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Should Investors Consider Fund of Funds in their Portfolio?

A Fund of Fund means a mutual fund scheme that invests in other mutual fund schemes. The fund manager invests in other mutual funds instead of directly investing in equities or bonds. The portfolio is catered for investors with different risk profiles and financial goals. The Fund of Funds offers such benefits that the investors gain from the diversification as a result of investing in various fund categories.

The most sought-after Fund of Funds in India are:

Multi Asset allocation fund of funds are mutual funds that invest in and even other asset classes such as gold, equity, debt, and other commodities.
Gold Fund of Funds are funds that have underlying investments in Gold ETFs
International funds are investments in mutual funds that comprise bonds and shares of global companies.
Investing in a fund of funds is a smart choice if one looks into a few aspects.

Advantages

An investor’s investment is diversified across several funds from various sectors..
This investment strategy of the fund of funds in India can helps one to get exposure in some of the top-performing mutual funds even with a limited investment budget.
In case of Fund of Funds, taxation levied is payable by an investor, only when the fund is redeemed. However, both short-term and long-term capital gains are subject to tax deductions in India, depending upon the annual income of the investor and the time of investment.
There is no taxation on fund of funds scheme if Fund Manager rebalances the scheme portfolio.
Disadvantages

The basic meaning of Fund of Funds is that the mutual fund invests in many funds that further invest in several securities. It is quite possible that the Fund of Funds, will own the same stocks and securities through different funds. This reduces the potential for diversification.
The Fund of Fund expense includes expenses of the underlying funds owned by the Fund of Funds.
Who should Invest?

Investors who wish to invest long term may avail of the fund of funds benefits by investing in such funds.
The main aim of the fund of funds in India isto augment returns by investing in a diverse portfolio thus trying to minimise the overall risk.
Individuals with limited financial resources and low liquidity needs which they can spare for a more extended period of time can choose avail of the benefits of a fund of funds. Since such funds invest in different types of mutual funds, the investor also gains access to high-value funds.
Also new investors with limited knowledge looking for a long-term and diversified investment option can invest in such funds.

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How to recover Google account on Mobile Devices

How to recover Google account on iPhone?

Google account recovery on iPhone is easy, if you follow below steps in a systematic way.

Open mobile browser in your iPhone.
Go to the Google sign in page.
Enter your email address or phone number.
Click o n “Next”.
Now, tap “Forgot password”.
Enter the last remember password. If you enter the last password it will verify your account and click on next.
Click on Try another way.
Now, verify your recovery email address and tap on send button.
Answer the security question and click on next.
Now, create a new password for your account and confirm the password.
Click on “Change password”. Now, your Google account will be recovered.
How to recover Google account on Mac?

Google account recovery on Mac is easy, if you follow below steps in a systematic way.

Open the Google Account Recovery page in your internet browser.
Enter the email address for the account which needs to be recovered.
Click on “Next”.
Enter the last password which you remember.
Click on “Next”. If the password you typed is correct, then recovery of the account will start otherwise the 6-digit code will be sent on your email address or on phone number.
Click on “Send”.
Type the 6-digit code in the required field.
Click on “Next”.
Now, reset a new password for your Google account. Your Google account will be recovered successfully.
How to Recover Google Account On Android
Google account is a standout amongst other free webmail accounts so as to send and restore data to the customers. It is a brilliant component of Google and offers astonishing security and protection to deal with your record decisively. Google record may be introduced on different cell phones like Android, iPhone, iPad, iPod, and so forth. In the event that you are utilizing your Android gadget can essentially utilize Google account with the right email address and secret phrase, in the event that you face a blunder you can’t get to your record soon.

Google account recuperation procedure would give you astonishing assistance to get to your record on your Android gadget by and by on the off chance that you face a mistake. However, for the assistance you before long follow the means recorded down.
First of all, turn on your telephone and snap on the Google account application on your Android gadget.
If you can’t get to tap on overlooked secret key fasten and enter the right cell phone number.
You will get a recuperation code to go into the right field and afterward select the Google account recuperation administration that causes you entering the new secret key.
Enter the new secret phrase into both new and affirm secret phrase fields toward the finish of the assignment.
For more assistance with respect to Google account, you can contact our Google User support group whenever.

Google has provided the way to recover our Goggle account by following a procedure of Google Password Recovery via SMS. It has provided variety of features for recovering our Google account like using phone number, email address and many more.

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A.M. Sensuality Tips: Making the Most of Morning Wood

When a man is ready to rise and shine, he usually isn’t the only one who’s up and at ‘em. “Morning wood,” or a woody that is present when one awakens, is a very common occurrence and is a sign of good male organ health. Experts know that morning is, for many men, the time when they are biologically most ready for intimacy, so indulging that morning tumescence makes sense. Of course, sometimes a man needs to take a few steps to prepare for a.m. activities. The sensuality tips below can help make morning play both more likely and more enjoyable.

Allow enough time. On weekends, it’s usually easy to accommodate wake-up play, but weekdays can be more challenging. Therefore, it’s wise to wake up early enough to make sure there’s time for some relaxed coupling. How much time? That depends on the couple. Many enjoy a “quickie” and may find five minutes sufficient; others may want 30 or 40 minutes (or more) in order to properly enjoy some together time.

Watch the breath. Probably the biggest negative associated with having relations just after awakening is that dreaded morning breath. Couples should definitely have a plan for conquering this obstacle. Many people need to urinate upon first awakening, so they can quickly brush their teeth at the same time. But for those who wake up and want to get right down to business, keeping some breath mints or mouthwash and a “spit cup” on the nightstand is a must.

Be clean. Since there’s likely no time for a shower before beginning the morning festivities, men should take a shower the night before. Those men whose bodies tend to attract odor easily should keep some deodorant and/or cologne nearby for a quick application upon waking. Many women find a guy’s “bed head” – that messy I-just-woke-up look – appealing, but if it goes from messy to rat’s nest-y, run a brush through it a couple of times.

Warm her up. Guys may wake up with a woody that is raring to go, but that doesn’t mean their lady friend is in quite as advanced a state of receptivity. It often helps to take the time to gently awaken the special woman, perhaps by whispering arousing sentiments into her ear while putting one’s arms around her for a warm hug.

Make the most of the lead-up. Unless a quickie is on the menu, start by sensually removing her nightclothes and any undergarments she may be wearing. Take time doing this and be sure to express appreciation for the body that lies underneath these clothes. Spend time exploring all of her sensitive areas, and don’t be limited to using hands. A man should let his mouth, his feet, his legs and his male organ caress his partner’s body as he seeks to stoke her sensual fires.

Know one’s (time) limit. Play before work can put a big smile on the faces of both partners. But if there’s concern about taking too long and being late to work, it can make one or both partners too anxious to really enjoy the event. If this is potentially the case, the couple needs to enter into it with the agreement that, as much as they might like to stay in bed for hours, they will stop at a certain time – even if one or both partners has not climaxed yet. After all, the goal is to enjoy the experience and the closeness resulting, not to focus solely on the final moments.

No list of sensuality tips for improving morning fun would be complete without reminding a man that he must keep his manhood in good health. Daily application of a first rate male organ health crème (health professionals recommend Man1 Man Oil) is crucial for appropriate male organ health maintenance. For optimal results, select a crème that includes both vitamins A and C. Vitamin A conveys strong antibacterial benefits which help to eliminate persistent male organ odor (a major turnoff for many women). And vitamin C is associated with advanced collagen production, which not only delivers excellent skin tone and elasticity but also contributes to proper male functioning.

Visit http://www.menshealthfirst.com for additional information on most common male organ health issues, tips on improving male organ sensitivity and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

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