ಒಂದೇ ಹೂಡಿಕೆ ಉದ್ದೇಶವನ್ನು ಹೊಂದಿರುವ ಹಲವು ಹೂಡಿಕೆದಾರರು ಸಂಗ್ರಹಿಸುವ ಒಂದು ಟ್ರಸ್ಟ್ ಇದು. ನಂತರ, ಇದು ಈಕ್ವಿಟಿ, ಬಾಂಡ್ಗಳು, ಹಣದ ಮಾರ್ಕೆಟ್ ಸಲಕರಣೆಗಳು ಮತ್ತು/ಅಥವಾ ಇತರ ಸೆಕ್ಯುರಿಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ. ಪ್ರತಿ ಹೂಡಿಕೆದಾರರೂ ತಮ್ಮ ಹಣದ ಭಾಗವನ್ನು ಪ್ರತಿನಿಧಿಸುವ ಯೂನಿಟ್ಗಳನ್ನು ಹೊಂದಿರುತ್ತಾರೆ. ಈ ಸಂಚಿತ ಹೂಡಿಕೆಯಿಂದ ಪಡೆದ ಅದಾಯ/ಗಳಿಕೆಯನ್ನು ನಿರ್ದಿಷ್ಟ ವೆಚ್ಚವನ್ನು ಕಡಿತಗೊಳಿಸಿಕೊಂಡ ನಂತರ ಹೂಡಿಕೆದಾರರಲ್ಲಿ ಸಮಾನ ಪ್ರಮಾಣದಲ್ಲಿ ಹಂಚಿಕೊಳ್ಳಲಾಗುತ್ತದೆ ಮತ್ತು ಇಲ್ಲಿ ಸ್ಕೀಮ್ನ ನಿವ್ವಳ ಸ್ವತ್ತು ಮೌಲ್ಯ ಅಥವಾ ಎನ್ಎವಿ ಅನ್ನು ಲೆಕ್ಕ ಮಾಡಲಾಗಿರುತ್ತದೆ.
ಸರಳವಾಗಿ ಹೇಳುವುದಾದರೆ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳು ಜನಸಾಮಾನ್ಯರಿಗೆ ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಆಯ್ಕೆಯಾಗಿವೆ. ಇದು ವೈವಿಧ್ಯಮಯ, ವೈಯಕ್ತಿಕವಾಗಿ ನಿರ್ವಹಿಸಿದ ಸೆಕ್ಯುರಿಟಿಗಳ ಬಾಸ್ಕೆಟ್ನಲ್ಲಿ ಅತಿ ಕಡಿಮೆ ವೆಚ್ಚದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ.
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳ ವಿಧಗಳು :
ಸ್ವತ್ತುಗಳ ವರ್ಗ ಮತ್ತು ರಚನೆಯ ಆಧಾರದ ಮೇಲೆ ನಾವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳನ್ನು ವಿಂಗಡಿಸಬಹುದು. ಈ ರೀತಿಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ಒಂದು ಅಥವಾ ಹೆಚ್ಚಿನ ಸ್ವತ್ತುಗಳ ಮೇಲೆ ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ. ಅಂದರೆ, ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ಠೇವಣಿ ಮಾಡಿದ ಹಣವನ್ನು ಯಾವುದಾದರೂ ಒಂದು ಅಥವಾ ಹೆಚ್ಚಿನ ಸ್ಥಳಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ. ಆಸ್ತಿ ವರ್ಗದ ಆಧಾರದ ಮೇಲೆ ನಾವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳನ್ನು ಹಲವಾರು ಭಾಗಗಳಾಗಿ ವಿಂಗಡಿಸಬಹುದು.
*ಸಾಲ ನಿಧಿಗಳು
ಸಾಲ ನಿಧಿಗಳು ಸ್ಥಿರ ಆದಾಯ ನೀಡುವ ನಿಧಿಗಳಾಗಿವೆ. ಸಾಲ ನಿಧಿಗಳು ವಾಣಿಜ್ಯ ಪತ್ರ, ಖಜಾನೆ ಬಿಲ್ಗಳು, ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ಗಳು ಮತ್ತು ಇತರ ಅನೇಕ ಹಣ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ.
*ಗಿಲ್ಟ್ ಫಂಡ್
ಗಿಲ್ಟ್ ಫಂಡ್ಗಳು ತಮ್ಮ ಹಣವನ್ನು ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳಲ್ಲಿ ಮಾತ್ರ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಸರ್ಕಾರಕ್ಕೆ ಹಣ ನೀಡುವುದರಿಂದ, ಈ ರೀತಿಯ ಸಾಲ ನಿಧಿಯಲ್ಲಿ ಯಾವುದೇ ರಿಸ್ಕ್ ಇರುವುದಿಲ್ಲ.
*ಲಿಕ್ವಿಡ್ ಫಂಡ್
ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಾಗಿದ್ದು ಅದನ್ನು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ರಿಡೀಮ್ ಮಾಡಬಹುದು. ವಿಮೋಚನೆಗಾಗಿ ಅರ್ಜಿ ಸಲ್ಲಿಸಿದ 24 ಗಂಟೆಗಳ ಒಳಗೆ ಹಣವನ್ನು ನಿಮ್ಮ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಜಮಾ ಮಾಡಲಾಗುತ್ತದೆ. ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳು ಸಾಲ ನಿಧಿ ವಿಭಾಗದಲ್ಲಿ ಕಡಿಮೆ ಆದಾಯ ನೀಡುತ್ತವೆ ಆದರೆ ಹೆಚ್ಚು ಸುರಕ್ಷಿತವಾಗಿರುತ್ತವೆ.
ನೀವು ಕನಿಷ್ಟ 3 ದಿನಗಳ ಅವಧಿಗೆ ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳು ಹೂಡಿಕೆ ಮಾಡುವ ಸೆಕ್ಯುರಿಟಿಗಳು 91 ದಿನಗಳವರೆಗೆ ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿರುತ್ತವೆ. ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳು ಉಳಿತಾಯ ಖಾತೆಗಳು ಮತ್ತು ಬ್ಯಾಂಕ್ ಎಫ್ಡಿಗಳಿಗೆ ಉತ್ತಮ ಪರ್ಯಾಯವಾಗಿದೆ.
*ಇಕ್ವಿಟಿ ಫಂಡ್ಗಳು
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ಈಕ್ವಿಟಿ ಫಂಡ್ ಅತ್ಯಂತ ಜನಪ್ರಿಯ ನಿಧಿಯಾಗಿದೆ. ಇದು ಷೇರು ಮಾರುಕಟ್ಟೆ ಆಧಾರಿತ ಹೂಡಿಕೆ ಆಗಿರುವುದರಿಂದ ಇಲ್ಲಿ ರಿಸ್ಕ್ ಹೆಚ್ಚಿರುತ್ತದೆ. ಜನರು ಹೆಚ್ಚಿನ ರಿಸ್ಕ್ ತೆಗೆದುಕೊಳ್ಳುವ ಮೂಲಕ ಹೆಚ್ಚಿನ ಆದಾಯಕ್ಕಾಗಿ ಈಕ್ವಿಟಿ ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ. ಈಕ್ವಿಟಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ, ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ಸಂಪೂರ್ಣ ಹೂಡಿಕೆಯನ್ನು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಮಾಡುತ್ತಾನೆ.
ಈಕ್ವಿಟಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳನ್ನು ಲಾರ್ಜ್ ಕ್ಯಾಪ್ (ಬೃಹತ್ ಬಂಡವಾಳ), ಮಿಡ್ ಕ್ಯಾಪ್ (ಮಧ್ಯಮ ಬಂಡವಾಳ), ಮಲ್ಟಿಕ್ಯಾಪ್ (ಬಹು ಬಂಡವಾಳ) ಮತ್ತು ಸ್ಮಾಲ್ ಕ್ಯಾಪ್ (ಸಣ್ಣ ಬಂಡವಾಳ) ನಿಧಿಗಳಾಗಿ ವಿಂಗಡಿಸಲಾಗಿದೆ.
*ಲಾರ್ಜ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು
ಲಾರ್ಜ್ ಕ್ಯಾಪ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಬೃಹತ್ ಮಾರುಕಟ್ಟೆ ಬಂಡವಾಳ ಹೊಂದಿರುವ ಕಂಪನಿಯಲ್ಲಿ ತಮ್ಮ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಲಾರ್ಜ್ ಕ್ಯಾಪ್ ಕಂಪನಿಯು ಈಗಾಗಲೇ ತನ್ನ ಬೆಳವಣಿಗೆ ಸಾಧಿಸಿರುತ್ತದೆ. ಹಾಗಾಗಿ ಇಲ್ಲಿ ರಿಟರ್ನ್ಸ್ ಕಡಿಮೆ ಆದರೆ, ರಿಟರ್ನ್ಸ್ ಸ್ಥಿರವಾಗಿರುತ್ತದೆ. ಸಣ್ಣ ಮತ್ತು ಮಿಡ್ಕ್ಯಾಪ್ ಫಂಡ್ಗಳಿಗಿಂತ ಲಾರ್ಜ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು ಕಡಿಮೆ ರಿಸ್ಕ್ ಹೊಂದಿರುತ್ತವೆ.
*ಮಿಡ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು
ಮಿಡ್ ಕ್ಯಾಪ್ ಕಂಪನಿಯು ಮಧ್ಯಮ ಬಂಡವಾಳ ಹೊಂದಿರುವ ಕಂಪನಿಯಾಗಿದೆ. ಈ ಕಂಪನಿಗಳು ತಮ್ಮ ವ್ಯವಹಾರವನ್ನು ಆರಂಭಿಸಿ, ಈಗಷ್ಟೇ ಪ್ರಗತಿಯತ್ತ ಹೆಜ್ಜೆ ಹಾಕುತ್ತಿರುತ್ತವೆ. ಹೀಗಾಗಿ ಮಿಡ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು ಲಾರ್ಜ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಆದಾಯ ನೀಡುವ ಸಾಮರ್ಥ್ಯ ಹೊಂದಿವೆ.
*ಸ್ಮಾಲ್ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು
ಸ್ಮಾಲ್ ಕ್ಯಾಪ್ ಕಂಪನಿಗಳು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೊಸ ವ್ಯವಹಾರ ಆರಂಭಿಸಿ ತಮ್ಮನ್ನು ತಾವು ಸ್ಥಾಪಿಸಿಕೊಳ್ಳಲು ಪ್ರಯತ್ನಿಸುತ್ತಿರುತ್ತವೆ. ಇವುಗಳಲ್ಲಿ ಆದಾಯ ಉತ್ತಮವಾಗಿದೆ ಆದರೆ ಅದಕ್ಕೆ ತಕ್ಕಂತೆ ರಿಸ್ಕ್ ಕೂಡ ಹೆಚ್ಚು.
*ಮಲ್ಟಿ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಈ ವರ್ಗವು ಬಹಳ ಜನಪ್ರಿಯವಾಗಿದೆ. ಈ ನಿಧಿಯು ಲಾರ್ಜ್ ಕ್ಯಾಪ್, ಮಿಡ್ ಕ್ಯಾಪ್ ಮತ್ತು ಸ್ಮಾಲ್ ಕ್ಯಾಪ್ ಕಂಪನಿಗಳಲ್ಲಿ ಸ್ಥಿರ ಅನುಪಾತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ.
ಇವುಗಳ ಹೊರತಾಗಿ, ಫ್ಲೆಕ್ಸಿ ಕ್ಯಾಪ್ ಫಂಡ್ಗಳು, ಇಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ಸ್ ಸ್ಕೀಮ್ಗಳು ಮತ್ತು ಹೈಬ್ರಿಡ್ ಫಂಡ್ಗಳು ಇತ್ಯಾದಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಿವೆ.
ಸೂಕ್ತ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಆಯ್ಕೆ ಸುಲಭ:
ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆ: ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗೆ ಈಕ್ವಿಟಿ ಅಥವಾ ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಫಂಡ್ ಹೆಚ್ಚು ಸೂಕ್ತ. 5 ವರ್ಷ, 10 ವರ್ಷ ಮೇಲ್ಪಟ್ಟು ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಎನ್ನುವವರಿಗೆ ಅಥವಾ ನಿವೃತ್ತಿ ಯೋಜನೆ ರೂಪಿಸಿಕೊಳ್ಳಬೇಕು ಎನ್ನುವವರಿಗೆ ಈ ಫಂಡ್ಗಳು ಹೆಚ್ಚು ಸೂಕ್ತ.
ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆ:ನಿಮ್ಮ ಬಳಿ ಸದ್ಯಕ್ಕೆ ದೊಡ್ಡ ಮೊತ್ತದ ಹಣವಿದೆ. ಆದರೆ ಕೆಲ ತಿಂಗಳಲ್ಲೇ ಅದನ್ನು ಮಗಳ ಮದುವೆ ಖರ್ಚಿಗಾಗಿ ವಾಪಸ್ ತೆಗೆಯಬೇಕು ಅಥವಾ ತುರ್ತು ಸಂದರ್ಭಗಳಿಗೆ ಆ ಹಣ ಅಗತ್ಯ ಎಂದಾದರೆ ಲಿಕ್ವಿಡ್ ಫಂಡ್ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸುವುದು ಸರಿಯಾದ ಆಯ್ಕೆ.
ನಿರ್ದಿಷ್ಟ ಆದಾಯ ಗಳಿಸಲು: ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿ ಕಾಲಕಾಲಕ್ಕೆ ನಿರ್ದಿಷ್ಟ ಆದಾಯ ಗಳಿಸಬೇಕು ಎಂದು ನಿರ್ಧರಿಸಿದ್ದಲ್ಲಿ ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆ (ಮಂತ್ಲಿ ಇನ್ಕಂ ಪ್ಲ್ಯಾನ್) ಅಥವಾ ಆದಾಯ ನಿಧಿ (ಇನ್ಕಂ ಫಂಡ್) ಯೋಜನೆಯನ್ನು ಪರಿಗಣಿಸಬಹುದು.
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಎಂದು ನಿರ್ಧರಿಸಿದ ಬಳಿಕ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಕಂಪನಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡಬೇಕು. ನಂತರದಲ್ಲಿ ಆ ಕಂಪನಿಯ ಸ್ಕೀಂ ಬಗ್ಗೆ ಪೂರ್ಣ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಬೇಕು.
ಪ್ರತಿ ತಿಂಗಳ ವೇತನದಿಂದ ನಿರ್ದಿಷ್ಟ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತ ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಪೇರಿಸಲು ‘ಸಿಪ್’ ಸೂಕ್ತ ಆಯ್ಕೆ. ನಿಮ್ಮ ಬಳಿ ಬೋನಸ್, ಆಸ್ತಿ ಮಾರಾಟ, ಅಥವಾ ನಿವೃತ್ತಿಯಿಂದ ಬಂದಿರುವ ಹೆಚ್ಚುವರಿ ಹಣ ಇದ್ದು, ಅದನ್ನು ಹೇಗೆ ಸದುಪಯೋಗ ಮಾಡಿಕೊಳ್ಳಬೇಕು ಎಂಬ ಪ್ರಶ್ನೆ ಇದಲ್ಲಿ, ಅದನ್ನು ಡೆಟ್ ಅಥವಾ ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳಲ್ಲಿ ತೊಡಗಿಸಬಹುದು.
ಸಾಮಾನ್ಯರಿಗೆ ತಿಳಿದಿಲ್ಲದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಉದ್ಯಮದ ರಹಸ್ಯಗಳು ಯಾವುವು?
ಪ್ರತಿ ತಿಂಗಳು ನೀವು ಹಾಕಿದ ಹಣದಿಂದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಡೆಸುವ ಕಂಪನಿಗೆ ಎರಡುವರೆಯಿಂದ 5% ಹಣ ಕಡಿತಗೊಳ್ಳುತ್ತೆ.
ಪ್ರತ್ಯಕ್ಷವಾಗಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸುತ್ತಿದ್ದರೆ ನೀವು ಯಾವ ಬ್ರೋಕರೇಜ್ ಫೀ ಕೊಡುವ ಅಗತ್ಯ ಇಲ್ಲ.
ಆದರೆ ರೆಗ್ಯುಲರ್ ಪ್ಲಾನ್ ಬ್ರೋಕರ್ಗಳಿಂದ ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಖರೀದಿಸಿದರೆ ಬ್ರೋಕರೇಜ್ ಫೀಸ್ ಅಂತ 10% ನಿಮ್ಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಲ್ಲಿ ಪ್ರತಿ ತಿಂಗಳು ಕಡಿತಗೊಳಿಸ್ತಾರೆ.
ಒಂದು ವರ್ಷದ ಒಳಗೆ ನಿಮ್ಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ Redeem ಮಾಡಿದರೆ ನಿಮಗೆ ಒಂದು ಪರ್ಸೆಂಟ್ ಎಕ್ಸಿಟ್ ಲೋಡ್ ಅಂತ ಕೊಡುವ ಹಣದಿಂದ ಕಡಿತ ಗೊಳಿಸುತ್ತಾರೆ.
ಒಂದು ವರ್ಷದ ಕಮ್ಮಿಯ ಅವಧಿಯಲ್ಲಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆಗೆದರೆ ನಿಮಗೆ ಹದಿನೈದು ಪರ್ಸೆಂಟ್ ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳ್ಳುತ್ತೆ.
ಇಂದೆಕ್ಸ್ ಫಂಡ್ ನಲ್ಲಿ ನೀವು ನಿವೇಶನ ಮಾಡಿದರೆ ಮೆಂಟೇನೆನ್ಸ್ ಫೀಸ್ ಕೇವಲ ಒಂದು ಪರ್ಸೆಂಟ್ ಗಿಂತ ಕಮ್ಮಿ ನಿಮಗೆ ವರ್ಷಕ್ಕೆ ಕಡಿತುಕೊಳ್ಳುತ್ತದೆ.
ಪ್ರತಿ ಬಾರಿ ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆಗೆಯುವಾಗ ಎಸ್ ಟಿ ಟಿ ಅಂದರೆ ಸೆಕ್ಯೂರಿಟಿ ಟ್ರಾನ್ಸ್ಯಾಕ್ಷನ್ ಟ್ಯಾಕ್ಸ್ ಅಂತ 0.5% ಕಡಿತಗೊಳಿಸುತ್ತಾರೆ.
ನೀವು ಗ್ರೋಥ್ ಫಂಡ್ ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದ್ರೆ ಫಂಡ್ ನಲ್ಲಿರುವ ಶೇರುಗಳು ಮೇಲೆ ಹೋದಷ್ಟು ನಿಮಗೆ ಹಣ ಜಾಸ್ತಿ ಆಗ್ತಾ ಹೋಗುತ್ತೆ.
ಆದರೆ ನೀವು ಡಿವಿಡೆಂಡ್ ಫಂಡ್ ನಲ್ಲಿ ಇನ್ವೆಸ್ಟ್ ಮಾಡಿದ್ರೆ ನಿಮಗೆ ಕಂಪನಿಗಳ ಶೇರುಗಳನ್ನು ಕೊಂಡುಕೊಂಡು ಎಷ್ಟು ಡಿವಿಡೆಂಟ್ ಬಂದಿದೆ ಅಷ್ಟು ಮಾತ್ರ ನಿಮ್ಮ ಅಕೌಂಟಿಗೆ ಹಣ ಬರುತ್ತೆ.
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಲ್ಲಿ ಇಕ್ವಿಟೀಸ್ ಫಂಡ್ ಬ್ಯಾಲೆನ್ಸ್ ಫಂಡ್ ಹಾಗೂ Debt ಫಂಡ್ ಅಂತ ಇರುತ್ತೆ.
ಇಕ್ವಿಟೀಸ್ ಫಂಡ್ ಅಂದ್ರೆ ಅದು ನೂರುಕ್ಕೆ 100 ಪಟ್ಟು ಪೂರ್ಣವಾಗಿ ಕಂಪನಿಯ ಸ್ಟಾಕ್ಗಳಲ್ಲಿ ನಿವೇಶನ ಮಾಡುತ್ತದೆ. ಇದರಲ್ಲಿ ಮತ್ತೆ ಲಾರ್ಜ್ ಕ್ಯಾಂಪ್ ಮಿಡ್ ಕ್ಯಾಪ್ ಫಂಡ್ ಹಾಗೂ ಸ್ಮಾಲ್ ಕ್ಯಾಪ್ ಫಂಡ್ ಅಂತ ಇರುತ್ತೆ.
ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಫಂಡ್ ಅಂದ್ರೆ ಅದು ಐವತ್ತು ಪರ್ಸೆಂಟ್ ಕಂಪನಿಯ ಶೇರುಗಳಲ್ಲಿ ಹಾಗೂ 50% ಅಂದರೆ ಸಾಲಗಳಲ್ಲಿ ಅದರ ಹೂಡಿಕೆ ಮಾಡುತ್ತೆ.
Debt fund ಅಂದ್ರೆ ಅದು ಪೂರ್ಣವಾಗಿ ಸಾಲಗಳಲ್ಲಿ ನಿಮ್ಮ ಹಣವನ್ನು ನಿವೇಶನ ಮಾಡುತ್ತೆ.
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಲ್ಲಿ ನಿವೇಶನ ಮಾಡಬೇಕು ಅಂದ್ರೆ ನಿಮ್ಮ ವಯಸ್ಸನ್ನು 100ರಿಂದ ಕಡಿತಗೊಳಿಸಿ.
ನಿಮಗೆ 40 ವರ್ಷವಾದರೆ 100–40 = 60. ಅರವತ್ತು ಪರ್ಸೆಂಟ್ ನಷ್ಟು ಹಣವನ್ನು ಇಕ್ವಿಟೀಸ್ ಗ್ರೋಥ್ ಫಂಡನಲ್ಲಿ ಹಾಗೂ 40% ನಷ್ಟು ಹಣವನ್ನು ಡೆಡ್ ಫಂಡ್ ನಲ್ಲಿ ಇನ್ವೆಸ್ಟ್ ಮಾಡುವುದು ನಿಯಮ.
ಧನ್ಯವಾದಗಳು.
zyrtec canada over the counter prescription medication for severe allergies otc allergy medication comparison chart
acidity tablet name list how to buy septra
order isotretinoin online cheap accutane online buy buy accutane
amoxil pill order amoxil 250mg pills buy amoxil 500mg pill
buy doxycycline online doxycycline pill
purchase amoxiclav pills buy augmentin generic
order levothroid generic cost levoxyl order levoxyl online
order levitra generic order levitra 20mg without prescription
cost tizanidine 2mg order tizanidine pills buy tizanidine no prescription
buy prednisone 20mg pill deltasone 5mg generic generic deltasone
semaglutide 14 mg usa order semaglutide 14mg order rybelsus 14 mg generic
accutane 20mg cheap accutane cost accutane canada
albuterol order online albuterol 4mg us ventolin inhalator brand
purchase amoxicillin generic where to buy amoxicillin without a prescription cost amoxicillin 500mg
augmentin 375mg pill augmentin buy online augmentin 375mg drug
buy zithromax pills for sale azithromycin 500mg cost zithromax 500mg ca
purchase synthroid online cheap synthroid 75mcg tablet levothyroxine for sale
buy omnacortil no prescription cost prednisolone buy omnacortil without prescription
serophene pills buy clomid 100mg for sale clomiphene 100mg for sale
neurontin 600mg uk order generic gabapentin 600mg buy neurontin 600mg online
lasix 100mg canada lasix 100mg price buy lasix sale diuretic
sildenafil 50mg oral generic sildenafil 100mg buy viagra 100mg sale
buy doxycycline 100mg without prescription acticlate ca order monodox generic
buy rybelsus 14mg online cheap buy generic semaglutide semaglutide canada
free online blackjack no download best real money casino casino games
buy levitra generic buy vardenafil 20mg online cheap vardenafil pills
order lyrica 150mg without prescription pregabalin us pregabalin brand
buy generic plaquenil 200mg plaquenil 200mg sale plaquenil where to buy
purchase aristocort pill triamcinolone 4mg usa aristocort uk
cialis 40mg cost cialis 20mg drug cialis 40mg
clarinex brand purchase clarinex pills buy clarinex sale
buy cenforce generic buy cenforce generic cenforce cheap
order loratadine 10mg for sale order loratadine pills loratadine without prescription
buy cheap aralen buy aralen generic where can i buy chloroquine
buy glycomet online metformin 500mg cheap buy glycomet no prescription
oral xenical 60mg generic orlistat 120mg how to get diltiazem without a prescription
lipitor cheap atorvastatin 80mg generic lipitor 20mg pill
buy amlodipine 10mg pill norvasc 5mg pill norvasc 5mg cost
order zovirax 400mg without prescription acyclovir sale zyloprim 100mg over the counter
purchase lisinopril generic oral lisinopril 10mg buy zestril 2.5mg online cheap
buy cheap crestor order crestor online purchase zetia online cheap
buy omeprazole 10mg sale omeprazole online order order prilosec 20mg
how to buy domperidone buy tetracycline 500mg online cheap order sumycin 500mg generic
buy metoprolol 100mg pill metoprolol 100mg pill how to get metoprolol without a prescription
cyclobenzaprine 15mg without prescription order baclofen 10mg sale order lioresal pill
generic ketorolac toradol online buy purchase colchicine
purchase atenolol pills cost tenormin atenolol over the counter
buying prescription drugs in mexico online: cmq pharma – purple pharmacy mexico price list
purple pharmacy mexico price list
http://cmqpharma.com/# mexican drugstore online
mexican drugstore online
Put together a great selection of games by renowned providers, a hefty Welcome Bonus, reliable customer support and user-friendly website and you got yourself a solid online casino. Bovada covers the full range and that is the key to this casino’s success. This is a safe and respected online casino and by adding Bitcoin as an accepted payment method it ensured its position on the US online casino market. In the next of the Bovada slots on our list, we can see Mythic Wolf from Rival Gaming. It’s one of the best slot games on the site, with a wildlife theme including symbols such as a wolf, a feather, and a full moon. The symbols appear over five reels and three rows, with 50 paylines, so a normal online slots strategy can be adopted here.
https://active.popsugar.com/@didertounews1982/profile
Incredible Technologies (IT) got the license to create a new game based on The Munsters in partnership with game design studio GC2, producer of such popular IGT slots as Coyote Moon and Kitty Glitter. “They are located near here in Alton, Illinois, and we have a very good relationship with them,” says Daniel Schrementi, vice president of gaming marketing and new media for Incredible Technologies. “They brought The Munsters to us. We liked the feature, we liked the license, and we’re excited to release it.” The Munsters original drawing George Barris Munsterkoach I know I will really have made it in life when they unveil a slot machine named after me. Used Slot Machine Sales 1-800-342-6737EMAIL: squiresandcorrie@gmail About | Advertise | Contact | Terms of Service | Privacy
© 2024 FANDOM, INC. ALL RIGHTS RESERVED. ©2002 MASASHI KISHIMOTO 2007 SHIPPUDEN All Rights Reserved. Home » Cloud Games » NARUTO TO BORUTO: SHINOBI STRIKER Although Naruto X Boruto Ultimate Ninja Storm Connections brings along some incredible battle mechanics and detailed customization elements, the game is lacking in a decent single-player story mode. Special Story mode wasn’t very interactive or interesting for my tastes. Players will get an opportunity to play the game at different times, depending on where they live. The table below contains all the release times for Naruto X Boruto Ultimate Ninja Storm Connections. Download and manage all your collections within Vortex To provide an even more fun and enjoyable gaming experience, NARUTO TO BORUTO: SHINOBI STRIKER has been updated to version 2.41.
https://teletype.in/@fireboywatergir
Halloween Vocabulary Card Game | Young Learners, ESL, ELL, EFL What’s your top ESL game or activity that you like to do in a Halloween-themed lesson? Is it one of the options from this list or do you have an idea for another one? If you are interested in other holiday ESL lessons, check out Christmas, Valentine’s Day and Thanksgiving. Leave a comment below and let us know what you think. We’d love to hear from you. – Fun Halloween activities and materials for English classes Pre-intermediate (A2) Results: Teach English using thought-provoking, engaging and topical lesson plans based on authentic materials. Provide high-quality ESL classes for adults, both online and offline. I love all the Halloween activities you’ve listed! I’m going to try a few of them this year!
http://foruspharma.com/# reputable mexican pharmacies online
my canadian pharmacy: canada pharmacy 24h – the canadian pharmacy
http://indiapharmast.com/# indian pharmacy
india online pharmacy [url=https://indiapharmast.com/#]п»їlegitimate online pharmacies india[/url] indian pharmacies safe
best rated canadian pharmacy: vipps canadian pharmacy – canadian pharmacy ratings
http://foruspharma.com/# buying prescription drugs in mexico online
india online pharmacy [url=http://indiapharmast.com/#]indian pharmacy paypal[/url] indian pharmacy online
https://foruspharma.com/# pharmacies in mexico that ship to usa
canadian pharmacy meds [url=http://canadapharmast.com/#]safe canadian pharmacies[/url] canadian pharmacy meds
mexican mail order pharmacies: mexico drug stores pharmacies – mexican border pharmacies shipping to usa
https://indiapharmast.com/# online shopping pharmacy india
canadian pharmacy meds: canada pharmacy 24h – canadian discount pharmacy
india pharmacy: mail order pharmacy india – Online medicine order
https://foruspharma.com/# mexico pharmacies prescription drugs
canadian drugstore online [url=https://canadapharmast.online/#]cheap canadian pharmacy online[/url] safe reliable canadian pharmacy
indian pharmacies safe: india pharmacy mail order – india online pharmacy
mexico drug stores pharmacies: mexico pharmacies prescription drugs – best online pharmacies in mexico
mail order pharmacy india: indian pharmacy paypal – best india pharmacy
https://canadapharmast.online/# canadian world pharmacy
canada pharmacy online legit [url=https://canadapharmast.online/#]canadian pharmacies online[/url] canadian family pharmacy
https://clomiddelivery.pro/# how can i get cheap clomid online
paxlovid india [url=http://paxloviddelivery.pro/#]buy paxlovid online[/url] paxlovid price
where can i get amoxicillin: cost of amoxicillin – amoxicillin 500 mg cost
https://amoxildelivery.pro/# amoxicillin 250 mg
http://clomiddelivery.pro/# order clomid no prescription
how to buy doxycycline in uk [url=http://doxycyclinedelivery.pro/#]doxycycline 40 mg cost[/url] doxycycline 50 mg india
The first time you turn on the SecuX V20, you are prompted to set a 4-digit PIN code. If you enter this PIN code incorrectly 4 times in a row, the device will erase itself. This is a necessary precaution so that no one can access your cryptocurrencies. The wallet also includes support for a password known as 25th-word protection. The Hidden Wallet feature, which allows you to create a separate wallet and password inside the wallet, adds an extra layer of security to the hardware wallet. You can set a password of up to 99 characters to set up a Hidden Wallet. So yes, if you value your cryptocurrencies, use a hardware wallet to store your private keys offline, in dedicated equipment. The Ledger Nano S is a hardware wallet compatible with 1800+ cryptocurrencies. This crypto hardware wallet unit size is 104mm х 58 mm х 5mm, and its weight is 16.2g. It comes with a strong 100mAh battery. Its inbox contains 1 cold wallet, 1 USB cable, 3 recovery sheets, and one keychain strap.
https://os.mbed.com/users/paboontmamog1984/
Even expectations of a China-like bitcoin ban in the United States might not be reality-based. The federal government treats bitcoin as property, and Gensler’s regulatory hawkishness has generally included exceptions for bitcoin itself. His agency is the regulatory authority that seems ready to let a bitcoin-futures ETF begin trading on a U.S. exchange next week. Federal Reserve chairman Jerome Powell said recently before Congress that he did not intend to ban it. Belsham added that the scarcity and limited nature of Bitcoin—no more than 21 million Bitcoins can ever be mined—“may even, ultimately, render Bitcoin worthless.” Stephens told me, “I just became shell-shocked. What the fuck have I gotten myself into?” He had seen Smietana post conspiracy theories on Telegram before, but he figured it was a joke. In the weeks after the dinner, Stephens tried to warn some investors, but felt that they brushed him off: “They would be, like, ‘Brandon is just doing his thing, and the value of the coin keeps going up.’ ”
http://paxloviddelivery.pro/# paxlovid cost without insurance
amoxicillin 30 capsules price [url=http://amoxildelivery.pro/#]amoxicillin buy no prescription[/url] buy amoxicillin over the counter uk
http://paxloviddelivery.pro/# paxlovid pharmacy
https://amoxildelivery.pro/# amoxicillin 875 mg tablet
where to get clomid [url=http://clomiddelivery.pro/#]clomid generics[/url] can i purchase clomid
purchase amoxicillin 500 mg: amoxicillin capsules 250mg – amoxicillin 500 mg tablets
https://amoxildelivery.pro/# where to buy amoxicillin
http://ciprodelivery.pro/# ciprofloxacin 500 mg tablet price
cipro online no prescription in the usa [url=http://ciprodelivery.pro/#]cipro 500mg best prices[/url] where can i buy cipro online
ciprofloxacin generic: buy cipro online without prescription – where can i buy cipro online
https://amoxildelivery.pro/# buy amoxicillin online without prescription
http://doxycyclinedelivery.pro/# can you buy doxycycline over the counter in south africa
https://paxloviddelivery.pro/# paxlovid buy
can i get generic clomid no prescription [url=http://clomiddelivery.pro/#]clomid online[/url] cost clomid no prescription
ciprofloxacin: ciprofloxacin over the counter – buy cipro online without prescription
https://doxycyclinedelivery.pro/# doxycycline 100mg online pharmacy
https://doxycyclinedelivery.pro/# doxycycline 20
http://doxycyclinedelivery.pro/# buy doxycycline
Paxlovid over the counter [url=http://paxloviddelivery.pro/#]paxlovid price[/url] paxlovid covid
buy generic ciprofloxacin: ciprofloxacin 500 mg tablet price – ciprofloxacin 500 mg tablet price
http://clomiddelivery.pro/# cost generic clomid
http://ciprodelivery.pro/# ciprofloxacin over the counter
paxlovid for sale [url=http://paxloviddelivery.pro/#]paxlovid pill[/url] paxlovid cost without insurance
ciprofloxacin order online: ciprofloxacin generic price – п»їcipro generic
buy cipro cheap: where can i buy cipro online – cipro 500mg best prices
purple pharmacy mexico price list: mexican online pharmacies prescription drugs – buying prescription drugs in mexico online
buying prescription drugs in mexico: buying prescription drugs in mexico online – pharmacies in mexico that ship to usa
mexican rx online [url=http://mexicandeliverypharma.com/#]purple pharmacy mexico price list[/url] medication from mexico pharmacy
mexican online pharmacies prescription drugs: mexican pharmaceuticals online – mexico drug stores pharmacies
mexican drugstore online: mexico drug stores pharmacies – reputable mexican pharmacies online
medication from mexico pharmacy: pharmacies in mexico that ship to usa – buying prescription drugs in mexico
mexican mail order pharmacies [url=https://mexicandeliverypharma.com/#]mexico pharmacies prescription drugs[/url] mexican mail order pharmacies
mexican online pharmacies prescription drugs: pharmacies in mexico that ship to usa – п»їbest mexican online pharmacies
pharmacies in mexico that ship to usa: mexican pharmaceuticals online – п»їbest mexican online pharmacies
medication from mexico pharmacy: mexican drugstore online – reputable mexican pharmacies online
reputable mexican pharmacies online [url=https://mexicandeliverypharma.online/#]mexican drugstore online[/url] mexico pharmacy
https://mexicandeliverypharma.com/# buying from online mexican pharmacy
mexican drugstore online: mexican online pharmacies prescription drugs – purple pharmacy mexico price list
mexican drugstore online: mexican pharmaceuticals online – best online pharmacies in mexico
mexican drugstore online: mexican online pharmacies prescription drugs – best online pharmacies in mexico
medication from mexico pharmacy: buying from online mexican pharmacy – mexican border pharmacies shipping to usa
reputable mexican pharmacies online: medicine in mexico pharmacies – purple pharmacy mexico price list
mexico drug stores pharmacies [url=https://mexicandeliverypharma.online/#]mexico drug stores pharmacies[/url] mexican online pharmacies prescription drugs
medicine in mexico pharmacies: best online pharmacies in mexico – mexican mail order pharmacies
reputable mexican pharmacies online [url=https://mexicandeliverypharma.online/#]buying prescription drugs in mexico[/url] medicine in mexico pharmacies
mexican pharmaceuticals online: buying prescription drugs in mexico – reputable mexican pharmacies online
mexican drugstore online: п»їbest mexican online pharmacies – mexican drugstore online
purple pharmacy mexico price list: purple pharmacy mexico price list – medication from mexico pharmacy
reputable mexican pharmacies online: mexican drugstore online – medicine in mexico pharmacies
First of all, to start betting in a bookmaker’s office, you need to register with it. Without an account you will not be able to log in, you will not be able to access the cash register and all the basic functionality of the site. Once you have an account and fund your account, you can bet on cricket, kabaddi and other sports at 1win. To do so, follow the instructions: Multi-Betting: 1Win allows you to place multi-bets, where you can combine multiple events into a single bet using different bet types. However, to win, all the predictions must be correct. The potential profits are proportional to the level of risk. There is a lot of debate in the scientific community about whether the space lift will really help astronauts in going beyond the Earth’s orbit during flights. Many pieces of the debate have been published in the relevant section of the 1win bet website and are a good basis for forming a prediction. Let’s take a look at the potential benefits and possible limitations of this innovation.
https://forum.trackandfieldnews.com/special/albums/1849771-is-aviator-app-safe
Betting Codes I like that 1Win guarantees a competent attitude towards clients. There are no severe limitations for bettors, failures in the app operation, and other stuff that frequently happens to other bookmakers’ software. Both the app and mobile website work smoothly, without lags. Design is simple yet attractive. Navigation is really simple, even newbies will get it right away. Download the app and discover even more advantages of mobile betting. The Rajabets app has powerful features to take your betting experience to the next level. With a Curacao government license, the betting app is also pretty safe for punters. 1Win Casino is a popular gaming platform for making big profits. It has an extensive loyalty programme for new and active gamblers. It is possible to get prizes within:
pharmacies in mexico that ship to usa: medication from mexico pharmacy – reputable mexican pharmacies online
reputable mexican pharmacies online: mexico drug stores pharmacies – buying from online mexican pharmacy
mexican border pharmacies shipping to usa: mexican border pharmacies shipping to usa – medication from mexico pharmacy
buying from online mexican pharmacy: п»їbest mexican online pharmacies – mexico pharmacies prescription drugs
buying prescription drugs in mexico: mexico pharmacies prescription drugs – buying from online mexican pharmacy
mexican mail order pharmacies [url=https://mexicandeliverypharma.com/#]mexican mail order pharmacies[/url] reputable mexican pharmacies online
mexico drug stores pharmacies: buying prescription drugs in mexico – purple pharmacy mexico price list
reputable mexican pharmacies online: mexican pharmaceuticals online – mexican pharmaceuticals online
mexico drug stores pharmacies [url=https://mexicandeliverypharma.com/#]purple pharmacy mexico price list[/url] purple pharmacy mexico price list
medicine in mexico pharmacies: mexican drugstore online – mexican drugstore online
buying prescription drugs in mexico: buying prescription drugs in mexico – medication from mexico pharmacy
pharmacies in mexico that ship to usa [url=http://mexicandeliverypharma.com/#]buying prescription drugs in mexico[/url] medication from mexico pharmacy
purple pharmacy mexico price list: mexican pharmaceuticals online – best online pharmacies in mexico
mexican border pharmacies shipping to usa: medicine in mexico pharmacies – mexican border pharmacies shipping to usa
reputable mexican pharmacies online [url=https://mexicandeliverypharma.online/#]medication from mexico pharmacy[/url] mexican pharmaceuticals online
mexican pharmaceuticals online: mexican drugstore online – medication from mexico pharmacy
mexican rx online: mexican drugstore online – best online pharmacies in mexico
buying from online mexican pharmacy: medication from mexico pharmacy – best online pharmacies in mexico
mexican online pharmacies prescription drugs: buying prescription drugs in mexico online – reputable mexican pharmacies online
mexican pharmaceuticals online: mexico pharmacies prescription drugs – best online pharmacies in mexico
medication from mexico pharmacy: mexico drug stores pharmacies – medication from mexico pharmacy
mexican border pharmacies shipping to usa: mexican mail order pharmacies – mexican mail order pharmacies
best online pharmacies in mexico: mexico pharmacies prescription drugs – mexican drugstore online
mexican drugstore online: mexican border pharmacies shipping to usa – best online pharmacies in mexico
mexican border pharmacies shipping to usa: purple pharmacy mexico price list – buying from online mexican pharmacy
tamoxifen breast cancer: tamoxifen adverse effects – tamoxifen breast cancer
http://prednisonebestprice.pro/# steroids prednisone for sale
https://cytotecbestprice.pro/# order cytotec online
does tamoxifen cause bone loss: natural alternatives to tamoxifen – how to lose weight on tamoxifen
http://cytotecbestprice.pro/# cytotec buy online usa
cytotec buy online usa: buy cytotec online fast delivery – buy cytotec pills
https://nolvadexbestprice.pro/# tamoxifen cost
zithromax for sale 500 mg: buy zithromax online fast shipping – zithromax for sale us
does tamoxifen cause weight loss: tamoxifen dosage – nolvadex only pct
https://prednisonebestprice.pro/# prednisone 20 mg tablet
cost generic propecia without dr prescription: cost of propecia tablets – cost cheap propecia
prednisone buy online nz: prednisone 54 – prednisone 50 mg price
http://propeciabestprice.pro/# buy cheap propecia without rx
buy cytotec online fast delivery: order cytotec online – buy cytotec over the counter
zithromax generic cost: zithromax 500 mg lowest price online – buy zithromax online with mastercard
https://propeciabestprice.pro/# get generic propecia without rx
zithromax for sale online: zithromax 500mg price – zithromax azithromycin
farmacie online autorizzate elenco: Farmacie che vendono Cialis senza ricetta – Farmacie online sicure
acquisto farmaci con ricetta: Cialis generico recensioni – п»їFarmacia online migliore
viagra generico prezzo piГ№ basso: dove acquistare viagra in modo sicuro – cerco viagra a buon prezzo
viagra originale in 24 ore contrassegno viagra ordine telefonico or miglior sito per comprare viagra online
https://megalodon.jp/?url=https://viagragenerico.site viagra consegna in 24 ore pagamento alla consegna
[url=http://anonim.co.ro/?viagragenerico.site]pillole per erezione immediata[/url] viagra originale in 24 ore contrassegno and [url=http://www.donggoudi.com/home.php?mod=space&uid=1063945]viagra generico prezzo piГ№ basso[/url] viagra subito
kamagra senza ricetta in farmacia: farmacia senza ricetta recensioni – cialis farmacia senza ricetta
viagra 50 mg prezzo in farmacia viagra online spedizione gratuita or kamagra senza ricetta in farmacia
https://maps.google.co.ao/url?sa=t&url=https://viagragenerico.site viagra originale in 24 ore contrassegno
[url=https://www.crb600h.com/mobile/api/device.php?uri=https://viagragenerico.site]viagra prezzo farmacia 2023[/url] viagra consegna in 24 ore pagamento alla consegna and [url=https://www.jjj555.com/home.php?mod=space&uid=1274999]miglior sito per comprare viagra online[/url] viagra online spedizione gratuita
esiste il viagra generico in farmacia: viagra online – gel per erezione in farmacia
buy cialis in cro: cialis without a doctor prescription – tadalafil cialis bestprice
how does viagra work: Cheap generic Viagra – 100 mg viagra lowest price
https://tadalafil.auction/# buy cialis united states
online viagra [url=https://sildenafil.llc/#]Buy Viagra online in USA[/url] 100 mg viagra lowest price
female viagra: Cheap Viagra online – viagra coupon
https://tadalafil.auction/# cialis prices in ontario
viagra samples: Buy Viagra online in USA – viagra without doctor prescription
https://sildenafil.llc/# real viagra without a doctor prescription
generic viagra without a doctor prescription [url=https://sildenafil.llc/#]Cheap Viagra online[/url] viagra without prescription
generic viagra 100mg: buy sildenafil online usa – viagra pills
ed pills that work better than viagra buy generic viagra online or buy viagra pills
https://toolbarqueries.google.nl/url?sa=t&url=https://sildenafil.llc generic viagra available
[url=http://www.nightdriv3r.de/url?q=https://sildenafil.llc]generic viagra overnight[/url] cost of viagra and [url=https://139.129.101.248/home.php?mod=space&uid=10745]how long does viagra last[/url] viagra pills
viagra from canada cialis vs viagra or female viagra
https://www.google.com.cy/url?sa=t&url=https://sildenafil.llc female viagra
[url=https://maps.google.ie/url?sa=t&url=https://sildenafil.llc]viagra online[/url] viagra generic and [url=https://slovakia-forex.com/members/273987-rsbbwuytxx]viagra samples[/url] viagra
how long does viagra last: Viagra online price – viagra without a doctor prescription
http://sildenafil.llc/# viagra coupons
generic viagra [url=https://sildenafil.llc/#]buy sildenafil online canada[/url] buy viagra online
cheap cialis dapoxitine cheap online cialis online american express or order cialis brand
http://cse.google.co.ma/url?sa=t&url=http://tadalafil.auction black cialis
[url=http://cse.google.fm/url?q=https://tadalafil.auction]generic cialis vs cialis[/url] cialis mail order and [url=http://jiangzhongyou.net/space-uid-544106.html]cialis in usa[/url] max cialis dose
http://sildenafil.llc/# canadian viagra
cheap viagra: buy sildenafil online canada – buy viagra professional
viagra samples: buy sildenafil online canada – viagra side effects
https://sildenafil.llc/# viagra generic
blue pill viagra [url=http://sildenafil.llc/#]Cheap Viagra online[/url] buy generic viagra online
http://tadalafil.auction/# cheap viagra and cialis in australia
cialis pills australia [url=https://tadalafil.auction/#]Buy Cialis online[/url] tadalafil cialis bestprice
medicine in mexico pharmacies: mexican pharmacy – п»їbest mexican online pharmacies
https://indiapharmacy.shop/# india online pharmacy
cheapest online ed meds
mexican pharmaceuticals online: mexico pharmacy win – medicine in mexico pharmacies
https://indiapharmacy.shop/# top 10 pharmacies in india
http://edpillpharmacy.store/# erectile dysfunction pills for sale
cheap ed medicine
п»їbest mexican online pharmacies: Certified Mexican pharmacy – mexican mail order pharmacies
https://mexicopharmacy.win/# mexican mail order pharmacies
medication from mexico pharmacy [url=https://mexicopharmacy.win/#]Best pharmacy in Mexico[/url] mexico drug stores pharmacies
http://edpillpharmacy.store/# cheapest online ed treatment
best online ed pills
ed pills for sale: Cheap ED pills online – cheapest ed online
http://mexicopharmacy.win/# mexico drug stores pharmacies
medicine in mexico pharmacies: Certified Mexican pharmacy – mexican pharmaceuticals online
top online pharmacy india: indian pharmacy – online shopping pharmacy india
http://indiapharmacy.shop/# online pharmacy india
mexican border pharmacies shipping to usa [url=https://mexicopharmacy.win/#]Purple pharmacy online ordering[/url] mexican pharmacy
ed med online best ed meds online or cheap ed pills
http://www.any-hair.jp/cgi-bin/m/index.cgi?id=28&mode=redirect&ref_eid=527&url=http://edpillpharmacy.store order ed pills
[url=https://www.google.sr/url?q=https://edpillpharmacy.store]buy ed meds[/url] cheap ed medicine and [url=http://www.dbgjjs.com/home.php?mod=space&uid=475015]online erectile dysfunction[/url] erection pills online
cheap erectile dysfunction pills edmeds or ed online pharmacy
https://buscador.recolecta.fecyt.es/dnet-web-generic/redirect.action?docId=d3241445-e9af-41f8-ba10-01dd6d74856c_UmVwb3NpdG9yeVNlcnZpY2VSZXNvdXJjZXMvUmVwb3NpdG9yeVNlcnZpY2VSZXNvdXJjZVR5cGU=::oai:www.ucm.es:20035&url=http://edpillpharmacy.store ed meds cheap
[url=https://www.google.im/url?q=https://edpillpharmacy.store]low cost ed meds[/url] order ed pills online and [url=http://80tt1.com/home.php?mod=space&uid=1518182]discount ed meds[/url] online erectile dysfunction prescription
buy prescription drugs from india Online medicine order or top 10 pharmacies in india
https://www.google.com.fj/url?q=https://indiapharmacy.shop world pharmacy india
[url=http://www.patrick-bateman.com/url?q=https://indiapharmacy.shop]online shopping pharmacy india[/url] п»їlegitimate online pharmacies india and [url=https://103.94.185.62/home.php?mod=space&uid=414550]india online pharmacy[/url] best online pharmacy india
https://indiapharmacy.shop/# top 10 pharmacies in india
indianpharmacy com: Best Indian pharmacy – indian pharmacies safe
http://mexicopharmacy.win/# mexican border pharmacies shipping to usa
top 10 pharmacies in india [url=https://indiapharmacy.shop/#]Indian pharmacy international shipping[/url] buy medicines online in india
http://indiapharmacy.shop/# indian pharmacies safe
https://edpillpharmacy.store/# erectile dysfunction pills online
reputable mexican pharmacies online: Mexico pharmacy online – best online pharmacies in mexico
https://indiapharmacy.shop/# cheapest online pharmacy india
п»їlegitimate online pharmacies india [url=http://indiapharmacy.shop/#]Online pharmacy[/url] best online pharmacy india
http://edpillpharmacy.store/# pills for erectile dysfunction online
buy prescription drugs from india: india pharmacy mail order – cheapest online pharmacy india
https://mexicopharmacy.win/# mexican border pharmacies shipping to usa
mexico pharmacy [url=http://mexicopharmacy.win/#]Mexico pharmacy online[/url] mexican drugstore online
https://mexicopharmacy.win/# reputable mexican pharmacies online
http://edpillpharmacy.store/# buy erectile dysfunction treatment
http://edpillpharmacy.store/# online erectile dysfunction
tamoxifen chemo [url=http://tamoxifen.bid/#]buy tamoxifen online[/url] nolvadex only pct
п»їcytotec pills online https://cytotec.pro/# buy cytotec over the counter
buy furosemide online
buy lisinopril 20 mg online uk [url=http://lisinopril.guru/#]buy lisinopril[/url] buy lisinopril no prescription
ремонт айфонов на дому в москве
buy cytotec over the counter http://furosemide.win/# furosemide 100 mg
lasix tablet
http://lipitor.guru/# lowest price lipitor
buy cytotec https://lipitor.guru/# average cost of generic lipitor
generic lasix
lipitor 40 mg generic price [url=http://lipitor.guru/#]lipitor pill[/url] lipitor 10 mg tablet
https://lipitor.guru/# buy lipitor online
cost of lisinopril lisinopril 0.5 mg or lisinopril from mexico
https://www.google.lv/url?q=https://lisinopril.guru lisinopril 2.5 cost
[url=http://www.kinderverhaltenstherapie.eu/url?q=https://lisinopril.guru]lisinopril 422[/url] zestril price in india and [url=http://german.travel.plus/space-uid-2407.html]order lisinopril 10 mg[/url] lisinopril pharmacy online
lipitor online pharmacy: Atorvastatin 20 mg buy online – buy lipitor 20mg
lipitor 80 mg price in india lipitor 200 mg or canadian pharmacy lipitor
http://pinggu.zx110.org/review_url_lipitor.guru lipitor 5 mg tablet
[url=https://images.google.me/url?sa=t&url=https://lipitor.guru]buy lipitor online[/url] lipitor 20 mg tablet and [url=http://80tt1.com/home.php?mod=space&uid=1561634]generic lipitor price[/url] lipitor generic price
buy cytotec online buy cytotec online fast delivery or cytotec buy online usa
http://www.arakhne.org/redirect.php?url=https://cytotec.pro cytotec online
[url=http://www.atomx.net/redirect.php?url=https://cytotec.pro]buy cytotec in usa[/url] buy cytotec pills and [url=https://slovakia-forex.com/members/275197-swdlsdwzjx]buy cytotec pills[/url] buy cytotec pills
Misoprostol 200 mg buy online https://lisinopril.guru/# lisinopril 2.5
buy lasix online
furosemide 40 mg: buy furosemide – lasix side effects
order cytotec online http://lisinopril.guru/# cheap lisinopril
lasix generic
zestril 2.5 mg lisinopril without prescription or lisinopril 10 mg for sale
https://www.manacomputers.com/redirect.php?blog=B8B2B8%99B884B8%ADB89EB8%B4B880B8%95B8A3B9%8C&url=http://lisinopril.guru%20 price of zestril 30 mg
[url=https://cse.google.bj/url?sa=i&url=http://lisinopril.guru]lisinopril 2[/url] lisinopril over the counter and [url=http://german.travel.plus/space-uid-2209.html]lisinopril in india[/url] lisinopril 10 mg no prescription
lasix dosage: cheap lasix – furosemida
http://tamoxifen.bid/# tamoxifen cyp2d6
alternative to tamoxifen [url=https://tamoxifen.bid/#]Purchase Nolvadex Online[/url] tamoxifen hormone therapy
п»їcytotec pills online buy cytotec over the counter or buy cytotec over the counter
https://www.google.com.pr/url?sa=t&url=https://cytotec.pro buy cytotec pills
[url=http://izgotovlenie.by/forum/away.php?s=http://cytotec.pro]Misoprostol 200 mg buy online[/url] buy cytotec pills online cheap and [url=https://bbs.zzxfsd.com/home.php?mod=space&uid=308259]Cytotec 200mcg price[/url] buy cytotec online fast delivery
zestril: cheap lisinopril – where can i buy lisinopril
http://lisinopril.guru/# lisinopril 10 mg tabs
lipitor brand price lipitor prices compare or buy lipitor online
https://ashbonn.de/umleitung.php?link=lipitor.guru lipitor medication
[url=https://toolbarqueries.google.com.mx/url?q=http://lipitor.guru]lipitor rx cost[/url] lipitor atorvastatin calcium and [url=https://www.jjj555.com/home.php?mod=space&uid=1334324]pfizer lipitor[/url] order lipitor online
nolvadex for pct: where to get nolvadex – cost of tamoxifen
purchase cytotec https://furosemide.win/# lasix side effects
furosemida 40 mg