How can asset allocation help you?

It may not be very complicated to determine your financial goal/s – a comfortable retirement, children’s higher education, a new house or a new car, but developing an appropriate asset allocation plan intended to achieve those goals can be. Using online tools like asset allocator can prove to be valuable to reduce volatility and enhance diversification.

While all investments involve risks, including a possible loss of principal, the risk gets proportionally mitigated when allocated prudently. Typically, the greater the potential of the investment, the more the risk involved. Investors should be comfortable with market fluctuations, especially over the short term. Equity investments fluctuate, due to general market conditions. Bond prices generally move inversely to their interest rates. What determines success in long-term investing has been asset allocation. Asset allocation is investing your money in different categories of assets – typically equity, debt and gold, so your investments are well diversified.

The goal of devising a suitable asset allocation plan is to develop a robust investment portfolio that will help you reach your financial objectives in tandem with the risk you find comfortable with. A well-diversified plan may be one of the most effective ways to realize your long-term goals over time.

How can asset allocation help you?

Reduce risk:
Diversifying your portfolio helps spread the investment risk across many different asset classes.

Opportunity to earn long term risk adjusted returns:
Diversifying your investment portfolio helps you improve your chances of participating in market gains and mitigate the impact of poorly performing asset classes on your overall portfolio returns.

Stay focused on your goals:
Diversifying your investments help reduce the urge to time the market and safeguard against market ups and downs.

Thus, asset allocation helps you in improving your chances to earn better long term risk adjusted returns.

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Three steps to the true financial empowerment of women

Financial empowerment isn’t about how much money you make. Financial empowerment depends on how you control and take power of that income and make life decisions with it.

Here are the steps to the true financial empowerment of women.

Step 1: Educate Yourself

It’s high time women need to take care of their own money and not depend on their husband, father, or brother to manage their income. It’s time to decide how you want to address financial planning and one of the best ways to invest is through mutual funds. It is essential to understand and evaluate your monthly budget based on income – expenses. Remember, once you begin with financial planning, keeping track of your investments is very important. Investing in mutual funds happens to be the simplest way to do so. Mutual funds give a wide variety of online purchase options and help you stay updated as well.

Step 2: Plan and accomplish

As much as taking charge is essential, it is equally important to identify your goals. Financial planning in the early years of your career helps you to gather wisdom and benefit with the power of compounding, and what could be better than Mutual funds! An SIP in Mutual funds is a great way to begin your investment journey. It is advisable to always go for a long-term approach to get optimum output. Be your own advocate and choose your own investment decision. Also, ensure that your investment portfolio is diversified. You know the old trick of not putting all eggs in one basket. Similarly, in Mutual funds portfolio, diversification is essential for combating risks. Do recognize difference between savings and investments before you take steps to invest.

Step 3 : Be empowered, ask for what you need

Taking these steps and applying them will make women a strong force in society, the household and the workplace. Through this process, you will realize that, indeed it is a complex relationship with money. However, you will grow and evolve to be more independent than ever. As much as it is essential to be financially independent, it is equally essential to be emotionally independent. Investing through an SIP in mutual funds schemes is similar to shopping. One of the biggest difference is you get quantified returns instead of qualitative returns. The joy and freedom of being financially empowered are inexplicable. Keep in mind while investing in Mutual funds and your journey with financial planning, you are getting what you need. The important step is to stay invested for a longer tenure.

What is XIRR and how is it used?

We use CAGR when we gauge the mutual funds’ performance. When you gauge the value of your investments, you use XIRR. So if you are doing an SIP every month you will require XIRR to evaluate what money you have made.

How to calculate XIRR?

To calculate XIRR, you will require three essential attributes. Date, Cash Flow and Portfolio Value.

XIRR can be easily calculated using Microsoft Excel. Excel provides an inbuilt function to calculate XIRR.

XIRR formula in excel is:= XIRR (value, dates, guess)

This, will give you your own XIRR. Your money management abilities – adding & withdrawal of investments – are then going to be calculated through your XIRR.

You can use XIRR over time and check how your investments have fared.

Limitations of XIRR

XIRR has certain limitations as it overemphasizes cash flows. For instance, your cash flows may not match the market momentum. If you happen to invest in the month when the market is at low and by the end its peak, then your XIRR will be marginal. Your XIRR will be overshadowed because you added money when the market was high, thus receiving lesser units.

Thus, XIRR is your asset allocation or cash-flow based return. You might need it to see how well your investment has performed.

Two Reasons Why You Need Sharepoint Consultants To Best Understand How The Microsoft Project Works

Microsoft Project is a project management software program developed by Microsoft to help companies in:
- Developing plans
- Assigning tasks
- Overseeing the budget
- Managing resources
- Tracking the progress of the whole project in a better manner

Its newest version, Microsoft Project 2010, comes with a synchronisation option with Microsoft SharePoint – a fact that has pleased a lot of project managers all over the world. The combined power of Microsoft Project’s powerful servers and capacities and SharePoint’s project management functionality – can be instrumental in making significant progress in all the companies that rely on these software applications.

Companies that have been using MS Project 2007 and are not very familiar with the way the new MS Project works can have the assistance they need from SharePoint consultants. These professionals can help walk you through the process of using Microsoft Project and ensure that you get the most out of it.

If you’re hesitant about hiring SharePoint consultants to help you deal with MS Project, the following reasons may convince you of the wisdom and logic of that action:

1. MS Project 2010 is built on SharePoint 2010. The new Microsoft Project is built on SharePoint 2010, unlike its earlier version. This means that a full SharePoint installation is necessary to enjoy the full benefits of this software program’s updated version. Thinking you’ll just wing it and see if you’re going to be comprehending SharePoint without technical assistance is just too much of a bargain, and a losing one.

SharePoint consultants can easily set up the process for you, and eliminate the hassles that you may be facing – if you choose to take on your company’s initial SharePoint installation by yourself. Though hiring SharePoint consultants would naturally be not cost-free, it can ultimately turn out to be the more cost-effective action. Choosing to deal with SharePoint installation without proper knowledge and training can easily be a disaster, waiting to happen.

2. They can train your staff. The addition of more technical skills that your staff can learn – can only mean good things for your company. SharePoint and Project’s integration is already paving the way to a new future for project management. Being in the know would give your company the edge it needs to make sure that it stays ahead of the competition. SharePoint consultants would be able to give your staff a course on understanding and using Microsoft SharePoint.

They can be instrumental to the delivery of better results. Microsoft Project 2010 is getting quite a pleasant reception from the whole industry. And, SharePoint consultants can help you see easily why. They can share their competence and expertise with your company, and help you manage projects and tasks better.

Thankfully, there are plenty of companies today that house a very good team of SharePoint consultants. A few minutes spent on the Web for research would help you identify these companies, and taking the time to look into each SharePoint consultancy prospect more carefully would guarantee that you would truly be getting your money’s worth.

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