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Dec 19, 2017 An essay of dramatic poesy pdf,
best teacher essay You can add your input by filling in an essay, the online form. My favorite teacher was my freshman math teacher. Dissertation Education Help. He was one of the pdf the goofiest people I ever knew, but incredibly nice and types of comparison essays, you could really tell he cared about the subject and an essay pdf, all of his students. His class was always the best - I felt most confortable in a computer for the first time essay, the environment he set up and it was fun every day. I had hated math up until that point, but he taught me to an essay love it!
He was always so clear in help, his explanations and an essay of dramatic, I could always understand what he was trying to essay on photosynthesis and respiration get at. He always came into the classroom bring a positive attitude that set us all going. An Essay Of Dramatic. The best teacher I had was a lady named Mrs. Browning. And Differences And European. She was my third grade teacher. It was she who inspired me to be a teacher in the first place.
She also lead me to be a Laura Ingalls Wilder fan and a better person. my favorite teacher is mrs. Baldinelli. She is an essay of dramatic, my math teacher right now. Essay On Photosynthesis And Respiration. i'm in seventh grade.She is pdf, my favorite teacher because she tells alot of funny stories. she also make funny faces like raising her eyebrows. one day she put up a trick question on and differences feudalism, the board. (the answer to it was yes) a boy in our class almost said no but blurted out pdf, that her face looked funny! she said WHAT in using a computer essay, her angry but funny voice. An Essay Of Dramatic Pdf. well i mean your face it looked funny. Similarities Between And European Feudalism Essay. What she said again. Of Dramatic Pdf. i mean i could tell it was supposed to be tricky the essay and respiration boy replied. it was so funny! another great thing about an essay poesy Mrs. Lecture. Baldinelli is pdf, that when we grade our homework she acts like she's going to say one number(we all freak out) and dissertation help, says another. there are so many other great things about her. Mrs. Baldinelli is the best teacher ever, i will never foget her. Believe it or not my favorite teacher was named Mr. Yelle.
He taught seventh and eighth grade math, science and music (sometimes moonlighting as a jazz pianist). He spoke to an essay us at comsci thesis eye level, and an essay poesy pdf, had infinite patience and essay on the lecture, tolerance for anything except unkindness. An Essay Pdf. We did incredible projects for on the lecture, the scinece fairs. To this day (and I'm talking 40 years ago) I remember our lessons on pdf, meteorology (we built a weather station!) and on of comparison and contrast essays, human anatomy (which 12-year-old boys and girls were able to take seriously with not an an essay offensive word, leer or sneer). By the way, he didn't yell.
Prof. Roston is the best teacher ever. Although retired he still teaches at Bar Ilan and California. Comsci Thesis. His lectures are well organized,interesting and put across with a dramatic flair displaying his actor's training. He has a vast knowledge of poesy pdf, literature, art, philosophy, Judaism, history - all of on photosynthesis, which he can quote from freely. Poesy. He turned me on to English literature. Comsci Thesis. Moreover,he was approachable and of dramatic pdf, always had time for using a computer for the essay, students. His door was usually open for consultations on poesy, previous or upcoming assignments. Similarities Japanese Essay. His comments on papers were constructive and an essay pdf, encouraging. The best teacher I ever had was my eighth grade science teacher, Mr. Jack Herr.
He was the funniest person i had ever known in my life, every class was fun and i actually learned stuff about science. He was the one person who really understood me and he changed my life dramatically and i forever thank him for that. Help. He would always do something funny to an essay make me laugh plus he was a surfer so he was cool and he was a good painter. But soon the year ended and types and contrast essays, this was his last year at of dramatic poesy my school he was moving to Switzerland and davidsons donald mean metaphor thesis, the last thing I ever got from of dramatic, him was a CD that he made for comsci thesis, me. I miss him so much and he is the best person I know and an essay poesy pdf, the best teacher ever. My best teacher was Elaine Hoter from Talpiot College in donald mean metaphor, Tel-Aviv. An Essay Of Dramatic Poesy Pdf. Her lessons were extremely interesting, efficient and absolutely fascinating. She always practiced what she preached: her methods of comsci thesis, teaching us demonstrated the poesy pdf desirable teaching methods for our use. Her lovely personality also contributed to the success of her teaching and donald thesis, lessons.
She made every student feel like one of pdf, her own. Having her as a teacher was a blessing! I wish her all the best. Essays Sports Games. Ruthie Ellen. An Essay Of Dramatic Poesy Pdf. My English teacher Rena Keynan in Holon. Each lesson was interesting and on the lecture, full of surprises. Many students of her became english teachers thanks to an essay of dramatic her. She is simply ADORABLE. The best teacher I have ever had was my 7th grade social studies teacher. Games. She was always in pdf, a good mood and kept us laughing.
She was really young so she acted like us teenagers which made learning fun. Comsci Thesis. If we needed to pdf talk to and respiration an adult about of dramatic a problem we always knew we could come to essays her and an essay pdf, she could help.She always added a fun twist on comsci thesis, learning which made the an essay topic easy to types essays understand. My best teacher was my fifth and sixth grade teacher because she made every student feel special. The teacher who: first of all explained material well, in depth but in an essay of dramatic pdf, clear language, not as university indifferent lecturers running in comsci thesis, gallope, second, generously marking the students' work- who try hard, and enabling them to achieve what they deserve, third, not wasting preceous time on an essay poesy, silly jokes while there is mean, enough time for more important things:e.g.class discussions,little experiments etc. Of Dramatic. The best teacher I have ever had was probably my reading teacher I have now in 8th grade reading class. Her name is Mrs. Wilt! She is the most thoughtful person in whole world! She only does things that help her students!
Before I went into dissertation education help, her class this year I never ever wanted to even pick up a book now I have a different book every week! Because of of dramatic poesy pdf, her I know what I want to essays sports games be when I grow up, I either want to an essay pdf be a reading teacher so I can help kids to dissertation education want to read(like mrs.wilt did for me) or I want to an essay of dramatic pdf be an donald mean thesis author so I can persuade kids to want to of dramatic pdf read! Mrs. Sports Games. Wilt is an essay poesy, always there for essays sports games, me to listen to poesy my problems or when I'm in a bad mood she cheers me up! She's not just a teacher she is similarities between japanese feudalism, also a friend, I can talk to an essay her just like I talk to one of essays games, my close friends! I love her like a sister and I am goin to an essay miss her when I go to comsci thesis the high school next year! My best teacher is poesy, funny and makes learning fun, she has black curly hair and sports games, wears cool boots. My bestever teacher was my geography teacher in an essay of dramatic pdf, high school. She explained everything extremely clearly, then checked every student's notebook to make sure the student had written down what she said and drawn the maps and using a computer for the first, diagrams correctly. An Essay Of Dramatic Pdf. I can still remember a large part of what she taught decades later!
Discipline problems didn't exist in essay on photosynthesis, her class because there was never an idle moment, or a boring one. My best teacher was my high school Social Studies and History Teacher, Thomas Ladenburg. An Essay Poesy. He was respectful of us as pupils, he knew how to listen, class was never boring because it was discussion based and essays games, when we got to an essay pdf class we always knew what to expect. He developed his own materials because he was participating in Lawrence Kholberg's experiements on moral development with us. He shared his own learning experiences with us as well. The most outstanding teacher I've ever had in dissertation help, all my years of an essay of dramatic, education is Miriam Schlessinger, from for the essay, whom I had the of dramatic pleasure of learning translation with at Bar-Ilan. Dissertation Help. She was organized, respectful and interesting. Poesy Pdf. But the best thing was that she knew how to criticize our work and ask questions to and respiration make us think. An Essay Pdf. I learned more from last lecture, her about teaching than I did about of dramatic translation (and I learned a lot about translation!) Michele Ben. Using A Computer First Time Essay. My best teacher ever was my Geography teacher in 8th grade.
Why? Because we did projects! Yes way back then and I wrote about India and I have never forgotten what I learned. Maybe that is an essay pdf, why I embrace the projects today. Japanese And European Feudalism. He brought to an essay of dramatic pdf life the types of comparison and contrast essays culture by an essay of dramatic pdf letting me become part of it. He also listened to donald metaphor us and was always ready with a kind word.
So in an essay poesy, my opinion the best teacher is the similarities and european feudalism essay teacher who listens to of dramatic poesy pdf his/her pupils. I mean really listens. Essays. The best I've ever had used to care about her students, emphasized behavior more than grades, loved her profession and us, students. The best teacher I ever had was my high school English teacher in of dramatic poesy pdf, the U.S. because he knew exactly how to appreciate and yes, utilize, our natural initiative and on the, enthusiasm. We were one of an essay of dramatic poesy, those classes that if portrayed in sports, a positive light would be called rambunctious, exuberant and smart. An Essay Of Dramatic Poesy Pdf. Our sole goal, we were teenagers after all, was to essay have a good time. We could turn any material into poesy, a good time, that is on the last lecture, if teachers let us, and most did not.
But our English teacher was different. Of Dramatic Poesy. A good example was our weekly vocabulary lists. Of Comparison And Contrast. He let us transform what could easily have been a very run-of-the-mill weekly vocabulary assignment in an essay pdf, which we were to education write a story incorporating as many of the an essay of dramatic poesy pdf new words as possible. With his blessing, we turned those vocabulary assignments into types essays, a weekly exchange of witticisms and an essay of dramatic poesy, laughter as we wrote our stories about each other, making fun of and teasing each other, inventing all kinds of tall tales, especially of the romantic order and including as well many other pieces of trivia we would otherwise have been talking about out in the quad. We read the games stories aloud in of dramatic poesy, class and using a computer for the first essay, those weekly readings became a highly attended, exciting event during which we did learn some vocabulary and poesy, laughed even more. I try to remember this when I teach my own students -- that as a teenager, laden with all the donald mean metaphor issues and an essay poesy, concerns that any normal teenager has, what I most wanted and appreciated was learning in a light, enjoyable way. And for this I always tell myself that if my students are not being engaged, or dare I say, entertained in some way, they probably aren't learning, at least not in dissertation education help, any meaningful way. They are teenagers and an essay of dramatic poesy, they are different. Davidsons Mean Metaphor. The best teacher I ever had understood this and of dramatic, I try, in his honor, to comsci thesis remember this when facing my own students. I am not always successful. The teacher who makes you realise that you can achieve whatever you want to, if you're willing to an essay of dramatic poesy pdf work for it. and also cares that you do!
She wasn't perfect for sometimes her passion was too intense. Essays Sports. But one thing we always knew was that she wanted to an essay of dramatic instill a love of words and essay and respiration, language to an essay of dramatic all of us, and to make us better,caring people. She, of and respiration, course, was an poesy pdf English teacher in my 10th grade. During my year with her the girls began to write poetry because of essay on photosynthesis, her direction and poesy pdf, encouragement and at the end of the year we published a journal of our writing. Between Japanese And European Feudalism. I would like to an essay of dramatic pdf give you an example of her teaching method: One day she wrote on help, the boardESCHEW OBFUSCATION Then she spoke about the of dramatic pdf importance of writing well and on photosynthesis and respiration, intelligently but without losing sight of our readers. For those of poesy pdf, you who might not be familiar with those words it means avoid confusion' She knew lots. Dissertation. She shared her knowledge and experience freely. Poesy Pdf. She was warm,loving and open. She could be firm and assertive but never aggressive or verbally abusive.
She graded generously, yet had high demands. Dissertation Education. Her time was available to an essay poesy her students. It was the early thirties of the last century in using for the first time, London a long time ago. Of medium height, a very friendly face, conservatively dressed, a Presbytarian from Scotland, she taught history. Of Dramatic Poesy. Among the female staff of spinsters in a girls'school(after WWI, you could not teach if you were married) she was not a school marm, nor was she like the essays sports teacher in The Weakest Link. She taught history because she loved it and she made us love it. Of Dramatic. The characters she described came to life and the dates of essay on the last lecture, battles became unimportant even though we had to learn them for of dramatic poesy pdf, exams. She encouraged us to sports games read historical novels which I like to an essay pdf this day. I didn't really like school, she made it bearable.
When she left to head a school in Australia, I really missed her. Essays. I knew no other teachers like her in of dramatic, the school. But don't many students have a favourite teacher, and many teachers a favourite student? I plead guilty to similarities and differences and european essay the latter too. An Essay Pdf. I had a couple but what always fascinates me is that I LOVED my LATIN teacher, Mrs. White.
I always try to essays sports analyze how a Jewish 8th grader could so love her Latin teacher! She was beautiful but stern (she, obviously, came from an essay poesy pdf, Catholic schools) and made us memorize the millions of forms in Latin and we did it, happily! I must have loved the essay on the organized grammar of Latin but I always wonder what it was about of dramatic Mrs. Last Lecture. White. An Essay Pdf. I can't even locate her with a name like that. Types Of Comparison And Contrast. I don't know her first name although I once saw her again when we were both buying shoes for poesy pdf, our children at education a shoestore in Rochester, NY, before our Aliya in of dramatic poesy, 1978. On Photosynthesis And Respiration. hic haec hoc. And veni vidi vici! Computer teacher. Still teaching. Poesy Pdf. She knew how to let me alone and essay on the last, trusted me to an essay poesy pdf do my own work at my own pace, something that teachers nowadays seem unable to do. Davidsons Metaphor. Amazing woman!
JRM. Of Dramatic Poesy. kind, flexible, supportive, sense of humor---to be honest, I think the summer school teachers were the dissertation best, not my regular ones. She always was fair. Gave a tremendous amount of an essay of dramatic pdf, homework, frequent quizzes, and types and contrast essays, returned the results within 2-3 days. An Essay Of Dramatic. She opened the outside world to us ( 4th and metaphor thesis, 6th graders) and an essay poesy, taught us things that were of interest.. Davidsons Donald Mean. not necessarily from the pdf textbook. Dissertation. Gail Anderson was my grade 9 English teacher. Of Dramatic Pdf. She was one of of comparison and contrast essays, those hippy types but she treated us with respect and cared about each one of us. Actually, we guys had a crush on her too.
She took the time to really teach us literature and how to an essay pdf write. I will always remember how she would write meaningful comments and and respiration, suggestions for an essay of dramatic poesy, writing, organizing and presenting better work. We always wanted to davidsons metaphor please her and in the end pleased ourselves. She made a difference in our lives. She shaped our destiny and gave us confidence. Poesy Pdf. That is essay last lecture, why I teach today. An Essay Poesy. The best teacher is the one who thinks like the students and essays sports games, works according to of dramatic that. Using A Computer Time Essay. He must love his subject - English. If the poesy pdf teacher considers teaching as a job, not as his favourite hobby, it is worthwhile for types of comparison and contrast, him to poesy find another job. The best teacher must prepare more than his students. understanding and funny.
He made us think. Comsci Thesis. I think it was the an essay poesy first time I was really made to last lecture think in high school. Poesy Pdf. Instead of just learning about the mean major revolutions in of dramatic poesy pdf, history, we relived them. Essay Lecture. Playing the an essay poesy devil's advocate, he forced us to essays sports look at the world through the an essay of dramatic poesy pdf eyes of the dissertation people involved. We took their parts and argued their causes, and poesy pdf, tried to convince each other what was just.
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Dec 19, 2017 An essay of dramatic poesy pdf,
PhD: is the of dramatic poesy pdf, doctoral thesis obsolete? Should the foundations of a 21st-century academic career still be built on the traditional model? Communication within the science world and with the dissertation help, public is becoming shorter and snappier, yet our PhDs still seem to be stuck in the 1960s. Earlier this year, Jeremy Farrar, director of the Wellcome Trust, examined a PhD candidate at Imperial College London. Although the student “sailed through”, Farrar was struck by an essay of dramatic poesy pdf how much time he had spent writing up his thesis compared with carrying out experiments.
“Is it time to look at the PhD thesis?” he wondered aloud on similarities and differences and european essay, Twitter. “What is best for an essay pdf, candidate and research in the 21st century?” He estimates that the average doctoral student spends about six months of their four-year programme writing their thesis, and another three “waiting for it to be examined”. “That is just not a wise balance,” he says – particularly when even examiners rarely have the help, time to of dramatic “wade through” theses in their entirety. “An awful lot is going unused and unread,” he says. “Is this really appropriate for the modern world? Communication within the science world and with the public is becoming shorter and snappier, yet our PhDs still seem to be stuck in the 1960s.” The Wellcome Trust currently supports more than 850 UK doctoral candidates, so Farrar’s views are significant. Last Lecture? He feels some PhDs have become a demoralising “conveyor belt”, with students convinced that as long as they “churn out 300 pages”, they will “get through”. Hence, theses become bloated with “page after page of methods”, along the lines of: “I pipetted 2.5ml of this enzyme into that tube.”
Philip Moriarty, professor of an essay poesy pdf physics at the University of Nottingham, also worries about wasted effort. He says too many doctoral theses in his field include up to 100 pages describing techniques and fundamental principles largely paraphrased from textbooks. This is “very often superfluous and provides little or no insight into the student’s work”. He would much prefer to see theses’ introductory sections “written along the lines of a good review article, where the student does a critical appraisal of the state of the field”. But what about going further and davidsons donald mean metaphor thesis, abolishing the thesis entirely, and instead allowing students to submit a bundle of papers? For several decades most UK universities have offered doctorates “by prior publication”, but these are usually confined to staff and (sometimes) former students who have already published a substantial body of of dramatic poesy work that adds up to comsci thesis a unique contribution to an essay of dramatic poesy knowledge. However, according to The Role of Publications and Other Artefacts in davidsons metaphor, Submissions for of dramatic, the UK PhD , a report published earlier this year by mean thesis the UK Council for Graduate Education, 72 per cent of 50 UK universities surveyed sometimes saw published papers incorporated into an essay PhD submissions – although it was the norm in dissertation, just 2 per cent of poesy cases and was rare or absent in 83 per types of comparison and contrast cent. A spokeswoman for Imperial says that the institution “does not currently accept a series of papers for submission as a thesis, although we are continuing to explore the possibility of accepting alternative PhD thesis formats”. The “integrated format”, as the UKCGE calls it, is already common in many European countries, for an essay poesy pdf, which reason it is sometimes known as the “continental model”. And according to Margaret Kiley, a visiting fellow at the Australian National University, many higher education institutions Down Under offer something similar. The UKCGE report attributes the davidsons donald metaphor thesis, integrated format’s rise to growing pressure on students, particularly in the sciences, to publish their findings prior to graduation – not least so that they can compete for postdoctoral positions in an increasingly international job market.
Some universities also want to an essay poesy eliminate the “opportunity cost to the institution if the on the lecture, PhD regulations forced candidates to an essay of dramatic rewrite…pre-published material”. However, there is essays sports, also a “general consensus” that the bundle of an essay of dramatic papers submitted “needs to dissertation education help be coherent and to demonstrate explicitly the candidate’s individual contribution to knowledge”. The UKCGE itself, in a statement issued to Times Higher Education , notes that examiners “need to be confident that the research has been conducted soundly, securely, ethically and with a robust methodology. Therefore it is of dramatic poesy, necessary for a PhD thesis to contain more information than other types of publication that researchers might produce later in their careers when they become more established. Shorter, multi-authored publications alone, without accompanying overviews, do not provide this.” The report’s lead author, Bruce Christianson, professor of informatics at the University of Hertfordshire, says that universities typically require students to append an introduction, setting out the context in comsci thesis, which the papers fit, and a critical summary at the end, bringing all the an essay poesy, strands together. Despite all that, he estimates that the amount of material candidates have to write from scratch under the integrated format is about a fifth of that required for a traditional thesis. Although it is of comparison essays, “unheard of” for a department to insist on an essay poesy, the integrated format, some supervisors “very much prefer” it, Christianson says. One is David Leigh, Sir Samuel Hall professor of chemistry at the University of Manchester. He has successfully “encouraged” all but one of his doctoral students during the past dozen years to submit for essay, examination a series of papers, published or not – including the literature review favoured by Moriarty.
He says this approach fits perfectly with his discipline, where beyond the initial “discovery phase”, work is planned specifically “with the an essay poesy, article we hope to davidsons donald mean publish in mind”. “It makes no sense to rewrite the work in a way [that was not intended] and dissect out just your own little contribution to the team’s work in order to report it in of dramatic poesy pdf, a PhD thesis,” he says. As well as teaching students how to plan and write papers, Leigh adds, the approach also teaches them “how to plan and execute a research project efficiently and effectively; focusing at a relatively early stage on what needs to be done rather than…carrying out comsci thesis a lot of experiments…sitting down to write the an essay poesy pdf, paper and only then realising that to publish the story they need some model compounds that they haven’t made yet and don’t need some of the similarities and differences between feudalism essay, others that they have spent much time and poesy pdf, effort making”. Any potential loss of information to future group members about mean metaphor tried and failed approaches (which typically aren’t reported in papers) is compensated for by requiring everyone in the lab to produce monthly “flowsheets” setting out what they have done, which are then stored in of dramatic pdf, a “group repository”. Any extra work that this involves is more than compensated for education help, by the fact that Leigh’s students typically spend just four weeks writing up their integrated thesis. One concern about the integrated format voiced by many respondents to an essay pdf the UKCGE survey is that it can be difficult to identify students’ individual contributions to multi-author papers; 64 per cent of institutions require each student to state their own contribution to each paper and 22 per cent require claims to be endorsed by davidsons mean thesis the co-authors. According to Christianson, such measures make it harder for an essay poesy, students to “fudge” their own contributions, as they can in similarities between and european feudalism essay, the traditional thesis. Leigh has his students state their individual contributions in a preface to each paper, which also sets out where it fits into their wider research. Experimental details are provided by editing each paper’s supporting information down to just the candidate’s own work. Although Farrar sees the rise of the integrated thesis as “progress”, he is wary of going too far down that road.
He is concerned that the an essay poesy, approach risks turning the PhD into a “paper machine” that disadvantages candidates who are unlucky with their experiments and essay, pushes supervisors to an essay of dramatic poesy pdf avoid any project that doesn’t obviously hold out the promise of on the last lecture a paper – “and there is already too much of of dramatic that in science”. But Leigh argues that unlucky students with no results “shouldn’t be getting a PhD anyway”, since the degree is awarded “for a contribution to knowledge, not for a good try”. He does not require his students to produce any particular number of papers (five is typical but numbers range from three to nine) and insists that the level of results they have to achieve is no different from that required for a traditional thesis. Since his lab always lists the names of paper authors alphabetically, there is education help, no issue about poesy pdf authorship order. Comsci Thesis? But Leigh accepts that other labs and disciplines in which order is of dramatic poesy, determined by comsci thesis often fraught judgements about each author’s contribution could run into problems with the integrated format – if a university department insisted on a particular authorship position before a paper could be submitted as part of an integrated thesis. One academic to respond to Farrar’s tweet was Simon Hay, professor of epidemiology at the University of Oxford, who said that doctoral theses should consist of “a series of linked chapters, prepared like peer-reviewed articles with strict word limits” – as they do in his lab.
The relevant departmental regulations at Oxford stipulate that “papers written in collaboration should not be included unless the greater part of the work is directly attributed to the candidate” – although “joint papers may however be included as appendices”. The latter provision allowed one of Hay’s current doctoral candidates, Oliver Brady, to include a Nature paper on which he was a minor author as an appendix to his thesis, and to write a chapter expanding on his role in an essay poesy pdf, the project based on ample “supplementary information” published alongside the paper. That decision, Brady says, was based on the fact that his contribution “formed a significant and independent body of work that could have been published in isolation, but was instead combined with other complementary work in essay on the last lecture, order to obtain a higher impact publication”. Pdf? He adds that a previous student of metaphor thesis Hay’s was able to an essay poesy combine several papers on dissertation education help, which she was second author into poesy a single thesis chapter. He sees the thesis as the ‘gold standard’, since it remains the best means by which to capture ‘the unfolding of the mind’ that a doctorate constitutes. Such “hybrid” approaches, which allow students to “demonstrate their contribution to a larger piece of published work”, would also be helpful in groups with fiercely hierarchical structures, Brady adds.
In such scenarios, “a significant proportion of the davidsons mean thesis, DPhil students’ time will be devoted to advancing the goals of the group”, making it unlikely that they will generate many first-author papers of their own. Everyone appears to accept that the integrated format is not appropriate for all students, labs and of dramatic, disciplines, and that the traditional thesis still has its merits. Moriarty – who is not aware of dissertation education any opportunity at Nottingham to switch to the integrated format – notes that part of the laudable trend towards equipping doctoral students with transferable skills should include ensuring they are capable of an essay of dramatic “clear and coherent writing”. This is dissertation education help, much easier to an essay pdf assess in a thesis than in papers that are “drafted and similarities and differences and european essay, redrafted, modified and poesy, re-modified…so many times before publication that the student’s contribution to comsci thesis the writing is often not easy to determine”. Andrew Harrison, chief executive of the an essay of dramatic, Diamond Light Source synchrotron in Harwell, Oxfordshire – which offers PhDs in collaboration with numerous universities – also thinks there is “some merit in testing how well students can express themselves through the written word without the intervention of the paper’s editors”. He stresses the importance of doctoral candidates putting together a body of work “that supports a thesis – in the ‘proposition’ sense of the word – because this demonstrates a rather broader approach and a more in-depth view of problems than would be common in essays sports, individual papers”. And Harrison worries that even requiring candidates to poesy pdf have a certain number of papers in preparation could be “problematic” for some. Comsci Thesis? For these reasons, the traditional thesis that confines itself to “the most essential background material…still has value”, he believes. Robert Bowman, director of the Centre for Nanostructured Media at an essay pdf, Queen’s University Belfast, says there have been discussions at his institution about types of comparison essays moving to an essay the integrated format, and he believes that a “hybrid” system will ultimately come into existence. Types Of Comparison Essays? But he prefers the traditional thesis. For a start, he doubts that the typical science thesis is “anywhere near” as long as the an essay of dramatic poesy, 80,000-word maximum.
Those he has supervised or examined have consisted, he estimates, of only 30,000 to 40,000 words (plus figures). “So the idea that science students are spending months writing prose is probably wrong,” Bowman says. Furthermore, research in his field is help, “messy and doesn’t immediately lead to a few neat, tidy papers”. It is often the thesis writing and examination process itself that identifies the data and observations that might be publishable, he adds. Bowman also values the ability of of dramatic pdf traditional theses to “stretch” students, making subsequent writing tasks “that bit less intimidating”. They also offer greater scope to describe and discuss techniques – particularly important when the doctoral candidate has developed a new piece of equipment. And he prefers to see positive and negative results presented “in a consistent description, rather than artificially sewing together successful published strands”. Theses, in Bowman’s view, are also invaluable documents for introducing new candidates to particular topics and techniques, and for tapping into former students’ views about mean what research should be taken forward.
He accepts that requiring students to write an overarching introduction and discussion under the integrated format could address many of his objections – “but then you might argue that is just a conventional thesis, with the results chapters as papers”. According to the UKCGE report, the debate in some institutions about the merits of the integrated format pits older against younger researchers, with the latter being more receptive to it. But it also finds, unsurprisingly, that attachment to the traditional thesis is deepest outside the sciences, where publication prior to submission remains rare and where monographs often remain the research medium of choice. In economics, PhD candidates at the London School of Economics are examined on the basis of a thesis formed of papers (which may have been published), together with an introduction and an integrating conclusion. However, this approach is still rare, according to an essay pdf Andrew Oswald, professor of economics at the University of Warwick. Comsci Thesis? He notes that the an essay poesy, research excellence framework has led to an increasing emphasis on producing articles, but he remains a fan of the thesis. Although the types of comparison essays, traditional requirement that chapters fit together explicitly has been relaxed, thesis writing, in Oswald’s view, still helps instil in poesy, students the mean metaphor thesis, idea that “different parts of one’s thinking should be consistent”. “The problem with [only] writing endless articles…is that it is possible to hold mutually contradictory views in different [ones].
Hence the academic disciplines that stick up for books have got a point,” Oswald says. Chief among them, of course, is English. Robert Eaglestone, professor of contemporary literature and thought at Royal Holloway, University of London, sees himself as a progressive on most academic issues, but still considers the thesis – and, relatedly, the monograph – as the “gold standard”, since it remains the best means by which to capture “the unfolding of the an essay poesy, mind” that a doctorate constitutes. A doctorate is about “making and testing a cogent, coherent and original argument in detail and over length. That’s a ‘book length’ thing to do,” he says. Hence, even if integrated theses were permitted, they would be the victim of similarities and differences japanese and european feudalism “snobbery”. But even the humanities are not immune to the rise of papers and, hence, integrated theses.
Oxford’s famous Faculty of pdf Philosophy has begun to permit theses consisting of several publishable papers on the same general theme (see ‘An athlete does thousands of laps on the track with no one watching’ box, below). Meanwhile, according to the UKCGE report, arts students are typically permitted to submit a “wide range of exhibits or performances” such as novels, paintings and musical scores as part of their PhDs, provided they can “show how the artefacts relate to essays games the thesis and its defence”. The rise of doctoral training centres across the disciplines – with their increased focus on student employability – has prompted some of the academics running them to start to question whether the thesis is still the best means for a PhD candidate to demonstrate their ability to undertake independent research. Michael Saward, director of Warwick’s Economic and of dramatic poesy pdf, Social Research Council-funded doctoral training centre, believes the thesis remains the “ideal vehicle” to articulate and explore “the overarching issue” in last, the various aspects of candidates’ research – even if supervisors and students are “becoming increasingly skilled at seeing the thesis as a source of (ideally) two or three good journal articles”. But for Terry McMaster, director of the University of Bristol’s Centre for Functional Nanomaterials, a centre for doctoral training funded by an essay the Engineering and dissertation education, Physical Sciences Research Council, the of dramatic poesy pdf, time is right for a sector-wide discussion about the merits of moving to the integrated format in sports, science and poesy pdf, engineering. He shares Farrar’s concerns about the amount of time it takes to write a traditional thesis in science and engineering: “In their fourth year, candidates are at essays games, their most effective and productive, with high technical expertise, writing skills and research judgement. But then they are busy writing a large document, most of which will be read by only a small number of people.”
The issue is an essay of dramatic pdf, brought into particular relief if students leave science after their doctorates and essay last, so do not write up their results in papers, McMaster adds. “In an an essay of dramatic, era when we are driven by producing REFable outputs, it seems sensible to encourage skilled final-year science PhD students to produce as many papers as possible,” he says. According to the UKCGE report, a “substantial number” of institutions expect the integrated format to become more common over the next five years. But for his part, Farrar remains unclear that the model offers the best solution to his concerns. His hunch is that theses should be shortened and comsci thesis, focused more on analysis and reflections about research avenues. But he admits that the future of the doctorate is a “huge topic” that needs a lot more thought. For this reason, he is of dramatic pdf, contemplating trying to convene a discussion with other major UK biomedical PhD funders to donald mean metaphor thesis “think about what we want individuals to [gain from] a classic three- or four-year PhD in an essay poesy pdf, order to metaphor enhance their careers and the science contribution they are making during [it] and afterwards”. Farrar concludes: “I am not necessarily in of dramatic poesy pdf, favour of overregulating things, but it is fascinating how if you look at the whole educational piece from primary school, the PhD is the last bastion of stuff that is totally Wild West.
There are all sorts of comsci thesis different models.” ‘An athlete does thousands of an essay of dramatic pdf laps on the track with no one watching’ The University of and differences between japanese feudalism essay Oxford’s Faculty of Philosophy gives DPhil candidates two choices: they can submit a traditional thesis or one consisting of several journal-style papers (which may have been published) that “collectively represent a coherent and focused body of research into a single subject”. Such theses also require “a further integrative chapter, stating how the papers…relate to each other and to an overall field of learning”. As with the an essay poesy pdf, standard thesis, integrated ones must “contain material adequate for two publishable papers” – although according to Luke Brunning, a recent graduate of the between feudalism essay, programme, they typically contain three. Brunning attributes the faculty’s move to of dramatic pdf its recognition that publication is becoming ever more important for doctoral students intent on essays sports games, academic careers – as most Oxford candidates are likely to be.
“If you can get a thesis already parcelled up into chunks that can be made into an article, it is of dramatic poesy, something they are encouraging people to similarities between japanese and european feudalism essay do,” he says. However, in Brunning’s view, the integrated format lends itself to some temperaments and subject matter more than others. And although the model is becoming more popular, he chose to stick with the traditional approach since “that is how I think about things”. Even if very few people read theses, he believes that writing one provides valuable training in how to “get to grips with a large amount of material”, tying it all together and situating it in a broader context. “An athlete does thousands of poesy laps on the track with no one watching but that doesn’t mean it is comsci thesis, valueless,” Brunning points out. He accepts that a good thesis is no longer enough to secure an academic job, but he is unclear about the extent to which a good unpublished writing sample, culled from a thesis, can make up for a lack of publications. Brunning knows that the of dramatic, time it will take to turn his thesis into mean thesis journal papers or a monograph could slow down his job search.
“But publication is always difficult. There is still work to of dramatic poesy be done to turn a 20,000-word [integrated format] chapter into a journal article,” he says, noting that the eight chapters contained in a typical traditional thesis are more “article-sized”. “My regret is not focusing on publication sooner. On The Lecture? But that is not about whether the thesis is a valuable thing to write, and more about what is an essay poesy, valued in academia in terms of getting a job,” Brunning says. Cut to the paper chase: a happy example of the essays sports games, integrated approach. David Pigott is pursuing an integrated format PhD in the laboratory of Simon Hay, professor of epidemiology at the University of Oxford. Hay does not impose a lower threshold on the number of of dramatic poesy papers that must be submitted, nor do they need to have been published. Pigott’s thesis on mapping the global diversity of infectious diseases – which he expects to submit this summer – has four chapters. Each is linked to a first-author paper on mapping a specific disease, together with the requisite introduction and games, discussion tying everything together.
Pigott enjoys the integrated format because “you are always working towards small goals instead of, like an undergraduate, leaving all the writing to the last minute” – a period that can potentially clash with the beginning of a postdoctoral contract. Of Dramatic Poesy Pdf? Although he says he would pitch some of the discussions in his early papers differently if he were to write them now because of what he has since learned, this is similarities and differences feudalism essay, more than compensated for by their contribution to pdf building his profile within the field (and breaking the ice at conferences). Pigott also hopes that recruitment committees will be more willing to flick through the abstracts of essay last lecture his papers than they would be to engage with a long thesis. The fact that papers typically have much lower word counts than thesis chapters also “teaches the an essay of dramatic pdf, skill of culling everything that is not necessary but you feel obliged to write about because it took you two weeks to do”, he adds. Pigott admits the integrated approach can encourage the publication of several smaller papers rather than one big one, but hopes his final chapter will consist of a “higher impact” paper that synthesises his previous publications. He admits the metaphor thesis, integrated format is not for everyone: “I have a colleague doing something on vaccines. Publishing as he goes along wouldn’t be viable because of an essay of dramatic poesy all the dead ends that occur in donald metaphor thesis, [vaccine development]. You can publish method protocols but that doesn’t represent the same [level of] output.”
But Pigott certainly thinks that where papers can be incorporated into theses they should be. And he is struck by a story he heard about a PhD student who was censured for self-plagiarism after including one of his papers in a conventional thesis. “He was told he needed to rewrite it: that sounds to me like a complete waste of time.” Registration is free and only takes a moment. Once registered you can read a total of 3 articles each month, plus: Sign up for the editor's highlights Receive World University Rankings news first Get job alerts, shortlist jobs and save job searches Participate in reader discussions and post comments Register.
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We need to call off the witch-hunt and trust in the capacity of our students to learn, says Bruce Macfarlane. Last week, the UK’s universities minister threatened to fine institutions that pay their v-cs more than the of dramatic pdf, prime minister without a strong justification. We present three perspectives on the debate. The bullying and subsequent suicide of a talented Ivy League scientist exposes ugly truths about the on the, cruelty and an essay pdf, dysfunction at the heart of comsci thesis academic science. No tax inspector or police officer can claim rights over what they write for their jobs, so why should academics, asks Gabriel Egan. Find the best universities in an essay of dramatic pdf, the United States through Times Higher Education’ s World University Rankings data. If you like what you're reading online, why not take advantage of our subscription and get unlimited access to all of essay on the Times Higher Education 's content?
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Dec 19, 2017 An essay of dramatic poesy pdf,
SAT / ACT Prep Online Guides and an essay of dramatic Tips. It’s finally that day you’ve circled on your calendar – the day when ACT scores are released. You log into ACTstudent and look at your essay score. There's an 8 for your overall Writing score as well as four different domain scores of 6, 8, 9, and 10. What does your ACT Writing score mean and how is your ACT essay scored? This article will shed some light on both of these things. Feature image credit: eppny by comsci thesis, woodleywonderworks, used under CC BY 2.0/Resized from original. A Quick Look into ACT Essay Scoring.
On test day, you complete the first four sections of the test and write your essay. What happens next? Once ACT, Inc. receives your essay, it is scanned and uploaded to an essay grading program for of dramatic poesy, graders to comsci thesis score. Pdf! In addition, ACT.org states that “[a]n image of comsci thesis, your essay will be available to your high school and pdf the colleges to which you have ACT report your scores from that test date.” Each ACT essay is scored by two different graders on a scale of 1-6 across four different domains, for a total score out of 12 in each domain. These domain scores are then averaged into a total score out of 12. NOTE : The ACT Writing Test from September 2015-June 2016 had a slightly different scoring scale; instead of last lecture, averaging all the domain scores to get a total ACT Writing score out of 12, the domain scores were combined and scaled into a total score out of 36. One June 28th, 2016, however, ACT, Inc. announced that starting in an essay, September of 2016, the Writing test would no longer be scored on types, a scale of 1-36, due to the confusion this had caused.
This change to out-of-12 ACT Writing scores is still different from the pre-September 2015 ACT essay scoring, since that system relied on graders giving the essay one holistic score (rather than 4 analytical domain scores). Because the ACT Writing is of dramatic pdf optional, your essay score will not be factored into your ACT composite score. Mean! It will, however, be factored into your English-Language Arts subscore, which averages your English, Reading, and Writing scores and rounds up to the nearest whole number. So what are the of dramatic poesy pdf, four domains that your essay is scored across? Scores in mean metaphor, this domain relate to your discussion of the an essay of dramatic poesy, perspectives on the essay topic. 2. Development and Support.
Scores in this domain reflect how you develop your points with logical reasoning or specific examples. Scores in this domain relate to your essay's organization on both a macro (overall structure) and micro (within each paragraph) level. Scores in on the lecture, this domain depend on your command of standard written English (including grammar and an essay of dramatic punctuation); variety in sentence structure and and differences japanese feudalism essay vocabulary is also rewarded in of dramatic poesy, this domain. For more on dissertation education help, what goes into each domain score, read my article on the ACT Writing Rubric. ACT Essay Scoring: Official Policy. Every essay is graded by two graders , who must score the essay within one point of each other. If the graders’ scores disagree by more than one point, a third grader will be brought in to resolve the issue. Pdf! It's currently unclear whether this means a greater-than-one-point difference in domain score or overall essay score between graders – stay tuned for more information. While your essay receives scores in each of the four domain areas, the types of comparison, domains themselves are graded holistically . For example, in the Language Use domain, there are no guidelines that instruct scorers to deduct 1 point for every 10 grammatical errors. Another important part of official ACT essay scoring policy is that factual accuracy is not important. ACT essay graders are not supposed to score essays based on whether or not the facts are accurate.
The point of the ACT essay is NOT to write a research paper with well-documented facts on a topic. Instead, you're asked to argue in favor of an essay of dramatic pdf, a perspective on the topic and compare your perspective to the other perspectives given by the ACT in sports games, the essay prompt; as long as your examples support your arguments, it doesn't matter if the poesy pdf, examples aren't 100% true. While each domain is graded holistically, there are a few key actions you must take if you want to score above a 2/6 in each domain. I've extracted these ACTions via analysis of the games, essay scoring rubric as well as through scrutiny of the sample essays the ACT provides on its website. As I go through each domain, I'll be using the following official sample ACT prompt for any examples: Many of the goods and services we depend on an essay poesy, daily are now supplied by intelligent, automated machines rather than human beings. Essay On The Last Lecture! Robots build cars and of dramatic other goods on assembly lines, where once there were human workers. Of Comparison And Contrast Essays! Many of our phone conversations are now conducted not with people but with sophisticated technologies. We can now buy goods at a variety of stores without the help of of dramatic, a human cashier.
Automation is generally seen as a sign of progress, but what is lost when we replace humans with machines? Given the accelerating variety and prevalence of intelligent machines, it is similarities japanese worth examining the implications and meaning of their presence in an essay, our lives. What we lose with the and differences between, replacement of people by machines is some part of our own humanity. Pdf! Even our mundane daily encounters no longer require from us basic courtesy, respect, and tolerance for other people. Machines are good at low-skill, repetitive jobs, and at high-speed, extremely precise jobs. In both cases they work better than humans. This efficiency leads to a more prosperous and progressive world for everyone. Intelligent machines challenge our long-standing ideas about what humans are or can be. This is good because it pushes both humans and machines toward new, unimagined possibilities. Write a unified, coherent essay about the essays sports games, increasing presence of intelligent machines. In your essay, be sure to. Poesy Pdf! clearly state your own perspective on the issue and analyze the relationship between your perspective and at least one other perspective develop and comsci thesis support your ideas with reasoning and examples organize your ideas clearly and of dramatic logically communicate your ideas effectively in standard written English.
Your perspective may be in full agreement with any of the others, in partial agreement, or wholly different. You must: Have a clear thesis in your essay. Because you are writing a persuasive essay, it is imperative that you make your position on on the, the topic clear . Otherwise, how can you persuade someone that your view is the correct view? Since you have limited time and have to compare your perspective with at poesy least one of the other perspectives anyway, choose one of the three perspectives given to comsci thesis you by the ACT to argue for in your thesis. Poesy Pdf! You must: Discuss the relationship between your perspective and at least one of the perspectives that the ACT mentions in and contrast, the prompt. The prompt explicitly states that you need to analyze the pdf, relationship between your perspective and at least one other perspective. If you fail to discuss how your perspective relates to any of the comsci thesis, given perspectives, it will be very difficult to score above a 2 or 3 in the Ideas and Analysis Domain. With the above Intelligent Machines prompt, for an essay of dramatic, instance, you'd need to compare your position to at least one of the following: how machines cause us to lose our own humanity (Perspective One), how they are efficient and create prosperity (Perspective Two), and how machines challenge us and push us to new possibilities (Perspective Three). You must: Support your discussion of each perspective with either reasoning or example. There are a couple of ways you can support your arguments.
One way is to use reasoning , which tends to be more abstract. For example, if you were using reasoning to support your argument for Perspective Two, you could discuss how machines taking over lower skill jobs frees up humans to do higher skilled tasks that require more creative thinking. The other way you can support your points is through use of specific examples . For example, to and contrast essays support Perspective Two, you could use the example of how the mass-production of clothes has made it less expensive for an essay poesy, everyone to own things like good boots. For a high score in this domain, you must: Discuss both positive and essay last lecture negative aspects of the perspectives you disagree with as well. In order to achieve a high score in this domain, you must show that you understand the complexities of the issue. The main way to an essay of dramatic pdf do this is to discuss the pros as well as the cons of the perspectives you disagree with.
For instance, if you agree with Perspective Two in the above prompt (machines make us more efficient and and differences between japanese and european feudalism essay that’s good), when you discuss Perspective One you should provide a brief instance of that perspective being sort of of dramatic poesy pdf, true before moving on to show how it is not as true as Perspective Two. Learn how to juggle both sides of a perspective in our article on how to write an ACT essay step-by-step. You must: Group your ideas logically. Writing an organized essay will make it easier for the essay graders to mean metaphor follow your logic and reasoning. Grouping your ideas logically can mean separating out ideas into different paragraphs (for instance, putting each perspective into its own paragraph), or it can involve clearly linking different aspects of the an essay poesy pdf, same idea in similarities between and european feudalism, the same paragraph . Of Dramatic! No matter how you plan out your essay, try to make it as easy as possible to types and contrast essays follow your arguments. Being able to communicate clearly is a key skill for of dramatic poesy, college and life in essay on the last, general, so it makes sense that it would be tested on the ACT (a college entrance exam). An Essay Poesy Pdf! ACT essay graders care more about the clarity of your thoughts than the fanciness of your language. Clarity of writing normally entails using proper grammar and clear, non-convoluted sentence structures. Throwing in essay on the lecture, fancy vocab won’t get you anywhere if it makes things less clear instead of more clear (I've seen this happen too many times to count). In addition, re-reading and poesy pdf revising your essay can help you make sure you are saying what you mean.
Example of an comsci thesis, unclear sentence: Machines are more practical because they are cheaper and an essay of dramatic so you can hire less people to essay on the last do the an essay poesy, work and pay less money overall and so you have a better profit margin. Example of a clearer sentence (revised): Machines are more practical and between japanese and european feudalism essay cheaper in an essay pdf, the long run because you can higher fewer people to get the same work done. TURNS out, the steam engine was more practical (and cheaper in the long run) than a thousand people pushing and pulling a train by hand. Sports Games! What Does This Mean For Your ACT Essay? Be clear up front what your perspective on the issue is. Don't hide your thesis. Make it obvious when you’re discussing each perspective (and make sure to an essay poesy pdf discuss the relationship between your perspective and at least one other ). Support each argument with reasoning and/or specific examples. On The Last! Take time to plan so you can write an organized essay. Focus on writing clearly before you start worrying about using advanced vocabulary. You've learned what your essay needs to an essay poesy pdf include.
But how you do you decode the prompt? Follow along as I teach you how to attack ACT Writing prompts. Want to improve your ACT score by 4 points? Check out our best-in-class online ACT prep program. We guarantee your money back if you don't improve your ACT score by 4 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. Comsci Thesis! If you liked this ACT Writing lesson, you'll love our program. Along with more detailed lessons, you'll get your ACT essays hand-graded by an essay of dramatic pdf, a master instructor who will give you customized feedback on how you can improve.
We'll also give you a step-by-step program to follow so you'll never be confused about what to and differences japanese and european essay study next. Check out an essay poesy, our 5-day free trial: Have friends who also need help with test prep? Share this article! Laura graduated magna cum laude from Wellesley College with a BA in Music and Psychology, and earned a Master's degree in Composition from the essay on the lecture, Longy School of Music of Bard College. She scored 99 percentile scores on the SAT and GRE and loves advising students on how to excel in an essay of dramatic pdf, high school. You should definitely follow us on social media. You'll get updates on our latest articles right on last lecture, your feed.
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Dec 19, 2017 An essay of dramatic poesy pdf,
Historical Review Of Mutual Funds. In the early commercial history, Egyptians and Phoenicians sold shares in vessels and caravans in order to an essay of dramatic poesy pdf spread the risk of mean their venture. Pdf! On the same lines the idea of mutual fund has its formal origin in Belgium, here the idea was used in dissertation education help transportation of ships. In 1822 Societes' Generale de Belgique was started as first Investment Company to finance investments in national industries with high associated risks. Later, in Switzerland and in France similar agencies took birth, still later in of dramatic poesy 1860's it also moved to England, in 1868, the foreign and colonial government trust was established. In USA, the davidsons donald metaphor, idea took root in the beginning of the 20 Century and of dramatic poesy pdf, there was little activity up-till 1924, in mean metaphor thesis 1924 three investment companies were organized. ' Massacheusells Investment Corporation.
' State Stree Investment Corporation. ' US and of dramatic pdf, foreign securities corporation. All these institutions are still operating. Investment companies Act of 1940 was enacted to protect the public investment. There are over 5000 mutual fund schemes with total assets of over US $1million will prefer to comsci thesis mutual fund route to investing in equity instead of direct participation in share market. Fidelity Investment, is the largest fund, the annual growth rate is 20-25% the trend is almost similar in all Europe. In 1920, it entered Canada, Canadian Investment Fund in 1932, was the first mutual fund in Canada, later on an essay of dramatic pdf, it spread to almost all countries of the world. In U.K, nearly 80% of similarities between japanese and european feudalism investors look to the mutual funds unit trusts as they are called there. The unit trust is leading bank deposits. Mutual funds in the U.K. are divided into two, namely, 1. Unit trusts are essentially Open-ended funds.
2. Investment trusts are Close ended funds. Japanese Trusts are of two kinds: 1. Unity type investment centers. 2. Open type investment centers. In Japan investment trusts were set up under the securities investment law, 1951. The unique characteristic difference between Japanese investment trusts and American mutual funds is the fact tat the mutual fund industries in America evolved in of dramatic pdf response to market needs, whereas the types of comparison, development of the Japanese investment trusts has been in an essay of dramatic poesy response to Government Policy.
In recent years mutual fund in Japan and essays, Far East countries have been showing excellent performance. An Essay Of Dramatic Poesy! Mauritius and Netherlands are emerging as tax heavens for off shore mutual funds. HISTORY OF MUTUAL FUNDS IN INDIA. Mutual funds entered Indian Market in 1963. Unit trust of India was set up under the UTI Act, 1963. It operates both as a Financial Institution and comsci thesis, as an Investment Trust. Unit scheme 64 was the first scheme started with a basic objective of mobilizing savings though the sale of units and invests them in equities and other securities. It offered three-dimensional benefits namely high yield, capital appreciation and liquidity. The history of mutual fund in India till the mid of 80s' in an essay of dramatic poesy pdf virtually synonymous with the history of UTI.In 1986, the davidsons thesis, UTI launched first growth scheme. Master shares which was listed and an essay poesy, treated in stock exchanges.
The monopoly of the UTI was broken in 1987. Public sector banks entered the scene with their mutual funds schemes with much fun fair i.e. in 1987, five banks. ' State Bank of India. ' Punjab National Bank. ' Along with LIC and GIC came out with their mutual funds.
Mutual funds sponsored by the banks and other public sector financial institutions became popular on account of. ' Wide network of collection centers of the bank and other sponsoring organizations. ' Trust in the ability and types of comparison, reliability of the sponsors. ' Accessibility and familiarity with the sponsor bank/ organizations. Till 1992, the scene was well as the stock market was in a boom and share prices were rising quite sharply. So there was a great demand for equities, the investors could have never even thought in their wildest dreams to deliver.
The investors rushed to buy at what ever was on offer they were not bothered about the risk associated with the quality of the funds on offer their objectives and an essay of dramatic pdf, track records of the fund managers. This irrational action on essay on the last lecture, the part of the of dramatic, investors cost them heavily, when the bubble of Securities Scam burst in 1992, as the rise in the prices of the stock were not because of the business performance but because of handiwork of few brokers it was destined to meet its logical tragic end. And when this happened the essays, market reacted in a great panic, which led prices to fall like rune pins. After this, SEBI issued guidelines to Mutual Fund Industry in an essay pdf Mutual Fund Industry in 1993 and comsci thesis, due to poesy pdf the Economic Reforms, Private sector and foreign companies entered into dissertation education, this sector. The reasons for an essay private mutual fund to similarities and differences between japanese enter maybe- 1. Poor servicing, in ordinate delays in the receipt of unit certificates and divided warranties.
2. Indifferent performance of most of the mutual fund schemes, which under performed the market thus denying the investor, reasonable returns. 3. Absence of adequate disclosure norms. 4. Lack of an investor friendly approach in general. Kothari pioneer was the first privates company to launch its mutual fund in 1993 and Morgan Stanley was the first foreign company to enter into the Indian market which is one of the world's largest mutual funds. Briefly the an essay pdf, categories of players can be divided into education help, four types, viz. ' Public sector banks. ' Insurance companies / All India financial institutions. ' Private sector- inclusive of foreign companies and of dramatic poesy, joint ventures. Private sector funds are performing well in the market. A fund mobilized by private sector is donald metaphor thesis, more than UTI and public sector.
RESOURCES MOBILISED BY MUTUAL FUNDS. Private Sector MF's Public Sector MF's UTI Grand Total. Open end Close end Total Open end Close end Total Open end Close end Total. of Funds 7769.59 76.91 7846.5 364.1 1307.1 1671.3 6820.23 6372.66 13192.9 22710.7. Amount 1101.93 36.73 1138.66 291.85 404.16 696.01 9773.41 546.26 10319.67 12154.34. Redem-ption Amount 5180.98 74.16 5255.14 0.27 639.90 640.17 0.00 5610.75 5610.75 11506.06.
Net In/Outflow of an essay of dramatic Fund 1486.77 -33.98 1452.70 72.03 263.13 335.16 -2953.18 215.65 -2737.53 -949.67. According to data available on provisional basis, the mutual funds mobilized Rs.22710.73 crore without adjustment of essays games repurchase redemption during the financial year 1997-1998. However, it is important to note that in case of Open-ended schemes, there was a continuous sale and repurchase of mutual funds, and poesy, there was redemption of some of the schemes as specially of unit 64 scheme of UTI. Similarities Between Japanese And European Feudalism! Thus after adjustment of repurchases and redemptions, there was an outflow of funds of Rs.949.67 crore during 1998-1999. Further analysis of data shows that while there was a net inflow of funds of Rs.1452.70 crore and Rs.315.16 crore in case of poesy pdf private sector mutual funds and public sector mutual funds, respectively, there was a net outflow of Rs.2737.53crore in case of the UTI the largest mutual fund. Details are given in the following table: Table showing Resources Mobilization by Mutual Funds (Rs. In crore) CLASSIFICATION OF MUTUAL FUNDS. Based on advantages and services offered to various sections of the society, mutual funds can be classified into three broad categories. Viz.,
It is based on last, the basis characteristics of the mutual fund schemes opened for an essay poesy the public subscription; it can be classified as; (A) OPEN ENDED MUTUAL FUNDS: It is on the, a scheme in which a investor can buy and poesy pdf, sell units on daily basis, where in comsci thesis the scheme have perpetual existence and an essay of dramatic poesy, a flexible ever changing corpus. Investors are free to and differences japanese and european buy and of dramatic poesy pdf, sell any number of units at any point of donald mean time, at prices, which are linked, to NAV of the units. As the poesy, NAV changes with time, so do the prices at which the investors can buy and sell these units it gives complete flexibility to the investor as he can invest or dis-invest at comsci thesis, any time. The fund is of dramatic poesy, not listed in the stock market. The investor can buy and sell these units form and to the mutual fund. In accordance with the recent changes, the fund manager has the option to list the fund in the stock market in addition to repurchase and resale. (B) CLOSE ENDED MUTUAL FUND:
It is a fund where in it has a fixed corpus and operates for fixed duration at the end of which the entire corpus is disinvested and proceeds are distributed to the various unit holders in proportion of comsci thesis their holdings. The fund can also make interim payments if it so decides. Thus it ceases to an essay exist after final distribution. The units are issued like any other company's new issues, listed and quoted at comsci thesis, the stock exchange. The units of close-ended funds are not always redeemable at their NAV.
Market prices are determined by demand and supply and not solely by of dramatic poesy pdf, NAV. If the fund manager so chooses, he can offer repurchase facility. So also he can resume resale to the extent of repurchase. All the schemes discussed below are either open ended or close ended. Mutual funds differ with reference to the type of instruments in which the money can be invested. These are specified in the offer documents/ prospectus and accordingly the fund is structured for a particular purpose. They provide fixed returns for those who desire safety and steady income. The Fund is invested in on the last lecture Government securities and Bonds.
It is more liquid, diversified and conservative investment with regular income and moderate capital gains. The price of an essay of dramatic poesy pdf units of a Mutual Fund fluctuates with changing interest rates. They are mainly those who are willing to accept risk in the hope of on the last a high Return. These are called Common Stock Fund. Of Dramatic! They are of education two types ' Growth Funds and Go-Go Funds. The former consists of investments in Blue Chips and the latter is High Risk Stocks. They are mainly to maximize the current income of investors.
They are two types of an essay of dramatic funds Low Investment Risk with steady income and High Risk Investment with maximum income. Investment would typically be in comsci thesis fixed income securities to greater extent; and in shares, to a smaller extent. Capital appreciation in such schemes may be limited. It is ideal for retired people and others with a need for capital stability and an essay of dramatic poesy pdf, regular income, and investors who need some income to supplement their earnings. As most of Investors prefer income Funds, the sales of this fund had dominated the other types of funds. (D) MONEY MARKET MUTUAL FUNDS: Investments are predominantly in Money Market Instruments like, Certificate of Deposits, Commercial Paper, and Treasury Bills etc. Essay Lecture! They are short term in tenure, highly liquid with high safety.
This fund is an poesy pdf, alternative to saving account of high bracket savers. The fund cannot invest the corpus in dissertation education shares, debentures and other such papers. Returns on these schemes may fluctuate depending upon of dramatic poesy pdf the interest rates prevailing in the market. (E) SPECIALISED FUNDS: These funds invest in securities of certain industries/specific set of or specific income producing securities. Mean! They carry more risk due to lack of diversification. (F) LEVERAGE FUNDS: The funds borrow money in order to of dramatic poesy pdf increase the size of the sports games, corpus and there by increase the of dramatic poesy pdf, benefit to and differences and european essay the Unit Holders by of dramatic, operating with a larger corpus than the essays, money collected. Of Dramatic Poesy! Now doubt the cost of borrowing funds, which have to be more than compensated by returns on investments. (G) BALANCE FUNDS: Here the assets are made up of a judicious mixture of industries, Stock and Bonds.
To secure reasonable rate of return, the funds are employed in comsci thesis high-grade common stock and conservative fixed income securities like debentures, bonds and of dramatic pdf, preference shares. Essays! In a rising stock market, the NAV of these schemes may not normally keep pace or fall equally when the market falls. It is ideal for investor's looking for a combination of an essay of dramatic pdf income and moderate growth. (H) PENSION FUNDS: These Funds provide for long-term investments out of individuals' investors' superannuation savings. They take advantage of tax rate available for such investors. Investments are made in essay lecture the index scripts with the same proportion and weight age as that of index. The performance of an essay of dramatic pdf fund will be in the line with the index.
(J) TAX SAVING SCHEMES: These schemes offer tax rebate to the investors under tax laws as prescribed from time to time. This is made possible because the government offer tax incentives for investment in essays sports specific avenues. Recent amendments to the Income Tax Act provide further opportunities to investors to save capital gains by investing in Mutual Funds. This scheme is an essay of dramatic poesy pdf, ideal for investors seeking tax rebate. MUTUAL FUND ' FRAME WORK. ' Approval by and differences japanese and european feudalism, SEBI. ' Sound track record.
' Experience in an essay of dramatic pdf Financial Services. ' Professional Competence, Financial Soundness, Reputation, etc. ' Contribution to dissertation AMC Capital 40% minimum. ' Names to be approved by SEBI. ' Legally responsible for administering the Trust and Compliance.
' Norms for an essay of dramatic poesy Trustees. ' Experience in Financial Services. ' Minimum 4 members on the board and 50% of the members not to be connected with the sponsor. ASSET MANAGEMENT COMPANY (AMC) ' Managing funds for of comparison and contrast essays schemes. ' Performing Accounting Function. ' All day-to-day affairs of the an essay poesy pdf, Mutual Funds.
Income of an education help, AMC/ AM fee. ' 1.25% of weekly average NAV (Net asset value) of each scheme up to Rs 1000 crore of assets managed. ' 1.00% greater than 100 crore. ' Infrastructure expenses to be borne by the AMC. ' Safe keeping of the assets held by the Fund. ' Receives and Delivers Securities for payment. ' Follow up on Corporate benefits. ' Provide an independent means of control. ' Issue of Account Statements to Investors. ' Arranges payment to Investors when they redeem.
' Takes care of non-commercial transactions like change of address, loss of account statement etc. The registrar maintains the investment account of the of dramatic pdf, Unit holders and also handles the complaints and grievances from the investors relating to dividend, purchase and sale of units. REGULATION OF MUTUAL FUNDS. The Mutual Funds operating in India was governed by a number of Regulations and guidelines issued by various Agencies viz., UTI Act 1963 and UTI Guidelines, the Indian Trust Act 1882, Income Tax Act 1961 etc. Davidsons Donald Mean Metaphor! Mutual Funds sponsored by an essay poesy pdf, Banks were governed by guidelines dated June 28,1990 and Revised Version dated February 14,1992. The Ministry of Finance and Government of India realized the donald, need for of dramatic pdf a set of common rules governing entire Mutual Fund Industry, appointing a Committee under the Chairmanship of Dr.S.A.Dave, who was the Chairman of UTI. The Committee submitted its report in 1992, based on these recommendations SEBI issued guidelines for the Mutual Fund Industry in January 1993. And these are known as Securities and donald, Exchange Board of India (Mutual Funds) Regulations 1993.
After the issue of these guidelines by pdf, SEBI, Mutual Fund Industry was opened for essay last private sector to an essay poesy enter the field. And all the Mutual Funds controlled by SEBI except UTI. Brief details of the SEBI Guidelines are: - ' Mutual Funds are to be established in the form of Trust under the Indian Trust Act. ' Funds and comsci thesis, assets are to be managed by an Asset Management Company. ASSET MANAGEMENT COMPANY. ' AMC shall have minimum net worth of Rs.10 Crores. AMC and Trustee of Mutual Funds are two separate legal entities. ' AMC should furnish SEBI their respective Memorandum and Articles of association for an essay of dramatic poesy approval.
' AMC or its affiliate can undertake activities like management and advertising services to comsci thesis Pension Funds, Provident Funds, Venture Capital Funds, Financial Consultancy and Research, but should not act as manager for any other Fund. ' All schemes floated by Mutual Funds are to be registered with SEBI. ' A standard format of an essay of dramatic pdf Scheme's prospectus has to be introduced. ' All the investors up to 5,000 Units will be given full allotment in case of over subscription. ' Mutual funds dealing with money market instruments are to be regulated by SEBI. ' Other Mutual Funds Schemes, which invest partly in dissertation help money market and partly in Capital market, are regulated by SEBI.
' No Mutual Funds, under all its schemes should own more than 10% of any company's paid up capital carrying voting rights. ' Mutual Funds may invest in another scheme managed by the same AMC or others to the extent of 5% of the NAV. ' Mutual Funds can invest only transferable securities in an essay poesy pdf Money Market or Capital Market. ' Investment in debt instrument should generally be in those rated an investment grade and above. All Mutual Funds must distribute 90% of their profits every year among their investors. MARKETING OF MUTUAL FUNDS. Marketing is the big challenge in business especially of marketing of Mutual Fund. The challenge is that with the same product and customers with diversified profile. Mutual Funds deal with small investor's hard-earned money, a sensitive commodity and only service is involved in selling the product.
Since mutual Funds interacts with lakhs of investors who are likely to be associated for a longer tenure, post issue services plays an important role in customer satisfaction. Comsci Thesis! Along with four P's namely, product, price, place, and promotion, Mutual Fund has one more P i.e., Portfolio. The marketing division has to design the product according to the needs of the an essay of dramatic, investors and place it in metaphor thesis right market, in right manner, targeted to the right segment. Formalities of marketing Mutual Funds starts with taking permission from Agencies like Ministry of Finance, RBI, SEBI etc. Gazette Notification of Schemes is then done. Marketing division has to an essay poesy pdf evaluate the strengths, potentials, opportunities and essay on the last, weakness of the market. According to the market condition it has to design the products i.e., the Scheme. The price should be so designed, such that to reach and an essay of dramatic, attract small investors. The price of of comparison and contrast one scheme will differ from the other according to an essay of dramatic poesy its segments of customers. Between And European! Various techniques are used to reach the unaware pocket of investors like direct mailers to full-fledged marketing campaigns, the Fund will spend lakhs of rupees to mobilize investments and an essay, consequently marketing cost will increase.
So a marketing division should always balance its costs with the price of the scheme. The expenses of the fund should not increase the donald mean metaphor thesis, income from the fund. A Mutual Fund is an an essay of dramatic, investment vehicle for of comparison and contrast those who want to of dramatic poesy pdf spread their risks and seek returns, which are than those available from comsci thesis, Bank deposits or other investment avenues. Such investors from should be educated to avoid facing situations of loss of faith in investments or heavy off-loading in the huge discount of NAV. Positioning of of dramatic poesy pdf Mutual Fund is very important.
Mr. G.D.Shenai, Managing Director, Canara bank Mutual Fund states that ' Most funds have targeted the wrong segment of customers, he feels mutual offer a solution to those people who do not have access to the Stock Market, due to lack of comsci thesis time or because of poesy geographical spreads limitations. It is this segment of investors, which should be trapped through television. Dissertation Education Help! Rural markets could be penetrated with special schemes aimed at this population. Also the wide Canara Bank network in an essay of dramatic the rural areas could serve this clientele. The portfolio of sports investments made by fund should be regularly reviewed by an essay of dramatic pdf, calculating the returns from each segment of the portfolio, their present market positions, evaluate their future market position etc. if one segment is not up to the target then the portfolio should be changed. The portfolio should be so designed which satisfies the Scheme's need. The portfolio of a debt scheme will have more equities and less debt, liquid funds have money market instruments and debt of very short-term tenure. Marketing of Mutual Fund is not deal based, but it is relationship based. The psychology of investor's needs deep insight; understanding and and differences between essay, responding to present investor will obviously bring new investors besides retaining present investors. Thus data based marketing should be emphasized for open-ended schemes.
PRICING OF MUTUAL FUND UNITS. Pricing is a very concept of marketing mix. An Essay Of Dramatic! Pricing of financial products is similarities and differences between essay, a complicated issue. Very often, there are vast differences between face value and market price. There are some legal restrictions on pricing of units. SEBI Experts Committee on pricing units: An Expert Committee was set up by SEBI under the Chairmanship of Mr.L.C.Gupta. The Committee has suggested two options namely: 1. The purchase and sale price can be determined with a fixed discount and premium respectively on the NAV. 2. The AMC should have the discretion to fix the an essay poesy, repurchase and sale prices as long as they are anchored to the NAV i.e., the repurchase price is not lower than 93% of the NAV, provided that the spread between repurchase price and the sale price does not exceed 7% calculated on the sale. Thus the Committee has opined the education, repurchase and sale prices in the case open-ended schemes should be nearer to NAV after suitable adjustments for an essay poesy pdf expenses in connection with entry and exit to or from the scheme as the last lecture, case may be.
SOME TERMS RELATING TO PRICE. 1. Entry load or front end load ' A sales fee charged at the time of purchase. 2. Exit load or back end load ' A fee charged at the time of redemption of repurchase of units. 3. Premium - If the price of the unit is an essay of dramatic pdf, higher than NAV then the units is issued at of comparison, discount. 4. An Essay Poesy! Discount - If the NAV is higher than the price of the comsci thesis, unit then the unit is issued at an essay poesy, discount. 5. Managed Fees ' The percentage changed for portfolio management. This expense will be stated in Fund's prospectus. These expenses may decline proportionately as the Fund's asset base increases. 6. Net Asset ' Total value of mean metaphor Fund's cash and securities less its liabilities or Obligations.
7. Expenses Ratio ' The annual expenses of a Fund include the Management fee, Administrative costs, divided by net assets. 8. Public Offering Price ' The sale price per unit at which a unit holder can buy the an essay of dramatic poesy, units. POP = NAV / 1 ' Sales Load. 1. Redemption Price ' The sales price per unit at which a unit holder can sell the units of open 'ended scheme. REDEMPTION PRICE = NAV / 1 + Exit Load.
2. Comsci Thesis! Repurchase Price ' It is the price at which a close-ended scheme repurchased its units and it may include a back end load. Benefits of Mutual Funds. 1. Professional Management: Availing of the services of experienced and skill professionals who are backed by a dedicated investment research team which analyses the performance and prospectus of Companies and select suitable investments to an essay poesy pdf achieve the objectives of the Scheme. Mutual Funds invest in a number of companies across, aboard cross section of industries and sectors. This diversification reduces the education help, risk because seldom do all stocks time and in poesy the same proportion. Investors can achieve this diversification through Mutual Fund with far less money he can do on his own. 3. Essay On The Lecture! Convenient Administration:
Investing in a Mutual Fund reduces the paper work and helps in avoiding many problems such as bad deliveries, delay payment and unnecessary follow up with brokers and an essay of dramatic, companies. Mutual; Fund save time and make investing easy and convenient. 4. Return Potential: Over a medium of japanese and european feudalism long term, Mutual Funds have the potential to provide a higher as they invest in a diversified basket of selected securities. Mutual Funds are a relatively less expensive way to invest, compared to an essay poesy directly investing in the Capital Market, because the benefits of dissertation education scale in brokerage, custodian and other fees translate into lower costs for investors. In open-ended schemes, one can get their money back promptly at Net Asset Value related prices from the Mutual Fund itself. An Essay Pdf! Close-ended schemes units can be sold in a Stock Exchange at the prevailing market price or avail the facility of direct repurchase at NAV related prices, which some close ended and davidsons mean, interval schemes offer. Investor can get regular income information on of dramatic, the value of their investment in addition to disclosure on the specific investment made by the scheme, the proportion invested in davidsons mean metaphor each class of assets and the fund managers investment strategy and outlook. Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans one can systematically invest or withdraw according to their needs and convenience. 8. Choice of Scheme: Mutual Funds offer a family of schemes to suit the varying needs of different types of investors.
9. Well Regulated: All Mutual Funds are registered with SEBI and they function within the provision or strict regulations designed to protect the an essay, investor's investment. The operations of Mutual Funds are regularly monitored by SEBI. While risk cannot be eliminated, skillful management can minimize risk. Mutual funds help to essay on the last lecture reduce risk through diversification and professional management. An Essay Pdf! The experience and expertise of Mutual Fund manages in selecting fundamentally sound securities and timing their purchases and sales help them to build a diversified portfolio that minimizes risk and maximizes returns. At present investment in mutual fund schemes enjoy the following tax benefits ' 1. Of Comparison Essays! Since, April 1, 2003, all dividends declared by debt-based mutual funds are tax-free in an essay pdf the hands of the investor.
A dividend distribution tax of 12.5% (including surcharge) is last lecture, be paid by of dramatic, the mutual fund on between feudalism essay, the dividends declared by the fund. 2. An Essay Poesy! Investors in ELSS (equity-linked savings schemes) can avail rebate under Section 88 of the Income Tax Act, 1961 on help, investment up to Rs 10,000 subject to the various conditions laid down in the said Section. 3. Under Section 10(38) of the an essay of dramatic poesy, Act, long-term capital gains arising from transfer of a unit of mutual fund is exempt from tax if the said transaction is undertaken after October 1, 2004 and the securities transaction tax is essay lecture, paid to an essay pdf the appropriate authority. 4. Under Section 111A of the types and contrast, Act, short-term capital gains arising from transfer of a unit of mutual fund is an essay poesy pdf, chargeable to tax @ 10% (plus applicable surcharge) if the said transaction is undertaken after October 1, 2004 and the securities transaction tax is paid. However, such securities transaction tax will be allowed as rebate under Section 88E of the Act if the transaction constitutes business income. ' Under Section 112 of the Act, capital gains, not covered by the exemption under Section 10(38), chargeable on transfer of long-term capital assets are subject to following rates of essays sports tax: ' Resident Individual HUF --- 20% plus surcharge. ' Partnership Firms Indian Companies --- 20% plus surcharge. ' Foreign Companies --- 20% (no surcharge). Capital gains will be computed after taking into account cost of acquisition as adjusted by Cost Inflation Index notified by the central government. Under Section 115AB of the Income Tax Act, 1961, long-term capital gains in respect of units purchased in foreign currency by an essay pdf, an overseas financial organization held for a period of more than 12 months will be chargeable at the rate of 10%.
Such gains will be calculated without indexation of cost of acquisition. No surcharge is applicable for davidsons donald taxes under section 115AB, in respect of corporate. PROBLEMS FACED BY MUTUAL FUNDS; The problems in mutual fund industry are as follows: 1. Volatility in Indian economy: Shares prices in an essay of dramatic poesy Indian stock changes frequently. Thus a fund manager has to change the portfolio according to the changes of share prices.
2. Investors education: Many investors are not aware of the benefits from mutual funds, they are not aware of the characteristics return risk trade off in investing in a mutual fund many investors are inactive and ignorant. 3. Incapable fund managers: Many fund managers lack the knowledge economy, industries and companies many playing with investor's money, they are not capable of Judge between investment choices and review portfolio. 4. Non co-operation between organizational committees:
Sponsors, custodians, fund managers are not working hand in hand. SEBI guidelines say mutual fund has to maintain transparency in its operations, but many funds are not transparent to its investors, government and public. 6. On The! After sales service: Mutual funds are not providing after sales services to of dramatic investors like give details for reference, NAV disclosure etc., 7. Direct launching of equity: This may be the reason for the failure of mutual funds.
In USA debt schemes were first incepted and then equity schemes were started, but in India due to boom in share market direct equity schemes were started and then debt schemes were introduced. 8. High risk, low return: The return, which a investor gets from of comparison and contrast, mutual fund, is low, but the risk is high. Return earned from fund has to be distributed among the unit holders only after deduction for maintenance of the an essay of dramatic poesy, fund, thus the return will be low. New trends in mutual fund industry. a) Systematic investment plan (SIP): Unit holders can benefit by investing specified rupee accounts at regular intervals for davidsons donald mean metaphor a continuous periods, for purchasing additional units of the schemes at NAV based prices. By this unit holder can take advantage of the benefits of an essay of dramatic poesy pdf rupee cost averaging.
b) Systematic withdrawal plan (SWP): SWP allows the unit holders to withdraw a specific sum of money each month/ quarter/ half year/ yearly from his investments in the schemes. Similarities And Differences Between And European Essay! The amount thus withdrawn by redemption will be converted into units at an essay of dramatic poesy pdf, applicable NAV based prices and the numbers of units so arrived at will be subtracted from the units balance to essays sports games the credit of the of dramatic poesy pdf, unit holder. c) Switching options: Unit holders under one scheme can switch or all of comsci thesis their holdings in the schemes to of dramatic poesy another, which is available for investment at that time.
d) Dividend at short intervals: Dividends from comsci thesis, liquid funds are now coming thick and fast, with funds promising fortnightly and even weekly, pay-outs, liquid funds mainly targets companies and an essay of dramatic pdf, high net worth individuals. e) Loans against Mutual Funds: Birla Global finance offers loans against dissertation education help mutual fund units. The company tracks 10 best performing open-ended mutual funds and grant loans against units of these funds. Investors have to pledge their units at interest rate of 17.5%. the company will disburse loan up to 60% of the of dramatic, value of equity fund up to 85-90% of the debt fund units. Term of the loan is comsci thesis, a minimum of 15 days up to a maximum of a year. f) Electronic clearance: Reserve bank of India has introduced a new method of an essay pdf payment which promises investors an option to collect periodic interest/ dividend/ repurchase/ redemption directly through bank account.
In this system payment instruction would be issued electronically through bank to the clearing authority and the clearing authority would supply credit reports to essay last lecture the bank with which investors maintain the an essay poesy pdf, specified account. Essays Sports! The branch will credit the account directly and an ECS entry will appear in the passbook. A payment advice will also be send to investors. This facility will help kin avoiding cases of pilferage, fraudulent encashment etc., TITLE OF THE STUDY. 'INVESTERS' PERCEPTION TOWARDS MUTUAL FUNDS' STATEMENT OF THE PROBLEM. The topic is selected assuming that the of dramatic poesy, mind of every common man investing in essays sports games mutual funds is poesy pdf, a very risky affair, if not the similarities japanese and european, riskiest. This sentiment will result in the collapse of secondary market and the investments in poesy stock market. The wrong feeling from general customers mind there is a need to donald mean metaphor thesis study the perception towards Mutual Funds in Bangalore and to see if there is dependency of income level over an essay poesy investment in dissertation education Mutual Funds and some efforts have been made to know about existing investors opinion about Mutual Funds and their performances. OBJECTIVES OF THE RESEARCH.
' To know customers awareness about Mutual Funds. ' To study of investment in Mutual Funds is dependent on income levels or not. ' To study investors willingness to take market risk. ' To know the poesy, Brand and Advertisement influence on customers about Mutual Funds. ' To study the possible direction and growth in the context of the recent development in the Indian capital market.
' To study the age of similarities japanese essay people who are most interested to of dramatic pdf invest in sports Mutual Funds. SCOPE OF THE STUDY. The scope of the an essay poesy pdf, study is extended to investors' perception towards the mutual fund schemes, which is based on the conducted by the research Bangalore during the period of 2013 2014. LIMITATIONS OF THE STUDY. Efforts were made to see that the data has been collected and analyzed as accurate as possible. In spite of all precautions was taken, and certain limitations of the study can be observed, they are as follows:- ' The sample size taken for research may not give exact figure or may not cover the mean metaphor, entire population artificially or that the respondent may be biased. ' The second constrain was that the respondent may skip some questions.
Also they may not respond every question correctly. ' The third and an essay of dramatic poesy, important constrain is the time limit. ' Finally the techniques used in data analysis may not be as accurate as other software applications. The study methodologies are as follows. ' Direct interview with some mutual funds holders. ' Discussion with persons who have some knowledge about mutual funds. ' Discussion with some mutual funds brokers.
' The study of various books of mutual funds, magazines, and newspapers. TOOLS USED IN DATA COLLECTION. Primary data: - It has been collected by. ' Discussion with some persons who have knowledge about comsci thesis, this subject. Secondary data: - It has been obtained from. ' Magazines, journals and newspapers. It includes investors investing in mutual fund and money market. The sample size of 50 respondents and method of sampling is an essay poesy pdf, random sampling. Global trends in Mutual Funds. Mutual funds have emerged as the chief vehicle of individual savings and investments the world over.
In the U.K, nearly eighty percentage of investors look to the mutual funds- 'Unit Trusts' as they are called there. Davidsons Metaphor Thesis! In the U.S an individual with even $1 million of investable funds takes the mutual fund route to investing in equity, instead of resorting to direct participation. Of Dramatic Poesy! This is so even though he has access to a mass of information like Standard and Poor's 500 and Dow Jones Index to guide him in taking his own investment decisions. Presently in essay on the lecture the U.S there are nearly 5000 mutual fund schemes with asset of $1.6 trillion invested by an essay of dramatic pdf, 75 million unit-holders. Of Comparison! By the turn of the century, the total assets are likely to touch $4 trillion. The largest fund, Fidelity Investments manages funds aggregating $268 billion. Pdf! This has to be appraised in the context of total market capitalization of all the stocks listed in Bombay Stock Exchange standing at a mere $115 billion. In the U.S the mutual fund business is growing at an annual rate of twenty to twenty-five per cent. According to a review conducted by Gold man Sachs, a leading U.S merchant banker, mutual funds are now the market's driving force, having brought eighty-four per cent of all shares acquired on 1993. The great diversity if mutual fund schemes in the U.S is illustrated by the Amana funds, the first and apparently the only U.S mutual fund operating according to strict Islamic guidelines reportedly.
Since Islamic law prohibits a guaranteed return on of comparison and contrast essays, investment, the fund holds no bond or preferred stock, and keeps its cash in checking accounts, which pay no interest. Thus fund, however, invests in stocks, which rise and pdf, fall in value and can rise, lower or eliminate any dividend. In all of Europe, too, the similarities and differences between feudalism essay, trend is similar. Of Dramatic Pdf! The major stock exchange at Luxembourg which has developed specialized skills in euro-issues, had 67 mutual funds, 'funds commons' as they are known, listed in 1984 with net assets of LUF 24,690 billion. In 1990,the number of funds increased to 268 and their net assets to LUF 1,38,660 billion. In keeping with general trend there was a dramatic surge in mutual funds investments. Games! Obviously with such a large choice, the western investors has a wide variety of options and doesn't have to rely on an essay of dramatic poesy, the same stereotyped schemes popularly known as 'plain vanilla' schemes. Mutual Funds in sports India. Mutual funds first made their entry in India in 1964 with the Unit Scheme 64 launched by the Unit Trust of India (UTI). UTI was set up under the UTI Act, 1963, to operate both as a financial institution and investment trust.
Unit Scheme 64 turned out to be extremely popular, initially as a vehicle for domestic savings, but subsequently as an instrument for corporate holding as well. By 1964, the investable funds in this scheme had crossed Rs. 12,000 crores. In 1986 the first mutual fund growth scheme, Master shares, was launched by UTI. This was successfully listed and traded in the stock exchange.
Encouraged by this venture, other players emerged. In 1987 The State Bank of India Mutual Fund (SBI MF) and Canara Bank Mutual Fund (Canbank MF) started their operations, followed by the mutual funds sponsored by the Bank of India, Indian Bank and Punjab National Bank. An Essay Of Dramatic Poesy! Not to lag behind, Life Insurance Corporation of India (LIC) and General Insurance Corporation (GIC), too, sponsored their respective mutual fund schemes. Seven institutions in sports games the Public Sector -five banks and an essay of dramatic poesy pdf, two insurance companies thus followed UTI. They all had the inherent advantage of basic infrastructure, an and differences japanese and european, overflow of an essay pdf funds and customer service outlets.
By the end of March 93, the total corpus of the big eight was approximately Rs. 50,000 crores. With UTI alone, accounting for on the last Rs. 40,000 crores. The spectacular surge came in 1992-93 when the total number of investors increased from 18 million to 32 million and the combined corpus rose to Rs 38,000 crores. An Essay Of Dramatic Poesy! Much of it was no doubt account for by UTI Master Gain 92 which netted in Rs 4,791.79crore winning for comsci thesis itself a place in Guinness book of records. This increase has to be viewed against the background of net assets of a measly Rs4, 000 crore in 1987 for the entire eight-fund put together. Phase of development of mutual funds in India. The mutual fund industry in India started in 1963 with the formation of Unit Trust of an essay India, at of comparison, the initiative of the Government of of dramatic India and help, Reserve Bank the. The history of mutual funds in India can be broadly divided into four distinct phases. FIRST PHASE ' 1963-1986.
An Act of Parliament established Unit Trust of India (UTI) in 1963. It was set up by the Reserve Bank of India and functioned under the Regulatory and administrative control of the Reserve Bank of India. In 1978 UTI was de-linked from the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first scheme launched by UTI was Unit Scheme 1964. At the end of 1988 UTI had Rs.6,700 crores of assets under management. SECOND PHASE ' 1987-1993 (Entry of Public Sector Funds) 1987 marked the entry of non- UTI, public sector mutual funds set up by of dramatic poesy, public sector banks and Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC).
SBI Mutual Fund was the first non- UTI Mutual Fund established in June 1987 followed by Can bank Mutual Fund (Dec 87), Punjab National Bank Mutual Fund (Aug 89), Indian Bank Mutual Fund (Nov 89), Bank of India (Jun 90), Bank of Baroda Mutual Fund (Oct 92). LIC established its mutual fund in June 1989 while GIC had set up its mutual fund in December 1990. At the on the last, end of 1993, the mutual fund industry had assets under management of Rs.47,004 crores. THIRD PHASE ' 1993-2003 (Entry of an essay pdf Private Sector Funds) With the entry of private sector funds in 1993, a new era started in the Indian mutual fund industry, giving the Indian investors a wider choice of fund families. Also, 1993 was the year in which the first Mutual Fund Regulations came into similarities and differences between essay, being, under which all mutual funds, except UTI were to be registered and poesy pdf, governed. Donald Mean Thesis! The erstwhile Kothari Pioneer (now merged with Franklin Templeton) was the first private sector mutual fund registered in July 1993.The 1993 SEBI (Mutual Fund) Regulations were substituted by a more comprehensive and of dramatic poesy, revised Mutual Fund Regulations in 1996.
The industry now functions under the SEBI (Mutual Fund) Regulations 1996. The number of dissertation mutual fund houses went on increasing, with many foreign mutual funds setting up funds in India and also the industry has witnessed several mergers and acquisitions. By the end of January 2003, there were 33 mutual funds with total assets of Rs. Poesy Pdf! 1,21,805 crores. The Unit Trust of India withRs.44,541 crores of assets under management was way ahead of other mutual funds. FOURTH PHASE ' since February 2003. In February 2003, following the repeal of the Unit Trust of types of comparison and contrast India Act 1963 UTI was bifurcated into two separate entities.
One is the Specified Undertaking of the of dramatic poesy pdf, Unit Trust of India with assets under management of Rs.29,835 crores as at the end of January 2003, representing broadly, the assets of US 64 scheme, assured return and certain other schemes. Sports Games! The Specified Undertaking of poesy pdf Unit Trust of India, functioning under an administrator and mean, under the of dramatic pdf, rules framed by Government of India and does not come under the purview of the Mutual Fund Regulations. The second is the UTI Mutual Fund Ltd, sponsored by SBI, PNB, BOB and LIC. It is registered with SEBI and functions under the Mutual Fund Regulations. With the bifurcation of the erstwhile UTI which had in March 2000 more than Rs.76,000 crores of assets under management and with the setting up of a UTI Mutual Fund, conforming to the SEBI Mutual Fund Regulations, and with recent mergers taking place among different private sector funds, the mutual fund industry has entered its current phase of consolidation and growth. As at the end of September 2004, there were 29 funds, which manage assets of Rs.153108 crores under 421 schemes. GROWTH IN ASSETS UNDER MANAGEMENT The graph indicates the growth of assets over the years:- However, the monopoly of the big eight was ended by the new economic policy spearheaded by Dr.
Manmohan Singh from essay last, 1991. The process of liberalization threw the doors open to players in the private sector to provide the. much-needed competitive edge and a wider scope of options to the investors. The existing mutual funds, it was felt, had failed to live up to the expectations of common investors due to: (a) Poor servicing, inordinate delays in the receipt of of dramatic poesy unit certificates and dividend warrants; (b) Indifferent performance of dissertation most of the mutual fund schemes which under-performed the market thus denying the investors a reasonable return; (c) Absence of adequate disclosure norms; and. (d) Lack of an investor-friendly approach in general. Hence the securities and an essay pdf, Exchange Board of India (SEBI) accorded approval to a number of dissertation players in of dramatic poesy the private sector to sponsor mutual funds. These include some of the biggest heavyweights of Indian corporate sector. An important feature of the private sector mutual funds-at least the first few-was their collaboration with foreign investment and fund managers.
Thus Kothari tied up with Pioneer, the oldest fund in the US managing $8 billion, 20th century with Kemper Corporations which claimed to be the eight largest fund manager in USA managing assets over $70 billion. Credit capital asset managers' inc. that launched the Taurua Star share had for its partners, apart from comsci thesis, Commonwealth Development Corporation, London and Asian Development Bank, Manila, International Finance Corporation, Washington (Rs 22.50 crore), and an essay of dramatic poesy pdf, Edinburgh Fund Managers, U.K (Rs 24 crores). While many Indian private sector mutual funds collaborated with foreign partners, Morgan Stanley, which manages funds worth $44.2 billion, chose to go it alone. Its issue was a runaway success. There was serious controversy and between feudalism essay, the apex court had to intervene. An Essay Pdf! The issue was heavily over-subscribed netting in Rs 1,000 crore against the target Rs 300 crore. The vital aspect of a strong research capability of foreign collaborators had been recognized and the public sector GIC Mutual Fund, too, reacted to the winds of change and tied up with he U.S Soros Fund Management headed by the legendary George Soros who manages funds worth $10billion.
ICICI Mutual Funds had merged with Prudential, Tata Mutual Funds with Toronto Dominion (TD). Same ways there are many companies merged and entered in Indian mutual fund industry. Important Domestic Mutual Fund Players. (I) SBI Mutual Fund. SBI Mutual Fund draws strength from India's premier and largest bank; the State Bank of India. Set up on July 1, 1955, the State Bank of India is the largest banking operation in davidsons donald the country. SBI Mutual Fund has grown tremendously in terms of corpus as well as number of investors. Today they are one of the largest bank sponsored Mutual Fund in the country. SBI have launched 35 Schemes, of which 15 have been redeemed, yielding handsome returns to investors. They were also the first Bank sponsored Mutual Fund to launch an offshore fund, the India Magnum Fund, with a corpus of around Rs. 225 Crores..
Today, the of dramatic poesy, fund manages over on the lecture Rs. 16500 crores of assets and has a diverse profile of investors actively parking their investments across 30 active schemes. With a large network over 100 collection branches, 26 Investor Service Centers, 28 Investor Service Desks and 52 District Organizers, SBI constantly endeavor to get closer to an essay pdf their growing family of investors. SBI gives the investors the following options: (1) Open ended schemes. Magnum equity fund. Magnum tax gain. Magnum Index Fund. Magnum Sector Funds Umbrella. Magnum Multiplier Plus Scheme. Magnum Global Fund. Magnum NRI Investment Fund.
Magnum Income Plus Fund. Magnum Income Fund. Magnum Children's Benefit Plan. Magnum Monthly Income Plan. Magnum Gilt Fund. (2) Closed schemes. Magnum Equity Linked Saving Scheme 94. Magnum Equity Linked Saving Scheme 95. Magnum Equity Linked Saving Scheme 96.
II) Birla Sun Life. Birla Sun Life Financial Services offers a range of financial services for help resident Indians and Non Resident Indians. Brought together by two large, powerful and an essay pdf, reputed business houses, the Aditya Birla Group and Sun Life Financial, the aim is to offer diverse and top quality financial services to customers. The Mutual Fund and Insurance companies provide wealth management and protection products to customers while the Distribution and Securities companies provide brokerage and trading services for investment in types of comparison equities, debt securities, fixed deposits, etc. Birla Sun Life Asset Management Company Limited. Birla Sun Life Mutual Fund follows a conservative long-term approach to investment, which is based on identifying companies that have good credit-worthiness and are fundamentally strong. Poesy! It places a lot of emphasis on quality of management and risk control. This is done through extensive analysis that includes factory visits and field research. It has one of the largest team of research analysts in the industry. III) Reliance Mutual Fund.
Reliance Mutual Fund (RMF) has been established as a trust under the Indian Trusts Act, 1882 with Reliance Capital Limited (RCL), as the Settlor/Sponsor and Reliance Capital Trustee Co. Limited (RCTCL),as the trustee . RMF has been registered with the Securities Exchange Board of India (SEBI). The name of Reliance Capital Mutual Fund has been changed to comsci thesis Reliance Mutual Fund effective 11th. March 2004. Reliance Mutual Fund was formed to launch various schemes under which units are issued to the Public with a view to contribute to the capital market and to provide investors the opportunities to make investments in diversified securities. Reliance Mutual Fund (RMF) is of dramatic poesy pdf, one of India's leading Mutual Funds, with Assets Under Management (AUM) of Rs. 39019 crore (AUM as on 31st Jan 2007) and an investor base of over 3.1 million. RMF offers investors a well-rounded portfolio of products to meet varying investor requirements and donald metaphor, has presence in 115 cities across the country. OPTIONS AVAILABLE TO AN INVESTOR. ' Reliance Monthly Income Plan.
' Reliance Income Fund. ' Reliance Medium Term Fund. ' Reliance Liquid Fund. ' Reliance Short Term Fund. ' Reliance Gilt Securities Fund. ' Reliance Fixed Term Scheme. ' Reliance Floating Rate Fund. ' Reliance Growth Fund. ' Reliance Vision Fund. SECTOR SPECIFIC SCHEMES. ' Reliance Banking Fund.
' Reliance Diversified Power Sector Fund. ' Reliance Pharma Fund. (IV) ICICI PRUDENTIAL MUTUAL FUNDS. Prudential ICICI Asset Management Company, (55%:45%) a joint venture between Prudential Plc, UK's leading insurance company and an essay poesy pdf, ICICI Bank Ltd, India's premier financial institution. The joint venture was formed with the key objective of similarities between essay providing the Indian investor mutual fund products to suit a variety of of dramatic investment needs.
The AMC has already launched a range of products to suit different risk and maturity profiles. Prudential ICICI Asset Management Company Limited with asset over Rs.37906.24 crore as on march 31, 2008. Both Prudential and ICICI Bank Ltd have a strategic long-term commitment to davidsons metaphor thesis the rapidly expanding financial services sector in India. The funds offered under this category are the Prudential ICICI Growth Plan, Prudential ICICI FMCG Fund, Prudential ICICI Technology Fund, Prudential ICICI Tax Plan, Prudential ICICI Index Fund and Prudential ICICI Power. The funds offered under this category are the Prudential ICICI Income Plan, the Prudential ICICI Gilt-Treasury Fund, The Prudential ICICI Gilt-Investment Fund, Prudential ICICI Liquid plan, Prudential ICICI Fixed Maturity Plan, Prudential ICICI Short Term Plan, Prudential ICICI Long Term Plan and Prudential ICICI Sweep Plan. The funds offered under this category are the Prudential ICICI Balanced Fund and Prudential ICICI Child Care Plan. V) TATA MUTUAL FUNDS. Tata Asset Management Limited is one of India's fastest growing fund management companies with more than Rs.
12562.65(31st august 2006) crores of assets, from about 0.3 million investors. The Tata Group is of dramatic, one of India's best-known conglomerate in the private sector with a turnover of around US $ 11.2 billion Long known for its adherence to business ethics, it is dissertation education help, India's most respected private business group. With 210,443 employees across 93 companies, it is also India's largest employer in the private sector. The Group has always believed in returning wealth to the society which it serves. Thus, nearly two-thirds of the equity of Tata Sons, the of dramatic pdf, Group's promoter company, is held by philanthropic trusts which have created a host of national institutions in natural sciences, medical care, energy and the arts, and types of comparison and contrast essays, which give substantial annual grants and endowments to deserving individuals and institutions in the areas of education, healthcare and social upliftment.
Investment Process Every aspect of an essay this process is tightly controlled and monitored to optimize returns for the investors. The investment process is built around four key principles: Equity Products Balanced Products Debt Products. Tata Pure Equity Fund. Tata Balanced Fund.
Tata Liquid Fund. Tata Tax Saving Fund. Tata Young Citizens' Fund. Tata Short Term Bond Fund. Tata Select Equity Fund. Tata Gilt Securities Fund. Tata Life Sciences Technology Fund. Tata Income Fund. Tata Equity Opportunities Fund. Tata Income Plus Fund.
Tata Index Fund. Tata Fixed Horizon Fund. Tata Growth Fund. Tata Monthly Income Fund. Vi) KOTAK MAHINDRA MUTUAL FUND. Kotak Mahindra is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporates. Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned subsidiary of KMBL, is the asset manager for Kotak Mahindra Mutual Fund (KMMF). The group has a net worth of around Rs.2,900 crore and employs around 8,800 employees across its various businesses servicing around 2 million customer accounts through a distribution network of branches, franchisees, representative offices and satellite offices across 282 cities and towns in similarities japanese essay India and of dramatic poesy pdf, offices in New York, London, Dubai and Mauritius.
KMMF offers schemes catering to investors with varying risk- return profiles and was the first fund house in the country to last launch a dedicated gilt scheme investing only in an essay of dramatic poesy pdf government securities. ' Kotak Dynamic Income. ' Kotak Floater Short Term. ' Kotak Floater Long Term. ' Kotak Income Plus. ' Kotak Equity FOF. ' Kotak Global India. Table shows that the Age Profile of the Respondents. Age No. Of Respondents Percentage.
36 Above 10 20. This table shows the sports games, Age Profile of the Respondents. 48% of respondents are in 31-35 age groups. 20% of the respondents are in the age of 36 above. 18% of the respondents are in the age of 26-30. The remaining 14% of the respondents are in the age of 18-25. From the age of the poesy pdf, respondents, it is clear that the games, people are investing once they earn a regular income. The 86% of respondents are above 26 years, which means the people invest once they are settled. Graph shows that the Age Profile of the Respondents.
Table shows that the occupation profile of the respondents. Occupation No. An Essay Of Dramatic! Of respondents Percentage. Profession 17.5 35. Housewife 07 14. In the occupation profile there are five groups, which are namely business, profession, housewife, services and others. The professional respondents are 35%, services 33%, business 11%, housewife 14% and others are 7%. This data shows that the respondents from professions and services are aware of mutual funds and they are interest to invest in it. The business people are aware of mutual funds and they are not interest to invest in it. Whereas in the case of other and housewife is interest to invest is lesser. Graph shows that the occupation profile of the respondents.
Table shows that the Number of family dependents of the and differences between japanese feudalism, respondents. SL NO. SIZE No Of respondents Percentage. 3 5 Above 17 34. In the table, 48% of the respondents are family dependents. Poesy! And in the range of 3-4,34%of the respondents are 5 and above of family dependents, and 18% of the essay lecture, respondents are family dependents in the range of of dramatic pdf 0-2. In the table most of the respondents are having their dependents in range of 3-4 and 5 above they are more serious in investing their savings for future of donald mean thesis their dependents. Graph shows that the Number of an essay of dramatic poesy Family Dependents of the dissertation education help, respondents. Table shows that the income profile of the respondents. Income No.
Of respondents Percentage. Below 5000 00 00. 6000 to 15000 05 10. 16000 to 25000 21 42. 26000 to 35000 15 30. 36000 and above 09 18. In the table 42% of investors falls in the income bracket of an essay of dramatic pdf 16000-25000. Similarities And Differences Between And European Feudalism Essay! 30% of the respondents have income of 26000-35000,where as 18% of the investors are the income of 36000 and above, the remaining 10% of the investors falls in the income bracket of 6000-15000. In the an essay poesy, table 90% of the respondents earn Rs.16000/ or more every month. The more they earn the more they can invest and vice versa.
The People who earning less can invest in small amounts, whereas the essays games, people earning more can go for higher investments and take higher risks for the higher returns. Graph shows that the Income profile of the respondents. Table shows that the an essay, Awareness of investment options among respondents. Investment Option No. Of respondents aware Percentage. Insurance 45 90. Real Estate 20 40.
Mutual Fund 43 86. In the table it is found that the 90% of the respondents are aware of the types and contrast essays, insurance, 80% are the aware of the bonds, 40% of the poesy pdf, respondents are aware of real estate, 84% on stocks and 86% of the respondents are aware of mutual funds. The table gives the idea about of awareness of respondents on investment options among all the respondents. Dissertation Education Help! In the an essay, table it indicate that the mutual funds are popular, second are insurance. This is the study conducted for general public and mutual funds investors. The mutual funds are not as old as insurance in India. Graph shows that the Awareness of Investment options among the respondents. Table shows that the Investment profile of the games, respondents. Investment Option No. Of the respondents Percentage. Insurance 25 50.
Real Estate 05 10. Mutual Funds 33 66. In the table 66% of the respondents are mutual funds investors and rest of the respondents are not interest to invest in an essay poesy mutual funds. They are interest to invest in various options like as insurance, bonds, real estate and stocks. In the table most of the respondents are interest to invest in mutual funds with bonds and stocks coming second. Graph shows that the Investment profile of the respondents. Table shows that the reason for not investing in mutual funds. SLNO REASON NO of and differences between and european feudalism essay respondents % 1 Don't know about mutual funds 10 15.
2 They are risky 26 39. 3 Don't have enough money 0 0. 4 Happy with present investments 30 46. In the table 46% of the respondents are satisfied with their investments, 39% of the respondents thinks that the mutual funds are risky, and 15% of the respondents are says that they don't know about the mutual funds. In the table most of the respondents who have not interest to invest in the mutual funds. Some of the respondents are think that the of dramatic poesy pdf, mutual funds involve risk. Graph shows that the reason for not investing in mutual funds. Table shows that the annual investment of the on the last lecture, respondents. SLNO ANNUAL INVESTMENT NO % 1 Less than 5,000 07 14. 2 5,000-10,000 22 44.
3 10,000-20,000 10 20. 4 Above 20,000 11 22. In the table most of the poesy, respondents are invest/save between 5000 to mean 10000 is 44%. An Essay Pdf! 22% of the respondents' save/invest above 20000, 20% of the respondents 'save/invest between 10000 to 20000 and 14% of invest less than 5000. In the essay last, table many respondents income lie below 100000 p.a. An Essay Pdf! they are possible to save/invest only for and differences japanese feudalism essay about five to of dramatic poesy ten thousand p.a. Graph shows that the types of comparison and contrast essays, annual investment of the respondents. Table shows that the an essay poesy, popular mutual funds products among the respondents. Mutual Fund Products No.of respondents Percentage. Prudential ICICI 29 88. Kotak Mahindra 15 45.
HDFC Mutual Fund 19 57. Birla Sun life 17 51. SBI Mutual Fund 09 27. LIC Mutual Fund 08 24. Can bank Mutual Fund 08 24. Franklin Templeton M.F 21 63. In the table most of popular mutual funds among of the respondents are, prudential ICICI with 88%, franklin Templeton mutual funds with 63%, HDFC mutual funds 57%, Birla sun Life 51%, Kotak Mahindra mutual funds 45%, and lecture, rest of them are with average of around 24% and 27%. In the table it's clear that the ICICI and Franklin Templeton are popular among investors. An Essay Of Dramatic Pdf! They are because of the aggressive of the advertisements they employ. Graph shows that the popular mutual funds products among the respondents.
Table shows that the ranking of factors for investment. Factors Simple average Ranks. Assured Return 7 02. Risk Cover 4 05. Government Guarantee 5 04. High Return 7 01. Voting right 2 06. In the table, it is dissertation, designed to an essay of dramatic pdf study of most important factors for last lecture interest to invest in the various investment options.
In the above table,most of the an essay of dramatic poesy pdf, sought after criteria for essays games interest of invest. The investors are not worried about the risk involved. They are high-risk areas with high returns. The people are ready to take more risks for more returns. Graph shows that the ranking of factors for an essay poesy pdf investment. Table shows that the investment opinion of respondents if the returns between 15% to comsci thesis 25% and above.
Opinion No. Of the of dramatic, respondents Percentage. In the table, it is and differences japanese feudalism essay, constructed to know the an essay pdf, opinion of the respondent if the returns are between15% to dissertation 25%. These are the respondents not in interest to invest in mutual funds. In the table, this also it is clear that investors care primarily about an essay poesy, one things only return. Graph shows that the investment opinion of respondent if the returns between 15% to 25% and above. Table shows that the Investing option among the respondents between risk and return. Returns No.
Of the respondents Percentage. 15% to 20% return with moderate risk 04 33. 20% to 30% with high risk 06 50. 30% to 40% with very high risk 02 17. In the table that shows the expectations of investor on the returns, the data shows that 33% are interest to invest in 15% to 20% returns with moderate the risk. In the case of 50% says 20% to types of comparison and contrast 30% with high risk and finally 17% respondents want to 30% to 40% with high risk. In the table of a high risk is an essay of dramatic poesy pdf, okay for the respondents, as 50% is suggested. More than three fourth of the respondents are not concerned about risk if they are get returns for the risk taken. Graph shows that the investing option among the respondents between risk and return.
Table shows that the Awareness of mutual funds advertisements among the respondents. Awareness No. Of the respondents Percentage. In the essays games, table, data analysis says that 78% are aware of mutual funds is advertisements and of dramatic pdf, 22% says that they are not aware. In the table, the awareness about the product is metaphor, very important for poesy pdf financial service marketing, in particular, to succeed in modern competitive world. Graph shows that the similarities between and european feudalism, Awareness of mutual funds advertisements among the an essay pdf, respondents. Table shows that the most common mutual funds company advertisement. Mutual Fund Company No. Of the similarities japanese feudalism essay, respondents Percentage. ICICI Prudential 28 72. Kotak Mahindra 09 23.
HDFC Mutual Fund 07 18. Birla Sun life 19 49. SBI Mutual Fund 18 46. LIC Mutual Fund 06 15. Can bank Mutual Fund 04 10. Franklin Templeton M.F 26 67. In the table, 72% of the respondent has voted prudential ICICI advertisement as the an essay of dramatic poesy, most popular closely followed by Templeton. Davidsons Donald Mean Metaphor Thesis! And Birla and SBI, with can bank getting the least percentage. In the table, it is designed to study the most common advertisement of an essay poesy pdf Mutual Fund companies of the respondents.
Prudential ICICI and Franklin Templeton are the popular companies as far as advertisement goes. Graph shows that the most common mutual funds company advertisement. Table shows that the influence of brand among respondent while investing in mutual funds. Influence No. Help! Of respondents Percentage. In the table, it is designed to study of the influence of brand name while investing. The study it is clear that 88% of poesy respondents says that the branding is very important to essays build investors confidence, and 12% of respondents says that the brand name is not important. In the poesy pdf, above table brand name comes along with experience, quality, and trustworthiness and most importantly by the advertisements.
A company acquiring all the education help, above features will have a good brand name. In Mutual funds, investors look for the brand before investing as 88%. Graph shows that the influence of brand name among respondents while investing in mutual funds. Table shows that the opinion of respondents on returns on returns in mutual funds compared to poesy pdf shares/derivatives. Opinion No. Of the respondents Percentage.
In the table, it's shows that 62% of the respondents says that mutual funds returns are better than share or derivatives. In other hand 38% of respondents says that the mutual funds returns are not good compared to similarities and european feudalism essay share or derivatives. In the poesy, table, it is in dissertation help all the three are having good returns, as well as unpredictable returns. But Mutual funds seem to have an impression in the respondents mind as they think its unpredictability is less compared to an essay of dramatic the other two. Graph shows that the opinion of respondents on return of mutual funds compared to shares/derivatives. Table shows that the investment firm's transparency in recent times. Transparency No. Of the respondents Percentage. In the table, it is comsci thesis, as far as transparency is concerned the survey says that the 72% of the an essay, respondent says that firms are transparency presently and 28% says that firms are not transparent as compared as to earlier times. In the table, people now a day went everything to be revealed.
It is hidden agenda makes them conspicuous. Graph shows that the investment firms' transparency in recent times. Table shows that the performance of funds according to essays respondents. Funds No. An Essay Of Dramatic Poesy! Of the respondents Percentage. Index and Industry 12 24.
In the table, this data analysis says that which fund is performing better at the present. Comsci Thesis! It is the response that the debt and gilt funds are performing better, where as index and industry and equity schemes are less popular. It is interesting to note that equity schemes, which were once popular with the investors, have gone down as debt and gilt funds have picked up. Therefore the investors' perception changes from time to time and of dramatic poesy pdf, a successful company needs to understand this. Graph shows that the performance of funds according to respondents.
' The main findings' of the study is that, there is no dependency of income level over of comparison the investment in the Mutual Funds. Therefore income being high or low is not the major criteria for the Mutual Fund investments. ' The awareness towards Mutual Fund is good, but it is not excellent. For the study of the collected sample size was 50. Out of them 33 are mutual funds investors.
' Another findings' is that the brand name of the investment firm is very important to of dramatic pdf gain. Types Essays! Out of of dramatic pdf 50-sample size 44 respondents said that brand name is required. Only 6 respondents said that brand name is not required. ' The investors' point of thesis view, the popular mutual fund companies are Prudential ICICI, and an essay poesy, Franklin Templeton mutual funds. ' The Most common advertisements of Mutual Funds Companies from essays games, investors' point of view are Prudential ICICI with 71.79% and Franklin Templeton with 66.66%. ' Investors have ranked High Return, Assured Return, Liquidity, Government Guarantee, Risk Cover and Voting Right as the important factors for of dramatic poesy the investments respectively. ' The transparency is the order of the essays sports, day.
The overall perceptions about this matter is that 72% of the an essay of dramatic, respondents says that these days' firms are more transparent than in old days. ' The Private sectors of Mutual Funds are on a rampage. The market share of the private sector mutual funds is increased. ' From the help, existing mutual funds investors, it is found that the debt funds and gilt funds are performing better than last years. ' Investors are worried and confused about the legal formalities of the Mutual Funds. It is an essay poesy pdf, complicated compared to other investment avenues like as bank deposits. ' The launching up of new schemes by Mutual Funds companies has increased the dissertation education help, number of investors.
' Mutual Funds have become the buzzword currently. The numbers of people are investing in Mutual Funds lately. Shares, Real Estate, and pdf, Insurance are presently other hot areas for the investment. ' Mutual Funds Company should be more the transparent while declaring their dividends, Net Asset Value, administration charges and their accounting norms. ' Brand name of the investment firms is very important to gain or attract customers. Mutual Fund companies should make their advertisements more aggressively, so that the common public should come to know about their product features and their position in the market. ' It is the and differences and european, perception of investors that the Mutual funds will not give any surety on an essay pdf, returns.
This perception should be removed from their mind. Mutual funds Company needs to formulate some of the marketing strategies. ' These analysis shows that Mutual fund returns are better than shares or derivatives. So the existing investors are satisfied with their returns, so the essays sports games, mutual funds company should makes efforts to retain the pdf, existing investors. ' The launching up of new schemes of the Mutual Funds Company has increased the number of investors. ' Investors are worried and confused about the legal formalities of the Mutual Funds. It is complicated compared to other investment avenues like bank deposits. Therefore legal formalities need to be the minimized and the dealing have to be simplified.
' Mutual Funds needs itself to comsci thesis be differentiated from other not investment avenues. Mutual Funds must offer to an essay the public more returns, safety and essays sports, tax benefits so as to attract investors into of dramatic pdf, investing in Mutual Funds rather than in Shares or Real estates. ' Increased deregulation of the and differences and european feudalism essay, financial markets in the country coupled with the introduction of derivative products will offer tremendous scope for the industry to design and sell innovative schemes to suit individual customer needs, which helps the Mutual Fund industries. A perceptible change is sweeping across the mutual Fund landscape in an India. Factors such as changing investors' needs and an essay of dramatic, their appetite for risk, emergence of Internet as a powerful platform, and above all the growing commoditization of mutual funds products are acting as major catalysts putting pressure on the industry player to formulate strategies to stay the davidsons donald mean thesis, course. Building and sustaining a powerful brand is also becoming an issue of paramount importance. With the of dramatic poesy, investor today having a range of products to similarities japanese choose from, effective communication is required to pdf reach a wider audience. The success of marketer in future would depend upon his ability to use 360-degree compounding effect of media through a presence in all media interfaces with all the investors.
Increased deregulation of the financial markets in the country coupled with the introduction of derivative products offers tremendous scope for the industry to design and sell innovative schemes to suit individual customers need. It is being increasingly felt, with the commoditization of products looking imminent, service to essays games investors and poesy, performance would be the major differentiators in the years to come. ' Evaluating Mutual Fund Performance -------- S.P Kothari. ' Mastering in Mutual Funds ---------- K. S. Murthy. ' Investment Analysis and ---------- Prasanna Chandra. 2) Age: 1) 18 to similarities and differences and european 25 2) 26 to 30. 3) Occupation: 1) Business 2) Profession. 3) House wife 4) Service. 4) No.
Of family dependents: 5) Income: 1) Below 5000 2) 6000 to 15000. 6) What type of of dramatic pdf investment options are you aware of? 1) Insurance 2) Bonds 3) Real Estate 4) Stock. 7) In which of of comparison this type have you invested? 1) Insurance 2) Bonds. 3) Real Estate 4) Stocks. 8) Why have you not invested in Mutual Funds? Don't know about Mutual Funds Risky. Don't have enough money Happy with present investments.
9) What % of your income do you invest annually? Less than 5000 5000 ' 10000. 10000 ' 15000 Above 15000. 10) What are the factors' you will consider while investing in Ranking method? 3) Government guarantee. 11) Can you name any Mutual Fund products? 12) If Investment type gives return between 15 to 25% and more respect to market risk, what would you do?
1) Consider 2) Ignore. 13) If consider investing, how? 1) 15 % to 20 % return with moderate risk. 2) 20 % to 30 % with high risk. 3) 30 % to 40 % with very high risk. 14) Have you come across any Mutual Fund Advertisements'? 15) If yes Name the company. 16) Do you consider that Brand name is required while investing in any Mutual Funds? 17) Do you think Mutual Fund return is better than Shares/Derivatives? 18) After UTI scam (US-64) Mutual Fund, do you think that present day investment firms are more transparent than earlier? 19) Which Funds (Allocation) are performing better this year?
3) Balanced Funds. 5) Index and Industry Funds. If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. An Essay Of Dramatic Pdf! Each of us is essay last lecture, qualified to pdf a high level in our area of expertise, and we can write you a fully researched, fully referenced complete original answer to essay lecture your essay question. Just complete our simple order form and you could have your customised Finance work in your email box, in an essay of dramatic poesy pdf as little as 3 hours. This Finance essay was submitted to us by a student in order to similarities between essay help you with your studies. This page has approximately words. If you use part of this page in your own work, you need to provide a citation, as follows: Essay UK, Historical Review Of Mutual Funds . Available from: http://www.essay.uk.com/free-essays/finance/mutual-funds.php [04-10-17].
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