MONEY MULTIPLYING NEWS

GOOD NEWS! TAX-FREE GUARANTEED PLANS TO CONTINUE!

Life is all about dreaming big, and it's not about how many years you live but how you live your years that truly matters. So, make sure you set your goals and achieve them. With our tax-free guaranteed plan, you can earn a return of up to 6.97% every year on premiums up to Rs 5 lac, giving you the financial security to live the life you want.

Introducing the Bajaj Allianz Assured Wealth Goal Assured Income Plan -?an individual, non-linked, non-participating life insurance savings plan that helps you turn your dreams into reality. With this plan, you can enjoy tax-free guaranteed returns for up to 30 years, and even in the event of death during the premium-paying term, income will start immediately for the remaining PPT, and all premiums will be returned at maturity. This unique feature makes the plan very customer-focused and a first-of-its-kind in the industry.

LET’S UNDERSTAND THE PLAN WITH ONE STORY

Vijay is a married IT professional who wants to create an additional source of income.

He invests in Assured Wealth Goal - Assured Income.

Vijay is a married IT professional

? Invest in FDs & Mutual Funds

? His regular expenses - Home & Car loan EMIs, child's school fees and household expenses. He wants to create an additional source of income.

BUT WHAT HAPPENS IN CASE OF ANY UNFORTUNATE EVENT?

LET’S UNDERSTAND THE PLAN WITH GIVE & GET SCENARIOS

Pay ?5 Lac for 8 Years and Wait for 2 Years

Death Benefit:

Get ?4,26,250 p.a for 30 Years + ?40 lac as Return of Premium

Living Benefit:

Get ?4,26,250 p.a for 30 Years + ?40 lac as Return of Premium

WANT TO INCREASE YOUR INCOME?

JUST CHECK OUT THE DEFERMENT EFFECT!

CHOICE OF INCOME PAYOUT DATES

Get Income on the date of your special Life events like:

? Birthday

? Wedding Anniversary

? Or any other date of your choice

ELIGIBILITY CONDITIONS

Entry Age: 4 to 60 years

Premium Payment Term Options: 5, 6, 7, 8, 10, 12 years

Deferment Period: 0, 1, 2 years

Income Period: 25, 30 years

MUTUAL FUNDS

Investing can be tricky, especially when it comes to finding the right balance between debt and equity. Don't worry, mutual funds can help! They allow you to strike a balance between the two and build a strong portfolio that meets your financial needs. There are different types of mutual funds to choose from, depending on your risk-taking capacity and investment goals. For instance, if you prefer a low-risk investment option, Hybrid funds are a good choice. On the other hand, if you're looking for good returns, Balanced Funds might be more suitable. Not sure which one to pick? Here's a comparison of Balanced Fund Vs Hybrid Fund to help you make an informed decision that meets your requirements. So, let's dive in and explore your options!

WHAT IS A BALANCED FUND?

Balanced funds, also known as hybrid funds, are a type of financial instrument that invests in a combination of both debt and equity segments. By doing so, they provide investors with the benefits of diversification, which helps to minimize the risk associated with investing in a single type of investment. The best part about balanced funds is that they offer both capital appreciation and protection from risky investments. With around 40%-60% of the portfolio invested in equity, these funds are mostly equity-oriented, making them a good option for those seeking income opportunities or low-risk investment options. Overall, balanced funds can be a great choice for investors looking for a diversified portfolio that can help to minimize risk while providing the potential for greater returns.

WHAT IS A HYBRID FUND?

When it comes to investments, there are three main types that you should know about equity (or high-risk), debt (or low-risk), and hybrid. Hybrid funds offer financial flexibility with added security. Investing can be both exciting and daunting, and your investment strategy depends on your financial goals, risk tolerance, and investment period. There's no one-size-fits-all solution because every individual has different needs and aspirations. That's why categorizing investors into high or low-risk can be difficult at times. However, hybrid funds can help address this issue by catering to individual investors' needs.

BALANCED FUND VS HYBRID FUND

Balanced funds and hybrid funds are two types of investment options that can provide a balance of safety and potential returns for investors.

Balanced Funds?are great for those who have a low-risk appetite and want to balance out the benefits of high-risk investment markets. These funds follow strict guidelines, allocating no more than 65% across all asset classes during bull market periods. This ensures safety and stability for investors, even during recessionary times. Despite this, they still generate higher returns than their equity counterparts.

On the other hand, hybrid funds offer the best of both worlds by combining debt and equity components. They offer better returns than a straightforward bond fund while still maintaining some stability with an added component for investment in stocks. This makes them an attractive option for new investors who want to experience growth without taking on too much risk at once and gradually build confidence over time.

CONCLUSION

Investing in balanced funds and hybrid funds can help diversify your money and balance risk and reward. Balanced funds provide safety, income, and medium capital appreciation, making them ideal for low-risk investors. Hybrid funds offer better returns than bond funds while maintaining stability, which is perfect for new investors. Whether you're conservative or adventurous, investing in these funds is a smart move to achieve a great balance between risk and reward.

FINANCIAL COMICS

GENERAL INSURANCE

A HEALTH INSURANCE PLAN WITH WHICH NOTHING SEEMS IMPOSSIBLE

Have you ever thought about a health insurance plan that locks in your premium basis your entry age? Or doesn’t let you run out of sum insured, ever? Or even helps you carry forward your leftover sum insured to the next year? Sounds impossible? Not anymore. Introducing ReAssure 2.0, a first-of-its-kind health insurance policy that allows you to turn the impossible into possible. The plan is packed with many industry-first features so that you can truly get complete peace of mind.

1. Save while you stay protected as you age. Pay the premium, which is applicable as per the age at which you purchase the policy and not your current age. This will continue until a claim is made. This means that if you purchase the policy at 25 years old and you do not make any claim until you are 55 years old, then you will only be paying the premium, which applies to a 25-year-old every year until you claim at 55 years old age. The premiums will return to the normal premium cycle only after the first claim is made.

2. Never run out of your Sum Insured, ever The first claim will trigger the ReAssure+ benefit forever. It is unlimited. Each claim will be up to the base sum insured. The same person can use it for the same illness. After you claim, you get the double sum insured from day 1 of the next year. This means that if you have purchased a policy with 10 lakhs of base sum insured and you make a claim of 2 lakhs that year, then the ReAssure+ benefit will be triggered, and you will get up to 10 lakhs of the sum insured, which will be over and above the balance of 8 lakhs of base sum insured. This ReAssure+ benefit will remain forever, as many times as you claim. And next year, you will get 20 lakhs of the sum insured from day 1.

3. Don’t lose what you don’t use: Don’t let go of the sum insured for which you have already paid for. Our first-in-industry benefit enables you to carry forward the leftover sum insured to the next policy year upon renewal. This way, your sum insured will keep accumulating up to 10x of your base sum insured with each renewal. This means that if you have purchased a policy with 10 lakhs of base sum insured and do not make any claim that year, your sum insured is not wasted. It is carried forward to the next year, and you get 20 lakhs of the sum insured from day 1 itself. This sum insured will continue to carry forward up to 10x of the base sum insured, i.e. until it becomes 1.1 crores in this case. Even if you make a claim, the leftover sum insured is carried forward.

WIN-WIN FOR YOU IN ALL SITUATIONS

Designed to help you benefit beyond hospitalisation

? Up to 30% renewal discount on premium, basis the health points collected on Niva Bupa Health App.

? Unlimited e-consultations with our partners- video and telephonic

? Annual Health Check-Up starting from day 1

Designed to help you benefit at the time of hospitalisation

? In-patient Care with coverage for hospitalisation of 2 hours and no capping on room rent coverage up to the sum insured.

? Truly Cashless Experience with optional add-ons:

Safeguard+: Coverage for Non-payable items as per the list I, II, III, IV of Annexure I and no impact on Booster+ for less than INR 1,00,000 claim.

Safeguard: Coverage for Non-payable items as per the list I of Annexure I and no impact on Booster+ for less than INR 50,000 claim.

PRODUCT BENEFIT TABLE (All Limit In INR unless defined as Percentage)

Disclaimer:?Bajaj Capital Limited (‘BCL’) has taken due care and caution in presenting the factually correct data contained herein above. While BCL has made every effort to ensure that the information/data being provided is accurate. BCL does not guarantee the accuracy, adequacy or completeness of any data/information in the publication, and the same is meant for the use of the recipient and not for circulation. Readers are advised to satisfy themselves with the merits and details of each investment scheme before taking any investment decision. BCL shall not be held liable for any consequences, legal or otherwise, arising out of the use of any such information/ data and further states that it has no financial liability whatsoever to the recipient/ readers of this publication. Neither BCL nor any of its directors/ employees/ representatives accept any liability for any direct or consequential loss arising from the use of data/ information contained in the publication or any information/ data generated from the publication. Nothing contained in this publication shall constitute or be deemed to constitute a recommendation or an invitation, or a solicitation for any product or service. Any dispute arising in future shall be subject to the Court(S) at Delhi. Views given in the articles are the personal views of the contributors and not that of the company. Readers are advised to go through the respective product brochure/ offer documents before making any investment decisions.

Disclaimer:?The rates of interest are applicable as on the data mentioned herein above. The rate may be revised at the sole discretion of the respective companies inviting the Fixed Deposits without further notice. Printed by, Rajiv Wadehra, Published By, Raji Wadehra on behalf of Bajaj Capital Investment Centre Limited, Bajaj House, 97 Nehru Place, New Delhi - 110019, and Printed at Sundeep press C-105/2, Naraina, Industrial Area Phase -, New Delhi - 110028, and Published at Bajaj House,97 Nehru Place, New Delhi - 110019, Editor-Rajiv Wadehra (CIN: U0000DL1988PLC039417))