Information on this blog is for private circulation in group of friends.
All investments carry market and other risks.
Please take proper care before investing or consult your advisor.
Thursday, February 11, 2010
Wednesday, February 10, 2010
Insurance & investment are two different things...........
hellow there.............
people always get confused between insurance and investment and invest in ULIP ( unit linked insurance plan )
those plans which offer insurance and are also connected to share market, are called as unit linked insurance plans i.e. ULIP's.
people get attracted by this combination and invest in such plans.
lots of insurance companies are there now a days, which by their tempting presentations, grab investors.
but the problem lies in charges !! no one needs to pay attention to the charges taken by the insurance company for doing ULIP's . u will not believe these are some times up to 50%
that means when our munnabhai invest Rs.50000 in a ULIP, 25000 goes directly to insurance company and only half the amount got invested.
thats injustice.........!
also how many people are concerned to check track record i.e. past history of that ULIP ?
how it has performed from comencement till now ?
hey, what should munnabhai do now ? he is in serious trouble !
but no, he is wiser... instead of getting cheated by company sales person, he goes to a good independent investment advisor.
the advisor tells him that do TERM insurance to satisfiy his insurance need. because term insurance has lowest premium and is a good choice even if u dont get money back at maturity.
" invest your remaining amount in well performing mutual funds" advisor tells him "that will give good returns over long term and beat inflation i.e. महागाई"
munnabhai drops the idea of ULIP and does as he says. also he gives advisory fee to advisor because he knows the value of his advice.
over long term munnabhai will be definately in profit, but what about you ??
people always get confused between insurance and investment and invest in ULIP ( unit linked insurance plan )
those plans which offer insurance and are also connected to share market, are called as unit linked insurance plans i.e. ULIP's.
people get attracted by this combination and invest in such plans.
lots of insurance companies are there now a days, which by their tempting presentations, grab investors.
but the problem lies in charges !! no one needs to pay attention to the charges taken by the insurance company for doing ULIP's . u will not believe these are some times up to 50%
that means when our munnabhai invest Rs.50000 in a ULIP, 25000 goes directly to insurance company and only half the amount got invested.
thats injustice.........!
also how many people are concerned to check track record i.e. past history of that ULIP ?
how it has performed from comencement till now ?
hey, what should munnabhai do now ? he is in serious trouble !
but no, he is wiser... instead of getting cheated by company sales person, he goes to a good independent investment advisor.
the advisor tells him that do TERM insurance to satisfiy his insurance need. because term insurance has lowest premium and is a good choice even if u dont get money back at maturity.
" invest your remaining amount in well performing mutual funds" advisor tells him "that will give good returns over long term and beat inflation i.e. महागाई"
munnabhai drops the idea of ULIP and does as he says. also he gives advisory fee to advisor because he knows the value of his advice.
over long term munnabhai will be definately in profit, but what about you ??
Thursday, February 4, 2010
What is the value of your life ??
Undoubtedly your life is valuable. But how much ? in terms of money ?
There is a proper method to calculate one's life value... and it is used to calculate how much insurance one needs.
An example will help to understand....
Suppose salary ( monthly) of Mr.Munnabhai, a software engineer, is 10000.
His personal expenses including tax are 20% (as it is in most cases) that comes 2000.......... hey,thats easy.......
so what will be his monthly income ?
10000 - 2000 = 8000 yes, u are correct !
For annual income multiply this 8000 by 12, that comes 96000.
Now Mr.Munnabhai has 20 years to retire, quite a long period....
So his total income from now will be 96000*20=1920000.
That is his human life value.... nineteen lakh twenty thousand only.
In absence of Mr.Munnabhai his family will have to bear this much of loss.....
Oh !! What should he do now to protect his family?
Here comes the idea of insurance.......... he can take insurance and secure his family.
If you think you are like Mr.Munnabhai contact us for insurance.........
For more details check out this link,( please click on kidnap circle )
thank you and bye bye................
Tuesday, February 2, 2010
Mutual Funds gr8 option 2 invest !!
Now a days mutual funds are very much popular. Its related to share market but a safe type of investment giving good returns.
One of the benefits of Mutual Funds is professional management, fund manager works for you. U dont need to moniter ur portfoio urself. A experience person do it for you.
Another one is diversification. When u buy a share,price fluctuations are suffered directly.But Mutual Funds have a basket of shares ,when some are in loss, some in profit also. And u dont need to buy them all for urself. Just an investment of 5000 or in some cases like sip 500 monthly will also be ok !!
For extremely volatile share market as is now,there are special plans to profit u. Like systematic transfer plan.
Nothing can give u returns better than equity and if u dont want to take more risk Mutual Fund is d best option.
Contact me for latest plans,information suitable in todays volatile,some wht down share market.
I will be happy to guide u.
Happy investing..............
life insurance for ur invaluable life
As individuals it is inherent to differ. Each individual?s insurance needs and requirements are different from that of the others. LIC?s Insurance Plans are policies that talk to you individually and give you the most suitable options that can fit your requirement.
Lic is life insurance corporation of India. It is very reliable.
There are different plans like insurance plans,pension plans,market linked plans even some are specially designed for children. For more information related to this, check out,
http://www.licindia.in/individual_plans.htm
Lic is life insurance corporation of India. It is very reliable.
There are different plans like insurance plans,pension plans,market linked plans even some are specially designed for children. For more information related to this, check out,
http://www.licindia.in/individual_plans.htm
Monday, February 1, 2010
abt myself in short...
My name is ajay....am investment consultant in aurangabad.........maharashtra .....india.
u can consult me for life insurance,mutual funds, to insure ur house/vehicle/car etc,travel insurance,fd.........all under one umbrella.
dont hesitate to contact me anytime.......... my add. is.....
ajay b deshmukh
Maher,10,Sanmitra Colony,B/h Tapadiya Natya Mandir,Aurangabad 431001
ph.0240-2352397,2327747,9422704664
u can consult me for life insurance,mutual funds, to insure ur house/vehicle/car etc,travel insurance,fd.........all under one umbrella.
dont hesitate to contact me anytime.......... my add. is.....
ajay b deshmukh
Maher,10,Sanmitra Colony,B/h Tapadiya Natya Mandir,Aurangabad 431001
ph.0240-2352397,2327747,9422704664
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