The world of investing is full of opportunities, but it also comes with its own set of complexities. Investors are always looking for the best approach to maximising their returns in the ever-volatile markets. Growth and value investing are two well-known types of fundamental investing, but how can you know which one is best for your portfolio and financial goals?

Whether you are looking for a long-term investment or something that may bring quick returns, knowing how these investments compare can give you a better idea of which type suits your financial goals better. Having said that, here are some key differences between value and growth funds, including their features, benefits, and drawbacks.

Understanding value investing and its features

Value investing focuses on buying undervalued stocks when their current market value is lower than the intrinsic value, with the expectation that the stocks will reach their true or intrinsic value or even exceed it. This strategy requires investors to search for undervalued stocks using technical analysis, charts, data, and financial ratios such as:

• Price-to-book ratio (PB)
• Price/earnings-growth (PEG) ratio
• Price-to-earnings (P/E) ratio
• Dividend yield, etc

The key motivation behind value investing is capital appreciation over time, not immediate gains or income generation.

Benefits of value investing

• Since you buy stocks at a lower price, you have a built-in margin of safety that protects you from losses if the stock doesn’t perform as expected.

• The strategy takes a long-term view which is ideal for investors who don’t want to worry about short-term fluctuations in the market and are willing to wait for their investments to pay off.

• With higher dividend yields, value funds can help generate steady income.

Overview of growth investing and its features

Growth funds are focused purely on capital appreciation. Investors choose stocks or growth mutual funds whose prices are expected to grow at a better rate than its peers or the overall market. This type of investing requires more research and analysis since you need to identify stocks with high-growth potential.

There are many ways to create a growth investment plan focusing on capital appreciation, such as investing in small-cap stocks with huge growth potential, emerging market stocks, blue chip stocks, or mutual fund investments focusing on high-growth sectors like technology and healthcare.

Benefits of growth investing

• You can choose high growth mutual funds to benefit from their high return potential.

• Diversifying your mutual fund portfolio with a mix of growth stocks can reduce overall volatility exposure.

• If done wisely, returns from mid and small cap growth mutual funds can be significantly higher than inflation.

Value funds vs growth funds – Comparing features and potential risks of both investment options

From the potential returns to the risk profile and overall investment strategy associated with each fund, evaluate your individual needs to invest in the right fund. Or you can even create a balanced portfolio that combines these two investment styles to get a consistent portfolio performance.

We must schedule transport, lodging, and any other expenses well in advance when arranging a trip. Additionally, it is advisable to plan ahead for unforeseen circumstances like sudden cancellations brought on by unforeseen events or losing luggage while travelling, which is why travel insurance cover was created.

Specifically, trip cancellation insurance covers the case where you are compelled to cancel your trip or reservations for circumstances beyond your control, including becoming critically ill or hurt a few days prior to your departure. You can receive reimbursement for all of your non-refundable travel expenses thanks to this coverage.

How does travel insurance operate?

In addition to dealing with the inconvenience and disruption of having to change your travel plans, having to pay cancellation costs can be a significant financial hardship. The majority of travel and lodging companies charge larger cancellation fees and offer smaller refunds the closer the departure or check-in date gets.

When completing cancellations, you must notify them as soon as possible (preferably, five days before the event) and submit supporting documentation (e.g., medical certificate, a certificate from employer). Because different travel and lodging providers have different cancellation policies, it depends on when you cancel if you will be charged a portion of the whole cost or forfeit your deposit. The full cancellation price levied by the suppliers is covered by international or domestic travel insurance.

Cancellation insurance is usable if the following circumstances apply:

• Appears in the policy
• After you purchased insurance
• Is unexpected
• Is accidental

A few instances of legitimate cancellation scenarios may include:

• Passing away of a family member
• Severe illness or injury (applicable to you or family)
• Damage to the home
• Date modifications for your paid leave
• Natural disaster or terrorist assault at the destination
• You’ve been refused a tourist visa
• Having to take an exam again
• Employment loss or employment gain
• Identity theft or ticket fraud

The grounds for cancellation may differ depending on the policy, so be sure to take attention of the exclusionary language.

Several exclusions might include:

• Strikes involving organised public transportation unless the insurance period begins before the strike is anticipated.
• An airline, cruise line, or tour operator may modify or cancel your travel plans due to bad weather.
• Changes made individually by the insured or their travelling companion to their travel plans for any reason.
• An adverse shift in the insured’s financial situation.

Refer to the policy’s ‘General Exclusions’ as well before you buy travel insurance online.

Insuring against trip cancellation:

When making your travel arrangements, you can purchase trip cancellation insurance at the travel agency’s or the tour operator’s website. The overall cost of the insurance varies based on the coverage you choose and is proportional to the cost of the trip.

Is trip cancellation covered by travel insurance?

Yes, travel insurance does cover trip cancellation as well as medical costs, lost or stolen property, delayed flights, and emergency airlifts, provided you fall within the guidelines of the claim. The most often used travel insurance coverage is trip cancellation. You should get travel insurance as soon as you’ve made your vacation arrangements because it offers more complete protection against various financial hazards.

In summary, travel insurance policies are individualised and based on your insurance company. Therefore, it is crucial to thoroughly read the small print and understand the validity and restrictions of the coverage. While trip cancellation policies are required, flight insurance policies will provide you with better protection because they not only cover unforeseen cancellations but may also assist with making arrangements for a temporary passport in the event that you lose yours. It will make for a more relaxed journey.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions,

limitations, terms, and conditions, please read the sales brochure/policy wording carefully

before concluding a sale.

Source: https://www.hdfcergo.com/blogs/travel-insurance/how-does-trip-cancellation-insurance-work-does-travel-insurance-cover-trip-cancellation#:~:text=of%20the%20trip.-,Does%20travel%20insurance%20cover%20trip%20cancellation%3F,used%20coverage%20in%20Travel%20Insurance

Facing many setbacks from the COVID-19 pandemic, the Australian commercial property market somewhat showed some positive trends in Q1 of 2022[1]. Office and industrial sectors foresaw the importance of new office spaces and the need to hire more employees following the ease of COVID restrictions.

As the remote work mandate was lifted across the country, investors grew hungry to find better and more suited office spaces for their operations. This demonstrated a healthy flow of capital into the commercial real estate market throughout the first quarter of 2022.

As we approach the fall of 2022, the interest rates will be higher, and so is inflation [2]. How will commercial real estate respond to such alarming issues? If you are a buyer, seller, or investor of any kind, you will want to access the impact of rising inflation and interest rates on commercial real estate property; are there any positive sides to it, or just are the bearer of bad news?

Investing in Commercial Real Estate in 2023

Commercial real estate in Australia, especially commercial real estate in Melbourne and across other major cities, is always topical to local and foreign investors. If you are considering a possible real estate transaction right now, you will want to have a clear assessment of how commercial real estate in Melbourne and other big cities is going to be in 2023.

With the constantly growing inflation, banks are bound to throw higher interest rates on bank loans to curb inflation. This creates an unwelcoming scenario for businesses or individuals in pursuit of commercial real estate loans. Furthermore, rising inflation means an increase in construction costs that will escalate the cost of commercial properties to new heights.

Higher interest rates mean a loanee has higher loan repayments and will be reluctant to apply for a mortgage. This will reduce the number of buyers in the current market, which means less competition. This constricts the population of potential buyers in the commercial real estate market. Those with robust finances will be the only ones pulling the strings in the market when interest rates are higher.

If you have adequate cash flow to invest in commercial properties right now, this can be the right time for you to enter the market and find the best deals upfront. Commercial real estate in Windsor and Caulfield are two of Melbourne’s growing commercial centres. There are high chances of finding the right commercial property for your office spaces in those cities. You can find the best deal on commercial real estate in Caulfield and Windsor with Axis Property.

One more considerable impact of higher interest rates, which is the current scenario in Australia, through less interested parties in the market is a drop in property prices. Fewer buyers imply an oversupply of commercial properties in the market, and when supply is high, the price will move ahead in the counter direction.

A period of over-supply of commercial properties will give new investors a chance to grab desired property for a relatively lower price before the market sets course towards correction. If you are in correlation with an experienced property management agency, the year 2023 sure can land you the best deals on the commercial real estate market.

Owing to several factors; key market drivers, the commercial property market is one of Australia’s financial hubs in constant influx. Market drivers such as supply and demand, interest rates, population density, and economic state come into play when accessing (based on data) the market.

If you are a commercial real estate investor, you must have a keen eye on these subjects before making a play. Axis Property makes it easy for every client to manoeuvre speed bumps in their journey through Melbourne’s commercial real estate market.

Axis Property is a leading property management agency in Melbourne that handles hundreds of commercial properties inside this beautiful metropolis and its suburbs. All you need to do is to list your commercial real estate with Axis Property and acquire reliable services related to commercial property management in Melbourne and its suburbs like Caulfield and Windsor.

Find the best deals on commercial properties in Melbourne, Windsor, and Caulfield with Axis Property. Windsor and Caulfield are two of Melbourne’s fastest-growing commercial hubs boosting hot properties for investors to buy or lease. This can be your opportunity to strengthen your commercial real estate portfolio with the best deals in the market right now.

Electricity bill payments received after the due date are subject to late fees, penalties, and service interruptions, as it is a standard policy. Late payments do not absolve the defaulting customer of the consequences. You might experience suspension of electricity supply by the terms and conditions for late payment. For a swift Calcutta Electric Supply Corporation (CESC) online, you can carry out transactions via Airtel Payments Bank. This will help you avoid additional delays and charges on your bill. So let’s look at how to make your CESC bill payment online after it has passed its due date.

How to make your CESC bill payment online after it has passed the due date?

The majority of fees will be added to your subsequent electricity bill if you pay fines after the due date. However, if you recently paid it, late fees might still be automatically applied due to payment systems. However, a late fee is set by electricity operators, so you might not have to guess how much you’ll have to pay.

The steps listed below will help you understand how to pay your CESC bill after the due date with Airtel Payments Bank.

CESC bill payment via the Airtel website

• Go to the Airtel website and sign in to your account.
• On the homepage, click on “Electricity bill.”
• Enter West Bengal as your UT/state.
• Choose CESC as your biller.
• Enter your customer ID.
• Fill in your Billing Unit (BU).
• Check the status of your electricity bill, and click “Fetch Bill.”
• An OTP (One-time password) will be sent to your registered mobile number.
• Enter the OTP and continue with the bill payment.

CESC bill payment via Airtel Thanks App

• Navigate to the Payments Bank Section in your Airtel Thanks App.
• Select ‘Electricity Bill.’
• Choose West Bengal as your UT/state.
• Pick CESC as your operator.
• Enter your CA number as it appears on your bill.
• Proceed with the payment by clicking on Pay Now.

How to Check CESC Bill Details Online?

You can view the details of your bill on Airtel Payments Bank. To check your CESC bill online, follow these steps:

• Go to the website.
• Navigate to the Airtel Payments Bank section.
• Select “Electricity Bill” from the menu.
• Fill in your consumer and biller number.
• Enter your billing unit.
• Tap “Fetch Bill.

On the left side of the screen are the details of your CESC bill, and on the right are the available payment options. This is another way to make your CESC bill payment online.

How to view and download the CESC bill online?

With the Airtel Thanks App or the Airtel website, you can easily download your CESC bill as a reference or to keep a record. To get started, follow these steps.

• Log in to your Airtel account.
• Choose West Bengal as your home state.
• Select CESC to be your biller.
• To view a CESC bill, select “Fetch Bill.”

The app allows you to check your CESC bill history and download your CESC bills. It only takes a single click to download and view your bill.

The decision of whether to buy or lease a commercial property is one that many business owners face at one time or another. It might be that you are setting up a new business or you need to expand to a bigger premises because your business is doing well. According to the good folk at EXIT Real Estate Consultants in DeRidder, there is a lot to consider when choosing whether to lease or buy. While buying might be sensible for some businesses, leasing might be the preferable option for others. It is important therefore to consider the pros and cons before making a decision.

What are the Pros and Cons of Leasing a Commercial Property?

The biggest benefit of leasing a business is that you don’t have to tie up capital in a down payment that will almost certainly be required to secure a mortgage. Furthermore, buying a property means paying out for other services such as origination, appraisal, and closing fees.

With a leased commercial property, you are not responsible for repairs or maintenance to the structure of the property, but some lease agreements include a charge for maintenance. It is the landlord’s responsibility to make sure the building is maintained and that repairs are taken care of even if they are making you pay towards the costs. You are likely to have a fixed lease amount each month, allowing you to factor this in to your expenses.

Additionally, with a leased property you can move once your contract finishes. Moreover, you won’t have the headache of finding a buyer should you need to move to a bigger or smaller property.

The downside of leasing is that it can be expensive, and rent can often be higher than what you would pay for a mortgage. Your monthly lease payment is likely to include utilities, property taxes, maintenance, and insurance.

What are the Pros and Cons of Buying Commercial Property?

When you buy commercial property, you will instantly have an asset and you will own 100 percent of the building. The amount of equity you have in the property will depend on the down payment you make, but the more payments you make as well as potential increases in the value of the property will all increase your equity. If necessary, you can refinance at a later date to release some of that equity to use for the business.

If you buy a property that is larger than you need to run your business, you can lease some of the space to another business, thus earning an income that can be put towards the monthly mortgage payment.

Another added benefit of buying a commercial property is that you can change the internal layout and configuration should you need to. Provided you follow zoning laws, you will not have to ask permission to make changes.

With the good comes the bad, and for some businesses buying commercial property means tying up funds that they could use elsewhere in the business. Furthermore, it can be difficult to access financing for a purchase without an adequate down payment. Some lenders require businesses to put up between 10 and 40 percent of the purchase price as a down payment.

Conclusion

Whether to buy or lease a property for your business is really a matter of whether it will suit your circumstances. If your business has a lot of capital and is performing well, then it may make sense to purchase. However, leasing may be better if you think you might need access to that cash in a hurry and you want more flexibility about moving should you need to.

There are many benefits and drawbacks to keeping CFDs long-term. While CFDs can be a great way to make quick profits, they can also lead to significant losses if trades are not executed with thought and care. By understanding the long-term benefits and drawbacks of keeping CFDs, traders can make more informed decisions about their trading strategies.

What are CFDs?

CFDs stand for Contracts for Difference, and they are derivatives that allow traders to speculate on the price movement of an underlying asset without taking ownership of that asset. CFDs are traded on margin, meaning traders put down a small deposit – known as the margin – and have control over a much more prominent position. This allows traders to magnify their exposure on the market. With that, they can make more substantial profits if their speculations are correct.

Features of CFDs

CFDs are a popular choice for traders as they offer high leverage, low costs, and a wide range of assets to trade. Benefits of CFD trading include the ability to go long or short on an asset, meaning traders can find opportunities in both bullish and bearish markets.

However, CFDs, like all financial instruments, are subject to volatility risk. This is the risk that the underlying asset will move in an unpredictable or unstable manner. With the use of high leverage, the risk of trading increases exponentially.

Therefore, CFD trading is decidedly not suitable for everyone, and investors should ensure they fully understand the risks involved before trading.

Despite this, many continue to trade CFDs on stocks, commodities, ETFs, crypto, and forex, and they go on to do quite well for themselves.

How to trade CFDs

CFDs are traded on margin, meaning investors only need to put down a small deposit—known as the margin—to open a position.

CFDs are a popular way to trade financial markets because they offer leveraged trading, which allows investors to control a more prominent position than they would if they were trading with their capital. For example, if an investor has $10,000 in their account and they open a $100,000 position in oil at 100:1 leverage, they will only need to put down $1,000 as margin.

However, it’s important to remember that leverage amplifies losses, so you must be careful when using this tool. If you want to learn more about CFDs, you can visit https://www.home.saxo/en-sg/products/cfds.

The drawbacks of holding CFDs long-term

When it comes to investing, there are a variety of strategies that traders can use to try and maximise their returns such as ETF and forex trading. Whilst CFDs can be an effective way to make money in the short term; several drawbacks should be considered before taking this approach.

Firstly, CFDs are typically traded on margin, meaning that the trader pays for only a tiny percentage of the total value of the trade. This can result in substantial losses if the market moves against the trader’s position. Secondly, CFDs are sometimes subject to fees such as commissions, which can eat into profits. Finally, holding a CFD long-term can be risky, as the underlying asset’s value may fluctuate over time.

As such, it is essential to consider all these factors before deciding whether or not to trade CFDs.

When is the best time to hold CFDs?

One of the main advantages of CFDs is that they can be held for different periods, depending on the investor’s objectives. For example, some investors may hold a CFD for a few days or weeks to take advantage of short-term price movements, while others may hold their positions for months or even years to benefit from longer-term trends.

There is no right answer regarding how long to hold a CFD, as the best time frame will vary depending on the individual investor’s goals and risk tolerance. However, it is essential to remember that holding a CFD for a more extended period will typically result in higher costs, as investors will be charged interest on their positions.

Investors looking to hold their CFDs for the most prolonged possible period should consider the costs involved before deciding.

The bottom line

In conclusion, weighing the pros and cons of holding a CFD position for an extended period is crucial. By doing so, you can make an informed decision about whether to hold your CFD position for the long term.

Many people live in a homeowners association. When living in a homeowners association, they would likely need to follow a set of rules or conditions as instructed by the homeowner. If you are familiar with how a homeowners association works, you would know those specific fees are needed to be paid. 

If you face difficulties in dealing with HOA fees or dues, you could contact gilbert az hoa management as they could assist throughout the process. While some of you might be familiar with living in HOA, there are chances that you might be confused with HOA assessment and fees. It would benefit you to learn the differences as they are significant. 

What is HOA Assessment?

Before becoming familiar with the differences, it is essential to know what exactly HOA assessments are. HOA assessments are also addressed as special assessments. HOA assessments are a fee charged by the homeowners to the community members. The fees are collected to compensate for unexpected or unbudgeted costs. 

Let us take an example to get a precise idea of what precisely an HOA assessment is. Let us assume a disaster occurs in your homeowners’ association. The disaster might result in severe damages. You would likely rely on insurance instantly. However, if your insurance lacks coverage for the disaster, you will need to turn to the homeowners association. As a result, you will be required to charge homeowners a special HOA assessment. 

What are HOA dues? 

HOA dues are generally monthly fees homeowners pay to the association. The monthly payment is paid to cover or compensate for the day-to-day operations. For instance, HOA dues might include maintenance expenses, landscaping expenses, management fees, insurance premiums, etc. 

You should also know that a part of the monthly dues goes to an association’s reserve fund. The HOA might maintain these funds to pay for future damages, significant repairs, replacements of common elements, and a lot more. 

Difference between both terms: 

HOA dues are a recurring fee to pay for the day-to-day expenses of the HOA. On the contrary, HOA assessments are a one-time fee. The one-time fee generally covers the cost of unexpected expenses. The calculation for HOA dues occurs before the beginning of each year. 

The calculation for HOA dues consists of expense projections and accounting for reserves. HOA assessments are calculated only when there is a need for the latter. You must know that HOA assessments and HOA fees are both calculated by the HOA board. 

In terms of benefits and pricing, Airtel provides the most economical, and effective prepaid recharge packs. Some of the more affordable plans have limits in terms of advantages that other long-term plans or even one-month validity plans provide. Here’s  a list of the best Airtel prepaid recharge plans that are easy on the pocket. Let’s have a look at their features.

• Rs 109 recharge plan

The Airtel Rs 109 plan has a validity period of 30 days and includes 200MB of mobile data and Rs 99 in talk time. For local, STD, and landline calls, it will cost you just Rs 2.5 paise each second. Local SMS costs Re 1 and STD SMS is priced Rs 1.44.

• Rs 111 recharge plan

The Airtel Rs 111 smart recharge provides one month of validity. The Rs 111 plan includes Rs 99 in talk time and 200MB of mobile data. Local SMS costs Re 1, STD and SMS cost Rs 1.5, while calling charges are Rs 2.5/second for all local, STD, and landline calls.

• Rs 128 recharge plan

The Airtel plan of Rs 128 is valid for 30 days and includes no additional features. Local and STD call charges are Rs 2.5 per second, while video calls cost Rs 5 per second. Mobile data is priced at Rs 0.50 per MB used. Local SMS costs Rs 1, and STD and ISD SMS costs Rs 1.5.

• Rs 131 recharge plan

The Rs 131 Airtel pack has a validity period of 12 months. The Rs 131 plan,  like the Rs 128 plan, has no additional perks. Local SMS costs Rs 1, and STD and ISD SMS costs Rs 1.5. Mobile data costs Rs 0.50 per MB. Local and STD calls cost Rs 2.5 per second, while video call charges are Rs 5 per second.

• Rs 319 recharge plan

The Rs 319 Airtel recharge provides 2GB of data every day for one month of validity, with a total of 56GB/60GB/62GB of available data depending on the month’s days. Following the daily limit, the internet speed is 64Kbps. The recharge includes 100 SMS per day and unlimited calling. After you’ve used up your free 100 SMS, you’ll be charged Re 1 for each local SMS and Rs 1.5 for STD SMS. The Rs 319 Airtel plan includes a free membership to Airtel Wynk music, Rs 100 cashback on FASTag, Hello songs, and three months of Apollo 24/7 circle.

How to make an Airtel Prepaid Recharge Online? 

You can easily make an online prepaid recharge via the Airtel Payments Bank. The steps to make a quick mobile recharge is mentioned below:

Prepaid Recharge through the website:

Step1: Login to the website.

Step2: Choose “Prepaid” and enter your mobile number.

Step3: Enter Airtel as your operator.

Step4: Mention which area/circle you live in and the mobile prepaid recharge amount.

Step5: Now, click Proceed to finish the payment.

Prepaid Recharge through the App:

Step1: Register for the Airtel Thanks App.

Step2: Select ‘Mobile Recharge’ from the ‘Recharge’ menu.

Step3: Enter your mobile phone number.

Step4: Choose Airtel as your operator.

Step5: To complete the transaction, click ‘Pay Now.’

Step6: Now, choose a payment method.