14/06/1314/06/13 22Market and investment optionsMarket and investment options As market has become too diverse and complicated toAs market has become too diverse and complicated tobe easy for investing your hard earned money. It isbe easy for investing your hard earned money. It isvery important for investor to understand the conceptvery important for investor to understand the conceptof market.of market. Investment Market is extended to various options thatInvestment Market is extended to various options thatare available for putting money. It includes ancientare available for putting money. It includes ancientways to preserve money like saving account, FD,ways to preserve money like saving account, FD,gold etc as well as modern plans such as Mutualgold etc as well as modern plans such as MutualFunds,ULIPs, SIP, equity shares, debentures etc.Funds,ULIPs, SIP, equity shares, debentures etc.
14/06/1314/06/13 33It’s Your Life…Financial Knowledgeand planning canmake the differenceWe’d Like to help You every stepof the Way
14/06/1314/06/13 44Times change ... and so do youYou could be SingleMarriedWorkingRetiredBut you always have your ownFearsDreamsCaresConcernsThat make you UniqueWhat are your owngoals, financial needsand concerns?
14/06/1314/06/13 66There are so many goals,financial needs and concerns ...Saving, marriage, travel, holidays,retirement, car, education, clothes,entertainment, new home, furniture,household appliances.Your Budget• Income & Deductions•Essential Expenses•BalanceSetting goals, planningand budgeting areessential
14/06/1314/06/13 77Use a Timeline to plan & set GoalsTIMELINEIMMEDIATE SHORT MEDIUM LONGEmergency Fund Holidays Travel RetirementLife Cover Travel Upgrading Home Children’s EducationDisability Cover Car New Car Children’s WeddingHealth Cover Household Appliances Children’s Education Bond-free HomeHousehold Cover Tax Buying New Home Holiday CottageTax New House Reducing BondFuneral Renovations Holiday HomeNew FurnitureLoansOwn BusinessBoatTo achieve financial security Youneed adequate financial planning
14/06/1314/06/13 88PROTECTION WEALTH CREATIONLife and Disability Health Investment RetirementPROTECTION WEALTH CREATIONLife and Disability Health Investment Retirement
14/06/1314/06/13 99Planning your InvestmentIMMEDIATE SHORT MEDIUM LONGCASH ASSURANCESAVINGS/FIXED DEPOSITSCO-OPERATIVE SAVINGS SCHEMEINCREASING BOND REPAYMENTSRETIREMENTWise Spreading Risks Budgeting
14/06/1314/06/13 1010The Right BalanceYou cannot always rely onothers to provide for yourfinancial securityTogether they provide financial securityPROTECTION WEALTHCREATIONLifeLifeHealthHealthDisabilityDisabilityUnit TrustUnit TrustInvestmentInvestmentRetirementRetirementPROTECTION WEALTHCREATIONLifeLifeHealthHealthDisabilityDisabilityUnit TrustUnit TrustInvestmentInvestmentRetirementRetirement
14/06/1314/06/13 1313Life Assurance• Life and permanent disability assuranceprovides for you and your dependents in theevent of your death or disability.Insurance company promises to provide you oryour beneficiaries with a certain amount ofmoney (either a monthly income or lump sum)upon your permanent disability or death.• In return you make periodic payments,premiums, to the insurance company.
14/06/1314/06/13 1414Insurance PlansInsurance Plans Traditional PlansTraditional PlansThese Plans do notThese Plans do notconsider the effect ofconsider the effect ofinflation but provideinflation but provideassured and preassured and predetermined returns todetermined returns toinvestors and are leastinvestors and are leastrisky.risky. ULIP PlansULIP PlansThese plans provideThese plans provideinflation proof andinflation proof andmarket related returnsmarket related returnsand also riskand also riskdiversification as perdiversification as perchoice of investorchoice of investor
14/06/1314/06/13 1515Mutual FundsMutual Funds Mutual Fund companies collect money fromMutual Fund companies collect money frominvestors and invest in share market. Investinginvestors and invest in share market. Investingin mutual funds is also subject to market risksin mutual funds is also subject to market risksbut return is good.but return is good. These are the best suited investment plans forThese are the best suited investment plans forinvestors whose earnings and needs are quiteinvestors whose earnings and needs are quiteuncertain as they offer a unique range of plansuncertain as they offer a unique range of planshaving least or even no locking period and arehaving least or even no locking period and aregenerally one time payment plans.generally one time payment plans.