Category Archives: Management

Investors who want to invest outside of the Indian market can invest in international mutual funds. These foreign mutual funds represent a dynamic and increasingly popular investment avenue in today’s interconnected global economy. Many investors look to expand beyond their home countries and invest internationally in equity investments. International Mutual Funds provide an effective way to achieve this global diversification. Therefore, in this blog, we will explore the meaning, types, advantages, features, and more of international mutual funds. Let’s begin.

Here is a list of the best international funds in India based on their one-year returns:

Note: The data on the list is from 1st October 2024. This data is derived from the Tickertape Mutual Funds Screener.

Category: Thematic Funds: MNC and Global

CAGR 5Y: Sorted from Highest to Lowest

🚀 Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.

Here is a brief overview of the international mutual funds listed above:

The ICICI Prudential MNC Fund belongs to the Thematic-MNC category and is managed by ICICI Prudential Mutual Fund. This fund focuses on investing in multinational corporations (MNCs), offering a strategy that may help combat inflation over timeNew Delhi Wealth Management. As an open-ended scheme, it allows investors to buy or sell units at any time, with no lock-in period. As of 1st October 2024, the fund had assets under management (AUM) worth Rs. 1,846.06 cr., and its current net asset value (NAV) is Rs. 32.90. The fund’s expense ratio is 0.99%, its 3-yr CAGR is 20.19%, and its 5-yr CAGR is 25.97%.

ICICI Prudential US Bluechip Equity Fund is an open-ended equity scheme from ICICI Prudential Mutual Fund. This fund focuses on investing in securities of large-cap companies listed in the USAhmedabad Stock. The scheme’s performance is benchmarked against the S&P 500 Total Return Index. As of 1st October 2024, the fund had an AUM worth Rs. 3,170.77 cr., and its current NAV is Rs. 71.08. The fund’s expense ratio is 1.08%, its 3-yr CAGR is 14.24%, and its 5-yr CAGR is 18.48%.

UTI MNC Fund is an open-ended mutual fund from UTI Mutual Fund, focusing on equity investments in multinational companies (MNCs). These companies operate globally, providing diverse exposure across various markets. As this is an open-ended fund, investors can buy or sell units of the fund on any business day. As of 1st October 2024, the fund had an AUM worth Rs. 3,174.37 cr., and its current NAV is Rs. 473.14. The fund’s expense ratio is 1.19%, its 3-yr CAGR is 16.47%, and its 5-yr CAGR is 18.17%.

The SBI Magnum Global Fund is a thematic equity fund from SBI Mutual Fund. As an open-ended scheme, it invests at least 80% of its assets in multinational companies (MNCs). These include firms with a major foreign shareholder, Indian companies generating over 50% of their revenue internationally, and those listed abroad. The fund can allocate up to 20% of its assets to non-MNC equities, debt, and money market instruments. As of 1st October 2024, the fund had an AUM worth Rs. 6,788.62 cr., and its current NAV is Rs. 420.78. The fund’s expense ratio is 1.18%, its 3-yr CAGR is 11.86%, and its 5-yr CAGR is 17.86%.

Nippon India US Equity Opportunities Fund is an equity mutual fund offered by Nippon India Mutual Fund. This fund focuses on building a portfolio of high-quality, high-growth stocks listed on major US stock exchanges. It follows a mixed investment strategy, combining top-down and bottom-up approaches without limiting itself to any specific sector or market capitalisation. As of 1st October 2024, the fund had an AUM worth Rs. 682.11 cr., and its current NAV is Rs. 35.55. The fund’s expense ratio is 1.3%, its 3-yr CAGR is 10.54%, and its 5-yr CAGR is 16.71%.

The Aditya Birla Sun Life MNC Fund aims to achieve long-term capital growth while maintaining moderate risk. It invests in multinational companies’ securities using a research-driven strategy. Additionally, the fund allocates a portion to IPOs and other primary market opportunities. As of 1st October 2024, the fund had an AUM worth Rs. 4,054.99 cr., and its current NAV is Rs. 1,625.61. The fund’s expense ratio is 1.29%, its 3-yr CAGR is 14.60%, and its 5-yr CAGR is 15.23%.

Aditya Birla Sun Life International Equity Fund focuses on achieving long-term capital growth by investing in a broad range of international equities and related securities. The fund builds a geographically diverse portfolio, aiming to benefit from the low correlation between various countries. As of 1st October 2024, the fund had an AUM worth Rs. 191.83 cr., and its current NAV is Rs. 38.77. The fund’s expense ratio is 1.93%, its 3-yr CAGR is 7.44%, and its 5-yr CAGR is 11.37%.

Nippon India Mutual Fund manages Nippon India Japan Equity Fund and this fund falls under the “Equity – International” category, focusing on Japanese equity markets. As an open-ended fund, investors can buy or redeem units on any business day. As of 1st October 2024, the fund had an AUM worth RsChennai Investment. 271.05 cr., and its current NAV is Rs. 21.66. The fund’s expense ratio is 1.2%, its 3-yr CAGR is 4.53%, and its 5-yr CAGR is 9.57%.

The Franklin Asian Equity Fund (FAEF) is an open-ended equity fund that offers medium to long-term capital growth. It focuses on investing in Asian companies and sectors, excluding Japan, with strong long-term potential across various market capitalisations. As of 1st October 2024, the fund had an AUM worth Rs. 244.02 cr., and its current NAV is Rs. 32.60. The fund’s expense ratio is 1.68%, its 3-yr CAGR is 1.06%, and its 5-yr CAGR is 7.40%.

The Motilal Oswal S&P 500 Index Fund is an open-ended mutual fund launched by Motilal Oswal Mutual Fund. It aims to replicate the performance of the S&P 500 Index, primarily investing in large-cap stocks within the U.S. equity market. As an open-ended fund, investors can invest at any time. However, its expense ratio is higher than the average for similar funds. As of 1st October 2024, the fund had an AUM worth Rs. 3,474.87 cr., and its current NAV is Rs. 22.20. The fund’s expense ratio is 0.62%, and its 3-yr CAGR is 14.79%.

Investing in international mutual funds can be a straightforward process. Here’s a guide to get you started:

Open a demat/trading/brokerage account. You can open a demat account with smallcase!

Register online at any AMC website.

Explore different international or foreign funds to figure out which one suits your investment objectives.

Investors can use tools like the Tickertape Mutual Fund Screener to sort through these funds and explore their fundamentals and performance in the past.

Proceed to invest by clicking on the appropriate option and specifying the amount and investment mode (SIP or Lumpsum).

Submit your KYC details, including your PAN number and bank details, to finalise your investment.

Note: It is important to conduct thorough research and consult a financial advisor before investing in anything.

International mutual funds are mutual funds investing in foreign stocks. These investment vehicles pool investors’ money to collectively invest in a diversified portfolio of securities based outside of India. These overseas funds work in the same way as any other equity mutual fund. They expose investors to a broad spectrum of global financial markets, including stocks, bonds, and other securities. Unlike domestic mutual funds that focus solely on assets within a specific country, international mutual funds aim to capture opportunities and manage risks on a global scale. Investing in global markets that are likely to grow over a long time makes them effective for the future.

Investing in the best international mutual fund in India is like investing in regular equity mutual funds. You can invest in them in INR, and in return, you get units of the funds. The fund manager takes this money and invests it in stocks of companies listed outside India. Now, you can easily invest in international mutual funds by investing in an existing global fund that already has a pre-designed portfolio. Just like all mutual funds, they follow regulations set by the Securities Exchange Board of India (SEBI).

The types of international funds are as follows:

Global Funds: Although their names may sound interchangeable, it’s essential to differentiate between international funds and global funds. Global Funds invest in securities worldwide, including the investor’s home country. Conversely, International Funds invest in securities globally, excluding the investor’s home country.

Regional Funds: As implied by their name, regional funds concentrate on companies within a specific geographical area anywhere globally.

Country Funds: Country Funds exclusively invest in securities from a single foreign country, exposing investors to that country’s economy. However, investing in these funds requires thorough research.

Global Sector Funds: Global Sector Funds target companies within a particular sector across various countries worldwide. These funds prioritise gaining exposure to specific sectors.

Overseas mutual funds, also known as international or global mutual funds in India, come with several distinctive features:

Global Diversification: Overseas mutual funds, including the best US mutual fund in India, provide investors with the opportunity to diversify their portfolios across different countries and regionsJaipur Investment. This diversification may help spread risk and reduce the impact of economic downturns in a specific country.

Asset Variety: These foreign mutual funds, including the best US mutual funds in India, invest in a range of assets such as international stocks, bonds, and other securities. The portfolio may include a mix of developed and emerging market assets, offering investors exposure to various global economic conditions.

Currency Exposure: Investing in overseas mutual funds exposes investors to currency fluctuations. Since the best global mutual funds in India deal with assets denominated in foreign currencies, exchange rate changes can impact investors’ overall returns.

Professional Management: Fund managers with expertise in international markets make investment decisions on behalf of investors. Their goal is navigating and investing in global market trends, identifying growth opportunities, and managing risks associated with different regions and industries.

Liquidity and Redemption: The best foreign mutual funds, including US funds in India, typically offer liquidity to investors, allowing them to buy or sell units based on the prevailing Net Asset Value (NAV). Investors can redeem their units and receive the corresponding value, subject to applicable exit loads.

Despite these risks, international equity funds can offer several potential benefits, including:

Diversification: Investing in international funds in India, including the best Indian mutual funds investing in US stocks, can help to diversify your portfolio and reduce overall risk.

Growth Potential: International markets can offer exposure to different industries and economies, providing opportunities for higher growth in global mutual funds in India.

Hedging Against Inflation: A mutual fund investing in foreign stocks can help hedge against inflation. This is because the best international mutual funds in India may tend to outperform domestic stocks during periods of high inflation.

The growth of the top international funds in India has been impressive in recent years. According to the Investment Company Institute (ICI), assets in international mutual funds and ETFs have grown from $2.3 trillion in 2010 to $4.2 trillion in 2023. This represents a Compound Annual Growth Rate (CAGR) of 7.4%.

Furthermore, due to the increasing globalisation of the economy, the returns on international funds have been gaining a lot of attention lately. On average, international funds have yielded annual returns of 10.17% over the past five years. The annualised returns for the 3-year and 10-year periods stand at 6.91% and 7.57%, respectively. Therefore, out of 68 international schemes in the market, 30 schemes offered double-digit returns in this year to date.

Additionally, the returns on international mutual funds India can be calculated in a number of ways. The most common method is to use the Net Asset Value (NAV).

To calculate the return on an international mutual fund, you can use the following formula:

Return = (NAV1 – NAV0) / NAV0

NAV1 is the NAV of the fund at the end of the period

NAV0 is the NAV of the fund at the beginning of the period

This formula will give you the total return of the fund, which includes both capital appreciation and income distributions.

Choosing good international mutual funds for investing may require careful consideration of various factors and thorough research. Here’s a step-by-step guide to can help you make informed decisions:

Define Your Investment Goals and Risk Tolerance: Investors can clearly define their investment objectives before diving into specific funds, whether long-term growth, income generation, or a combination. They can assess their risk tolerance, considering their ability to withstand potential market fluctuations when considering US stock mutual funds in India.

Understand Fund Categories and Investment Strategies: International mutual funds, including foreign equity mutual funds, can be categorised. It can be based on investment focus, such as the best global funds in India (investing worldwide), regional funds (focusing on specific regions like Europe or Asia), or country-specific funds. Identify funds that align with your investment goals and risk tolerance.

Evaluate Fund Performance: Investors can analyse the historical performance of potential funds, including their track record of returns, volatility, and risk-adjusted returns. They can consider metrics like the Sharpe and Sortino ratios to assess their performance relative to market benchmarks and peers.

Assess Fund Expenses: Mutual funds charge expense ratios covering operating costs and management fees. Lower expense ratios indicate more of your investment goes towards potential returns. Investors can prioritise funds with competitive expense ratios.

Consider Fund Management and Track Record: Investors can research the fund’s management team, their experience, and investment philosophy. They can assess their track record of managing similar funds and their ability to navigate market cycles.

Interested in Global Brands: If you’re interested in owning shares of global market leaders like Netflix, you can do so through international funds since these companies aren’t listed on Indian stock exchanges. Investing in international funds may allow you to be part of the profits these well-known brands generate.

Exploring Opportunities in Different Markets: Markets can perform differently at various times. While Indian markets may be doing well, others like the US markets might be thriving. By investing in international funds, including Indian mutual funds that invest in US stocks, you can take advantage of opportunities in other markets.

Long-Term Goals and International Funds: If you’re a long-term investor aiming to build a significant corpus for goals like retirement or your child’s education, international funds can be a helpful tool.

Investing in international equities funds may carry several risks, including:

Currency: The value of your investment can fluctuate based on changes in exchange rates. For example, if you invest in a fund that holds stocks denominated in euros, and the euro weakens against the US dollar, the value of your investment will decrease.

Country: Political and economic instability in a country can lead to losses for investors. For example, if a country experiences a civil war or a financial crisis, the value of stocks in that country could plummet.

Liquidity: Some international markets are less liquid than the US market. This means it can be more difficult to buy and sell securities. This can lead to wider bid-ask spreads and higher transaction costs.

Company-Specific: Just like domestic stocks, international shares can also be subjected to company-specific risks. These risks can include poor management, product recalls, or legal troubles.

Finance Minister Nirmala Sitharaman announced a reduction in the holding period for equity Funds of Funds (FoFs), overseas FoFs, and gold mutual funds. Let us learn about these changes in detail:

The gains from international mutual funds withholding periods under 24 months are classified as short-term capital gains. The previous holding period for STCG was under 36 months. These gains are taxed according to your income tax slab..

The gains from international mutual funds exceeding holding periods of 24 months are now classified as long-term capital gains. Here are a few changes made to the LTCG tax rate and holding period for international mutual funds:

Holding Period: The holding period for LTCG on international mutual funds was reduced from over 36 months to over 24 months.

Tax Rate: The long-term capital gains (LTCG) tax rate was reduced to 12.5%, previously taxed at 20%.

Prior to this change, investments in international funds held for less than three years were taxed as short-term gains at the investor’s income tax slab rate, and those held longer were taxed at 20% as long-term gains. With the new rule, investments held for over 24 months will now benefit from the reduced LTCG rate of 12.5%, while those held for less than 24 months will still be taxed as short-term gains at the slab rate.

Here are some key factors to consider before investing in international mutual funds:

Geographic Diversification: Investors can evaluate the specific regions or countries the fund invests in and assess whether they align with your diversification goals.

Expense Ratio: Interested investors can consider the fund’s expense ratio, which represents the annual fees charged to manage the fund. Lower expense ratios can positively impact your overall returns.

Tax Regulation: International investments may be subjected to different tax rules than domestic investments. Investors can consult with a tax advisor to understand the tax implications of investing in international mutual funds.

International mutual funds offer investors a gateway to the global marketplace, providing a means to diversify their portfolios and potentially benefit from the growth opportunities available worldwide. As financial markets evolve and become more interconnected, international mutual funds’ role may be likely to remain significant. As always, please do your own research and/or consult a financial advisor before investing.

As an investor to have a diversified mutual funds portfolio, you might also like to know more about these different types of funds for investing –

Hyderabad Wealth Management

Affiliate marketing is a tough and competitive business, but it can be made much easier using these affiliate marketing tools.

We use only premium affiliate marketing tools, which is why we have such a low failure rate when building and selling a successful online business in the affiliate marketing industry.

Every affiliate marketing tool we promote in this article is one we use to scale our businesses and increase our rankings in search engines.

While it’s true that many successful affiliate marketers run profitably without most of these tools, you will still need to put a little skin in the game if you want to win and quit your day job.

Below is the list of our favorite affiliate marketing tools and the pros and cons of using each.

Cloudways is a hosting service many of the top affiliate marketers use now. It’s the top pick for blogs that need a website with the fastest speeds. It’s also stable, accommodating to your personal preferences, and has its CDN, so there is no need to pay for one.

No matter how high you are on the affiliate totem pole, Cloudways has a plan for all budgets. It will be impossible to go through everything they offer so we can discuss the most important ones.

GenerateBlocks is a light page builder that will help you build a beautiful affiliate site without affecting its speed. This WordPress plugin has an easy-to-understand user interface, is highly customizable, and keeps your site running fast. They also have great affiliate programs. Other affiliate marketing page builders slow down your site, hurting your rankings and making you fail the Core Web Vitals with a low score.

Surfer SEO has quickly become one of the best-known tools in the affiliate marketing world.

The web app allows you to analyze all the websites on the first page of the keyword you are trying to rank forChennai Stock. Once the analysis is done, you get a thorough blueprint, and after you apply the requested changes, you can update your Google analytics.

If you love this software after using it, we recommend you promote it with a strong affiliate marketing strategy and ensure you get the correct affiliate link from them.

WP Rocket is the most well-known WordPress cache plug in the affiliate community. The plug-in comes packed with valuable features, and their customer support team is always on standby when you need help or have technical issues.

WP Rocket helps make your site load faster and improves the visitor’s experience when your server loads. It’s great at caching every page of your website and compressing files to decrease the time it takes for your page to loadUdabur Stock. If you don’t want to use Cloudflare, they have their CDN you can use with the premium plan.

Ahrefs is one of our favorite affiliate marketing tools, and it will be yours, too, if you want to get a lot of traffic from search engines.

Here are two reasons why we think everyone should use Ahrefs for their affiliate marketing campaigns:

Now you know all the tools you need to build a thriving affiliate site and make it in the competitive world of internet marketing.

You can go with free affiliate marketing tools if your budget is low, but it will require more time and effort from your end.Jaipur Investment

Competitiveness in this industry will continue to increase, so we recommend you get started as soon as possible.Nagpur Investment

Simla Wealth Management

Chinese and Indian diesel markets — which account for the bulk of Asian demand — are showing signs of a slowdown, potentially leading to more weakness in crude oil prices.

In China, the biggest oil importer, demand for the fuel is contracting, while in India, consumption growth has collapsed. Against that backdrop, the profits for refiners across the region from turning Dubai crude into diesel have fallen by more than 40% since the start of the year, Bloomberg Fair Value data show.

Diesel’s fortunes matter because the workhorse industrial fuel is a pillar of the traditional global energy market, powering trucks, mining, construction and agriculture. It accounts for the single largest share of products made from crude worldwide, according to data from the International Energy AgencySurat Stock. Weaker conditions for diesel impact oil, with global benchmark Brent hitting the lowest since late 2023 this week amid concern about a global glut.

The weakness for diesel in Asia echoes trends in Europe, where futures hit the lowest level since mid-2023 this weekLucknow Wealth Management. In recent days, a key metric for measuring the profitability of making the fuel in that region fell to its weakest in more than 15 months, creating a headwind for refiners.

In China — where economic growth is slowing, a property crisis is grinding on, and concerns are mounting that the government won’t meet GDP targets — apparent consumption of diesel has fallen by more than 10% so far this year, putting it on course for the first full, on-year decline in three, according to Bloomberg calculations based on official figures.

Part of the reason for the drop-off in China is cyclical — cooling growth eats into demand as activity slows — but there’s also a structural element from the spread of alternativesHyderabad Investment. More trucks are turning to natural gas, while for autos, the percentage of new natural-gas and electric commercial cars increased to 5.2% and 11.7% in 2024, up from 2.9% and 0.7% in 2020.

In India — where economic growth has been outstripping China’s by a wide margin — diesel still faces challengesPune Wealth Management. In the first eight months of the year, consumption rose 2.4%, showing a market that’s still growing, but well down from the 6.7% in the same period of 2023, and almost 10% in 2022.

“Tightening emission norms, fear of a complete ban on diesel vehicles, and near-parity in the price of petrol and diesel in the country is changing customers’ perceptions,” said Mudit Nautiyal, a senior research analyst at Wood Mackenzie LtdGuoabong Wealth Management. Longer term, demand faces risks from electrification, he said.

Mumbai Stock Exchange

Colorado Bankers Life Insurance Investors Continue To Explore Their Legal Options

Our Annuity Investor Loss Lawyers Are Filing Broker Fraud Lawsuits

Shepherd Smith Edwards and Kantas (investorlawyers.com) are continuing to speak with annuity investors who have suffered losses in a number of Greg Lindberg-owned entities, including Colorado Bankers Life Insurance, Bankers Life Insurance, Southland National Insurance Corp., Southland National Reinsurance Corp., PB Investment Holdings, and Northstar Financial Services (Bermuda)Kolkata Investment. All of these companies are under scrutiny and in some kind of financial trouble with many of them in liquidation.

Meanwhile, Lindberg, who is currently out of prison after his wire fraud and bribery conviction was tossed out, now has a retrial date of November 6, 2023. But that criminal case is just the tip of the iceberg when it comes to his legal problems. In August 2022, the US Securities and Exchange Commission (SEC) accused Lindberg of defrauding his own insurance companies in an allegedly massive scamNagpur Investment. In February 2023, a federal grand jury indicted him again, this time on new wire fraud and other charges that allegedly involved him lending $2B from his insurance companies to his other companies.

Now, thousands of annuity investors, many of them senior citizens, and retirees, have found themselves struggling with significant losses related to these Lindberg-own companies. Many are saying that their funds have been frozen for years.Ahmedabad Investment

While waiting out the liquidation proceedings involving these insurance companies is one way to try and get some of your money back, you may want to explore other options. In a recent Wall Street Journal article, Shepherd Smith Edwards and Kantas Senior Partner and annuity fraud attorney Kirk Smith talked about investors potentially going after the brokerage firms that may have unsuitably sold them the annuities.

The allegations that Lindberg funneled funds from his insurers to special purpose vehicles are not new news nor are the fraud charges against him. As a matter of fact, our annuity investment loss attorneys have already filed dozens of broker fraud lawsuits against many of the financial firms that sold annuities in Lindberg-owned properties to investors. This includes US-based investors who purchased annuities issued by Colorado Bankers Life Insurance, as well as investors living abroad who were sold annuities and annuity-like investments in Northstar Financial Services (Bermuda) and PB Investment Holdings.

Why You Want To Work With Our Savvy Annuity Investment Fraud Lawyers

For over thirty years, Shepherd Smith Edwards has been representing all kinds of investors, including retail investors, retirees, older investors, accredited investors, high-net-worth investors, institutional investors, and others against broker-dealers and investment advisers. Often, this has meant suing financial firms and pursuing damages from them in arbitration, mediation, and litigation.

More than 90% of investors we have represented have received full or partial financial recovery—that’s the collective equivalent of many millions of dollars for the thousands that we’ve helped. Our team of skilled securities fraud attorneys, legal assistants, and consultants make it a point to be directly involved with each client’s claim and when you hire us you are availing of over a century’s worth of combined experience in the securities industry and securities law.

The reasons why annuities issued by Greg Lindberg’s insurance companies became financial product failures are very familiar to us after years of investigating policyholders’ losses. We are also knowledgeable about how broker misconduct and negligence, including what in many instances appears to be the lure of high commissions, may have compelled financial advisors to sell these investments even when customers needed/requested safe, conservative investments with ample protections for their funds.Jaipur Investment

How To Contact Our Team of Annuity Investment Fraud Lawyers:

Call (800) 259-9010 today to request your free, no-obligation case consultation.Agra Stock

Indore Stock

NEW YORK–(BUSINESS WIRE)–Morgan Stanley today announced the eighth cohort of the Multicultural Innovation Lab. The in-house accelerator program for technology and technology-enabled startups in the post-seed to Series A funding round stage targets companies with multicultural or women founders, co-founders, CTOs or other C-suite members who are developing innovative solutions across sectors. Now in its sixth year and with 69 total participating companies to date, the program is expanding globally for the first time, with participating companies in both the US and in Europe, the Middle East and Africa (EMEA).

From September 2022 to February 2023, the founders—the majority of whom are women and ethnically diverse—and their companies will participate in a customized accelerator program designed to enhance their growth and development. Chosen from over 2,500 applications, these leaders will benefit from the close support of Morgan Stanley’s global ecosystem of internal and external partners, which will provide a variety of mentorship opportunities and business-growth resourcesHyderabad Wealth Management. Through MCIL, Morgan Stanley also makes investments in these early-stage, high-growth startups.

“We are particularly excited to welcome our first global cohort, representing multicultural and women-led innovation in business around the world,” said Selma Bueno, Managing Director and Head of the Multicultural Client Strategy Group. “This new stage in MCIL’s development represents our continued efforts to create a more equitable investment landscape for women- and diverse-led startups and ensure that more overlooked entrepreneurs—and their communities—have the opportunity to succeed.”

The companies that have been selected for the Fall 2022 cohort include the following:

Advocat is a legal software platform developed to streamline the process of creating and operationalizing legal documents.

AMAKA Studio is a digital media platform connecting a global community of women sharing Pan-African stories.

AuditMate is a provider of SaaS-driven vertical transportation maintenance and contract management services. The solution helps property managers with contract analysis, maintenance completion reporting, compliance management and more.Chennai Investment

Gentreo is a software solution helping families and caregivers affordably and easily prepare, plan and protect all they love with next generation estate planning.

Here Here Market is an online marketplace for food enthusiasts to discover and buy specialty products from ‘chef-prenuers’ and small-batch artisans.Guoabong Stock

imagi is an education tech company leveraging proprietary coding education tools to equip girls with essential technology skills and confidence.

Kami is an AI-powered family support platform providing personalized access to a wide range of wellness consultants, as well as an expertly curated and comprehensive range of guides, articles and tips.

Perse is a single data technology platform leveraging energy and carbon data from all meters in Britain to report and optimize the energy and carbon footprint for individuals, households and businesses.

Physician 360 transforms community pharmacies into healthcare clinics by empowering them with access to a virtual care platform.

Wearisma is a global enterprise SaaS influencer analytics platform helping large-scale companies to optimize marketing spend and to achieve communication objectives.Jaipur Investment

The Fall cohort will operate in a hybrid environment, using a combination of online video platforms and in-person events to facilitate the curriculum, enhance connectivity and foster community. The program will culminate in the eighth Multicultural Innovation Lab Showcase and Demo Day, when the 10 participating companies will present to potential investors, business partners and customers.

For the last two years, MCIL has been named one of the World’s Best Innovation Labs by Global Finance Magazine. The Lab continues to successfully increase access to capital for diverse entrepreneurs, as evidenced by resulting company acquisitions and additional funding rounds following participation in the program. Some notable examples include:

Relationship intelligence platform Stimulus raised a $2.5 million seed round to grow partnerships and expand the team with engineering, data science and sales talent.

Lillii RNB, an AI-powered fraud prevention and investigation SaaS solution for retailers, raised a $3 million seed round from co-leads Serena Ventures and Aperture Venture Capital to capitalize on sales opportunities and grow its partnership network.

Event management software platform Five to Nine raised a $4.25 million seed round to expand its engineering capability, accelerate product development and grow the team.

About the Multicultural Innovation Lab

The Multicultural Innovation Lab (MCIL) is an intensive five-month in-house accelerator designed to help further develop and scale startups, culminating in a showcase presentation and Demo Day to the investor community. Morgan Stanley launched MCIL in 2017 in order to address inequities in funding of ethnically diverse- and women-led startups, which our research shows equals over four trillion dollars in unrealized returns.

The team is led by New York-based Selma Bueno, Managing Director and Global Head of the Multicultural Client Strategy Group, and London-based Sanghamitra Karra, Managing Director and EMEA Head of the Multicultural Client Strategy GroupVaranasi Investment. Together, they have over 35 years of investment banking and risk management experience.

Listen to the Access & Opportunity with Carla Harris podcast on your platform of choice to learn about the players driving change among diverse entrepreneurs, the investor community and the world.

About Morgan Stanley

Indore Investment

Inherent academic requirementsKanpur Investment

Prospective students must consider the Inherent Academic Requirements before applying to study this program.

Refer to Business and Management discipline – Inherent Academic Requirements

UniSC strongly supports the rights of all people to pursue studiesNagpur Stock. The University embraces diversity and endeavours to accommodate all students.

What are Inherent Academic Requirements (IARs)?Simla Wealth Management

The IARs of a program are those fundamental skills, capabilities and knowledge that students must be able to demonstrate in order to achieve the essential learning outcomes of the program, while maintaining the academic integrity of that program.

Students with a disability or chronic health condition may be able to have reasonable adjustments made to enable them to meet these requirements.

UniSC is committed to making reasonable adjustments to teaching and learning, assessment, placement and other activities to enable students to participate in their program.

Reasonable adjustments must not fundamentally change the nature of the IAR.Chennai Stock

Consideration is given to a student’s cultural and religious background/beliefs, which may impact on participation in their program or course. For further information contact Student Support.

Why are Inherent Academic Requirements (IARs) important?Ahmedabad Stock

IARs ensure the academic integrity of a program is maintained and preserves the University’s learning, assessment and accreditation processes. They must be met by all students.

How does this affect you?

To successfully complete a program at UniSC, you need to be able to meet all the Inherent Academic Requirements.

If you are applying for a program, you should read the IAR statement carefully to ensure you are able to meet them.

Kolkata Investment

An asset-based loan or asset utilization loan uses assets as income. Whether you are a retiree with a small fixed income or a self-employed borrower, the ease and benefits of asset-based loans and mortgages have made them a popular solution for borrowers in recent years. This type of financing is especially popular among those looking for an alternative to a no doc loan.

Griffin Funding takes a common-sense approach to underwriting asset-based loans for a painless application process.

With an asset-based loan agreement, also known as an asset depletion loan, borrowers are granted a loan based on their assets. An asset-based loan or mortgage allows you to utilize the assets you have already invested in to secure the cash you need now.

Asset utilization loans can serve as great mortgage options for retirees, investors, and/or self-employed borrowers that have assets on-hand.

With an asset-based loan, you are essentially leveraging the value of your personal assets to secure financing. Here’s a breakdown of how this works:

Borrowing base calculation: The amount you can borrow is determined by the borrowing base, which is a percentage of the value of your assets. This base helps the lender assess how much they can confidently lend you based on the strength of your asset pool.

Types of assets: For asset-based mortgages, different assets are utilized in the following ways:

Retirement and Investment Accounts: Typically, up to 70% of the value from these accounts can be considered for the loan. This means if you have $100,000 in your retirement and investment accounts, you could potentially use $70,000 towards securing your loan.

Bank Accounts: You can use 100% of the value from your bank accounts. For example, if you have $50,000 in your savings or checking accounts, that entire amount can be factored into the loan process.

Determining loan terms: The final borrowing base and the specific terms of your loan—such as interest rates, repayment schedules, and overall loan amount—are determined by the lender. They will evaluate the value of your assets and assess your financial situation to tailor the loan terms to fit both your needs and their lending criteria.Jinnai Wealth Management

The types of liquid assets that can be used are checking accounts, savings accounts, certificates of deposit (CDs), money market accounts, mutual funds, stocks, and bonds. In some cases, asset statements alone may be used by high-net-worth individuals for qualification.

The assets presented for your loan must be easily convertible into cash. Assets that can be counted toward your income include:

Bank accounts (checking or savings)

CDs (certificates of deposit)

Investment accounts (stocks, bonds, and mutual funds)

Money market accounts

To calculate the qualifying amount of your asset-based loan, you will need to determine your maximum monthly loan paymentSurat Stock. First, you need to calculate the total value of your available assets. Then, divide the total by either 5 years, 7 years or 10 years depending on the asset-based loan program.

For example, you may have $600,000 in liquid verifiable assets and your total mortgage payment is $10,000 per month. Since you have 60 months’ worth of assets you would qualify and meet the ability to repay requirements.

Let’s consider a business owner named Sarah who wants to buy an investment property, but struggles to qualify for a conventional mortgage due to significant tax write-offs. To invest in real estate, Sarah turns to asset-based lending as an alternative. She has $150,000 in her checking and savings accounts and $500,000 in her retirement and investment accounts.

In this scenario, Sarah could qualify for a loan amount up to $500,000. This includes the full $150,000 from her bank accounts plus 70% of her $500,000 in retirement and investment accounts, which totals $350,000. By using asset-based lending, Sarah is able to secure the financing needed to pursue her real estate investment goals.

An asset-based SOFR loan is a valuable tool that can be used by high-net worth individuals to obtain funding for a new property purchase without having to show proof of income. In addition to this benefit, this type of loan has an interest rate that adjusts with the SOFR rate, which allows those with significant assets to potentially capitalize on lower interest rates without having to refinance.

The Secured Overnight Financing Rate is an index that calculates a weighted average of the interest rates that major financial institutions charge for overnight loans. When a mortgage is tied to this index, it is possible to get a mortgage rate that will automatically adjust to the 30-day average of the SOFR index.

With our 6 month SOFR Asset Utilization loan, you can take out an asset-based loan with a low-interest rate that’s locked in for a predetermined amount of time. Once that introductory period ends, your interest rate will begin to adjust every 6 months based on the SOFR index, meaning your rate could potentially rise or fall.

We currently offer:

6 month SOFR ARMs

3/6 SOFR ARMs (fixed-rate for 3 years and then adjusted every 6 months after that)

5/6 SOFR ARMs (fixed-rate for 5 years and then adjusted every 6 months after that)

7/6 SOFR ARMs (fixed-rate for 7 years and then adjusted every 6 months after that)Udabur Investment

10/6 SOFR ARMs (fixed-rate for 10 years and then adjusted every 6 months after that)

Chennai Investment

Lawton, OK (forpressrelease ) September 26, 2023 – Pillar Life Insurance, a leading provider of self-serve annuity products, is excited to announce the expansion of its innovative MYGA (Multi-Year Guaranteed Annuities) platform to the great state of Nevada, United StatesKolkata Investment. This expansion marks a significant milestone in Pillar Life Insurance’s mission to empower customers to take control of their financial futures, providing them with a safe and guaranteed approach to growing their money while shielding their assets from market volatility.

Pillar Life Insurance has established itself as a trusted name in the industry by offering annuity products that eliminate the need for agents and brokers, ensuring that customers benefit from the best annuity rates available. This client-first approach allows Pillar Life Insurance to pass on additional yield, typically reserved for intermediaries, directly to the customer, enabling them to maximize their return on their annuity investments.Lucknow Stock

Nevada residents stand to gain immensely from Pillar Life Insurance’s expansion into the state. With the MYGA platform, they can access a financially smart investment solution that provides safety and guaranteed returns. In an era of economic uncertainty and market volatility, MYGAs offer a welcome respite, providing individuals with a reliable method to grow their wealth without exposing their hard-earned assets to unpredictable market swings.

Pillar Life Insurance’s MYGA platform simplifies investment, ensuring customers can easily navigate their financial journey. By eliminating the need for agents and brokers, the platform puts the power of choice back into the hands of the individual. Through a user-friendly interface, customers can explore various MYGA options, select the one that best aligns with their financial goals, and invest confidently, knowing that their assets are secure and their returns are guaranteed.

With the expansion of the MYGA platform into Nevada, Pillar Life Insurance continues to lead the way in providing accessible and secure financial solutions for individuals across the United States. To learn more or speak with an annuity expert at Pillar Life Insurance, call us at (844) 200-2730 or visit our website at Pillar Life Insurance is headquartered at 711 D Avenue, Lawton, OK 73501.

Company :-Pillar life Insurance

User :- Adam Litke

Email :-Pune Stock

Phone :-+1 (844) 200-2730Jaipur Investment

Url :-

Hyderabad Wealth Management

India’s crude oil imports during April 2024 rose to its third highest level on record as refiners topped up on supplies to meet the domestic demand for auto fuels as well as for export opportunities in the northern hemisphere ahead of the summer travel season.

The world’s third largest energy consumer imported 21.4 million tonnes (mt) of crude oil last month, a growth of 3 per cent M-o-M and 7 per cent Y-o-Y. Inbound shipments of the critical commodity rose for the third consecutive month during April, according to Petroleum Planning & Analysis Cell (PPAC) data.

Prior to this, Indian refiners imported an all-time high of 21.6 MT in April 2022, followed by 21.5 MT in January this year.Kolkata Stocks

Analysts and trade sources attribute the higher numbers to more export volumes being shipped out of Russia and Chinese refiners lifting of lower cargoes, which increased Russia’s share in total imports to 40 per cent from roughly 30 per cent in March 2024.

According to energy intelligence firm Vortexa, India imported more than 1.72 mb/d crude oil from Russia in April, the highest amount in the last nine months.

Private refiners, Reliance Industries (RIL) and Rosneft-backed Nayara Energy, imported around 770,000 barrels per day (b/d) of crude oil from Russia in April 2024, the highest in a year.

Sensing the opportunity to procure more barrels, public refiners such as Indian Oil Corporation (IoC), Bharat Petroleum Corporation (BPCL), and Hindustan Petroleum Corporation (HPCL) too imported 1.02 million barrels per day (mb/d) last month, which is a seven-month high.

Brent crude oil prices averaged $90.15 per barrel in April 2024, up from against $85.48 in March 2024 and $84.94 a year ago. The Indian basket crude price averaged at $89.46 a barrel last month, up from $84.49 in March 2024 and $83.76 in April 2023.

Consequently, India’s oil import bill rose last month. The net import bill for oil and gas rose from $10.1 billion in April 2023 to $12.3 billion in April 2024. Crude oil imports constituted $13 billion, LNG imports $1.1 billion and exports were $3.7 billion in April.Kolkata Investment

Earlier this month, state-run Bharat Petroleum Corporation (BPCL) said that Russian supplies have moderated, compared to FY24. The oil marketing company (OMC) said that discounts have almost halved to $3-6 per barrel, from an average of $8-10 during FY24.New Delhi Stock Exchange

However, trade sources noted that the Ukranian drone attacks on Russian refineries are making more crude oil supplies available for exports. According to the US EIA, around 14 per cent of Russia’s refining capacity came offline in the first quarter of 2024.Udabur Investment

“This will make more supplies available for exports to India. In April, more supplies were available due to drone attacks and lower imports from ChinaKolkata Wealth Management. May should follow suit,” said one of the sources.

Agra Investment

Mumbai Gold Investment: Taste the limited -edition clothing of international high -end brands, and become the focus of attention in the fashion industry!Kanpur Wealth Management

Mumbai Gold Investment: Create a limited -edition clothing for international high -end brands and lead the fashion trendIndore Investment

As the focus of attention in the fashion industry, the international high -end brand limited -edition clothing launched by Mumbai Gold Investment has become the object of many fashionistas.These carefully designed clothing not only reflect the unique style and taste, but also show the authority of Mumbai’s gold investment in the fashion field.

Mumbai Gold Investment cooperates with internationally renowned designers to select top fabrics and techniques.Each limited -edition clothing is strictly selected to ensure that quality and aesthetics are perfect.Whether it is tailoring, details or color matching, it shows the designer’s creative spirit and the keen insight into fashion.Kanpur Investment

The uniqueness of these limited -edition clothing is that they only sell in a small amount. This scarcity makes each owner a unique fashion pioneer.Regardless of whether to participate in banquets, social activities or important meetings, Mumbai Gold Investment Limited Clothing can make you fulfill your personal charm and become the focus of the spotlight.

Mumbai’s gold investment also focuses on customized communication with each customer, and builds exclusive clothing for it according to the figure and preferences of the customer.Whether you wear daily or special occasions, Mumbai’s gold investment can satisfy your pursuit of fashion and quality.Here, every customer can find his own style, showing self -confidence and uniqueness.Jaipur Investment

The limited -edition costumes of Mumbai’s gold investment are not only highly praised in China, but also emerged on the international stage.They have won the love and admiration of many fashionistas and stars with their unique design and superb craftsmanship.Put on Mumbai’s gold investment limited -edition clothing, you will feel the noble and noble international brand.

Whether you are a fashionista or a consumers who have a strong interest in fashion, the limited -edition costumes of Mumbai’s gold investment can meet your needs.Exquisite design, excellent quality, and international visibility make Mumbai gold investment a stop that must not be missed by your fashion journey.Chasing the trend of fashion and choosing the limited -edition costumes of Mumbai’s gold investment will make you the focus of the fashion industry.

Lucknow Wealth Management