Retail Banking : Demand Deposit Products
Deposits can be divided into two types. The first type is time deposits in which an account holder gives the bank money for a fixed period of time and therefore does not have any right to ask for money before the maturity date has been reached. On the other hand, there are certain types of […]
The Freemium Model – Different Types of Freemium Models
In the modern world, more and more start-ups are selling products and services related to information technology. These companies either bring about a digital revolution in existing businesses or create a totally new product category. Most of these new businesses sell something intangible. Hence, the traditional distribution models are no longer effective. Web-based companies cannot […]
Calculating Free Cash Flow to the Firm: Method #2: Cash Flow From Operations
Now, it’s time to move on to the second metric which can be used to derive the free cash flow to the firm (FCFF). This metric is the cash flow from operations. These types of questions involve a complete cash flow statement being provided as the question and expect the student to derive free cash […]
Internal Causes of Organization Decline
External causes are considered to be the number one reason behind the organizational decline. However, they do not work in isolation. In reality, there are many causes that exist within the organization as well. In this article, we will have a closer look at the top two internal causes which are known for causing a […]
Estate Planning in Personal Finance
The goal of personal finance is to accumulate wealth and then disseminate it at the right time in order to meet specified goals. Most investors try to accomplish all their goals within their lifetime. However, sometimes their goals may be leftover post their death or when they have become medically unfit. Similarly, there may be […]
It is essential for every individual to keep aside some amount of his income for a secure future. The art of assigning some amount of money into something, which would benefit the individual concerned in the near future, is called as investment.
An individual can invest in any of the following:
Gold/Silver
Mutual Funds
Shares and Stocks
Bonds
Property (Residential as well as commercial)
An individual should not invest just for the sake of investing. One should understand as to why he needs to invest? Don’t just invest in any plan available in the market. Decide the best plan for yourself as per your income, age and financial requirements. One must go through the terms and conditions before investing in any market plan.
How would one come to know where to invest and where not to invest ?
How would an individual decide which organization’s share would yield him the best results in the near future and which should be sold off immediately ?
Here comes the role of a Portfolio Manager.
An individual who understands the client’s financial needs and designs tailor made investment solutions with minimum risks involved and maximum profits is called a portfolio manager.
A portfolio manager invests money on behalf of the client in various investment tools such as mutual funds, bonds, shares and so on to ensure maximum profitability.
It is the responsibility of the portfolio manager to choose the best plan for his client as per his financial requirements, income and ability to undertake risks.
Portfolio managers charge a good amount of money form their clients for their services. One must be careful while selecting the right portfolio manager.
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