Interest in “smart beta”, or “strategic beta,” has grown rapidly in popularity over the past decade. This interest has led fund companies to introduce hundreds of smart beta funds, giving investors a wide range of options for integrating the smart beta concept into their portfolios. As with any investment, though, investors should have an understanding of what smart beta is and how it works before determining if smart beta can help them achieve their investments goals.
Smart beta is based on the more comprehensive factor investment strategy, which has its roots in the discovery of various attributes, or factors, of stocks that help explain their returns. The first factor identified was the well known CAPM Beta. Developed by Willian Sharpe in the 1960s, CAPM is an equation that calculates the expected return of an equity based on a measure of risk called Beta.
Re = βe x ( Rm – Rf ) + Rf
Re is the expected return of the stock in question
Β is the Beta of the stock in question
Rm is the return of the market
Rf is the risk free rate of return
In CAPM, the higher the Beta, the greater the return of the security. And since Beta is a measure of the risk of a security compared to the risk of the market as a whole, CAPM can be distilled to “higher risk, higher return.” The first factor, then, is risk as measured by Beta.
A number of other factors have since been identified. In the 1990s, Eugene Fama and Kenneth French developed the Fama-French Three Factor Model. This model identified value and size as new factors along with Sharpe’s Beta and was the result of research which showed that small companies (size factor) and companies with lower valuations compared to those of their peers (value) tended to outperform over time. Other asset pricing models using these and newer factors, such as the momentum and quality factors, have been developed since then.
There are now hundreds of funds that target these factors. Most will target one individual factor, but other may take a multi-factor approach. They all allow investors to target specific segments of the market which have outperformed historically without investing in expensive, actively managed funds. This is not to say that investors should just blindly invest in smart beta funds. Investors should do their research to understand the risks involved and should be mindful of their investment goals before adding these funds to their portfolios.
With the rapid growth of the smart beta segment, it is easy to find differences in factor definitions between funds. For instance, some funds may have a higher valuation threshold for size than others, so two size targeted funds may have different makeups, even if the stock universe that they pull from is the same. Sometimes terms can be different between funds, with momentum occasionally called “trend,” and “quality” and “profitability” being interchangeable in some cases, but not in others. In addition, newer, less well-known factors may have much less research behind, them and some of the more established factors may have actually underperformed in recent periods. Understanding exactly what you are investing in is as important as ever with smart beta funds. Take the time to know both the factor and its history and how the fund uses that factor before making an investment.
Smart beta funds are generally considered passively managed funds, but while index-based fund holdings are according to market weight, smart beta funds are a bit more complex. Weighting is done to target factors, and some funds will use screens to filter out more than just their factors screens would allow. Each fund develops its own set of rules to determine how to best target a certain factor. Comparing smart beta funds to a benchmark can be difficult as well, as they tend to pull from all areas of the market when targeting a specific factor. Performance will likely vary widely from common market benchmarks such as the S&P 500.
Diversification can also be an issue when investing in smart beta funds. Despite data showing long term outperformance, individual factors can go though years long periods of underperformance. Targeting just one factor in a portfolio can decrease diversification, increasing risk unnecessarily and adversely affect returns if that factor’s performance falters. In addition, targeting some factors can leave you overexposed to certain market segments. The low volatility factor, for instance, can overweight the utility sector. If you’re already invested in that sector through other strategies, targeting the low volatility factor can increase risk in your portfolio.
As with asset class strategies, returns from smart beta tends to be driven by returns from a few well performing companies. Its important to ensure that your smart beta investments are well diversified within an asset class as well as across asset classes to avoid missing out on returns from that handful of companies.
Don’t forget to pay attention to the cost of your investment. Because smart beta focuses on easily definable metrics, smart beta funds are generally fairly inexpensive, but they are not as cheap as index funds. Furthermore, turnover in a smart beta fund may be higher, especially with a shorter-term factor such as momentum. Higher expenses can quickly eat up any outsized returns a fund generates, so it is critical to be aware of how much these funds cost to invest in.
Finally, don’t lose sight of your investment goals. When a hot new strategy comes along, its easy to be tempted to go all in chasing returns and expose your portfolio to unnecessary risk and expense. Take the time to evaluate the smart beta strategy and understand how integrating it into your portfolio will align with your financial plan and help you achieve your investment objectives.
Brochure Design 101: 8 Simple Ways to Make An Effective Brochure
Whether it’s for simple business promotion or to announce the launch of a new product, effective brochure design plays an important role in projecting the identity of the company/product. An effective brochure should be able to catch people’s attention and make them stop to read what you have written. It helps if it looks good, but apart from being aesthetically appealing, it should also do its job well – inform.
If designed improperly, even the best idea can fail miserably because no one reads anymore. Here are 8 ways how you can make sure that your brochure design doesn’t suck:
1. Good Brochure Design Uses Legible Fonts
This means that it shouldn’t be too tiny or difficult to read. Your audience shouldn’t need to squint their eyes and get a magnifying glass just to see what you’re trying to say. And the font should also not be too big such that your brochure looks like an eye chart. The text should be in between these two extremes, easy to read but not boringly small. Here are some basic hints:
Note: Size matters – Aim for 10-12 point type size at least and even bigger for titles and headings if possible because they grab attention and add value to the visual impact. Headings help break up the text into digestible chunks.
2. Your Company Brochure Should Have Few Fonts
Be stingy with your font collection especially if you’re a beginner designer because using more than 2-3 different types could make your design look messy and thrown together without any real design consideration or planning. Stick to one main typeface (serif or sans serif) for body text and perhaps another complementary typeface for headings.
3. Use Your Company Logo on Every Page of Your Product Brochure
Wherever your logo appears, it should be visible enough for people to recognize at least 2 feet away from their face. So make sure you use big and bold logos as well as those which stand out from the rest of your brochure’s visuals (colorful logos work best).
It doesn’t matter what color or size your logo is as long as it captures attention and adds value to the overall design of your brochure. Plus, using the same logo on every page makes it look like an official company publication which improves brand recognition and memorability.
4. Mix Up Typography Carefully
Typography is the art of arranging typefaces, especially for design purposes. Designing with fonts means that you’re making them work together to achieve a certain goal – visually appealing results (or at least your intention).
If you stick to one font alone, everything will look monotonous (and boring) because there’s no variety in styles or sizes. Using different colors on each page can make things more interesting but only if you do it right! You need to learn what works best with what first before doing this otherwise it’ll be like throwing spaghetti on the wall and seeing what sticks.
Don’t have fonts? Then go to Venngage! The prime brochure and flyer maker in the market today!
5. Use Subheads to Break Up the Text in Your Digital Brochure
Too much text can make any brochure look like a school textbook (boring!) so you need to break up the text into smaller chunks which should ideally be no longer than three lines.
This helps people scan your brochure faster because they’ll know exactly where each section starts and ends, giving them an idea of what interests them before they decide whether to read on or move on. Just remember to use contrasting colors (different from your main font color) for subheads because that’s how they stand out best, otherwise, everything will just blend in together into one big blob of design mess.
6. Use Page Borders Sparingly
Page borders can be used to make your brochure design look pretty but it is easy to overdo this. Like most aesthetic effects, page borders can add or take away from a brochure’s visual appeal so use them with care and discretion because too many borders look messy and unfinished rather than good.
Less is more when it comes to embellishments if you want your audience reading your content instead of staring at another piece of art. Unless that’s the goal then go ahead!
7. Use One Theme for Your Entire Online Brochure
Even if you’re just designing a simple one-page flyer, you still need to have the main theme – an overall purpose that ties all the elements together into one cohesive unit. This makes it easier for people to figure out the purpose of your brochure right away, making them want to read on without scrolling through unnecessary information.
A unifying theme can be anything – it could be the use of color or your company logo, depending on what you choose for your design’s focal point.
8. Ensure Readability by Maximizing Spacing
Brochures are meant to be read so always keep this in mind when designing yours otherwise no one will bother trying because they’ll find it visually exhausting. Layout matters too because certain layouts don’t accommodate text very well at all (lots of tiny words crammed together is not good).
Make sure that there’s enough visual breathing room between each line, between paragraphs, and even between pages. It may make your brochure design seem a little less “busy” but that’s a good thing because it makes reading easier on the eyes.
There you go, simple ways to make an effective brochure. Do this and you are going to reap the benefits of an effective marketing tool!
How to Avoid Losing Your House Keys
The feeling of reaching into your pocket for your house keys and finding them gone is a terrible one. You can take steps to avoid losing your house keys and experiencing that.
Purchase a Key Cover:
One of the best ways of keeping track of your house key is by making it unique. Recognizing the key right when you see it is important, and you can purchase a key cover that will help the key stand out. Invest in something colorful that will help you spot your key if you drop it on the ground and recognize it when it is mixed in with other keys.
Always Stick Your Keys Away in the Same Place:
When on the go, it can be helpful to always put your house keys in the same pocket of your pants or the same part of your purse. When you get in the habit of putting them in a certain place, that will be the first place you go to look for them when you can’t find them.
Treat Your Keys as the Valuable Item that They Are:
A small key might not seem important to you compared to some of the other items that you own, but losing a key can mess up a day and lead to security issues. Treat your keys as the valuable items that they are and be careful with them. Treat the keys as you would a special coin or piece of jewelry.
Use a Good Keychain or a Lanyard:
Everyone has different tastes when it comes to keychains and lanyards and different things that work best for them. You should find a keychain that is a good size for stashing away in the spot where you like to keep your keys, avoiding anything that is too bulky and inconvenient. Consider lanyards, as well, and the way that they keep your keys on your body and readily available.
Consider Bluetooth Tools that Help You Track Your Keys:
There are tools that you can find today that help you track your keys when you don’t know where they are. You can find an affordable Bluetooth tool that you can attach to your house keys so that you can use your phone to find them if you lose them.
Keep Extra Keys and a Locksmith’s Number Handy:
Even if you are careful, you can still lose your keys. It can be helpful to have an extra set stored somewhere where you can get to them if you do lose the keys, and it is also good to know of an emergency locksmith who can help you get into your home if you cannot find a single set of your keys.
You don’t want to give a stranger access to your house by losing your keys somewhere, and you don’t want to be stuck outside your home because you cannot find a key to get the door open. Be careful with your keys to avoid losing them and getting into a bad situation.
5 Benefits Of Using Lithium Ion Battery And It’s Price
With the rise in popularity towards creating a sustainable environment, lithium-ion batteries have become the most popular type of rechargeable battery for consumer electronics. Besides popularity, they have become an ideal solution for renewable energy storage for major businesses. What’s so special about them? What is driving their immense popularity these days? Well, the answer lies in the lithium-ion battery’s chemistry.
Its chemistry is superior to other lead batteries. Lithium-ion batteries have advantages, like low maintenance, high energy density, versatility, longevity and performance. From flashlights to cars, lithium-ion batteries are used for a large variety of products. Do these points alone make lithium-ion batteries superior?
How can we forget about the lithium ion battery price? Though the lithium ion battery price is comparatively higher, it offers a much better price over the entire product life. Besides, researchers and manufacturers are constantly trying to bring down the price of lithium ion battery.
Super long life and no maintenance make it a smart choice and a worthwhile investment.
Have we forgotten about the efficiency and lifespan of lithium-ion batteries? Absolutely not! Compared to lead batteries, lithium-ion batteries offer significant advantages, such as efficiency and longer lifespan, including improved discharge and the ability to deep cycle while maintaining power.
Fascinated? Want to learn more about lithium ion battery price and the many benefits of these batteries? Waste no more time and dive in.
Why are industries driving towards lithium-ion batteries?
As said above, lithium-ion batteries offer advantages like high energy density, low maintenance, longevity, versatility and performance. These factors contribute significantly to making industries use them. How? Here’s a quick explanation:
- Low Maintenance
When using lithium-ion batteries, follow the rule of thumb – plug, play, charge. that’s all! Unlike nickel-based batteries, lithium-ion batteries require relatively little maintenance. It has low maintenance costs and does not require a priming device. There is no memory effect, so even after repeated charging and discharging, it will not work even if the capacity is low.
To support the idea of creating a better and clean future, lithium-ion batteries make an ideal source of renewable energy solutions in many products, such as electric cars, electronic devices, high-power appliances, and many more.
- Longevity and Performance
They can deliver three times higher capacity, up to 3.6 volts, than nickel batteries. Additionally, they have a longer shelf life This is due to its slow self-discharge rate of about 1.5-2% per month.
- High Energy Density
Li-ion batteries offer the highest energy density, around 100-265 Wh/kg, in the rechargeable battery market. That makes them more powerful than any other battery available. Moreover, this factor makes people choose Li-ion batteries for longer battery life.
- Miscellaneous Benefits Of Using Lithium-Ion Batteries
Out of the plethora of benefits of using lithium-ion batteries, here are a few of them that contribute majorly towards making them a worthwhile investment:
- Lightweight: They are 50-60% less in weight than their lead-acid counterparts. Why would anyone carry heavy lead batteries when they can get lightweight ones with more unique features?
- Safety: They are made carefully with inherently safer chemistry. You can trust the affordable and reliable battery management systems that provide extra protection for lithium-ion batteries.
- Drop-in replacement: There’s no need to worry about replacement if the battery gets damaged. The battery is available in standard industry sizes that can serve the purpose depending upon the requirement.
- Constant power: What do you want when you think of installing an electrical appliance? Is it the constant power without any voltage drop? If yes, adopt lithium-ion batteries as their voltage doesn’t drop like lead-acid batteries.
- Temperature tolerant: These batteries are harmlessly operable up to 65 degrees Celsius and are 2.5 times more efficient at lower temperatures.
- Fast and safe charging: These batteries offer highly efficient charging, which can fully charge in 1-3 hours. Moreover, they have in-built overcharge protection that protects them from being exploded if left overnight for charging.
- More charge cycles: Quality Li-ion batteries last more than 1000 charge cycles. When the battery is discharged and then charged fully, Li-ion batteries do not degrade over time if this repetition of charge-discharge is constantly being done.
- Low self-discharge rate: FYI, self-discharge is an irreversible, natural process for batteries, where the chemicals undergoing reactions reduce the capacity even when the battery is not being used. Unlike the lithium ion battery price, the self-discharge rate of these batteries is low, which peaks at about 5% within the first 24 hours after charging the battery and then tapers off to 1-2% every month.
- Non-hazardous: No gases or chemicals are released into the environment using Li-ion batteries.
- PSOC tolerant: There’s no damage from the partial state of charge operation or storage while using lithium-ion batteries.
Lithium Ion Battery Price
In India, the lithium ion battery price ranges from ₹ 2250 to ₹1.5 lakhs. The high price of these batteries is because they offer a longer shelf life compared to other available options in the market. Various companies are working on reducing the lithium ion battery price by implementing advanced technologies. How successful they’re going to be is a matter of time!
To Wrap Up
Because lithium-ion batteries are quick to charge, consume less space, are lightweight and compact, provide life cycles 1500 @ 95 amperes, have a low C-rating and don’t require priming, they have become the soul of making the environment eco-friendly and sustainable. Besides, the lithium ion battery price is coming down too.
If you want to invest in batteries or any product made with batteries, go with the lithium-ion ones. They are the most promising solutions due to their low decay and optimal charging. What else? They can prove a good one-time investment because of their cost-to-energy ratio. So, when are you switching to lithium-ion batteries? The time is now!
Why CPG brands are using QR codes?
The Consumer Packaged Goods (CPG) market has witnessed a significant spike in recent years and with growing demand comes increased consumer concerns. People are becoming more aware and nit-pickier about the goods they buy. They intend to know the manufacturing details, and ingredient list before dropping a product in their basket.
Catering to the customer’s needs has become the ultimate priority. The CPG brands are striving to be more transparent and are working towards providing in-depth information about the products for the consumer’s assurance. However, the product packages barely have enough surface area to provide all the relevant information to gain customers’ satisfaction.
This is where the QR code generator for consumer packaged goods comes into the picture. In an effort to collect contact information, educate consumers, and measure the success of their products in-store, QR codes can be leveraged with tremendous success.
QR codes are a beneficial tool to build consumer trust, enhance brand reputation, attain transparency, and encourage sustaining brand loyalty.
Here are five reasons why CPG brands are using QR codes-
1. Gives additional information about the product
Products with QR codes contain comprehensive details, making the consumer’s experience wholesome. QR codes on food packaging, for example, can have everything from nutritional facts and exciting recipes to bonuses and suggestions.
Website URLs, phone numbers, and up to 4,000 characters of text can all be stored in a QR code. Here are a few other ways to use QR codes:
- Ask for reviews & feedbacks via QR codes
- Create digital business cards by adding QR codes to your Business cards
- Add QR codes on marketing materials to boost your product promotions
QR code for product information helps you stand out from your competitors and positions you as the authority in the market and gain customer trust and loyalty.
2. Increases your social media presence
There are various kinds of QR codes. Some take you to a new world of recipes, and some to your socials. Social QR codes effectively promote your product and create a loyal community around your brand. QR is an effective way to encourage your customers to connect with you on all digital platforms.
With the scan feature, you can assure that your customers reach the correct social handle and do not have to type in to locate you online. Giving them a list of your social media pages lets consumers choose their favourite way to connect with your business digitally.
When you are not out of sight, you will always be on their minds.
Use of QR codes in your marketing campaigns is a powerful strategy if you’re trying to expand your social media presence. It has several advantages and can be carried out in a variety of ways.
When QR codes are used to complement social media marketing, they can:
- Increase engagement
- Create awareness
- Differentiate you from competitors
3. Builds trust and transparency
Needless to say, consumers are now educated, aware and demanding. They need validation about the authenticity and the safety of the products they purchase.
According to a research conducted by Label Insight, 94% of people expect absolute transparency from the manufacturers.
For instance, with the use of QR codes, a food & beverage based CPG brand can tackle burning questions like –
- Is it safe for my family and me?
- Are the ingredients organic?
- Do they have parabens and preservatives?
- Does it contain artificial sugars?
- What are the different ways in which I can use this product?
- Where was this manufactured?
Transparency is the key to boosting customer trust and brand loyalty. The use of QR codes to tell a story, provide the history of your company, describe your product origin, or even track product deliveries are all innovative ways to provide the customer with the information they need to trust the company’s process before investing in their products.
Information about the production process, the materials used, the working conditions offered to the employees and how sustainable the production process is allows the customer to connect with the brand and create a deeper level of trust with it.
4. Improve sales
Who doesn’t love offers and discounts?
Coupon QR codes allow you to advertise limited offers and deals on your products. The scan can include all the essential information about the offer, like its expiration date, the terms and conditions and benefits. These QR codes can be saved and stored in the customer’s smartphones until they are all set to redeem them, thus boosting your sales.
Due to the substantial growth in shopping via QR code marketing and the increasing adoption rate of QRs across the globe in the last year alone by 37%. This made several established brands like Rockport, Dominos and Starbucks come up with new and innovative ideas to use QR codes to boost revenue and sales.
5. Helps you leverage the video advertisements
Videos are in trend now, and their demand has been ever increasing. Video marketing increases customer engagement, educates your target audience and reaches them through a different digital medium.
A simple Video QR code on banners and posters can take your customers directly to your advertisement video. This process helps in grabbing your customer’s attention, and most of the time, they end up buying more!
QR code generators for CPG brands can prove to be an effective tool if used smartly. QR codes can significantly increase your sales and establish a better experience for your customers. Moreover, taking everything online into the web world has become a necessity to stay in demand and relevant in the market. It is the easiest, quickest and most efficient way of expanding your user base.
How Trustworthy is ZipRecruiter?
ZipRecruiter is an online job site that is geared towards matching job seekers with companies looking to hire people. The site allows you to post jobs and searches for free, but there are some drawbacks. For one, the site does not filter spam, so you should be wary of job ads that look too good to be true. In addition, you should be wary of outdated listings and scams.
People use ZipRecruiter job posting feature which is user-friendly interface and efficient job posting tools. They also appreciate the resume search filters and the smart candidate matching technology. However, some people complain that the site’s results are inaccurate or do not match their hiring requirements. There is also a large time span between posting jobs and finding qualified candidates.
ZipRecruiter also provides a variety of features for its enterprise users. Its enterprise version offers AI-based technology to match vacancies with suitable candidates. It also offers a dashboard that makes it easy to manage applications. In addition to this, the platform also lets you add screening questions to your job ads.
Useful For Job Seekers
ZipRecruiter is a useful resource for job seekers, as it allows you to browse job postings and view salary data. You can also apply to jobs in a single click and receive notifications on the status of your application. It has millions of jobs posted, and it also allows you to manage all of your applications in one place. It is important to consider ZipRecruiter’s features before making a decision on whether or not to use it.
ZipRecruiter is a popular job search website, and is trusted by over two million businesses and job seekers. The company has a simple user interface and many useful tools, including an online resume builder. It claims to match 80% of candidates with companies within the first day. While some users report negative experiences with the service, the platform is generally a safe bet for job seekers. For those interested in trying out the service, there’s a free trial that will last for four days.
So, how much does ziprecruiter cost? ZipRecruiter charges employers for its job posting services, although it doesn’t state exactly how much these subscriptions cost. The premium version offers 25 resume database downloads per month and extra user seats. Moreover, it includes trafficBoost ™ for hard-to-fill or urgent job listings.
The basic plan allows businesses to post jobs in competitive and non-competitive markets. Premium packages include more complicated features and increase the quality and quantity of candidates. The Basic plan is best for small businesses, while a Premium subscription is better for companies with multiple employees. In addition, the premium tier provides access to a database of active resumes.
If you’re not satisfied with the service, you can cancel it anytime. ZipRecruiter offers a free trial, but once you’ve signed up, you’ll be billed for the paid subscription. You can even cancel the trial by logging in to your account. The trial period lasts four days. After that, your subscription will automatically be charged. However, you can always cancel it later to avoid any future charges.
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