Fund of Funds: How does it work

The meaning of a fund of funds (FOF) is a type of Mutual Fund scheme that invests in other mutual fund schemes. The fund of funds aims to achieve diversification and appropriate asset mix in a variety of fund categories. Fund of Funds comprises a mutual fund scheme with different underlying schemes of other funds. Fund of Funds has several benefits. Let us understand them in detail:

Professional Fund Management:
Investing in a Fund of Funds gives the investor professional fund management. Out of the 44 registered mutual fund companies in India, it becomes cumbersome to pick a fund that would cater to the diverse needs of investors. In a Fund of Funds, the fund manager picks the mutual fund that is in tandem with the investment mandate.

Less exposure to market volatility:
When you invest in Fund of Funds, a lot of research goes into managing the scheme and fund managers generally ensures that that there is no overlapping of underlying portfolios across multiple mutual funds.

Low Minimum Investment:
Fund of Funds offers the opportunity to invest in some of the top-performing mutual funds even with a limited investment budget. Also, when the fund manager rebalances fund of funds between equity and debt, the investor won’t have to pay any capital gains tax.

Indexation benefit:
Inflation is reducing the purchasing power of our money. Fund of Funds taxation comes with indexation benefits. Indexation is used to adjust the purchase price of an investment to reflect the effect of inflation on it. Long term capital gain from Fund of Funds are subject to indexation, and indexation lowers the long-term capital gains tax which brings down investor’s taxable income.

Ease of investment:
Instead of directly investing in mutual funds, investing in Fund of Funds becomes a hassle-free and convenient option for investors. Thus, an investor would not be required to track multiple portfolios and would instead just have to manage a single mutual fund.

While Fund of Funds is one way to go about building your portfolio. Those preferring a hands-on approach can look at shortlisting mutual funds through a host of quantitative and qualitative parameters. Quantitative parameters could include looking at the fund performance across market cycles, the consistency of the fund performance, the potential to provide risk-adjusted returns over the long term, etc. Qualitative parameters could include the quality of fund management, the fund manager’s philosophy, investment processes followed, etc.

Thus, Fund of Funds seeks to diversify the risk across different asset classes and optimize returns. If you are a first-time investor and want the flexibility of diversifying your investments with a minimum investment budget with limited risk, then you could consider investing in a fund of funds.

Disclaimer: The views expressed here in this Article / Video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The Article / Video has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of the Article / Video should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments. None of the Quantum Advisors, Quantum AMC, Quantum Trustee or Quantum Mutual Fund, their Affiliates or Representative shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary losses or damages including lost profits arising in any way on account of any action taken basis the data / information / views provided in the Article / video.

How Does SIP in Mutual Funds Help in Wealth Creation?

The meaning of an SIP is that it is a mode of investment in mutual funds, wherein the investor puts in a fixed amount of money every month, similar to a recurring deposit. The meaning of an SIP is in its full form; Systematic Investment Plan. An SIP allows the investor to buy units on a specific date every month. The investor decides the amount that he wants to invest in the mutual fund scheme.

The meaning of investing in an SIP in mutual funds is that it comes with diversification benefits which help during market ups & downs. It also frees the investor from timing the markets. l. An SIP brings with it rupee cost averaging, which means investors can get more units when the prices are low, and less number of units when the prices are higher. An SIP enforces the habit of disciplined investing, allowing the investor to invest a fixed amount each month.

It gives the opportunity for high risk with the potential for high reward. Retail investors’ interest in mutual fund SIPs has gone up, inflows into equity mutual fund schemes surged to a record high in July, a 350% jump from June as per data from AMFI.1.

Mutual funds are generally a preferred option for investors looking to invest for the first time. This is primarily due to the diversification it offers as well as professionally fund management. It is one of the most convenient ways of investing as investors get to decide the amount and the frequency. In addition, SIP helps the investor with benefit of compounding over time.

The SIP approach helps investors decide where to invest, how much to invest and when to start, pause or cancel an SIP. However, investing is a long-term game and one redeems to achieve one’s goals and not as a knee-jerk reaction to the market ups & downs. The secret to creating wealth from mutual funds is regular tracking of the risk-reward tradeoff in investments.

To choose to invest in which type of Mutual fund for SIP investment depends on the investor needs. At the end, the investor’s needs to assess whether their financial goals are met with minimal exposure to risks. Therefore, one needs closely monitor the weights allocated towards the portfolio.

Disclaimer: The views expressed here in this Article / Video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The Article / Video has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of the Article / Video should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments. None of the Quantum Advisors, Quantum AMC, Quantum Trustee or Quantum Mutual Fund, their Affiliates or Representative shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary losses or damages including lost profits arising in any way on account of any action taken basis the data / information / views provided in the Article / video.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

How to decide between White Label and Private Label Teeth Whitening Products?

Starting a new business can be an arduous task, especially when you are in the competitive world of teeth whitening. Although the market is lucrative and rewarding for new business owners, there is widespread competition, and you have to work hard towards building a loyal base of customers. With large-scale production costs, a wide range of niche products and growing consumer preferences, it is essential to explore different ways of building a teeth whitening business.

Modern Solutions for a Successful Business in the Teeth Whitening Industry

Did you know you can provide a premium range of cosmetic dentistry products to your customers and clients without investing a large amount of money in setting up a manufacturing facility? Also, there is no need to become a reseller for big brands that often compel small businesses to purchase tons of inventory. Instead, you can become a brand of your own.

Modern business solutions ensure a low threshold for new businesses and startups. You can now outsource the production process to experienced manufacturers and focus on sales and marketing. Thus, eliminating the need for large scale investments. Here’s how you can do it.

1. Private Label Teeth Whitening Products

If you opt for private label products for your teeth whitening business, the manufacturer will produce products under your brand name. The benefit of choosing a private label is that you can customize every aspect of the product. From ingredients, product formulation, manufacturing process to branding and packaging, you can ask the manufacturer to follow your instructions. Depending on your contract, they will ship the products to your warehousing facilities or provide drop-shipping service.

2. White Label Teeth Whitening Products

When you choose white label teeth whitening products, you must provide your brand logo and other packaging details to the manufacturer. Because they are experts in manufacturing teeth whitening products, they manufacture the same products for different brands, and the only differentiating factor is the product packaging. When you do not possess the technical know-how of ingredients and product formulation, you can opt for white label teeth whitening products and establish your brand with the help of an experienced manufacturer.

What is the More Suitable Solution for your Business?

When choosing between private label and white label teeth whitening products, the decision depends on your preferences, budget, and business goals. Here are a few ways in which you can decide between the two choices:

1. What is your Business Goal?

Did you know Amazon has many private label businesses and white label sellers on the platform? If you want to introduce your products as quickly as possible, choose white label products. For example, the Clean White Wireless Teeth Whitening Light is a good option for white labelling. As the manufacturer does not have to change the manufacturing process, they can add your logo to the packaging and ship the order quickly. The process becomes even faster if you choose the teeth whitening light without any branding.

2. Do you want to sell a Niche Product?

When you are interested in creating a niche product, unlike other available options, choose a private label product. You may consider the private label a costly option, but you can make it affordable. Seek estimates and quotations from teeth whitening products manufacturers. Usually, when you place an order for large quantities, you can maintain economies of scale and still market a unique product to your customers.

You can also choose a combination of both options to optimize your investment. For example, if your clients include dentists, dental hygienists and DSOs who require in-office LED whitening lights, you can select the white label option. The LED whitening lights at the clinics do not have any custom specifications and all medical professionals use similar equipment.

On the other hand, if you sell your products to end-users, you can opt for a private label and customize your teeth whitening kit. You can even discuss your labelling requirements for teeth whitening pens and syringes. It will help you to customize the teeth whitening gel, container sizes and even branding options.

To summarize…

Choose Private Label Products when:

a) You have the expertise to manufacture the product and have a proven formula ready.

b) Your product is superior to the available options in the market.

c) You do not have a large-scale manufacturing facility for your products.

d) You are willing to spend additional money on customization.

Choose White Label Products when:

a) You want to take advantage of the booming teeth whitening market and introduce your brand quickly.

b) You do not have the expertise to create effective cosmetic dentistry products.

c) You have an efficient sales and marketing team but no manufacturing facility.

d) The available white label product options satisfy your requirements.

Make Smart Business Decisions

When starting any business, the prospects seem lucrative, especially if it is a booming one such as teeth whitening. However, make smarter business decisions to guarantee your success. Spend time understanding your expertise, budget and goals to make the right decision.

Whether you choose the private label option or prefer white label teeth whitening products, you need the support of an experienced manufacturer to start and sustain your business. Choosing the right teeth whitening products manufacturer will help you in understanding the market and ensure the growth of your brand.

Consulting Via Social Media

Selling consulting services is very appropriate to Many social media sites since you are first selling based on how you appeal to someone’s identity. They will figure out whether you are attractive based on the image you project, and this makes selling consulting services much easier on Many social media sites than products and services. There are even applications like Ether that can make telephone consulting easy to track and bill.

Don’t limit your consulting services just to one area. You can build multiple streams of income by offering various consulting services. The only thing to remember is that your income will be limited by the number of hours in the day. If you are selling personal services, you will have a hard time increasing your income unless you increase your rate or find some way to offer those services electronically via pre-packaged tutorials and courses that don’t require your presence when they are being viewed. Or, you can hire other people to work for you, through sub-contracting, as long as you are honest with your buyers that you aren’t doing all of the consulting services. This can detract from your commerce model if you don’t train people to be the type of consultants you trust to carry your name and reputation.

On the other hand, if you can train people and have a good way to check the quality of your consultants, then you can build a very profitable commerce in a short amount of time using other people’s time to increase your bottom line. Then, your role becomes more of a marketer and less of a consultant.

Small Business Startup Consultants

Starting a business of your own can be daunting, but there are always ways of getting help for yourself from small business startup consultants. It is actually while starting up your own business, big or small, that you realize that you need some professional help to not only guide you along the way but also to give you professional advice on a host of other things.

o Starting a small business or a home based business can be an exciting prospect until you come to the sobering realization that you’re expected to know everything.
o Know the pitfalls and avoid them. Work smarter and harder only the latter will get you no where.
o Research the competition to ensure your business image and services can be stacked up accordingly.

These consultant firms often apply their greater business ideas and resources as well as experience to give the small business owner a unique edge. The relationship hence grows from becoming a short-term small business adviser to a long-term consultant partner.

o Since you spend so much time working at your business that you don’t have the time or the energy to learn how to work on your business. That’s where a business consultant can help you.
o You need some one whom you can trust as well as be able to give you unbiased professional advice.
o Business consultants show you how to start a small business the right way and avoid critical mistakes that almost every new business owner makes.

Some of the immediate effects of small business startup consultants that we see around us are abundant, those like providing support for your computer systems in the long run, saving you time and money by increasing the longevity of your systems apart from saving the time of your other personnel, it also helps in reducing the cost of running an IT operations. In the areas of Internet business, small business startup consultants help provide you with specialized knowledge of diverting higher traffic towards your web site.

o The best method of improving your ranking in the search engines is by applying the methods of search engine optimization to your website.
o A good website design needs to be easy for human visitors to understand; moreover it should also be intelligible for the search engine robots that visit your site.

You could actually make a jump start ahead of your closest competitors, while even competing with larger corporations, which have on-site support staff, you also have the freedom to divert your staff to the actual work they are skilled to do while others look after things that need not be done by the core group. Apart from that you gain the expertise of business specialists, wherever and whenever you need it, without the cost of additional staff.

o The business consultant helps you with behind the scenes matters, too. From presentations, proposals, and office forms to contracts, certifications, etc. So that you outdo the competition, attract new customers, and project an image of confidence.
o Efficient operations, professional design, consistent communication, effective marketing, and improved revenue opportunities are some of the tailored made benefits to your small business.

Contrary to opinions which warn you about cost control, the presence of a small business consultant can actually help you increase your productivity and let you enjoy what you like doing the best. Putting together a winning combination of management consulting and a self-devised entrepreneurial outlook, the small business startup consultants can be your X factor in this widely competitive field.

Computer Consulting As A Small Business – How You Can Grow Your Profits

Are you in an administrative position of a small computer consulting organization or have your own company for consulting as a small business? Do you have troubles increasing the profit of your company?

In this situation you should focus on the bottom line, and find out the way to increase the profit of your company, consulting as a small business.

Follow these ten simple tips and see your profit grow:

1. Be aware of your firm’s goals – When you recognize the goals of your firm, you will automatically put your efforts in to attaining those goals.

2. Stay motivated – Do not let low profit or no profit bring you down. Stay motivated for motivation will give you the strength and determination to strive on. Show your present clients as well as potential clients that your firm has what it takes to be one of the best computer consulting firms in town.

3. Avoid the originating of problems – At first it may seem simple; but while focusing on your computer consulting profits, many computer consulting companies fail to focus on the business section. Profits are important but it is more important to take your business as a business. When you start taking your business seriously, you will not have problems and this in turn will help you increase the profit of the firm.

4. Show dedication and expect positive results – To increase the growth of your organization you should be dedicated to your job and determined to get back a positive result. So you have to work hard to convince clients and you must focus on long term customer relationships and not just one transaction. Always keep in mind that your projected or newly implemented computer consulting technology firm isn’t a single agreement. Great stamina and firmness is required for this long term planning and many business owners doing computer consulting as a small business do not have it.

5. Good communication skills – In every business, it is important that you have excellent communication skills. This will help you gain and retain your clients and thus will increase the profit of your firm.

6. Put yourself in your clients’ position – Showing empathy is very important. When you put yourself in your clients’ position, you would know what they are expecting from you and as such, you would try and give them your best.

7. Talk to your clients – Communicating with your clients regarding the problems they are facing would help them as well as your computer consulting business. Sum up and discuss all information with your customers. You should focus on one major goal that is whether this new proposal or device includes money to your clients’ present or future system. You should explain all information in a simple way that even a non-technical client can easily understand.

8. Focus on your clients’ needs – The needs of your business and the needs of your client’s IT department may not often tally, resulting in less profit. This generally happens when business owners devote much more time to technology rather than the sales and marketing parts of consulting as a small business.

9. Ask for referrals – You can ask you present clients to refer your firm to people they know. In fact, you can talk about your firm whenever you are in any social functions. This way you would be able to gain new clients.

10. Average fee – Do not charge a huge sum for the services you provide. The fees you charge should be reasonably priced. If you charge high fees then you would be driving clients away from your business.

How a Real Estate Marketing Consultant Can Get Your Listings Sold Fast in Today’s Market

How a Real Estate Marketing Consultant Can Turn Your Real Estate Business Around Overnight

A real estate marketing consultant is one who can assist you with presenting your property in the best way. It can be a stiff market out there sometimes so having an edge over the competition is important. You don’t want your listing to sit there any longer than it has to. If you need to sell it in a hurry then you need more than just luck on your side. With real estate marketing consulting, it isn’t just the best homes and businesses that are being sold. Instead it is those that get noticed by people looking for such property to purchase.

You will notice this approach isn’t the standard one size fits all. Instead the consulting will involve your personal needed being looked at. All of the elements of the property will also be covered. Then key points will be made from what you have to offer. All of the information will be accurate. However, it will also be provided in a format that people will find to be very appealing.

There is no shortage of individuals out there looking for property in any given location. The fact that so much of it is buried though means they won’t see it. With effective real estate marketing consulting though you can learn the right forms of marketing to use. That is what will get your listing noticed by more people and thus result in it selling faster than you ever imagined.

What Should You Look For?

You need to do your homework though before you hire a real estate marketing consultant. You want to make sure you are getting someone that knows what they are doing.

What I usually do is provide a free consultation with exceptional information that the realtor or broker can use right away that gets results. Others will offer you specific forms of marketing but nothing beyond that. This will likely be less expensive but you have no guarantee that you will get results.

There are many variables to consider so don’t rush into it. Still, real estate marketing consulting does seem to be very effective. The key is to be upfront about what you are looking for. You also need to search for the right person to work with in order to make it all come together with an outcome you are happy with.

It the current market condition you need a competitive advantage to get your listings to stand out, get sold fast and the ability to attract more buyers that you can continue to market to for free.

To turn current market conditions to your advantage read the following below for a complete real estate business turn around.

Retail Consultant – Who Needs One?

Let me start this article by saying that I am, and I am proud to be, a retail consultant. Retail consultants kind of get a bad wrap in a lot of conversations and understandably so. Many of those in the business hang their shingles with minimal amounts of experience and therefore its easy to see how the stereotype develops. The president of a company that I consult with on a regular basis said it like this: “They call me, imply that they know more about my business than I do and then start throwing grandiose promises of additional sales and margin improvement.”

Okay, first things first. If any consultant implies that he knows more about your business than you do, by all means, kick him to the curb. If she promises that she can deliver instant sales and margin improvement, think twice about using her. But in this day and age of ultra-competitive business arenas it does make sense to hire an outside perspective occasionally.

When considering a consultant check their experience. Does their area of expertise dovetail with your current or proposed business interests? For example, my background is in the variety, hardware and home center businesses, I would probably not be the proper choice to pick for a jewelry store consult. Of course, many aspects of retail and customer service remain constant from business to business but its just common sense to hire someone who’s “been there”.

A good consultant can help you look at old things in new ways. The changes that occur from my interactions with retailers are usually small things. But that’s the point. Small things, when blended into the bigger picture, make huge differences. Chances are, if you’re currently a successful retailer, you are doing the big things okay…you have to be or you wouldn’t be profitable. You probably wouldn’t still be in business. But imagine taking your retail operation to a new and higher level and it should get your juices flowing to consider at least having conversations with someone who could help.

Retail consultant, who needs one? Well even the best stores can benefit, who knows, maybe even one as good as yours.

Philip H. Mitchell is the author of Discovery-Based Retail. His book has been endorsed by Scott Wright of the North American Retail Hardware Association, Art Brown of the Mid-American Lumberman’s’ association and other industry experts. Philip is also one of the founding partners of a retail consulting company of the same name, Discovery-Based Retail. His company works with retailers, both small and large, helping them enhance their profitability by improving their customer interface. Their company also specializes in improving the production of the entire sales space and designs floorplans to accomplish this.

Process Consulting – How to Start a Career in Process Consulting

Do you have what it takes to help organizations enhance their group effectiveness and address conflict to increase efficiency and productivity? Then, a career in process consulting might just fit you right. Here’s how you can get started:

1. Read and learn. Before you sink your teeth into this endeavor, it would work to your advantage if you can do your research and obtain more information. You need to know what your potential clients expect to get from you and basically, how you can perform your job better. Right now, there are few informative articles and blogs in the World Wide Web that can help you out. However, if you are looking for the fastest way to learn the ropes of process consulting, I recommend that you sign up to those coaching training programs that are being offered by industry leaders and those who have already excelled in this field. These trainings will provide you with no nonsense approach and will provide you with all the information you need in as little as 2 months so you’ll get started on the right foot.

2. Develop certain skills. Just like with other fields of consulting, you must also enhance your communication, analytical, problem-solving and people skills to increase your chances of succeeding in this endeavor. You must also have a truck load of patience, determination, and perseverance.

3. Define your responsibilities. As a process consultant, your primary job is to help a certain team work together more effectively. You’ll be asked to attend their meetings. You will be expected to observe the whole team work together and you are not allowed to join their discussion even if you have in-depth knowledge about the topic. You’ll come in when there is conflict or when team members are having a hard time reaching a decision.

4. Advertise yourself and your consulting services. If you are 100% sure that you are ready to take in clients then, advertise your consulting services using mediums that can help you reach out to your target market. If you are operating offline, you can post ads on TV, radio, local magazines, and newspaper. However, if you are offering your services online, you can use search engine marketing, forum posting, article marketing, social media marketing, video marketing, blogging, and ezine publishing. The key here is knowing the online behavior of your prospects to easily figure out the best marketing tools to use.

Selling Consultancy – How to Profit From Consultancy

Consulting is one of those jobs which actually do not require immense commitments and knowledge. It is one of those businesses that need your expertise and knowledge about information. Consulting actually is a stress free consultancy which involves you advising your neighborhood or your friends, family or town about various issues, practices and processes. The word consultancy is a general term which stands for advising on various types of practices, processes and needs. Consultancy selling is actually this process of advising people for a fee.

Selling services could feature various subjects; these could be home safety or traveling, epidemics, how to start up a business, saving money, banking and other services. These are very profitable practices which will really impress you and help you make top dollars.
There are three major ways through which you can increase your outreach and your clientele. Below are these key strategies;

Make brochures and business cards. Have these distributed around town and your neighborhood. These should tell away about everything that you advice on, and how to respond to these things you advice on. The brochure should be able to outline your services, the cost and also the benefits

Make yourself the man. Let families and other people count on you as their number one contact so that you can assist them with quick answers to their problems and queries.

Launch a website and great contacts. Your website will market you and your services. Have a number of very important contacts in the business field as well as other key areas like the medical field, hospitals and police stations. Also have links with local and senior consultants and other professionals who you can always refer your clients to. This will make you a very reliable person and you will be earning top dollars from you consultancy practice.

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