mutual funds investment and Portfolio managementIndividuals as well as corporate can set aside some amount every month to meet periodic outgoes, which are short term in nature. The same could be done for meeting long-term goals as well. Here, we discuss some examples.

How to Calculate MFs SIP's Amount 

As an individual investor, you can use SIPs to accumulate some amount every month to meet your expenses for your family vacation that you aspire to every two years. For example, suppose you put in Rs 10,000 each month through an SIP in an income fund and you get an average annual return of about 10%. So at the end of the two years, when you are ready for your family vacation, you have a corpus of about Rs 2.67 lakh. As a person who is in charge of finances at a small manufacturing unit, you need to pay advance taxes every quarter. Here, you can use an SIP in liquid schemes of good fund houses for your quarterly payments. For example, if you have an advance tax payment outgo of about Rs 3 lakh for the next quarter, you can put in Rs 1 lakh each month in the SIP so that, at the end of the third month, you have a little over Rs 3 lakh. Or you can put in Rs 99,000 in the SIP and have just about Rs 3 lakh.

Here, we are assuming a return of 8% per annum for the liquid fund -a conservative estimate given that in the last one year most liquid funds have given higher than 8% return. Corporates can use this for service tax payments, dividend and employee bonuses, according to financial planners.

One can use SIPs in equity funds for building a long-term corpus for retirement planning, child's higher education, wedding, etc.

Most fund houses tell their customers to go for SIPs in equity funds for building a large corpus for the future. Here, other than discipline, the compounding impact of investing over several years also kicks in, which ultimately brings in a large sum of money for the investor. Most of the top mutual fund houses have SIP calculators on their websites. Make use of these tools to plan your SIP for each of your life's goals. You can use those calculators to get a good idea about the amount you need to save every month, how much corpus you need for your long-term goals, etc.

Also, since there could be some tax implications relating to these investments through SIPs, may be you can seek some professional help from financial planners, advisers and or tax consultants.

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Bitcoin is a cryptocurrency, which is a form of electronic cash. This is the first decentralized digital currency: the system was designed to work without a central bank or a single administrator. Many economists and investors consider the Bitcoin market to be a bubble. Bitcoin has also been criticized for its use in illegal transactions, its high power consumption, price instability, and theft from exchanges.

What Is Real Cryptocurrency
Bitcoin is made as a reward for the process known as mining. They can be exchanged for other currencies, products and services. The research produced by Cambridge University estimates that in 2017, there were 2.9 to 5.8 million unique users using cryptocurancency wallet, most of which used bittoine. A cryptocurrency (or crypto currency) is a digital asset designed to work as a medium of exchange that uses cryptography to secure its transactions, to control the creation of additional units, and to verify the transfer of assets. Cryptocurrencies are classified as a subset of digital currencies and are also classified as a subset of alternative currencies and virtual currencies.

Bitcoin, created in 2009, was the first decentralized cryptocurrency. Since then, numerous cryptocurrencies have been created. These are frequently called altcoins, as a blend of bitcoin alternative. Bitcoin and its derivatives use decentralized control as opposed to centralized electronic money/central banking systems . The decentralized control is related to the use of bitcoin's blockchain transaction database in the role of a distributed ledger