Pages

Search This Website

Wednesday, 30 June 2021

Home Learning Study materials Video |Standard 05th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 05th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21 
STD 5 GYANSETU  HOME LEARNING VIDEO

Top 12 BEST Data Recovery Services (2021 Review) 

List and comparison of the top-rated data recovery service provider companies in 2021:

In today’s digital world, data storage devices play a very important role in our professional as well as personal lives.

Whether it is an important professional document on a hard disk drive or medical data on a USB flash drive or photos and videos on an external hard drive, we store every bit of vital information on one or the other data storage device. We think that the data is always safe and available to us whenever we need it.

List of Top Data Recovery Service Providers



Comparison of Top Five Recovery Companies

#1) Stellar Data Recovery
#2) Ontrack
#3) Gillware
#4) SalvageData Recovery
#5) Drivesavers
#6) Secure Data
#7) Seagate In-Lab Recovery
#8) WeRecoverData
#9) Disk Doctors
#10) DataTech Labs
#11) SERT
#12) Data Mechanix
#13) Ace Data Recovery

Why We Need Data Recovery Service

Sensitive information stored on these devices is not secure unless you take regular backups. Data stored on any storage device is prone to damages due to wear and tear of the mechanical parts in these devices, mishandling, or various other reasons. Facing a data loss situation either for professional or personal data is no fun.

Professional data recovery service is the process of recovering inaccessible, lost, corrupted or formatted data from various storage devices such as Hard Disk Drives (HDD), Solid State Drives (SDD), USB Drives, External Hard Drives, mobile phones, etc.

There can be multiple reasons for a storage device failure such as:

Virus attack
Formatting
Deletion
Corruption
Physical damage
Mechanical failure
Natural disasters such as fire and flood
Further reading => Best Data Recovery Software Tools

Data Which Can be Recovered

It is important to understand that the data which is accidentally deleted or formatted still exists on the hard drive somewhere. Only the storage space where the data was stored is marked as available to store the new data.

Hence, data recovery is possible from such a storage device. The important point is to stop using the drive. It is also possible in case the hard drive is not detecting, inaccessible, or has physical damages.

For maximum recovery, the hard drive must be handled by specially trained professionals in humidity, temperature, and the contaminant-controlled environment – commonly known as a Cleanroom. For complicated tasks such as physical damages or undetected hard drive, the recovery process is complex and needs specialized equipment and skills.

Data Which Can’t be Recovered

Although some service providers may claim 100% recovery is possible, you as the buyer need to understand that even with the latest equipment and advanced technology such figures are impossible to achieve. Similarly, there are some situations where data recovery is not possible. For example-

If the data was overwritten with new data, it can’t be recovered

Data can’t be recovered from a smartphone that has been factory reset.

In case of physical damage to the hard drive, if the data has been physically scrapped from the platter, it can’t be recovered.

If the HDD operating system, also known as firmware, is damaged then also the data can’t be recovered.


Pricing

As each data loss situation is unique, pricing for data recovery services can vary. When you visit a recovery service provider in case of data loss, they will ask you to fill a form and provide details of the device, damage type, physical condition of the device, and the data you want to recover. You need to provide file formats, the volume of data, etc.

Most recovery service providers offer a free evaluation of the device. Based on the information you provide and the evaluation, they will provide an estimate for the cost as well as what they can probably recover.

Pro Tip: To select the right provider for your data loss situation, you need to consider the provider’s experience, quality of their lab or Cleanroom, privacy/security of your data, and the cost. Best providers have ISO certified Cleanrooms to work on the disk drives. These Cleanrooms are temperature, humidity, and contaminant-controlled environments as prescribed by the drive manufacturers.

For example, an ISO 5 Class 100 Cleanroom allows 100,000 particles (0.1 microns or larger) per cubic meter, and an ISO 4 Class 10 allows 10,000 particles per cubic meter. Hence, an ISO 4 Class 10 Cleanroom is cleaner than an ISO 5 Class 100. Details of ISO Cleanroom standards are given in the table below.

ISO 14644-1 Cleanroom Standards

ISO 14644-1 Cleanroom Standards

Points to Remember in Data Loss Situations

When your hard drive or any other storage device becomes inaccessible, or there is any physical damage to it, it is crucial that you don’t panic. In this situation, you should know what you should NOT do rather than what you should do. While facing data loss, please refrain from the following:

Do not tamper with or mishandle the storage device. This is one of the primary causes of permanent data loss.

Do not format the storage device, it might make data recovery more difficult.

Do not store any new data on the storage device. It will overwrite the old data and will make recovery impossible.

If your hard drive is making a scraping, tapping, clicking or humming sounds, please do not use any recovery software it might damage the drive further.


Do not change electronic components as this may cause permanent data loss.

Any of the above activities might make recovery more tedious and expensive process or cause irrevocable data loss. To recover data from a failed data storage device, it is recommended that you stop using the device immediately and get help from a recovery service provider asap.

Recommended reading =>> 11 Best iPhone Data Recovery Soft

=>> Contact us to suggest a listing here.

List Of Top Data Recovery Service Providers.

IMPORTANT LINK FOR VIDEO:::







YOUTUBE વિડિયો તારીખ :- 18/6/2021

YOUTUBE વિડિયો તારીખ :- 17/6/2021

YOUTUBE વિડિયો તારીખ :- 16/6/2021

Date 10-06-2021 live class video


Date 11-06-2021 live class video

Date 12-06-2021 live class video

Date 14-06-2021 live class video

Date 15-06-2021 live class video


Here is a list of the most popular Data Recovery Companies:

Stellar Data Recovery
Ontrack
DriveSavers
Gillware
Seagate In-Lab Recovery


જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.


SalvageData Recovery
Secure Data
WeRecoverData
Disk Doctors
Datatech Labs
SERT
Data Mechanix
Ace Data Recovery

Read More »
No comments:

Home Learning Study materials Video |Standard 06th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 06th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21


STD 10 GYANSETU HOME LEARNING VIDEO

EXTERNAL & PHYSICAL HARD DRIVE RECOVERY SERVICES

DriveSavers, the worldwide leader in hard drive data recovery, helped pioneer the data recovery industry in 1985. Home users and businesses alike rely on DriveSavers perform physical hard drive recovery and to recover lost data from failed internal hard disk drives, external hard drives and USB thumb drives for Mac or PC that cannot be accessed by normal means. DriveSavers data recovery experts consistently recover data from hard drives that other service providers have deemed “lost forever,” and in a fraction of the time.

Any deleted or missing file (including photos) on your laptop or desktop data hard drive and also USB thumb drives can be easily retrieved with our proprietary recovery hard drive tools. Before you start to panic, keep in mind that physical hard drive recovery of even the most obscure data is routine for our professional team of recovery hard drive experts. Better technology and simple solutions at a reasonable price. We offer our decades of experience recovering lost data from internal and external hard drives using DriveSavers proprietary data recovery software.

Dead hard drive, server failure, or is your device just not working? Don’t worry. DriveSavers data recovery engineers are experts at physical hard drive recovery and will help you or your business from losing important data.

Get a quote now for hard disk recovery! Ask questions and find out more about the cost and types of services we offer.

RECOVER YOUR HARD DRIVE DATA NOW

CERTIFIED ISO CLEANROOM

MAXIMIZES RECOVERY RESULTS

DriveSavers data recovery engineers are the best in the industry at handling physical hard drive failures and logical data corruption. We recover more lost data from dropped, damaged, corrupted and traumatized drives in one day than the average provider does in one month. Each data loss situation is new and unique. DriveSavers operates the industry’s largest state-of-the-art Certified ISO Cleanroom environment, and has developed proprietary techniques, hardware, and software that allows us to deliver custom data recovery solutions for all common and catastrophic data loss situations. Our experts check your device thoroughly, and during the data recovery process, engineers carefully disassemble data storage devices, inspecting them for physical damage and performing component-level repair.

To minimize contamination and maximize recovery results, all physical recoveries are performed in DriveSavers Cleanroom environment—the most technologically advanced data recovery Cleanroom environment in the industry. It features three separate ISO- certified Cleanroom areas: ISO Class 5, ISO Class 6 and ISO Class 7. Our inventory of over 20,000 parts and drives are stored in an ISO Class 8 clean zone.

All data recoveries are performed in accordance with standards set by leading hard drive and data storage manufacturers; our data recovery process will not void their original warranty.


Hard Drive Data Recovery

WE’VE GOT YOUR

ENCRYPTION (RE)COVERED!



Our engineers understand encryption and how to recover files from hard drives. They have been trained and certified by the leading encryption software vendors to safely recover file–level and disk–level encrypted data. We can recover from encrypted hardware, software, email, network files, web pages, storage and backup devices without compromising the original level of encryption.

Learn more about our privacy, encryption, and copyright compliance here.

DriveSavers can customize security protocols beyond the HDD recovery services we routinely provide.

Image-only. Data is recovered and restored in an image-only format and returned to the system with the original encryption intact. You decrypt the data yourself.

Full Decryption. Encrypted data is recovered and decrypted by our engineers (with you providing the encryption keys) to verify the integrity of the data and returned to you encrypted or fully decrypted. The power to keep your sensitive online data hidden is always completely in your hands.

During the recovery process, you’ll have phone access to our engineers as your recovery is taking place. Once the recovery is completed, we can safely and properly recycle the old storage device. Our NSA and DOD approved degausser will destroy residual data on the old source drive permanently.

HDD Hard Drive Data Repair

CERTIFIED SECURE DATA RECOVERY

When sensitive data is being recovered, maintaining a high level of security isn’t an option—it’s a requirement. We know that privacy can’t be taken lightly. DriveSavers is the only data recovery company in the industry that undergoes an annual SOC 2 Type II audit, adhering to the corporate industry’s standard for overall control structure.


The SOC 2 Type II audit assures our customers that every aspect of our facility and network is secure enough to protect personal and confidential data from a security breach during the data recovery process.

At the heart of our certified secure data recovery environment is a self-defending network, protected by a “defense-in-depth” architecture that includes firewalls, intrusion protection systems, managed security services and 24/7 real-time monitoring..


IMPORTANT LINK FOR DATEWISE VIDEO::




YOUTUBE વિડિયો તારીખ :- 19/6/2021

YOUTUBE વિડિયો તારીખ :- 18/6/2021

YOUTUBE વિડિયો તારીખ :- 17/6/2021

YOUTUBE વિડિયો તારીખ :- 16/6/2021

Date 15-06-2021 live class video

In addition to providing the highest level of preventive data security in the data recovery industry today, DriveSavers offers a High Security Service that adheres to U.S. Government protocols and a Forensics Service that supports law enforcement agencies and other legal entities in the United States and abroad, providing full legal compliance, security and confidentiality.


જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.


Clients like Bank of America, NASA Goddard Space Center, the Department of Defense, the Smithsonian Institution and Lawrence Livermore Labs have all trusted DriveSavers with their critical data when they needed hard drive recovery services.

Ready to start the process of getting your data back?

Read More »
No comments:

Home Learning Study materials Video |Standard 07th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 07th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

STD 7 GYANSETU HOME LEARNING VIDEO


Top Performing Canadian Mutual Funds in 2020These ten funds had the best returns this year – how did they do it?

Andrew Willis29 December, 2020 | 4:28AMFacebookTwitterLinkedInFont-Size

Multicoloured triangle

Staying the course in a downturn is one thing, going for growth is quite another, even more so in this rapidly changing world of 2020. In this strange year, much of the growth came from innovative technology companies that kept us connected and productive in these remote and socially distanced times. And so, investors in the volatile technology space reaped the benefits.

But which mutual funds in Canada did best? We looked at the top performing mutual funds of 2020, and found many active growth funds filling the charts. But before you decide whether or not to buy these funds, remember that past performance is no guarantee of future returns. Also keep in mind that factors like fees, or a fund’s process or portfolio manager can make a difference beyond the year in focus. A good way to get the bigger picture on a mutual fund is to use the Morningstar Quantitative Rating (MQR). “The ratings are an effective way to evaluate the likelihood of a fund’s outperformance relative to its peers over the long term,” says Morningstar Canada’s director of Investment Research, Ian Tam.

We see many Gold, Silver and Bronze-rated funds in the Top 10 for the year overall, with credit to how they responded and set a strong foundation growth early on in the crisis, “Medallist rated funds outperformed during the initial COVID-19 panic selling,” notes Tam.

Here’s the list:

Name YTD Return (%) Management Expense Ratio (%) MQR

Marquest Explorer F 94.62 4.32 Negative

Dynamic Power Global Navigator Cl F 89.24 1.23 Gold

Fidelity Global Innovators F 86.63 1.16 Silver

Dynamic Power Global Growth Class Sr F 86.02 0.87 Gold

Evolve Automobile Innovation Index Cl F 83.97 0.40 Gold

Desjardins SocieTerra Positive Change F 78.94 1.24 Bronze

Purpose Canadian Equity Growth Sr F 75.85 2.06 Neutral

Signature Global Technology Corp Cl F 71.62 1.23 Neutral

Desjardins Overseas Equity Growth F 69.37 1.21 Silver

TD Science & Technology F 65.84 1.38 Neutral

Morningstar Direct Data as of Dec 14, 2020



Marquest Explorer F takes the top spot for mutual fund performance in Canada so far this year but lags the Canadian natural resources equity category – going back a decade. Moreover, the mineral exploration and mining company fund charges an eye-popping management expense ratio of 4.32%.

This year’s runner up was Dynamic Power Global Navigator Class led by portfolio manager Noah Blackstein. The active stock picker successfully adapted to a changing market with a focus on the global technology sector.

Another top-performing active fund in the technology space is Fidelity Global Innovators Class, led by Mark Schmehl. The outsized moves of growth stocks didn’t bother Mark as he saw the pandemic as a trend accelerator that outweighs concerns of a bubble.

Dynamic and Noah Blackstein make another impressive appearance with a fund that’s similar to this year’s second-place winner. Dynamic Power Global Growth Class has had Blackstein on board since the beginning – for 20 years. Both funds rank at the top of the Morningstar Factor Profile for their ultra-momentum characteristics.

The next fund is closer to an index ETF, with a low-cost laser focus on just the right sub-sector this year. Evolve Automobile Innovation Index Fund Class set its sights on the latest automotive technologies and peripheral industries which were booming this year, especially in the electric vehicle space.

A heartening sight to see next on the list is Desjardins SocieTerra Positive Change Fund with an ESG focus that’s outperformed by following 17 U.N. Sustainable Development Goals. Turns out that the fund’s bet to improve the climate by investing in Tesla (TSLA) was a good one.

Finding the best growth companies at home, Purpose Canadian Equity Growth Fund, managed by Bruce Campbell at StoneCastle Investment Management beat its Canadian small/mid-cap equity category by around 65% this year.


CI’s Signature Global Technology Corporate Class F outperformed broad global markets by riding a boom in technology stocks, with an allocation clocked at around 60% of the portfolio as of Nov 30, 2020.

By going growthy and a little larger-cap than the International Equity index, Desjardins Overseas Equity Growth Fund delivered tech fund-like performance with a 40% allocation to consumer cyclicals as of the end of last month.


IMPORTANT LINK FOR VIDEO::





YOUTUBE વિડિયો તારીખ :- 22/6/2021

YOUTUBE વિડિયો તારીખ :- 21/6/2021

YOUTUBE વિડિયો તારીખ :- 19/6/2021

YOUTUBE વિડિયો તારીખ :- 18/6/2021

YOUTUBE વિડિયો તારીખ :- 17/6/2021

YOUTUBE વિડિયો તારીખ :- 16/6/2021

Date 10-06-2021 live class video


Date 11-06-2021 live class video

Date 12-06-2021 live class video

Date 14-06-2021 live class video

Date 15-06-2021 live class video


And lastly, we have a fund that combines a growthy large-cap focus with a 60%+ allocation to technology stocks as of Nov 30, 2020.

જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.

 TD Science & Technology Fund, sub-advised by T. Rowe Price, may round up the bottom of this list, but it near the top of the Morningstar Factor Profile for momentum

Read More »
No comments:

Home Learning Study materials Video |Standard 08th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 08th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

STD 8 GYANSETU HOME LEARNING VIDEO


What are international mutual funds?

International mutual funds are those, which predominantly invest in the equity, equity related instruments and debt securities of companies/entities listed outside India. Many of these funds are actually fund of funds schemes, whose underlying foreign funds invest in foreign markets.

Why invest in international mutual funds?

Provides access to high growth companies not listed in India

High growth companies also exist in economies posting lower growth than India

Enables portfolio diversification through exposure to international markets

Provides strong hedge against rupee depreciation (rupee depreciation increases returns from international funds)

Many of the International markets have low correlation with the Indian market

Reduces the risk to the overall portfolio from adverse domestic events as turmoil in domestic markets rarely impact global markets

List of 10 Best International Funds for 2021

1. DSP Global Allocation Fund

Open ended Fund of Fund scheme investing predominantly in units of BGF – GAF (BlackRock Global Funds – Global Allocation Fund).

May also invest in units of similar overseas MF schemes

Highlights of BGF-GAF

Aims to generate returns competitive with that of global stocks at lower volatility over a full market cycle

Invests in stocks, bonds, currencies and cash equivalents over 40 countries and 30 currencies

Follows rigorous investment process with a top-down macro strategy to decide asset allocation

Follows bottom-up approach for security selection

2. Edelweiss Greater China Equities Off-shore Fund

Fund of Fund scheme investing in the Greater China Fund of JP Morgan Fund

Highlights of JP Morgan Fund – Greater China Fund

Equity fund primarily investing in companies domiciled or carrying out their main business activities in the Greater China Region – China, Hong Kong and Taiwan

Adopts a fundamental bottom-up approach

Follows ‘best ideas’ approach of investing irrespective of listing or market

Takes high conviction approach while investing in just 50 stocks out of 785 stocks in MSCI Golden Dragon Index

3. Nippon India US Equity Opportunities Fund

Invests primarily in high quality – high growth stocks listed in the recognised US stock exchanges

Investment strategy powered by the research support Morningstar Investment Advisor India Private Ltd.

Uses Economic Moats proprietary research methodology of Morningstar i.e. companies with sustainable competitive advantages that enable them to earn excess returns over a long period of time

Uses the ‘Hare’ strategy of investing i.e. invests in companies experiencing rapid growth with sustainable competitive advantages

Uses a blend of bottom-up and top-down approach without any market capitalization or sector bias

4. ICICI Prudential US Bluechip Equity Fund

Invests in equity and equity linked securities of companies listed on recognised US stock exchanges

May also invest in GDRs/ADRs issued by the foreign and Indian companies

Invests in securities of large cap companies included in the S&P 500 index

Follows a combination of bottom-up and top-down investing approaches without any sector bias

Follows a blended approach of growth and value stock-picking

5. DSP US Flexible Equity Fund

Fund of funds scheme investing in the US Flexible Equity Fund of BlackRock Global Funds

Highlights of BlackRock Global Funds — US Flexible Equity Fund

Combines fundamental research and quantitative analysis to identify companies with fundamental inflection points, favourable industry structures and unique business models

Higher weightage to large cap growth stocks in the US

Has the flexibility to either invest in securities with value or growth characteristic depending on the market outlook

6. Aditya Birla Sun Life International Equity Fund – Plan A

Invests in stocks across the globe with no regional bias

Capitalizes on the strengths of individual countries

Invests in top performing stocks even in the markets posting low growth figures

Engages Standard and Poor’s Investment Advisory Services LLC (SPIAS) for investment advice and thereby, leverages their expertise in global equity research of more than 11 years

Maintains diversification and avoids concentration risk by containing its sectorial exposure within a particular range of the sectorial weight followed by its benchmark index i.e. S&P Global 1200 TRI

Uses a blended strategy of top-down and bottom-up approaches without any market capitalisation or sector bias

7. Edelweiss Emerging Market Opportunities Fund

Fund of funds scheme investing primarily in the Emerging Market Opportunities Fund of JP Morgan Funds

Highlights of JP Morgan Funds — Emerging Market Opportunities Fund

Equity fund with an aggressively managed portfolio of emerging market companies

Uses a multi-factor approach by blending top-down country analysis, bottom-up stock selection and disciplined screening process backed by in-depth fundamental research

Prefers countries and stocks offering attractive valuations while avoiding value traps

Aims at building a concentrated, value-oriented high conviction portfolio

8. HSBC Global Consumer Fund

Fund of funds scheme investing in the China Consumer Opportunities Fund of HSBC Global Investments Funds

Highlights of HSBC Global Investments Fund – China Consumer Opportunities Fund

Aims to benefit from long term consumption growth in China

Invests in new consumption themes sprouted by economic development

Uses proprietary fundamental research with integrated ESG ( Environmental, Social & Governance) analysis for stock selection

Focuses on quality companies with sustainable profits and attractive valuations

Seeks broader diversification across local and global champions, income tiers and consumption categories

9. Franklin Asian Equity Fund

Invests in Asian companies (excluding Japan but including India) having a long term growth potential without any sector or market capitalization bias

Follows an active investment strategy taking aggressive/defensive postures depending on market opportunities

Uses a combination of top-down and bottom-up investing approach

Prefers companies offering the best value with regard to their long-term growth prospects, management quality and returns on capital


:

Screenshot_84



10. Kotak Global Emerging Market Fund

Fund of funds scheme primarily invested in MGF Asian Small Equity Fund Class I & ishares MSCI Emerging Markets ETF

Has the freedom to shift to other overseas equity mutual fund schemes investing in emerging markets

Highlights of MGF Asian Small Equity Fund Class I

Invests in the small cap companies of the Asian and/or Pacific region

May also invest in warrants, bonds and convertible bonds by small cap companies in Asia Pacific

Highlights of ishares MSCI Emerging Markets ETF

Tracks the investment results of MSCI Emerging Markets Index, which is designed to measure the equity market performance in the global emerging markets

MSCI Emerging Markets Index consists of the top 5 emerging market indexes: China, South Korea, Taiwan, India and Brazil

How are international mutual funds taxed?

Short term capital gains booked on redeeming units before 3 years of investment are taxed as per the tax slab of the investor

Long term capital gains (LTCG) booked on redeeming units after 3 years of investments are taxed @ 20% (along with cess and surpluses, if applicable) with indexation benefits

Dividends are taxable as per the tax slab of the investor. TDS of 7.5% (till March 31, 2021 due to the Covid pandemic; usually 10%) is deducted by the mutual fund house for resident investors. Non-resident investors are subject to TDS of 20%. Tax credit of TDS deducted can be claimed during the time of filing the returns

Risks of investing in international mutual funds

Exchange rate risk: Fluctuations in foreign exchange rates, especially appreciation in the rupee, can adversely impact the returns of international funds

Foreign market risk: International funds expose its investors to the market, political and economic risks of foreign economies the fund is investing in. The risk is higher in case of investing in emerging or frontiers markets lacking in regulation framework, market efficiency and liquidity

Concentration risk: International funds with concentrated investment portfolios may suffer from higher risk, lower liquidity and higher return fluctuations

Who should invest in international mutual funds?

Investors seeking geographical diversification to reduce the risk to their overall equity portfolio

Investors seeking hedge against rupee depreciation, especially those creating corpuses for foreign education or travel


IMPORTANT LINK FOR VIDEO:::






YOUTUBE વિડિયો તારીખ :- 22/6/2021

YOUTUBE વિડિયો તારીખ :- 21/6/2021

YOUTUBE વિડિયો તારીખ :- 19/6/2021

YOUTUBE વિડિયો તારીખ :- 18/6/2021

YOUTUBE વિડિયો તારીખ :- 17/6/2021

YOUTUBE વિડિયો તારીખ :- 16/6/2021

Date 10-06-2021 live class video

Date 11-06-2021 live class video

Date 12-06-2021 live class video

Date 14-06-2021 live class video

Date 15-06-2021 live class video

Investors with higher risk appetite and long term investment horizon of at least 5 years seeking to supplement their existing domestic equity exposure with foreign economies


જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.


Investors comfortable with significant fluctuations in their investments value

Investors comfortable with the additional political, market and economic risks associated with foreign market

Read More »
No comments:

Home Learning Study materials Video |Standard 09th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 09th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21.


STD 9 GYANSETU HOME LEARNING VIDEO

Equity funds versus index funds - how to make the choice

As an investor, you have the choice of being an active investor or a passive investor. An active investor is a person who is willing to take on stock selection risk in search of higher returns. A passive investor is happy with lower returns but does not want to take on added company specific and industry specific risk. While the active investor can typically opt for an equity diversified fund, the passive investor will opt for an index fund or an index ETF. In an index fund, you only have market risk or systematic risk unlike in an equity fund where you also have the unsystematic risk factors impacting your fund returns. However, the assumption in active investing is that the stock selection will result in higher returns.

The question is how do you make the choice between equity funds vs index funds? How mutual funds are different from index funds and what are the factors to consider before taking a call on investment? Let us start off by understanding the relative of advantages of equity funds and index funds under different circumstances and then look at the basic differences between index funds and equity funds.

What exactly is an index fund?

Most of us are familiar with the concept of equity diversified funds and hence we share focus more on understanding the idea of index funds. They are the example of passive investing which needs to be understood as opposed to active investing. In active investing (equity diversified fund), the fund manager has the leeway and discretion to buy and sell stocks to enhance returns. Diversified equity funds, sector funds, thematic funds are all examples of active funds. Index fund, on the other hand, invests its corpus in the index stocks in the same proportion as the index (Sensex or Nifty). Index funds in India are typically benchmarked to the Nifty or the Sensex. It is only when the index weights change or when stocks are added or deleted from the index that the index fund manager makes modifications to the index fund portfolio. An index fund is intended to replicate the index returns as close as possible.

How does an investor benefit by investing in index funds?

Take the Sensex since its inception in 1979. The Sensex had a base value of 100 in 1979 and over the last 39 years it has given 35-fold returns. The Nifty has its base in the year 1995 and has given 11-fold returns over the last 23 years. Forget about specific stocks, even if you had invested in an index fund you would have made a lot of money.

Discretion is good but it is hard to judge whether discretion will work or not work. A company like GE which dominated the US markets for 50 years is a shadow of its past due to some bad investments in the financial business. That is the risk of giving too much discretion to the fund manager. Index funds overcome the bias of human discretion, which is the problem with diversified equity funds. Thus the fund manager is vulnerable to human conditioning and therefore the biases and past experiences impact investment strategy. If you want to overcome this bias and want your portfolio to just track a rule-based index, then an index fund is just for you.

Screenshot_84



The big saving in index funds is the costs. In fact, some of the market experts like Sharpe have argued that it is impossible to consistently beat the market and if it happens, it is hard for investors to find such funds that can eat the market. Hence indexing works better over long periods of time. Costs in an index fund are substantially lower. For example, if you take any equity diversified fund in India, the average TER (total expense ratio) is in the range of 2.5-2.8%. In case of index funds, the TER is nearly 120-130 bps lower and that makes a big difference to your long term returns. If you are looking at just about market returns, then index funds with low tracking error are the right product for you.

If you take any diversified fund today, they do largely reflect the index, unless it is a multi cap fund. Effectively, you are paying higher TER for a virtual index fund, which you can get at least 120-130 bps cheaper if you opt for an index fund. Why to end up paying a higher Total Expense Ratio (TER) for marginal return benefits? Index funds can help you overcome this challenge.

Does the investor lose out on anything by opting for an index fund?

Under normal market conditions, an index fund can perform. But what about special situations. Higher volatility, lower rates, higher commodity prices; these are the situations when you can create alpha. Fund manager discretion works better in such cases where asset allocation decisions have to be taken. If the fund manager finds the market to be too volatile, then cash allocation can be increased. An index fund does not have that flexibility as it has to be fully invested in the index.


IMPORTANT LINK FOR VIDEO:::  






YOUTUBE વિડિયો તારીખ :- 28/6/2021

YOUTUBE વિડિયો તારીખ :- 26/6/2021

YOUTUBE વિડિયો તારીખ :- 25/6/2021

YOUTUBE વિડિયો તારીખ :- 24/6/2021

YOUTUBE વિડિયો તારીખ :- 23/6/2021

YOUTUBE વિડિયો તારીખ :- 22/6/2021

YOUTUBE વિડિયો તારીખ :- 21/6/2021

YOUTUBE વિડિયો તારીખ :- 19/6/2021

YOUTUBE વિડિયો તારીખ :- 18/6/2021

YOUTUBE વિડિયો તારીખ :- 17/6/2021

YOUTUBE વિડિયો તારીખ :- 16/6/2021

Date 10-06-2021 live class video


Date 11-06-2021 live class video

Date 12-06-2021 live class video

Date 14-06-2021 live class video

Date 15-06-2021 live class video


When you invest in index funds, remember that it is not entire risk free. There is market risk or Beta risk in these index funds. Also, there is the risk of tracking error and let us look at this in greater detail. Tracking error is the extent to which the index fund does not track the index. 

જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.

Tracking error occurs in index funds due reasons like liquidity provisions, index constituent changes, corporate actions etc.

In a country like India, there are enough alpha opportunities and therefore index funds are likely to underperform the actively managed funds. As an investor you need to keep in mind that index funds have not been great performers in the past. However, it is surely an idea which may become a lot more attractive in the coming years.

Read More »
No comments:

Home Learning Study materials Video |Standard 10th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21

Home Learning Study materials Video |Standard 10th | DD Girnar-Diksha Portal Video @ https://diksha.gov.in | the Year 2020-21


STD 10 GYANSETU HOME LEARNING VIDEO

What Is an Index Fund?

An index fund is a type of mutual fund or exchange-traded fund (ETF) with a portfolio constructed to match or track the components of a financial market index, such as the Standard & Poor's 500 Index (S&P 500). An index mutual fund is said to provide broad market exposure, low operating expenses, and low portfolio turnover. These funds follow their benchmark index regardless of the state of the markets.

Index funds are generally considered ideal core portfolio holdings for retirement accounts, such as individual retirement accounts (IRAs) and 401(k) accounts. Legendary investor Warren Buffett has recommended index funds as a haven for savings for the later years of life. Rather than picking out individual stocks for investment, he has said, it makes more sense for the average investor to buy all of the S&P 500 companies at the low cost an index fund offers.

KEY TAKEAWAYS

An index fund is a portfolio of stocks or bonds designed to mimic the composition and performance of a financial market index.

Index funds have lower expenses and fees than actively managed funds.

Index funds follow a passive investment strategy.

Index funds seek to match the risk and return of the market, on the theory that in the long-term, the market will outperform any single investment.

John Bogle on Starting World's First Index Fund

How an Index Fund Works

"Indexing" is a form of passive fund management. Instead of a fund portfolio manager actively stock picking and market timing—that is, choosing securities to invest in and strategizing when to buy and sell them—the fund manager builds a portfolio whose holdings mirror the securities of a particular index. The idea is that by mimicking the profile of the index—the stock market as a whole, or a broad segment of it—the fund will match its performance as well.

There is an index, and an index fund, for nearly every financial market in existence. In the U.S, the most popular index funds track the S&P 500. But several other indexes are widely used as well, including:

Russell 2000, made up of small-cap company stocks

Wilshire 5000 Total Market Index, the largest U.S. equities index

MSCI EAFE, consisting of foreign stocks from Europe, Australasia, and the Far East

Bloomberg Barclays US Aggregate Bond Index, which follows the total bond market

Nasdaq Composite, made up of 3,000 stocks listed on the Nasdaq exchange

Dow Jones Industrial Average (DJIA), consisting of 30 large-cap companies

An index fund tracking the DJIA, for example, would invest in the same 30, large and publicly-owned companies that comprise that index.

Portfolios of index funds substantially only change when their benchmark indexes change. If the fund is following a weighted index, its managers may periodically re-balance the percentage of different securities to reflect the weight of their presence in the benchmark. Weighting is a method used to balance out the influence of any single holding in an index or a portfolio.

Index Funds vs. Actively Managed Funds

Investing in an index fund is a form of passive investing. The opposite strategy is active investing, as realized in actively managed mutual funds—the ones with the securities-picking, market-timing portfolio manager described above.

Lower Costs

One primary advantage that index funds have over their actively managed counterparts is the lower management expense ratio. A fund's expense ratio—also known as the management expense ratio—includes all of the operating expenses such as the payment to advisors and managers, transaction fees, taxes, and accounting fees.

Since the index fund managers are simply replicating the performance of a benchmark index, they do not need the services of research analysts and others that assist in the stock-selection process. Managers of index funds trade holdings less often, incurring fewer transaction fees and commissions. In contrast, actively managed funds have larger staffs and conduct more transactions, driving up the cost of doing business.

The extra costs of fund management are reflected in the fund's expense ratio and get passed on to investors. As a result, cheap index funds often cost less than a percent—0.2%-0.5% is typical, with some firms offering even lower expense ratios of 0.05% or less—compared to the much higher fees actively managed funds command, typically 1% to 2.5%.

Expense ratios directly impact the overall performance of a fund. Actively managed funds, with their often-higher expense ratios, are automatically at a disadvantage to index funds, and struggle to keep up with their benchmarks in terms of overall return.

If you have an online brokerage account, check its mutual fund or ETF screener to see which index funds are available to you.



Better Returns?

Lowered expense leads to better performance. Advocates argue that passive funds have been successful in outperforming most actively managed mutual funds. It is true that a majority of mutual funds fail to beat broad indexes. For example, during the five years ending December 2019, 80% of large-cap funds generated a return less than the S&P 500, according to SPIVA Scorecard data from S&P Dow Jones Indices.1

On the other hand, passively managed funds do not attempt to beat the market. Their strategy instead seeks to match the overall risk and return of the market—on the theory that the market always wins

Passive management leading to positive performance tends to be true over the long term. With shorter timespans, active mutual funds do better. The SPIVA Scorecard indicates that in a span of one year, only 70% of large-cap mutual funds underperformed the S&P 500. In other words, over one-third of them beat it in the short term. Also, in other categories, actively managed money rules. As an example, nearly 70% of mid-cap mutual funds beat their S&P MidCap 400 Growth Index benchmark, in the course of a year.2

Even over the long term, when an actively managed fund is good, it is very, very good. Investor's Business Daily's "Best Mutual Funds 2019" report lists dozens of funds that have racked up a 10-year average total return of 15% to 19%, compared to the S&P 500's 13.12%. They've significantly outperformed the market in one-, three-, and five-year periods, too. Admittedly, this a feat that only 13% of the 8,000 mutual funds out there can claim, as detailed in the report.

Real World Example of Index Funds

Index funds have been around since the 1970s. The popularity of passive investing, the appeal of low fees, and a long-running bull market have combined to send them soaring in the 2010s. For 2018, according to Morningstar Research, investors poured more than US$458 billion into index funds across all asset classes. For the same period, actively managed funds experienced $301 billion in outflows.3

The one fund that started it all, founded by Vanguard chair John Bogle in 1976, remains one of the best for its overall long-term performance and low cost. The Vanguard 500 Index Fund has tracked the S&P 500 faithfully, in composition and performance. It posts a one-year return of 7.37%, vs. the index's 7.51%, as of July 2020, for example. For its Admiral Shares, the expense ratio is 0.04%, and its minimum investment is $3,000.4

Frequently Asked Questions

What is an index fund?

An index fund is an investment product that aims to match, rather than exceed, the performance of an underlying index. Examples of the kinds of indexes tracked by index funds include the Standard & Poor’s 500 Index, better known as the S&P 500; or the Dow Jones Industrial Average (DJIA). Index funds have grown in popularity in recent years, as a growing number of investors have adopted passive investing strategies. One of their main strengths is the low fees that they charge relative to active investment funds.

How do index funds work?

Index funds are often structured as exchange-traded funds (ETFs). These products are essentially portfolios of stocks that are managed by a professional financial firm, in which each share represents a small ownership stake in the entire portfolio. For index funds, the goal of the financial firm is not to outperform the underlying index but simply to match its performance. If, for example, a particular stock makes up 1% of the index, then the firm managing the index fund will seek to mimic that same composition by making 1% of its portfolio consist of that stock..

IMPORTANT LINK FOR VIDEO:














YOUTUBE વિડિયો તારીખ :- 17/6/2021 વિડિયો - 1

YOUTUBE વિડિયો તારીખ :- 17/6/2021 વિડિયો - 2



Date 10-06-2021 live class video ગુજરાતી

Date 10-06-2021 live class video  વિજ્ઞાન


Date 11-06-2021 live class video. ગણિત

Date 11-06-2021 live class video અંગ્રેજી


Date 12-06-2021 live class video.   વિિજ્ઞાઅન

Date 12-06-2021 live class video ગુજરાતી


Date 14-06-2021 live class video. ગણિત

Date 14-06-2021 live class video અંગ્રેજી


Date 15-06-2021 live class video ગુજરાતી

Date 15-06-2021 live class video  વિજ્ઞાન


Do index funds have fees?

Yes, index funds have fees, but they are generally much lower than competing products. Many index funds offer fees of less than 0.20%, whereas active funds often charge fees of over 1.00%. This difference in fees can have a large effect on investors’ returns when compounded over long timeframes. This is one of the main reasons why index funds have become such a popular investment option in recent years.

Compete Risk Free with $100,000 in Virtual Cash


જે ધોરણ ના વિડીયો જોવા હોય તે ધોરણ પર ક્લિક કરશો એટલે તમારા ફ્રી સમયમા તમામ વિડીયો જોઇ શકસો.


Put your trading skills to the test with our FREE Stock Simulator. Compete with thousands of Investopedia traders and trade your way to the top! Submit trades in a virtual environment before you start risking your own money. Practice trading strategies so that when you're ready to enter the real market, you've had the practice you need. Try our Stock Simulator today 

Read More »
No comments:

Tuesday, 29 June 2021

Online Services & Documents Required For Government Schemes

The details of the evidence to be given to the beneficiaries for availing various schemes of the government are shown below. The beneficiary will have to go to the government office to get various examples, personal assistance, ration card, revenue works, Maa Annapurna Yojana, Maa Amrutam Yojana card by taking the supporting evidence as per the list to avail the following schemes of the Government.




Online Services & Documents Required For Government Schemes

To obtain a non-criminal certificate
. Form and photo

. Copy of ration card
. Example of race

. Example of income
. School Living
. Affidavit of guardian's income
. Finally the light bill

To get a sample of the race
. Form and photo
. Copy of ration card
. School Living
. School Leaving Certificate of Father / Brother / Sister.
. Finally the light bill
. Example of Talati caste

To get an income sample
. Form and photo
. Copy of ration card
. Copy of election card
. Example of Talati's income
. Finally the light bill

Get Aadhaar card
. I.D. Free one of the following
. PAN card
. Election card
. Driving license
. Passport
. Address proof one of the following
. Ration card / light bill / gas book

To get a separate ration card
. Form and photo
. Copy of election card
. Ration card. aadhar card
. Example of income
. Copy of bank passbook
. Example of Talati
Father's Consent So.Name
. Light bills

For new ration card
. Form photo
. Copy of election card
. Example of name reduction. aadhar card
. Copy of bank passbook
. Example of Talati
. Light bills

In the Annapurna scheme
. Form photo
. Copy of election card
. Copy of ration card. aadhar card
. Example of income
. Copy of bank passbook

Important Link

Download Photo

Click here

For new ration card
. Form photo
. Copy of election card
. Example of name reduction. aadhar card
. Copy of bank passbook
. Example of Talati
. Light bills

In the Annapurna scheme
. Form photo
. Copy of election card
. Copy of ration card. aadhar card
. Example of income
. Copy of bank passbook
Read More »
No comments:

Adobe Photoshop Lightroom empowers your photography

Adobe Photoshop Lightroom empowers your photography


Try out one-click edits with presets for sharp, polished results. Adobe Photoshop Lightroom may be a free, powerful photo editor and camera app that empowers your photography. Moreover assisting you to capture and edit stunning images. 

Easy image editing tools like sliders and filters for images simplify photo editing. Retouch full-resolution images, apply image filters or start photo editing wherever you’re. 

Features of Adobe Photoshop Lightroom:


Adobe Photoshop Lightroom

EDIT PHOTOS ANYWHERE

Transform natural images with one of the world’s most intuitive photo editing apps. Tap and drag sliders to enhance light and colour. As well as apply filters for pictures, presets and more. Moreover, breathe life into your photo editing with leading photography equipment. 

Retouch light and colour to form photos pop. Moreover, easy picture editor sliders allow you to control photo properties from your phone screen. 

Adobe Photoshop Lightroom

Crop and Rotate tools find the proper size and ratio to best boost your special effects. Moreover, create clean camera shots with straight lines by adjusting the attitude. With powerful upright, guided upright and Geometry sliders. 

Experiment and compare photo edits without losing the first and pick your favourite look.
As well as access all of your presets anywhere. Moreover, picture edits on one instrument are automatically applied everywhere else. 

EDIT THE FINE DETAILS


Adobe Photoshop Lightroom

Finesse details with the advancedJ picture editor. Moreover, control images with selective adjustments. Remove almost anything with slightly of the Healing Brush. Moreover, local Hue Adjustments as a part of selective edits allow you to alter hue and saturation precisely and elevate your photos. As well as achieve stunning effects with advanced colour grading and import graphical watermarks to feature your personal touch.

Simple, interactive tutorials from fellow photographers instruct you to use the image editor to its potential. 


LIGHTROOM PRESETS SIMPLIFY PHOTO EDITING:

Accomplish pro photo editing faster with presets – filters for images with unlimited customisation selections. Moreover, combine presets to recreate your favourite photo effects perfectly whenever with one click. As well as facilitate your photo editing, and access 70+ new hand-crafted presets with Lightroom Premium. 

PRO CAMERA

The picture editor with different camera controls to unlock your photography ability. Moreover, choose susceptibility, timer, instant presets. As well as raw, apply photo filters and more. Enjoy more influence over your photography with camera capture modes like Professional and HDR. 


SMART PHOTO ORGANISATION

The image editor harnesses Adobe Sensei AI to tag and organise photos supported by the objects or folks that are in them. a quick look for “mountains” or “Maria” will display all the related photos. Moreover, use handy organisational tools like ratings and flags to mark. As well as a group your favourite photos and see suggestions for the simplest ones. 

ADVANCED PHOTO SHARING

Group Albums allow you to invite others and collect everyone’s pictures in one place. Moreover, share your creative process with users within the Discover section so that they can see how you bought from start to end. As well as Lightroom galleries showcase your camera photos online. Photo edits sync seamlessly so your modifications are always up-to-date. Get inspiration from other creatives within the Lightroom Community and see personalised content with cool presets in your feed.

Follow your favourite contributors, discover new presets and obtain inspiration for your special effects.

EASY ADOBE CREATIVE CLOUD STORAGE:

The Lightroom image editor is decent cloud-based assistance for photography lovers.
Retouch full-resolution shots, apply photo filters and have originals and edits protected to the cloud, able to access anywhere. Searchable keywords are automatically pertained to sort camera images without tagging. 

Full natural HDR capture mode is currently supported on equipment that contains advanced processing and memory capabilities including but not limited to devices like – Samsung S7, S7 Edge, S8, S8+, Note 8. As well as Google Pixel, Pixel XL, Pixel 2, Pixel 2 XL, Pixel 3, Pixel 3 XL, and OnePlus 5.

Download Adobe Lightroom From Here

Fine Print

You must be 13 or former and comply with Adobe’s terms and privacy policy:
http://www.adobe.com/go/terms_linkfree_uk
http://www.adobe.com/go/privacy_policy_linkfree_uk. 

Read More »
No comments:
Subscribe to: Comments (Atom)