E

M
T
S
E
V
IN
D
N
A
NT
I
T
C
E
T
O
PR
ON

INVESTMENT &
PROTECTION
PRODUCTS
INSURANCE
MUTUAL
FUNDS
TAX SAVING
PRODUCTS
COMMODITY TRADED
PRODUCTS
REAL ESTATE
INVESTMENT TRUST

INSURANCE
Form of risk management primarily
used to hedge against the risk of a
contingent, uncertain loss.
What is premium?
The amount of money to be charged
for a certain amount of insurance
coverage is called the premium.

INSURANCE ARE OF TWO

TYPES

GENERAL INSURANCE

Motor vehicle insurance

Health insurance

House hold insurance

Personal accident ( and sickness )

LIFE INSURANCE

Term insurance

Permanent life insurance or whole life and

endowment assurance

Ulip ( unit linked products )

Riders

Why to invest in Insurance

Provides excellent peace of mind - it eases concerns

about what will happen to your loved ones if you die
suddenly.
An insurance policy is a relatively low risk investment.
The risk of losses is transferred to insurance company
and it gives the sense of security to businessman.
The large policy holders provide large funds and small
policy holders pay less money in common funds. In the
way the amount of premium becomes equitable.
Insurance is useful device for solving the social
problems. In cash of death provides finance to his
family compensation is available to overcome the
industrial injuries and road accident.
A regular flow of income as in case of money back.

Investment : Unit Linked

Plan
Market linked
returns

Flexibility

Life
protection,
Investment
and Savings

The option to switch between investment

The facility to partially
withdraw from your fund

MUTUAL
FUNDS
What is a mutual fund?

How is the performance of

a scheme calculated?
Who regulates mutual
funds?

Types of Funds
On the
basis of
objective
Equity

On the
basis of
structure
Openended
funds

Debt
Closeended
funds
Hybrid

Investing &
Redeeming
Lumpsum

Investmen
t

Switch

Systematic
Investment
Plan(SIP)

Systematic
Transfer
Plan(STP)
Lumpsum

Redemptio
n

Systematic
Withdrawal
Plan(SWP)

Why should one invest in Mutual Funds

Hedge
Inflation

Diversi
fication

Expert
Manager
s

Higher
Return
Potential

Low Cost
Safety
and
Transpar
-ency

SEBI (Mutual Funds)Regulations 1996

SEBI defines rules which govern Mutual

Fund.
Rules related to the formation,
administration and management of MFs
and prescribe disclosure and accounting
requirements.

AX SAVING INVESTMENT
CONSERVATI
VE

PPF

NSC

TAX SAVING
FD

BALANCED

LIFE
INSURANCE

AGGRESSIV
E
EQUITY
LINKED
SAVINGS
SCEME

ELSS

PPF

NSC

FD

LIFE
INSURANC
E

RETURNS

Marketlinked

8.8%
(comp.
annually)

8.6-8.9%
Depends Depends on
(comp.
on bank company
1/2yearly)

INTEREST
TAXABLE

Dividends,
capital gain
taxfree

Tax free

Taxable

Taxable

LOCK-INPERIOD

3yrs

15yrs

5yrs &
10yrs

5yrs

RISK

High

Low

Low

Low

MIN
INVESTME
NT

500

500

100

100

LIQUIDITY

No

Yes

Yes

No

REAL ESTATE INVESTMENT

TRUST

A company that owns or FINANCES

income- producing real estate.
Modelled after mutual funds
Provide investors of all types regular
income streams, diversification and
long-term capital appreciation.
Pay out all of their taxable income as
dividends to shareholders. In turn,
shareholders pay the income taxes
on those dividends.