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The mutual funds have long been considered the perfect way of investment and a way of further rolling on money in company securities. The funds are made to be available to the public on a regular basis. This is what can serve as the basic definition of mutual funds. The open-end investment companies are what serve as the main promoter of such mutual funds.

Availability and Types:

Thorough professionals to mere beginners the mutual funds have its appeal reserved for all in its own unique way. The availability and types of the mutual funds that are currently in the market are diverse and plentiful. It is quite natural for eager investors to find themselves lost at this abundance wondering where from to start investing.

Before delving further in the likely parameters that one is to consider before investing in mutual funds, a quick look can be set forth at the available types. When mutual funds have found worldwide popularity, it is but natural that the types of mutual funds in India will also find some takers. The mutual funds are more commonly found in 3 possible types;

• The large cap
• Mid-cap and
• Small cap.

The cap term, it may be said is derived from the market capitalization. The capitalization is said to be the reference to the rupee value of the total outstanding number of shares for a company. The market cap gives away a lot of detail on the company’s financial strength.

The blue-chip companies are the ones that have large cap stocks. These companies have a high percentage of liquidity. The mid-cap stocks belong to the companies that have a good liquidity level but are medium in terms of financial strength and size. The small cap stocks enjoy the least amount of liquidity being small. The stocks are divided suitably in terms of sizes for easy segregation. The division happens based on market capitalization. The top 50 stocks are the large caps, while the next 200 in terms of this capitalization is mid-caps. The final 500 to follow are the small cap stocks.

This can be further emphasized by the Indian standards of labelling mutual fund stocks. The Nifty 50, Nifty Mid Cap 100, Nifty Small Cap 100 or BSE 500 is one such label. It is quite a surprising fact that the caps are very much proportional and dependent irrespective of their size. Thus if the large cap stocks are doing well, there is a likely chance that the midcap and the smallcap funds will also yield good results. On the other hand, a negative return is also likely to fetch bad results in most occasions.

A Couple of Points to Note:

It has been found by investors over the length of time some aspects that are very well associated with probabilities and facts which are more of conclusions. These can be, firstly, the mid and small cap mutual funds are more volatile than the large caps. Different fund investment should be avoided in all circumstances. For people eyeing a particular time when the market is likely to revive, short and medium cap funds are the best investment option.

Although there has been a steep fall in the entire real estate market a couple of years back, it has shown enough prospects to redeem that and evolve strongly to make up for the loss. Not just the residential real estate market, but even the commercial one, has been subject to several setbacks. But as 2016 emerged, there were a number of interwoven aspects that bode well for the savvy investors and encouraged them to step out and take the measuring step towards investment. Apart from this, there were even some intensifying economic, demographic and technological trends which helped them giving the boost as well. As far as the economic side of the nation is concerned, the U.S. Federal Reserve has made it clear this December that the central bank finds U.S. real estate market growth to be stable than the last year. However, the underlying inflation is extremely tame in the United States and major emerging markets, it provides no impetus for the significantly higher rates.

Since most of the big time investors go for prior suggestions, they always prefer having the advice of experts like Gene Bernshtam.He has been the CEO of a number of companies, and currently holding the leading position of Avalon Holdings LLC which is a commercial real estate investment and development firm and specializes in the apartment building and mixed properties. The overall focus of the company includes investment, development, management, repositioning the real estate assets that are under performing for a long stretch and even consulting services. Houses are always meant to be a place of love, and hence they have focused recently on expanding in Chicago and Miami to deliver their clients the house they love.

But the current years have seen that they are some changes in the trends of places which have been developing as the real estate sectors. With the next few years, most of the millennial are expected to choose and vacate the heavily urbanized centers and opt for the suburban living situations. Since the nuclear families are more in fashion, people obviously look for small homes which might not be amply spacious, but cozy enough to live. Even they search for the transit-oriented places which have all the amenities nearby. Now since finding this serenity and loneliness is not possible for the people in the hi-tech cities, the suburban centers have been the focus of most of the home owners.

The U.S infrastructure in all traditional sense has been failing over the years to meet the demand and quality standards. Since the urban centers are getting congested every single day, it is getting tough for businesses and commuters to meet the levels of expectation. Factors like inefficient transit systems and low walk-ability scores have been hurting the economy. As far as the business houses are concerned, even they can’t retain their employees. As a result of it, there has been increased investment in developing the infrastructure and make the place a better living place.Eugene Bernshtam finds this policy to be highly beneficial for the real estate sector as that has already started drawing more and more investors in the field.

There might be multiple ups and downs, but fighting it hard has been the trait of real estate industry. This attitude helps this particular strong to grow stronger even in the days to come.

The United Kingdom is in a serious turmoil right now, especially on the international level, with Britain’s exit from the European Union now in motion. Naturally, this is going to have a massive impact on the country, and with the passage of time, the effect will be felt by the common man. Already, property values are plunging, especially since the pound weakened against the dollar in the international markets. Many people, especially real estate investors, pulled out millions of pounds from the real estate market just before the news came to light, fearing the worst.

Their fears have proven true as well; Britain signed the document triggering Article 50, thus starting the process of withdrawing from the European Union. Now, if you have a lot of money lying around, you should seriously consider looking for alternate investments to property in Cape Verde or other international markets. There are many blooming regions throughout the globe that are suitable for investment, and you could see a major increase in the value of your investments if you do it right.

Why Cape Verde?

Cape Verde is a small island country that is situated right in the centre of the Atlantic Ocean. It lies almost 600 kilometres from the coast of West Africa, and is a very popular tourist destination. Each year, this small island country attracts millions of people from all over the globe, who visit this place to enjoy the amazing culture and the beautiful sights of the country. However, with the influx of people who are now settling into Cape Verde, international property developers have started hundreds of different projects here.

In fact, for people who are looking to invest their money in the property development scene of Cape Verde, there are some developers who offer returns of up to 12%. However, keep in mind that investing money in the international property markets is not the same as investing money in your local markets, and you will need an experienced international property management company by your side.

How to Invest Money in the International Markets

While the profit margins are quite high, you should know that there is also a great deal of risk when putting money in the international markets. As a result, it is best if you first contact a private company that can handle the investments on your behalf. The company will help you identify innovative and engaging opportunities that offer the best returns and provide virtual guarantees on your capital. You can invest in leading properties in Cape Verde that are designed to attract people all throughout the year. Having a stake in a five-star property that is guaranteed to give you solid returns over the course of the year is a fantastic idea, and will ensure that your money is actually put to good use. You can also go on an inspection tour with one of the company’s agents to see the property for yourself before you decide to put your hard-earned money into the development.

A period of 3-5 years is considered long when it comes to long-term investment in mutual funds. You can have longer time spans than these, but it’s better to go by 3-5 year as they show good return values. Another thing you can do is mix it up in your mutual fund’s portfolio so that you can have multiple funds sitting in various time spans. India has seen a high rise in mutual fund investors in a short period. Not long ago we were skeptical about the investment options available in our country, largely because we weren’t familiar with the investment options available. But the low-cost options to invest in mutual funds have made the processes very attractive to the youth as well as the elderly. Since now people can start spending from as low as Rs. 500/- on mutual funds, more and more people have begun investing in mutual funds, read this to know more about the low-cost investment options available in the country.

It has been found that the age group who invest in long-term mutual funds are aged between 30 and 50. This shows the mature side of the population. The logic behind this trend is that when you invest for such a long span of time, you will be generating income from your daily job and profit from the investment. The key factor is knowing where to invest. The answer can’t be said in a single word. The profit or loss of a share depends upon the commodity you are investing upon. Before investing in a certain mutual fund, check out their previous track record. Study their performance in the past few months or past few years if the data is available. This gives the overall information about their market trend performance. If it is in a steady state of rising, by all means, you can invest in them. But if negative fluctuations are high, it’s better not to take the risk.

Here is a comprehensive list of the best long-term investment options available to the public as of 2017.

Large cap:

1. SBI Bluechip Fund: SBI Bluechip Fund has a return value of 19% for a five-year plan and 20% for a three-year plan, as of March 2017. The investments have very low risk and high return grade.
2. Birla SL front line Equity Fund: another good mutual fund scheme, having a return value of 19% for a five-year plan and 17% for a three-year plan, as of March 2017. The investments have below average risk and above average return grade.

Diversified:

1. Franklin Prima Plus Fund: This scheme has a return value of 18% for a five-year plan and 21% for a three-year plan, as of March 2017. The investments have low risk and above average return grade.
2. ICICI prudential value discovery fund: This scheme has a return value of 24% for a five-year plan and 27% for a three-year plan, as of March 2017. The investments have below average risk and high return grade.

Mid-cap and small-cap Equity

1. HDFC Mid-cap Opportunities Fund: This scheme has a return value of 25% for a five-year plan and 30% for a three-year plan, as of March 2017. The investments have below average risk and above average return grade.
2. Franklin Smaller Companies Fund: This scheme has a return value of 31% for a five-year plan and 34% for a three-year plan, as of March 2017. The investments have low risk and average return grade.

Equity Linked Saving Scheme (ELSS)

1. Franklin Tax Shield Fund: This scheme has a return value of 18% for a five-year plan and 21% for a three-year plan, as of March 2017. The investments have low risk and average return grade.
2. Axis Long Term Equity Fund: This scheme has a return value of 22% for a five-year plan and 22% for a three-year plan, as of March 2017. The investments have low risk and high return grade.