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Short term debt funds for short term goals

Debt mutual funds can be classified as per their holding period such as short-term debt funds and long-term debt funds. The meaning of short-term debt funds is that they invest in debt and money market instruments with a Macaulay duration of the portfolio between 1 year – 3 years. Short -term debt fund returns have low volatility..

Investors who are conservative or want to keep a certain portion of their assets in fixed income bearing securities can invest in short-term debt mutual funds. Debt funds, amongst themselves, have different risk profiles, which allows investors to choose funds based on their risk appetite and return expectations in these funds. Investors in debt mutual funds are exposed to inherent risks such as interest rate risk, credit risk, illiquidity risk and market risk etc. Interest rate risks refer to the risk in your investment when prices of the securities purchased move up or down due to changes in macro-economic conditions like higher inflation, higher government borrowings, adverse effect on rupee due to higher current account deficit and other global market developments. Credit risk refers to the risk, when the securities which the fund is holding get downgraded or when there is a possibility of the issuer of the security defaulting in payment of principal or interest. Market risk refers to the risk of the underlying securities cannot be liquidated at the price at which it is valued, due to markets not being deep enough to absorb the sale of the securities. Investors who want to keep their money for very short periods but looking for slightly higher return than savings account and willing to take market risk may invest in Liquid Funds offered by mutual funds. These liquid funds are short term debt funds in nature and invest in Instruments which mature within 91 days.

So if your goal is for a very short period or if you are investing in a different asset class or you have almost reached your goal, it is generally suggested to switch to debt funds as they are less volatile than equity.

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How SAP Business One helps Food and Beverage Industry?

Food and Beverage is an industry that goes by stringent compliance and regulations. This industry is highly influenced by customer demands, and upcoming trends such as online delivery facilities, fresh meals, fruits and vegetables delivered with the click of a button, organic products or online. With intense competition and changing customer preferences, there comes the need for change.

In this highly regulated industry, there comes a need to invest in a robust software and meet the complex needs of the F & B industry.

The SAP B1 software which helps you to –

Track and view information anytime and anywhere and the entire supply chain
Record the right formulae for each product
Help in workforce management, raw material management, and replenishment
End to end management from production, customer acceptance, budget and cost controlling
Render one version of the truth and help in confident decision making
Provide accurate product information without any hassle
Reduce product costs while mitigating the number of errors
Ensure the specifications meet nutritional and quality standards
Let us know how bringing an ERP is a critical step toward meeting the desired goals.

Records management

It becomes absolutely necessary to comply with FSMS and other food safety regulations. The SAP B1 software empowers all F&B businesses to step in the digital era and manage records safely. With this software, you can enjoy all the benefits of the paperless office, track products better and maintain information easily.

Food safety audit management

Today food and beverage companies face many audit scenarios owing to the nature of their business. This includes customers, regulatory, internal audits, and so much more. The software renders clear information required to showcase to the auditors and they can use this information to meet the set standards.

Compliance management

One of the biggest challenges of this industry is to achieve great compliance and make high-quality products while mitigating costs. Without enterprise-ready software, managing the supply chain and staying compliant is often a big task. SAP B1 overcomes small production hurdles and helps you easily access data and safeguard your brand image.

Warehouse Management

Facing any hurdle of maintaining the level of stock or knowing which products are going overstock or facing expiration dates? With SAP B1, it is easy to track expiry dates, track inventory and raw material wastage effortlessly. The software keeps a record of movement happening forward-backward, and so on. You can also manage multiple stocks and know their movements across warehouses. With the smart and intelligent ERP, you can monitor item wise sales and profitability. This would help you to plan better and make confident business decisions.

Bills of Materials Management

With automated formulae management features in ERP software, you can easily manage the formula revision of any products and can revise the alteration with greater ease. With smart ERP software, you can respond dynamically to changing regulations, customer demands and stay compliant.

The word digitization is gaining popularity in the food industry. To meet strict industry standards and win in this competitive market, it pays to partner with one of the ERP software companies in Mumbai. This partner will help you manage the various challenges of this industry and render the best solution with SAP Business One software.

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Herbal Iron Formula Supplements To Improve Hemoglobin Levels In Body

Many of us are aware of the fact that oxygen is the most crucial element needed to sustain human life. If this substance is not sufficiently taken all through the body to the vital organs and to tissues, there can be serious health issues. For instance, inadequate supply of oxygen to the brain can cause brain damage and even death. This is where hemoglobin plays an important role in the human body. Yes, this is the respiratory protein with iron content present in red blood cells and it plays the important role of transporting oxygen from the lungs to all other parts of the body.

Iron supplements will help: In the case of individuals with low hemoglobin level, iron supplements can help with improving the level. However, to improve hemoglobin levels, it is recommended to rely on natural remedies, as against some artificial medicines. This is where the herbal iron formula supplements called as Feroplex capsules can bring help.

An introduction to Feroplex capsules: These capsules are made out of effective ayurvedic preparations to address anemia in an effective manner. Regular consumption of this supplement will supply iron in an easily absorbable form, such that patients with low hemoglobin content can ensure the maintenance of healthy iron levels in the body to keep themselves healthy, strong and energetic. As iron is supplied by these herbal iron formula supplements in bio-available form, it will be easily absorbed by the human body, irrespective of the age of the patient. Also, even if the patient has problems like slow digestion, the iron supplied by this product will be absorbed by the body to address iron deficiency anemia in an effective manner.

Lauh bhasma: This is a mineral-based ayurvedic preparation and it contains elemental iron micro-fine particles that are prepared through a process called as calcination under high temperature. It can address the following problems, thereby forming part of herbal iron formula supplements:

1. Treats weakness due to bleeding disorders
2. Treats impotence
3. Nightfall will be addressed
4. Spleen and liver enlargement will be corrected
5. It will address general debility
6. It will bring relief to iron deficiency anemia.

Mandhur Bhasma: To improve hemoglobin levels, this ayurvedic preparation from iron oxide is also added to Feroplex capsules. It is added due to the following reasons:

1. Even though it can balance vata, pitta and kapha, it is known to be highly effective in addressing pitta dosha
2. It is known to improve hair growth
3. It is a natural aphrodisiac
4. It will improve immunity and strength
5. It can address inflammatory conditions and injuries
6. Treats anorexia and jaundice
7. It is effective in addressing anemia.

Kasis bhasma: This is also an ayurvedic preparation with ferrous sulphate and due to its richness in iron it can improve hemoglobin levels and can address menstrual problems in women. It is added as an ingredient because:

1. It can treat iron deficiency anemia
2. It can treat digestion problems
3. It can treat menstrual problems in women
4. It can treat skin and hair problems both in men and women.

In addition to these ingredients, to make the consumption of these herbal iron formula supplements easy, purified sugar candy is also added as an ingredient.

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