Please Purge the Customer Ination in These Documents 2011-2025 Form

It’s hard to say. Generally, shopper marketing means “understanding how one’s target consumers behave as shoppers, in different channels and formats, and leveraging this intelligence to the benefit of all stakeholders, defined as brands, consumers, retailers, and shoppers”.It’s a little complicated and requires a bit of analysis to truly comprehend, but at the same, there are some basic concepts that can be applied for other marketing purposes.For example, the basic tenet behind a call tracking solution depends on a key customer behavior online- which is that most people don’t have the patience to fill out a form online to finish their business or inquire further.Eventually, these same customers call in instead, preferring actual human interaction over the phone to have someone take care of their business. Using customer behavior as the linchpin, call tracking solutions to provide data directly related to this behavior.While shopper marketing is a little too convoluted to fully employ, understanding customer behavior and doing something about it and tailor-fitting your marketing campaigns to fit that behavior is always beneficial for any organization.Using call information as an indicator, you can figure out which marketing campaigns are working well enough to warrant additional resources to be allocated to it. Conversely, with a call tracking solution, you can also get rid of campaigns that aren’t converting well enough.

Did you know that a million dollars in U.S. currency weighs just ten kilograms? It's true. A freshly-minted $100 bill weighs in at slightly over a gram, and 100 of them is ten thousand dollars. 100 of those stacks, and there's your million.It’s not often that 10 kilograms - 22 lbs of anything can change your life. But on February 25th, 2014, that’s exactly what happened.  Day 1: $1,000,000 As the man in the gray suit walks away, I shout after him “Hey, come back here. Who are you? What’s this all about?” He does not look back and quickens his pace. Between the choice of chasing down a stranger, or securing what appeared to be stacks of currency, I chose the currency. We can resolve the issue of his identity later, but a loose sack of cash is, well, a loose sack of cash. I look through the contents again. Bundles of US$100 bills, stacked a hundred bills deep, wrapped in standard $10,000 bank bands. A quick count revealed that there were precisely a hundred of those stacks in the bag, and spot-check riffle-counts of the $10k bands suggest that there are no short-stacks within. These were full bands of $10,000 apiece of non sequential USD$100 bills, and I was holding what appears to be a million even in cash. And it feels like just as many question are swirling in my head, as I feel my pulse pounding in my skull. Who was that guy? Why me? What is this all about? But the most urgent thoughts swim past the dizzying deluge of unanswerable questions. Fakes. It’s one thing to inadvertently be the recipient of counterfeit currency; as you’re reading this very sentence, a clerk at a retail store somewhere in your city just accepted a counterfeit bill and made change from the real money in the till.  But to be in possession of a life-changing amount of counterfeit currency of the United States of America? Well, that’s sort of thing that can bring the full might and wrath of their law enforcement apparatus on your head. My emotions swing wildly between the elation of instantaneous wealth, and sheer terror that I was minutes away from being snatched from my home and corralled into a Federal holding cell, where I will grow old within its walls. Terror was the stronger of the two emotions, and I quickly went to work. First things first: the bag had to go. If there is a GPS tracking device embedded in its seams, it would take too long for me to root it out. Better to incinerate it, and make sure that whatever trail it was laying stops at a dead-end for its pursuers. I pour the stacks of bills into an empty duffle back from my garage, and lock the bag in my condo. There’s an abandoned marina just a mile from my home and I get in my car and drive straight to the docks, at the top of the posted speed limit. After pouring enough Kerosene on the bag to see the shimmering mist of petroleum evaporate above it, I lit a book of matches and threw it in the middle of the mass. A satisfying “Whoomph” lights up the fire, and I watch the edges of the bag curl and burn - sizzling in the midmorning sun. As the remnants of the bag’s embers swirl around the scorched mark on the docks, I drive back to my condo, pulse still pounding in my skull.I still haven’t figured out if the bills are real or not, but if this morning’s bag-drop was an attempt to pin a piece of deeply incriminating evidence bearing a tracking device … well that plan has been thwarted. Or delayed, at the very least. What do I do? What should I do? Call the authorities? Consider how it would sound: “Hi, Police? Somebody dropped a million dollars in cash at my home. I don’t know if it’s fake or not. Please help.” Would you believe such a ridiculous story? I wouldn't. Any reasonable law enforcement dispatcher would consider the caller legally insane, and I'd be arrested on the spot and sent to psychiatric care. If the money was real, it’d be seized and I'll never see it or spend it. If it was fake, they’d find a way to stick “possession of counterfeit currency” charge on me, and I'll be shoved into a Federal concrete box, draining the best years of my life away, only to be released when I can’t chew solid food any more. No. The only recourse is to handle this myself. I call an old college friend practicing criminal defense law in New York City: “Hey Roger, it’s Kai. How’ve you been?” “I'm cool. It's been a while. What’s up man.” “We should catch up soon in person. But I’m calling because I need something.” “Ok, shoot.” I swallow hard - it’s difficult to even say the words: “Who’s the best CrimDef lawyer you know in California, who defends against Federal charges?” A moment. His voice lowers noticeably. “Shit, man. You in some kind of trouble?” “I’m not sure yet.” I said, truthfully. “But I need someone experienced and smart ... someone who you’d hire, if you’re facing serious attention from the Feds." He lets out a long exhale. “Vincent King. Former rockstar DOJ prosecutor in D.C. Had a change of heart halfway through his rotation in Maryland, when he was securing Life sentences for “interstate drug transportation” charges on young Black kids who were busted muling for the cartels. Was offered a fast-track promotion straight to the U.S. Attorney’s office but went rogue. He set up independent shop in San Francisco, fighting Fed cases. Heavy hitter clients, but makes a point of refusing to represent anyone accused of murder or human trafficking. Intimate knowledge of Federal prosecutorial procedures and evidence-collection protocol. Smart. Methodical. Very expensive.” “Perfect.” “I did mention ‘very expensive?’” “You did.” “I’ll send his contact information now.” =================================“I’m sorry - Mr. King is in court all day and won’t be back in the office. His earliest appointment is tomorrow morning after a client meeting. Shall I book him for 11am for you?” “Yes, thank you Marta.” “We’ll see you tomorrow at 11 then.” I look at the digital clock in my kitchen -  it reads 10:44am. Just me and a stack of bills which may or may not be fake, no formal legal representation for over 24 hours. It’s going to be a long day. Taking even a few of these bills to a bank to corroborate their authenticity is out of the question. If a bank officer confirms they are fraudulent, I’ll be arrested on the spot, and since I haven’t hired counsel, I’d be at the mercy of the Public Defender’s Office - the most overworked and underpaid division of the American Criminal Justice system. No, thank you. The next number I dial is an old friend, Robert Kendrick, sole proprietor of ‘Secher Nbiw - The Golden Path,’ a gold bullion dealer with a whimsical Dune reference in the name of his shop. I’ve known Robert for over a decade; his business deals in large amounts of (mostly) legal cash. By necessity, he has a high-end currency counter/ counterfeit detection device in his office, which can swiftly count and verify large sums of money with precision. “Bobby, it’s me.” “Hey, what’s up.” “Can I come to your office - like right now?” “Sure, what do you need?” “I, uh, came into some money. Long story, and I really don’t want to get too much into the details … but I’m wondering if you’d be willing to run the bills through your counter for me? I’m not 100% sure they’re real, and I’d like a discreet way of verifying them. If they are, I’m going to pick up some bullion as well.” “Sure man. Happy to help. How much money are we talking about?”“$60,000” I flinch at that - I hate lying to friends, but at this point, I have no idea who to trust. Though if you want to be technical about it, I did come across $60,000. I am just simply not telling Kendrick about the other $940,000 that accompanied the $60k in the satchel that dropped into my life just three hours ago. “Come on by.” I pull apart a few $10,000 currency bands and start plucking random $100 bills from the middle of every 10k stack to assemble a randomized sample of the entire million. 100 bills, wrap it up. 100 bills, wrap it up. 100 bills, wrap it up. Three bands, thirty thousand dollars, randomized and fully assembled to be tested for authenticity. “Half” of my alleged $60k windfall. The rest of the loose bills are refolded back so there remains 97 stacks of $10k racks, re-wrapped and properly sorted. In 30 minutes, I will figure out if I’m rich, or holding on to enough illicit contraband to send me to Federal Prison for the rest of my life. =============================The Golden Path, like most bullion dealers, work out of small, highly secured office covered by multiple layers of security. At any given moment, Robert may have several hundred thousand dollars in cash or gold, silver and platinum bullion on the premise, it pays to be careful. One of the few civilians in California with a Concealed Carry Weapons permit, Kendrick and I met on pistol gun range ten years ago; we bonded over shooting .45 ACP slugs down-range. He and I spent countless hours debating the relative merits of his preference for single-action 1911s, vs my bias toward double-action SIG-Sauer P220s. In the bullion business, you learn to know the boundaries of money-laundering laws, and know how to walk right up to the edge without triggering reporting thresholds. Drop US$10,000 in cash or more at a car dealership, bank or bullion dealer in a single day’s transaction, and the U.S. authorities gets very interested in the source of your funds. By law, these business that receive such sums of cash must fill out invasive forms to tie the transaction to you and your Social Security Number. Keep cash transactions below US$10,000, and you can avoid much of that intense scrutiny. “Welcome back man. I haven’t seen you in a while.” A discreet man, Kendrick does not inquire further about the source of the cash. In the business of buying and selling gold bullion, you learn to comply with the letter of the law, while avoiding conversational topics that can jeopardize one’s own plausible deniability. While his clientele is mostly legitimate, I’m certain the most lucrative of his customers are criminals - and he smart enough to know not to ask the sort of questions that open up a line of liability for him.  So long as the proper theatrics of anti-money-laundering protocols are observed, everyone is technically in the clear. I hand him the three $10k stacks and he pulls the bands off them and puts the entire block in his high-speed currency counter. After a second, the machine spools up and the digital counter swiftly runs from zero to three hundred. Thirty thousand dollars. “It’s real.” It’s real. His words hang in the air for a moment, and it takes a moment for them to sink in. One million dollars. Genuine currency of the United States of America, the most recognized and accepted form of money in the world - denominated in crisp, non-sequential bills. I hold my face as neutral as possible, but my excitement made me slightly dizzy, and I am glad I was sitting down. “What’s the spot price of Gold today?” Kendrick’s eyes drift to his laptop computer, where the current day’s commodities prices were fed to him via a live stream. “$1334 Ask, $1335 Bid.” I nodded my understanding.Precious metals bullion trade in troy ounces, and prices are quoted on a per troy oz basis; depending on the specific type of bullion (bars, coins, make), there are different markups from the quoted price. Depending on the specific form, Gold is typically marked up by USD$20 to $60 over the day’s quoted Bid price, and sells for $5~10 over the Ask. “What do you have in inventory right now for gold?” “The usual. South African Kugerrands. American Eagles. Canadian Maples. Oh, I do have a lovely Credit Suisse 5oz bar that somebody just sold to me, and I’m happy to let it go for $25/oz over spot.” I quickly did the mental math calculation. With the hard-cap spending limit of $10,000 before I trigger any mandatory anti-money-laundering paperwork, $1335/oz works out to about seven troy ounces of bullion I can buy, without forcing Robert to fill out invasive forms about me and my identity. “I’ll take the 5oz Credit Suisse bar, and two American Gold Eagles.” Kendrick pulls out a calculator and taps in the numbers, “So five troy ounces at 25 over spot plus Eagles at $50 over spot works out to nine thousand six hundred and -“ “Take ten grand and keep the change.” I interrupt. “I will be back for more.” He raises his eyebrow, but says nothing. “Thank you. I’ll be right back.” He counts back $20,000 and hands it to me, taking the $10,000 in the back room of his office and returning with the 5oz Swiss bar and two heavy 1oz American Eagles, along with a receipt for US$9675. I pause for a moment and hand him back one of the $10,000 stacks. “I know the limit is $10k in transactions per day. Consider this pre-payment for a purchase tomorrow. Your call, on a mix of anything up that totals up to $9500. Keep the rest for you and Katie.” A barely-perceptible smile flickers across his face, then his face was clear again. “Sure thing.” There’s nothing like the feeling of holding physical gold - the density, color and heft of the metal is like no other substance on earth, and it is no wonder that since its discovery, every culture on Earth treated gold with awe and respect. With 18 hours left before I can understand my legal options, there’s only two things I know for certain: 1. The money is real. 2. At least one person knows exactly where I live, and where the money was dropped off. I need to get mobile. I need to get mobile and off the grid ASAP.... to be continuedIf you'd like to be the first to get updates to this story, please add me kai chang 張敦楷 (kaichang) on Twitter. Part 2 (of 10) is being written right now, will be announced on Twitter. Please follow for updates on the saga of the Quora Millionaire! :D

Years ago I worked at document management company.  There is cool software that can automate aspects of hand-written forms.  We had an airport as a customer - they scanned plenty and (as I said before) this was several years ago...On your airport customs forms, the "boxes" that you 'need' to write on - are basically invisible to the scanner - but are used because then us humans will tend to write neater and clearer which make sit easier to recognize with a computer.  Any characters with less than X% accuracy based on a recognition engine are flagged and shown as an image zoomed into the particular character so a human operator can then say "that is an "A".   This way, you can rapidly go through most forms and output it to say - an SQL database, complete with link to original image of the form you filled in.If you see "black boxes" at three corners of the document - it is likely set up for scanning (they help to identify and orient the page digitally).  If there is a unique barcode on the document somewhere I would theorize there is an even higher likelihood of it being scanned - the document is of enough value to be printed individually which costs more, which means it is likely going to be used on the capture side.   (I've noticed in the past in Bahamas and some other Caribbean islands they use these sorts of capture mechanisms, but they have far fewer people entering than the US does everyday)The real answer is: it depends.  Depending on each country and its policies and procedures.  Generally I would be surprised if they scanned and held onto the paper.   In the US, they proably file those for a set period of time then destroy them, perhaps mining them for some data about travellers. In the end,  I suspect the "paper-to-data capture" likelihood of customs forms ranges somewhere on a spectrum like this:Third world Customs Guy has paper to show he did his job, paper gets thrown out at end of shift. ------>  We keep all the papers! everything is scanned as you pass by customs and unique barcodes identify which flight/gate/area the form was handed out at, so we co-ordinate with cameras in the airport and have captured your image.  We also know exactly how much vodka you brought into the country. :)

For the beginners I would like to suggest Zerodha.Because :The stock investment is brokerage free.Higher intraday margin.Trading brokerage is very low (0.01% or Rs20 whichever is lower).Kite is their a beautiful web based platform and android app of kite is also available.Pi is most powerful software for desktop.Zerodha versity is for education purpose.Quant is for historic performances.Stock screener is available for your own fundamental research purpose.Stocks, commodities, Direct Mutual funds and all are available at one place.Referral benefits.60 day challenges.Excellent onboard support.And many other features …They come with always new features …In case of huge abnormal pressure of buying and selling, sometimes technical problem happens to their platform , it is true. This problems may happen in any other Brokers also. I have also faced a lots of problem in my previous broker. We should not focus only one side of any firm. Combining all the pacage features we have to compare with other brokers in India. Then we will be able to understand why Zerodha is best. After all 7 lakh+ potential traders trust on Zerodha. And it is beyond our thought at how speed it is increasing day by day. They can start margin delivery very shortly (it is not available right now, but in very near future they can start it).These are the reasons for which I like Zerodha.Hope this will help you to understand why it is best.Click here to open your online Trading and Demat account to invest in stocks, commodities and Mutual funds with Zerodha and enjoy free delivery brokerage charge.Happy Trading and Investing.With Best Regards,Debjani Biswas.

Hi! Early on in in the product development lifecycle, user interviews are a great way to confirm and validate a concept will result a successful business but as the product is not done, the interviews are high level validations that conceptually the pain point you are describing and the solution you are proposing makes sense and would be of value to end users. Once you have a product and even better, was able to on board your first few beta customers or live paying customers for your product, now is the time to maximize customer feedback about your product as they are bought in on what you offer and can provide you a great amount of feedback on what you need to continue to deliver to make the product even better for them. Early adopters can also help you realize what challenges they faced on boarding, confusing parts of your product and help you iron out your process to increase sales.So with the obvious value that can come from customer interviews, it leaves the question, how frequently do you interact with users?There is no great rule of thumb of how often you should be checking in with users except that the more you talk with your customers about their experience the more data you are able to collect about their impression of your product, the challenges they faced and potentially why they may stop using your product. Product managers are responsible to build out a product roadmap that drives the future of the product and who better than your customers to help you pin point the key features you need to include to be successful? Here are the main areas you should always focus on us a product manager and how frequently interacting with users can help improve your product planning.On boarding: One of the most important parts of building a business around a product is to ensure you have a streamlined and simple on boarding experience for users to quickly setup, adopt and move forward with your product. If a user hits a challenge in the first few minutes of reviewing your product, that may be the only shot you had to keep them interested. So how frequently do you interact with users that are trying to on board? It is 100% okay to ask someone who is trying your product and has not purchased it yet to give you feedback. Schedule calls, cold call or even better setup time in person to meet with the customer who is trying your product. Focus on what they are trying to accomplish and their experience getting setup in your product to accomplish that business need. Did they get stuck? Were they able to use your support documentation? Did they know about the information available to help them? The more you can streamline setup, the more you will convert and grow the business. This should be a very top priority for growing your product and finding features for your product roadmap.Competitor Analysis: Typically someone looking at your product or using your product will be familiar with the competitor landscape and they may have either tried your competition or also looking at it. They are a gold mine for your competitor analysis to learn why they chose you over the competition. What are your strengths? Even better, what did the competition do better than you? What was their support like? What did they like and not like about the various options compared to your product. This is not a time to bad mouth competition but to be able to see where you may want to press your marketing on your strengths and add features to your product roadmap to improve your weakness.Churn Reasons: Ultimately customers leave your product. How frequently do you interact with users that churned? As great as it is to hear from those in trial and those actively using your subscription, hearing your frustrated customers is even more important. The reality is that the large majority of your customers will use your product and if they stop you will never know why they stopped. They have their reasons, but your average customer will not tell you why they quit or have opened support tickets with issues they simply hit some friction and decided to move on. With that being said, if you continue to signNow out to churn customers and find one willing to speak up, listen! You need to know why people are leaving and it is really hard to get this data as typically someone leaving may be frustrated or even angry with your product and want nothing to do with it. If you can get them to articulate why they are frustrated and angry hear them pain points and work on solutions to improve those areas as it may be a large reason you have churn.Industry changes: The world is constantly changing and your customers need you to be active in your product management to ensure you keep up with it. This could be new laws that change how they do business, it could be a new business opportunity that was created in their space or a new player in the space that requires them to do business differently. Whatever the driver, always keep in mind your customer needs are always changing and while you solve a pain point, that pain point can shift over time and you need to be constantly signNowing out to customers to check in on their business needs and confirm you are still solving the problem they face. Many founders or product managers may have experience in the space they support and assume they know the space enough but the more you are removed from the space to build a product that helps it, the further you are from the day to day needs of the customer base. Avoid banking on your industry knowledge and rely on your customers to ensure you are solving their constantly evolving needs.Overall Usability: Before your product, customers solved their pain points somehow and they used your product to be more efficient and save time, money and energy. For this to remain true, you need to constantly work on your user experience to ensure your product is streamlined to help customers complete their day to day operations or normal use cases within your product. How frequently do you interact with users to watch them use your product in normal day to day operations? By simply watching them use your product you may see them completing extra tasks, needing to do things inefficiently or using it in a way you did not realize. Focus on your usability to ensure you continue to offer a product that solves pain points and is easy to use and adopt. Better usability increases adoption and decreases churn so should always play a role in your product roadmap planning as a product manager.Customer feedback management should always be a critical part of a product managers product planning efforts and by interacting with users you can hear the challenges they face and the features they need you to implement to continue to grow within your product. Always be open and proactive in scheduling user interviews as a product manager because your customers world is constantly changing, and you need to build your product roadmap to support it.Take it easy,The Product HQ team

Its not that complex… Here, i have written everything you need to know about Mutual funds. Read this, you can start investing without anyone’s help.Mutual fund is like fixed deposit where we deposit our money and it will give us return.There are three types of mutual funds, they are debt fund, equity fund & balanced fund.Debt fund is similar to Bank. When we invest our money in debt fund, fund house will use our money to give loans to private companies or Indian government or State government.Debt fund - Risk is low. Return is around 8%. If you withdraw money within 3 years, you need to pay tax based on your income tax slab (like 10% or 20% or 30%). If you withdraw after 3 years, you need to pay 20% tax with indexation.Indexation: 20% tax with indexation means you will be discounting inflation while paying tax. So you will be paying less tax after discounting inflation (less than 15%)Inflation: Inflation is most important factor when comes to finance. It means decrease in purchasing power of money. To give you an example, before 10 years Rs.10 is a big amount. But now??? In 10 years from now Rs.10 will be nothing. Thats the inflation, every year value of money will get reduced. Government regularly release inflation details.There are many types of debt funds like gilt, income, short term, liquid, ultra short term.Gilt fund - your money will be loaned to government. Risk is very low since borrower is Government.Income fund - you will receive monthly income. Suitable for retired people.Liquid fund - you can withdraw your money anytime without any charges. It is like savings account.Short term or Ultra short term - if you like to invest only for some months.Let me warn you, debt funds are not risk free. They too carry some risk. Sometimes company default loans (Vijay Mallya, Nirav Modi). Then there is a risk of interest rate.If like to invest with minimal risk, then open the debt fund in valueresearchonline website. There you will find the below diagram (or chart?). Good low risk debt fund should have black box in red area. The meaning is, the fund is less sensitive to interest rate change and has good credit quality.Equity fund. As the name says, your money will get invested in Share market.Equity fund is riskier than debt fund. But it gives good return like 12% to 25%. If you withdraw withing an year you need to pay short term capital gain tax of 15%. If you withdraw after 1 year and if your return is more than 1 lakh, you need to pay capital gain tax of 10%.It is recommended to hold equity mutual funds at least 5 years to see decent return.Equity mutual funds comes in many types like large cap, mid cap, small cap, sector.Large cap or Bluechip fund - your money will get invested in big companies. Risk is low and return is around 10% - 13%.Mid cap fund - your money will get invested in medium size companies. Return is more than 13%. Medium risk.Small cap fund - your money will get invested in small companies. Very risky but good return, more than 20%.Sector fund - your money will get invested in companies in specific sector. For example, Equity Infra fund means, your money will get invested in Infrastructure companies. Return varies based on sector, but it will be more than 15%.Index fund - Return is around 10%. Medium risk.What is index fund? There are many indices in India like Nifty, Sensex, Bank nifty, etc., Each index comprise of many companies with different weightage. For example, Nifty comprise of top 50 companies in NSE. If you invest your money in Nifty index fund, it is like investing in top 50 companies in NSE.ELSS - It is tax saving mutual fund. You can save tax under Section 80C. It is getting popular now. Lock in period is 3 years. Return is around 12%.Arbitrage fund - It is very very low risk equity fund. Arbitrage fund won’t get affected by markets up and down. Return is 8%. Taxing is same as equity mutual funds.Balanced or Hybrid fund. It is mix of Equity and Debt fund. (65% equity and 35% debt). Low risk. Return around 12%. Taxation is similar to equity fund.First, choose fund type based on your risk potential (like debt or equity or balanced).If you are retired person or if you don’t want to take any risks then choose Debt funds.If you like to take only small amount of risk, choose balanced fund.If you earn average income, then choose balanced fund or large cap or both.If you fall under huge income category, then mix large cap, mid cap and small cap.To choose fund, visit Funds - Value Research Online. Here are the list of things to note while choosing fund…See the fund’s performance from inception. See yearly, 3 year, 5 year and overall return.See the expense ratio. Expense ratio is the amount you are going to pay as commission. Less than 1% is better.See exit load. This is amount you need to pay when you withdraw.Value research online gives star rating for all funds. Choose funds with atleast 4 Stars.IMPORTANT NOTE: All funds comes in two plans Regular & Direct plan. Regular means you invest via Broker or Agent. Direct means you invest directly. Broker or Agents charge commission. Their commission will be around 1% per year. IT IS LOT OF MONEY. So never go with Broker or Agents.If you are new to mutual fund, you need to register KYC first. It is one time process and it is centralized. Once you get registered, you can invest in any mutual funds just by giving your PAN number. To register KYC, first select fund house (example, SBI Mutual fund or HDFC mutual fund). Find their office in your city and go and register KYC. You can also register e-KYC online, but it has some limitations. So i suggest you to visit office and do it in person.Once KYC is done, you can invest in any mutual funds. If you do KYC in SBI mutual fund, you can also invest in HDFC or ICICI mutual funds. KYC is centralized.Once KYC is done, visit mutual fund company website (like SBI mutual fund site or LT mutual fund site). Register there. Start investing. You can either invest as Lump sum. Or as SIP. SIP means you can invest small amount monthly. Money will be automatically deducted from your account.FAQ:When should i invest?If you are planning to invest via SIP you can start anytime. But if you are planning to invest as Lumpsum, there is a completely different approach. If you like to invest lumpsum in debt fund. You can invest anytime, no issues.But if you like to invest lumpsum in equity mutual fund, you need to follow different approach, since investing lumpsum in equity mutual fund is very risky. First invest your lump amount in liquid fund or ultra short term debt fund [Lets call Fund A]. These funds don’t have exit load (or withdrawing fee), so there is no charges when money gets transferred. Now, set up STP (Systematic Transfer Plan) to transfer a fixed amount monthly to an equity fund [Fund B]. For example, if you have 1 lakh lump amount, set a monthly amount to Rs.5,000. Every month, Rs.5,000 from Fund A will get transferred to Fund B. Fully automatic.Note: Never invest lump amount directly in equity mutual funds.Is there any service which helps me to invest in Mutual funds easily?There are so many apps these days which help you to invest money in mutual funds via direct plan. Like, Zerodha Coins [Not a promotion, you can try any app you want]. These apps are not free, they charge small amount monthly. You can easily set up investments from the app and also you can track the fund performance. I personally find such apps useful.I heard mutual fund is risky.Every investment is risky, whether it is real estate, gold or FD.Gold. What if someone stole or you lose is somewhere? Think how many times you heard from your friends or relatives (or happened to you) that they lost Jewels?FD. FD return is very low. If you are a tax payer and if you invest in FD, then you are LOSING MONEY because of tax and inflation. You will be losing 1% or more per year if you invest in FD. And also, what happens if bank goes bankrupt? FD is insured for Rs.1 lakh. If you have 10 lakhs in FD and bank goes bankrupt, you receive Rs.1 lakh.Real estate. Many factors affect real estate like current government, policies, economy, water issue, etc., And there is liquidity problem . You can’t buy or sell real estate fast.Like these mutual funds also carry risk. If you plan properly you can reduce the risk by investing GILT fund or Arbitrage fund. Remember, mutual fund house invest your money in companies like ICICI bank, TCS, ITC, Tata motors, etc., It is very unlikely that these companies shut down their business.Is it true that debt fund carry Zero Risk?No. As i said earlier Risk is everywhere. When compared with equity, debt fund carry low risk. Still there is some risk. Companies default their loan (remember Kingfisher?). Companies goes bankrupt.What funds are you investing?I am investing in…Aditya Birla SL Balanced '95 Direct-G (Balanced fund)IDFC Focused Equity Direct-G (Large and mid cap)L&T Emerging Businesses Direct-G (Small cap)What should i choose? Growth or Dividend or Dividend reinvestment?Growth - To unleash the power of compound interest choose Growth. It will give you massive return in long term. (Recommended)Dividend - If you want regular income from your investment, then choose Dividend. This option is recommended for retired people.Dividend reinvestment - Companies release dividend regularly. If you choose this option then fund house will buy new units of the fund with dividend money.If I choose dividend fund, do I need to pay income tax for dividend income?No, there is no income tax for dividend income.What is the minimum age required to invest in mutual fund?There is no minimum age. You can start at any age. If you are below 18, you need to provide birth certificate.What is the minimum amount needed to invest in mutual fund?You can start with as low as Rs.500.I am already investing via Regular plan. How to switch to direct plan?Visit fund company website. Register yourself and login. There will be option to Switch. While switching select Direct plan. Simple.How do I know whether I am investing in Regular plan or Direct plan?Login to your account or check your statement. See the fund name. If the name ends with Direct, it is direct plan. Or if it ends with regular it is regular plan.What should i do after investing?It takes atleast 5 years to see decent return from equity mutual funds. Bookmark the website value research online. It is popular site about mutual funds. They give star rating for all mutual funds. Good fund should have atleast 4 stars. Every once in a while check number of stars for your fund. If it goes below 3 stars, i suggest you to switch fund.I am investing in equity mutual fund. I got negative returns. Now i have less money than what i invest. What should i do?Market fluctuates. It is normal. As i said earlier, you need to wait atleast 5 years to see decent return from equity mutual funds.How to withdraw money?Login to your account. Choose redeem option. Money will be withdrawn to your bank account.How to terminate mutual fund?First redeem your money. Then you need to send post (physical, no email) to mutual fund company asking them to terminate. But it is not necessary. Just withdraw money and done with that.What happens if I fail to pay monthly instalment for SIP because of no funds in my savings account?Nothing will happen. Don't worry.How to switch funds?Case 1: Switch funds from same fund house. For example, LT Fund A to LT Fund B. Login to fund house website. Choose switch option. It is simple.Case 2: Switch funds of different fund house. For example, LT Fund A to SBI Fund A. There is no direct option for this. First you need to withdraw money from fund A and invest freshly in Fund B.How to track my mutual funds investments?If you are investing via apps like Zerodha coin, you can easily track form those apps.What are open ended and close ended mutual funds?When comes to mutual funds always go with open ended funds. Open ended fund gives better return than close ended. And also you can enter and exit open ended funds anytime.———————————————————————————————————Hope, i explained everything here. Please don’t contact me with questions which i already explained here. I won’t respond. Spend some time to read. If i missed anything, do comment here.Invest with your own risk. Market fluctuates, sometimes market crashes, companies default their loans. Anything can happen. I am just sharing knowledge.Happy investing.Ashok Ramesh.

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