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Market RelatedInvestment Options

Neeraj Dhiman

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Market and investment optionsMarket and investment options

As market has become too diverse and complicated to As market has become too diverse and complicated to be easy for investing your hard earned money. It is be easy for investing your hard earned money. It is very important for investor to understand the concept very important for investor to understand the concept of market.of market.

Investment Market is extended to various options that Investment Market is extended to various options that are available for putting money. It includes ancient are 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 Mutual gold etc as well as modern plans such as Mutual Funds,ULIPs, SIP, equity shares, debentures etc.Funds,ULIPs, SIP, equity shares, debentures etc.

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It’s Your Life…

Financial Knowledge and planning can make the difference

We’d Like to help You every step of the Way

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Times change ... and so do you

You could be SingleMarriedWorkingRetired

But you always have your ownFearsDreamsCaresConcerns

That make you Unique

What are your owngoals, financial needsand concerns?

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AccumulationAccumulationOf WealthOf WealthAccumulationAccumulationOf WealthOf Wealth

ConservationConservationOf WealthOf WealthConservationConservationOf WealthOf Wealth

DistributionDistributionOf WealthOf WealthDistributionDistributionOf WealthOf Wealth

3 Pillars to Wealth Management

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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

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Use a Timeline to plan & set GoalsTIMELINE

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

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PROTECTION WEALTH CREATION

Life and Disability Health Investment Retirement

PROTECTION WEALTH CREATION

Life and Disability Health Investment Retirement

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Planning your Investment

IMMEDIATE SHORT MEDIUM LONG

CASH ASSURANCE

SAVINGS/FIXED DEPOSITS

CO-OPERATIVE SAVINGS SCHEME

INCREASING BOND REPAYMENTS

RETIREMENT

Wise planning

Spreading Risks Budgeting

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The Right Balance

You cannot always rely on others to provide for your financial security

Together they provide financial security

PROTECTION WEALTHCREATION

LifeLifeHealthHealth

DisabilityDisabilityUnit TrustUnit TrustInvestmentInvestmentRetirementRetirement

PROTECTION WEALTHCREATION

LifeLifeHealthHealth

DisabilityDisabilityUnit TrustUnit TrustInvestmentInvestmentRetirementRetirement

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Investment Options

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Risk Return Profile

CashMone

y Marke

t

Equity Fund

Stock Exchan

ge

Duka on road reserve

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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.

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Insurance PlansInsurance Plans

Traditional PlansTraditional Plans

These Plans do not These Plans do not consider the effect of consider the effect of inflation but provide inflation but provide assured and pre assured and pre determined returns to determined returns to investors and are least investors and are least risky.risky.

ULIP Plans ULIP Plans

These plans provide These plans provide inflation proof and inflation proof and market related returns market related returns and also risk and also risk diversification as per diversification as per choice of investorchoice of investor

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Mutual FundsMutual Funds

Mutual Fund companies collect money from Mutual Fund companies collect money from investors and invest in share market. Investing investors and invest in share market. Investing in mutual funds is also subject to market risks in mutual funds is also subject to market risks but return is good.but return is good.

These are the best suited investment plans for These are the best suited investment plans for investors whose earnings and needs are quite investors whose earnings and needs are quite uncertain as they offer a unique range of plans uncertain as they offer a unique range of plans having least or even no locking period and are having least or even no locking period and are generally one time payment plans.generally one time payment plans.

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THANK YOU FOR YOUR

TIME