Persons are different from a normal person

We come across number of people in our daily life but very few names or faces are kept in our mind on permanent basis. These names make their own space and have such unique personality that they are remembered by everyone. These persons are different from a normal person in their attitude and behaviour. They remain fully committed to the goal they want to achieve, does not matter how many problems come in the way. These kinds of persons are very less in number and one of those fewer names is He has created his own image through his hard work and fully committed policy. He remains passionate towards his work, whether the circumstances allow or not. He changes the circumstances in his way so that everything happens according to his needs.

He is a millionaire and have brand image among many businessmen. He today supplies different kinds of services on very large scale and is the owner of hundreds of taxis; but he used to be a taxi driver one day. He started with one taxi, grew his business with full hard work and reached in the category of top businessmen. This shows that nothing is impossible if the person is committed and passionate towards his work. Mr. Mukesh Jindal is owner of many companies and establishments today. Latest branded cars are standing at his home, have his eye on Mercedes Benz which is available with very less number of people in India. Problems never ends, they come along with many other things. Every person is not able to face his problems effectively. This long journey is travelled by Mr. Mukesh facing many hurdles in the way but he gave answer to these problems through his positive attitude and working style. He has been appreciated from each quarter for the work he has done in his life. He is goal oriented, honest and wisdom person who through his wise knowledge has achieved this feat.

He has been credited for number of social work he does to help the needy, has sympathetic eye towards the poors, helps them and try to provide them opportunity to move ahead in their life. He is still ambitious and aspires to scale further heights in his business career. Still he has the potential and will which can establish a major and big firm in the market. He is also known for his courteous behavior towards employees and partners. There is no ego or selfishness and he is continuously walking on the path he has chosen for himself. He sets a target, achieve that target through his hard work and then set the new goal for him. But he does all this without causing slightest harm to anyone; he is acclaimed for his business style in this competitive world. His competitors are also well aware of his working style which is bound with honesty and hard work. Every young person tries to be like him and copy him in his own life. He has the hand of god on him.


Investing in mutual funds is filled with opinions, perceptions, and myths. Therefore, reality get buried while the half-truth goes around the globe resulting in bad decision making among will investors. Mutual fund review agents are not immune to a mix of insights and speculation of mutual funds.

If you decide to join a mutual fund, you will be overwhelmed by the number of offers readily available at your fingertips. This makes investors to get lost making it difficult to select one that aligns with their long-term goals and risk preferences. This article courtesy of will provide a straightforward guide to help counter such confusion which arises when buying a mutual fund. The tips are formulated into question which will help you stay on the path towards finding the investment vehicle that suits you best.

What is the expense ratio?

The expense ratio is the fee paid towards the fund management plus another cost in a mutual fund. The fund management range between 1% and 2.5%. This means if you get a return of 15%, you will get between 14% and 12.5%.

What is your goal?

This is one question that is often overlooked by investors. As a buyer, you should first address your goals. If the mutual fund of choice answers investment objectives s, risk-preferences and time horizon then you should move to next questions.

Growth is a strategy with younger and more risk-tolerant investors. Their priority is to increase the value of their investments over time. Income is a strategy that aligns with yield-starved investors and retirees whose top priority is to generate a steady income from their portfolio. Capital preservation is a strategy align with the more conservative investors who are near retirement and where they highly prioritise safeguarding their assets and stabilize their portfolio.

Who runs the fun?

Now that the list has started to become narrow, the next question is to consider who runs things, the investment vehicle. Most of the mutual funds’ performance depends on the skills of the portfolio manager in charge. However, note that more of the top managers do not stay on top for the coming years. There is a lot of inconsistency but your choice of mutual fund should have a manager that guarantee future returns.

What is in the fine print?

Those who take time and go through the fund’s prospectus find it very eye opening despite it not being a pleasant experience. A closer examination helps one to located undisclosed fee. Some of the expense barely mention but exist in a majority of mutual funds include:

Front-end load-This is a sales fee that the account holder pay in the initial investment. Some go as high as 2% of the initial investment.

Backend load-This is a cost incurred upon the sale of an investment.

12b-1- This is an ongoing fee which makes a part of fund expense ratio.

Is the fund tax-efficient?

It’s without a doubt that government tax will take a bite out of your investment. However, some fund is more tax efficient than others. Where does this originate?

Methodology-This is the investment approach used by the fund in shaping tax-efficiency. In general index based funds are more tax efficient compared to actively-managed funds.

Distribution- this is the mutual fund trading frequency which highly correlated to its methodology.

Turnover – this is the amount and type of distribution which affect tax efficiency of a fund.

Shopping for a mutual fund means encountering a tall order with offering filled with quirks and nuances. To simply this intimidating process, you need to remain within the objective and risk preferences. As an investor, you need to make savvier financial decision so take a time to get educated by doing old fashion research which is more credible.