introduction to investments and insurance
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Blue sapphire Financial Services
Introduction to Investments and Insurance
By Ravi Kumar,Financial AdvisorBlue Sapphire Financial ServicesMobile: 9900113820 / 9900253820Email : rk.finadvisor@gmail.comWeb : rkyouradvisor.webs.com
Blue sapphire Financial Services
Introduction to Investments and Insurance
Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Don‟t save after what you have
spent, but spend after what you have saved”
- Warren Buffet
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
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*Primary Articles Inflation, also called as "core base raw materials" include food,tobacco, rubber,…
Blue Sapphire Financial Services
Introduction to Investments and Insurance
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* Your purchasing power has been eroded by 94%
Blue Sapphire Financial Services
Introduction to Investments and Insurance
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Rule No.1: Never lose money.
Rule No.2: Never forget rule No.1!”
- Warren Buffet
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Key Objective of investing is
Capital Appreciation which invariably enhances your purchasing power”
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
Mutual Funds
Equities
Initial Public Offering (IPOs)
Deposits
National Pension System (NPS)
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Mutual fund is a vehicle to
mobilize moneys from investors, to invest in different markets
securities, in line with the investment objectives agreed upon, between the mutual fund
and the investors.”
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Their primary objective is to
assist investors in earning an income or building their wealth, by participating in the opportunities available in various securities and markets.”
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Mutual funds seek to mobilize money from
all possible investors. Various investors have different investment preferences. In order to accommodate these preferences, mutual funds mobilize different pools of money. Each such pool of money is called a mutual fund scheme.”
e.g. Franklin India Bluechip Fund, HDFC Index Fund (Sensex), HDFC Top 200 Fund, etc.
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
The investment that an investor makes in a scheme is translated into a certain number of „Units‟ in the scheme.
Under the law, every unit has a face value of Rs. 10.
The number of units multiplied by its face value (Rs. 10) is the capital of the scheme – its Unit Capital.
The scheme earns interest income or dividend income on the investments it holds.
Further,when it purchases and sells investments, it earns capital gains or incurs capital losses.
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
Investments can be said to have been handled
profitably, if the following profitability metricis positive:
(A) +Interest income
(B) + Dividend income
(C) + Realized capital gains
(D) + Valuation gains
(E) – Realized capital losses
(F) – Valuation losses
(G) – Scheme expenses
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
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“This is the value per unit of the scheme on
a particular day.”
Formula: Unit-holders‟ Funds in the Scheme
No. of Units
E.g. : 217 crores / 20 crores = 10.85
Blue Sapphire Financial Services
Introduction to Investments and Insurance
Only Equity Linked Saving Schemes (ELSS) are entitled for tax benefits (80C).
ELSS schemes give investors the benefitof deduction of the amount invested, fromtheir income that is liable to tax.
Dividends received from mutual fund schemes are also tax-free in the hands of the investors.
However, the investment is subject to lock-in for a period of 3 years.
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
HDFC Mid-Cap Opportunities Fund
Reliance Banking Fund
Tata Balanced Fund
IDBI Liquid Fund
UTI Opportunities Fund
ICICI Pru Focused BlueChip Fund
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“If you want to be rich…DON‟T
allow yourself the luxury of excuses.”
- Robert Kiyosaki
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Equity trading is nothing trading in
the stock market where the investor directly invests in the shares of one or more companies.”
e.g. BSE, NSE
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
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“Initial Public Offering (IPO) is when an
unlisted company makes either a fresh issue of securities or an offer for sale of its existing securities or both for the first time to the public. “
Blue Sapphire Financial Services
Introduction to Investments and Insurance
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“Company Fixed Deposit is the deposit
placed by investors with companies for a fixed term carrying a prescribed rate of interest.”
Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Any Indian citizen between 18 and 55
years can invest in the National Pension System (NPS), launched by the Pension Fund Regulatory & Development Authority (PFRDA).”
Note: NPS offers tax benefits under the newly added Section 80 CCD(2).
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Blue sapphire Financial Services
Introduction to Investments and Insurance
“Someone's sitting in the shade today
because someone planted a tree a long time ago.”
– Warren Buffet
Blue sapphire Financial Services
Introduction to Investments and Insurance
Blue Sapphire Financial Services
Introduction to Investments and Insurance
Life Insurance
General Insurance
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Transfer of Risk is the primary
objective of Insurance”.
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
Term Insurance
Whole Life Insurance
Endowment Plans
Joint Endowment Plans
Children‟s Policies
Money Back Policies
Annuity Plans
Market Linked Plans
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* We offer Life Insurance from Life Insurance Corporation of India (LIC)
Blue Sapphire Financial Services
Introduction to Investments and Insurance
India‟s largest Insurance company
Winner of some of the most prestigious awards such as CNBC Awaaz, Outlook Money, Golden Peacock, etc.
Total Assets of Rs. 13,17, 416 crores
Life Fund in excess of Rs.11,51,200 crores
More than 53 different products
More than 30 crore customers
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
“Health Insurance offers protection against
the risk of incurring medical expenses among individuals.”
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Blue Sapphire Financial Services
Introduction to Investments and Insurance
General Health Insurance
Critical Illness Insurance
Personal Accident Insurance
Travel Insurance
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*We offer health insurance from Apollo Munich Health Insurance Company
Blue Sapphire Financial Services
Introduction to Investments and Insurance
Founded in 1983, Apollo Group of Hospitals is the leading chain of specialty hospitals in India (Dr.Reddy‟s)
Munich Health Insurance, is the largest health insurance company in Europe.
Access to 4,000 hospitals in India
OPD Treatment & Medicine
Critical Illness Cover
Tax benefit under 80D of the IT Act
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Blue sapphire Financial Services
Introduction to Investments and Insurance
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