Author: Aarushi Srivastava

What is value mutual fund

These are the funds with the investment in the stocks which are undervalued by the market. Their market price is lower than their true value .It is a long term investment ,where you cannot expect the price to be equal to its fair price in a single day.

The Fair price of the company is determined through various analysis. Now due to the market inefficiency the market price does not matches their fair price.

So, the fund manager investigates these inefficiencies and invest in those stocks that are undervalued so that when we buy these stocks at a less value and sell them at their true value we achieve a long term capital appreciation.

Why it is good for the investment

The primary advantage of Value mutual fund is that it gives you the high/exponential returns in a long run but it requires the time and patience to recognise its true worth.

1. Long term growth- It offers the higher return and multiply the investors money over a long term.
2. Volatility– It’s volatility is lower as compared to other types of fund. It is less affected during short term fluctuations in the market. It is much stable during turbulent market conditions and helps the investors to be in the market during downturns.

3.Diversification- In this to lower the risk, we can invest into various sectors and industries such as large cap, small cap etc. You can invest in other funds also like dividend funds, growth funds etc.

4. 4. Accessibility and convenience – It gives you the liquidity and you can easily sell and buy the shares without having much knowledge at the end of the day.
5. Investment options– It gives you the flexible options to invest whether you want to invest in direct plan or regular plan.

Factors to reconsider while investing

1. Past performances– It is not the final call of any company as you cant predict the future of the company but you can analyse the consistency and relatability and can look at its long term performance and can compare them with their benchmark indices and peer funds.
2. Expense Ratio– The expense ratio should be lower as it is considered as a fee that the fund charges each year to cover its cost. So, lower the expense cost ,more money is saved from your investment.
3. Time– Choose the time horizon for your investment according to your needs and desires. Value investing is a long term strategy so if you want it for the short term you should reconsider your decision.
4. Fund Size and Liquidity: Evaluate the size of the fund where larger funds offer the stability while the smaller funds is more quick and takes the advantage of the market opportunities. Make sure that the fund’s size and liquidity meet your investment preferences.

How to invest in the value mutual fund

• First select the platform for the investment like for example Groww , ET Money, PayTM Money etc.
• Create an account on any platform you like and sign up on that portal.
• Complete your KYC on it and open an new account.
• After completing, invest your money as per your choice in the value mutual fund.

 Top value funds in 2024

The above given table shows some of the popular mutual funds and their returns in the years. You can analyse and can invest in the any of the above mutual fund as per your choice and needs.

Conclusion

If we consider all above points Value Mutual Fund is the better option to built your wealth over a long term while achieving the financial goals and market volatility. It also diversifies the investor’s money over time and gives us the good returns.

NOTE: Remember that investment in mutual fund requires patience and the undervalued stocks requires time to grow as they have the potential to grow and turn into a valuable asset in a long run.

We all love the outings, holidays in the shiny sun but on the other hand our skin also needs the sun protection. So to achieve it we need a sunscreen’s SPF (Sun Protection Factor) to protect our skin from sunburn, dryness or any other damage.

Types of UV rays

There are three kinds of UV rays but here we primarily discuss UVA and UVB rays, since UVC rays are bounced by the earth’s ozone layer

1. UVA rays – It has the longest wavelength and is the main cause of tanning as they are able to penetrate into middle layer of your skin. They’re the ones that causes skin aging, skin cancer etc.

They make your skin darker as they trigger your subsurface melanocytes to produce melanin.

2. UVB rays – As they have the shorter wavelengths they tend to be on the outer layer of the skin and causes skin burn and can also lead to the skin cancer.

What is PA+ in Sunscreen?

In addition to the sunscreen you must have seen the label PA+ written on the various sunscreen. It basically implies the “Protective Grade  of UVA rays”.It measures the protection from UVA rays while SPF measures the protection from UVB rays.

The combination of both SPF and PA protects the skin from both the rays. Some level of PA are given below-

PA++++ (UVA protection-Very High)

PA+++ (UVA protection-High)

PA++ (UVA protection-Moderate)

PA+ (UVA protection-Some)

Which sunscreen is best Mineral or Chemical?

It totally depends on an individual and its skin type and how they like the product. There are two types and they both are explained below.

Chemical- They are more water resistant and provides broader coverage. It feels very light weighed and are more preferable when doing makeup or for daily use.

Mineral- This one acts as a barrier on the skin and are less likely to cause irritation or any allergy. It gives an immediate effect when compared to chemical sunscreen.

Sunscreen for Babies

• Children less than 6 months: Do not apply the sunscreen on these children else cover them with the long sleeve pants, shirts etc
• Children more than 6 months: Use the sunscreen that contain zinc oxide or titanium dioxide which is best and appropriate for the sensitive skin of toddlers or infants.

How to choose the right sunscreen?

To choose a right sunscreen the SPF variant plays an important role according to the climate change. Some of the variants of the sunscreen and their suitability are given below-

1. SPF 15 to 30 -These sunscreens variant from 15 to 30 are used in a milder climate where there is a lower UV exposure. We can use it in places where there is less sunrays, less outdoors or when you are living in spring season. Lastly this variant provides an adequate amount of protection from sunrays.

2. SPF 30 to 50– These sunscreens are highly recommended and is best in summers. It blocks 97-98 % of UVB rays which is far better to shield your skin from harmful rays.

The people with the fair and sensitive skin or the ones who spend there most of the time outdoors can use it as it offers the better protection from aging, skin cancer or any long term burn.

3. SPF 50+ – For the maximum protection in the intense climates this variant is used. In extremely hot, sunny climate such as in deserts or high-altitude environment this provides an extra layer of protection to your skin against the heavy sunburn and skin damage. It provides the highest amount of blockage which is approximately 98% from the UVB rays.

How to apply?

Applying sunscreen in a right manner is really important to ensure the protection from sunrays.

• Firstly, select the right sunscreen for your skin
• Apply the sunscreen at least 15 minutes before going to outdoors so that it can absorb to your skin fully.
• Apply enough of it so that it can be effective to your skin.
• While applying it pay extra attention to the sensitive areas like neck, ears, top of feet etc
• Reapply the sunscreen after every 2-3 hours when there is lots of sunlight or when you are swimming or doing some water related activities.

After applying sunscreen what to do

• Wear the protective clothing like long shirt, hats, sunglasses etc
• Seek Shade whenever possible during the peak hours
• Protect lips from sunburn
• Avoid Tanning beds as they emit harmful radiations that can harm your skin very badly.

Still Confused, Which sunscreen to choose, A Last Suggestion-

You can use the Broad Spectrum sunscreen as it acts as a defender from both UVA and UVB rays emitted by the sun. The SPF 30 and above are usually considered this category.

While choosing a sunscreen product you should have both SPF and PA+ in it. Some additional factors like water resistant and broad spectrum protection can also be considered .

Remember to apply the sunscreen daily to keep your skin healthy and protected.

NOTE: No sunscreen can provide you 100% of protection from the UV rays

Summer season, a season of high temperature, brightening light, clearer sky and a soothing breeze which envelops us in the warmth of joy and positivity in our minds and heart. It is the season of longer days and shorter nights as the days become warmer and the nights cooler. The word Summer symbolises the growth and fruition of the nature as it awakens the colour and scents in the atmosphere.

Staying Healthy

In spite of high heat people enjoy relishing the fruits, vegetables and beverages to keep them healthy and hydrated in the scorching heat waves. The most important thing in summers is to stay hydrated because sometimes the people gets through the heat stroke, diarrhea and other disorders .To avoid these sufferings one must stay hydrated by consuming 8 to 10 glasses of water as our human body is made up of 60 percent water. To maintain the salt and sugar level in our body it is advised to consume the beverages like lemon water, butter milk, fruit juices etc.  It is also suggested to keep Oral Rehydration Solution (ORS) handy for humid days to handle extreme dehydration. The most famous summer fruit that is Mango is mostly eaten and enjoyed by the people in summers as it is very juicy and rich in vitamins and minerals. Other fruits are also enjoyed like watermelon, pineapple etc boosts the immunity and maintain the pH level of the body and overall health. In summers vegetables also plays an important role in providing fibre for our gut health and antioxidants to promote our skin health. Some vegetables like cucumber, green beans, corn etc. can also be eaten as a flavourful and colourful addition to your summer meals.

Dressing in the summer

Clothing in the summer season does not mean that you have to sacrifice your styling else you can wear the right clothes to look more comfortable and cool. There are few tips that you can do while dressing fashionable in summers.

Fabric- Choosing the right fabric such as cotton, linen and chambray allows the airs to circulate around the body keeping you cool and comfortable even on your hottest days. These fabrics absorbs the moisture and the sweat in our skin and allows it to evaporate making your skin dry and fresh. Cotton is mostly wear material in summers as it soft, gentle and light in nature and provides unparallel comfort all day and night long whereas we should avoid the synthetic material as it can make your skin itchy and less absorbent.

Loose fitted clothes-In summers the loose clothes are the best clothes to feel relaxed because when our body feel relax then our mind too . By choosing the right skirts ,tops, shirts etc with the cut is preferred so that there is an easy movement in our body. Avoid the too fitted clothes in summer as it can make your skin feel trapped with the heat too.

Light Colours- In summers to reflect the light, colours play an vital role in it .We should wear the light colours like white, pastel, neutrals for the fresh look whereas on the other hand we should avoid dark colours which can make you feel warmer and hot as the sun absorbs the heat more in these colours.

Footwear, Skin creams , Hats- In the footwear section, we can choose the sandals or any lightwear sneakers to keep our feet cool and comfortable throughout the day. Now when it comes to our skin we should protect our skin from the UV rays by applying the sun screen of any brands and by covering our skin by a cotton scarf, a big hat and a wide sunglasses to protect your eyes and skin from the rays.

Activities in Summer

Activities/Gaming in summers are enjoyed both indoor and outdoor depending person to person . As there are longer days , outdoor games help the body to release some fats in the form of sweat and keep our body fit and healthy. During outdoors individuals are exposed to sunlight which is the great source of vitamin D for our immune system. Few outdoor games are listed below that one can enjoy in summers-

Beach Volleyball-An energetic game which is played on the sandy beaches to enjoy the sun.

Swimming-It is a popular activity of water and can be enjoyed with the great skill.

Cycling-Sunny days make it easy to cycle around the surroundings while exploring new things.

Badminton-It is another game which is played outdoor and people with any skill level can enjoy it.

Camping- It is an interesting activity for those who want to enjoy the nature and a small outing with their near one’s.

Enjoying Indoor games or activities with your parents, siblings and grandparents in the heating summers is another wonderful way to spend quality time together .Few games that are relished are listed below-

Chess- It is a mind game and is easily enjoyed by the two parties by staying indoor.

Art and Craft- Getting creative with the paints and brushes an individual is able to think in an innovative manner and try making new things.

Karaoke party- A party where one sets up a music with the microphone attached, while singing and dancing simultaneously.

Yoga /Workout session- To remain fit and flexible yoga or other workout session helps you to remain refresh amidst the heat of the season.

Cooking- While staying indoors celebrating new dishes and making them is very relaxing in summers.

Electronic appliances used to beat the summers

Electronic appliances are normally used in summers for cooling , entertainment, and convenience. The appliances used are generally for cooling purpose like AC, Fan, Coolers etc

Some of the appliances are given below with their uses –

AC (Air Conditioner)- These are very essential to keep our places cool and comfortable during the heat waves. There are many types of AC like Central AC, Split AC, Portable AC , Window AC etc which are used according to the area, utility and the purpose we want to serve. Normally the recommended temperature is between the 72°F (22°C) and 78°F (25°C) in order to save the energy and maintain a cooling effect during the peak summer months.

Fans /Coolers – Fans work to create the airflow in the rooms and to evaporate the sweat .There are various types of fans, including ceiling fans, floor fans, tower fans, and desk fans. Ceiling fans are mounted on the ceiling and circulate air throughout the room, while floor, tower, and desk fans provide localized cooling. Evaporating Coolers are also used effectively in summers as they absorb the warm air through pads and evaporate it and finally convert it into a cool air .They require a little maintenance which includes the cleaning of the pads and the reservoir. To increase the cooling effect both the fans and coolers should be placed near to the doors or windows to ensure its optimal performance. They both are a best option as a cost-effective alternatives to air conditioning.

Refrigerator- When it comes to store and preserve the food the best option is to use the refrigerator in the summers. It uses the refrigerant that transfers the heat from interior to exterior environment. The energy efficient refrigerators with high ENERGY STAR rating should be preferred as they consume less electricity and has less effect on environment.