WHAT ABOUT YOU ?... TAKE CARE...

WHAT ABOUT YOU ?... TAKE CARE...

Sensex is low. Market PE is cheap. This is just the right time to enter the equity markets. 

But if I purchase shares, it may be a risky proposal, I may lose my money. 

That is so true but where there is risk there is a reward. So what to do? 

I think I should be taking help of a professional who is well qualified in buying and selling shares and direct him to invest in shares on my behalf... or will be even better to employ such an individual so that he keeps my investments well monitored... isn't it a better idea?

Yes it is fantastic idea, but doesn't seem viable.... I wish I could have employed a fund manager for managing my investments without making any payments to him, but that neither looks possible nor viable. 

Let me think.... I think I am mistaken.... that is very much possible... I can do that by investing through Mutual Funds. 

But are mutual funds not risky? They are but since they are monitored, by a qualified fund manager, risk is minimal. 

But what if I further want to keep risk at bay.... I think instead of investing in one go, I should be investing small sum of money at regular intervals for further reducing my risk.... so why not invest through SIP mode, that will further reduce my risk. Will it not?? Yes it will.

But I don't have any extra money to invest, as all that I earn I spend and whatever I save I have to invest in tax savings investments under section 80C. 

Don't worry that's absolutely not a problem... I think investing in an ELSS funds would be just appropriate for me ..... and that is exactly what I have been looking for.

I got it... I got it .... I am so happy I got it....

So I now stop this monologue and rush to buy an ELSS fund before the close of instant financial year and will also start a SIP in an ELSS fund so that for next year my 80C investment is automatically taken care of.... 

Hurray that's so fantastic I am sure I will create more wealth now....

What about you?? Take care...

Rajiv Kapoor
FCS
9839034761

PORT YOUR HEALTH INSURANCE TO APOLLO MUNICH

Port your existing Health Insurance policy smoothly to ....

Apollo Munich Health Insurance

..... for so many additional benefits which other existing policy may not be offering.

Do simple things ....make life easy.

Don't need health insurance .... !!! .... ??? .....

..... Health insurance is offered to only those who don't need it.

One can not buy health insurance in the hour of need.

Act now .... educate a friend, if you consider yourself a real well-wisher of your friend ..... as I considered myself for you.

Rajiv Kapoor
9839034761

Apollo Munich Health Insurance

PLAN FOR UNPLANNED TRIP - APOLLO MUNICH

PLAN FOR UNPLANNED TRIP - APOLLO MUNICH

Stay 2Night/3Days Nainital...  Rs 10000 ....Planned trip

Stay 2Night/3Days Bangkok ... Rs. 50000 ..... Planned trip

But

Stay in 2N/3D @hospital ..... Rs. 350,000 or Even More ..... unplanned trip.

Plan for Unplanned Trips also

Either have Sufficient bank balance or Get yourself insured through health insurance

Now port your existing Health Insurance smoothly to ....

APOLLO MUNICH HEALTH INSURANCE

Need my help…….. call me ....

Rajiv Kapoor
9839033761

LIFE INSURANCE - WHY SHOULD YOU CHOOSE TERM INSURANCE ONLY AND NOT ENDOWMENT POLICY

LIFE INSURANCE - WHY SHOULD YOU CHOOSE TERM INSURANCE ONLY AND NOT ENDOWMENT POLICY

TERM INSURANCE:

In case of unexpected death during the currency of the policy, dependents receive the sum assured. However once the term is over the life cover ceases and no amount is paid back to the insured. However one can customize Term Insurance with the addition of riders, such as child, waiver of premium, or accidental death.Term insurance, as the name suggests, is for a limited period, and has the least possible premium among all insurance plans. Amount of premium to be paid each year is fixed and does not rise during the term period. 

To keep it simple a Term Insurance is like a car insurance where the insurance cover expires each year unless renewed before the expiry and the premium paid is a pure expense and not an investment. However in case of car insurance premium each year reduces but in case of Term Insurance the premium is fixed through out the policy term. 

ENDOWMENT POLICY:

An endowment policy is a combination of insurance and investment: The policyholder's life is insured for a certain amount. This life cover is referred to as the sum assured.

Some part of the premium gets allocated towards this sum assured. Another part is allocated towards the administrative expenses of the insurer. The remaining portion of the premium gets invested.

Let us understand better by the help of following Example:
If Mr A purchases an endowment policy and pays a premium of Rs 10,000 annually for 15 years, then Mr A is likely to get a cover of perhaps Rs 3 lakhs or so, with the amount returned after 15 years with accumulated bonus etc.

In a term insurance for the same period and same amount Mr A would probably get a cover of minimum Rs.15-Rs to 35 lakhs. This means that in case the policy holder dies during the cover period he is likely to get a huge amount as sum insured as compared to an endowment policy, which would provide very less coverage.

So it's beneficial to go in for a term insurance policy for protection purposes since it covers the death risk several times, as compared to an endowment policy. No doubt, the sum assured would be returned back in the case of an endowment policy, but the returns (though are tax free) are very low and the purpose of insurance is defeated as the risk coverage is also too low.

WANT TO BE WEALTHY - SUBSCRIBE MARS

You want to be wealthy………… ??? read on……….

Someone who wants to be wealthy must understand that he can become wealthy only by active management of whatever investments he has. This means active management in such a way that he stays in only appreciating investments.

And that you know is, much said than done….. !!!

For becoming wealthy one should have passive income and for having passive income one should have investments. When I say investment then I do not mean only mutual funds, (though I trust the mutual funds the best for passive income) it can be any investment.

Someone who is owning a business is actually having investment in his own business. Passive income is so very important for wealth building.

Most of us know this all and there is nothing new that I stated above but due to our pre-occupation and other busy schedule we do everything except taking care of our investments.

We do everything but when it comes to reviewing of our investments we are so reluctant as if it is the worst and most undesirable thing in the world for us.

I can say this with full conviction because sometimes back I was myself like that and now I have clients and friends who despite my reminders and requests keep procrastinating.

One thing for sure you would agree with me that ……………… if someone is wealthy then it is not ALWAYS because he is very intelligent, hardworking or good person but because he or his previous generation has been able to place their wealth in appreciating investments which due to the power of compounding has grown exponentially.

Albert Einstein the father of modern physics, has rightly said that the “Compound interest is the 8^th wonder of the world …… those who understand it earn it ………………. Those who don’t pay it”

https://www.google.co.in/search?q=power+of+compounding&biw=1024&bih=623&source=lnms&tbm=isch&sa=X&sqi=2&ved=0ahUKEwjDyc2qxd7NAhXJRI8KHRJcAv0Q_AUIBigB#tbm=isch&q=power+of+compounding+quotes

So what should you do to become wealthy……………….. ? I welcome you to take benefit of technology and let yourself have the best. Invest through MARS ……………..

WHAT IS MARS  ???

MARS stands for Mutual Fund Automated Rebalancing System. This is software enabled automated system which works on market PE value.

The system reviews the funds periodically and automatically redeems /switches those funds which have performed well and thereby guarding the wealth from the risk of market volatility. The scheme also reviews the funds and those funds which do not perform well are replaced with better performing funds.

Not only this…………  the system moves the redeemed funds to the best performing equity funds when the market valuations are cheap or otherwise sensex is depressed.

Continuous rebalancing of the portfolio in the above way gives an edge to MARS over all other know investment strategies.

I have been investing through MARS and have received good returns.

While this all happens the investor is not removed away from his investments and there is no lock in period or management charges for this.

It is intelligent and strategic management of the wealth of investors.

You have received this mail because I am your friend and a well-wisher…..

To know more kindly visit the link below

http://www.njwebnest.in/wealthwatch/index.php/nj-updates/product-info/nj-mars

To discuss and to subscribe to MARS you may call me anytime .................. 

Regards

http://rajivfcs.weebly.com/

Life is Dynamic so your plans should not be Static.

"Money can fund a purpose but can not find a purpose - Mitch Anthony"

Rajiv Kapoor

Practicing Company Secretary

Kanpur

9839034761