2. 14/06/1314/06/13 22
Market and investment optionsMarket and investment options
As market has become too diverse and complicated toAs market has become too diverse and complicated to
be easy for investing your hard earned money. It isbe easy for investing your hard earned money. It is
very important for investor to understand the conceptvery important for investor to understand the concept
of market.of market.
Investment Market is extended to various options thatInvestment Market is extended to various options that
are available for putting money. It includes ancientare available for putting money. It includes ancient
ways to preserve money like saving account, FD,ways to preserve money like saving account, FD,
gold etc as well as modern plans such as Mutualgold etc as well as modern plans such as Mutual
Funds,ULIPs, SIP, equity shares, debentures etc.Funds,ULIPs, SIP, equity shares, debentures etc.
3. 14/06/1314/06/13 33
It’s Your Life…
Financial Knowledge
and planning can
make the difference
We’d Like to help You every step
of the Way
4. 14/06/1314/06/13 44
Times change ... and so do you
You could be
Single
Married
Working
Retired
But you always have your own
Fears
Dreams
Cares
Concerns
That make you Unique
What are your own
goals, financial needs
and concerns?
6. 14/06/1314/06/13 66
There are so many goals,
financial needs and concerns ...
Saving, marriage, travel, holidays,
retirement, car, education, clothes,
entertainment, new home, furniture,
household appliances.
Your Budget
• Income & Deductions
•Essential Expenses
•Balance
Setting goals, planning
and budgeting are
essential
7. 14/06/1314/06/13 77
Use a Timeline to plan & set Goals
TIMELINE
IMMEDIATE SHORT MEDIUM LONG
Emergency Fund Holidays Travel Retirement
Life Cover Travel Upgrading Home Children’s Education
Disability Cover Car New Car Children’s Wedding
Health Cover Household Appliances Children’s Education Bond-free Home
Household Cover Tax Buying New Home Holiday Cottage
Tax New House Reducing Bond
Funeral Renovations Holiday Home
New Furniture
Loans
Own Business
Boat
To achieve financial security You
need adequate financial planning
8. 14/06/1314/06/13 88
PROTECTION WEALTH CREATION
Life and Disability Health Investment Retirement
PROTECTION WEALTH CREATION
Life and Disability Health Investment Retirement
9. 14/06/1314/06/13 99
Planning your Investment
IMMEDIATE SHORT MEDIUM LONG
CASH ASSURANCE
SAVINGS/FIXED DEPOSITS
CO-OPERATIVE SAVINGS SCHEME
INCREASING BOND REPAYMENTS
RETIREMENT
Wise Spreading Risks Budgeting
10. 14/06/1314/06/13 1010
The Right Balance
You cannot always rely on
others to provide for your
financial security
Together they provide financial security
PROTECTION WEALTH
CREATION
LifeLife
HealthHealth
DisabilityDisability
Unit TrustUnit Trust
InvestmentInvestment
RetirementRetirement
PROTECTION WEALTH
CREATION
LifeLife
HealthHealth
DisabilityDisability
Unit TrustUnit Trust
InvestmentInvestment
RetirementRetirement
13. 14/06/1314/06/13 1313
Life Assurance
• Life and permanent disability assurance
provides for you and your dependents in the
event of your death or disability.
Insurance company promises to provide you or
your beneficiaries with a certain amount of
money (either a monthly income or lump sum)
upon your permanent disability or death.
• In return you make periodic payments,
premiums, to the insurance company.
14. 14/06/1314/06/13 1414
Insurance PlansInsurance Plans
Traditional PlansTraditional Plans
These Plans do notThese Plans do not
consider the effect ofconsider the effect of
inflation but provideinflation but provide
assured and preassured and pre
determined returns todetermined returns to
investors and are leastinvestors and are least
risky.risky.
ULIP PlansULIP Plans
These plans provideThese plans provide
inflation proof andinflation proof and
market related returnsmarket related returns
and also riskand also risk
diversification as perdiversification as per
choice of investorchoice of investor
15. 14/06/1314/06/13 1515
Mutual FundsMutual Funds
Mutual Fund companies collect money fromMutual Fund companies collect money from
investors and invest in share market. Investinginvestors and invest in share market. Investing
in mutual funds is also subject to market risksin mutual funds is also subject to market risks
but return is good.but return is good.
These are the best suited investment plans forThese are the best suited investment plans for
investors whose earnings and needs are quiteinvestors whose earnings and needs are quite
uncertain as they offer a unique range of plansuncertain as they offer a unique range of plans
having least or even no locking period and arehaving least or even no locking period and are
generally one time payment plans.generally one time payment plans.
