BEWARE;Chain se sona hai tho jaag jao!!!

Nowadays we see a lot of activity in the name of Peace,Environment,Inter-religious tolerance,Aids etc.There are many International groups which are on the look out for vulnerable individuals ,groups and communities to spread their own hidden agenda.If we are informed well and able recognise those wolfs in the sheeps clothing then their ulterior motives can be brought to light.Most of them target the young-youths of our Nation.They can be easily convinced and brainwashed through highpitchedl public issues.

The World Widw Web is the only tool through which we can scrutinise their ventures.

Always remember..there are a lot of scientific techniques through which we can be brain washed and make us think that what we are doing is right.Even the youth are brinwashed to leave their Parents and they start living with some cult groups.Once the thought process is altered it becomes difficult to bring the person back to normal.The Brain programming is such that the vulnerable will not even suspect the manipulator.Sleight of mouth works like magic on the youth.

The more educated you are the more vulnerable towards these groups.How?

It is easy to technically/logically convince a literate person..throgh demonstration,bringing in concepts which are acceptable to you,through peer pressure,data interpretation etc.

What to do?

If you get an invitation to participate in a seminar, meeting,conference etc. then type the words in a search engine like GOOGLE and go through the results.Use your own judgement.Critical views can give you some idea.

These groups use advanced level of convincing techniques like...subliminal messages,NLT,covert hypnosis etc.

One Simple Example:

Through out the country( including Sikkim and Andaman) a simple group of six persons posing as Businessmen(not knowing even the local language) from Tamil Nadu  rented and started a big showroom and started selling genuine electronics and home appliances at half the Price.The condition is that you will get the booked item only after 15 or 18 days.Meanwhile you must bring one or more customer to the shop.This so called businessmen will give the items at the promised half price on the 15th day,this will cause people to rush towards the shop as the word spreads.

When it is time to release the items  in the second lot..the customers to their surprise will find the shop closed and locked.This group will dissappear overnight.You may think how they operated even in an island where you cannot escape easily.What they do is ..after collecting money for the second lot delivery..three persons will first take the flight to Kolkatta..the remaining three will catch a flight to Chennai later.First three will escape smoothly as no one will suspect .The second lot when they are in flight this"Cheating"-fraud will be brought to the notice of Police.if they are arrested at Chennai they will loose the 50% of their loot.

Even if they are arrested at Chennai the earlier trio with the help of looted money bring them out on bail.This is not a small group of six persons-it is a Mafia.Arrest or no arrest doesnot deter them towards cheating the people.

It is a WIN WIN situation for them.Police caught in the catch22 situation.

Be a well informed Citizen....and be happy.

The Ground rules of Mutual Fund Investing

Moses gave to his followers 10 commandments that were to be followed till eternity. The world of investments too has several ground rules meant for investors who are novices in their own right and wish to enter the myriad world of investments. These come in handy for there is every possibility of losing what one has if due care is not taken. Assess yourself: Self-assessment of one’s needs; expectations and risk profile is of prime importance failing which, one will make more mistakes in putting money in right places than otherwise. One should identify the degree of risk bearing capacity one has and also clearly state the expectations from the investments. Irrational expectations will only bring pain. Try to understand where the money is going: It is important to identify the nature of investment and to know if one is compatible with the investment. One can lose substantially if one picks the wrong kind of mutual fund. In order to avoid any confusion it is better to go through the literature such as offer document and fact sheets that mutual fund companies provide on their funds. Don't rush in picking funds, think first: one first has to decide what he wants the money for and it is this investment goal that should be the guiding light for all investments done. It is thus important to know the risks associated with the fund and align it with the quantum of risk one is willing to take. One should take a look at the portfolio of the funds for the purpose. Excessive exposure to any specific sector should be avoided, as it will only add to the risk of the entire portfolio. Mutual funds invest with a certain ideology such as the "Value Principle" or "Growth Philosophy". Both have their share of critics but both philosophies work for investors of different kinds. Identifying the proposed investment philosophy of the fund will give an insight into the kind of risks that it shall be taking in future. Invest. Don’t speculate: A common investor is limited in the degree of risk that he is willing to take. It is thus of key importance that there is thought given to the process of investment and to the time horizon of the intended investment. One should abstain from speculating which in other words would mean getting out of one fund and investing in another with the intention of making quick money. One would do well to remember that nobody can perfectly time the market so staying invested is the best option unless there are compelling reasons to exit. Don’t put all the eggs in one basket: This old age adage is of utmost importance. No matter what the risk profile of a person is, it is always advisable to diversify the risks associated. So putting one’s money in different asset classes is generally the best option as it averages the risks in each category. Thus, even investors of equity should be judicious and invest some portion of the investment in debt. Diversification even in any particular asset class (such as equity, debt) is good. Not all fund managers have the same acumen of fund management and with identification of the best man being a tough task, it is good to place money in the hands of several fund managers. This might reduce the maximum return possible, but will also reduce the risks. Be regular: Investing should be a habit and not an exercise undertaken at one’s wishes, if one has to really benefit from them. As we said earlier, since it is extremely difficult to know when to enter or exit the market, it is important to beat the market by being systematic. The basic philosophy of Rupee cost averaging would suggest that if one invests regularly through the ups and downs of the market, he would stand a better chance of generating more returns than the market for the entire duration. The SIPs (Systematic Investment Plans) offered by all funds helps in being systematic. All that one needs to do is to give post-dated cheques to the fund and thereafter one will not be harried later. The Automatic investment Plans offered by some funds goes a step further, as the amount can be directly/electronically transferred from the account of the investor. Do your homework: It is important for all investors to research the avenues available to them irrespective of the investor category they belong to. This is important because an informed investor is in a better decision to make right decisions. Having identified the risks associated with the investment is important and so one should try to know all aspects associated with it. Asking the intermediaries is one of the ways to take care of the problem. Find the right funds Finding funds that do not charge much fees is of importance, as the fee charged ultimately goes from the pocket of the investor. This is even more important for debt funds as the returns from these funds are not much. Funds that charge more will reduce the yield to the investor. Finding the right funds is important and one should also use these funds for tax efficiency. Investors of equity should keep in mind that all dividends are currently tax-free in India and so their tax liabilities can be reduced if the dividend payout option is used. Investors of debt will be charged a tax on dividend distribution and so can easily avoid the payout options. Keep track of your investments Finding the right fund is important but even more important is to keep track of the way they are performing in the market. If the market is beginning to enter a bearish phase, then investors of equity too will benefit by switching to debt funds as the losses can be minimized. One can always switch back to equity if the equity market starts to show some buoyancy. Know when to sell your mutual funds: Knowing when to exit a fund too is of utmost importance. One should book profits immediately when enough has been earned i.e. the initial expectation from the fund has been met with. Other factors like non-performance, hike in fee charged and change in any basic attribute of the fund etc. are some of the reasons for to exit. For more on it, read "When to say goodbye to your mutual fund." Investments in mutual funds too are not risk-free and so investments warrant some caution and careful attention of the investor. Investing in mutual funds can be a dicey business for people who do not remember to follow these rules diligently, as people are likely to commit mistakes by being ignorant or adventurous enough to take risks more than what they can absorb. This is the reason why people would do well to remember these rules before they set out to invest their hard-earned money.

Source: Mutualfundsindia Research Team