Some financial sector and its advantages and disadvantages. Every other slide consist of advantage and disadvantage before that introduction to topic

1. FINANCIAL
SECTORS
By:- Nikhil kumar

2. BANK
A bank is a financial institution that
accepts deposits from the public and
creates credit. Lending activities can be
performed either directly or indirectly
through capital markets. Due to their
importance in the financial stability of
a country, banks are highly regulated
in most countries

3. MERITS
DEMERITS
o Safety and security
o Fixed and assured return
o Loan Faciality
o Easy liquidity
o Fixable investment
o Regulated sector
o Low return
o Penalty in premature withdraw
o No tax benefits

4. STOCK
MARKET
Stock market is a place where equity shares of companies are bought and sold by the
participants. The participants can be investors and traders who seek profits over the short
time or the long run. The investors mainly have a long-term horizon and benefit from capital
appreciation over time. Traders, however, look for quick profits by focusing on the small
price changes in equity shares which mostly last for a few minutes or the whole trading
session.

5. MERITS
DEMERITS
o High chance of return
o Digitalization
o Regulated sector
o Easy liquidity
o Ownership perk
o Verity of option
o Flexible investment
o Highly Volatile
o Fluctuating return
o Huge market knowledge
o Necessity of Demat A/C

6. MUTUAL
FUNDS
A Mutual Fund is a professionally-managed
trust, where the savings from many investors
are collectively invested as one. This money is
then invested in various securities such as
stocks, bonds, short-term money market
instruments and commodities such as
precious metals.

7. MERITS
DEMERITS
o Professional assistance
o Moderate return
o Regulated sector
o Flexible payment return
o Subject to market risk
o No tax benefits
o Brokerage commination

8. Real
Estates
Real estate is a property consisting of the land and buildings on it, the natural resources of
the land including flora and fauna, and livestock. It is a tangible asset and a type of real
property owned by a person. Real property includes land, buildings and their
improvements. It also covers the right to use the land and all its improvements.

9. MERITS
DEMERITS
o Inflection cover
o Secondary income
o Loan facility
o Huge capital required
o Low return
o Low liquidity
o No tax benefits
o Brokerage and commission
o Maintenance charge

10. Gold
There are a plethora of precious metals, but gold
is placed in high regard as an investment. Due to
some influencing factors such as high liquidity
and inflation-beating capacity, gold is one of the
most preferred investments in India. Gold
investment can be done in many forms like
buying jewelry, coins, bars, gold exchange-traded
funds, Gold funds, sovereign gold bond scheme,
etc.
Though there are times when markets see a fall
in the prices of gold but usually it doesn’t last for
long and always makes a strong upturn

11. MERITS
DEMERITS
o Easy liquidity
o Inflection cover
o Loan facility
o Uncertainty
o No tax benefits
o Storage issue
o Making charges
o Lesser resail value
o No passive income

12. Provident
Fund
A provident fund is an investment fund that is
jointly established by the employer and
employee to serve as a long-term savings to
support an employee upon retirement. It also
represents job welfare benefits offered to the
employee.

13. MERITS
DEMERITS
o Long-term saving
o Life insurance coverage
o Low risk
o Limited deduction allowed
o Lack of liquidity
o Taxation on annually
o Interest rate keep changing

14. Post
Office
The post office savings account is a deposit scheme
provided by the post office throughout India. The
account provides a fixed interest rate on the account
balance. It is a beneficial scheme for individual
investors who wish to earn a fixed rate of interest by
investing a significant portion of their financial assets.

15. MERITS
DEMERITS
o Long-term saving
o Life insurance coverage
o Low risk
o Limited deduction allowed
o Lack of liquidity
o Taxation on annually
o Interest rate keep changing

16. Insurance
The insurance sector is made up of companies that offer
risk management in the form of insurance contracts. The
basic concept of insurance is that one party, the insurer, will
guarantee payment for an uncertain future event.
Meanwhile, another party, the insured or the policyholder,
pays a smaller premium to the insurer in exchange for that
protection on that uncertain future occurrence.

17. MERITS
DEMERITS
o High return
o Fixed assured return
o Safety and security
o Tax benefits
o Extra Bonus
o Life cover
o Easy liquidity
o Loan facility
o Flexible investment