Money Multiplying News
Dated: 01-15 Aug 2022? Redg. No. RNI 21891/70 Vol. 53 No.10/Delhi?
We live in volatile and uncertain times; that Uncertainty has surrounded us everywhere. Cost is increasing; Income is unreliable, and investment rates are sinking. There is no certainty of continued growth in your funds. Many countries are facing zero to a negative rate of interest. Increasing Life Expectancy has also become a concern nowadays, which raised the requirement to lock the guaranteed returns today for the future.
The above data has clearly shown that longevity is going to increase & interest rates are definitely going to dwindle in the coming future. This is the reason why guaranteed plans play a significant role in this era.
Life Insurance
HERE ARE SOME OF THE NEW & IMPROVED TAX-FREE GUARANTEED INCOME PLANS?
2. HDFC Sanchay Plus Long Term Option - Non-Linked, Non-Participating, Life Insurance Saving Plan. How the Plan Works:
3. Bajaj Allianz Assured Wealth Goal Second IncomeNon-Linked, Non-Participating, Life Insurance Saving Plan. How the Plan Works:
Some more examples of Non-participating Guaranteed Income Plans
Mutual Funds
While making investments, investors keep certain aspects in mind - how to grow the capital and capital protection.
Markets offer many benefits to investors along with a range of investment options. The risk and return potential of each investment option varies. During volatile times, asset allocation can help you remain at peace to a certain extent. To some time, asset allocation contributes to stability in volatile markets, e.g., a Pandemic led sharp correction in March 2020. However, a high level of volatility is associated with equity as an asset class. This is why most investors stay away from equities or underallocate to equities, despite this asset class's long-term solid return potential. Such cautious investors constantly fearful of high volatility could consider investing in funds that dynamically manage equity allocation based on valuation level.
Funds that invest in dynamic asset allocation, also known as Balanced Advantage Funds, are hybrid mutual funds that later invest in equity and debt instruments. This strategic allocation helps to minimize the risk, given its dynamic nature that adapts to all the market conditions by increasing or decreasing the allocation to debt or equity as required. For instance, when valuation is high (For example, October 2021), the exposure to equity is reduced compared to when valuation is low, and equity allocation is increased (For example, March 2020).?
The diversified investment style of open-ended dynamic asset allocation funds attempts to maintain adequate equity allocation levels while allocating a portion of the assets in fixed income securities based on market conditions. It also aims to benefit from volatility by reducing the overall cyclicality of the portfolio with an aim for potential capital appreciation. A strategy such as this appears to have helped tame volatility in the past. In addition, it allows investors to participate in the long-term growth potential of equities.
BENEFITS OF INVESTING IN DYNAMIC ASSET ALLOCATION FUNDS!
SUITABILITY:?
This ideal strategy is for investors seeking stable riskadjusted returns with lower draw-down over long-term investment horizons.
DAA / BALANCED ADVANTAGE FUND:
?General Insurance
ACTIVE HEALTH PLATINUM ENHANCED -
BENEFITS
1. Multiple Sum Insured Availability - 5 Lakhs to 2 Crore
2. Hospitalization ? In patient Hospitalization - Single Private room/ Any Room ? Pre-hospitalization - 60 days ? Post-hospitalization - 180 days
3. Wider Coverages - Other Medical Treatments
? Domiciliary Hospitalization - Covered up to SI
? Cashless Home Treatment - Covered up to SI
? Mental Illness Hospitalization - Covered up to SI
? AYUSH Cover - Covered up to SI
? OPD Cover - Rs.1000 for 15 Lac SI & above
? Day Care Procedures - 586 Day Care Covered
? Obesity Treatment - Covered up to SI
? Modern Treatment Methods and Advancement in Technologies - Covered up to SI for listed procedures
4. Emergency Assistance Services
? Road Ambulance Cover - Covered up to actual expenses of the network provided & Non-Network up to 5000 per hospitalization
? Domestic & International Emergency Assistance Services (including Air Ambulance)
5. Organ Donor Expenses - Covered up to SI
6. 100% Reload Sum Insured
7. Premium waiver - Once in the policy's lifetime, Diagnosed with any 20 Critical illnesses the first time. Cumulative Bonus (No Claim Bonus) - 50% of SI up to 100%
8. Annual Health Check-up - Once a year
9. Second E opinion for Major Illness - Covered
10. Recovery Benefit - 1% of SI Max up to 10000
ACTIVE HEALTH PLATINUM ENHANCED -
VALUE ADDED BENEFITS
1. Chronic Management Program(OPD) - Out-patient treatment Asthma, Hypertension, Cholesterol, Diabetes.
2. Health Assessment - This assessment measures MER, including BP, BMI, HWR and smoking status, blood sugar, and total cholesterol. The Charges for the same shall be incurred by ABHI once in a policy year.
3. Health Returns - Earned by way of a percentage of Premium through Healthy Heart Score and Active Dayz?. Available up to 100% premium
4. Experts Health Coach - Available - Medical, Nutritional, Mental & Fitness, Mental Counselling session, Homeopathy tele consultation.
Disclaimer: Bajaj Capital Limited (‘BCL’) has taken due care and caution in presenting 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 about 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 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 solicitation for any product or services. 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 here in 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))