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Political Prisoner PDF Download by Paul Manafort

Political Prisoner book pdf download for free or read online, also Political Prisoner pdf was written by Paul Manafort. Political Prisoner PDF Book Detail Book Name:  Political Prisoner Author:  Paul Manafort Publish date:  16 August 2022 Pages:  384 Genre:  Politics Language:  English Filetype: PDF Political Prisoner Book PDF Summary In the battle against Donald Trump, propaganda was the principal weapon used by the government-corporate-media Establishment. Democrat Party leadership has routinely disseminated accusations from anonymous sources, promoted them by a partisan media, and finally debunked them when the facts became apparent. Nevertheless, the truth had already been revealed by the time it became public. There had already been casualties. Paul Manafort was one of the most prominent casualties. Democratic leaders and Establishment allies worked together with foreign operatives in order to fabricate a completely false narrative about Paul’s supposed conspiracies with pro-Russ

What is Mutual Funds? Mutual Funds Explained

 

What is Mutual Funds? Mutual Funds Explained
Namaskar Friends, today's article is going to be educational and related to your personal finance. In this article, we will educate you regarding mutual funds. What are mutual funds? How to invest in it? Basically, all the necessary information regarding it, is a common man or a beginner investor, all the information you will get in this article. 

What is Mutual Funds

People who want to take more risk also invest in the stock market which is another way to invest your money. Every Investment has 3 things, Return, risk and time. Return means how much per cent of profit are you earning through the investment, this is normally seen in percentage. If our inflation rate is 4% then you should see that your profit return is more than at least 4 % Otherwise, there is no point in investment if you have put your money and the value didn't increase.

Because the inflation rate is also increasing. Risk means how risky it is to invest, what is the chance of losing all your money in that investment. What is the chance of going in loss after investing there. And time means for how long are you investing. So the basic risk here is that if the time is more, the risk is more then the returns will also be more. If you want more return percentage on your investment then you will have to take more risk and should invest for a longer period.

Mutual funds are a special kind of investment through which you can invest in different types together. You can do a diversified investment by investing in one place. Asset Management Company starts mutual funds. Basically, you give your money to Asset Management Company and many people like you do so. That company invest all the money collectively at different places. They have appointed experts and with their suggestion, they invest the money.

They invest money at different places and the return rate they get collectively from these different places out of that some small per cent of 1-2% is kept as a profit by the Asset company and the rest you get back as per that return rate. HDFC, HSBC, ICICI, Aditya Birla,  Reliance, and TATA, are the few examples of companies and banks that have started their own asset management company.

All the companies start different kinds of mutual funds in large numbers. For example, ICICI has started more than 1200 mutual funds. So how risky are your mutual funds and what is the return depends on the mutual funds that you are investing in.

Mutual funds can give a return rate of 4%  and also of more than 30% too. It can be of zero risk and also of high risk. Because all this depends on where the asset management company is investing your money. If that company is investing on stocks then it will be riskier and you will get more returns and if it's investing in the government bonds then it will be less risky.

Types of Mutual Funds

Different types of Mutual funds depend on the basis of the investment done by AMC people. We can divide this into the 3 categories: Equity mutual funds, Debt Mutual Funds and Hybrid Mutual funds In Equity Mutual Funds, your money will be invested in the stock market. So naturally in this type of Mutual fund generally the risk is more and also the return.

In the stock market which kind of company are you investing, if it's  a big company then it's called Large Cap Equity Funds If it's a small company then it's called as Small-cap and in the same way Mid Cap equity Funds. Big company doesn't have many risks as compared to the smaller ones but big companies won't have a growth rate as high as it can be for the smaller companies. So risk and return both are less in the big companies. ICICI prudential blue-chip fund is an example of a large-cap equity fund.

If you invest here for a year then after a year your expected return is 11.3% but if you invest for 5 years then your expected return can be 19.7%. As I've told at the beginning of the video, the more time you invest, the more return you can expect.

So let's get back to the different types of equity funds. The next type is Diversifies equity funds. Here the investment is done in the large, medium and small-cap or it's done in different companies. The next type is the Equity Linked Saving scheme which is ELSS, this is a special type of Equity fund where you can save our taxes. You can save the tax on its profit. The fund manager purposely invests in such places where there's a high return and also has high risk. IDFC Tax advantage is an example of ELSS fund with the expected returns of 11.3% within a year.


The next type is Sector Mutual Funds, here specifically such companies are invested on which belongs to a big sector like the Agriculture sector All the companies which are under the agriculture sector, are invested in. A logistic or transport sector, so there. One example of this is UTI transportation and logistics funds. So the investment is done in that sector. These funds are riskier, since all the investment is done in one sector so if the sector is going down everything depends on that.

The last type of equity fund that I would want to tell you about is the Index fund. Index Funds are passively Managed funds that are no agent of AMC is looking at where to invest the money here. These are passively managed which is according to the market's rate's up and downs they too go up and down. Looking at the price of Sensex and Nifty varies.

Types of Debt Mutual Funds

Now let's look at the second category of the mutual fund's friends, which is Debt Mutual Funds. These are those mutual funds which are invested in the debt instruments. Debts instruments are bonds, debenture, and certificates of deposits now these things are exactly what you can read for yourselves. Now debt mutual funds are of various kinds, let's first talk about liquid funds. Liquid funds are those mutual funds which can be easily and quickly converted into cash. Liquid means that actually, It's not the liquid to drink. In economics, liquid is something which can be easily converted into cash.

So this thing can be converted into cash within a day or two. But it has a very low risk, such low that you can basically consider this as an alternative to a savings account. Asset liquid fund is one such example where you will get a return of 7.1% in a year. The next type is Gilt Funds, these are those funds where Investments are done on the Government issued bonds. So technically it has zero risk because it's never possible for the Government to not return your money.

Mostly the interest rate can fluctuate. The next type is Fixed Maturity plans and this can be considered as an alternative to Fixed deposits, FD friends. Because it has very low risk just like FD and it is done for a fixed time. A specific time investment is done here and you can't take the money before that. So these are the few main types of Debt funds there are more like Junk Bond schemes.

What is Hybrid Mutual Funds

And the third category of mutual funds is Hybrid Mutual Funds friends, basically its a mixture of debt and equity mutual funds. Some people want to invest in the stock market but don't want to invest all the money there and also invest some amount in the Debt instruments., so hybrid mutual funds are for them. If most of the money is invested in a Debt fund then it will be called the Balanced savings Funds. Approximately the ratio is 70:30 that means 70% of your money is in the low-risk debt funds and 30% is in the equity funds. And if it's the other way, 70% is in the equity funds at the higher risk, then it is called as a balanced advantage fund.

Concluison

The biggest advantage of mutual funds in comparison to other investment is that it is already diversified. Your risk gets very low due to diversification. Because you are not investing in one place so if one thing crashes so it won't affect your money. So in comparison to the stock market, gold, real estate, and mutual funds are less risky however the exact risk depends on the mutual fund that you are investing in. One more good advantage is that it is affordable, you don't have to invest a big amount altogther. You can use SIP and invest a small amount every month. And all the investment of the mutual funds, friends is done by a professional expert or a fund manager who decided where to invest and where to not.

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