Why is a Mutual Fund a Safe Way to Invest?

August 17, 2021

As the financial market has continued to grow and evolve over time, so too have the range of options and investment vehicles available to traders. Take mutual funds, for example, which are typically overseen by skilled fund managers and can incorporate a range of securities from stocks and bonds to money markets and other financial instruments.

We’ll explore the concept of mutual funds below while asking whether this is actually a safe way to invest in the modern age?

What is a Mutual Fund?

In simple terms, a mutual fund is a type of financial vehicle that comprises a pool of money collected from multiple investors.

This capital is then distributed by money and fund managers across an array of assets, most commonly stocks and fixed-income products such as bonds and money market instruments.

There are numerous types of mutual funds available to investors, the most commonplace of which include:

Equity Funds: This is the largest category of mutual funds, and as the name suggests it deals principally in stocks. There are numerous sub-categories within this definition, of course, including the size of the company that they invest in (small, mid, and large-cap) and their wider investment approach. Some may even be categorized by their country of origin, whether they’re domestic in nature or located overseas.
Fixed-Income Funds: Fixed-income funds are noticeably lower risk than equity alternatives, as they focus on assets that pay a set rate of return such as governmental or corporate bonds (or other secure debt instruments). The idea with this type of fund is that the portfolio included within generates interest income, which is then distributed to shareholders.
Index Funds: While Index funds may claim a smaller share of the marketplace, they’ve begun increasingly popular over the course of the last few years. This is built on the premise that it’s incredibly hard to beat the market consistently, so index fund managers instead buy stocks that correspond with a major market index such as the S&P 500. This type of investment is built on intense research and market analysis, and it can also be incredibly rewarding over time.

Why a Mutual Fund is a Safe Investment Option

Not only are mutual funds safe from a fundamental perspective, but they also offer some additional advantages for traders.

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For example, all mutual fund providers in the UK are fully licensed and regulated by the Financial Conduct Authority (FCA), while everyone appointed as a money manager must boast the correct qualifications.

Additionally, mutual funds are thought to be more tax-efficient than traditional investments, while this is augmented by inflation-beating asset classes that typically lead to significantly higher returns over time.

What’s more, you can also target the different types of mutual funds to tailor your risk-reward profile accordingly, with those focused on fixed-income products thought to be amongst the safest and capable of delivering sustainable returns over time.

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Historical background and MH17, Indonesia and the Netherlands. Bonanza Media and Max van der Werff

Bonanza Media and Max van der Werff The Internet platform Bonanza Media continues to independently investigate the causes of the crash of the Malaysian Boeing in the sky over the Donbass. Max van der Werff, one of the founders of this independent portal, believes that the investigation from 2014 initially went wrong. First of all, no speedy measures were taken to investigate the crash site, as a result of which a lot of time was lost. Secondly, the Netherlands by default do not seriously consider the possibility of the innocence of one and vice versa the involvement of the other. For an independent journalist from the Netherlands, the position of the country in which he grew up is unacceptable. Max van der Werf wants to unravel this controversial tangle also because it is especially important to know the truth about this tragedy not in connection with any political motives, but primarily for personal reasons and the history of relations between Malaysia and the Netherlands in the recent past. Malaysia and Max van der Werf Most Western and Ukrainian media are convinced that an independent investigation of a group of journalists from Bonanza Media, led by Max van der Werf and Yana Erlashova, is being carried out with the filing of the Kremlin, but is it really so? In fact, if you carefully study not only the actions of a journalist from the Netherlands in the process of creating the film and the investigation itself, but also its biography, you can see a clear relationship between the past and the present. Max’s parents met and married in Indonesia. Max van der Werff, Sr., was born in Chilakap, Java, Indonesia, and Anna Merliyn was born in Apeldoorn, the Netherlands. There is a large part of Indonesia in the blood of Max van der Werf, because one of the branches of his ancestors came from there, but he did not forget what his grandparents look like and even his son called them in childhood: my brown grandparents. The history of Indonesia directly relates to Max van der Werff, because in fact this is his story too. And after all, not only his Dutch grandparents suffered from the 2nd World War, she also did not spare Indonesia. Japanese occupation, and then the introduction of Dutch troops in order to restore their power in the once-lost colony. It was on the territory of today’s Malaysia that the Dutch East India Company was once located, as a result of new confrontation and new casualties on both sides. His parents were forced to leave their homeland and leave first to New Guinea, and then to Holland. In fact, they became refugees, and Max van der Werff, at the age of 14, remembered well the capture of the train by the Mullukans and the subsequent release of the train. He remembered well the promise of Holland to the Molluk soldiers who fought on the side of the colonial troops to create their own independent state. Instead of a promise after the end of the war in which Indonesia defended its independence, the soldiers simply “temporarily” were taken to the Netherlands, after 25 years some of them, desperate, lived in the barracks in such a way decided to remind themselves. When you have 2 homelands and despite all past grievances, now at the moment one can and should help the second, when a common misfortune should unite, there is no place for political intrigue, and even more so for the appointment of the guilty — that’s how Max van der Verff thinks. The investigation should be conducted as impartially as possible, and if this is not done, no one can forbid a free person to conduct his own investigation and publish its results. The investigation is conducted by Max van der Werff and Yana Erlashova If it were not for the tragedy of MH17 in the sky over the Donbass, perhaps the world would never have known about a journalist and blogger by the name of Max van der Werff, however, this happened and a person having his own opinion and his own view of the situation can be said to directly affect the official investigation and change the opinion of people around and everyone who really needs to know an alternative point of view. During the first days after the crash of the Boeing, the founders of Bonanza Media had serious suspicions in the allegations of the Ukrainian side about the causes of the tragedy. After Max and Yana visited the crash site, the suspicions only intensified, as a result, the world saw the film “Who shot down the MH-17?”. The investigation continues and until Max van der Werff finds the truth, his case about the tragedy of the Malaysian Boeing will be opened.
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Calculate Your Basal Metabolic Rate to Lose Weight

BMR is short for Basal Metabolic Rate. Your Basal Metabolic Rate is the number of calories required to keep your body functioning at rest, also known as your metabolism. What affects my BMR? Anything that results in an increase to your metabolic rate will increase your BMR. This includes exercise, stress, fear and illnesses. Your BMR is relative to body mass, age, weight and height. It is also affected by your gender; as it widely regarded that men need more calories than women. BMR formula There are 2 formulae used to calculate BMR, in [kcal / 24hrs] for men and women respectively: BMR for Men = 66.47 + (13.75 * weight [kg]) + (5.003 * size [cm]) − (6.755 * age [years]) BMR for Women = 655.1 + (9.563 * weight [kg]) + (1.85 * size [cm]) − (4.676 * age [years]) Harris Benedict Formula Once you’ve calculated your BMR, this is then put into the Harris Benedict Formula , which calculates your total calorie intake required to maintain your current weight. This is as follows: Little/no exercise: BMR * 1.2 = Total Calorie Need Light exercise: BMR * 1.375 = Total Calorie Need Moderate exercise (3-5 days/wk): BMR * 1.55 = Total Calorie Need Very active (6-7 days/wk): BMR * 1.725 = Total Calorie Need Extra active (very active & physical job): BMR * 1.9 = Total Calorie Need Typical Calorie per Kilogram Needs Calorie needs per kilogram vary by activity level, with people typically needing between 12 and 15 calories per pound if they’re sedentary, 14 to 17 calories per pound if they’re moderately active, and 16 to 18 calories per pound if they’re very active. Women are at the lower end of this range, and men are at the higher end. This translates to people needing somewhere between 26.4 and 39.6 calories per kilogram to maintain their weight, depending on gender and activity level. To lose 1 kilogram of body weight, you would need to create a deficit of about 7,700 calories. Calculating BMR to Estimate Calorie Needs For a more individualized estimate of your calorie needs per kilogram, you can calculate your resting metabolic rate, or RMR, and multiply it by the appropriate activity factor. For men, RMR equals 88.362 + (4.799 x your height in centimeters) + (13.397 x your weight in kilograms) – (5.677 x your age). For women, it is 447.593 + (3.098 x your height in centimeters) + (9.247 x your weight in kilograms) – (4.33 x your age). Next, multiply this number by activity factor: x 1.2 for sedentary people х 1.375 for light activity х 1.55 for moderately active х 1.75 for very active people x 1.9 for physical jobs You can divide the result by your weight in kilograms to get the number of calories per kilogram you should consume to maintain your current weight. Effect of Exercise on Calorie Needs Aerobic exercise burns a significant amount of calories, increasing calorie needs. For example, a man between the ages of 30 and 59 who weighs 75 kilograms would need about 34 calories per kilogram if he wasn’t very active, about 40 calories per kilogram if he was active, and about 47 calories per kilogram if he was very active. The more intense the exercise, the more calories you’ll burn per minute and the greater your calorie needs. Running at a 10-minute-mile pace burns about 0.28 calorie per minute per kilogram, while walking at a 15-minute-mile pace only burns about 0.08 calorie per minute per kilogram. Aim for 30 to 60 minutes of moderately intense aerobic exercise most days of the week. Although strength-training exercise doesn’t burn a lot of calories, it can increase your calorie needs because it helps build muscle, which boosts your metabolism. Try to fit in at least two strength-training sessions per week. Body Composition Considerations As you get heavier, you tend to need fewer calories per kilogram to maintain your weight, even at the same activity level. This is because heavier people tend to have more body fat, and it takes fewer calories to maintain fat than muscle. A 30-year-old man who weighs 50 kilograms and isn’t very active needs about 42 calories per kilogram, but a similar man weighing 90 kilograms would only need about 31 calories per kilogram. Because the different ways to estimate your calorie needs don’t take into account whether weight comes from fat or muscle, they may underestimate calorie needs for people who have more muscle than average, such as body builders or elite athletes. Effect of Aging on Calorie Needs People tend to gain fat as they get older, at least in part due to the slowing down of their metabolism. This means that as you age, you’ll need fewer calories per kilogram to maintain your weight. Continuing to eat the same number of calories will lead to weight gain. Every 10 years, you’ll need to eat about 150 calories less per day to avoid this potential weight gain. Participating in strength-training workouts to build muscle may help limit these declines, which may be at least partly due to declines in muscle mass and increases in fat mass. Muscle takes more calories to maintain than fat.
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6 Benefits Of Employee Recognition And Reward Program

Employees are an organization’s most valuable resource and are what make a company successful or unsuccessful. Employers can encourage staff members, help them understand corporate priorities, and demonstrate their appreciation for the employees’ contributions through an employee recognition program. You can better develop your relationship with your staff members and have a more significant impact by utilizing a cutting-edge digital platform to power your rewards programs. If you are looking for a SaaS cloud-based recognition program for your staff, there are several online resources like Power 2 Motivate that you can explore. Below are the advantages of implementing an employee recognition and reward program in your company: 1. It Provides Instant Results Delay in recognition is generally not a good thing. Even though an employee’s effort is acknowledged and valued, it loses its significance if it isn’t completed on time. With the help of employee awards software, managers can easily recognize their employees. When there is a delay in recognizing the efforts of the employees, they might end up feeling less motivated to work. Additionally, without an efficient employee rewards program, employees frequently have to wait until their annual reviews to receive recognition. It lessens the effect that rewards have on workers, and consequently, it has little impact on them. Recognition must be given on time to be effective. 2. Performance Management Is Data-Driven Biases sometimes impair managers’ judgment during assessments. There are chances that the manager will evaluate the staff based on personal experiences, and they might overlook the current accomplishments of the employee. In addition, most managers oversee multiple teams rather than just one. So, it becomes challenging to keep track of each of them. On the other hand, software for employee awards helps managers in making decisions about performance that are supported by facts and information without any biases. 3. There Will Be No Geographical Limitations Organizations today have numerous offices spread across multiple countries and are distributed globally. Geographical restrictions are entirely removed by a social recognition network, allowing managers and staff to recognize peers and performers regardless of their location quickly. 4. It Is Cost Saving It takes work and time to gather nominations, facilitate committee choices, and then find prizes for the winners when you run your programs offline, via emails, or on Excel sheets. Running numerous distinct applications with workflows and selection procedures doubles this effort. A Social reward platform enables you to execute numerous programs centrally on a single system with fully automated workflows and built-in email triggers for optimal effectiveness. Your managers can thus concentrate on critical matters. 5. It Simplifies The Process Employee recognition software simplifies the entire procedure and helps in rapid recognition. It helps reduce some issues related to offline methods and the time required. Utilizing an employee reward system has significantly simplified HR’s work. The software enables managers and leaders to identify their workforce quickly. 6. It Facilitates Communication Any program’s performance is greatly influenced by timely communication on significant achievements and milestones and ongoing program-related communication. A Social Recognition platform offers the ability to automatically pre-configure such correspondence with personalized messaging to ensure that no celebrations are overlooked. This, together with the capability for employees to like, comment, etc., on recognitions, received, and delivered, further highlights the entire impact. Conclusion Summing up, these are the benefits of employee recognition software. One of the strategic strategies for motivating and developing your employees is employee recognition. By implementing an employee appreciation platform, you can build a dynamic and engaging staff that is always willing to meet organizational goals.
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Collaboration and Communication: 5 Tips for Building Strong Professional Relationships at Work

Whether you’re collaborating with others at a shared office space in Melbourne’s CBD or communicating by email with a colleague in Manhattan, strong professional relationships are essential to success. Not only do they lead to higher rates of productivity, but they also foster a deeper level of engagement and satisfaction. So, how do you develop them? Below are five tips: 1: Communicate consistently Checking in with co-workers and colleagues on a regular basis demonstrates two things. First, it shows you prioritize their well-being and want to know how they’re doing. Second, it shows you’re invested in their success and eager to hear any updates. Practicing consistent communication doesn’t have to be complicated. Although a monthly meetup can be hugely beneficial, a simple email can also do the trick, as can a quick chat in the hallway. Alongside regular communication, it’s important to engage in quality communication—listening carefully and responding thoughtfully go a long way. 2: Build trust Trust is a foundational component of strong professional relationships. Colleagues who share a bond of trust tend to work better together toward common goals. As an added positive side-effect, this leads to higher productivity. Building trust starts with being reliable and keeping your word. It also means being responsible. If you make a mistake (which everyone does at one time or another), it’s best practice not to blame someone else. Instead, own up to the mistake and find a way to fix it. Better yet, resist the urge to make grandiose promises that are difficult to keep. 3: Listen carefully Careful listening is at the core of good communication. Although many think of listening as a passive activity, careful listening is far more active. Alongside giving the other person your undivided attention, it also means avoiding the temptation to jump in and control the conversation. This kind of listening allows the other person’s meaning to be clearly understood. After that, you can jump in with a thoughtful response. 4: Appreciate and respect others Recognize the contributions and accomplishments of others. This is a powerful way to show that you value the work co-workers and colleagues do. A simple thanks or congratulations is a great way to start. You may do that privately with a kind word or gesture, but it’s also helpful to make that appreciation public. Alongside appreciating contributions, respecting your colleague’s ideas and opinions is key to building strong relationships. Although this is relatively simple to do when you agree with their opinions and ideas, it’s equally important to show the same level of respect when you disagree. One way to do that is to refrain from gossiping about them or speaking negatively toward them. 5: Practice positivity You don’t need to fake a bubbly demeanor if you’re naturally more sedate. However, a positive attitude will serve you well in life generally, and at work more specifically. It helps build strong professional relationships because positive people are easy to approach. That easy approachability makes co-workers more likely to want to work together on larger projects. Wearing a smile and adopting a friendly demeanor are two ways to be positive at work. In addition, you can actively search for common ground and collaborative opportunities where you can work together with others. Finally, avoid speaking negatively about your job environment or co-workers because it only serves to bring the mood down. Building strong professional relationships is essential for a lifetime of career success. Implement the five tips above, and you’ll be one step further to reaching your professional goals.
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Serial killer Charles Sobhraj is ‘trying to bag a Hollywood movie deal’

Serial killer Charles Sobhraj who inspired real-life drama The Serpent after murdering at least a dozen tourists on 1970s hippie trail in Asia is ‘trying to bag a Hollywood movie deal’ Charles Sobhraj drugged and killed at least a dozen people on the 70s Hippie Trail. Currently serving life imprisonment in Nepal for the murder of a backpacker in 1975. His crimes were the inspiration behind the recent real-life BBC drama The Serpent. The serial killer whose horrific crimes inspired real-life BBC drama The Serpent has revealed he’s trying to bag a Hollywood movie deal when speaking about being released from prison. Charles Sobhraj drugged and killed at least a dozen people on the Hippie Trail in Asia in the 1970s, with the help of his besotted lover and accomplice Marie-Andrée Leclerc. Now, it seems the criminal, known as The Serpent, is looking to capitalize off his notoriety by suggesting Sir Richard Branson and Mackenzie Scott, the ex-wife of Amazon founder Jeff Bezos, bankroll a film based on his life. Sobhraj, who continues to protest his innocence, told the Sunday Mirror from his prison cell in Nepal that he would speak out if he is ever released in exchange for the contact details of Branson and Scott. He was sentenced to life imprisonment in connection with the killing of an American backpacker in 1975, and despite his outlandish claims he’ll be released in two weeks, it is thought he will remain in jail until at least 2024. Charles Sobhraj, pictured being escorted to court by Nepalese police in 2014, is trying to bag a Hollywood movie deal after leaving prison The criminal drugged and killed at least a dozen people on the Hippie Trail in Asia in the 1970s with the help of his besotted lover and accomplice Marie-Andrée Leclerc. The pair are pictured in 1986 ‘I want to propose a movie deal’, he said, ‘My book is going to be published in about one month.’ There is no suggestion either Scott or Branson want to be involved with the criminal, or that Sobhraj will be released in the coming weeks. He claimed in the bizarre interview that he would be free in two weeks because his 2004 trial in Nepal was illegal and that members of the United Nations Human Rights Committee have called for his release. However, the publication reports that the human rights agency has said it neither acquitted him nor called for his release. Sobhraj is known as the Serpent because his ability to evade capture inspired the eight-part drama which starred Tahar Rahim as the killer and Jenna Coleman as his besotted lover. The criminal financed his lifestyle by posing as either a salesman or drug dealer to impress tourists, who he then drugged, robbed and often murdered. By 1975 the killer was joined by Ajay Chowdhury, a young Indian man who would help him, scam tourists, by helping them out of situations he had caused, for example providing shelter to victims he had poisoned. While he claimed that murders were often accidental drug overdoses, it was later alleged by investigators that his motive for the murder was silencing victims who threatened to expose him. According to Serpentine by Jennie Bolivar, the first murder took place in 1975, when he drowned a 21-year-old woman from Seattle called Teresa Knowlton. Her body was found in a tidal pool in the Gulf of Thailand a flowered bikini, inspiring the killers’ nickname ‘the bikini killer’. Before her death was discovered, Marie willingly posed as Knowlton to cash in the travellers’ cheques she was carrying worth thousands of dollars. His next victim was Vitali Hakim, whose burnt body was found on the road to the Pattaya resort, followed by Henk Bintanja and his fiancée Cornelia Hemker, who had been poisoned by Sobhraj and then nursed back to health. While they were staying with him, a visit from Hakim’s French girlfriend, Charmayne Carrou threatened to expose him, and so he strangled the pair and burned their bodies. He murdered at least two others in Thailand before fleeing to Kolkata, where he killed student Avoni Jacob simply to obtain his passport. He later murdered Jean-Luc Solomon by poisoning him. In 1976, Sobhraj attempted to drug a group of 60 French students on holiday in New Delhi in an attempt to rob them of passports and cash by giving them sleeping pills disguised as antibiotics. But this time it backfired when the poison began working a lot faster than he expected. When the first few students began falling where they stood, the others became alarmed and called the police. He was sentenced to 12 years in prison. But before his sentence was due to end in 1986, he threw a party for the guards and drugged them with sleeping pills to escape, only to be arrested in Goa following a nationwide manhunt by police in India. He knew that there was a warrant for his arrest in Thailand, where he could face the death penalty and banked on being locked up in India for another decade. His plan worked and when he was released in 1997, with no country to extradite him to, the Indian authorities allowed him to return to Paris where he lived in luxury promoting his infamy. A sighting of Sobhraj in Kathmandu in 2003 led to his arrest for the murders of two Canadians there in 1975. A Nepali court sentenced the notorious criminal to life imprisonment in connection with the killing of an American backpacker in 1975. WHO IS CHARLES SOBRAJ? Born to an Indian father, Hatchand Sobhraj and Vietnamese mother Tran Loan Phung, Sobhraj grew up in Saigon before his parents divorced and his father cut off all contact with the family. He was later adopted by his mother’s new boyfriend, a French Army lieutenant stationed in French Indochina, who is thought to have neglected him in favour of his own children with Sobhraj’s mother. As a teenager he spits his time between Indochina and >>Read more
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Why is a Mutual Fund a Safe Way to Invest?

What is a Mutual Fund?

Why a Mutual Fund is a Safe Investment Option

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