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Types of mutual funds in India Again, Iam trying to make it as simple as possible in explaining to you the different types of mutual funds.Equity FundsDebt FundsBalanced fundsMoney Market Mutual FundsGilt FundsEquity FundsEquity funds invest most of the money that they gather from investors into equity shares.These are high risk schemes and investors can also make losses, since most of the money is parked into shares. These types of schemes are suitable for investors with an appetite for risk.Debt FundsDebt funds invest most of their money into debt schemes including corporate debt, debt issued by banks, gilts and government securities.These types of funds are suitable for investors who are not willing to take risks. Returns are almost assured in these types of schemes.Balanced fundsBalanced funds invest their money in equity as well as debt. They generally tend to skew the money more into equity then debt.The objective in the end is again to earn superior returns. Of course, they might alter their investment pattern based on market conditions.Best platform to invest in direct mutual fund in indiaZerodha coinInveztaWealth trustKuveraEt moneyClear fundsGrowwKarvy ktrackMy money sageCAMS onlineMoney Market Mutual FundsMoney market mutual funds are also called Liquid funds. They invest a bulk of their money in safer short-term instruments likeCertificates of DepositTreasuryCommercial Paper.Most of the investment is for a smaller duration.Gilt FundsGilt Funds are perhaps the most secure instruments that are around. They invest bulk of their money in government securities.Since they have backing of the government they are considered the safest mutual fund units around.How to Apply for Mutual Funds?If you are an investor who is looking at the much talked about mutual fund SIPs, there are many ways to apply to them. Many brokers accept mutual fund applications.Apart from this you can also apply directly through the website. Many mutual funds will give you login and password after you register. Remember, you need to comply with Know Your Customer Requirements before you apply.This is also known as KYC Requirement of Mutual Funds. You can also call the various toll free numbers of mutual funds, which can provide you all guidance on how to invest.Understanding the Mutual Fund Schemes Remember, you need to understand the MF schemes before you invest. In the above para, we have made aware of how the various schemes operate.What is most important is that investors pick and choose carefully. If you are a person who has retired, it would be dangerous to choose the equity option. You would do well to consider debt mutual funds. Similarly, if you are young and have a steady income flow, opt for SIPs through equity mutual funds.Start free brokerage direct mutual funds investment with Zerodha trusted by 1 Million users

Wow. That is hard to describe. First of all, it is incredibly expensive. My husband and I live in a 650 square foot apartment in Chelsea, which is a neighborhood in Manhattan, and we pay $4,000 a month rent. This rent is typical in much of Manhattan, unless you rent in a four story walkup. There are lower rents in Harlem, but that is starting to change.It’s loud. Noise is everywhere. The traffic, beeping horns, the subway trains, sirens, loud people. It takes a while to adapt.Work. It's a hard working city. Many people put in very long hours, whether to make those large corporate and law firm salaries or working three jobs just to get by. It makes the city incredibly busy and focused.Diversity. Well over 800 languages are spoken here, and the dress, habits and food are from almost every world culture. As a gay man, I feel safer here than anywhere I've ever lived.Speaking of safety, NYC is the safest large city in the US and one of the safest large cities in the world. I walk around Manhattan, from Harlem to the Financial District, anytime night or day, and have never felt unsafe.It's a walking city. We don't own cars, and if we can't walk we use the trains. $2.75 and you can go anywhere, even to the beach. I ride trains almost every day. Crowded and not a great system compared to European systems, but it goes everywhere.You entertain out in the city. People do not have friends “over” very often, because apartments are so small. You meet in restaurants, bars, parks, etc.Oh, and the parks. Union Square. Washington Square, little Stuyvesant Park, Madison Square, the list is long and they are wonderful places to stop and rest and be entertained. And of course, Central Park. What's not to like? You can spend a whole Sunday afternoon there walking and eating and going to the zoo and being entertained for free.The weather is changeable, and there is snow in winter and humidity in the summer. But Spring and Fall are delightful. There are flowers everywhere and the breeze off the Hudson River in my neighborhood is sweet.Water. Rivers, beaches, long strolls along the seaport. Seagulls. NYC is surrounded by water.Food. It's the best. From food trucks to fine dining, you can find about everything here.Culture. Incredible museums (MOMA, Natural History, the Met, Whitney… ), you could never see it all. Wonderful small galleries. Opera, symphony, dance. And of course Broadway. Theater is just extraordinary. And the libraries: some are architectural gems as well as storehouses of knowledge.I’ve lived in Charlotte, DC, Philadelphia and several smaller towns. But nothing (in this country) compares to NYC. I retired here (no Florida or resort condo for me), and I wake up every morning feeling incredibly fortunate to live here. And, yes, I do realize this answer is Manhattan-centric. And there are four more exciting and dynamic boroughs (well, maybe Staten Island’s not exciting!). But, it's what I know.A word of advice: don't ever forget the expensive part. It’s best to have a job in hand when you come to live here, and expect to work hard. I am fortunate to be retired, but most people work very hard to live here. Cheers!

Safe.A safe place to be the real you. C'mon, you know how uncomfortable it feels when you're not. I definitely do.A place you can dance awkwardly, sing badly, and make dumb jokes but they run over to kiss you on the head anyways. In fact, they'll join in.Safe to express your opinions, concerns, and dreams; knowing that they may not always agree but can appreciate that you have a mind of your own.Even in the midst of your worst fight ever, you know at your very core that they still love you.Safe to show them all the things you're insecure about, to show them the "ugly" you. And even then, you trust that they want and act with your best interest at heart.Understand, though, that being in love isn't only about receiving. A big part of realizing you love someone is the effort you put into making sure they feel safe, too. The thought of anything happening to them can bring tears to your eyes. Then it dawns on you that if something did, you'd be there to take care of them for the rest of your lives. Without a doubt.Sometimes they need to feel safe that you will see past their tantrums to recognize they're upset about something bigger.Other times, when they've had a bad day at work, need to fall into your arms because that's where they feel the safest.Love is work. Hard work for both parties. Honestly, sometimes the bad is more important than the rainbows and butterflies. There's no growth without challenges. But the good always outweighs the bad.It can't be captured in words or songs or pictures. But trust me, it's worth it.