Grow log in

Beginners Guide to Mutual Funds

Term Description
80C Section under Income Tax Act that defines exemptions for income tax.
AMC Short form for Asset Management Company – the company that runs a mutual fund. Examples are HDFC Mutual Fund, ICICI Prudential Mutual Fund.
Annualised Returns Returns you would make if investments were made for one year. If you invest for less than a year or more than a year, they are aggregated to one year.
Arbitrage Funds Arbitrage Funds are special types of mutual funds that invest in equity securities but at the same time take an equal and opposite position in derivatives of these equity securities. These funds effectively give returns similar to liquid funds and risk is also similar. Also, these funds are taxed like equity funds and hence Zero tax post 1 year.
Asset Allocation Funds Process of allocating your funds across different assets. Assets are things like equity, debt or gold. We can further classify an asset like equity into large cap, mid cap or small cap.
AUM Short form for Asset Under Management. The total fund a mutual fund scheme holds for investments.
Average Maturity Weighted average of maturity (years between today and the final payment date of a debt security, at which point the principal is due to be paid) of all debt securities held by the fund.
Balanced Funds Balanced Funds, also known as Hybrid Funds – Equity oriented invests in a mix of debt and equity.
Benchmark Something you can compare your returns against. Typical benchmarks are Sensex and Nifty. But then there are a lot of them depending on the fund you consider.
Brokerage The fees you pay to your broker for letting you buy and sell your investments.
Credit Rating All debt issued by companies or government is rated by independent rating agencies based on the capacity to pay back. Example AAA rated debt is good. BB is not good.
Crisil Crisil is a rating agency that rates mutual funds and debts issued by companies.
Debt Funds Debt funds are mutual funds investing in debt instruments.
Direct Funds Type of funds you do not buy from distributors. They are bought directly from AMCs.
Dividend Schemes Mutual fund schemes that provide regular dividends to its investors instead of putting the profits back in the equity or debt.
ELSS Short for Equity Linked Savings Scheme. Also known as tax saving funds – special mutual funds that are exempt from tax under section 80C.
Equity Mutual Funds Equity means stock of a company. Buying equities is same as buying stocks of a company. Equity Mutual Funds invest in stocks of public listed companies
ETF Short form for Exchange Traded Funds. ETFs are like mutual funds but traded on stock exchanges and people can buy or sell them like stocks.
Exit Load When you sell a mutual fund, exit load can be applied for certain schemes. It can be as high as 1% for some schemes.
Expense Ratio Expressed as a percentage of your investment, this is the money you pay each year to the fund house for managing your money.
Face Value Notional value of any security on which dividend, share capital, etc are calculated. Not very important to make investment decisions
Fund Manager Fund manager is a person who decides where to invest your money in the mutual fund. Performance of a mutual fund largely depends on its fund Manager
Fund of Funds A fund that invests in a portfolio of other funds. Also, knows as a multi-manager investment. Most of the global mutual funds are Fund of international funds.
Gilt Funds Gilt Funds are mutual funds that invest only in government bonds (debt). They are good for risk averse and conservative investors who wish to invest indirectly in secure government bonds.
Gold Funds Gold Funds are mutual funds that invest in various forms of gold. It can be in the form of physical gold or stocks of gold mining companies.
Growth Plan Growth plan means that any dividend that may be paid out by the stocks in the mutual fund will be reinvested for further growth.
Holdings Holdings are the contents of an investment portfolio held by a mutual fund
Index Funds An index fund is a type of mutual fund with a portfolio constructed to match or track the components of a market index.
Investment Objective This is the objective stated by the AMC for this mutual fund. AMC will operate this mutual fund in this manner only. But most of these objectives are very vague and hence doesn’t tell you much about the intent of the AMC.
KYC Know Your Customer is a mandatory requirement by SEBI for declaring identity and address proof for the purpose of investing
Large Cap Funds Large Cap is a category of equity fund that invests mostly in the companies with large market capitalization ~ 20,000 Cr or more
Launch Date Its the date on which a Mutual Fund is launched, through New Fund Offer.
Liquid Funds Liquid funds are such Mutual Funds that invest in money markets (FD etc.) with very short maturity and high credibility. Therefore these are almost zero-risk Mutual Funds
Lock-in Period This is the period of time, from the date or investment, for which the investment cannot be withdrawn. Tax saving Mutual Funds have a lock-in of 3 years.
Long Term A horizon of 5 years plus is considered to be long term in most of the discussion.
Market cap Market capitalization is the market value of the publicly traded company. It can be calculated by multiplying the number of shares with the current share price.
Mean Returns Mean returns are the arithmetic average of the returns earned by a fund over a period of time. It is also known as expected returns of the Mutual Fund
Mid Cap Funds Mid Cap is a category of equity fund that invests mostly in the mid-sized companies with market capitalization in the range 5,000 Cr to 20,000 Cr.
Min Additional Investment Min additional investment, as the name suggests, is the minimum amount of money you can invest in the fund if you already have an investment in the fund.
Min Investment Min Investment is the minimum amount of lump sum investment that the fund accepts as a first-time investment.
Money Market Fund Money market is the part of financial market where highly liquid and very short term maturities are traded
NAV Net Asset Value. It is the value per share of a mutual fund or an exchange-traded fund (ETF) on a specific date or time.
NFO New Fund Offer. A new fund offer occurs when a mutual fund is launched, allowing the firm to raise capital for purchasing securities. Investors may purchase units of a closed-end mutual fund in an NFO.
Nifty Nifty is a major stock index in India introduced by the National stock exchange. The value of Nifty is the weighted average of the value of 50 selected stocks.
Nominee Nominee is the person who receives the benefit in case of death of the concerned person.
PAN Permanent Account Number is a 10 character alpha-numeric code issued by Income Tax department. PAN is mandatory for doing any financial transactions in India.
Portfolio For an individual, a portfolio is a collection of financial investments held by the person. For a Mutual Fund, a portfolio is the current holdings of the fund in various financial securities.
PSU Public Sector Undertaking is state or union government-owned corporates.
Rating Rating is the score given to product after careful evaluation or assessment of securities based on multiple factors.
Redeem Redeem means to withdraw the invested money by selling the mutual funds
Redemption Redemption is an act of withdrawing invested money in a mutual fund
Regular Funds Regular funds are the funds bought through an intermediary like advisor, broker or a distributor
Returns Return is a profit or loss on an investment. It is basically the change in value/principle amount
Risk Risk typically means uncertainty in an investment. It is the deviation from the standard or the expected value
Risk-Free Rate Risk-free rate is a theoretical rate of return on an investment with no risk. We can use SBI 3 month FD rate as a proxy for risk-free rate
RTA Registrar and Transfer Agent is agency appointed by a mutual fund to handle allocation/ redemption of mutual fund units.
Sector Allocation Split of holding of mutual funds in various sectors like Financial Services, IT, etc.
Sector Funds A fund that invests only in businesses that operate in a particular sector or industry. Because the funds belong to the same sector, such funds are not diversified.
Sensex It is an indication of an overall stock market. It essentially a figure which indicates the relative price of 30 companies weighted on free float market capitalization. Base year of Sensex is FY 1979 and the base value if 100
Sharpe Ratio Its defined as Mean Returns earned in excess of risk-free rate per unit of risk (Std Dev). It’s a measure of risk-adjusted returns. It was developed by Nobel laureate William F. Sharpe
Short Term Short-term is a period of time of less than 12 months.
SID Scheme Information Document (SID) is which provides all information about a mutual fund. It’s generally a 50+ page document explaining everything. In some cases mutual fund issue a combined SID for a whole category.
SIP Systematic Investment Plan (SIP) is a way of investing money in mutual funds at regular interval. Most famous frequency is monthly.
SIP Minimum This is minimum investment amount you need to invest every month (SIP) in this mutual fund. This is decided by mutual funds
Small Cap Funds Small cap is a category of companies that have a market cap less than Rs. 3,000 Cr. Mutual funds that primarily invest in small cap companies is categorized as Small Cap Fund.
Standard Deviation Standard Deviation (represented by the Greek letter sigma σ) is a measure that is used to quantify the amount of variation of returns from mean returns.
STP Systematic Transfer Plan (STP) is a combination of Systematic Withdrawl Plan (SWP) and Systematic Investment Plan (SIP). In this money is redeemed regularly from one fund invested in another fund at the same time. It only works in same AMC funds.
SWP Systematic Withdrawl Plan is an opposite of Systematic Investment Plan (SIP). In this money is redeemed from a fund at regular interval.
Ultra Short Term Funds Ultra Short Term are a type of Debt Mutual Funds that invest debt securities with Average Maturity of less than 1 year.
UTR Unique Transaction Reference (UTR) No. is provided by the bank when you do a NEFT or RTGS transaction.
XIRR XIRR is a modified form IRR (Internal Rate of Return) than help calculate overall returns when number transaction (Invest or Redeem) are more than two and at irregular intervals. The only way to measure the returns if you are doing a SIP or multiple transactions in a single fund is XIRR.
Suspended Fund Mutual Funds that stop taking fresh investment via both SIP or Lumpsum are considered Suspended Funds like DSP BR Micro Cap.
Units Units specify the extent of ownership one possesses in a mutual fund
Folio Folio is a grouping of financial assets such as stocks, bonds, mutual funds etc.
YTM Average interest rate to be earned by an investor at today’s market price, assuming that all debt securities (bond, loan, etc) will be held until maturity
Modified Duration It is the sensitivity of debt securities to the interest rate. If Modified Duration is 1 and interest rate increases by 1%, the value of the debt securities will reduce by 1%.
IFSC Code Short for Indian Financial Code System used to identify the particular branch of a bank for electronic funds settlement in India like NEFT and RTGS
Biller Biller is someone or something that processes bills and payments
ISIP Internet-based Systematic Investment Plan(SIP), which is a completely paperless way of setting up SIP
Stocks Stocks are ownership certificates of any company
Shares Shares are the stock certificates of any company
Bonds It is a debt instrument in which the investor lends some money to an entity which borrows the funds for a defined period of time at a variable or fixed interest rate
Open-ended Funds A type of mutual fund that does not have a limitation on a number of shares that it can issue
Closed-ended Funds It is like a mutual fund that raises a fixed amount of capital through an initial public offering and which is traded like a stock on the stock exchange
Global Funds A type of mutual fund, which invests in companies located anywhere in the world.
Min Withdrawl The required minimum distribution is the minimum amount that should be withdrawn from your account every year.
KIM Short for Key Information Memorandum which is another form of scheme information document, for the investors by mentioning the key sections of the offer document
Indexation It is a technique to adjust income payments by means of a price index, which is used to maintain the purchasing power of the investors after inflation
Income Funds Income funds are mutual funds, ETFs or any other type of fund that are used to generate an income for shareholders by investing in securities that offer dividends or interest payments
Government Securities It is a bond issued by the government authority, with repayment upon maturity
Securities A security is a financial instrument that represents some type of financial value
Floating Rate Floating rate is an interest rate that shifts up and down along the rest of the market or on the basis of an index
Equity Schemes A mutual fund that invests mainly in stocks are called equity schemes/funds
AMFI Association of Mutual Funds in India is an industry standards organization
SEBI Securities and Exchange Board of India is the regulator for securities market in India

Cannabis Grow Journals - Marijuana Grow Community


Track all the aspects of growing cannabis with style. The First Cannabis Growers community enables effortless grow reports sharing.

Made 100% anonymous & secure

Start My Diary

or Check out Diaries


Track all the aspects of growing cannabis with style. The First Cannabis Growers community enables effortless grow reports sharing.

Made 100% anonymous & secure

Start My Diary

or Check out Diaries

Compare your grow

check in with yourself & improve every cycle

compare to the community averages & Master Growers' work

show off your grow or track in stealth mode

Ask the community

help others improve & avoid mistakes

keep your audience frequently updated on your progress

you will not wait long for a practical advice from skillful Growers

Win grow gear & swag

finest Diaries have a chance to win stuff every month

so do the most active Growers

number 1 Diary of the Month will have a chance to become the Diary of the Year









Advanced Nutrients

General Hydroponics (GHE)



Fast Buds

Paper Towel


10 weeks

#CannapediaGrowersCup4th Grileon


13 comments · 47 minutes ago

12 weeks

#1 Bluedream Autoflower KRALL

Mavi Rüya

32 comments · 1 hour ago

1 week

Dark Devil Auto Radamanthislilith

Dark Devil Auto®

2 hours ago

5 weeks

Californian Snow Auto Dr_Anow

Californian Snow Auto

4 comments · 2 hours ago

4 weeks

Gorilla punch fast buds CloudBlower

Gorilla Punch Auto

1 comment · 2 hours ago

7 weeks

FBT2309 - Fast Buds test strain Nickeluring


6 comments · 4 hours ago

7 weeks

FBT2302 - Fast Buds test strain Nickeluring


7 comments · 4 hours ago

13 weeks

Autoflower Bluedream KRALL

Blue Dream

29 comments · 7 hours ago

9 weeks


Gorilla Cookies Auto

5 comments · 7 hours ago

9 weeks

Strowberry Gorilla (FAST BUDS) CURATI_DA_SOLO

Strawberry Gorilla Auto

5 comments · 7 hours ago

3 weeks

Cherry Jalbit

Cherry Cola Auto

4 comments · 10 hours ago

1 week

Rastafarian rootz Jahnkarlo1975

Sweet Gelato Auto®

1 comment · 10 hours ago

7 weeks

Stravaganza TeknoRanger


19 comments · 10 hours ago

3 weeks

Amnesia Auto bodonha

Auto Amnesia

10 hours ago

12 weeks

Mephisto-Forgotten Cookies renbuds

Forgotten Cookies

4 comments · 10 hours ago

22 weeks

Fastbuds Variety Grow Sour_D

+3 strains

231 comments · 10 hours ago

9 weeks

Girl Scout Cookies bodonha


3 comments · 11 hours ago

2 weeks

Black Jack - 1st Attempt (ever ) Greenpgh

Black Jack

12 comments · 11 hours ago

9 weeks

Gary Payton TheOriginalCraftsman

Gary Payton

4 comments · 12 hours ago

1 week


+1 strain

12 hours ago

Show more Show less

Show More

Signing in to Windows - Microsoft Support

Windows Account Help


  • Review


  • Login to Windows
  • Login options and account security
  • Log out of Windows
  • Troubleshooting login issues nine0008
  • Error: We can't log into your account

Windows hello

  • About Windows Hello
  • Sign in with Windows Hello
  • Troubleshooting Windows Hello

Password reset

  • Changing and Resetting Your Password nine0008
  • Create a password reset disk
  • Reset your local account password

Reset PIN

  • Reset PIN if signed in
  • Reset PIN if logged out

Manage accounts on a computer

  • Adding and removing accounts nine0008
  • Change your avatar
  • Switching accounts
  • Switching from a local account to a Microsoft account

Windows 11 Windows 10 More. ..Less

If you're having trouble signing in to your Windows 11 PC, try this first: Enter your password using the on-screen keyboard. To find it, select on screen lock mode "Accessibility". If that doesn't help, try the following steps to find out which account you're using.

On the Login screen, select Login Options. Select an action below based on your account type.

  • For a Microsoft account, you can reset your password. Go to the password reset page and follow the instructions.

  • If you only see the Password icon, you have a domain account (work or school) or a localized account. For a domain account, you will need the help of a system administrator.

  • For problems with Windows Hello, see this Windows Hello.

  • nine0002 Windows 11 Local Account Instructions: Reset the Windows Local Account password of the account.

  • For PIN help, see this Windows.

If you're having trouble signing in to your Windows 10 PC, try entering your password using the on-screen keyboard first. To find it, select "Ease of Access" on the lock screen. If that doesn't help, try the following steps to find out which account you're using. nine0003

  • On the Login screen, select Login Options. If you see the Microsoft account icon , you are using a Microsoft account. Choose an action below based on your account type.

  • For a Microsoft account, you can reset your password. Go to the password reset page and follow the instructions.

  • If you only see the Password icon, you have a domain account (work or school) or a localized account. For a domain account, you will need the help of a system administrator.

  • In a local Windows 10 account before version 1803, unfortunately, it was not possible to recover the lost password. To restore your computer to factory settings, follow the steps in the Reset or Reinstall Windows window. nine0003

  • To reset the password for a Windows 10 version 1803 or later local account, follow the instructions in the Windows local account.

  • For PIN help, see this Windows.

How to log in with administrator rights? nine0001

Windows 7 More...Less

An administrator can make changes that will affect other users of the computer. Administrators can change security settings, install software and hardware, make changes to other accounts, and have access to all files on the computer. To log in as an administrator, an account of type Administrator is required on the computer.

nine0002 If you are not sure if your computer is using an administrator account, check your account type after logging in. The instructions you need to follow depend on whether the computer belongs to a domain or a workgroup.

  1. Enter the username and password of your account on the welcome screen.

  2. To open user accounts, click the "Start" button, select "Control Panel", click "User Accounts", select "User Accounts" and "User Account Management". If you are required to enter an administrator password or confirm an action, enter the password or provide confirmation.0003

    The username will be highlighted and the account type will be in column "Group".

  1. Enter the username and password of your account on the welcome screen.

  2. To open user accounts, click the Start button, select Control Panel, click User Accounts and Family Safety, select User Accounts, and select Manage Another Account. If you need to enter an administrator password or confirm the action, enter a password or provide confirmation.0003

    The account type is displayed below the username.

    If your account type is Administrator , you are logged in as an administrator.

If your account type is not Administrator , you will not be able to log on as an administrator if you do not know the username and password of an administrator account on the computer.

Learn more