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Thursday, January 30, 2020

Download Gujarat Rozgaar Samachar (29-01-2020)

Download Gujarat Rozgaar Samachar (29-01-2020)


Rozgaar Samachar 29-01-2020: Gujarat Information Department  publishes Rozgaar Samachar of Gujarat state every week. Many job enthusiast people download it on Wednesday every week. We all know that India is a populated country, and it is becoming a headache for people to secure a job. Jobs and especially Government jobs are not easy to get it. Students have to prepare themselves ahead of time so that they can crack the examinations. In this state, they would need something that would let them know about the available jobs near them. This motivates them to get themselves more prepared and also to fill the forms at a desirable time. Gujarat Rojgar Samachar is doing the very thing for the youths of their state as they know the importance of looking for a job.

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Wednesday, January 29, 2020

Gpsc Bharti Exam Calendar 2020

Gpsc Bharti Exam Calendar 2020


GPSC updated calendar 2020

Candidates who are going to appear in the Gujarat Public Service Commission Exam must download the GPSC Exam Calendar 2019 to know about the dates of Primary / Mains Exam/ Interview. Here in this page, we have provided the Gujarat PSC Upcoming Exam Advt & Date PDF. Through the GPSC Recruitment Exam Calendar, candidates will be able to know details like Exam Dates, Vacancies, Post Name, Start Date, Last Date etc.

GPSC Gujarat Exam Calendar 2020: Highlights


Name GPSC Recruitment 2020
Conducting Authority Gujarat Public Service Commission
Job Location Gujarat
Application mode Online
Official site gpsc.gujarat.gov.in

How to Download GPSC Exam Calendar?

  • Visit official site of Gujarat public ervice commission which is gpsc.gujarat.gov.in
  • Go to “Latest News” section on the home page to check GPSC Exam Dates 2019.
  • Hit the given link of GPSC Exam Calendar 2019 as mentioned below.
  •  (Updated Advertisement Calendar for the Advertisements published/to be published during the year 2019)
  • Now hit on “Calendar for the Examinations to be conducted during the year 2019” link.
  • A PDF file will be opened on your system screen having GPSC Exam Calendar.
  • Thereafter contenders can save GPSC Examination Calendar or take a printout of it for further use.

IMPORTANT LINK::

DOWNLOAD GPSC calendar from here
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Tuesday, January 28, 2020

Census 2021 Manadvetan List Declared

Census 2021 Manadvetan List Declared


The Indian Census is the largest single source of a variety of statistical information on different characteristics of the people of India. With a history of more than 130 years, this reliable, time tested exercise has been bringing out a veritable wealth of statistics every 10 years, beginning from 1872 when the first census was conducted in India non-synchronously in different parts. To scholars and researchers in demography, economics, anthropology, sociology, statistics and many other disciplines, the Indian Census has been a fascinating source of data. The rich diversity of the people of India is truly brought out by the decennial census which has become one of the tools to understand and study India



Investors looking for investment avenues must be aware of certain rules and regulations that govern the Indian mutual fund sector – SEBI guidelines for mutual funds.

In India, the SEBI MF Regulations of 1996 govern the workings of mutual funds. These guidelines treat mutual funds like Public Trusts that fall under the Indian Trust Act of 1982. For handling mutual funds and to ensure accountability on the trustees, the guidelines specify a three-tier set up comprising of the fund managers, the investors, and the representatives.

The Securities and Exchange Board (SEBI) is the designated regulatory body for finance and markets in India. The primary function of the board is to protect the interests of the investors in securities and promote and regulate the securities market. SEBI has laid the ground rules for investors to become aware of the functioning of the mutual funds by providing necessary information. They serve to simplify the broad spectrum of mutual fund schemes that may often seem quite confusing to the investors. The guidelines on the merger and consolidation of mutual fund schemes issued by SEBI are aimed at simplifying the process of comparing various mutual fund schemes that are on offer by fund houses.

IMPORTANT LINK::: 


Download official pdf from here
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Saturday, January 25, 2020

Happy Re public Day Whatspp DP With Indian flag

Happy Re public Day Whatspp DP With Indian flag 



A mutual fund is a way to pool money in a variety of underlying securities to pool money from investors for investment. In ratio to their investment amount, a mutual fund house issues unit of mutual funds to unitholders. The investment objectives of a mutual fund are revealed in the offer document. Profits or losses are proportionately distributed to the unitholders. Before it can collect funds from the public, mutual funds in India must be registered with the Securities and Exchange Board of India (SEBI).









Types of Mutual Funds in India

Mutual funds are categorised into several types based on their maturity period and investment objective. In India, mutual funds are categorised on basis on the type of underlying asset.


Equity schemes: These mutual funds provide capital appreciation for individuals who focus on medium- and long-term investment horizon. According to the Security and Exchange Board of India, equity mutual fund schemes should invest at least 65 per cent of the scheme’s assets in equities and equity-related instruments. These mutual funds are usually considered high-risk, as most of the investments are focused on equity products. These mutual fund schemes are best suited for those who are open to taking a market risk, and those looking for good returns over a long-term investment horizon.



Tax-Saving Funds: One of the most popular investment options which assist in efficient tax plannin are tax saving mutual funds, otherwise known as Equity Linked Savings Scheme or ELSS. The majority of the corpus in ELSS is invested in equity. ELSS has a mandatory lock-in period of 3 years. ELSS is the only pure equity investment that offers tax benefits up to RS 1.5 lakh in a financial year under Section 80C.
Aggressive Growth Funds: These mutual funds help you make tremendous returns from equity market investments. Using a beta tool, you can gauge the movement of the fund. This fund is, however, highly vulnerable to market volatility.





Debt schemes: If you’re someone who invests in debt mutual funds, chances are your money will be distributed in a variety of fixed income instruments such as government and corporate bonds, debt securities, as well as money market instruments. The units of the mutual fund have a fixed rate of interest which allows the investors to be aware of the returns right from the beginning. For investors who don’t want to take huge risks but want constant yields, it's an excellent investment alternative.





Open-Ended Funds: Open-ended mutual schemes are continuously available for subscription and repurchase. The important thing about open-ended mutual funds is that there is no set maturity period and investors have the choice of regularly buying and selling units at net asset value (NAV). The previous performance of these funds can be monitored, enabling the investor to make a well-informed choice. These funds are an excellent choice if the investor is looking for liquidity alone.

Close-Ended Funds: A closed-end fund works like a fund traded in exchange. A limited number of units are available for purchase in a close-ended mutual fund. During the New Fund Offer (NFO) period, the units of a closed mutual fund are available to the unitholders. The investors can trade the units on their NAVs at premiums or discounts. However, the redemption of these mutual funds is only permitted after the fund's maturity, which is typically between 3 to 7 years. These funds are a perfect choice for those investors who are not investing in short-term financial goals of a few months.






Growth Funds: Growth funds make up a large portion of the investment money in shares. This is a good option for investors who want to invest their surplus money and have a high risk appetite.
Income Funds: These mutual funds invest the investment amount in fixed income securities such as bonds, certificates of deposits and securities among others. It is a great option for risk-averse investors who have a few years of experience in investment.




Liquid Funds: These mutual funds invest in debt instruments and money market instruments with a short tenure of up to 91 days. Each investor is allowed to invest up to Rs 10 lakhs only. The NAV of the liquid fund is calculated for 365 days, whereas the NAV of other funds is calculated only on the basis of business days.




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Happy Re public day Whatsapp DP with indian flag

Happy Re public day Whatsapp DP with indian flag


Republic Day is a day to remember when the Constitution of India officially came into force on January 26, 1950. This historical act formally transitioned India to become an independent republic and hence it is celebrated on January 26 every year.

It's noted that though India gained freedom from the British rule after a long struggle in the wee hours of August 15, 1947. Pandit Jawaharlal Nehru delivered his famous speech 'Tryst with Destiny', declaring India's independence to the citizens. But sadly this freedom did not come along with democracy and the right to choose your own Government. Since India didn't have an official Constitution then, our country was a constitutional monarchy under the rule of King George VI even after Independence. It was finally after two and half years later on January 26, 1950, when the Indian Constitution came into effect thus making India one of the biggest democracies in the world. It was on this day when India was declared as a sovereign, socialist, secular, democratic republic. And to honour this day, the Indian Republic Day is celebrated with great fervour throughout the country every year on January 26.





How do Mutual Funds work?

A mutual fund is formed when an asset management company (AMC) pools investments from various individual and institutional investors with common investment objectives. A fund manager professionally manages the pooled investment by strategically investing in capital assets to generate maximum returns for the investors. Fund managers are professionals in the field of finance with an excellent track record of managing investments and have an in-depth understanding of markets. The fund houses charge expense ratio, which is the annual maintenance fee to manage investments of individuals. The investors make money through regular dividends/interest and capital gains. They can either choose to reinvest the capital gains via a growth option or earn a steady income by way of a dividend option.





2. Why should you invest in Mutual Funds?

Convenience
Investing in mutual funds is a paperless and straightforward process. Investors can monitor the market and make investments as per their requirements. Moreover, switching between funds and portfolio rebalancing helps to keep returns in line with expectations.

Low initial investment
You can have a diversified mutual fund portfolio by investing as low as Rs 500 a month. You also have the option to invest either as a lump sum or a systematic investment plan (SIP). However, when compared to lump sum investments, a SIP is capable of lowering the overall cost of investment while unleashing the power of compounding.







Tax-saving
Section 80C provides tax deductions on specific financial instruments, and mutual fund is one of them. Equity Linked Savings Scheme (ELSS) has become a popular tax-saving option for Indians in the last few years, owing to its higher returns and the shortest lock-in period of three years among all Section 80C options.

Professional fund management
In mutual funds, your money is managed by a professional fund manager who is backed by a team of researchers. The fund manager formulates the investment strategy for your asset allocation. He/she will have real-time access to the financial environment and adjusts your mutual fund portfolio accordingly.




3. Things to consider as a first-time investor
Fix an investment goal
Defining your financial goals, budget, and tenure plays a significant role in your investments. Doing this will help you decide how much you can set aside towards investing and evaluating your risk profile. Investment always works best when done with a purpose.

Choose the right fund type
It takes more than reading about different mutual fund types to decide on the right category. Experts typically recommend a balanced or debt fund for first-time investors as it comes with minimal risks while providing higher returns.





Shortlist and choose one mutual fund
With a plethora of mutual fund schemes in each category, you need to analyse and compare them to pick the right one. Investors should not ignore factors such as the fund manager’s credentials, expense ratio, portfolio components, and assets under management.

Diversify your portfolio
Consider investing in more than one mutual fund. A portfolio of funds will help you diversify across instruments and investment styles. It will also even out risks – when one fund underperforms, the other makes up for the loss without bringing down the worth of your entire portfolio.




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