If you are Planning to Invest your Money the best way to have maximum returns is in Insurance . check the Slide for more....

1. SHARE MARKET
A stock market is the aggregation of buyers and
sellers of stocks which represent ownership claims on
businesses .

2. DEMERITS 0F SHARE MARKET
 CAPITAL NOT SECURE
 INTEREST NOT GUARENTEED
 FLUCTUATIONS OF FUNDS
 REQUIRED PROPER KNOWLEDGE AND EXPERIENCE
 NO SECTION 80C , 80D , NO SECTION 10 10D
 NO LIFE COVER

3. MUTUAL FUNDS
A mutual fund is a professionally managed
investment fund that pools money from many
investors to purchase securities.
They are generally the most common investment
vehicle for retirement plans

4. DEMERITS 0F MUTUAL FUNDS
 CAPITAL NOT SECURE
 INTEREST NOT GUARENTEED
 FLUCTUATIONS OF FUNDS
 REQUIRED PROPER KNOWLEDGE AND EXPERIENCE
 NO SECTION 80C , 80D , NO SECTION 10 10D
 NO LIFE COVER

5. FIXED DEPOSITS
A fixed deposit (FD) is a financial instrument
provided by banks which provides investors with a
higher rate of interest than a regular savings account,
until the given maturity date. It may or may not
require the creation of a separate account.
Fixed deposits are a high-interest -yielding Term
deposit and offered by banks

6. DEMERITS 0F FIXED DEPOSITS
 LOW INTEREST RATE
 NO LIFE COVER
 NO 80C , NO 10 10D : one cannot take the tax benefit from this investment.
 As far as taxation is concerned fixed deposits are taxed at normal rates of taxation
and hence one cannot take the tax benefit from this investment.

7. GOLD
 GOLD IS ANOTHER FINANCIAL INSTRUMENT IN WHICH
PEOPLE INVEST THEIR MONEY , GOLD IS BUYED FROM
BANKS , THEN PEOPLE PEOPLE CONVERT IT INTO
ORNAMENTS .

8. DEMERITS 0F INVESTING IN GOLD
 NO LIFE COVER
 INFLATION CAN BE A FACTOR
 NO TAX REBATES
 LOW RETURNS
 CANNOT TRANSFERABLE FROM ONE PLACE TO ANOTHER
 STORAGE ISSUE (one needs to pay the locker maintenance charges each year)

9. REAL ESTATE
 REAL ESTATE IS ALSO ONE OF THE INSTRUMENT WHERE
PEOPLE CAN INVEST THEIR MONEY IN PROPERTIES .
 REAL ESTATE ARE USED TO INVEST BIG AMOUNT LIKE 40
LACS , IT IS OUT OF THE REACH OF COMMON MAN BUT IN
INSURANCE ONE CAN INVEST 20 THOUSAND .

10. DEMERITS OF REAL ESTATE
 BLOCKING OF FUND
 INTEREST NOT GURANTEED
 NO LIFE COVER
 NO TAX REBATES
 FLUCTUATIONS OF FUND

11. EMPLOYEE PROVIDENT FUND
 EPF IS DEDUCTION FROM THE SALARY OF EMPLOYEE WHICH HE CAN WITHDRAW
AFTER LEAVING HIS CURRENT JOB .

12. DEMERITS OF EPF
 NO LIFE COVER
 NO TAX REBATES
 LOW RETURNS
 ONLY FOR SERVICES MEN

13. PUBLIC PROVIDENT FUND
 IN PPF ONE CAN INVEST 500 T0 1.5 LACS WITH ONE PAN CARD
 THE CURRENT INTEREST RATE EFFECTIVE FROM 1 APRIL 21016 IS 7.9%

14. DEMERITS OF PPF
 NO LIFE COVER
 WITHDRAW PROBLEM
 DECENTRALIZED
 INVEST UPTO 500 TO 1.5 LACS
 LOCKING OF 15 YEARS

15. POST OFFICE

16. DEMERITS OF POST OFFICE
 WITHDRAW PROBLEM
 LACK OF SERVICES
 NO GROWTH IN THE SECTOR
 FUND BLOCKAGE
 INTEREST RATE IS 7.9%
 DECENTALIZED

17. PENSION
PENSION IS AMOUNT WHICH EMPLOYEE GET AFTER
HIS RETIREMENT AFTER 60 YEARS OF AGE ,
PENSION ARE GIVEN TO GOVERNMENT , PUBLIC
EMPLOYEES AND TO WIDOWS .

18. DEMERITS OF PENSION
 NO TAX REBATES
 BLOCKAGE OF FUNDS
 LOW RETURNS
 INTEREST NOT GUARENTEED

19. INSURANCE
 CAPITAL SECURED
 INTEREST IS GUARENTEED
 FLUCTUATIONS ARE FIXED
 80C , 80D ( TAX BENEFITS )
 NO FUND BLOCKAGE ( NO COMPULSION TO WITHDRAW MONEY )