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The buzz word in the investing world is now - GOLD. Nowadays, there are many ways to invest in gold, other than buying physical gold and they are Gold ETFs and Gold Funds. There is a lot of confusion among retail investors about understanding and investing these products and we are quite sure this article would clarify things better.

To make things clear, both Gold ETFs and Gold Funds are mutual fund products — only the mode of purchase differs. The Gold Funds are fund of funds, which invest in their own fund house ETFs, for e.g., HDFC Gold Fund invests in HDFC Gold ETF.

Similar funds have been launched by Reliance mutual fund, Quantum mutual fund and Kotak mutual fund. Investors can get details of these funds from their respective websites.

Gold ETFs:

• ETFs are exchange traded funds launched by leading mutual funds which are traded in stock exchanges like Nse and Bse.
• You need a Dmat account and a trading account with your stock broker, to buy and sell these ETFs.
• Charges involved are brokerage charges and Dmat charges.
• They can be bought and sold over the exchange through a broker on a daily basis during trading hours. Gold ETFs provide an opportunity to benefit from changes in price movements of gold as the prices of gold ETF reflect the value of the underlying gold on real time basis.
• SIP is not possible, since it involves manual purchase by the investor every month.

Gold Funds:

• Gold Funds are fund of funds launched by mutual funds, which can be bought and sold through mutual fund agents or through online websites offered by the fund houses.
• You don't need a Dmat account or trading account.
• Charges involved - no entry load, but exit load of about 1 - 2%, if sold before one year from the date of purchase.
• Can be bought and sold on any working day, but the NAV of the fund at which the fund sells the units is based on the closing NAV calculated based on price of the gold on the previous day.
• SIP can be done, which is a good positive thing, since investing a fixed sum of money every month ensures you better average cost of purchase.

To sum it up, investing in Gold Funds are for those investors who want to invest in a simple and systematic method, involving lower costs. Whereas ETFs are for those active investors and traders, involving high costs and continuous monitoring of buying and selling.

With the emergence of smart phones, mobile applications have completely transformed how we live our lives. Applications make activities that we were once only able to perform in a stationary environment into something that we can do anywhere, anytime. Of the millions of activities, like banking, shopping, and more, that have now been made mobile, even stock trading is now made that much easier thanks to mobile apps. Here are some of the best ones out there:

1.Bloomberg
Bloomberg, the media and financial services behemoth, has always been a one-stop shop for information about the markets. Now, Bloomberg is available on a nifty app, so that you can have real-time stock information, market news, and more right in the palm of your hand.

2.E*Trade Mobile Pro
If you use E*Trade to buy stocks, then its mobile app is especially helpful, since you can use it to buy and sell stocks, transfer money from any financial institution, and monitor the markets with comprehensive charts and live stock quotes.

3.Virtual Stock Market Lite
Virtual Stock Market Lite is a great app especially if you are relatively new to the markets. When you download and begin using this particular app, you are given $100,000 in virtual cash to invest as you please. The app uses real stock prices and real markets, so using this app is wonderfully accurate, not to mention, fun, way to practice trading!

4.Stock Twits
Stock Twits has all the benefits of apps like Bloomberg in terms of information and news about markets. The one aspect of Stock Twits that makes it unique, however, is that it serves also as a social network for traders. You can follow traders who invest the same way you do, discuss different strategies, and generally become part of an entire community of like-minded investors.

Trading and investing has never been a walk in the park. It takes time and energy, business savvy, and of course, a little bit of luck. Using some of these apps, however, will enable you to access an enormous amount of data and expertise so that you can make the best investment decisions, any time and any place.

Author Bio:
This is a guest post by Nadia Jones who blogs at accredited online colleges about education, college, student, teacher, money saving, movie related topics. You can reach her at nadia.jones5 at gmail.com.

Investing your money can be a great way to ensure your financial future. With the right investment choices, you can be sure to have money for emergencies, to put towards the education of your children, and to have available when the time comes for you to retire. There is a key word in the preceding phrase however- “right”. If you make the wrong investment choices, you may just end up where you started or worse than that.Most people who invest wisely by making the right decisions with their money, follow the same basic investment pattern, although they may define it by another name. The following are simple but valuable investing rules, which have withstood the test of time and by following these, one can be successful in their investing venture.

S&P 500 and Dow Jones Industrial Average(DJIA ) indices are two of the world's most followed indices and are considered as the barometers of us markets. These indices have displayed historic resilience in holistically capturing the movements of the US markets. NSE is introducing rupee denominated future contracts on S&P 500 and DJIA indices. This is the first time in the world that futures contracts on S&P 500 index are being introduced and listed on an exchange outside USA.


S&P 500 is a free-float capitalization-weighted index 500 leading companies of the us economy and widely regarded as the best single gauge of the us equities market. Dow Jones Industrial Average (DJIA) is a price weighted index having 30 large and liquid blue chip stocks traded on U.S. exchanges.

Contract Details:

The contract size for the S&P 500 is 250 units and DJIA is 25 units, which approximately works out to 2.5 lakhs per contract. There are four quarterly expiry contracts in the mar-jun-sep-dec cycle and will be traded during Indian market time.

For whom?

Indian investors are currently permitted to invest in foreign assets subject to the limits stipulated by the Reserve Bank of India. Futures on S&P 500 and DJIA, currently being introduced by NSE shall enable traders desirous of taking exposures to us market to do so, without taking any foreign currency risk as they are rupee denominated contracts.

These contracts enable those invested in the us markets to hedge their equity exposure. Also, they can also be used as hedging tool by investors having a high exposure to stocks in sectors whose financial performance depends significantly on the prospect of the U.S. economy.

Other than the above mentioned investors/traders, market participants who can understand the dynamics of the U.S. markets can have directional views on the movement of the indices. As far as small investors  are concerned, this would be a avoid in the better interest of them.

6 Simple Tips for Better Money Management While Investing

Investing is always scary, especially for beginners. Investing during a global recession can be downright terrifying. That’s why using common sense is more important than ever.

In this article, we will share 6 easy tips for better money management for investors. Many of these hints are also recommended by CNN, Fortune, and Money.

1.Invest on a schedule.

Sticking to a schedule is good advice for many of life’s pursuits. Every month, put the same amount into a mutual fund. You will be able to keep track of your money better. Plus, this allows you to pick up more shares while they are cheap and fewer when they are expensive.

2.Take multiple investments.

Your mother probably told you not to put all your eggs in one basket, and she was right. Diversification cuts back your risk. Of course, you can never totally get rid of risk, but mixing up your portfolio helps.

Please don’t invest solely in company stock. If the company takes a dive, so does your retirement plan. Company stock should be only 10% of your portfolio, no matter how much faith you have in your business.

3.Buy foreign stocks.

This fits in nicely with the second tip on our list. Yes, the global recession has hit the entire planet, but buying overseas stocks is still a smart move. You should invest 20% of your money abroad, at the least.

4.Spend time with other investors.

It’s always smart to pick up advice from other players in the game. If you network with other investors, you can hear about new opportunities early through the grapevine. Even if you live in a remote area, you can join online investing forums, such as OnlineTradersForum.com.

5.Feed your 401k.

Place as much money as you can into your 401k. Your company might match it dollar to dollar, at least to a certain point. Or, they might match 50 cents on the dollar and a percentage of your salary. Either way, you’re getting free money to fund your future retirement.

And please don’t cash out when you leave your job. You’ll cough up a 10% penalty as well as income taxes. Plus, you’ll miss out on tax-free growth later.

6.Don’t make any investments you don’t understand!

It’s sad to think of how many people buy investments or take out credit cards without finding out any of the important details first.

Don’t allow a financial planner, broker, friend, or agent pressure you into buying an investment that doesn’t make sense to you. Ask them focused questions and take notes. If you just don’t get it, skip that investment.

This applies to just about anything, from credit cards to home mortgages. After all, a credit card is a financial investment also, so read the fine print. Do you know the APR?  Do you understand how the rewards program works? Good money management is all about staying informed.

Yes, many of the above tips are pretty obvious, but as French author Voltaire famously said, “Common sense is not so common.” Sometimes good investors make bad money management decisions because they’re pressured by other people, in a bad financial position, or just misinformed.

Thanks to Sierra Dawson for sharing some simple tips for better money management.  She says your common sense is one of the most powerful money management in your arsenal, so don’t underestimate it!

For more information better read Fisher Investments press to gather great advises on future investment.