This document provides an introduction to investments and insurance from Blue Sapphire Financial Services. It discusses various investment options like mutual funds, stocks, IPOs, deposits and pensions. It also covers different types of insurance like life, health and general insurance. Key investment principles from Warren Buffett are discussed around capital appreciation, diversification and long term planning. Mutual funds are highlighted as a way to invest in different markets and securities.

1. Blue sapphire Financial Services
Introduction to Investments and Insurance
By Ravi Kumar,
Financial Advisor
Blue Sapphire Financial Services
Mobile: 9900113820 / 9900253820
Email : rk.finadvisor@gmail.com
Web : rkyouradvisor.webs.com

2. Blue sapphire Financial Services
Introduction to Investments and Insurance

3. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Don‟t save after what you have
spent, but spend after what you have
saved”
- Warren Buffet
3

4. Blue Sapphire Financial Services
Introduction to Investments and Insurance
4
*Primary Articles Inflation, also called as "core base raw materials" include food,
tobacco, rubber,…

5. Blue Sapphire Financial Services
Introduction to Investments and Insurance
5
* Your purchasing power has been eroded by 94%

6. Blue Sapphire Financial Services
Introduction to Investments and Insurance
6

7. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Rule No.1: Never lose money.
Rule No.2: Never forget rule No.1!”
- Warren Buffet
7

8. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Key Objective of investing is
Capital Appreciation which
invariably enhances your
purchasing power”
8

9. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 Mutual Funds
 Equities
 Initial Public Offering (IPOs)
 Deposits
 National Pension System (NPS)
9

10. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Mutual fund is a vehicle to
mobilize moneys from investors,
to invest in different markets
securities, in line with the
investment objectives agreed
upon, between the mutual fund
and the investors.”
10

11. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Their primary objective is to
assist investors in earning an
income or building their
wealth, by participating in the
opportunities available in
various securities and
markets.”
11

12. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Mutual funds seek to mobilize money from
all possible investors. Various investors
have different investment preferences. In
order to accommodate these preferences,
mutual funds mobilize different pools of
money. Each such pool of money is called a
mutual fund scheme.”
e.g. Franklin India Bluechip Fund, HDFC Index
Fund (Sensex), HDFC Top 200 Fund, etc.
12

13. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 The investment that an investor makes in a scheme
is translated into a certain number of „Units‟ in the
scheme.
 Under the law, every unit has a face value of Rs. 10.
 The number of units multiplied by its face value
(Rs. 10) is the capital of the scheme – its Unit
Capital.
 The scheme earns interest income or dividend
income on the investments it holds.
 Further,when it purchases and sells investments, it
earns capital gains or incurs capital losses.
13

14. Blue Sapphire Financial Services
Introduction to Investments and Insurance
Investments can be said to have been handled
profitably, if the following profitability metric
is positive:
 (A) +Interest income
 (B) + Dividend income
 (C) + Realized capital gains
 (D) + Valuation gains
 (E) – Realized capital losses
 (F) – Valuation losses
 (G) – Scheme expenses
14

15. Blue Sapphire Financial Services
Introduction to Investments and Insurance
15
“This is the value per unit of the scheme on
a particular day.”
Formula: Unit-holders‟ Funds in the Scheme
No. of Units
E.g. : 217 crores / 20 crores = 10.85

16. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 Only Equity Linked Saving Schemes (ELSS)
are entitled for tax benefits (80C).
 ELSS schemes give investors the benefit
of deduction of the amount invested, from
their income that is liable to tax.
 Dividends received from mutual fund
schemes are also tax-free in the hands of
the investors.
 However, the investment is subject to lock-
in for a period of 3 years.
16

17. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 HDFC Mid-Cap Opportunities Fund
 Reliance Banking Fund
 Tata Balanced Fund
 IDBI Liquid Fund
 UTI Opportunities Fund
 ICICI Pru Focused BlueChip Fund
17

18. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“If you want to be rich…DON‟T
allow yourself the luxury of
excuses.”
- Robert Kiyosaki
18

19. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Equity trading is nothing trading in
the stock market where the investor
directly invests in the shares of one or
more companies.”
e.g. BSE, NSE
19

20. Blue Sapphire Financial Services
Introduction to Investments and Insurance
20
“Initial Public Offering (IPO) is when an
unlisted company makes either a fresh issue
of securities or an offer for sale of its existing
securities or both for the first time to the
public. “

21. Blue Sapphire Financial Services
Introduction to Investments and Insurance
21
“Company Fixed Deposit is the deposit
placed by investors with companies
for a fixed term carrying a prescribed
rate of interest.”

22. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Any Indian citizen between 18 and 55
years can invest in the National
Pension System (NPS), launched by the
Pension Fund Regulatory &
Development Authority (PFRDA).”
Note: NPS offers tax benefits under the newly added
Section 80 CCD(2).
22

23. Blue sapphire Financial Services
Introduction to Investments and Insurance
“Someone's sitting in the shade today
because someone planted a tree a
long time ago.”
– Warren Buffet

24. Blue sapphire Financial Services
Introduction to Investments and Insurance

25. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 Life Insurance
 General Insurance
25

26. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Transfer of Risk is the primary
objective of Insurance”.
26

27. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 Term Insurance
 Whole Life Insurance
 Endowment Plans
 Joint Endowment Plans
 Children‟s Policies
 Money Back Policies
 Annuity Plans
 Market Linked Plans
27
* We offer Life Insurance from Life Insurance Corporation of India (LIC)

28. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 India‟s largest Insurance company
 Winner of some of the most prestigious
awards such as CNBC Awaaz, Outlook Money,
Golden Peacock, etc.
 Total Assets of Rs. 13,17, 416 crores
 Life Fund in excess of Rs.11,51,200 crores
 More than 53 different products
 More than 30 crore customers
28

29. Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Health Insurance offers protection against
the risk of incurring medical expenses
among individuals.”
29

30. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 General Health Insurance
 Critical Illness Insurance
 Personal Accident Insurance
 Travel Insurance
30
*We offer health insurance from Apollo Munich Health Insurance Company

31. Blue Sapphire Financial Services
Introduction to Investments and Insurance
 Founded in 1983, Apollo Group of Hospitals
is the leading chain of specialty hospitals in
India (Dr.Reddy‟s)
 Munich Health Insurance, is the largest health
insurance company in Europe.
 Access to 4,000 hospitals in India
 OPD Treatment & Medicine
 Critical Illness Cover
 Tax benefit under 80D of the IT Act
31

32. Blue sapphire Financial Services
Introduction to Investments and Insurance