Company name

 How one can have a unique name for their company or business or enterprise all over India?

An entrepreneur or a businessman when chooses a name for a company if he/she wants that his/her company name should be unique and different from others then he or she should apply with the office of the Registrar of Companies to get a unique name that is a name only for his/her company and not with the District Industries Centre only.

When one forms a company then if the entrepreneur/businessman is interested to have a particular name for their company with no company having that name all over India then he/she can apply for that with the Registrar of Companies. It is only through this that a company can be allowed a particular name. What happens is that this office before allowing for that company name will check the name to find out whether it exists with any other company or not all over India. If there are other companies with similar names or a company with that particular name then the entrepreneur/businessman who has applied for that company name can not be allowed for that name of the company. But if there is no company with that name and the name can be allowed to that company then also the office cannot allow for that name before checking with the trademark office. The office will check with the trademark office whether there is a trademark in that name or not. If there exists a company with a trademark for that name then also the entrepreneur/businessman cannot be allowed to have that particular name. Similarly, if an entrepreneur/businessman approaches for a trademark for his company the trademark office will check whether a company exists in that name or not. If it exists then the trademark is not allowed to that company. Sometimes even internationally for some companies, if a company name exists then also the entrepreneur/businessman cannot be allowed to have that particular name.

So when an entrepreneur/businessman has taken registration of the company name with the Registrar of Companies, then all over India there will be only one company with that name. But when one has taken registration for their enterprise with District Industries Centre only then there can be several companies in that name. So when one wants to have a particular name for their company and wants that their company name should be only with their company all over India then one must apply for the company name with the Registrar of Companies.

Mutual Fund SIP

Mutual Fund is a pool of money, collected together from many persons/investors and is put in a fund. Mutual Fund is a collective investment scheme.  For investors there are long term schemes and short term schemes.When investment is in long term scheme the risk reduces but in short term schemes, the investment should be in such short schemes where there will be good returns. Mutual Fund in itself is a balance product. There is a mix of equity and debt in Mutual Fund so the risk reduces to a great extent. When investment is only in equity fund then risk increases. Mutual Fund is a pool of investment scheme. There are various schemes and for each scheme there are separate Fund Managers.  The Fund Managers make a Portfolio of companies that is there are various companies in the Portfolio where the Fund Manager will invest the investor's money in different percentage and also the percentage of return is different in case of different companies.

Every individual may have any of these three goals:

1. Child Future
2. Retirement
3. Wealth Creation

As per the individual's needs/interests schemes are decided for them and accordingly the Fund Manager of that respective scheme will invest the money wisely in different companies. SEBI and AMFI makes the guidelines for Mutual Fund investment that is, not more than a particular percentage one can invest in one company.

38 companies are working in Mutual Fund. In Sensex (Bombay Stock Exchange) top 30 companies index is there. In NIFTY (National Stock Exchange) top 50 companies index is there.  With the Sensex up and down it means that it gives the average performance of these 30 companies. Similarly with NIFTY up and down that means it gives the average performance of these top 50 companies.

There is open-ended and close-ended investment in Mutual Fund. In open-ended investment the investor can enter and exit according to his/her wishes but in close-ended investment in Mutual Fund the investor can enter but exit only as already decided. Open-ended investment is better than close-ended investment in Mutual Fund.

There are two ways to invest in Mutual Fund and they are:
1. Lump sum investment
2. Investment through SIP. SIP is Systematic Investment Plan which is monthly mode of investment where NAV is declared.

Types of Mutual Fund is mainly

1. Equity Fund
2. Balance Fund
3. Hybrid Fund.

In terms of risk, in Equity Fund there is high risk but also high gain.
In Balance Fund there is moderate risk.
In Hybrid Fund which is also called Debt Fund, there is low risk. Debt Fund is equal to a Fixed Deposit. When you are investing in Hybrid Fund, some investment is made in Debt Fund and some investment is made in Equity Fund.One should invest in Hybrid Fund through SIP and it is advisable to invest for 3-5 years. One may get 7% - 9% return on Debt Fund and near about 12% return on Equity Fund. So one may get a total of 19% return on their investment in Hybrid Mutual Fund.