The Philippine Mtual Fund Industry Swot Analysis free essay sample

A financial adviser will be hired the investment company to help choose where to place your money. In relation with his you’ll be having an access a boarder range of investment instruments such as equities, fixed income and real estate. Another, thing mutual fund has a low tolerance on risk through diversification. Finally, an investor whose considering to put his money in mutual fund would be delighted because of its lower transaction costs and minimum capital requirement of Php. 5,000 only. There are a lot of disadvantages that Philippine mutual funds industry is facing. First on the list is that the industry remains small after 41 years. Since the incorporation of the first mutual fund in the country which was Filipinas Mutual Fund at the end of 1998 there were only 15 investment companies participating in the industry with total assets of only 3.   billion. In addition to this there only 14 open-ended companies and only are closed-ended company each having 6000 and 8000 investors respectively. We will write a custom essay sample on   The Philippine Mtual Fund Industry Swot Analysis   or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page There were less than 200 SEC-licensed mutual fund salesmen. Obviously this will affect the operation of the investment companies engaging in mutual funds because the promotional activities is very minimal and so it generate lower income thus affecting the return of the investor. Secondly, the level of accountability reliability of the industry was not that good because out of 222 companies only 50 are generally considered to be truly investment rade companies. Environmental analysis There a lot of external factors that the mutual funds industry of the Philippines had. There may be a number of weaknesses the industry has but still many opportunities can be a tool to help revive the sector. The promulgations of the rules regulation Governing Investment companies under Republic Act 2629 with the support of SEC helped revive the industry after its downfall because of negative things that happen under the leadership of then President Ferdinand Marcos. That’s the point where in th eir investment companies emerged. Republic act 2629 can be redeveloped to help attract more investors in the industry because we need to adapt to the charging pattern of the market. Another thing also to consider is the challenge of ICAP to BSP’s position against alliances between the mutual fund industry and universal banks. It is the right time for the industry to take the risk of having strong relationship with banks and encourage the BSP to support them with its endeavour. It may create a great venue for the both sectors to shape the Philippine financial system. Finally, Personal Equity Retirement Account (PERA) as pattern on Individual Retirement Accounts (IRAS) is seen by the industry to help boost the mutual fund industry in the country. Through PERA accounts, a substantial part of Filipino saving is to be open among financial institutions including mutual fund companies. Aside from that, PERA offers tax incentives so it will be attractive to investors. There were lots of concerns that the industry can’t avoid. First, people were not familiar about mutual funds. One factor that may contribute to this is the fact that funds have very few retail outlets. The distribution channels consist primarily of the offices of the funds themselves. Another thing to consider was that the industry fell victim to a number of scams by some unscrupulous individuals. There came a time that mutual fund industry would become synonymous with the word â€Å"scam†. In addition to that, people preferred bank time deposit s as the most investment tools as they offer a safe guaranteed return compared to mutual funds that do not offer a guaranteed rate of return and more prove to risks. Pre-need plan also dominate the investment sector in the country. Pre-need plan is way better than mutual fund. There are 88 pre-need plan companies with total assets amounting to 78. 8million compared to 15 mutual fund companies with 12million in assets. Aside from that SEC has a minimum eye on preneed plan compared to mutual fund. Finally, the mutual fund industry of the country when compared to other countries is obviously uncompetitive. One factor that may contribute to this is   Philippines has one of the lowest saving rate in Asia of 17% is compared to Malaysia, Hongkong ,India and Thailand with 34%, 30%, 24% and 37% respectively. Strategic Issues and Recommendation Considering the fact that the mutual fund industry in the Philippines is small with only 15 companies and insignificant because people would prefer to invest in other financial instrument like preneed plan and common trust funds and time deposits on banks due to lack of familiarity and negative image it is very obvious that the Philippine mutual fund industry is undeveloped and growing very slowly. In order to help gain the popularity of mutual funds to investor, investment companies should hire more salesman reliable and advertising campaign to help promote their products. Revision of republic Act 2629 should also be implemented. This action should be actively supported by the Investment Company Association of the Philippines (ICAP) and not mutual fund companies alone.   Mutual funds industry should also seek for support of other financial institutions like banks, insurance companies and the like to create alliances and good relationship with each other. One strategy that a company can be used to achieve a sustainable competitive advantage against its rival is to provide a distinctive product or service. PERA accounts may be a great help for the industry to attract more customers. The industry should pursue this bill because it is a possible source of large inflows of capital into the industry.

INSTITUTO TECNOLOGICO DE COLIMA Essays - DraftT.T. Blues

INSTITUTO TECNOLOGICO DE COLIMA INGENIERIA EN SISTEMAS COMPUTACIONALES UNIDAD 4, MECANICA DE LA EMPRESA TRABAJO INDIVIDUAL Nombre: ___________________________________________________ Grupo: ____________ Elige una empresa de tu interes, investiga su planeacion estrategica y contesta lo siguiente: Informacion general de la empresa. Nombre y logotipo de la empresa Que t ipo de empresa (industrial, comercial, servicios) Tamano Giro (desarrollo de software, venta de equipo, mantenimiento y servicio .. etc. ) Productos y/o servicios que ofrece Cual es su Mision ? Cual es su Vision? Cuales son sus valores? Incluye su a nalisis DOFA ( si no lo encuentras lo puedes elaborar ) Puntos fuertes Puntos Debiles De origen interno FORTALEZAS F DEBILIDADES D De origen externo OPORTUNIDADES O AMENAZAS A Objetivos y estrategias. Menciona al menos seis objetivos (Dos estrategicos, dos tacticos y dos operativos) y dos estrate gias para lograr cada uno de los objetivos TIPO DE OBJETIVO OBJETIVO AREA O DEPARTAMENTO AL QUE PERTENECE ESTRATEGIAS PARA LOGRAR EL OBJETIVO ESTRATEGICO 1. 1. 2. 2. 1. 2. TACTICO 1. 1. 2. 2. 1. 2. OPERATIVO 1. 1. 2. 2. 1. 2. Presenta su Organigrama Explica que tipo de organizacion tiene (funcional, geografico, por productos, por servicios) Explica que actividades o funciones realiza cada uno de los puestos del organigrama (incluye al menos cinco). NOMBRE DEL PUESTO ACTIVIDADES O FUNCIONES QUE REALIZA En una cuartilla e xplica que relacion existe entre su planeacion, su FODA , las estrategias que utiliza y los resultados obtenidos.

A Chevening Leadership Essay Sample Could Be the Answer

A Chevening Leadership Essay Sample Could Be the AnswerIf you are looking for a good leadership essay, a Chevening sample might be a good choice. This sample is perfect for students who would like to know more about the coaching programs, strengths and weaknesses of each of the top management positions, what is considered a good leadership resume and more.For the past several years, Chevening has been an international leader in excellence. Since its inception, the Chevening School of Management has worked tirelessly to promote the establishment of high performance education in business. One of the first executive leadership programs in the world, the Chevening Leadership University is considering the leading and most respected leadership program for both new graduates and current professionals. What this organization does is train its students to become leaders and mentors of tomorrow, helping to create a better tomorrow for everyone.A Chevening student has the opportunity to train w ith leaders from all over the world. They can attend lectures and participate in classes or conferences that are conducted outside of Chevening as well. All of this is done under the direct supervision of top executives from the Chevening School of Management.The Chevening Leadership Scholarship Program is one of the best choices for students interested in leadership. This scholarship provides funds to deserving students to continue their education after they graduate from Chevening. These scholarships come in various categories, but all of them provide the same benefits and advantages to those applying.Students who complete the Chevening Leadership Scholarship Program are eligible to apply for the Chevening College Scholarships for women, which offer funds to women who pursue their undergraduate degrees at the Chevening School of Management. This college scholarship is sponsored by an organization of exceptional women leaders called Chevening Women in Leadership, Inc.Another colleg e scholarship program sponsored by Chevening is the Chevening College Scholarships for Black Students, which provides funds to students interested in receiving higher education at Chevening. This scholarship is open to students with a GPA of 2.5 or higher and any minority groups.Chevening leadership programs are recognized worldwide as the best opportunities for individuals to learn the skills necessary to be a leader. This is truly a school that is building the foundation for the future leaders of tomorrow. This world-class program continues to grow, and provides high-quality mentoring programs for those students seeking higher education and leadership in the Chevening School of Management.

Ways To Avoid Plagiarism In Academic Papers

Ways To Avoid Plagiarism In Academic Papers Today, when the Internet is rich with all kinds of data, its extremely easy to find content for most academic papers. Thats awesome, but its not always that simple to use information from the net in your paper same time avoiding plagiarism. But you still can do it simply following some easy steps while writing your academic paper so that it will be 100% unique. Paraphrasing When you need to write an academic paper on the specific subject, the first thing to do is to find as much information as you can. Next, you need to read the material and write it in your own words. Make sure you dont copy more than 3 words in a row from the other text you have found online. If you want to literally use the same words (more than 3 words one after another), you should use quotation marks. The right use of quoting will be explained more properly further as the text goes. Citing Citing can be a very effective way to make your paper original. When you are completing some academic assignment, you should just go through the paper formatting guidelines (i.e. MLA, APA, Chicago, etc.) that your university uses or other institution that issued the request for a research. Citing usually entails the addition of information about the author(s) and the publishing date or other things like that. When it comes to web content, citing quotes usually engages the extension of a page number or the paragraph number. Its really that simple. However, make sure to do it properly. Quoting Now we are back to quoting. So, when quoting some other writer, you need to use the quote exactly the way it presents in an original document. Nobody wants to be wrong cited. Still, most universities hate to see quotations with 30 words or more as every student should be competent to adequately paraphrase most works. Sure, this technique is time-consuming, but such effort will pay off with a high grade! Be sure your quotation is not too long and one more thing, make certain to do quoting right to avoid plagiarism accusation. Citing Your Own Content If you are writing an academic paper and need to use some of the content from your previous papers, you need to cite yourself. So, treat the content the same as you tend to do with someone elses writing. It might sound strange, but if you use the same text you have used before that will be characterized as self-plagiarism, and thats not admissible. Referencing Its important to include a reference page that has works presented at the end of your academic paper. Just like for citing, this page must meet the standards for paper formatting of your university. That information must be very explicit and to include all important information. If you want to avoid plagiarism, you should go through the directions on this page very carefully. Checking Edit your academic paper faithfully and look for plagiarism before you turn it to your professor. The steps mentioned here before are crucial for academic paper writing. Also, you should consider using plagiarism detection services such as WriteCheck. It can be a good way to check your paraphrasing and other skills from this article. Likewise, most educators and universities use the some kind of plagiarism checkers to assess students papers. So, dont take the chance of submitting your work before checking it first. Plagiarism may cause you severe problems with your academic degree or even career troubles in the future. If you need expert advice while checking your paper, or if you are not sure what to include in your work, consider asking for help from Essay Writing Place. Our professional writers are ready to help with any college assignment. We want to share our knowledge, skills and experience and assist students when they need it. Well gladly help with preparing a reference list, quoting sources, editing paper or any other problem that may appear in the process of writing. If you feel that you cant cope with the task yourself, let us help you!

5 Tips to Prepare for a Job Interview

5 Tips to Prepare for a Job Interview A good interview can mean the difference between a new job and more months on the unemployment line. There’s one rule when it comes to the contemporary job hunt: you can never be too prepared. Let’s take a closer look at why interviews are so important and what you can do to ace your next interview. Know the JobJob postings are carefully crafted to convey a message to potential job applicants. Have you thoroughly reviewed and analyzed the job posting? Doing so can give you valuable insights into what a company is looking for to fill a particular vacancy with the right candidate.Rather than playing it by ear, be proactive. Take time to match up your own qualifications - including skills, knowledge, experience and character traits - against the job description. The more matches you make, the more closely your candidacy will align with a prospective employer’s expectations. Review this list before the interview to optimize your chances of impressing when job-speci fic questions arise.Know the CompanyThe internet has opened up a whole new world to job seekers. There’s no â€Å"flying blind† when it comes to selling yourself to a company you don’t know. A breadth and depth of information - from logical strategies to corporate culture - is readily available via web pages and social media. Researching the company doesn’t just help you be more prepared to answer any question that come your way; it also indicates initiative and interest to employers.This is also an opportunity to use social networking sites to your advantage. Do any of your friends or contacts have a relationship with a prospective employer? If so, they become a potentially valuable source of information.And be sure to evaluate your own social networking accounts, and clean up, if necessary. The best interview in the world won’t overcome an inappropriate Facebook photo.Demonstrating knowledge of the market in addition to the prospective company also contributes to your ability to make a winning impression. Are there any interesting industry trends happening right now? How is the company positioned within the current market? Today’s employers aren’t just looking for the â€Å"yes men† of days past. Rather, they’re looking for progressive-minded leaders who will forge the path to innovation.Practice Makes PerfectThe more confident you are in your ability to answer questions, the more positively you’ll represent yourself to prospective employers. Enlist the help of a family member or friend in advance to practice with you. While it may seem silly, it will lay the groundwork for a successful and in-control interview. Make sure to review these 6 hardest interview questions and be ready to tackle these questions with thoughtful answers that will help you land the job.In addition to practicing answering questions, make sure to have plenty of questions of your own. Ultimately, the interview is as much an opportunity for you to get to know a prospective employer as it is for a prospective employer to get to know you.The Clothes Make the Man/WomanFor better or for worse, we live in a world where material things matter. Choose a professional interview outfit and have it ready at all times. Business attire is essential for interviews with professional organizations. More casual environments may require less formal clothing, but the commitment to a neat appearance and personal grooming remains.Etiquette MattersYou’re not just being judged on what you say during an interview. You’re also being judged on what you do. Maintain a polite and pleasant demeanor with everyone you meet - from your fellow elevator resident to the receptionist.Body language plays an increasingly important role with employers: sit upright, maintain eye contact, and pay attention.Demonstrating the ability to listen during an interview is just as important as answering questions. The best inter views include both give and take: they’re a discourse as opposed to a stilted series of questions and answers. The more engaged you are in the conversation, the more engaged a hiring manager will be by you.Taking time to prepare for an interview can be time-consuming, but the potential payoffs are well worth the work. After all, one of the best investments you can make is a well-prepared interview that results in the job of your dreams.

Religion Does More Harm Than Good Essay Example | Topics and Well Written Essays - 1000 words

Religion Does More Harm Than Good - Essay Example I will also introduce my colleagues in the affirmative team that includes Hamad, who will come to discuss the impact of religion on politics of today as he tries to prove the point that religion has indeed negatively affected the political situation of the 21st century as it had done throughout history. My other colleague Rubby will be seeking to address the various situations in which religion has failed to honor its original intention of standing up for the people by trying to prevent some of the historical crimes that happened under the watchful eyes of religion. He will reveal to you that by failing to speak against some of those crimes in the society, religion was indeed supporting them thus contributing to harmful effects in the society in general. I will begin my submission by attempting to define each word of utmost importance in the motion so that we fully understand what we are dealing with. To begin with, religion can be described as an organized system of beliefs, world v iews and cultural systems that revolve around spirituality and the supernatural realm (Kant, Immanuel 2001). There are various religions around the world including Christianity, Islam, Judaism and Buddhism to mention but a few. Most religions have their own symbols, narratives and sacred historical events that aim at explaining the universe and life (Russell T. McCutcheon. 2001). By causing more harm than good in the society we mean that religion has led to more negativity in the society than positivity. The concept of religion has failed to live up to its intended objective of promoting good in the society and has become synonymous with negative and harmful issues in the society. With that being said, allow me ladies and gentlemen to proceed to my arguments in support of the motion that religion does more harm than good. Arguments First and foremost, the biggest source of disharmony among married couples is how most religions handle the question of divorce. In the contemporary soci ety we live in, divorce has become one of the best solutions of marriage conflicts, if it is handled well through a legal process. Most religions however are totally opposed to the concept divorce and cannot allow their members and followers to go through divorce. This has led to most religious people living miserable lives full of conflicts including domestic violence due to the fear of separation and divorce since as religion teaches, is against the will of God. Some of the biggest religions preach that marriage should stay together until death takes away one of the couples, and that no man can separate what has been joined together by God. Such doctrines hold no place in the contemporary society since the need of individuals and the institution of marriage itself has totally changed from what it was before. Whenever couples feel they have irreconcilable differences, the y have no other options than to divorce and share responsibilities, if any. This is a legal right most religion s deny their followers. The second most important argument is the disagreements and marriage conflicts brought about as a result of interfaith marriages. When people fall in love, it does not matter which faith they belong to. Love knows no boundaries, as they say. However, these religious differences often come in to play when two love birds come together to form a marriage union. The battles of supremacy over which faith or religion should preside over the marriage ceremony, or even which religion should the family and the children, if any, allowed to follow. Such

What are the main differences between contract and tort Essay

What are the main differences between contract and tort - Essay Example A contract can be in verbal or written form but the most important thing is that there would be an agreement especially between two parties. On the other hand, a tort law can be described as a civil wrong not arising from a contract and in the case of negligence, one should owe due consideration to one’s neighbour (Capiro Industries vs. Dickman 1990). According to the European labour laws, both the worker and the employee are bound by certain statutory regulations that would ensure that no party will breach the agreed contract. With regards to employment contracts, there ought to be written agreement which binds the two parties to honour their contractual obligations which can be enforceable in the court of law should one party defaults. Thus, as noted, a contract can be loosely defined as an agreement between two parties and these can be individuals or even organisations. One peculiar aspect of a contract is that one party offers to do In a contract, there is an agreement of offer and acceptance between two parties concerned and should any party defaults, then it is called breach of contract. It is against this background that the court of law intervenes to ensure that justice prevails so as to avoid unfavorable gain by another party on behalf of the other. Basically, the court would come in so as to protect the interests of the consumer or the second party especially in the case where there is bargaining of powers. Consumers in most cases are not choosers of the terms by which they would be bound in a contract hence the intervention of the courts. Thus, it can be noted that contracts are especially concerned with the enforcement of bargains. This is aptly shown in the case of Williams v Roffey Bros & Nicholls Contractors Ltd [1990] 1 All ER 512. Whilst Williams has been subcontracted and a payment of 20 000 pounds promised to be paid in installments, the contract was however silent on the period and