Max Life Insurance provides various investment funds that comply with regulatory guidelines and aim to generate returns while diversifying risk. Their controlled funds maintain a portfolio with adequate liquidity and safety according to guidelines. Their ULIP funds strategy is to generate superior risk-adjusted returns by anticipating markets and outperforming benchmarks. They have a stringent investment policy and robust processes to manage risks like credit, market and concentration. Their funds have consistently outperformed benchmarks with balanced, growth and super growth funds providing higher returns through equity exposure.
Explore The Basics of Mutual Funds Online at Mirae AssetShreya Paliwal
Understand the basics, benefits, and investment strategies to make informed decisions & grow your wealth. Know complete details about mutual funds at Mirae Asset.
https://www.miraeassetmf.co.in/
Explore The Basics of Mutual Funds Online at Mirae AssetShreya Paliwal
Understand the basics, benefits, and investment strategies to make informed decisions & grow your wealth. Know complete details about mutual funds at Mirae Asset.
https://www.miraeassetmf.co.in/
About Axis Mutual Fund
Axis Mutual Fund launched its first scheme in October 2009- a challenging period on any account not just for the Indian but the global investor too. Despite this Axis Mutual Fund in less than three years has got off to a good start. Some numbers that bear this out
A-well-rounded product suite that consists of 28 Schemes (4 Equity, 21 Debt, 1Hybrid, 1Gold FOF & 1 Gold ETF)
Over Relaxed 460,000 investors.
Presence in 70 cities with branch office in each
Data as on 31st March, 2013.
Relax. It’s Axis
Relax its Axis is not just our tag line but a philosophy that embodies our three founding principles
Outside view (Speak the Consumer's language)
Long-term relationships – aim at building relationships rather than being transactional
Enduring wealth creation – encourage investors to build
Call for Financial Planning
Re-Consult Advisory Services
09988091143, 09988811143
info@re-consult.in
We are a Quantitative investment group committed to revolutionize the fund management industry in the country. We are using pure quant technique to create a zero loss fund (the fund will always be positive) i.e; all of your losses (if any) will be insured.
It's another new era of digital and marketers are faced with making big bets on their digital strategy. If you are looking at modernizing your tech stack to support your digital evolution, there are a few can't miss (often overlooked) areas that should be part of every conversation. We'll cover setting your vision, avoiding siloes, adding a democratized approach to data strategy, localization, creating critical governance requirements and more. Attendees will walk away with actions they can take into initiatives they are running today and consider for the future.
When most people in the industry talk about online or digital reputation management, what they're really saying is Google search and PPC. And it's usually reactive, left dealing with the aftermath of negative information published somewhere online. That's outdated. It leaves executives, organizations and other high-profile individuals at a high risk of a digital reputation attack that spans channels and tactics. But the tools needed to safeguard against an attack are more cybersecurity-oriented than most marketing and communications professionals can manage. Business leaders Leaders grasp the importance; 83% of executives place reputation in their top five areas of risk, yet only 23% are confident in their ability to address it. To succeed in 2024 and beyond, you need to turn online reputation on its axis and think like an attacker.\
Key Takeaways:
- New framework for examining and safeguarding an online reputation
- Tools and techniques to keep you a step ahead
- Practical examples that demonstrate when to act, how to act and how to recover
About Axis Mutual Fund
Axis Mutual Fund launched its first scheme in October 2009- a challenging period on any account not just for the Indian but the global investor too. Despite this Axis Mutual Fund in less than three years has got off to a good start. Some numbers that bear this out
A-well-rounded product suite that consists of 28 Schemes (4 Equity, 21 Debt, 1Hybrid, 1Gold FOF & 1 Gold ETF)
Over Relaxed 460,000 investors.
Presence in 70 cities with branch office in each
Data as on 31st March, 2013.
Relax. It’s Axis
Relax its Axis is not just our tag line but a philosophy that embodies our three founding principles
Outside view (Speak the Consumer's language)
Long-term relationships – aim at building relationships rather than being transactional
Enduring wealth creation – encourage investors to build
Call for Financial Planning
Re-Consult Advisory Services
09988091143, 09988811143
info@re-consult.in
We are a Quantitative investment group committed to revolutionize the fund management industry in the country. We are using pure quant technique to create a zero loss fund (the fund will always be positive) i.e; all of your losses (if any) will be insured.
It's another new era of digital and marketers are faced with making big bets on their digital strategy. If you are looking at modernizing your tech stack to support your digital evolution, there are a few can't miss (often overlooked) areas that should be part of every conversation. We'll cover setting your vision, avoiding siloes, adding a democratized approach to data strategy, localization, creating critical governance requirements and more. Attendees will walk away with actions they can take into initiatives they are running today and consider for the future.
When most people in the industry talk about online or digital reputation management, what they're really saying is Google search and PPC. And it's usually reactive, left dealing with the aftermath of negative information published somewhere online. That's outdated. It leaves executives, organizations and other high-profile individuals at a high risk of a digital reputation attack that spans channels and tactics. But the tools needed to safeguard against an attack are more cybersecurity-oriented than most marketing and communications professionals can manage. Business leaders Leaders grasp the importance; 83% of executives place reputation in their top five areas of risk, yet only 23% are confident in their ability to address it. To succeed in 2024 and beyond, you need to turn online reputation on its axis and think like an attacker.\
Key Takeaways:
- New framework for examining and safeguarding an online reputation
- Tools and techniques to keep you a step ahead
- Practical examples that demonstrate when to act, how to act and how to recover
A.I. (artificial intelligence) platforms are popping up all the time, and many of them can and should be used to help grow your brand, increase your sales and decrease your marketing costs.In this presentation:We will review some of the best AI platforms that are available for you to use.We will interact with some of the platforms in real-time, so attendees can see how they work.We will also look at some current brands that are using AI to help them create marketing messages, saving them time and money in the process. Lastly, we will discuss the pros and cons of using AI in marketing & branding and have a lively conversation that includes comments from the audience.
Key Takeaways:
Attendees will learn about LLM platforms, like ChatGPT, and how they work, with preset examples and real time interactions with the platform. Attendees will learn about other AI platforms that are creating graphic design elements at the push of a button...pre-set examples and real-time interactions.Attendees will discuss the pros & cons of AI in marketing + branding and share their perspectives with one another. Attendees will learn about the cost savings and the time savings associated with using AI, should they choose to.
Monthly Social Media News Update May 2024Andy Lambert
TL;DR. These are the three themes that stood out to us over the course of last month.
1️⃣ Social media is becoming increasingly significant for brand discovery. Marketers are now understanding the impact of social and budgets are shifting accordingly.
2️⃣ Instagram’s new algorithm and latest guidance will help us maintain organic growth. Instagram continues to evolve, but Reels remains the most crucial tool for growth.
3️⃣ Collaboration will help us unlock growth. Who we work with will define how fast we grow. Meta continues to evolve their Creator Marketplace and now TikTok are beginning to push ‘collabs’ more too.
The digital marketing industry is changing faster than ever and those who don’t adapt with the times are losing market share. Where should marketers be focusing their efforts? What strategies are the experts seeing get the best results? Get up-to-speed with the latest industry insights, trends and predictions for the future in this panel discussion with some leading digital marketing experts.
In this presentation, Danny Leibrandt explains the impact of AI on SEO and what Google has been doing about it. Learn how to take your SEO game to the next level and win over Google with his new strategy anyone can use. Get actionable steps to rank your name, your business, and your clients on Google - the right way.
Key Takeaways:
1. Real content is king
2. Find ways to show EEAT
3. Repurpose across all platforms
Short video marketing has sweeped the nation and is the fastest way to build an online brand on social media in 2024. In this session you will learn:- What is short video marketing- Which platforms work best for your business- Content strategies that are on brand for your business- How to sell organically without paying for ads.
The digital marketing industry is changing faster than ever and those who don’t adapt with the times are losing market share. Where should marketers be focusing their efforts? What strategies are the experts seeing get the best results? Get up-to-speed with the latest industry insights, trends and predictions for the future in this panel discussion with some leading digital marketing experts.
5 big bets to drive growth in 2024 without one additional marketing dollar AND how to adapt to the biggest shifting eCommerce trend- AI.
1) Romance Your Customers - Retention
2) ‘Alternative’ Lead Gen - Advocacy
3) The Beautiful Basics - Conversion Rate Optimization
4) Land that Bottom Line - Profitability
5) Roll the Dice - New Business Models
Top 3 Ways to Align Sales and Marketing Teams for Rapid GrowthDemandbase
In this session, Demandbase’s Stephanie Quinn, Sr. Director of Integrated and Digital Marketing, Devin Rosenberg, Director of Sales, and Kevin Rooney, Senior Director of Sales Development will share how sales and marketing shapes their day-to-day and what key areas are needed for true alignment.
Most small businesses struggle to see marketing results. In this session, we will eliminate any confusion about what to do next, solving your marketing problems so your business can thrive. You’ll learn how to create a foundational marketing OS (operating system) based on neuroscience and backed by real-world results. You’ll be taught how to develop deep customer connections, and how to have your CRM dynamically segment and sell at any stage in the customer’s journey. By the end of the session, you’ll remove confusion and chaos and replace it with clarity and confidence for long-term marketing success.
Key Takeaways:
• Uncover the power of a foundational marketing system that dynamically communicates with prospects and customers on autopilot.
• Harness neuroscience and Tribal Alignment to transform your communication strategies, turning potential clients into fans and those fans into loyal customers.
• Discover the art of automated segmentation, pinpointing your most lucrative customers and identifying the optimal moments for successful conversions.
• Streamline your business with a content production plan that eliminates guesswork, wasted time, and money.
How to Run Landing Page Tests On and Off Paid Social PlatformsVWO
Join us for an exclusive webinar featuring Mariate, Alexandra and Nima where we will unveil a comprehensive blueprint for crafting a successful paid media strategy focused on landing page testing.With escalating costs in paid advertising, understanding how to maximize each visitor’s experience is crucial for retention and conversion.
This session will dive into the methodologies for executing and analyzing landing page tests within paid social channels, offering a blend of theoretical knowledge and practical insights.
The Pearmill team will guide you through the nuances of setting up and managing landing page experiments on paid social platforms. You will learn about the critical rules to follow, the structure of effective tests, optimal conversion duration and budget allocation.
The session will also cover data analysis techniques and criteria for graduating landing pages.
In the second part of the webinar, Pearmill will explore the use of A/B testing platforms. Discover common pitfalls to avoid in A/B testing and gain insights into analyzing A/B tests results effectively.
10 Video Ideas Any Business Can Make RIGHT NOW!
You'll never draw a blank again on what kind of video to make for your business. Go beyond the basic categories and truly reimagine a brand new advanced way to brainstorm video content creation. During this masterclass you'll be challenged to think creatively and outside of the box and view your videos through lenses you may have never thought of previously. It's guaranteed that you'll leave with more than 10 video ideas, but I like to under-promise and over-deliver. Don't miss this session.
Key Takeaways:
How to use the Video Matrix
How to use additional "Lenses"
Where to source original video ideas
Come learn how YOU can Animate and Illuminate the World with Generative AI's Explosive Power. Come sit in the driver's seat and learn to harness this great technology.
In this presentation, Danny Leibrandt explains the impact of AI on SEO and what Google has been doing about it. Learn how to take your SEO game to the next level and win over Google with his new strategy anyone can use. Get actionable steps to rank your name, your business, and your clients on Google - the right way.
Key Takeaways:
1. Real content is king
2. Find ways to show EEAT
3. Repurpose across all platforms
The session includes a brief history of the evolution of search before diving into the roles technology, content, and links play in developing a powerful SEO strategy in a world of Generative AI and social search. Discover how to optimize for TikTok searches, Google's Gemini, and Search Generative Experience while developing a powerful arsenal of tools and templates to help maximize the effectiveness of your SEO initiatives.
Key Takeaways:
Understand how search engines work
Be able to find out where your users search
Know what is required for each discipline of SEO
Feel confident creating an SEO Plan
Confidently measure SEO performance
2. Investment philosophy and strategies
Overall Philosophy
Complying with regulatory (IRDA) guidelines on investment
patterns;
Anticipating and positioning to general economic conditions;
Diversifying investments in terms of asset classes, industry etc.
Addressing and managing risks on account of various factors
like liquidity, credit, market and systemic, interest rate,
inflation, etc.
2
Max Life Insurance
3. Non Linked Fund
(Controlled Fund)
Participating Fund
Non - Participating
Fund
Shareholder’s
Fund
Non linked fund
3
Max Life Insurance
4. Controlled Fund:
Maintaining a portfolio consistent with the liquidity, safety of funds and investment
pattern as per regulatory and internal guidelines across different funds keeping in
view the obligations under funds, if any;
Matching liability characteristics i.e. to have Asset Liabilities Management (ALM)
principles for investments in place;
High weight to safety of investments through robust internal research and
maintaining over 90% of debt portfolio in AAA rated securities
ULIP Fund strategy:
Generating superior risk adjusted returns for the unit-holders consistent with the
investment pattern opted under different UL funds
Beating benchmarks of various funds by anticipating market and taking active calls
Investing primarily in large and mid cap stocks in equity oriented funds
Investment philosophy and strategies
4
Max Life Insurance
5. Minimum AA rating for classifying debt investment as
approved investment.
Minimum proportion of AAA rated debt is 75%
Issuer exposure limited to 10%
Issuer/Group Limit in Controlled Fund: Up to 10% for
both PSU / Pvt corporate and sectors
Investment in Liquid Mutual Funds: Investment upto
12.5% of the fund, no per AMC limit
Equity allocation to Large , Mid cap and small caps: No
such limit
IRDA guidelines for insurer for investment
5
Max Life Insurance
6. IRDA Guideline Max Life Insurance Policy
Min AA rating. Min proportion of AAA
rated debt is 75%.
Min. rating AA+ and very small
allocation to AA (5%). Over 90% in AAA
or equivalent investments.
Issuer exposure 10% In traditional funds, issuer exposure
limited to 4%
Higher allocation to equity, venture
funds and real estate
Equity exposure in traditional funds very
small (less than %5), no venture funds,
no real estate investments.
Issuer/Group Limit in Controlled
Funds: Up to 10% for both PSU / Pvt
corporate and sectors
In Traditional funds, max 3% for private
issuers and 4% for PSU bonds, similar
more stringent sector limits
Max LI insurance investment policy more stringent than
IRDA – 1 of 2
6
Max Life Insurance
7. IRDA Guideline Max Life Insurance Policy
Investment in Liquid Mutual
Funds: Investment upto 12.5% of
the fund, no limit for AMCs
Only upto 5% of fund and not more
than 25% in single AMC
Debt Primary issue: No such limit 10% of proposed issue
Equity allocation to Large , Mid
cap and small caps:
No such limit
No less than 70% in Large caps for
all equity funds
Despite the above restriction, Max Life Insurance investment team has delivered
performance that beats the benchmarks
Max LI insurance investment policy more stringent than
IRDA – 1 of 2
7
Max Life Insurance
8. • A well defined Standard Operating Procedures (SOP) in
place.
• A robust Investment Policy governing investment function
is in place and is reviewed by the Investment Committee of
the Board every half year.
• The Policy and SOP address various risks like credit risk,
market risk, concentration risk etc.
• All transactions are audited on a daily basis by a concurrent
auditor.
• A strong in-house research team aids investment decision
making.
Robust system and process…
8
Max Life Insurance
9. Daily NAV is system calculated and verified by the concurrent auditor
before release thereby mitigating risk on account of in-correct NAV.
Investment function works under the overall supervision of
(a) Working Investment Committee
(b) Investment Committee and
(c) Board.
The investment function is under various audits:
Concurrent audit (100% transactions are checked and reported to
IRDA)
Statutory Audit
Internal Audit
Risk Audit (Once every 2 years by IRDA)
9
Robust system and process…
9
Max Life Insurance
10. INVESTMENT based on RISK APPETITE OF CUSTOMERS
Risk
Return
Secure
Conservative
Balanced
Growth
Growth Super
Money Market
Secure Fund Conservative
Fund
Balanced
Fund
Growth
Fund
0% Equity
100% Fixed Income
Up to 100% Equity
Growth Super
Fund
Money Market
Fund
Max LI insurance offers a range of investment funds
to suit every risk profile
10
Max Life Insurance
11. Fund
Name
Asset Type (% Distribution)
Government
Securities
Corporate
Bonds
Money Market
Instruments
Equities Potential
Risk/Reward
What the fund can do for you?
Growth
Super
Fund
0% - 20% 0% - 20% 0% - 30% 70% - 100% High The fund can provide potential
capital appreciation through
investment in equities of up to
100% of the assets under
management
Growth
Fund
0%-30% 0%-30% 0%-40% 20%-70% High The fund can provide potential
capital appreciation through
investment in equities of up to 70%
of the assets under management
Balanced
Fund
20%-50% 20%-40% 0%-40% 10%-40% Moderate The balanced fund seeks to provide
a mix of capital appreciation
through investment in equities with
a moderate risk level
Conservati
ve Fund
50%-80% 0%-50% 0%-40% 0%-15% Low Higher potential returns than the
Secure Fund as the fund can also
invest up to 15% of it’s corpus in
equities
Secure
Fund
50%-100% 0%-50% 0%-40% Nil Low Potentially higher returns than
Money Market Fund due to
exposure to corporate bonds in
addition to government securities
Money
Market
Fund
Nil Nil 0% – 100% Nil Capital
Preservation
No capital risk due to exposure only
to short-term money market funds
leading to capital protection
11
Max Life Insurance Fund Options
11
Max Life Insurance
12. Note: Annualized returns (CAGR) as at March 2015
8.3%
10.2%
12.0%
15.2%
12.7%
6.0%
7.3%
8.4%
10.5%
13.3%
9.2%
7.1%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
Secured Fund Conservative
Fund
Balanced Fund Growth Fund Growth Super
Fund
Money Market
Fund
Max Life Performance Since Inception Benchmark Return
12
Max LI Insurance Fund Performance
12
Max Life Insurance
13. As of March 2015
Fund Name
Fund Return Benchmark Return Outperformance
Rolling 1
Year
Since
Inception
Rolling 1
Year
Since
Inception
Rolling 1
Year
Since
Inception
Secured Fund 15.70% 8.29% 14.15% 7.30% 1.55% 1.00%
Conservative
Fund
16.78% 10.23% 15.26% 8.44% 1.52% 1.79%
Balanced Fund 20.29% 12.04% 17.64% 10.48% 2.65% 1.57%
Growth Fund 23.81% 15.19% 21.29% 13.34% 2.52% 1.85%
Growth Super
Fund
32.61% 12.73% 26.65% 9.16% 5.96% 3.57%
13
Max LI ULIP funds have consistently outperformed their
respective benchmarks
13
Max Life Insurance