A Fund of Fund means a mutual fund scheme that invests in other mutual fund schemes. The fund manager invests in other mutual funds instead of directly investing in equities or bonds. The portfolio is catered for investors with different risk profiles and financial goals. The Fund of Funds offers such benefits that the investors gain from the diversification as a result of investing in various fund categories.

The most sought-after Fund of Funds in India are:

Multi Asset allocation fund of funds are mutual funds that invest in and even other asset classes such as gold, equity, debt, and other commodities.
Gold Fund of Funds are funds that have underlying investments in Gold ETFs
International funds are investments in mutual funds that comprise bonds and shares of global companies.
Investing in a fund of funds is a smart choice if one looks into a few aspects.

Advantages

An investor’s investment is diversified across several funds from various sectors..
This investment strategy of the fund of funds in India can helps one to get exposure in some of the top-performing mutual funds even with a limited investment budget.
In case of Fund of Funds, taxation levied is payable by an investor, only when the fund is redeemed. However, both short-term and long-term capital gains are subject to tax deductions in India, depending upon the annual income of the investor and the time of investment.
There is no taxation on fund of funds scheme if Fund Manager rebalances the scheme portfolio.
Disadvantages

The basic meaning of Fund of Funds is that the mutual fund invests in many funds that further invest in several securities. It is quite possible that the Fund of Funds, will own the same stocks and securities through different funds. This reduces the potential for diversification.
The Fund of Fund expense includes expenses of the underlying funds owned by the Fund of Funds.
Who should Invest?

Investors who wish to invest long term may avail of the fund of funds benefits by investing in such funds.
The main aim of the fund of funds in India isto augment returns by investing in a diverse portfolio thus trying to minimise the overall risk.
Individuals with limited financial resources and low liquidity needs which they can spare for a more extended period of time can choose avail of the benefits of a fund of funds. Since such funds invest in different types of mutual funds, the investor also gains access to high-value funds.
Also new investors with limited knowledge looking for a long-term and diversified investment option can invest in such funds.

Introduced in 2009, Bitcoin has acknowledged as the foremost decentralized and the most demanding cryptocurrencies out of thousands of cryptocurrencies available today. Backed by the pioneering blockchain technology, it has literally outperformed the worth of gold while providing a whopping 155% annualized gain to the annualized loss of gold (around 6%) over the last few years.

Once, the cryptocurrency that was sold worth of dollar $150 per coin, has now been recorded worth of $nearly 42,000-50,000 in 2021. This has made it one of the most popular digital investment vehicles for institutional and large-scale investment advisors. However, to deal with the decentralized complexities of the platform smoothly and flawlessly, the emergence of bitcoin asset management has become a windfall for investment advice and institution investors to explore the obscure world of bitcoin trading through manifold wallets, accounting, and managing processes.

Reduced Risks

Perhaps the biggest advantage of working with specialized bitcoin asset management companies is that it ensures the investment advisors provide secured investment solutions to their clients. Put simply, in case your crypto exchange is hacked, investors who use that specific exchange may lose their holdings right away. And there is virtually no way alternative from such sort of losses. The crypto asset managing solutions have the prowess to prevent advisers and investors from the underlying risks of operating from insecure wallets and exchanges.

Working with these platforms eases the complex areas of buying, storing, and selling digital assets for their users. It’s worth noting that invalid transactions in the crypto domain which may lead to loss of information can be avoided supported by digital asset management experts to prevent the potential outflow of an investor’s data. Integrated management solutions make bitcoin trading protected and easier for potential prospective investors.

Better Understanding

Especially for newcomer investment advisers understanding the sphere of crypto assets isn’t that simple. Due to its innovative approach, decentralized investment technology, for most investors understanding things properly appears to be extremely complex that demands a steady learning platform.

Matter of fact, with many trading, places out there and growing at a staggering rate, a potential investor must be well-familiar with concepts like wallets, private keys management, and other procedures that ensure the highest yield without which it could be intimidating to look at the crypto world at the first sight. This is the key reason what makes investment advisers encouraged to work with a professional bitcoin management team that helps ease and safe accessibility by eliminating the inherent intricacy of investing in bitcoin.

Professional Advice

While the common retail investor is more likely to be attracted to a limited number of crypto-assets, the approach of institutional investors and wealthy investors contrasts to a great extent in terms of their investment objectives. Most of these investors are more tending to explore the gateway to the most potential collections of bitcoin investment to reach their diversified investment goals, risk management related to more complex crypto- products. Due to the highest return potential and investment hedge of bitcoin, as interest among investors including retail and institutions has observed a steep rise in the last five years in the industry, the necessity of simplified crypto management has been integral.

Home prices continue to rise in Canada and many seniors are wondering how they might convert some of that equity into cash to supplement their retirement savings. There are a number of alternatives, and which one is best for you depends on your unique situation. The simple solution is to sell and downsize. Get rid of all that old junk you no longer need and move to a less expensive home with lower household expenses and pocket the difference. Another option would be to stay in your home and rent out the basement, maybe put a student in a spare room, or even try some short-term rentals like Air B&B —if there is demand and it is allowed in your location. You could also try to secure a home equity loan or line of credit (HELOC), although there may be some limitations if you are retired. There is another option which has become increasingly popular, a reverse mortgage. The total outstanding reverse mortgage debt has been growing at 10% or more for the last few years and has now reached $4.2 billion in Canada. What is a reverse mortgage and does getting one make sense? A reverse mortgage allows you to borrow money based on the value of your home, with the home itself being used to secure the loan. There are lots of factors affecting how much you can borrow, with the maximum at 55% of the home value. The are no fixed repayment terms and it is tax-free, but interest rates run about 3% higher than a conventional mortgage, so you are looking at around 5%. Just like a regular mortgage, there are fixed and variable rate options. Other considerations: you must first settle any other liabilities secured by the home, the home must be your principal residence, and if you move, sell or die, the reverse mortgage needs to be settled. You don’t need to consult a financial advisor or money coach to see that a reverse mortgage is an expensive option. A HELOC would be much cheaper and a better loan alternative if you qualify and selling the home outright would likely make more financial sense. On the other hand, a reverse mortgage is relatively easy to obtain if you really want to stay in the home. If home prices continue to rise and interest rates remain low, you could actually still grow your net worth (albeit at a slower pace) even with a reverse mortgage. Last year we saw 20%+ price increases on homes with a reverse mortgage running at 5% — that might be one reason why their popularity is on the rise! There are some other situations where a reverse mortgage makes sense. For example, if your elderly parents fell ill and you could arrange homecare, they might be more comfortable in their own home, or maybe there aren’t any suitable live-in care facilities available. Another situation would be to retain ownership by your estate. Your survivors would have the option to settle the reverse mortgage at the time of your death and keep the home in the family. Reverse mortgages are basically a loan of last resort. If you are pushing 80 and living on a fixed income with no retirement savings, it’s one option if you need cash for medical expenses, house repairs or some other necessity. If you are planning on retiring at 55 and using one to finance the next 30 years of retirement — think again! There are a few options to use the equity in your home as a source of retirement funds. A financial advisor or Certified Financial Planner (CFP) could certainly help with your retirement planning, but make sure to keep improving your own financial education so you can fully understand the implications and explore your alternatives before signing on the dotted line.

Small and microbusinesses are often in need of immediate hard cash to ensure uninterrupted trading. A steady cash flow is crucial for running businesses of all scales, especially the small ones. Getting bank loans is quite a struggle for start-ups or small businesses. Hence, they often opt for alternative financing options, which provide funds following structures and policies much more lenient than what banks adhere to. Traditional financialinstitutions follow outdated lending regulations that are mostly disadvantageous to small organizations that are new to the industry and do not have enough credit scores, elaborate business profiles and collaterals to prove their credibility for loans. On the other hand, alternative financing can be defined as any method through which small entrepreneurs can quickly acquire working capital with the least amount of application hassle, paperwork and stringent repayment structures. Mostly, online funding options come under alternative financing.

Primary reasons why non-bank funding options or alternative financing are desirable for small businesses:

Banks always have specific criteria for credit scores. Businesses with credit scores below a certain threshold(600-650), often get disappointed by multiple rejections. Whereas, non-bank lenders are quite flexible when it comes to their requirements. Credit scores hardly matter to alternative financers. They are only concerned about the sales and profit statement of a business in the last few months or sometimes a year or two.
From application, approval to final disbursement, it is quite a long process when it comes to traditional bank loans. The entire process often takes weeks and sometimes months. Therefore, small microbusinesses, who are in need of urgent cash, turn to alternative financing options which offer same-day approvals and fund disbursements.
Traditional lending institutions generally ask for collateral, like business assets or equipment, to calculate the risk and then approve an application. However, the new entrants or small scale businesses often lack substantial assets as they mostly use personal properties instead of purchasing or renting out spaces at the initial stage. On the contrary, alternative finance institutions do not require borrowers to put up collateral to get loans approved and that makes them an ideal financing source for small businesses. Microloans are small loans sanctioned to entrepreneurs with little or no collateral. However, microloans sometimes come with restrictions on how the borrower can use the fund. But, they mostly cover operational costs and working capital for equipment, supplies and furniture. SBA microloans are an example of microloans.
Tips to prepare to apply for an alternative lending option:

Firstly, one should figure out exactly how much money is required.
Prepare a business plan with financial projections. Though not all lenders will require a business plan, some might ask for it.
A borrower should do thorough research on the market and get ideas about the current market scenario. Often, lenders approve loans to borrowers who are stepping into the fastest growing industries. Also, considerable knowledge of the industry demonstrates the potentiality and dependability of an entrepreneur.
Factors that need to be considered before getting a loan from a non-bank lender:

Non-bank lenders generally charge higher interest rates, compared to banks. But, the rates vary from one lender to the other. Therefore, one should compare multiple offers before locking one.
They are often pushed for bigger loans, even if the borrowers do not need that big an amount or are not ready to take on that much debt. Hence, it is important to look for multiple options and skim the lender offering the exact amount required.
Sometimes, certain non-bank lenders go out of business as the concept is relatively new. That is why one should investigate certain things like how many years a particular lender has been in the business, its financial capacity, the availability of reliable support staff and the reviews it got from the customers. Also, it is important to check if it is backed by a legitimate bank or source of funds.
A borrower should work with a lender who gives a beforehand clarification on the repayment penalties or extra charges that might be applicable in case of early repayment.
One should meticulously read the loan agreement before signing it, to make sure no hidden charges are tacked on.

A high-risk payment gateway is a perfect solution for online payment processing. This payment gateway eases the process of online transactions for the e-merchant. Well if we talk about the features you’ll get with it, then we can say a lot. But some of them are the basic need for an e-merchant, for example – multi-currency transactions, APM, and online security.

Online business for high-risk merchants is beset with many online payment issues, the solution of which is a high-risk payment gateway. Problems like chargeback and online fraud can seem very complicated. But they can be resolved with a reliable PSP.

eMerchantPro is an experienced PSP who has served in the high-risk industry. And we have provided high-risk merchant services to many merchants.

eMerchantPro has the expertise of high-risk. We provide a seamless payment processing experience. With our several payment modes, the merchant will have the convenience of smooth payment processing.

The smart UI system with this payment gateway comes with a hassle-free system that makes it easy for you to operate all features. Our all services are easy to use and those will make each process smooth. We provide such services that streamline the whole payment process.

If you want to read about our other services you can go to our blog section. And if you have any questions regarding our services you can call our customer support that is always ready to help you out. To get your own High-Risk Payment Gateway you can drop a mail.

Malaysia to Sri Lanka overseas trip

Are you looking to travel to Sri Lanka from Malaysia for your next trip? Do you also want cheaper options to keep the trip cost low? We are here to help you with all the cost-friendly options to plan your visit better. You can also send money overseas by availing of our services. It is best to use the local currency or forex cards for all your travel expenses. A reliable money exchange company will help you with these services.

When you send money overseas from Malaysia to the srilanka, you can expect to receive the best exchange rates with low transfer fees. Lotus remit is one of the easiest ways to transfer money for various purposes through our International money transfer service. We provide you with a wide range of foreign Remittance services at the best rate.

How to find the best wire transfer service from Malaysia?

Finding a reliable wire transfer service is easy if you keep a few things in mind. You will have to look for agencies that offer better exchange rates. They should also have minimal transfer fees. It is also good to have reliable customer support to help you when needed. These are a few factors that will help you get a seamless money transfer experience.

How to transfer money online to Sri Lanka?

A money transfer company will help you transfer funds to your recipient in Sri Lanka. They offer a range of services and payment options you can choose based on your needs. You can also avail of their swift services if you have emergencies. Keep the bank details of the recipient handy during the transaction. The transfer usually takes around a day to reach the recipient.

Get a safe and simple money remittance from Malaysia to Sri Lanka, Start your Remittance service from Lotus Remit. Our platform have the best online services to transfer your money safely. You can transfer money from Malaysia to Sri Lanka at the best exchange rate. You will get top-quality money exchange services.

How to convert Malaysian Ringgits to Sri Lankan Rupee?

You can convert your local Malaysian currency to that of Sri Lanka with the help of a money transfer company. They offer better rates than banks and also charge minimal processing fees. Opting for their services will also be a faster option.

If you are looking for an international money transfer online service to send money from Malaysia to another country, Lotus remit provides the ultimate solution for the out word remittance with the best rate. We made International money transfer Easy & Simple with the best service.

Lotus remit provides the best international money transfer services at a low cost, make an online bank transfer from Malaysia to Bangladesh. Bank transfer is another cheaper alternative when you want to pay for your international money transfer, Lotus Remit offers the best services in Malaysia.

Lotus remit is one of the easiest ways to transfer money for various purposes through our International money transfer service. We provide you with a wide range of foreign Remittance services at the best rate.

Something as small as a 3 figure credit score could have a major impact on your life. It dictates when and if you can get approved for a loan, it can make things difficult when you try to rent an apartment, and it can even influence your future employment.

Many people don’t realize just how easy it is for a landlord or an employer to look into credit history and to base their decision on your financial history. While it may seem unfair, it’s reality and the sooner you pay attention to it, the better it is for your money and your future. Let’s look at important credit improving strategies that you can take today.

Find Your Credit Report

Before you can make any decisions concerning your credit, you need to know just how much you owe. Your credit rating will reflect on your credit report. It’s your credit report that you need to take a closer look at so you can see exactly what is influencing your score. Perhaps you have an outstanding collection that you aren’t aware of or there are items on the report that aren’t accurate. It is important that you take the steps needed to correct your report so you can come up with debt management and debt relief plan.

Work on Your Debt

The only way you will ever make improvements on your credit score is if you work on your debt. Look at your finances and your expenses and think about ways you can pay off your debt. You can also contact a financial services provider or creditor and you can negotiate better repayment and interest rates that you can afford. Perhaps that will let you pay over a longer period which also reduces the repayment per month.

If you are struggling with ways to increase your credit score you can look at debt management strategies to improve your credit. By taking the necessary steps and making the calculations you can find the right financial approach to help you work on your credit rating and make money challenges a thing of the past. Remember that each financial strategy should always be tailored to your needs and your circumstances.

Once you have found ways of improving your credit score you can manage your debt and you can work towards financial stability whether you want to get approved for a home loan or you want to take on a personal loan. Don’t let your credit or FICO score influence your future!

As a business, self-storage real estate is not for everyone. However, the need for commercial mortgages, construction loans, cash-out leveraging, refinancing loan vehicles, CMBS, bridge lending, mezzanine financing, preferred equity, and real estate private equity for private investors, small/middle market real estate entities, and family offices who are into it generates a lot of activity for us.

You’ll need money whether you want to develop, buy, expand, or repair a self-storage facility.

Fortunately, self-storage is and has always been, an industry with strong fundamentals and consistent development. For nearly 30 years, the self-storage market has earned 3.5 percent annual returns, according to the New York Times.

Many lenders are interested in funding self-storage developments as a result of these encouraging results. Business loan lenders, on the other hand, are not all the same. To properly finance your project, you must first understand your storage loan alternatives and how self-storage financing works.

Self-Storage Loan Options
Self-storage loans are available through SBA lenders, credit unions, and banks, as well as alternative lenders. You’ll learn about the financing options available from these three types of lenders in the sections below.

SBA Loans
The SBA offers self-storage financing through its SBA 7 (a) and 504 loan programs. The structure of SBA 7 (a) and SBA 504 loans for self-storage financing is the same as it is for any other permitted use.

The SBA partially guarantees the loan, which is made by a financial institution. Because of this partial guarantee, lenders can make SBA loans to applicants who would otherwise be ineligible. However, because of the low-interest rates on SBA loans, the application procedure is quite competitive.

Purchase property, extend or repair an existing self-storage facility, or restructure existing debt using an SBA 7(a) or 504 loan.

Credit Union and/or Bank Loans
A credit union or bank can help you fund self-storage projects with a line of credit, a regular loan, or a construction loan.

It’s worth mentioning, however, that many credit lines have limit amounts ranging from $100,000 to $250,000. Depending on the scope of your self-storage project, you may require a higher sum to fund it.

In addition, a company line of credit is typically used for short-term financial requirements. The majority of credit lines have terms of seven years or less. That means you’ll have to pay off your line of credit promptly, which some borrowers may not be able to do. This will, of course, be less of an issue if your self-storage project is tiny.

Credit union or bank business loans are substantially more suited for larger self-storage projects. According to Federal Reserve data, the average small company loan amount is $663,000, with loan amounts ranging from $13,000 to $1.2 million.

Self-storage construction loans are used to fund the building of self-storage facilities. To qualify, you’ll typically need a 25% down payment and a loan term that matches the length of the building project. You’ll owe a balloon payment for the remaining around the time the building job is completed.

Most borrowers have permanent financing lined up before their construction loan term finishes, thanks to the balloon payment.

The group has over 11,400 practising financial planners and affiliates across Australia. As the largest professional body for financial planners in the country, the FPA has a powerful voice that is worth listening to. Read on to learn more about the FPA.

The FPA is a non-profit organisation that offers professional education in economics and finance. The organization’s goal is to increase consumer awareness of financial planning. Its mission is to promote the role of financial planners in the community, increase awareness among consumers, and represent the interests of investors. The FPA is located in Sydney, Australia. Its website provides contact details for key decision makers and provides a directory of professional associations, publications, and websites.

The Financial Planning Association represents over 11,000 members and advocates for better financial advice. It supports its members’ advancement through college degrees and professional certification. It also provides advocacy and education for financial planners. The FPA is a leading professional organization for financial planners in Australia. They believe better financial advice will benefit all Australians. They support their members by ensuring that they are adequately trained and accredited. They are a leading voice in the industry and strive to raise the standards of their profession.

The FPA has a strong agenda that includes creating a solid financial plan for clients. Its goal is to encourage individuals to seek professional advice when it comes to their finances. The campaign revolves around five key messages that the organization aims to address: saving for retirement, access to super, and COVID-19 issues. The FPA sees increased engagement in the profession among Australians. The goal is to educate people about the value of having a professional financial planner review their financial situation.

The FPA also supports members’ professional development. In addition to providing tools to become FASEA-certified, the organization also promotes the public’s interests. In Australia, the FPA is the leading professional association for financial planners. More than 13,000 professionals are members of the association. Its conferences are the largest gatherings of financial planners in Australia. It is a valuable resource for both financial planning practitioners and the public.

The FPA also offers a free search engine to find a financial planner. The FPA has a robust Code of Ethics and Professional Practicing Standards. Its website also allows people to look up a planner by using a keyword. To get started, use the FPA’s online search tool. It lists qualified financial planners in your area. It also provides meeting and educational opportunities for its members. The FPA is a professional membership association for the financial planning community in Australia.

The FPA is a professional association that promotes and regulates the financial planning profession in Australia. The FPA also publishes a journal aimed at educating the public about financial planning. Its publications have contributed to the growth of the industry. The financial planners are essential for the public and need to understand the benefits and disadvantages of their work. The financial planners in Australia can help clients make the right financial decisions and save for the future.

Despite the high-pressure environment, financial advisers have access to the latest and most comprehensive research. It is essential to have an adviser who has a broad range of expertise. An experienced professional will be able to advise you on investment strategies and the right type of insurance for your needs. A Financial Planner’s job is important for everyone in Australia. With the right information, you can make the right decisions for your financial future.
An experienced financial planner can help you achieve financial goals. A good planner can help you build a solid foundation for your future. He or she must be able to help you make informed decisions and understand the complexities of a complex situation. The FPA is an organization of professional financial advisers and helps them manage the various aspects of a client’s life.