mutual fund is an investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund’s capital and attempt to produce capital gains and income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment.No matter what type of investor you are, there is bound to be a mutual fund that fits your taste.It’s important to understand that each mutual fund has different risk and reward profiles. In general, the higher the potential return, the higher the risk of potential loss. Although some funds are less risky than others, all funds have some level of risk – it’s never possible to diversify away all risk – even with so-called money market funds. This is a fact for all investments.
n the world of technology driven human force, no one can deny the growing influence of online shopping. You can get the products you want delivered to your doorstep without even stepping out. We are also free from the hassles of closed stores, non-availability of the product and higher price. We can purchase almost everything online through the various e-commerce sites by paying with the debit/credit card or even cash on delivery. On going through this process, we don’t tend to spend much time thinking about the idea of ‘savings’. Hence, I would like to share with you guys some of the tips and tricks to save money when shopping online in India.
1. Product samples
Nowadays, companies like P&G (Procter and Gamble) and HUL (Hindustan Unilever Limited) have their own corresponding sites to giveaway samples for free and exclusive rewards to its members. It includes shampoos, toothpaste, soaps, other beauty and fitness related products. It is easy to get these samples for free, all you have to do is:-
a) Log onto rewardme.in (P&G initiative) and then register your details with the address where you want the samples to be delivered.
b) Then verify your email id.
c) Select the samples to add it into the basket and checkout.
b) Then verify your email id.
c) Select the samples to add it into the basket and checkout.
The samples will be delivered to you in 3 weeks for free. The process can also be repeated with different email ids and mobile numbers, if you require some more samples. Currently smartpick.co.in (HUL initiative) is under maintenance. This whole idea is just like the old times, where in a salesman used to visit door to door and give free samples also demonstration of the product and persuade us to buy that commodity. But these companies look to ensure in bringing new customer experiences by giving free samples and creating a taste for their products.
The site through which you usually shop may quote a higher price for a product, wherein the same product will be offered at a cheaper price in another site if a comparison is made. When you search the product name on Google, you will find different shopping sites where you can buy the product from. There are also many websites available which compares the price of an item on different online shopping websites. A few of the popular price comparison sites are pricedekho.com, mysmartprice.com and compareraja.in. These sites will help you identify the best price for the product you intend to buy.
