was entirely shot) is lovingly rendered. The web-swinging sequences are a joy to behold, and one scene at the commencement of the climactic battle between Spider-Man and Electro wherein the visuals are practically ripped from the comics.

What truly elevates this film are the leads. Some would consider their real life relationship an acting “cheat”, but the chemistry between Garfield and Stone is the film’s real hook. Despite various missteps in his performance this time around, Garfield gets the essence of the Spider-Man character; most especially in the quieter moments such as one involving a bullied child. As Gwen Stacy, Stone proves to be a formidable partner to both Parker and Spider-Man. She imbues Stacy with a subtlety that is, at certain moments, almost heartbreaking to watch. While their dialogue together is more quip than actual heart to heart, it’s what Stone and Garfield communicate behind their words, the energy between them, that sells their relationship (both on-and-off screen); sincerity in a world of fantasy. However, theirs are not the only performances that stick with you. In one small yet pivotal scene, Sally Field reminds the world why she is an Oscar-winning actress. Dennis Leary, who cameos as the foreboding specter of Captain Stacy, says more with a look than some actors do with five pages of dialogue. And Paul Giamatti has a grand old time hamming it up as the Russian “Rhino”. Yes, another caricature; but he’s having so much fun with what little he’s given to do you just don’t give a damn and go with it.

Hans Zimmer ostensibly takes over the musical duties from James Horner, though he leaves the heavy lifting to “The Magnificent Six” (comprised of Pharrell Williams, Johnny Marr, Michael Einziger, Junkie XL, Andrew Kawczynski and Steve Mazzaro). However, to his credit he does continue certain motifs, if not the actual orchestrations, established by Horner: an adaptation of Spider-Man’s theme, quiet piano for the romantic moments between Peter and Gwen, a schizophrenically comical yet dangerous theme for Electro, etc. However, it’s replete with the bombast Zimmer is known for. However, here it’s appropriate. It’s a diverse score that combines modern rock with quasi-classical movie scoring, providing a tone that matches the film in more ways than one.

Certain story arcs come full circle. Just like in the comics, this film features themes of the “sins of the father”, duality, identity, super power fantasies made manifest, and tragedy; heaps of tragedy. Those who have followed Spider-Man lore know to what I’m referring. But there are also themes of redemption, paying it forward, inspiration, hope (hope that is inspired, not deceptively implied in an alien symbol), and most importantly, fun. For all its strum and drang, despite the tragedy that is a hallmark of the character, the character of Spider-Man is one of fun, and while he’s in costume Garfield captures that essence in quip and mannerism beautifully.

This new franchise is a divisive one as it rewrites/reimagines stories and relationships both established in the Raimi and the source material. There will be some who will hate this film simply on that basis. However, on its own merits, The Amazing Spider-Man 2 is an uneven affair in terms of performances, story beats, and logic. However, for the most part, its pros far outweigh its cons. Certain questions are answered, more are raised (for the inevitable sequel). Certain story arcs come full circle. While the details may be debated, the heart behind it cannot be. The Amazing Spider-Man is a mess but a highly enjoyable one and merits a big screen viewing.

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