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What Are Debt Funds & How do they Work?

Debt Funds or Debt Mutual Funds primarily invest the money in fixed-income securities like government securities, debentures, corporate bonds and other money-market instruments. These funds lower their risk by investing in such avenues. They have relatively low volatility and generate risk adjusted returns over time.

How do Debt Funds Work?

These funds invest in instruments such as Bonds and fixed income securities to generate returns for the investors. These funds buy these instruments and earn interest on the money. The yield that the investors receive is based on this.

The portfolio of debt funds needs to have specific maturity ranges. For example, a liquid fund can buy only securities which have maturities of upto 91 days. They do not offer assured or fixed returns, unlike FDs. Their returns can fluctuate. A rise in interest rate positively impacts on the interest income but negative impact on the bond or instrument price. And it’s the other way round when the interest rates fall.

What are different types of debt funds?

Liquid Funds:
This category of funds are considered the least risky among the mutual funds. As the name suggests, they are highly liquid. The portfolio of this fund comprises instruments that have a maturity period of not more than 91 days.

Dynamic Bond Funds
In this fund, the fund manager changes the maturity of the portfolio depending upon the forecast of the interest rates. If the forecast indicates a rising interest rate, then the maturity will be longer. If the forecast is indicating a falling interest rate, then the maturity will be a shorter duration.

Short / Medium / Long Term funds
Short term Funds come with a maturity period of 1 to 3 years. The portfolio in these funds are structured such that their prices are not much impacted by the change in interest rate movements.

Medium Term debt funds have a maturity period of upto 3 to 5 years, and long-term debt funds have maturity beyond 5 years. These are riskier than short-term as their tenure is longer; hence more significant is the impact of the interest rate on the portfolio, which is also known as interest rate risk or duration risk.

Fixed Maturity Plans
These schemes are closed-ended schemes. But can be traded on stock exchange where they are listed.

Debt funds are ideal for investors seeking moderate risk as the risk of investing in debt mutual funds is generally lower than in equity mutual funds. Debt funds can be the right choice for anyone having a lower appetite for risk. You can invest in a debt fund if you have a surplus fund or want to diversify your investment portfolio, or think of making an emergency fund. Debt funds can also diversify the overall portfolio risk if your allocation towards the equities are on a higher side.

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Ensure maximum business benefits by developing On-Demand Mobile App

Everyone is seeing that the mobile app industry is going through a revolutionary change, and no style is consistent here. However, of course, on-demand applications can be counted as an exception. The growth of on-demand services inspired many entrepreneurs and formed the foundation for many successful start-ups around the world. According to research, on-demand apps are being used by approximately 82 million Americans, with about 45 million Americans providing on-demand services.

It is right to say that on-demand apps cater to a wide range of customers as well as their needs. In the era of technology, users are eager to suit and ensure their lives; from this point of view, demand is an optimistic plan.

The most important aspect, which goes in support of the on-demand application and makes it exceptionally acclaimed, is the fact that it focuses on solving a simple difficulty associated with everyday life. Certainly, on-demand applications are a benefit for users and entrepreneurs. Therefore, there should be no hesitation in planning an investment in such a large property.

Merits of On-Demand App for the business:

Business process automation:

Those days are gone when enterprise owners, as well as retailers, record in files and sheets to manage every data. As on-demand applications digitalize the entire process, there is no requirement for you to maintain manual information. With the introduction of DMS (Delivery Management System), you can easily computerize the flow of business and save a significant amount of time, as well as money.

Quick tracking of products and drivers:

On-demand applications help business owners track Geolocation, as well as drivers’ products and locations with GPS capability. They will identify the distance traveled by the driver and the approximate time to move the object.

Delivery route evaluation:

Android or iOS app developers know that on-demand applications are included with GPS; the easiest and shortest way you can tell drivers is when you left the products. You can prevent them from using busy roads and avoid traffic snow.

Proper inventory management:

As you must preserve the stock of goods, consequently, a well-organized type of administration is necessary. With the help of DMS, you can be familiar with which items are inadequate and which are not. You do not need to use a person to keep such records.

Better Customer Satisfaction Level:

Employees associated with the spread pattern of on-demand areas are sufficiently active with the same organization. According to reliable research, 70 percent of workers have disclosed their satisfaction with their job status, while 81 percent have revealed that they will work with similar trade in a subsequent year.

Increased security and scalability:

The increasing number of on-demand apps has increased the intensity of security and scalability. In the current scenario, mobile app development agencies, especially when executing payment gateways, are able to win the trust of customers due to enhanced security.

Summing up:

Change is the dominant environment of technology. As new trends are changing, we are offering innovative business as well as market-driven services. However, the ability of on-demand applications and financial systems to go large scale is enlightening. If you want to go ahead with on-demand mobile app development, get in touch with Panacea by emailing us at [email protected]. The team of app developers will help you achieve the best.

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Go Online for Shopping Your Favourite Stuff in India

Internet shopping is a panacea for the shopaholics. It is a medium that enables you to shop for almost anything from home. Whether you wish to buy beauty products, home décor stuff or want to book online gifts, it a medium that provides an easy access to the best products at competitive prices.

In terms of India, online shopping is still a growing concept. In the big cities like Delhi and Mumbai, the web-based portals are looked upon as a solution to manage the over-stretched schedules. In the smaller towns, Internet shopping is gaining recognition and popularity because it enables the masses to enjoy the latest, branded and designer goods that are otherwise not available in their province.

For instance, if someone in Meerut or Ajmer is interested in buying some furniture or other items for decorating the home of a brand in Delhi, the person can opt for home décor online shopping option and place the orders via Internet.

The recent researches show that while the people in metro cities are more inclined towards buying online gifts, grocery, books, CDs and daily use items, the web-users from two- tier and three-tier Indian cities are very much interested in designer apparels, latest home accessories, cosmetics and other beauty products as well as booking gifts and flowers.

Basically, people all over the country have shown immense interest in ordering things from the comfort of their home to enjoy free shipping and discounted deals as well. Yes, it is true that e-shopping has somewhat become more economical than it was in past decades. It is no more the cake of elite but a much more accessible, affordable and useful medium of buying products of all types.

With the online shopping boom in India, home decor online shopping or booking gifts online have now become so common. It is not at all an exaggeration to say that online shopping is slowly becoming a household word in the Indian homes after being very successful in the developed countries like the United States (US) and the United Kingdom (UK).It is neither a fashionable trend nor a buzzword but a convenient mode of acquiring all the required products at competitive rates.

Apart from the general use products, masses are very much inclined towards buying flowers and other gifting items of various occasions. Basically, in today’s busy life most of us find it hard to personally visit our loved ones on their special occasions. As such, the online booking and delivery of flowers, cakes, teddies, chocolates and other stuff comes like a wonderful alternative for expressing our thoughtfulness without any hassle.

The latest online megastores are no less than the topmost lifestyle stores in the market. They provide all the facilities like 24×7 customer service, 30 days return policy, 100% percent money back guarantee and in many cases some rewarding offers like free gifts with a kit or special occasional discounts.

Then you can also make use of the discount coupons or codes available on the deals sites to further cut down your online shopping India bills.

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