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Financial Planning I select funds based on…

I select funds based on…

Learn from top advisors as they discuss their fund selection strategy.
R Daya Feb 13, 2017

Fund selection is one of the most important responsibilities of a financial advisor. While each one has their own unique fund selection strategy, read on to see how these leading fund advisors go about it.

Ramesh Bhat, Aniram, Chennai

The most important thing to me while choosing a fund is the performance of the fund. I first evaluate the returns brought in by the fund, the performance of the fund in bearish and bullish markets and the returns it has given in the past.

The next important thing is the fund manager. If he is a star fund manager with a good track-record, then I am sure that the fund is safe. After all when markets are volatile, what we need is a seasoned fund manager, who can mitigate the risks of the market volatility.

I also look at the quality of portfolio of the fund. In my view, the investments made by the fund should make sense in the prevailing markets.

Kavitha Menon, KM Advisors, Mumbai

I prefer to look at qualitative aspects like the fund manager’s history with the fund house, the schemes he has managed in the past, the kind of stocks the fund is holding etc. I believe that this reflects how the fund will work for my client in future.

Another thing that I consider is quality of portfolio. Since I understand stocks, I look at the selection process and the thinking of the fund manager.

In the case of bond funds, I look at prevailing market conditions, interest rate cycle, duration and yield to maturity.

I am very old school when it comes to comparing funds, as I prefer downloading the portfolio and analysing it personally.

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Felix Zeman · 2 months ago
Please read my provider's BG/SBLC Sale Transaction Procedure below and see if it will suit your requirements.


1.    Buyer submits Letter Of Intent (LOI) with full banking coordinates (there must be sufficient cash funds in this account), Enlarged 140% Colour copy of Passport , Client Information Sheet , Certificate of Incorporation (if applicable), Corporate Resolution (if applicable), Non-Solicitation Statement, and an Irrevocable Fee Protection Agreement .

2.    After conducting due diligence, the Seller will countersign the LOI and return it to Buyer including details of the BG Issuing bank, and Seller’s Passport copy. This LOI automatically becomes a full commercial recourse contract and will be notarized to avoid contract breach and Buyer will be required to take care of notarization expenses of the contract documents here in UK. After notarization of the contract documents here in the UK, both parties shall lodge the executed contract with their respective Banks.

3.    Within two (2) banking days, the Seller’s Bank shall send a PRE-ADVICE SWIFT MT199 or MT-799 to the Buyer’s Bank. (EXHIBIT A )  The PRE-ADVICE shall be valid for  four (4) banking days only.

4.    Within the same banking day, the Seller shall email a courtesy copy of the PRE-ADVICE SWIFT MT199 or MT-799 to the Buyer for confirmation. Within three (3) banking days after authentication of the PRE-ADVICE SWIFT MT199 or MT-799, the Buyer’s Bank shall reply and send a  SWIFT MT-799 to the Seller’s bank and a courtesy copy shall be sent  to the Seller’s email.

5.    Within three (3) banking days, after authentication of the Buyer’s SWIFT MT-799, the Seller’s BG Issuing Bank shall send the Bank Guarantee via SWIFT MT-760 to the Buyer’s Bank  ( EXHIBIT B ) and a courtesy copy shall be sent to the Buyer’s email. The Buyer’s bank verifies and authenticate the BG sent via SWIFT MT-760.

6.    Within three (3) banking days, after authentication of the BG sent via SWIFT MT-760, the Buyer shall send payment to the Seller via SWIFT MT-103 and concurrently pay Consultants commission fees of Two Percent of each tranche face value. Courtesy copies of the commission payments shall be sent to the respective consultants/beneficiaries and their paymasters.

7.    Within seven (7) banking days after authentication of receipt of payment to the Seller, the Seller’s BG Issuing Bank shall send the hard copy of the BG to the Buyer’s Bank  via Bank Bonded Courier.

8.    All subsequent tranches will be based on the same procedures until collateral or funds become exhausted.

9.    Any unauthorized calls by any party or its representative lawyers to probe or communicate in an improper way to bank(s) in this transaction shall be prohibited and contract terminated.

10. Please, Ready, Study and Understand VERY WELL, we will work STRICTLY base on this Transaction Procedure.


Contact Me Via Email:- bfltd2011@gmail.com

I look forward to a mutually beneficial business relationship.


Felix Zeman.
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