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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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Choosing the Best Pain Relief Spray for Painful Muscles and Joints

The number of people dealing with painful muscles and joints is increasing day by day and so it the level of popularity of the joint pain relief spray. While the market is full of the best products that claim to be the most effective for you to get rid of the pain, let’s learn how to put a finger on the right product.

These sprays are used for multiple muscle and joint issues such as pain or swelling. One factor that can help you pick the best product is harsh chemicals. You need to make sure the product you choose does not have any harsh products and is all natural in its ingredients list. Usually you can choose between a spray or roll on form. The odor and the greasiness of the product are other things to keep in mind. When looking for the best pain reliever for muscle pain or joint pain, it is important to have your focus on the key ingredients. You could at least check on the 2 main ingredients used for their anti-inflammatory properties and pain relieving abilities. Remember, MSM should always be a part of the ingredients in your pain relief spray as it is a naturally occurring sulfur compound that contributes in the formation of muscles, hair, nails and skin and builds health cells in the body. Did you know? MSM has the ability to relieve pain without any serious side effects because it is not a drug, it is a nutritional supplement. It is known to stop pain transmission along nerve pathways while resulting in an analgesic effect. Plus, it can lessen inflammation and muscle spasm while increasing blood supply as well as softening scar tissue.

Another common ingredient in every pain relief spray is Boswellia – known for its analgesic and anti-arthritis effects. It plays a major role in assisting in soothing the joints aiding their movement and rotation. Boswellia is absolutely great for pain, musculoskeletal problems, arthritis, backache, stiff joints and joint inflammation. A number of problems like tendon strains or tendinitis, muscular sprains, muscle soreness and arthritis often tend to respond well to pain relief spray. However, if the pain goes out of control, there’s nothing else you can do other than seeking proper medical assistance. This pain also occurs when you do not warm up properly before your exercise. This too can be treated by a pain relief spray. Other niggling injuries that are hampering your range of hobbies or exercise workouts are also absolutely treatable.

Most of the pain relief sprays are of great help for a number of muscular and joint aches and pains. From a sore muscle that is the result of overworking or a bit of tendinitis that is caused due to a sporting injury, there’s nothing that cannot be healed. All you got to do is be sure to look for a natural product whose key pain relieving ingredients are 100% effective. This way you will be sure that whatever you’re opting for will help you in some way or other.

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