How ELSS should be chosen to complement existing portfolio

Usually, we all look for investment opportunities that can help us build an adequate sum of wealth, get regular returns, and/or save taxes. There could be several investment schemes in the market to save your taxes, but ELSS i.e. Equity linked saving schemes is a one – stop solution for all your tax saving and wealth creation needs. Usually 80 % of asset allocation needs to be in equity funds. ELSS SIP is also an easy option for investing where the minimum investment amount is Rs 500.

ELSS funds are also called tax saving schemes as they offer tax exemption of up to Rs. 150,000 from your annual taxable income under Section 80C of the Income Tax Act and comes with a three-year lock-in during which they cannot be redeemed or switched. Among other tax saving instruments, ELSS is the scheme with the shortest lock-in.

Six Key factors To Consider While Choosing ELSS Fund

Portfolio composition

A major portion of ELSS funds are equity funds that invest their major chunk into diversified equity or equity-related instruments. The Fund manager has the flexibility to allocate the stocks as per his calculations, research basis of the market conditions, objective of the fund, and his own risk-taking capability to achieve that objective (i.e. Large Cap / Mid Cap).

You can review what is the portfolio composition of the fund based on market cap and stability of its investment patterns. Prefer to choose the funds that have steady investment pattern and that stay true to its label. Choose quality of companies invested in while assessing the ELSS schemes. Evaluate the stocks concentration in the portfolio and percentage of top five stocks in the portfolio. Thoroughly check all allocation made to large cap / mid cap / small cap companies in the ELSS tax -saving schemes.

Risk Involved and Expected Returns
ELSS is an Equity Linked Scheme and it requires you to identify your risk appetite.

Risk and returns on investments are interlinked. One must ensure to check the risk and returns involved while choosing ELSS funds. Some Mutual Funds could be giving higher returns but risk involved also could be equally high. Therefore, the key to decide your risk appetite while assessing a suitable fund for you. Risk involved can also be calculated from ratios like Sharpe Ratio which is a measure of risk-adjusted return.

Return Expectation of the ELSS Funds
While selecting the ELSS mutual fund, it does not make sense to chase returns. Last one-year’s performer may not be consistent next year. Hence, investor must review the trend of the fund in respect of rate of returns delivered. Also, one should consider the rate of return as well as the consistency with which those returns are delivered. Select the scheme based on your preference with the portfolio style and strategy. Make sure to analyze the records of the fund for a period exceeding 5 years. This is an ideal duration, as the fund goes through multiple cycles of ups and downs in the market. This helps the investor to track the past performance of the particular scheme.

Expense Ratio of ELSS Funds
Investor should choose the fund with low or moderate expense ratio along with the higher rate of returns.

Fund Manager’s performance
Fund House
Examine whether the fund manager is able to deliver consistency of performance across market cycles
Check fund manager’s profile and his/her record not just in this fund but other funds he/she manages
This is an important factor to select the Tax- Saving fund. Investor must consider the asset management company’s investment philosophy, do a deep background check of its financial stability and company policy before investing

In order to understand how to allocate to ELSS funds, compare ELSS to the other equity funds held, so that there is no duplication in style and portfolio composition.

Self-Pleasuring Clubs: A Firm Male Organ Adventure

A man with a firm male organ and no partner nearby is very likely to end up engaging in a bit of self-gratification, a thoroughly enjoyable activity that is usually quite satisfying. Yet sometimes a man may be a bit put off by the “solo-ness” of self-stimulation and may therefore enjoy exploring self-pleasuring clubs as an option. The shared experience of self-pleasuring clubs can be very stimulating. Of course, with one’s firm male organ on display, a guy needs to practice good male organ care to keep his organ looking its best. But what else does a man need to know about self-pleasuring clubs?

Pick the right type.

The first thing a man needs to do is decide what type of solo-sensual experience he is looking for. Does he want to recreate the “circle jerk” experiences of his youth and simply be around other men who are fondling? Or is he more interested in a mixed experience, in which he can be excited by the sight of women self-stimulating as well? This will determine if he chooses a males-only or mixed gender club.

Male-only clubs are typically called jack-off clubs; those which encourage participation from both genders are often known as jack-and-jill clubs. (There are, of course, female-only clubs, but men are by definition not welcome in those.)

It may seem that straight men would be interested only in mixed gender clubs, but that’s not necessarily the case. Some men may feel uncomfortable self-gratifying in front of women and may feel more at ease bonding through a solo-sensual experience at a males-only club.

Follow the rules.

Straight men interested in a males-only situation but worried about activities beyond self-pleasuring should know that clubs have rules. These rules usually define what activities are allowed and what are not. Each club will have its own set of standards, but the following are those found at most typical self-pleasuring clubs.

Self-pleasuring only. Although a self-pleasuring club is by definition an environment in which there is sensual excitement, most emphasize that the only form of sensual activity allowed is self-gratification. One may be tempted to engage in or ask for oral stimulation or female organ or posterior penetration, but in most clubs this is not allowed. (If a person wants to ask a willing partner to their own home for these activities, that is a different story.)

What about touching or being touched by another person? Some clubs are fine with it, some have a “hands only on yourself” policy. However, whatever the policy, it’s important that such activity occurs only between two willing participants. No person should be touched (or kissed, etc.) without his/her consent.

Keeps your clothes off. Again, this policy can vary, but most clubs require participants to doff their clothing before entering the main action area. (Often shoes or socks are allowed.) This is so participants don’t feel self-conscious. A person may observe and not self-stimulate, but if doing so causes a person to feel self-conscious, he or she should move on.

Keep it clean. Hygiene is important, so men are responsible for cleaning up any male seed they spray upon the premises.

Consideration is key. Being unclothed in front of other people can be a huge thrill – or it can be a challenge. Be mindful that all different body types will be on display and avoid being rude or judgmental about those with body types not consistent with one’s taste. Also, be aware that privacy is often an issue. If a man sees someone he knows at a club, be aware that that other person may not want to be acknowledged.

Self-pleasuring clubs allow a firm male organ to engage in its favorite activity in a new setting. Men should ensure that their equipment is at its healthiest by using a quality male organ health crème (health professionals recommend Man1 Man Oil). Make sure dry skin is not an issue by using a crème that includes both a natural hydrator (like vitamin E) and a high-end emollient (like Shea butter). And a crème with a powerful antioxidant like alpha lipoic acid can help to offset harmful oxidative processes that can leave the member looking wrinkled and aged. If it’s going to be on display, make it something to see.

Visit http://www.menshealthfirst.com for additional information on most common manhood health issues, tips on improving member sensitivity and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

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