Wealth Management platform <keyword id="3688982" type="General" weightage="20" keywordseo="et-money" source="Orion">ET Money</keyword> is on a mission to break the notion that investing is a complex, tedious task, and convey the message that managing money need not be a struggle, and that it can simplify the process for you and make it fun, rewarding and easy. Its marketing campaigns are aimed at creating a connection with the customers and establishing the message. In an interview, Santosh Navlani, COO, ET Money, discusses more about the company’s branding philosophy, vision and future plans. With a successful association in FIFA 2022, and now a standout ad campaign in IPL, what objectives do you aim to achieve with this marketing campaign? In the FIFA campaign, we actually came on TV after a gap of two-and-a-half years in a very big way. It was a very different campaign compared to what possibly TV advertising has become these days. When we see a newspaper or TV ad today, most of the time it is some kind of promotion by an online company—some kind of cashback or some kind of prize, some kind of discount, like a Big Billion Day, so on and so forth. So every time the ad asks the customer to buy something. Connect in today’s world is completely missing in terms of building a brand association or a connect with the customers. Our entire campaign was about how we build a connect and unlike a lot of communication we see, our’s was a campaign where we did not even promote a product. We did not say come and buy this on ET Money—a mutual fund, or a fixed deposit, or open a retirement account through NPS or subscribe to ET Money Genius. None of this was talked about, it was just a connect with the consumer. Investing in today’s world is becoming such that I need to get more and more involved. At times, the involvement is so great that I forget my job. We all know what happened during the pandemic, the trading activity and the speculation in the market had hit the roof completely, and there were stories that work from home had actually become trade from home! We came to a situation where people got into a habit of tracking the markets, reading the news, reading what investors were talking about, how people are managing money, and looking at tips on YouTube from influencers to make some quick bucks some way or the other. We came in and said that because of this, they were always tracking some form of risk—what was happening in the markets, what is happening in the economy, what does the Fed think about interest rates, and so on. If all these things trouble you and you are doing them because someone else is doing them, then you do not need to worry anymore. When we use an iPhone or Android phone, we don't need to learn electronics engineering. When we move into a new home, we do not need to learn interior design. But why is it that when it comes to investments, we are supposed to learn a lot about investments? Why can’t it be made simple? We thought that if you have to learn all these things to manage your money better, then come to ET Money, because we will take away all these pains and tell you when and where to invest. Whether you come and invest in mutual funds or fixed deposits, it does not matter, what matters is whether we can create good returns for you. In the FIFA campaign, for the first time, we did not promote a product, we promoted a ‘brand thought’ that people actually struggle to manage money because money gives them so much work. We are taking the thought forward in this IPL and manifesting how money actually keeps us busy in many ways. Has handling money become more complex than it is supposed to be? It is about multiple problems people face. Many times, what happens is when you invest and don't make good returns, you actually blame the market. You say, my timing was not right, I chose the wrong stock, or I actually entered at the wrong price. Sometimes, if the market is too volatile, you end up possibly exiting, or sometimes you might basically invest because everybody else is investing and you fear missing the opportunity to make money. So, there are various emotions, various situations that as investors we come across, and those situations sometimes can create positive outcomes, sometimes negative outcomes, and sometimes they just make us feel very bad about ourselves. So the idea is, can ET Money play a role in making investing simple, fun, rewarding, and easy? This is what our proposition is. Whenever you see those films or any kind of brand thought around that campaign, we only want to establish this thing in a bigger way. I don't think we are wanting to make people realize that they need to invest. What we need to make them realize is that to make good returns, you don't need to be a shopper of <keyword id="992168" type="General" weightage="20" keywordseo="investment-products" source="Orion">investment products</keyword>; you just need to be an investor in investment products. What happened in 2020, and in 2021 and even in the first few months of 2022, in my opinion, is that everybody wanted to buy the next big thing — people wanted to buy the next IPO, people wanted to buy the next cryptocurrency, people wanted to buy some NFT, people also wanted to dabble in real estate, people wanted to buy stocks, and they wanted to buy a NFO a mutual fund company was launching, without wanting to think what role the product was playing in their overall wealth, overall savings, and overall financial plan. People just wanted to add product after product to their portfolio. And what has happened is that people have possibly accumulated a lot of junk in their portfolios. It is like what we do every year when the Big Billion sales day happens, we buy things even if we do not need it just because there is a sale, because everyone else is buying something. Lot of people have exhibited the behaviour of buying things without thinking, be it shopping or their investments as well. We want to tell them that you need to be purposeful, you need to have an objective, and you need to basically take a step back and evaluate the need for the product in your financial life. And if you do that, then finance becomes simple. Most people only need five financial products in their lives —- they need to have a good SIP in a mutual fund, they need a term plan to cover their goals if they are no more, they need to ensure their spouse or their kids or their parents have a good life, they need to have a health insurance plan, and a retirement plan, and they need an emergency fund. What message does your TVC convey, and how is it deeply rooted in ET Money's vision? We built the thought that managing money should not be a complex, tedious task that forces you to sacrifice life, or always be engrossed in researching markets, or getting your emotional control right, or always hunting for the right price. So we wanted to break that notion. We want to continue breaking that notion with the TVC as well. The key message always remains singular in our communication — better returns are basically an outcome of you investing in the right product based on corresponding economic conditions. We tell you when and where to invest. And if you do that right, half the problem is solved. Let me give an example. In 2008, if you bought the world’s best equity funds, you would have made negative returns because the entire world fell apart. In March 2020, it did not matter if you bought US markets, European markets, or emerging markets, you would have made negative returns. It did not matter what fund you bought in 2021, you would still have made positive returns. But what mattered in March 2020 and in 2011-12 was if you had gold in your portfolio. So it's about different asset classes; different kinds of investment products perform differently at different points in time, so you need to build a diversified portfolio that suits your requirements. And basically, you can earn better returns by knowing when and where to invest and ET Money only gives you that outcome, and we guide you in that as well via ET Money Genius. If you get your process right when investing, the returns will follow. Most people lose out on compounding because they fall prey to these market events. ET Money Genius helps you solve the problem by extending your time in the market. Everybody says do not time the market, but there are no solutions for that. But ET Money Genius basically gives you tools, products, and benefits where you get an experience of returns in the marketplace, due to which your tendency or likelihood to stay invested becomes longer. What are the future plans of ET Money? We exist to help people make informed investing decisions throughout their lives. I think one of the good things that ET Money as a business model has is that most people who start SIPs and tend to have good experience, actually become lifelong investors. We are sharply focused on catching people early. We are focused on an audience cohort of 28-40 years of age. Just two to three years into the job, you have some kind of disposable income, and some kind of savings coming in. So if we can acquire these people and build a product and scale it to make them stay longer, for an entire working life for the next 30 years, and if they can stay invested, then the relationship between money and the consumer becomes very strong. At any point we exist to help the customer with the four or the five things we talked about. If you have an emergency fund, a term insurance plan, a health insurance plan, and a retirement plan, and you manage all this money really, really well, you can basically do a very good job and retire as a multi-crorepati. We have all these products that play different roles at different times. When you build a financial plan for yourself, you are essentially solving for three risks: risk that you will stay longer than what you plan for, and it has to be hedged by planning your investments well. The second risk is that of dying early. If you do not have a term insurance plan, then your family’s lifestyle may get compromised big time; the educational goals for your children may get compromised big time; and the third is the risk of falling sick often and landing in the hospital. These three risks exist in life, and ET Money’s product proposition is always about whether we can help our customers in such a thoughtful manner that these risks are covered. That’s what continues to be our plan for many years and we plan to build on this in a big way, post-IPL.

‘To make good returns, you needn’t shop for investment products, you just need to be an investor’

New Delhi, Dec 12 () The Bharat Bond ETF received an overwhelming response from institutional players on Thursday with the portion reserved for anchor investors garnering bids worth nearly Rs 3,000 crore, around 1.7 times of the size.
 Bharat Bond ETF, through which the government seeks to mop up Rs 15,000 crore, opened for subscription on Thursday for anchor investors and would open for retail investors from Friday.
 In a tweet, Department of Investment and Public Asset Management said that the new fund offer (NFO) of Bharat Bond ETF was launched on Thursday and the anchor book was subscribed by 1.7 times at Rs 2,980 crore.
 As much as 25 per cent of the initial issue size of Rs 7,000 crore was reserved for anchor investors.
 The offer would remain open for all investors during December 13-20 and investors can subscribe to the ETF with a minimum unit size of Rs 1,000.
 Edelweiss Asset Management Company is managing the issue of Bharat Bond ETF, the first corporate bond exchange-traded fund in the country.
 "Through the ETF, Edelweiss Mutual Fund proposes to raise an initial amount of Rs 3,000 crore with a green shoe option of Rs 2,000 crore in the 3-year maturity period (2023) and Rs 4,000 crore with a green shoe option of Rs 6,000 crore in the 10-year maturity bucket (2030)," Edelweiss AMC said.
 The ETF would invest only in AAA-rated bonds of public sector companies and would have target maturity structures.
 The ETF with a 3-year maturity would follow the Nifty Bharat Bond Index-April 2023 and the one with a 10-year maturity would follow the Nifty Bharat Bond Index-April 2030. SP HRS

Bharat Bond ETF: Anchor investors put in bids worth Rs 3,000 cr

New Delhi, Apr 22 () Sebi will look into issues being faced by corporates due to COVID-19 and consider more steps to help them tide over the challenges as part of its continuing efforts to make it easier to do business even in such difficult times, the regulatory body's chairman Ajay Tyagi told representatives of India Inc on Wednesday. In a conference call with the apex industry body CII (Confederation of Indian Industry), Tyagi apprised the industry leaders of various steps already taken by the Securities and Exchange Board of India (Sebi) and promised to look into various issues raised by them. Sources said CII appreciated a number of proactive efforts being taken by Sebi, which in turn promised to consider more steps to help the industry tide over the challenges posed by COVID-19 and the nationwide lockdown. CII's President Vikram Kirloskar, President-Designate Uday Kotak and Director General Chandrajit Banerjee were among the industrialists who attended the conference call, while Tyagi was also joined by other senior officials from Sebi. Several issues concerning the industry in light of the lockdown due to COVID-19 were discussed in the meeting. Raising of capital by corporates, holding annual general meetings, disclosure requirements, buybacks of securities, matters concerning mutual funds were some of the major issues discussed in the meeting, according to an official privy to the development. The conference call helped both Sebi and CII understand the concerns, the official said. Sebi has taken several proactive measures in easing the burden of corporates in regulatory compliance by introducing relaxations like extension of date for filings to be made to stock exchanges like quarterly and annual financial results, corporate governance report, shareholding pattern, etc, for listed entities. The regulator has also granted a one-time relaxation in its primary market fund-raising norms to make it easier for companies to raise capital amid the COVID-19 pandemic. Rights issues are now considered successful if the minimum subscription received is 75 per cent, as opposed to 90 per cent earlier. Further, in case of fast track issues, the eligibility criteria of average market capitalisation of public shareholding of the issuer has been relaxed to Rs 100 crore from the earlier Rs 250 crore. Sebi has also extended the validity of observation letters issued by it for initial public offerings (IPOs) and rights issues as well as new fund offer (NFO) documents for mutual funds by six months. "These measures are aimed at improving access to funding to corporates through capital markets," the official said. Sebi has also given relaxations for market intermediaries such as stock brokers, depository participants and share transfer agents (RTAs). Deadlines for implementation of stewardship code for mutual funds, overhaul of regulations governing portfolio management services (PMS), mutual funds and alternative investment fund have been extended too. To ensure orderly functioning of the market, Sebi has put in adequate risk management measures in place. BJ HRS

Sebi chief hears out industry, promises more steps to help corporates tide over COVID-19 challenges

New Delhi, Dec 4 () The government's decision to launch an umbrella debt exchange-traded fund will provide a better opportunity to retail investors for participation in quality public sector bonds at an affordable cost, experts said on Wednesday.
They further said the move would also help in deepening and widening the participation in the Indian corporate bond market.
The Union Cabinet has approved the launch of exchange traded fund (ETF) for bonds to create an additional source of funding for Central Public Sector Enterprises (CPSEs) and state-owned financial institutions.
The New Fund Offer (NFO) of this ETF is expected be to launched during December itself. 
Bharat Bond ETF would be the first corporate bond ETF in the country.
 "It's a historic occasion for retail investors as also for the Indian corporate bond market, for retail investors as they would now be able to invest in an altogether new liquid avenue in quality Public sector Bonds, through the very low-cost ETF structure," N S Venkatesh, Chief Executive at AMFI said on the Cabinet approval to bond ETFs.
 "And for the economy, as the country's first exchange-traded bonds belonging to quality public sector enterprises bundled in a liquid low-cost ETF structure, would help in deepening and widening the participation in the Indian corporate bond market," he added.
ETF will be a basket of bonds issued by state firms or any government organisation, and will be tradable on exchange. The unit size will be of Rs 1,000, which will allow small investors to invest.
Edelweiss Asset Management Company (AMC), which will manage the government's debt ETF, said Bharat Bond ETF will be a diversified basket of public sector company bonds aimed at providing easy access for retail investors to invest in these bonds and bringing liquidity in the corporate bond market. 
"It will also help these companies with new source of funding. Initially, the ETF will have two maturities -- 3 years and 10 years -- and will invest in bonds of similar maturities," Edelweiss AMC CEO Radhika Gupta said.
 Rating agency Icra VP and Sector Head- Financial Sector Ratings Anil Gupta said lower ticket size of bond ETF is likely to provide better opportunity to retail investors for participation in corporate debt market with lowest credit risk as the underlying investments are proposed to be in 'AAA' rated PSU debt securities.
"As these securities are proposed to be listed on stock exchanges with involvement of market markers, this will also provide liquidity to the investors. A three-year debt ETF is comparable with a three-year fixed maturity plans (FMPs), however unlike FMPs, which have limited secondary market liquidity, ETFs are expected to have secondary market liquidity," he added.
 Gupta further said investors may however be mindful of the risk which these ETFs will have because of interest rate movements, as during an increasing interest rate cycle, the market price of the ETF units will decline. 
 Interest rate risk will however be lower in shorter tenure ETFs, and if held till maturity, the interest rate risk will also be mitigated as the ETFs will be redeemed at face value on maturity.
"Bharat Bond ETF from Edelweiss AMC offers greater opportunities to invest in debt investments at an affordable cost. This is a positive development as far as Indian debt market is concerned," said Tarun Birani, founder and CEO of TBNG Capital Advisors. 
Moreover, of the total mutual fund assets under management of Rs 25 lakh crore, share of MF debt is about Rs 11 lakh crore and this shows the potential for this opportunity, he added. SP

 
 
 
 
 
 ANU

Debt ETF to give opportunity to retail investors to invest in quality PSU bonds: Experts

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><a href="https://www.flickr.com/photos/bagogames/29826475976">BagoGames / Flickr</a>'La La Land.'</div></div></div>Pirate versions of movies nominated for awards are starting to leak online ahead of Hollywood's awards season."Screeners" of critically acclaimed films like "Arrival" and "La La Land" have appeared on piracy websites in the last few days, and more are likely to follow.This is an annual problem for Hollywood. Ahead of the Oscars, the BAFTAs, the Golden Globes, and everything else, the judges for these events are sent out review copies, or screeners, of the films to watch - and some inevitably make their way online.So far in 2017, there have been five major leaks, <a href="https://torrentfreak.com/more-pirated-movie-screeners-leak-online-170115/">according to torrenting news site TorrentFreak</a>: "Arrival," a drama about first contact with aliens; "Hidden Figures," a historical true story about NASA; "Patriots Day," a thriller about the Boston Bombing, "Moonlight," the story of a boy growing up in Miami; and "La La Land," a romantic musical comedy.There have been comparatively few leaks compared to last year's awards season (so far), when a single group called Hive-CM8 leaked more than a dozen of 2016's top movies, including James Bond movie "Spectre," "Legend," "Steve Jobs," "Creed," and Quentin Tarantino's "The Hateful Eight" - <a href="http://uk.businessinsider.com/piracy-group-hive-cm8-stops-pirates-panic-quentin-tarantino-hateful-eight-screeners-2015-12">before it even came out in the cinemas</a>.<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><a href="http://uk.businessinsider.com/pirate-group-hive-cm8-publish-apology-leak-the-big-short-2015-12">The Weinstein Company'The Hateful Eight' was one of the most high-profile screener leaks of 2015/16.</a></div></div></div>The group subsequently put out a bizarre apology in broken English, making the claim that it leaked the videos to help people who are unable to go to the cinema.The statement read: "We wanted to share this movies with the people who are not rich enough or not able to watch all nominated movies in the cinema. Of course this files are not representing how they can be enjoyed in the cinema,""As said in our nfo, pleaase support the producers and watch all movies in the cinema on a big screen, like you should anyhow. The Producers need the money from ticket sales to get back the production costs."But that hasn't stopped Hive-CM8 making a return this year. It was behind the leak of "La La Land." In the description accompanying the release on torrent sites, the group appeals for people who have access to more unreleased screeners to get in touch, and says it doesn't plan to publicly release everything it has."We are looking for the guys sitting at home with all the 30 discs and posting pictures all over the net,but not sharing with anyone," the group wrote. "Not sure why you are hiding it can be done safe and secure, for private viewing only if requested ... We are not going to do them all for public this year, sorry, but we do want to have them all!!"Of course, movie studios aren't happy to see these screener leaks happen - and will include anti-piracy measures with the films to try and prevent it. The screener DVDs might contain DRM (digital rights management) software that tries to prevent unauthorised copying taking place. And the films will often have unique watermarks, so that if one leaks, the studio can (in theory) trace it back to whoever was sent that particular watermarked version.But every year, some screeners leak nonetheless - and these leaks are often some of the best films of the year, because those are the ones being sent to awards judges for consideration. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/why-iphone-8-better-than-7-rumors-7-2016-12">Forget the iPhone 7 - here are 11 reasons the next iPhone will blow everyone away</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="hjOGpsODE6OFSNEzPzsiuHzXatNw1z13" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Pirate copies of this year's big Hollywood movies are leaking online ahead of awards season

<div class="KonaFilter image-container display-table float_right"><div><div class="image">The Weinstein CompanyThe poster for "The Hateful Eight."</div></div></div>The piracy group responsible for leaking more than a dozen of the year's top movies say it is "sorry for the trouble we caused."Going by the name Hive-CM8, over the last two weeks the group has been releasing high-quality versions of films including James Bond movie "Spectre," "Legend," "Steve Jobs," "Creed," and "Bridge of Spies."Hive-CM8 started with "The Hateful Eight," the latest blockbuster from Quentin Tarantino - which it leaked a full week before it even came out in the cinemas.<a href="http://uk.businessinsider.com/quentin-tarantino-the-hateful-eight-leaks-online-piracy-download-screener-2015-12">The group claimed to have a jawdropping 40 films in its possession</a>, to be leaked online one-by-one.But Hive-CM8 fell silent after someone posted potentially identifying information about one of its members online, <a href="http://uk.businessinsider.com/piracy-group-hive-cm8-stops-pirates-panic-quentin-tarantino-hateful-eight-screeners-2015-12">causing pirates to panic that it had been scared off doing any more releases</a>.Turns out, this isn't the case. Hive-CM8 has leaked two new films, "Anomalisa" and "The Big Short" - and put out a statement in broken English explaining its position and offering Quentin Tarantino a bizarre apology."We didn't plan to comment at all on recent events," Hive-CM8 says, "but we feel now that we should."The group argues it leaked the videos to help people not able to go to the cinema - and that if you can, you should support the studios. "We wanted to share this movies with the people who are not rich enough or not able to watch all nominated movies in the cinema. Of course this files are not representing how they can be enjoyed in the cinema."As said in our nfo, pleaase support the producers and watch all movies in the cinema on a big screen, like you should anyhow. The Producers need the money from ticket sales to get back the production costs."The next part of the statement discusses "The Hateful Eight," the group's first release this holiday season. "We feel sorry for the trouble we caused by releasing that great movie before cinedate even has begun. we never intended to hurt anyone by doing that, we didnt know it would get that popular that quickly."The Hateful Eight is an excellent,thrilling and entertaining Western that combines terrific direction,a fantastic cast, a wonderful script, beautiful photography and a memorable score. All of those elements make The Hateful Eight an unforgettable film that is Quentin Tarantino at his best."In the description for the release of "The Big Short," the group says that it "held back this title till 1 week after cinema premiere to give the movie a fighting chance to play in the budget, we learned from our mistake."Hive-CM8 even makes the strange argument that its piracy crusade helped the movie studios. "Since everyone is now talking about [The Hateful Eight] we dont think the producers will loose any money at cinedate, and we tell you now why. We actually think this has created a new type of media hype that is more present in the news,radio and in the papers than starwars, and the promotional costs for this were free.""If lets say 5% of the people planned to watch this movie at cinemadate, due to this media push we unintenionally created, we believe that now 40% of the people will watch this movie in the cinema cause everyone is talking about it and everyone wants to see the movie that created so much noise.""This will push the cinema tickets sale for sure."But how did the team behind the piracy group manage to get their hands on the files in the first place - many before their theatrical release? It's all down to the time of year: awards season. With the Oscars, the BAFTAs, and other big movie award ceremonies coming up, judges are sent out DVDs of the films (called "screeners") for their consideration.Inevitably, some of these make their way online every year - although it's unusual for one group to have such a huge haul.Hive-CM8 claims that its files were not stolen by hackers, as some had speculated. "We got the copies sold from a guy on the street, no decryption was needed."The file for "The Hateful Eight" has been <a href="http://uk.businessinsider.com/the-hateful-eight-piracy-leak-andrew-kosove-report-alcon-hive-cm8-2015-12">traced back to Hollywood executive Andrew Koseve</a> (although there's no indication that Koseve had anything to do with the leak). The source of the other leaked movies has yet to be identified.Hive-CM8 doesn't appear to have "Star Wars: The Force Awakens," undoubtedly the biggest cinematic event of the year. Currently, the only pirated versions of the movie online are low-quality videos recorded by cameras in the cinema.It doesn't look like pirates will get all 40 promised movies from Hive-CM8 - despite claims it is helping the studios. "Sorry it was around christmas we didnt plan that at all either, we wont do another movie before its cinedate," they conclude, "and we def wont go up to 40 as planned, we think we have done enough already."<h2>Here's the full statement from Hive-CM8:</h2>We didnt plan to comment at all on recent events, but we feel now that we should.Sorry to disappoint M but there was no hack or any such thing . we got the copies sold from a guy on the street, no decryption was needed. we were definately not the only ones.cpl other movies have been on the net days before, not done from usSo we wanted to share this movies with the people who are not rich enough or not able to watch all nominated movies in the cinema.Of course this files are not representing the movies how they can be enjoyed in the cinemaAs said in our nfo, please support the producers and watch all movies in the cinema on a big screen, like you should do anyhow.The Producers need the money from ticket sales to get back the production costs.As for Hateful Eight Movie:We feel sorry for the trouble we caused by releasing that great movie before cinedate even has begun.we never intended to hurt anyone by doing that, we didnt know it would get that popular that quicklyThe Hateful Eight is an excellent,thrilling and entertaining Western that combines terrific direction,a fantastic cast,a wonderful script,beautiful photography and a memorable score.All of those elements make The Hateful Eight an unforgettable film that is Quentin Tarantino at his best.Since everyone is now talking about this movie we dont think the producers will loose any money at cinedate, and we tell you now why.we actually think this has created a new type of media hype that is more present in the news,radio and in the papers than starwars, and the promotional costs for this were freeIf lets say 5% of the people planned to watch this movie at cinemadate, due to this media push we unintenionally created, we believe that now 40% of the people will watch this movie in the cinemacause everyone is talking about it and everyone wants to see the movie that created so much noise.this will push the cinema tickets sale for sure.we really hope this helped out the producers in the longrun, so that the production costs are covered and morewe also think that the hateful 8 movie is the top candidate for the awards and will win by a mile over othersthx tarantino for this wonderful moviesorry it was around christmas we didnt plan that at all either, we wont do another movie before its cinedate,and we def wont go up to 40 as planned, we think we have done enough already.cheers <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/apple-advanced-technology-might-replace-iphone-gene-munster-2015-12"> Apple wants to replace the iPhone with this advanced technology</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="h0Y3VpeTpbz7ksQXWbEaIv9BYvg3y9up" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

The pirate group that leaked Quentin Tarantino's new movie just published a bizarre apology

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>With the NFL Draft less than four weeks away, a new player is making a run as the potential No. 1 pick.In recent weeks, 21-year-old defensive back Jalen Ramsey has been sneaking up NFL draft boards and making a case as the top pick.In mid-February, <a href="http://www.businessinsider.com/nfl-mock-draft-consensus-first-round-picks-2016-2">draft experts had Ramsey in the top five</a>, usually around the No. 3-5 pick. However, after an impressive pro day, the Florida State defensive back suddenly finds himself earning consideration as the best player in the draft, which could have him going to the Titans with the first pick.While Ramsey is mostly seen as a cornerback, at 6-foot-1, 210 pounds, he can&#xa0;move around the field, including playing as a middle-of-the-field safety, guarding slot receivers, or stopping runs. This versatility is what makes him extremely appealing to teams and perhaps too good to pass up.And if Ramsey goes first, it will demonstrate the direction the NFL is heading. <a href="http://mmqb.si.com/mmqb/2016/04/03/colin-kaepernick-trade-broncos-49ers-titans-jalen-ramsey-nfl-draft">As Sports Illustrated's Peter King noted</a>, the number of snaps where a team had five or more defensive backs on the field at the same time has been rising for seven years. Additionally, last season, the NFL saw a record in touchdown passes and completion rate. With passing on the rise, teams need a player capable of making defensive plays.Ramsey might not just be capable of making plays - he could have game-changing skills. <a href="http://www.tennessean.com/story/sports/nfl/titans/2016/04/02/why-titans-might-make-draft-history-jalen-ramsey/82527504/">According to The Tennessean's John Glennon</a>, a defensive back hasn't been taken with the first pick since 1970. Yet&#xa0;NFL Network's Charles Davis has Ramsey as the No. 1 pick in <a href="http://www.nfl.com/draft/2016/mock-drafts/charles-davis/305656">his mock draft</a> and told Glennon that Ramsey that the Titans should consider him."I will say that having talked to people in Tennessee, I'm firmly convinced he's in the discussion about whether they pick him at No. 1 overall," Davis said. "It's in the discussion because he has that type of playmaking ability."Pro Football Focus, which had Ramsey as the fourth pick in February, now has him as <a href="https://www.profootballfocus.com/blog/2016/03/02/draft-mock-draft-4-0-jalen-ramsey-surges-to-no-1-overall-pick/">the No. 1 pick in their most recent mock draft</a>. They gushed over his potential, saying:He's an excellent all-around football player as he can cover, tackle and play the run. For the Titans, he will excel as a zone corner where his length and athleticism allow him to compress passing lanes as he develops his skills as a press man coverage cornerback. He has the size and length to become one of the league's best, and given his domination at the combine, the physical attributes are there as well.<a href="https://www.youtube.com/watch?v=bYT2MyMmZ6U">According to NFL Network's Albert Breer</a>, Ramsey wowed at his pro day, so much so that a team drafting later in the top 10 told him, "Guess we won't have a shot at you."Ramsey showed off his 4.41 40-yard-dash time and his 41-inch vertical in drills:<div></div>ESPN's Mark Dominik, a former NFL GM, told Glennon that Ramsey has to be in the discussion&#xa0;for the top pick "just because the way the game is being played now as a passing league.&#xa0;When you can find a player with his skill set, you have to have strong consideration."Even current NFL passers understand the affect Ramsey could have. Jameis Winston, who played with Ramsey at FSU, <a href="http://www.pewterreport.com/articles/winston-would-love-to-see-bucs-draft-ramsey/">recently told Mark Cook of the Pewter Report</a> that the Tampa Bay Bucs should move up to draft Ramsey, saying "People talk about his position. But Jalen is the best cornerback, safety… I will take a pay cut to play with him again. He has a fierce mentality."Taking Ramsey first would be a leap for the Titans, particularly because teams have had success at finding cornerbacks&#xa0;late in the draft. However, Ramsey is making his case, and the Titans, who are rumored to be shopping their pick, might become too enamored with Ramsey's skills to pass him up. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/basketball-players-incredible-journey-2016-3">Basketball player Cady Lalanne was deported to Haiti - now he's back and headed to the NBA</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="htb2IzMjE6jaZE8EmUCNm47DvwDjJyu9" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

A 21-year-old defensive back is climbing up NFL draft boards - and it says a lot about the current state of the NFL

“Mutual funds investments are subject to market risks, please read the offer document carefully before investing’ goes the oft-repeated statement.” 
	 
This warning that is written on all mutual fund investment documents and websites, just like they write warnings on cigarette packs, yet mutual fund investors ignore this caution primarily because people like you or me are not generally aware of the risks involved in mutual funds. This article would cover various market risks involved in mutual fund investments and also share tips on how you can reduce them. 
 

	Types of risks
The market risks are of two types. One type is of market risks are the ones that you, as an investor, can do nothing about. These are called systematic risks; these could be political factors, exchange rate fluctuations or even bad weather. Contrary to what you may have heard, these are difficult, if not impossible to predict or avoid. The second type is of risks are those that you can manage by diversification strategies. Generally, in a mutual fund, these risks are taken care of by your fund manager but you should be aware of them nonetheless. We can categorize them further into three broad types: business risk, concentration risk and liquidity risk. 
 
· Business risk: A sudden strike in the auto sector is an example of business risk. Poor financial performance of a company is another example. A fund manager mitigates this by diversifying across companies and sectors. 
 
· Concentration risk comes in when a mutual fund invests too large a proportion of its money in a single stock or sector. Sector funds, by definition, suffer from concentration risk because they invest in a single sector. 
 
· Liquidity risk arises if a fund cannot quickly convert its investments into cash, either in response to a redemption demand by investors or as part of portfolio rebalancing. Mutual funds investing in small cap stocks face this risk. 
 
 
 
What can you do about this, now that you know? 
Be careful while picking mutual funds. Ensure that you invest in large well-diversified equity funds. If you invest in specific sector or small/mid cap funds, do it with full knowledge of attendant risks. 
In our experience, mutual fund managers do a good job of managing risk. The biggest risk to an individual investor investing in mutual funds comes from faulty investment practices. And there is a lot you can do about it. 
 
Reduce risk by reducing mistakes 
Investing by definition involves exposing yourself to ‘risk’. The best you can do is: minimize risk. Having decided to invest via mutual funds, and not directly into stocks, is step 1 of minimizing risk. You are saying, “Let me entrust the task of investing to people more capable than me, and who do it fulltime”. 
 
But most investors still make lots of simple errors while investing in mutual funds. Let’s look at common errors, so can you avoid them. 
 
1. Investing with expectation of very high returns 
In an earlier section we talked about what the long-term expected returns from various asset classes are. However, we continue to see investors choose investments with expectation of unreasonable (40-50%) returns. This is just not going to happen and in an attempt to generate that return, you are likely to be misled into investing in funds that have shown a temporary blip in performance. 
Look at returns of funds over a minimum 5 year period. A 2-3% outperformance for equities and a 0.5-1% outperformance in debt funds is the best you can expect and you should be aware of that. 
 
2. Investing without understanding of underlying investments 
You already know that all mutual funds are not the same. Depending on which asset class and category of assets they invest in, you will get different returns with different behaviours. Debt funds offer lower but steadier return. Equity funds offer higher but more volatile return. 
 
Taxes saving funds (ELSS) are essentially equity funds and have the same return and risk profile. 
 
With this course, you should have enough knowledge to understand how the returns from a specific type of mutual fund will vary. 
 
3. Investing in NFOs “at par” or funds with “low” NAV 
Some investors believe lower the NAV (Net Asset Value) of a fund, the better value it provides. In other words, a fund with an NAV of Rs 20 is “cheaper” than another with an NAV of Rs 30. This belief is, perhaps, a mistaken application of the value-investing principles of equity investing. 
 
So, often such investors invest into a New Fund Offering (NFO) at par value or Rs 10, thinking they are buying value. 
 
But as you already know, from this course, that it makes no difference whether the NAV of a fund is high or low. In fact, older funds, with a longer track record, will always have high NAV and you are better off choosing those rather than a new fund with lower NAV but no track record. 
 
4. Investing for “dividends” 
We often see advertisements by mutual funds declaring dividends. Some investors are misled by these and think higher dividends reflect good performance. In the case of mutual funds, dividend declaration is nothing more than a book entry. Dividends are not interest but repayment of capital. Therefore the fund’s NAV falls to the extent the dividends are paid out to its unit holders. In fact, a growth option where you withdraw the money when YOU need it is better for you from a tax perspective. 
 
Conclusion 
Understanding market risk is important, but if you have chosen the asset class that best meets your objectives, you can trust the fund manager to manage the market risk for you. 
As an investor, you should focus on things you can control which are: Choosing the right mutual funds; following the correct process for investing; and reviewing your investments every year. 
 
(About the author: This article has been contributed by Sanjiv Singhal, CEO, <a href="http://scripbox.com/" target="_blank">scripbox.com</a>.) 
 
(Image credits: www.economictimes.com)

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