Old Mutual Ever Green Fund: Fill & Download for Free

Everything.Yes, you read that right.One of the best investment strategies is to diversify your investments.Example: Right now, the IT industry isn’t doing particularly well. But the infrastructure fund is performing very well. So if you had invested only in IT, you would have suffered right now.Nobody can predict but there might come a time when infrastructure won’t perform very well.Solution: Invest in everything. Diversify your investments.Diversification is one of the primary reasons why I prefer to invest in mutual funds via SIP or one time investment.FD/Recurring Deposit: These days, you are getting an interest of around 6.5% per annum. This investment is very low risk. But there is a mutual fund alternative too.Debt funds usually give returns that are slightly higher than FD/RD with similar risk.For example, FD rate right now is around 6.5% per annum but this debt fund, Franklin India Low Duration Fund, has been giving returns around 7.9% per annum in the last 1 year.Here’s a portfolio of better than FD debt funds.Real Estate: Everybody needs a house to stay. So, keeping that in mind, you might buy at least one house for yourself to live in.Some people argue it is better to rent than to buy. That is an entirely different argument - everyone’s analysis is differnet.If you are looking at real estate as investment, this period isn’t ideal. But as with all sectors, real estate might pick up in the future. But nobody can predict when that will happen.Most people in India invest a majority of their investments in real estate which isn’t a great strategy.Shares/Stocks: This investment is doing very well in recent times. But investing in stocks - contrary to what some believe, is not a game of luck.Investing in stocks to generate consistent returns requires great knowledge and skill.If you lack this skill and do not have the time to acquire the skills, it is best to invest in mutual funds that invest in the share markets - equity mutual funds.That way, your investments are handled by a professional fund manager who is skilled and knowledgable.Take a look at my other answer on Quora to understand this.Index Funds: These are also a type of mutual fund that invest in the share markets. In these market conditions, equity mutual funds are performing better than pure index funds.But nobody knows what the future holds. Things might change. Which is why, one has to routinely examine their investments.SIP: SIP is just a method of investing in mutual funds. Learn more about it here: 13 things to know about mutual funds.Bonds: Debt funds invest in bonds. That is why they are considered low risk when compared to equity funds. They manage to give returns better than FD/RD as stated earlier in this post.Gold: This is another old time favourite of many Indian investors. Gold in recent times has largely remained a flat performer.Still many consider gold a good hedge against inflation. If you feel so, you can invest in gold.Alternately, you could invest in gold mutual funds - if buying and maintaining physical gold seems cumbersome to you. Check out: SBI Gold Fund.Cryptocurrencies: Bitcoin, Ethereum, and around 1000 odd cryptocurrencies exist right now. Their astronomical returns mean everybody is talking about them and planning to invest.The truth is, there is absolutely no consensus on crypto. No experts are able to agree about its future. They are highly risky.Further reading: 10 Top Cryptocurrencies in the World 2018. You can invest in it but I’d say invest a small amount only - an amount you don’t mind completely losing.Mutual funds come in various categories that invest in nearly all investment options. Here’s a list of 30 top funds to invest in 2018 - Groww 30.But the question is, how much to invest in what? And sadly, there is no one answer to this question.Things to remember:Everybody’s financial situation and needs are different. There is no one-size-fits-all. Define your needs and present conditions properly and form an investment plan accordingly.Routine Revaluation. All good investments can turn into bad ones and vice versa. There really is no ever-green investment. Which is why you must routinely revaluate your investments.Diversify. This is the key to investing for a long term. Spread your investments over sectors and areas. The more unrelated these sectors are to each other, the better.This way, when one sector is very affected, the other sectors continue to do fine - meaning when some part of your investment underperforms, the others are able to make up for them.For example, look at mutual funds. Their holdings usually have stocks from all kinds of industries. HDFC Small Cap Fund has investments in financial services, infrastructure, automobile and so on.Returns. Don’t simply invest all your money in the highest returns investments. If someday that investment starts performing poorly, you might lose a great chunk of your money.Instead, allocate percentages to high risk-high return investments, medium risk-returns, and low-risk returns.Happy investing!-Neeraj Singh, cofounder, Groww - online mutual fund investing

So because he is just 2 years old and a long time to go in life.I would suggest you to go with SBI FMCG Fund. Since consumption is increasing day by day and disposable income as well. By the time he would touch 21 years he would a really have hefty sum of amount. Fmcg sector is ever green as even in biggest economy fall people will not stop consuming.Apart from this, there are many small and mid cap. These are very good for long term.

Unlike the other answers so far, I am going to answer according to the book. I think this answer also plays into the movie narrative, because it makes more sense in the context of organized crime, but it is very much the root of the issue in the novel. Those reasons are, in two words:Power and pride.Moe Greene’s casino was losing money. This was made clear from Michael’s own words, and Moe Greene didn’t dispute it. Not only was it losing money, but it was in trouble financially. Moe Greene himself made this clear in his declaration of why he wouldn’t sell:I talked to Barzini. I can make the deal with him and still keep my casino.So that shows part of the condition, financial trouble which required Moe to make a deal with someone just to keep his casino afloat, and his belief he could make that deal while remaining in control. But more is revealed than just that. Greene also revealed that he had already been in communication with Barzini about this very subject. There is a subtle significance there that becomes obvious if one considers what else was going on that the time.At that time Michael had already taken over control of the Corleone Family. The Great Don, Vito Corleone, had retired. Moreover, the Corleone Family were being steadily encroached upon and were responding with weakness, doing nothing forceful to defend their territories and businesses. This was revealed shortly after that meeting with Moe Greene, but it was also revealed at that time as having been going on for quite a while.In short, the Corleone Family, and Michael himself, looked weak.To Moe Greene this had to look like the Corleones were trying to push him out into the cold with no power or significance, take over “his” casino and hotel for themselves, and move their power base to Nevada, all because they were too weak to hold their ground against their enemies in New York. It had to seem to him that Michael was trying not only to push him out, but to do so from a position of weakness, with veiled threats he was too weak or too timid to carry out. He was insulting Moe Greene, a carefully calculated insult, though Greene didn’t realize that last part.Now all of that is not only how Moe Greene, and incidentally Barzini, had to view matters at that time. What they could not know was that was exactly how Michael wanted them to see matters, and that they were reacting exactly how Michael wanted them to react. He wanted to be seen as weak, as desperate enough to try to retreat from New York by picking on one lone casino owner on the opposite side of the country. And more specifically to that particular issue, he wanted Moe Greene to feel insulted enough to flatly refuse, to refuse even to negotiate about it.The reasons are twofold and simple:Michael had already decided to kill Moe Greene before that meeting even took place.Michael wanted all his enemies, especially Barzini, to think the Corleone Family really was in decline, really was on the ropes, and really was running scared before the Barzini-Tattaglia alliance.Now on that first point, i.e. Michael planning to kill Moe Greene, Michael wanted it made clear to the other Families, especially the Molinari Family who were also involved in Greene’s dealings, that it was Moe Greene who refused to reason with a legitimately interested party. Remember that Michael clearly referred to how the Corleone Family had invested “big money” with Moe Greene, and that their investment with him was losing its value because of how the casino was being managed.The Molinari Family already knew all this, because they were a part of that larger investment deal. When Greene was first establishing his casino, the Corleones arranged a deal whereby they supplied a large portion of the money to finish building and furnishing the hotel and casino, and the Molinaris supplied the large cash reserves to bankroll that casino’s gambling operations. This allowed Greene to go into business in the first place, at a time when he was short of funding and couldn’t cover those expenses himself. In return, they were to get a portion of the profits (we are never told how much), Moe Greene was to agree to make Fredo Corleone the manager of the hotel side of the business, and the Molinari Family would assist with security and guarantee Fredo’s safety.If Moe Greene had even agreed to negotiate with Michael, made even a show of wanting to be reasonable about making sure the Corleone and Molinary Family concerns were being respected, then Michael could not have killed Greene without risking the Molinari Family seeing it as the Corleones damaging their mutual investment without cause. By refusing to even negotiate some reasonable settlement, however, Moe Greene made himself a legitimate target for assassination as a straightforward matter of business. That was often what triggered killings within and between Mafia families after all, the refusal to negotiate.Moe Greene gave Michael the excuse to do what Michael had already decided to do, kill him. That is why Michael made it clear from the outset that his envisioned deal was a buyout, shoving Moe Greene out in a complete takeover of “his” hotel and casino, after which he would wield no power, regardless of the money he was paid to sell the casino. He knew that such an initial offer, coupled with talk of how weak the Corleones had become, would trigger Moe Greene into flying into a rage, thinking he was being played for a weak chump by a weakling. And Michael then had a reason he could show the Molinaris for why he had whacked Greene.Now back to that second point, this was not just Michael’s desire. In the book there was a family meeting with the caporegimes, Tessio and Clemenza, Hagen the Consigliere, Michael the new head of the Family, Vito the retired Don, and Carlo Rizzi, with no fixed position but who had been drawn higher into the Family councils since the death of Santino. This meeting took place after Michael returned to New York from that meeting with Moe Greene, and it was a pivotal scene in the entire plot, though few people ever recognize its full importance.It is the meeting where Michael makes himself look even weaker, by forbidding the caporegimes from responding to the ongoing encroachments into their respective territories. This move was to smoke out one of them as a traitor. Also at this meeting, Michael removed Hagen as Consigliere, expressing lack of confidence in him, but not replacing him, leaving that crucial post vacant. Doing this at all was to further make Michael and the Corleone Family look weak and ripe for the taking. Doing it in front of the three main suspects for the nascent traitor, Tessio, Clemenza, and Carlo, was further intended to incite the traitor to make that final, fatal move and reveal himself.And finally, at that meeting Tessio spoke up and, bypassing Michael in a breach of protocol and a veiled insult, he addressed the old Don directly, asking why, if Moe Greene was resistant to Michael’s proposal, the old Don himself didn’t enter the negotiations, citing the Don’s legendary reasonableness against which nobody had ever been able to stand. The old Don responded that if he interfered Michael would lose respect, and then he finished with a comment that made Tessio see part of the real plan (paraphrasing):…and besides, that man is someone I would rather not speak with.At that comment, Tessio realized that Moe Greene was already a dead man, since the Corleone Family, both Vito and Michael, did not wish to persuade him. As to the reason Vito also wanted him dead, Greene had, as was revealed at that meeting he had with Michael, physically abused Fredo in public before dozens of witnesses. This was a deadly insult not just to Fredo, but also a sign of severe disrepect, even contempt, for the entire Corleone Family. That kind of deadly insult could not go unanswered without setting an even more deadly precedent.