Market Related Investment Options Neeraj Dhiman 262022 1

Market Related Investment Options Neeraj Dhiman 2/6/2022 1

Market and investment options n n As market has become too diverse and complicated to be easy for investing your hard earned money. It is very important for investor to understand the concept of market. Investment Market is extended to various options that are available for putting money. It includes ancient ways to preserve money like saving account, FD, gold etc as well as modern plans such as Mutual Funds, ULIPs, SIP, equity shares, debentures etc. 2/6/2022 2

It’s Your Life… Financial Knowledge and planning can make the difference 2/6/2022 We’d Like to help You every step 3 of the Way

Times change. . . and so do you You could be l Single l Married l Working l Retired But you always have your own l Fears l Dreams l Cares l Concerns That make you Unique What are your own 2/6/2022 goals, financial needs and concerns? 4

3 Pillars to Wealth Management 2/6/2022 Accumulation. Conservation Distribution Of Wealth 5

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 2/6/2022 Setting goals, planning and budgeting are essential 6

Use a Timeline to plan & set Goals To achieve financial security You 2/6/2022 need adequate financial planning 7

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Planning your Investment Wise planning IMMEDIATE l Spreading Risks SHORT CASH l Budgeting MEDIUM LONG ASSURANCE SAVINGS/FIXED DEPOSITS RETIREMENT CO-OPERATIVE SAVINGS SCHEME INCREASING BOND REPAYMENTS 2/6/2022 9

The Right Balance You cannot always rely on others to provide for your financial security 2/6/2022 10 Together they provide financial security

Investment Options 2/6/2022 11

Risk Return Profile Cash 2/6/2022 Money Market Equity Fund Stock Exchange Duka on road reserve 12

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. 2/6/2022 13

Insurance Plans n Traditional Plans These Plans do not consider the effect of inflation but provide assured and pre determined returns to investors and are least risky. 2/6/2022 n ULIP Plans These plans provide inflation proof and market related returns and also risk diversification as per choice of investor 14

Mutual Funds n n Mutual Fund companies collect money from investors and invest in share market. Investing in mutual funds is also subject to market risks but return is good. These are the best suited investment plans for investors whose earnings and needs are quite uncertain as they offer a unique range of plans having least or even no locking period and are generally one time payment plans. 2/6/2022 15

THANK YOU FOR YOUR TIME 2/6/2022 16