...Risk Perception towards Mutual Funds Services Nidhi Walia (Corresponding author) Lecturer, School of Management & Social Sciences, Thapar University Patiala, India E-mail: nwalia@thapar.edu Dr. Mrs. Ravi Kiran School of Management & Social Sciences, Thapar University Patiala, India E-mail: rkiran@thapar.edu Abstract Financial markets are constantly becoming more efficient by providing more promising solutions to the investors. Being a part of financial markets although mutual funds industry is responding very fast by understanding the dynamics of investor’s perception towards rewards, still they are continuously following this race in their endeavor to differentiate their products responding to sudden changes in the economy. Thus, it is high time to understand and analyze investor’s perception and expectations, and unveil some extremely valuable information to support financial decision making of mutual funds. Financial markets are becoming more exhaustive with financial products seeking new innovations and to some extent innovations are also visible in designing mutual funds portfolio but these changes need alignment in accordance with investor’s expectations. Thus, it has become imperative to study mutual funds from a different angle, i.e, to focus on investor’s expectations and uncover the unidentified parameters that account for their dissatisfaction. Present research proposes to identify critical gaps in the existing framework for mutual funds and further extend it to understand...
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...positive attitudes, emotions, and personalities along with the personal values of the individuals can increase the team’s satisfaction, motivation, and performance. The creation of a plan that has a positive influence on the team will be the cohesive that keeps the team together and assist them to rise above the trivial minutiae. This paper will show that business plan and how the plan will increase the team’s morale, contentment, and production. This paper will also show the specific differences in those elements and how these differences will have a positive influence on the team. Team Collaboration The collaboration of several diverse individuals as a team, especially in the business setting, and achieving the best results can often be challenging and taxing. The implementation of a positive influence plan, especially for teams that will be together for a long period, is beneficial, judicious, and wise. The plan will help produce satisfaction, high performance, and motivation for the team. The plan can help address the specific differences and how to manage those differences without taking away the advantages of the diversity. Each individual on the team brings strengths and weaknesses. If the management has this understanding, they can create a conducive workplace that promotes motivation, satisfaction, and improved performance (Robbins & Judge, 2011). Some of the specific differences that may affect team collaboration are: attitudes, emotions, values, and personalities of...
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...funds has not given any significant contribution for the mutual fund investor. Unfortunately many mutual fund investor have probably never heard about these research results or their implications. They have heard some rules of thumb guidelines from their brokers or peers about how to select a particular fund. The purpose of this present study is to identify the selection criteria, investors seem to use in selecting a mutual fund institution that suits the investors investment objective and also to identify the factors that are responsible for the selection of schemes floated by these organisations. Further it attempts to identify the reactions from the respondents' namely mutual fund unit holders of Mysore towards the performance of the different schemes. The researcher has employed interview schedule for the collection of data to elicit views of the Mutual Fund investors. Individuals from all walks of life have been showing increasing participation in the stock market, a place where one can see their money doubling in a period of time or disappearing depending on how they play the game. With the stupendous growth in the capital market, direct investment in the stock market has definitely become next to impossible. And yet investors undertake investments with minimal risks of the working of stock exchanges. But in order that investments prove profitable; investors need to have a fair knowledge of stock exchanges. Swift and timely decisions and...
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...sales team will be consisting of Jim Martin, Vice President of Sales, Tom Gonzalez, Sales Manager, and Outside Sales Representatives, Susan Burnt, Eric Borden, Ving Hsu, and Terry Garcia. Additionally, the next step is to create a training program for these employees. This training and mentoring program is designed to prepare the new team to carryout the objectives of the company. Furthermore, when creating a successful program, management must first identify the new training and mentoring needs, objectives of the program, performance standards, delivery methods, contents, time frames, evaluation methods, feedback, and alternate avenues for those who require further development. Assessing Needs and Objectives When selecting members for the new team, management focused on specific skill sets that would be significant to the success of the organizations new strategy. Notably, employees from both entities were evaluated and chosen because they presented high levels of proficiency in key areas such as communication, customer service, problem-solving, leadership, innovation, and critical thinking. Although members from either entity exhibit strong success skills, there seem to be some inconsistency. For example, members from InterClean have excellent sales strategies and are aggressive in meeting and exceeding sales goals. However,...
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...requires one to find the best investment avenue that will give them the best returns for their capital and is compatible with their financial objectives. According to Bogle (2010), investment strategy is the core issue that investors should consider. Long term investments are key to achieving optimal returns for investors. This paper aims to discuss two investment products that are popular among financial investors and seek to assist the reader to make a sound choice on which avenue to venture in. Mutual Funds Gitman, Joehnk, & Billingsley (2014) define a mutual fund as a financial service organization that receives money from shareholders and invests the money in various portfolios. Mutual funds and ETFs offer risk return opportunities that may not be obtained from purchasing stocks or bonds on your own (Gitman, Joehnk, & Billingsley, 2014, p. 491). Mutual funds offer a broad variety of investment opportunities that investors find appealing. They provide a simple and convenient avenue for investors- especially those investors with limited capital and beginners as stated by Gitman, Joehnk, & Billingsley (2014). Exchange Traded Funds Gitman, Joehnk, & Billingsley (2014) describe an Exchange Traded Fund (ETF) as a company whose shares trade on the stock exchanges but unlike mutual funds, their shares can be bought or sold throughout the day. ETFs are usually structured as an index that tracks or matches the performance of a certain segment of the industry. Special...
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...EQUITY DIVERSIFIED MUTUAL FUNDS V/s DIRECT EQUITY: A comparative study Submitted in Partial Fulfillment for the Degree of Bachelor of Business Studies By Akshat Jain (Roll No. – 08/BBS/7160 Batch: 2008-2011 ) To DEEN DAYAL UPADHYAYA COLLEGE University of Delhi Shivaji Marg, Karampura New Delhi-110015 | | | ACKNOWLEDGEMENT Encouragement motivates a person towards one’s aim while guidance helps one to achieve it. Both encouragement and guidance take one towards success in one’s works. It would be difficult and almost impossible to achieve excellence without the blessings of God above and of elders. I convey my heartfelt affection and accord my deep sense of gratitude to Dr. Deepa Kamra, Faculty Guide for inspiring guidance, constructive criticism, unlimited interest and innovative ideas throughout the pursue of this manuscript. Akshat Jain DECLARATION I Akshat Jain have completed the Summer Training Project titled “EQUITY DIVERSIFIED MUTUAL FUNDS V/S DIRECT EQUITY” under the guidance of Dr. Deepa Kamra in the partial fulfillment of the requirement for the award of degree of Bachelor of Business Studies from Deen Dayal Upadhyaya College, Delhi University. This is an original piece of work & I have neither copied and nor submitted it earlier elsewhere. Akshat Jain Certificate from Internal Guide ...
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...University of Phoenix Human Capital Management/531 Career Development Plan Part III – Performance and Career Management January 11, 2011 Career Development Plan Part III – Performance and Career Management InterCleans new strategic plan has gone in to affect and the growth of the business has created the need to preform appraisals for team members. The goal for InterClean is to retain top talent integrated with new members and growing a world class sales team. Part of building and retaining this team is to have a career management plan in action for the team members. Feedback is very important along with avenues for employees to achieve goals, reach promotions and educational goal along with providing dual career parents opportunities that other companies are not. There are different costs associated with this plan and it will be discovered how Interclean will approach this matter in more detail with how to adapt to the diversity of the newly developed team. Feedback To obtain a world class sales team training and feedback is necessary. The overall goal of this training is to ensure the sales team is fully up to speed on the services available through InterClean. The training will also educate the sales representatives on the OSHA standards and environmental regulations. While an employee is in training a large portion of the training will be while the employee is working. Feedback is one tool that will be necessary while employees are training so they can...
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...CHAPTER 5 THE FIVE GENERIC COMPETITIVE STRATEGIES - Which One to Employ? Copyright ®2012 The McGraw-Hill Companies, Inc. McGraw-Hill/Irwin 1. Understand what distinguishes each of the five generic strategies and why some of these strategies work better in certain kinds of industry and competitive conditions than in others. 2. Gain command of the major avenues for achieving a competitive advantage based on lower costs. 3. Learn the major avenues to a competitive advantage based on differentiating a company’s product or service offering from the offerings of rivals. 4. Recognize the attributes of a best-cost provider strategy and the way in which some firms use a hybrid strategy to go about building a competitive advantage and delivering superior value to customers. 5–2 Why Do Strategies Differ? Is the firm’s market target broad or narrow? Key factors that distinguish one strategy from another Is the competitive advantage pursued linked to low costs or product differentiation? 5–3 THE FIVE GENERIC COMPETITIVE STRATEGIES Low-Cost Provider Broad Differentiation Focused Low-Cost Focused Differentiation Best-Cost Provider Striving to achieve lower overall costs than rivals on products that attract a broad spectrum of buyers. Differentiating the firm’s product offering from rivals’ with attributes that appeal to a broad spectrum of buyers. Concentrating on a narrow price-sensitive buyer segment and on costs to offer a lower-priced product. Concentrating on a narrow buyer...
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...Minsk – the capital of Belarus. The city tour of Minsk Minsk – the capital of Belarus. The city tour around Minsk. Founded more than 900 years ago. Cathedral of the Holy Spirit and Sts. Peter and Paul Church, Trinity Suburb - an example of Minsk urban architecture of the previous century, Independence Square with its Government Building and Red Roman Catholic Church, Victory Square with its 38-m obelisk and the Eternal Flame commemorating the heroes of World War II, parks and modern architectural ensembles. Minsk is the city where one can find the best of the Belarusian cultural heritage museums and exhibitions, theatres, world-famous Belarusian ballet. Minsk: Sights and Shopping In spite of the fact that Minsk is Belarus' largest city and Europe's 12 largest city, it is surprisingly calm and charming. Minsk does not have the hectic, chaotic feeling of Rome, Paris or Budapest, cities that are only slightly larger. While Minsk is lively and fast paced, it does not overwhelm you. Streets and buildings are in good repair, the train station and metro stations are modern parks are well groomed and public buildings and shops are more or less contemporary. There are no obvious signs of poverty, such as homeless people living on streets or people asking for spare change. Neither Belarus nor Minsk have the "third world" feeling that many westerners are led to expect. Salaries are low, but cost of living is also low, so many locals have a reasonably good quality of life. Of course...
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...HOUSEKEEPING DEPARTMENT INTERVIEW QUESTIONS: 1. When can you start working? ___________________________________________________________________________________________________________________________________________________ 2. What are the key components of housekeeping? ___________________________________________________________________________________________________________________________________________________ 3. Are you good at multitasking? ___________________________________________________________________________________________________________________________________________________ 4. How would you handle a client who was angry or upset about something? ___________________________________________________________________________________________________________________________________________________ 5. How comfortable are you with chemical safety procedures? ___________________________________________________________________________________________________________________________________________________ 6. Can you give me some examples of health and safety procedures you have used? ___________________________________________________________________________________________________________________________________________________ 7. What types of procedure tracking systems have you used? ___________________________________________________________________________________________________________________________________________________ ...
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...School of Music Performance Series Autumn 2014 Greetings from the Director Ladies and Gentlemen! On behalf of The Ohio State University School of Music, I am thrilled to announce, as our gift to Central Ohio and musiclovers everywhere (I’ve been waiting to say this for months!), cue timpani roll … FREE ADMISSION TO SCHOOL OF MUSIC EVENTS FOR ACADEMIC YEAR 2014-2015 (With the exception of just a few premium concerts, noted throughout this brochure.) Our facility fund-raising New Day Initiative is well underway but there is no reason to wait for a new building, we’re making music now! We want you to come to a concert and find out why we are celebrating YOUR School of Music. Want to get involved? Join our new Patron Society. Learn about the possibilites at music.osu.edu. A few reminders: Musicology Lecture Series – We enjoy this series and want to spread the word. Not only will you hear fascinating speakers, but also you’ll have the opportunity to discuss their research with them. Parking on Campus – We recommend using the Ohio Union South Garage located a short distance south of our performance venues and accessible from both College Road and High Street. Find more information in the back of this brochure and at music.osu.edu. 22nd Annual Music Celebration Concert Friday, December 5, 2014 | 8 p.m. (see page 12 for additional information) I look forward to seeing you at these concerts, lectures and recitals. Be sure to stop backstage afterwards and introduce yourself...
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...Effects of Facebook to Student's Academic Performance In: People Effects of Facebook to Student's Academic Performance Calamba City Science High School Chipeco Avenue, Brgy. 3, Calamba City EFFECTS OF FACEBOOK TO ACADEMIC PERFORMANCE Ana Beatrice S. Del Rosario Hans Alfred B. Alib Allaina Marie A. Narvacan Ivan Kelly Gajes Jebril Czar Macanas Jhelsey Joyce E. Pareja Feb.14, 2014 TABLE OF CONTENTS Abstract ------------------------------------------------------1 Introduction --------------------------------------------------2 Statement of The Problem ---------------------------------2 Significance of the Study -----------------------------------3 Definition of Terms ------------------------------------------3 Scope and Delimitation-------------------------------------3 Conceptual Framework-------------------------------------4 The Related Literature------------------------------------5-6 History of facebook Purpose of Facebook Different effects of Facebook Methodology-------------------------------------------------- 7 Date Analysis,Presentation and Interpretation of Data--------------------------------8-12 Summary, Conclusion and Recommendation-----------------------------------13-14 Appendices-----------------------------------------14-18 ABSTRACT The study was about Facebook. Facebook is a social networking site in internet where you can post your feelings, chat with friends, etc. Facebook...
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...unique products such as: iPhones, iPads, MacBooks, iPods, iCloud, and certain operating software. Apple Inc. was founded in April 1, 1976 by Steve Jobs, Steve Woznaik, and Ronald Wayne. According to the CNN Money website, Apple has about 453 retail stores and 92,600 employees in 16 different countries as of March 2015. Furthermore, Apple’s stocks are publically traded in the NASDAQ stock exchange market. The MacRumor website states that the value of Apple’s stock prices continues to rise competing with other fortune 500 companies like Exxon Mobil, Google, Wells Fargo, and General Electric. As of July 24th, 2015 at 4:08 PM EDT, Apple’s stock price closed at a value of $124.50. The company uses its core competencies which is brand power and high sales volume (Revenue of $182,795 million in the first quarter of 2015) to achieve a sustainable competitive advantage in the business market (Fortune 500, 2015). However, as Apple continues to grow and expands its product line and entry into new markets, the company has to guard against stiff competition from companies like Google and Samsung. Apple is committed towards providing the best computing experience to its customers through its unique ability to design and develop operating systems, application software, and hardware peripherals that soothe their taste. Therefore, it is apparent that Apple is a company that is highly valued in the business market because of the success of its technological products and the size of its income revenues...
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...demographics to an older population as well as Japanese students requirement to wear uniforms, resulting in fewer days to wear jeans (David, et al). The Japanese fashion market focus is based primarily on trends and views jeans as a fashion statement, not as an everyday component of their wardrobe. In comparison to the United States, the Japanese market differs completely in their view of functionality of jeans – jeans are part of the Americans basic everyday wear, however Japan views jeans as a high-end fashion statement. Recommendations In order to increase LSJ’s market share is to utilize the available channels of distribution LSJ has access. LSJ needs to regain its prominence as a high quality jeans manufacturer to different market segments, LSJ needs to diversity its product line in the jean market and attract additional market segments. In order to combat the high school uniform mandate, LSJ should incorporate a cost effective uniform in their line by working with the high schools to either develop an LSJ uniform or incorporate one of their existing brands into their program. Once additional threat that should be addressed, is the growing number of competitors LSJ faces Big John, Edwin, Wrangler Japan, and Bobson (David, et al). Analysis...
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...Product Data Management System ( PDM ) consisting of engineering data management and engineering document management system is vital for the performance of an EPCI ( Engineering, Procurement, Construction and Installation ) contractor in Oil & Gas upstream projects segment. PDM is used by all functions in managing the projects execution as well as during life cycle of the asset for operation and maintenance. Currently engineering data and documents are produced and managed though many different IT platforms and systems. Due to multiple cycle of information production by different functions, this process is inefficient, high cost and prone to errors. Recent technological innovation provides a common database foundation which is accessible for data and document generation, updating and sharing between different functions. This innovation provides a high quality, lower cost and faster response to project requirements. This application is relevant to all engineering turnkey projects whether in Oil & Gas or other sectors. Integration of centralized PDM foundation database in the work process and Implementing in on the projects is leading to Innovation and positively impacting the project performance. PDM stores all data related to project that is generated and used during design, procurement, fabrication, installation and commissioning followed by operation and maintenance of the asset. Much of the data in PDM comes from sources such as Computer Aided Design ( CAD ) and...
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