This document compares insurance and mutual funds in India. It provides background on Stock Holding Corporation of India, which offers custodial and depository services. It then defines insurance and mutual funds, outlining their purposes of risk coverage and investment growth. The document describes types of insurance like life and health, and types of mutual funds like equity and bond funds. It concludes that insurance focuses on risk management while mutual funds focus on wealth creation, so the best option depends on one's goals and risk tolerance.
Hedge funds are investment tools that help institutions like pensions and universities meet their financial goals. They were created in 1949 by Alfred Jones to deliver reliable returns while minimizing risk. Today there are over 9,000 hedge funds globally that invest in different strategies like global macro, event driven, relative value, and equities to generate returns and diversify investments for institutions and high-net-worth individuals. Hedge funds make up over $3 trillion in assets globally.
The document provides an introduction to hedge funds, explaining that they are investment tools used by institutions like pensions and universities to manage risk and diversify investments to help meet financial goals. It describes how hedge funds work, including typical fee structures and regulations around who can invest in them. Various hedge fund strategies are outlined, and data is presented showing that hedge funds have historically achieved higher risk-adjusted returns than other asset classes.
This document provides information about Unit Linked Insurance Plans (ULIPs). It discusses that ULIPs focus on both risk coverage and investments. A portion of ULIP premiums goes towards life insurance coverage, while the remaining amount is invested in funds consisting of stocks and bonds. ULIPs offer flexibility to switch funds and alter life coverage amounts. Charges are deducted from ULIP premiums and ongoing fund values. Overall, ULIPs provide both insurance protection and investment opportunities for long-term goals.
This document is a PowerPoint presentation submitted in partial fulfillment of an MBA degree. It analyzes various products of HDFC Life Insurance Company. The objectives are to understand customer investment preferences, HDFC products, and awareness levels. Primary data was collected through questionnaires while secondary data came from company reports. Most customers insure for savings and family security. Safety is the main investment priority. The presentation provides findings on customer preferences and suggestions for HDFC such as enhancing agent knowledge and introducing rural products.
Mutual funds allow investors to pool their money and have it professionally managed across a variety of securities to achieve diversification and market returns. The Association of Mutual Funds in India regulates the industry and aims to develop ethical standards. Popular mutual fund investment options include systematic investment plans and different types of funds focused on objectives like income, growth, or balancing both. Investing in mutual funds provides benefits like professional management, diversification, liquidity, and lower costs compared to individual investing. However, there are also risks like potential loss of value and lack of control over the fund's portfolio. ULIPs combine life insurance and investment by allocating premiums to both.
The document analyzes investment options among investors in Ludhiana between ULIPs (Unit Linked Insurance Plans) and mutual funds. A survey of 100 investors found that awareness of mutual funds was higher than ULIPs. High income investors and those who refer to brokers were more likely to invest. Open-ended and closed funds were most popular. Insurance benefits and tax breaks drove ULIP investment, while capital appreciation motivated mutual fund investment. Mutual funds were preferred due to greater liquidity and flexibility. Investors expected higher returns from mutual funds than ULIPs. Most wanted to invest for the same tenures in both. Recent ULIP controversies may boost future demand for mutual funds.
The document analyzes and compares ULIPs (Unit Linked Insurance Plans) and mutual funds as investment options among investors in Ludhiana, India. It finds that awareness of mutual funds is higher than ULIPs. High income investors and those who invest in both prefer mutual funds for their flexibility and liquidity. Brokers and references strongly influence investment decisions. Most prefer open-ended and closed funds. Insurance and tax benefits attract ULIP investors, while mutual fund investors prefer capital appreciation. Mutual funds are seen as lower risk and offering higher returns than ULIPs. Most prefer the same investment tenure for both. Recent ULIP controversies may boost future demand for mutual funds.
This document compares insurance and mutual funds in India. It provides background on Stock Holding Corporation of India, which offers custodial and depository services. It then defines insurance and mutual funds, outlining their purposes of risk coverage and investment growth. The document describes types of insurance like life and health, and types of mutual funds like equity and bond funds. It concludes that insurance focuses on risk management while mutual funds focus on wealth creation, so the best option depends on one's goals and risk tolerance.
Hedge funds are investment tools that help institutions like pensions and universities meet their financial goals. They were created in 1949 by Alfred Jones to deliver reliable returns while minimizing risk. Today there are over 9,000 hedge funds globally that invest in different strategies like global macro, event driven, relative value, and equities to generate returns and diversify investments for institutions and high-net-worth individuals. Hedge funds make up over $3 trillion in assets globally.
The document provides an introduction to hedge funds, explaining that they are investment tools used by institutions like pensions and universities to manage risk and diversify investments to help meet financial goals. It describes how hedge funds work, including typical fee structures and regulations around who can invest in them. Various hedge fund strategies are outlined, and data is presented showing that hedge funds have historically achieved higher risk-adjusted returns than other asset classes.
This document provides information about Unit Linked Insurance Plans (ULIPs). It discusses that ULIPs focus on both risk coverage and investments. A portion of ULIP premiums goes towards life insurance coverage, while the remaining amount is invested in funds consisting of stocks and bonds. ULIPs offer flexibility to switch funds and alter life coverage amounts. Charges are deducted from ULIP premiums and ongoing fund values. Overall, ULIPs provide both insurance protection and investment opportunities for long-term goals.
This document is a PowerPoint presentation submitted in partial fulfillment of an MBA degree. It analyzes various products of HDFC Life Insurance Company. The objectives are to understand customer investment preferences, HDFC products, and awareness levels. Primary data was collected through questionnaires while secondary data came from company reports. Most customers insure for savings and family security. Safety is the main investment priority. The presentation provides findings on customer preferences and suggestions for HDFC such as enhancing agent knowledge and introducing rural products.
Mutual funds allow investors to pool their money and have it professionally managed across a variety of securities to achieve diversification and market returns. The Association of Mutual Funds in India regulates the industry and aims to develop ethical standards. Popular mutual fund investment options include systematic investment plans and different types of funds focused on objectives like income, growth, or balancing both. Investing in mutual funds provides benefits like professional management, diversification, liquidity, and lower costs compared to individual investing. However, there are also risks like potential loss of value and lack of control over the fund's portfolio. ULIPs combine life insurance and investment by allocating premiums to both.
The document analyzes investment options among investors in Ludhiana between ULIPs (Unit Linked Insurance Plans) and mutual funds. A survey of 100 investors found that awareness of mutual funds was higher than ULIPs. High income investors and those who refer to brokers were more likely to invest. Open-ended and closed funds were most popular. Insurance benefits and tax breaks drove ULIP investment, while capital appreciation motivated mutual fund investment. Mutual funds were preferred due to greater liquidity and flexibility. Investors expected higher returns from mutual funds than ULIPs. Most wanted to invest for the same tenures in both. Recent ULIP controversies may boost future demand for mutual funds.
The document analyzes and compares ULIPs (Unit Linked Insurance Plans) and mutual funds as investment options among investors in Ludhiana, India. It finds that awareness of mutual funds is higher than ULIPs. High income investors and those who invest in both prefer mutual funds for their flexibility and liquidity. Brokers and references strongly influence investment decisions. Most prefer open-ended and closed funds. Insurance and tax benefits attract ULIP investors, while mutual fund investors prefer capital appreciation. Mutual funds are seen as lower risk and offering higher returns than ULIPs. Most prefer the same investment tenure for both. Recent ULIP controversies may boost future demand for mutual funds.
This document discusses the impact of institutional investors on corporate governance practices. It defines different types of institutional investors like pension funds, mutual funds, insurance companies, and hedge funds. Pension funds and insurance companies are the largest institutional investors, collectively holding over $30 trillion in assets globally. The growth of institutional investors is bringing financial markets and corporate governance standards closer internationally. Countries with more developed pension systems like the US and UK have pension funds as their dominant institutional investors, while insurance companies dominate in countries like Japan, France and Germany. Large pension funds like CalPERS and TIAA-CREF are leading advocates for better corporate governance.
Study on Mutual Fund is the Better Investment PlanProjects Kart
Mutual funds have become a hot favorite of millions of people all over the world. The driving force of mutual fund is the ‘safety of the principal’ guaranteed, plus the added advantage of capital appreciation together with the income earned in the form of interest or dividend. People prefer Mutual Funds to bank deposits, life insurance and even bond because with a little money, they can get into the investment game. One can own string blue chips like ITC, TISCO, Reliance etc., through mutual funds. Thus, mutual funds act as a gateway to enter into big companies hitherto inaccessible to an ordinary investor with his small investment.
Market Research & Customer Satisfaction project on Kotak Mahindra Life InsuranceArjun Dutta
The document provides an overview of the Indian financial system and life insurance industry. It discusses the key components of the Indian financial system, including financial markets, institutions, instruments and regulators. It then describes various types of life insurance policies in India, including term insurance, whole life, endowment policies, and annuities. Finally, it analyzes the life insurance industry in India, noting it is the largest in the world with over 360 million policies and growth rates of 12-15% expected over the next five years. The industry aims to increase insurance penetration to 5% by 2020.
A STUDY ON INVESTOR PERCEPTION OF THE FINANCIAL ADVISORY SERVICES OF PRUDENT CAS LTD. FOR MUTUAL FUNDS, A STUDY ON INVESTOR PERCEPTION OF THE FINANCIAL ADVISORY SERVICES FOR MUTUAL FUNDS..
Analysis of investement options karvy stock broking ltdssskcollege
The document provides an overview of equity investment and stocks. It discusses that stocks represent ownership in a corporation and stock investors make money through stock price appreciation or dividends. It describes the initial public offering process and types of stocks like growth, value, large cap, small cap stocks. It discusses other factors that impact stock prices like price-to-earnings ratio, investor demand, dividends, company earnings and performance, intrinsic value, and stock splits.
This document discusses different types of investments and provides an overview of mutual funds. It defines mutual funds as a trust that pools savings from investors with a common financial goal and invests it in stocks, bonds, and other securities. The document then discusses different types of mutual funds categorized by maturity period (open-ended or close-ended), investment objective (growth, income, balanced, etc.), and sector focus. It also outlines key terms related to mutual funds like NAV, load, portfolio, and expense ratio. Finally, it discusses the growth of the mutual fund industry in India and options for investing in mutual funds online or offline.
This document discusses mutual funds and different types of investments. It begins by defining mutual funds and their structure in India. It then discusses different types of mutual funds categorized by maturity period (open-ended or close-ended) and investment objective (growth, income, balanced, etc.). The document also covers basic terms related to mutual funds, trends in the Indian mutual fund industry, and how to invest in mutual funds online or offline.
The document discusses various types of insurance policies and plans in India. It provides information on key regulatory bodies like IRDA and types of insurers. It also summarizes different kinds of life insurance policies including term plans, whole life plans, endowment plans, annuities and ULIPs (Unit Linked Insurance Plans). ULIPs are described as financial solutions that combine insurance protection with investment opportunities. The mechanics and benefits of ULIPs are explained.
This document provides a summer training project report for Reliance Life Insurance on recruitment of financial advisors. It includes an acknowledgements section, executive summary that identifies different profiles that could join as financial advisors, and sections on the company profile, products and policies, introduction to channel development and recruitment, research methodology, findings, SWOT analysis, suggestions and recommendations. The document also includes contents, questionnaires and bibliography sections. The report provides details on the recruitment project conducted for Reliance Life Insurance.
The document provides an overview of a study conducted on Religare Mutual Fund. It outlines the structure of the project report which includes chapters that focus on the introduction to equity and mutual funds, company profile, research methodology, data analysis, findings, conclusions and recommendations. Key information on types of mutual fund schemes such as open-ended, close-ended, growth, income, balanced and money market funds are also summarized. The advantages of equity capital and mutual funds are highlighted.
This document provides a training report submitted by a student to fulfill requirements for a post-graduate degree in commerce. It includes an introduction to mutual funds, a profile of the company where the training took place (State Bank of India), objectives and methodology of the research project on consumer preferences regarding investment in mutual funds, analysis and findings of the research, and suggestions. The student undertook the training and research project at State Bank of India to study consumer preferences around mutual fund investments.
This document is a project report submitted by Sananthkumar M for the partial fulfillment of an MBA degree. The report analyzes the performance of mutual funds in India. It includes sections on the introduction and concept of mutual funds, advantages and disadvantages of mutual funds, different types of mutual fund schemes in India based on structure, nature and investment objectives. It also discusses topics like mutual fund distribution channels, marketing strategies, workings of mutual funds and major mutual fund companies in India. The document concludes with sections on research methodology and data analysis used in the project.
A project report on mutual fund a safer investmentBabasab Patil
This document discusses mutual funds as a safer investment option compared to other alternatives. It provides an overview of mutual funds, including their structure as a pooled investment vehicle where investors own shares proportionate to their contribution. It also categorizes mutual funds based on their investment objectives such as equity funds, debt funds, balanced funds, and money market funds. Each category is associated with different risk-return profiles. The document aims to educate investors about mutual funds and their benefits over other savings instruments.
A project report on awareness of mutual funds 1Nirali Nayi
This document is a project report submitted by Swati M. Suthar and Nirali D. Nayi for their Advance Diploma in Banking and Insurance at S.K. College of Business Management, HNGU, Patan. The report is about creating awareness of mutual funds and was conducted under the guidance of their faculty member Mr. Nisarg Khamar. It includes a certificate from their guide, preface, acknowledgements, executive summary, and the beginning of the introduction chapter which provides an overview of what a mutual fund is.
Unit Linked Insurance Policies (ULIPs) are life insurance policies that provide both risk coverage and investment. Most ULIPs offer a range of investment funds to suit different risk profiles and time horizons. Returns are not guaranteed as the investment risk is borne by the policyholder. Charges include premium allocation charges, mortality charges, fund management fees, and surrender charges. The document provides answers to frequently asked questions about ULIPs, such as what is a unit fund, benefits payable, consequences of discontinuing premiums, and fund performance reporting.
This document provides an introduction and overview of ULIPs (Unit Linked Insurance Policies) and mutual funds. It discusses that ULIPs combine life insurance with investment aspects, with the policyholder's returns linked to the performance of underlying market-linked instruments. ULIPs offer flexibility to allocate premiums across equity, debt, and balanced funds. Mutual funds allow investors to participate in stock markets without having to buy individual stocks. The document outlines the benefits of ULIPs like life insurance coverage, flexibility to switch funds, and rupee cost averaging of premiums. It also discusses how ULIPs can meet different financial needs at various life stages through their flexibility.
This document provides an introduction and overview of ULIPs (Unit Linked Insurance Policies) and mutual funds. It discusses that ULIPs combine life insurance with investment, with the value of policies linked to the performance of underlying market-linked instruments like stocks and bonds. ULIPs offer flexibility to shift between equity and debt allocations. Mutual funds allow investors to participate in stock and bond markets through diversified portfolios. The document then discusses the benefits and flexibility offered by ULIPs, such as the ability to switch between aggressive, balanced, and conservative options based on market conditions. It also notes that ULIPs, like mutual funds, offer rupee cost averaging through regular or lump sum premium payments.
A Study on Performance of Selected Mutual Fund with Reference to Shriram Mutu...ijtsrd
Mutual funds are becoming a popular avenue for investment. There are numbers of schemes which can satisfy the different needs of investors. Different Asset Under Management companies are launching various schemes with diversified risk. In this Study, an attempt has been made to analyze the Hybrid Equity Fund. This is one schemes of five AMCs has been studied over the period of 5 years. The analysis has been made using a risk return relationship. Sharpe ratio is used as a tool to compare selected mutual fund schemes returns.Mean is used to calculate the average returns of five AMCs for 5 years, Standard deviation is used for risk. From the analysis, it is found that Shriram Hybrid equity Fund and Adithya hybrid Equity funds shows better performance when compared to ICICI, HDFC and NIPPON Hybrid Equity Fund. M. Nagasekhar | Dr. P. Basaiah "A Study on Performance of Selected Mutual Fund with Reference to Shriram Mutual Fund, Anantapururamu" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd51853.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/51853/a-study-on-performance-of-selected-mutual-fund-with-reference-to-shriram-mutual-fund-anantapururamu/m-nagasekhar
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This document discusses the impact of institutional investors on corporate governance practices. It defines different types of institutional investors like pension funds, mutual funds, insurance companies, and hedge funds. Pension funds and insurance companies are the largest institutional investors, collectively holding over $30 trillion in assets globally. The growth of institutional investors is bringing financial markets and corporate governance standards closer internationally. Countries with more developed pension systems like the US and UK have pension funds as their dominant institutional investors, while insurance companies dominate in countries like Japan, France and Germany. Large pension funds like CalPERS and TIAA-CREF are leading advocates for better corporate governance.
Study on Mutual Fund is the Better Investment PlanProjects Kart
Mutual funds have become a hot favorite of millions of people all over the world. The driving force of mutual fund is the ‘safety of the principal’ guaranteed, plus the added advantage of capital appreciation together with the income earned in the form of interest or dividend. People prefer Mutual Funds to bank deposits, life insurance and even bond because with a little money, they can get into the investment game. One can own string blue chips like ITC, TISCO, Reliance etc., through mutual funds. Thus, mutual funds act as a gateway to enter into big companies hitherto inaccessible to an ordinary investor with his small investment.
Market Research & Customer Satisfaction project on Kotak Mahindra Life InsuranceArjun Dutta
The document provides an overview of the Indian financial system and life insurance industry. It discusses the key components of the Indian financial system, including financial markets, institutions, instruments and regulators. It then describes various types of life insurance policies in India, including term insurance, whole life, endowment policies, and annuities. Finally, it analyzes the life insurance industry in India, noting it is the largest in the world with over 360 million policies and growth rates of 12-15% expected over the next five years. The industry aims to increase insurance penetration to 5% by 2020.
A STUDY ON INVESTOR PERCEPTION OF THE FINANCIAL ADVISORY SERVICES OF PRUDENT CAS LTD. FOR MUTUAL FUNDS, A STUDY ON INVESTOR PERCEPTION OF THE FINANCIAL ADVISORY SERVICES FOR MUTUAL FUNDS..
Analysis of investement options karvy stock broking ltdssskcollege
The document provides an overview of equity investment and stocks. It discusses that stocks represent ownership in a corporation and stock investors make money through stock price appreciation or dividends. It describes the initial public offering process and types of stocks like growth, value, large cap, small cap stocks. It discusses other factors that impact stock prices like price-to-earnings ratio, investor demand, dividends, company earnings and performance, intrinsic value, and stock splits.
This document discusses different types of investments and provides an overview of mutual funds. It defines mutual funds as a trust that pools savings from investors with a common financial goal and invests it in stocks, bonds, and other securities. The document then discusses different types of mutual funds categorized by maturity period (open-ended or close-ended), investment objective (growth, income, balanced, etc.), and sector focus. It also outlines key terms related to mutual funds like NAV, load, portfolio, and expense ratio. Finally, it discusses the growth of the mutual fund industry in India and options for investing in mutual funds online or offline.
This document discusses mutual funds and different types of investments. It begins by defining mutual funds and their structure in India. It then discusses different types of mutual funds categorized by maturity period (open-ended or close-ended) and investment objective (growth, income, balanced, etc.). The document also covers basic terms related to mutual funds, trends in the Indian mutual fund industry, and how to invest in mutual funds online or offline.
The document discusses various types of insurance policies and plans in India. It provides information on key regulatory bodies like IRDA and types of insurers. It also summarizes different kinds of life insurance policies including term plans, whole life plans, endowment plans, annuities and ULIPs (Unit Linked Insurance Plans). ULIPs are described as financial solutions that combine insurance protection with investment opportunities. The mechanics and benefits of ULIPs are explained.
This document provides a summer training project report for Reliance Life Insurance on recruitment of financial advisors. It includes an acknowledgements section, executive summary that identifies different profiles that could join as financial advisors, and sections on the company profile, products and policies, introduction to channel development and recruitment, research methodology, findings, SWOT analysis, suggestions and recommendations. The document also includes contents, questionnaires and bibliography sections. The report provides details on the recruitment project conducted for Reliance Life Insurance.
The document provides an overview of a study conducted on Religare Mutual Fund. It outlines the structure of the project report which includes chapters that focus on the introduction to equity and mutual funds, company profile, research methodology, data analysis, findings, conclusions and recommendations. Key information on types of mutual fund schemes such as open-ended, close-ended, growth, income, balanced and money market funds are also summarized. The advantages of equity capital and mutual funds are highlighted.
This document provides a training report submitted by a student to fulfill requirements for a post-graduate degree in commerce. It includes an introduction to mutual funds, a profile of the company where the training took place (State Bank of India), objectives and methodology of the research project on consumer preferences regarding investment in mutual funds, analysis and findings of the research, and suggestions. The student undertook the training and research project at State Bank of India to study consumer preferences around mutual fund investments.
This document is a project report submitted by Sananthkumar M for the partial fulfillment of an MBA degree. The report analyzes the performance of mutual funds in India. It includes sections on the introduction and concept of mutual funds, advantages and disadvantages of mutual funds, different types of mutual fund schemes in India based on structure, nature and investment objectives. It also discusses topics like mutual fund distribution channels, marketing strategies, workings of mutual funds and major mutual fund companies in India. The document concludes with sections on research methodology and data analysis used in the project.
A project report on mutual fund a safer investmentBabasab Patil
This document discusses mutual funds as a safer investment option compared to other alternatives. It provides an overview of mutual funds, including their structure as a pooled investment vehicle where investors own shares proportionate to their contribution. It also categorizes mutual funds based on their investment objectives such as equity funds, debt funds, balanced funds, and money market funds. Each category is associated with different risk-return profiles. The document aims to educate investors about mutual funds and their benefits over other savings instruments.
A project report on awareness of mutual funds 1Nirali Nayi
This document is a project report submitted by Swati M. Suthar and Nirali D. Nayi for their Advance Diploma in Banking and Insurance at S.K. College of Business Management, HNGU, Patan. The report is about creating awareness of mutual funds and was conducted under the guidance of their faculty member Mr. Nisarg Khamar. It includes a certificate from their guide, preface, acknowledgements, executive summary, and the beginning of the introduction chapter which provides an overview of what a mutual fund is.
Unit Linked Insurance Policies (ULIPs) are life insurance policies that provide both risk coverage and investment. Most ULIPs offer a range of investment funds to suit different risk profiles and time horizons. Returns are not guaranteed as the investment risk is borne by the policyholder. Charges include premium allocation charges, mortality charges, fund management fees, and surrender charges. The document provides answers to frequently asked questions about ULIPs, such as what is a unit fund, benefits payable, consequences of discontinuing premiums, and fund performance reporting.
This document provides an introduction and overview of ULIPs (Unit Linked Insurance Policies) and mutual funds. It discusses that ULIPs combine life insurance with investment aspects, with the policyholder's returns linked to the performance of underlying market-linked instruments. ULIPs offer flexibility to allocate premiums across equity, debt, and balanced funds. Mutual funds allow investors to participate in stock markets without having to buy individual stocks. The document outlines the benefits of ULIPs like life insurance coverage, flexibility to switch funds, and rupee cost averaging of premiums. It also discusses how ULIPs can meet different financial needs at various life stages through their flexibility.
This document provides an introduction and overview of ULIPs (Unit Linked Insurance Policies) and mutual funds. It discusses that ULIPs combine life insurance with investment, with the value of policies linked to the performance of underlying market-linked instruments like stocks and bonds. ULIPs offer flexibility to shift between equity and debt allocations. Mutual funds allow investors to participate in stock and bond markets through diversified portfolios. The document then discusses the benefits and flexibility offered by ULIPs, such as the ability to switch between aggressive, balanced, and conservative options based on market conditions. It also notes that ULIPs, like mutual funds, offer rupee cost averaging through regular or lump sum premium payments.
A Study on Performance of Selected Mutual Fund with Reference to Shriram Mutu...ijtsrd
Mutual funds are becoming a popular avenue for investment. There are numbers of schemes which can satisfy the different needs of investors. Different Asset Under Management companies are launching various schemes with diversified risk. In this Study, an attempt has been made to analyze the Hybrid Equity Fund. This is one schemes of five AMCs has been studied over the period of 5 years. The analysis has been made using a risk return relationship. Sharpe ratio is used as a tool to compare selected mutual fund schemes returns.Mean is used to calculate the average returns of five AMCs for 5 years, Standard deviation is used for risk. From the analysis, it is found that Shriram Hybrid equity Fund and Adithya hybrid Equity funds shows better performance when compared to ICICI, HDFC and NIPPON Hybrid Equity Fund. M. Nagasekhar | Dr. P. Basaiah "A Study on Performance of Selected Mutual Fund with Reference to Shriram Mutual Fund, Anantapururamu" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd51853.pdf Paper URL: https://www.ijtsrd.com/other-scientific-research-area/other/51853/a-study-on-performance-of-selected-mutual-fund-with-reference-to-shriram-mutual-fund-anantapururamu/m-nagasekhar
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1. See discussions, stats, and author profiles for this publication at: https://www.researchgate.net/publication/334537559
comparative analysis of unit linked insurance plans and mutual funds
Research · April 2016
DOI: 10.13140/RG.2.2.29126.83528
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2. Rai P. & Kenneth A.B., J. Harmoniz. Res. Mgmt. 2016, 2(4), 282-285
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Introduction: In this generation insurance subscribers always look out for insurance
policies with unique features, which has assured
returns by single public enterprise, in this view
Unit-Linked Insurance plans are the best
insurance products to subscribe. Low risk as
attractive returns has faded out, moderate
interest rate introduced by insurance products
Journal Of Harmonized Research in Management
2(4), 2016, 282-285
COMPARATIVE ANALYSIS OF UNIT LINKED INSURANCE PLANS AND MUTUAL FUNDS
Priti Rai and Amoah-Binfoh Kenneth
Joseph School of Business, (Hospital Management and International Business)
Shiats, University, Allahabad, U.P India.
Original Research Article
Journal Of Harmonized Research (JOHR)
ISSN 2454-5384
Abstract: - In the 21st
century the purpose of insurance mode of risk transfer is to provide economic
protection against the losses that may be incurred but to chance events such as death, disability, and
economic losses. India is still a relatively under penetrated market when it comes to paying for
financial advice. Most investors are not comfortable paying a fee when it comes to receiving financial
advice and even more so in years where the market sees greater volatility and when there may be
potential losses on investments. Mutual fund is the pool of the money, based on the trust who invests
the savings of a number of investors who shares a common financial goal, like the capital appreciation
and dividend earning. The money thus collect is then invested in capital market instruments such as
shares, debenture, and foreign market. A unit-linked insurance plan is a multi-featured product that
combines the benefit of insurance, risk sharing and investment. The investment in a unit linked
insurance plan works like a mutual fund and does not come with guaranteed returns, unlike money
back, whole-life or endowment policies. The objectives of the study were to examine the awareness
level in the market for Unit Linked Insurance Plans (ULIPs) and Mutual Fund, to find the most popular
investment avenues among sample of investors, also to find the importance of various investments
based parameters among sample of investors, to identify the potential customers across locations, age-
groups, profession and to get an idea of customer expectations in terms of rate of return. It was found
out that, major of the target audience have been insured, also must people prefer Unit Linked Insurance
Plans to mutual funds and it was also found that the respondent prefer moderate risk moderate return.
Keywords: Mutual funds, Unit linked, Insurance, Risk
3. Rai P. & Kenneth A.B., J. Harmoniz. Res. Mgmt. 2016, 2(4), 282-285
www.johronline.com 283 | P a g e
like endowment plans; has a much needed
degree of rationality. An increased in equity
markets and the development of new breed of
market-linked insurance products like ULIPs.
These features are unique and ensures attractive
returns on investments. Antecedently, in
traditional insurance products, the insurance
elements come before the savings, whereas in
the ULIPs contrary to the above statement is
true. Most especially, ULIPs has a very large
number of options for investors, this helps the
investor to choose the insurance product which
correspond to the risk profile; for example in
this scenario a risk lover will surely shun
traditional endowment plans, which only invests
85% of their funds in debt instruments, this is to
the advantage of ULIPs which can virtually
invest all its equities.
Mutual Funds operate as collective investment
vehicles (CIV) that pools resources by issuing
units to investors and collectively invests those
resources in a diversified portfolio comprising of
stocks, bonds or liquid assets as financial
instruments which harmonizes the purpose
stated in the proposal of the codified documents
of pooling resources. The investors share the
profit or losses in proportion to their investments
in the fund. In 1964, Unit trust of incredible
India was established as Mutual fund. This was
followed by entry of MFs supported by public
sector banks and insurance companies in 1987.
The industry was opened for the private players
in 1993 providing Indian investors with a
broader choice. Starting with an asset base of
Rs. 25 crore in 1964, the industry has grown
exponentially.
Objectives:
(1) To examine the awareness level of Unit
Linked Insurance Plans (ULIPs) and Mutual
Fund market.
(2) To examine the most popular investment
avenues among sample of investors.
(3) To identify the importance of various
investments based parameters among sample of
investors.
Literature Review: Security and Exchange
Board of India monitors the Mutual Fund
industry, it lays its principles and norms both
Mutual Funds and Asset Managing Companies
(AMCs). Similarly, there are legal structures
which are common under Mutual Funds which
allows open-ended and closed-ended schemes.
Asset Management Companies monitors all
Mutual fund systems. Financial and non-
financial institutions have backed these AMCs,
either collaborated efforts’ or single- handedly
with very renowned intercontinental firms. Most
intercontinental firms like Alliance and
Templeton are working effectively in India.
Many intercontinental Mutual fund giants are
preparing to launch out in the Indian future
market.
ULIPs first-rate payments is the main
constituent of traditional insurance products, the
lump sum assured is the corner stone. In terms
of structure and operations both mutual funds
ULIPS works together, the same units and Net
Asset Value (NAV) are converted and declared
simultaneously. In this type of insurance the
investors have the right to improve their
insurance cover, adjusting their premium
payments and even deciding for a unique asset
allocation than the original one they decided for.
This calls for enhanced flexibility in ULIPs.
Insurance is risk transfer mechanism, when
investors realized they cannot bear their risk
then they transfer it to insurance companies.
Investors transfer risk because of the fear of
future. In ULIPs higher amount are paid to the
insured in case of uncertainties, whereas in the
traditional products the sum assured is paid plus
the accrued bonuses. ULIPs represents the new
face of insurance; because it has brought
elasticity in the traditional insurance products.
There are very attractive features in ULIPS than
the traditional insurance products. ULIPs can
4. Rai P. & Kenneth A.B., J. Harmoniz. Res. Mgmt. 2016, 2(4), 282-285
www.johronline.com 284 | P a g e
contribute to one’s insurance portfolio and
financial planning.
For the unexperienced, understanding of the
operations of ULIPs can be little bit tricky.
Higher expenses, inflexible defined insurance
and investment elements has influence of
markets on the ULIPs which makes it a bit
difficult scheme. ULIPs ensures maximum
cooperation of the insured, whereas the
traditional insurance subscribers are passive
controlled the premium payments. In all the
ULIPs operations and activities are complex as
compared to the traditional system.
Strategic Charges and Expenses: Tax
deduction and life cover benefits are added to
ULIPs which works like mutual fund. Financial
instruments like government securities, shares,
bonds, debentures, the money market and
equities are general options to invest the
premiums. The main difference between
traditional life savings-based insurance like
endowment and ULIPs is the investment
obligations. In ULIPs 100% of the premium can
be invested into varying portfolios, the
percentage is much lower mostly up to 15% in
conventional insurance plans case. ULIPs has
attractive multi-optional like ‘aggressive’
ULIPs premium can be invest up to 100% in
equities, ‘balance’ ULIPs can invest 40-60% in
equities and ‘debt’ ULIPs can only invest debt
and money market instruments.
Methodology: This shows how the study was
conducted using the very corrective methods. To
ensure that all aspects of this descriptive
research are analyzed critically before drawing
relevant conclusions, both quantitative and
qualitative approaches were employed. The
sample size of 50 respondents was used. The
sampling technique used for the study was
census sampling. Since the sample size was
small everybody stands a chance of been
selected. This method was adopted because of
its conveniences, close at hand and easy access
approach.
Data Analysis
Items N0 of
respondents
(n=50)
Percentage
(100%)
Gender
Male
Female
32
18
64
36
Age
20-30
31-40
41-50
Above 50
16
20
9
5
32
40
18
10
Monthly
income
10-20k
21-40k
41-60k
Above 61k
5
16
8
21
10
32
16
42
Are you insured
Yes
No
37
13
74
26
Awareness of
MF and ULIP
Yes
No
30
20
70
30
Do you make
any investment?
Yes
No
38
12
76
24
The most
important
parameter
High returns
Safety
Liquidity
Tax free
proceeds
Flexibility
Transparency
12
9
4
10
8
7
24
18
8
20
16
14
Interpretation: From the above table it can be
seen that 32 respondents’ represents 64% are
male and 18 respondents’ represents 36% are
female. It can be also be observed that 16
respondents representing 32% are within the age
bracket of 20-30. It can be explained from the
5. Rai P. & Kenneth A.B., J. Harmoniz. Res. Mgmt. 2016, 2(4), 282-285
www.johronline.com 285 | P a g e
table that, 20 respondents representing 40% are
within the age bracket of 31-40. It can be seen
that 9 respondents representing 18% are within
the age bracket of 41-50.It also can be seen that
5 respondents representing 10% are within the
age bracket of above-50. From the table it can
be seen that 5 respondents representing 10 % are
within the income bracket of 10-20k. From the
table It can be seen that 16 respondents
representing 32 % are within the income bracket
of 21-40k. From the table It can be seen that 8
respondents representing 16 % are within the
income bracket of 41-60k. From the table It can
be seen that 21 respondents representing 42 %
are within the income bracket of above-60k.
From the table it can also be seen that 37
respondents representing 74% are insured, whist
13 respondents representing 26% are not
insured.. From the table it can also be seen that
30 respondents representing 70% are aware of
MF &ULIP, whist 20 respondents representing
30% are not aware of MF & ULIP.. From the
table it can also be seen that 38 respondents
representing 76% have investment portfolio,
whist 12 respondents representing 24% do not
have investment portfolio.. From the table it can
also be seen that 12 respondents representing
24% agree that high returns is most important
parameter, whist 10 respondents representing
20% agree that tax free proceeds is also most
important parameter.
Finding and Conclusion: It was found that the
more males then female then also find out that
31-40 age group of peoples who invest. The
monthly income of respondents was between 21-
40k. It was also found that majority of
respondents insure and the majority of
respondents aware of M.F and ULIPS. Majority
of respondents have investment portfolio. It was
found out that the most important parameters are
high returns and tax free proceeds. Aggressive
marketing and mass awareness programmes
need to be conducted to realize the actual
potential of this product. ULIPs form an
attractive investment avenue and have a lot of
potential for growth.
Reference
• www.thehindubusinessline.com
• http://ia.rediff.com/money
• Outlook Money May, 2006
• www.economictimes.com
• www.timesofindia.com
• www.mutualfudsindia.com
• www.traderji.com
• www.timesmoney.com
• http://insuranceproductinfo.blogspot.com/200
8/03/comparison-of-ulip-funds-vs-mutual-
fund.html
• www.maxnewyorklife.com
• http://www.sciencedirect.com/science/art
• http://www.vanguard.com/pdf/icrrol.pdf
• http://www.moneycontrol.com/investor-edu
• https://issuu.com/ritikashah11998/docs/u
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