How to choose the right mutual funds?

While investing in mutual funds, you have to remember that you must choose the mutual fund based on your risk profile. If you are an aggressive investor then you will have to pick up such aggressive mutual funds which will have high risk and at the same time high returns. If you are a very moderate risk taker then you should look for those mutual funds which carry moderate risk and moderate return.
Look at the expense ratio: A lot of mutual funds come with a very high expense ratio which means though those mutual funds offer you high returns, you will end up it losing all that because there is a very high outflow of expenses.
Invest based on time horizon: There are many mutual funds that will give you a good return in the long run but if you are investing in the short term those are not the mutual funds for you. If you invest in mutual funds just because you want to make a profit without considering the time horizon, at the time of taking out the money, your money or portfolio may be slope down and you will lose a lot of money.
Choose small-cap funds and mid-cap funds based on your risk-taking ability: Small-cap funds and mid-cap funds are not for everyone. It should not happen that everyone invests in small-cap and mid-cap funds. Small-cap funds come with high risk. If in case, you invest in small-cap funds and if you trying take out your money at the same time when the market is down, you will be lost. Hence, it is important that you don’t invest in small-cap and mid-cap funds without analyzing your risk-taking ability because if you are someone who can’t take so much risk then you should not invest in such funds.
Look for diversification: Look for those funds which have diversification within the funds. If you don’t look that kind of diversifications then it may so happen then after you invest money, in case if that sector goes down then you will lose money.
Consult Financial Advisor: If you are a new investor and still have hesitation to choose the right funds for your investment, you can contact your nearest financial advisor. They are professionals who can provide you the best advice on your investment and help you to strategically manage your funds.

Precautions to be taken during COVID 19 Pandemic

Let’s first see what corona virus is & how it spread in human body.

The above word itself defines that the corona virus is a type of respiratory virus that nowadays is spreading frequently in human body. It causes illness ranging from common cold to severe diseases such as serve acute respiratory syndrome (SARS) and Middle East respiratory syndrome (MERS).

Now how it spreads:-

And now how it is spread, it is mainly transmitted through droplets generated when an infected person coughs, sneezes, or exhales. And if you are within close contact to such infected person then you also get infected or by touching contaminated surfaces and then your eyes, nose or mouth.
Even the people without symptoms can also transmit the viruses from one person to other.
Consumption of virus containing animal product leads in transmission of the viruses.
Through public gatherings, meetings, using of public transportation is one of the major cause of spreading of the viruses.

Where did it originated from???

China alerted the WHO to cases unusual pneumonia in Wuhan in December 31. COVID 19 is thought to be originated from seafood market where wildlife was sold illegally. And on February 7, the China researches said the virus could spread from an infected animal to humans and even scientist has pointed that either bats or snakes can also be a possible source of this virus.
Symptoms

Common signs & symptoms :-

Fever
Cough
Tiredness

Other Symptoms are :-

Difficulty in breathing or shortness of breath
Sore throat
Headache
Chest pain
Pink Eye (Conjunctivitis)
Runny Nose
Rash
Diarrhea
Vomiting

Other serious medical conditions that increase the risk of COVID 19 especially in old age people are :-

Cancer
Severe obesity
Chronic kidney disease
Weakened immune system
Serious heart disease
Type 1 and Type 2 diabetes
Liver Disease
High blood pressure
Asthma
Brain and nervous system conditions

Precautions we can take to prevent from Corona Viruses:-

Maintain hygiene
Wash your hand thoroughly with soap and water. Scrub carefully between the fingers and round the nails. Use hand wash, sanitizers or alcohol sterilizers to clean your hands, and do not touch your nose or mouth otherwise.

Keep a safe distance from the sick people
Avoid direct physical contact with the sick people, especially from those who have flu, cold, cough or respiratory problems.

Cover your mouth
Keep your mouth cover with masks, cloth or tissue papers when you are around someone who is coughing or sneezing. And if you are sick, use medical mask & you should sterilize the mask or cloth time to time by just warm it up.

Heat up your food thoroughly
And if you have brought something eatable or anything from outside first sanitize that item. And for eatables you should heat up your food properly before consuming it as virus could not survive at high temperatures.

Seek Medical care
Always have early medical care from the healthcare professions even in case of normal, mild symptoms like coughing, sneezing, and fever or having difficulty in breathing. Self preventive care is very helpful in these cases.

Don’t travel when you are sick
Avoid traveling in public places, buses and sharing taxis when you have fever, coughing, sneezing and immediately contact to healthcare for proper medical care.

Direct contact with animals
Avoid unnecessary, direct contact with animals because virus can be transmitted from animals to humans. So if anyone has pets in their homes then they should take proper care of hygiene.

Do Exercise or Yoga
Do regularly some exercise or yoga to boost your immunity.

These days, the life has become more stressful and there is hardly anyone, who doesn’t have any stress in life. The stress comes with some huge impacts and one of the major impacts is the disturbance in the sleep. Sound sleep plays an important role in everyone’s life and if one does not get proper sleep for adequate time then he/she is bound to fall ill.

Sleeplessness or insomnia is one such occurrence that doesn’t allow people to sleep for a longer time. As a result, it takes a huge toll on the lives of people. Therefore, it is really important to find the remedies to treat this problem. Aaram capsules are one of the best herbal remedies for sleeplessness.

Though, you will find a number of chemical enriched treatment options for insomnia in the market that claim to be very effective in treating this problem, but all of these chemical supplements come with some side effects and consuming these pills for a longer time can slow down the body as well as can affect the total body. Therefore, it is better to take the herbal supplements to solve these problems as these supplements are completely safe in nature. Aaram capsules are the most effective treatment option available for treating the problem of sleeplessness.

Being completely herbal in nature, these supplements assist in enhancing the entire function of the user’s body while fighting against all the stress generators that decreases the sleep. Often people suffer from the physical problems like fever, pain or any other diseases that result from the lack of sleep. Besides, there are some other reasons like grief, anxiety, fear or depression that lead to lack of sleep and the lack of sleep for a prolonged time can cause insomnia.

But with Aaram capsules – the herbal remedies for sleeplessness, it is possible to fight with the problem of sleeping disorders. These supplements work by improving the alertness, memory, sharpness and the mental health of the users. At the same time, the herbs present in these health supplements play great roles in treating anxiety, depression, fatigue and mental depression for years. Besides, these don’t come with any side effects, so the users of any age group can confidently use these without thinking twice. This is the factor that makes these supplements the most trusted option for curing the problem of sleeplessness.

So, with the regular intake of these herbal supplements, the users will be totally strong both physically and mentally without harming their internal strength and the brain activities. Apart from that, these pills assist in secreting hormones that are really useful in keeping one calm, relaxed and happy. But, these pills don’t come with the side effects like headaches or hangovers. As a result, the users will get sound sleep after taking these medicines and the next morning they will feel completely fresh.

For the most effective results, these herbal remedies for sleeplessness should be continued for 2 to 3 months without any miss. The users can take 2 pills daily with water or milk.

—