Pigeon - Magazine

Product Focus

Event Arbitrage ‘Alternate Investment’ Fund from Unifi Capital

Objective & Strategy : Generate stable absolute returns that are consistently superior to fixed income instruments by identification and quick execution of low risk to moderate gain event arbitrage opportunities arising in the equity market from time to time. The prime focus is to achieve the desired returns by building a portfolio with relatively low volatility than the benchmark indices to ensure capital preservation across market cycles. The strategy is to invest in a basket of stocks with underlying arbitrage opportunities driven by corporate events like mergers, acquisition, initial public offers, buyback of shares, regulation triggered / voluntary open offers made to the public by controlling shareholders etc., For details on performance click the following link… http://www.financialplanners.co.in/articles.aspx?id=30

Like almost everything else in life, your response to money is largely dictated by your personality. But have you given much thought to how you behave with regard to your finances and how that behavior affects your bottom line? Understanding your money personality is the first step and will help you shape your approach to spending, saving and investing. So what's your money personality? Read on to find out.


	What's Your Type ?
			Money personalities have been analyzed in a variety of ways and many people can identify with aspects of several profiles. They key is to find the profile that most closely matches your behavior. The major profiles are: 1.Big spenders 2.Savers 3.Shoppers 4.Debtors 5.Investors


	Big Spenders
		Big spenders love nice cars, new gadgets and brand-name clothing. Big spenders aren't bargain shoppers; they are fashionable and they are looking to make a statement. This often means a desire to have the smallest cell phone, the biggest plasma TV and a beautiful home. When it comes to keeping up the Joneses, big spenders are the Joneses. They are comfortable spending money, don't fear debt and often take big risks when investing.

	Savers
		Savers are the exact opposite of big spenders. They turn off the lights when leaving the room, close the refrigerator door quickly to keep in the cold, shop only when necessary, and rarely make purchases with credit cards. They generally have no debts and are often viewed as ‘Kanjooz’. Savers are not concerned about following the latest trends, and they derive more satisfaction from reading the interest on a bank statement than from acquiring something new. Savers are conservative by nature and don't take big risks with their investments.

	Shoppers
		Shoppers derive great emotional satisfaction from spending money. They often can't resist spending money, even if it's to purchase items they don't need. Shoppers are usually aware of their addiction to spending and are even concerned about the debt that it creates. They look for bargains and are pleased when they get a good deal. Shoppers will often shop to entertain themselves, even if the items they buy remain unused.
		Shoppers are an eclectic bunch when it comes to investing. Some invest on a regular basis through retirement or pension plans and other automatic investments and may even invest a portion of any sudden windfalls such as bonuses or inheritance money, while others view investing as something they will get to later on.

	Debtors
		Debtors aren't trying to make a statement with their expenditures, and they don't shop to entertain or cheer themselves up. They simply don't spend much time thinking about their money and therefore don't keep tabs on what they spend and where they spend it. Debtors generally spend more than they earn and are deeply in debt and they don't put much thought into investing. Similarly, they often fail to even take advantage of the company initiated savings like PF, NPS & others.

	Investors
		Investors are consciously aware of money. They understand their financial situations and try to put their money to work. Regardless of their current financial standing, investors tend to seek a day when passive investments will provide sufficient income to cover all of their bills. Their actions are driven by careful decision making, and their investments reflect the need to take a certain amount of risk in pursuit of their goals.

Advice for Your Personality

Once you recognize yourself in one of these profiles and have put some thought into how you approach money, it's time to see what you can do to make the most of what you have. Sometimes making just small changes can yield big results.

	Spenders		Shop a Little Less, Save a Little More
	Savers		Use Moderation
	Shoppers		Don't Spend Money You Don't Have
	Debtors		Start Saving, then Start Investing
	Investors		Keep Up the Good Work


	Knowledge is Power
		While you may not be able to change your personality, you can acknowledge it and address the challenges that it presents. Managing your money involves self awareness; knowing where you stand will allow you to modify your behavior to achieve your desired outcome.

“This newsletter is for Private Circulation only and not for sale, is only for information purposes and Chamomile Investment Consultants is not providing any professional/investment advice through it and, does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. Chamomile Investment Consultants disclaims warranty of any kind, whether express or implied, as to any matter/content contained in this newsletter, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Chamomile Investment Consultants and / or their officers, employees, personnel, partners will not be responsible for any direct/indirect loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any investment decisions based on the contents of this newsletter. Use of this newsletter is at the user's own risk. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. Chamomile Investment Consultants does not warrant completeness or accuracy of any information published in this newsletter. This newsletter is for your personal use and you shall not resell, copy, or redistribute this newsletter, or use it for any commercial purpose”

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