Investment magazine for Retail Investors VOLUME VIII ISSUE 15 Aug 01-15, 2020 Integrated INVESTMENT UPDATE Integrated Investment Update, August 01-15,2020 Page 01 www.integratedindia.in Happy Independence Day India is a Nation built on harmony, development, prosperity and peace achieving milestone for a better future !
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Investment magazine for Retail Investors VOLUME VIII ISSUE 15
Aug 01-15, 2020IntegratedINVESTMENT UPDATE
Integrated Investment Update, August 01-15,2020 Page 01
www.integratedindia.in
Happy Independence Day
India is a Nationbuilt on harmony,development, prosperity and peaceachieving milestonefor a better future !
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
Some people prefer Life Insurance policies with
an element of Savings in it. The maturity value
or the regular income stream created by such
investment-oriented insurance often serves the
purpose of Retirement planning or helps to
achieve their specific goals such as Child's
Higher Education or Daughter's Marriage.
Savings oriented Insurance plans are classified
into Non participating and Participating
Policies. As the name implies, Non-Participating
Policies do not depend on the performance of
the company and their benefits are assured
upfront.
Non-Par policies are becoming popular for the following reasons:
1. With falling Interest rates, investor would want a guaranteed return in the long run.
2. IRR from Non-par policies are better than FD interest rates
3. Also, the Investor gets upto 10 times Life Cover
4. Tax benefits on the premium paid and Maturity proceeds as well.
We take pleasure in presenting you some of the popular Non-Par products of eminent players. Please contact our branch team in case you need more information.
Integrated Investment Update, August 01-15,2020 Page 02
Life Insurance - Non-Participating Plans(Guaranteed Income)
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
Integrated Investment Update, August 01-15,2020 Page 03
All benefits are assured at the beginning itself. It also provides with life insurance cover to take care of the family in case of unfortunate death of policyholder.
ILLUSTRATION
Age 40 Premium: Rs. 1,00,000
Total Premium payable : Rs.7,00,000
1
10,0
00
60,0
00
2,10
,000
30,0
00
1,50
,000
1,00
,000
3,50
,000
4,20
,000
4,90
,000
5,60
,000
6,30
,000
7,00
,000
7,70
,000
8,40
,000
2,80
,000
2 3 4 5 6 7 8 9 10 11 12 13 14 15
Premium Payment Term - 7 yrs
Guaranteed Additions : 10% of total premium paid will be added every yearPolicy Term 15 years Insurance is the Subject matter of solicitation.
Guaranteed Additions: Every year, either 9% or 10% of total premiums paid will be added to policy benefits depending on policy term.
Guaranteed Maturity Benefit (GMB): A guaranteed lump sum payable at the end of the policy term.
Flexibility: Choose premium payment term and policy term.
Protection: Get life cover for the entire policy term.
Tax benefits: Tax benefits as per the prevailing tax laws .
Total Benefits:Rs.4,95,393 + Rs.8,40,000
Rs.13,35,393
Guaranteed Maturity Benefit:
Rs. 4,95,393
ICICI ASIP Offers attractive IRR for a limited time
till 31st August,2020.
(Decided by the insurer)
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
Meet tomorrow's requirements while protecting loved ones with guaranteed returns. Increasing Life Cover for the entire policy term.
ILLUSTRATION
Key Features:
Ÿ Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income
Ÿ Receive guaranteed benefits on Maturity or Death
Ÿ Guaranteed Additions that boost corpus year on year under Endowment Option
Ÿ Flexibility to cover spouse in same policy under Whole Life Income Option
Ÿ Choice of Policy Term with limited Premium Payment Term
Ÿ Enhance your protection with optional Riders
Plan Option : Endowment
1 1
Age : 40 Mode : Single Life
PPT : 10 yrs Policy Term : 20 yrs
Annualised Premium : Rs. 1 Lakh
Total Premium paid : Rs. 10,00,000
Basic Sum Assured : Rs. 13,50,000 (Decided by Insurer)
+
Insurance is the Subject matter of solicitation.
1 1
Year 1 10 20
Age 140
Rs.13,50,000 Rs.24,75,750
Rs.11,85,000
Rs.11,85,000
Increasing Life cover for entirepolicy term with Accrued GA
Guaranteed Additions (GA)Rs.59,250 p.a. for 20 years
AccruedGuaranteed Additions
GuaranteedMaturity Benefit
49 59
Annual Premium ofRs. 1 Lakh for 10 years
Total Premium Paid Rs.10,00,000 Total Maturity Benefit Rs.23,70,000
Integrated Investment Update, August 01-15,2020 Page 04
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
A plan that helps to achieve personal milestones in life with assured benefits. Comes with three plan options to choose from depending upon life stage and priorities. Provides Life Cover to protect family’s future.
Key features :
Ÿ Guaranteed Income option: Guaranteed Income Benefit offering more than double the premiums paid for 12 pay option.
Ÿ Life long income option: Guaranteed Income till age 99 years plus return of premiums paid at the end of Payout Period.
Ÿ Long term income option: Guaranteed Income for a fixed term of 25 or 30 years plus return of premiums paid at the end of Payout Period.
Ÿ Enhanced benefit for policies with Annual Premium more than Rs. 1,50,000.
Ÿ Tax benefits as per prevailing tax laws.
Ÿ Optional Riders - Enhance protection coverage with rider options on payment of additional premium.
Insurance is the Subject matter of solicitation.
Age 50 Premium: Rs. 1 Lakh p.a
Sum Assured : Rs.10,50,000
Guaranteed Income option:
Maturity Amount Maturity Amount
Life long income option: Long term income option:
* * *
PPT : 10 yearsPolicy Term : 11 years
Maturity Benefit:Rs. 20,00,000
Pay out period : 10 years
Guaranteed Income of Rs.2 Lakhs p.a
th stfrom 12 year to 21 year
PPT : 10 yearsPolicy Term : 11 years
Maturity Benefit:Rs. 36,25,000
Pay out period : 25 years
Guaranteed income of Rs.1,05,000 p.a from
th th12 year to 36 year + Rs.10 Lakhs that the end of 36 year
Maturity Amount
PPT : 5 yearsPolicy Term : 6 years
Maturity Benefit:Rs.20,40,000
Till age 99
Guaranteed Income of thRs.35,000 p.a from 7 year +
thRs. 5 Lakhs at the 99 year
Age 40 Premium: Rs. 1 Lakh p.a.
Sum Assured : Rs.11,50,000
ILLUSTRATION
* * *
Integrated Investment Update, August 01-15,2020 Page 05
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
This Plan provides a regular income and security for family despite the ups and downs of life. The guaranteed monthly income increases every year while the guaranteed periodic lump sums can be invested in business or fulfill family's goals. Moreover, the life insurance cover in this plan ensures that family continues to fulfill their goals in case of any unforeseen eventuality.
ILLUSTRATION
Age 45 years
Policy term 20 years
Premium Payment Term 10 years
Premium Amount Rs.50,000 p. a (will be chosen by investor)
Sum Assured Rs.1,86,600(decided by Insurer on the basis of premium)
Benefit Amount RemarksA. Total Guaranteed Money Back Benefit 1,86,600 25% of Rs.1,86,600 = Rs. 46650 paid in 4 instalments
B. Total Regular Monthly Payouts 4,75,830 Payout starts at 11th year. (1% x 12 x 1,86,600) and increases by 0.25% for following years.
C. Guaranteed Loyalty Addition 18,660 1% X 1,86,600 x 10D. Guaranteed Maturity Addition 37,320 1% X 1,86,600 x 20
Total Maturity Benefit (C+D) 55,980
Total Benefit (A+B+C+D) 7,18,410
Insurance is the Subject matter of solicitation.
Loyalty Addition, payable at the end of the premium payment term Maturity Addition, payable at the end of the policy term
Select amongst the policy terms of 10/20/30/40/50 years and pay for half of the policy term.
Choose to pay premiums yearly, half-yearly, quarterly or monthly.
Money Back Benefits at the end of every five policy years till maturity. Increasing regular monthly income payouts from the end of the premium payment term.
Enjoy tax benefits on the premiums paid and benefits received, as per applicable income tax laws.
Integrated Investment Update, August 01-15,2020 Page 06
Investment magazine for Retail Investors www.integratedindia.inLife Insurance
3. Guaranteed Loyalty Addition 2,38,673 @ 20% of sum assured
Total Maturity Benefit (1+2+3) 19,82,040Insurance is the Subject matter of solicitation.
Kotak Assured Savings Plan provides affordable protection and also helps accumulate wealth for achieving future financial goals by giving guaranteed benefits.
Key Features
Ÿ Guaranteed Maturity Benefit payable at maturity
Ÿ Basic Sum Assured, PLUSŸ Accrued Guaranteed Yearly Additions,
PLUSŸ Guaranteed Loyalty Addition
Ÿ Increasing life cover – Guaranteed Yearly Additions added every time premium is paid, payable at maturity or earlier death.
Ÿ Longer the premium commitment, higher the benefits – Guaranteed Yearly Additions and Guaranteed Loyalty Addition increases with increase in premium payment term (PPT).
Ÿ More value for money through high premium benefits resulting into higher Basic Sum Assured.
Ÿ Option to enhance Protection through a wide range of Riders.
Ÿ Tax benefit on premiums paid u/s 80(C) and benefit received u/s 10(10D).
Integrated Investment Update, August 01-15,2020 Page 07
It gives us a sense of satisfaction that in the last 3 months
we have helped more than 1000 families to stay adequately protected.
Get the right Coverage to suit your Lifestyle & Budget.
HEALTH INSURANCEIndividual Plans | Family Floater | Group Policies
To know more, please contact Team Integrated
Disciplined way to invest. Rupee Cost Averaging
No need to time the Market ! Wealth creation over Long term
To invest, please contact Team Integrated
Suggested MF schemes:
MULTI CAP
ABSL Equity
Canara Robeco Equity Diversified
DSP Equity
Kotak Standard Multicap
SBI Magnum Multicap
UTI Equity
LARGE & MID CAP
Canara Robeco Emerging Equities
Kotak Equity Opportunities
Principal Emerging Bluechip
SMALL CAP
Axis Small Cap
SBI Small Cap
MID CAP
Axis Mid Cap
DSP Mid Cap
Kotak Emerging Equity
L&T Mid Cap
Investment magazine for Retail Investors www.integratedindia.inFixed income securities
Flexibility to the depositor to invest monthly with the best interest rate over the complete tenure
Bajaj Finance offers a Systematic Deposit Plan
Salient features of the product –
Ÿ A type of Fixed Deposit which investor can invest monthly.
Ÿ ROI is the same as that of regular FD.
Ÿ Minimum Investment of Rs. 5000 per month.
Ÿ Rated AAA(Stable) by CRISIL & ICRA.
Suitable for customers who would like to invest
small amount in a monthly mode to create corpus
for future needs.
Further details, please contact Team Integrated.
Integrated Investment Update, August 01-15,2020 Page 10
CORPORATE FIXED DEPOSITS INTEREST RATE FOR 3 YEARS
Disclaimer: Please note, Corporate Fixed Deposits are basically unsecured in nature. Investors are advised to refer financial details of the company carefully before taking investment decisions. Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit.
M/s. Integrated Enterprises (I) Pvt. Ltd. / its Directors / its Employees cannot be held responsible for individual investment decision based thereon.
Rates updated on 14.08.2020
Investment magazine for Retail Investors www.integratedindia.inNew investment opportunities
RBI Floating Rate Savings Bonds, 2020 (Taxable)
Ÿ Minimum investment amount Rs.1000 and in multiples of Rs.1000
Ÿ Forms of Bonds : Electronic form held in the Bond Ledger Account.
Ÿ Category of investors : Resident individual / HUF
Ÿ Half-yearly interest is payable on 1st January / 1st July. No Cumulative option.
Ÿ The coupon rate on 1st January 2021 shall be paid at 7.15%.
Ÿ The coupon rate payable for next half-year would be reset on 1st January, 2021 and
thereafter, every 1st July and 1st January.
Ÿ Income from the bonds is taxable.
Ÿ Maturity Period : 7 years
Ÿ Premature facility available after lock in period of 4 years (for age above 80 years) 5 years (for age between 70 - 80) and 6 years (for age between 60 -70 years)
Ÿ Nomination facility available.
Ÿ The bonds are not transferable / not tradable.
ATTRACTIVE RETURN WITH 100% SAFETYHIGHLIGHTS
To invest, please contact Team Integrated
NEW FUNDOFFERS
Baroda Large & Mid Cap FundAn open-ended equity scheme investing in both large cap and mid cap stocks
New Fund Offer Opens on: Aug 17, 2020 & Closes on: Aug 31, 2020
NFO Open. NFO Closes on: Aug 21, 2020
Integrated Investment Update, August 01-15,2020 Page 11
Investment magazine for Retail Investors www.integratedindia.inSnippets
Dispensing with physical signature on proposal forms of Term Plans.IRDA has issued a circular allowing Life Insurers to obtain the customer's consent without requiring wet signature on the hard copy of the proposal form, for the business solicited by insurance agents / intermediaries subject to following:a. The completed proposal form shall be sent to the prospect on his/ her registered e-mail ID or mobile number in the form of an e-mail or a message with a link as the case may be.b. The prospect, if he / she wishes to consent to the proposal, may do so by clicking the confirmation link or by validating the OTP shared. The Insurer shall maintain verifiable, legally valid evidence for the proposer's consent received for the fully completed proposal form. Further, the insurer shall not accept any payment of moneys towards proposal deposit till the receipt of consent of the proposer.c. In all such cases, the agent / intermediary shall confirm that only the approved sales material has been used during the solicitation process. They shall also certify the authenticity of the e-mail ID and/or mobile number of the prospect.The above facilitation is allowed on an experimental basis with immediate effect till 31st December, 2020, and is limited to pure risk products, i.e., products that do not involve any savings element.
IRDAI permits life insurers to issue policies electronically:Due to rising of the current pandemic situation and with the disruption of the normal business activities, IRDAI has allowed Life Insurers to issues Life Insurance Policies electronically. The Insurance Regulatory and Development Authority of India issued a circular the life insurance companies from the requirement of issuing policy document and copy of proposal form in physical form, subject to certain conditions. It was stated this exemption would be provided to all policies issued during 2020-2021.This decision was taken from IRDAI after receiving feedback from the Life Insurers expressing the difficulties in printing and dispatching the policy documents and with the desirability to adopt the digital means in doing up the business for the policyholders and the stake holders.Further IRDAI stated that there will be a mandatory 30-day free look period for all electronic policy documents. It was also stated that the insurer will be required to obtain express consent of the policy holder to receive the electronic policy bond. If the policyholder insist a hard copy of the document, the same has to be issued without any charge.
Integrated Investment Update, August 01-15,2020 Page 12
Investment magazine for Retail Investors www.integratedindia.inSnippets
MCA to closely work with SEBI for implementation:The Corporate Affairs Ministry (MCA) will work closely with capital markets regulator SEBI for implementation of the 'Business Responsibility and Sustainability Report (BRSR)' framework in the country, its Secretary Rajesh Verma has said. The panel comprised of representatives from MCA, SEBI, three professional institutes, and two eminent professionals who had worked on developing the National Guidelines on Responsible Business Conduct (NGRBCs). The following were discussed in the meeting by MCA to the SEBI members.Ÿ MCA would appoint committee on Business
Responsibility Reporting (BRR). It was highlighted that Indian companies are aspiring to have a global foothold and thus they cannot ignore the emerging trend of Corporate Governance, i.e. Responsible Business.
Ÿ The professional institutes and business associations to carry out the advocacy campaign for BRSR and capacity building of their respective members.
Ÿ To develop new BRR formats for listed and unlisted companies.
Ÿ The MCA Committee recommended a new reporting framework called as the 'Business Responsibility and Sustainability Report (BRSR)' to reflect better the intent and scope of reporting on non-financial parameters.
Ÿ The committee recommended two formats for disclosures: one 'comprehensive format' and the second a 'Lite version'. The implementation would be done in a gradual and phased manner.
Ÿ The committee also recommended that the BRSR be integrated with the MCA21 portal. As a long-term measure, the committee envisions that the information captured through BRSR filings be used to develop a Business Responsibility-Sustainability Index for companies.
India making rapid strides in bridging digital payments divide:
MastercardIndia is making rapid strides in bridging the digital payments divide, Bengaluru leads in contactless transactions, and penetration of contactless transactions is the highest in the lowest ticket size, reveals a recent digital payments poll conducted by Mastercard in India.In the current environment, in fact, there has been significant growth in adoption of contactless payments, both globally and in India. Consumers are aware that contactless technology and digital payments can ease some of the tension by reducing a measure of daily risk when we pay. This technology also empowers some of the most financially vulnerable with a safe and secure way to make and receive payments.
Integrated Investment Update, August 01-15,2020 Page 13
Investment magazine for Retail Investors www.integratedindia.inSnippets
According to Mastercard data, there is a 19% increase in the actual contactless cards issued in Q1 2020 over Q4 2019. Currently, the top 5 cities in contactless transactions are Bengaluru at 16%, Delhi and NCR at 12%, Chennai at 7% and Mumbai at 6%. The South region dominates the contactless ecosystem with maximum number of contactless transactions seen there. Bengaluru has by far the highest number of contactless transactions, more than twice the next city which is Hyderabad.
54% of the respondents know how to use a contactless card on a PoS machine. 53% of the respondents know that consumers don't get
charged multiple times if the contactless card is tapped more than once. However, 30% did not know this highlighting the need for more awareness on the safety of contactless payments. 74% of the respondents, a high number, said that they will continue to make purchases digitally or via contactless mode in the coming times. 51% of the respondents know that contactless card remains in the hand of the customer while making a transaction. 49% of the voters know that a POS machine with a WIFI symbol will allow them to use a contactless card to make a payment.
Morbidity rate: The morbidity rate is the frequency or proportion with which a disease appears in a population. Morbidity rates are used in actuarial professions, such as health insurance, life insurance, and long-term care insurance to determine the premiums to charge to customers. Morbidity rates help insurers predict the likelihood that an insured will contract or develop any number of specified diseases and thus develop competitively-priced insurance policies in its regulated industry.
Calculating Morbidity Rates : The morbidity rate is shown as a percentage. It is calculated by dividing the number of cases of a disease, injury, or disability by the total population during a specific time period, as shown below:
No.of cases of disease / injury/ disability
PopulationMorbidity Rate =
INSURANCE
Integrated Investment Update, August 01-15,2020 Page 14
Investment magazine for Retail Investors www.integratedindia.inContact
We have opened branches in many locations after lockdown. For the safety of our customers and employees, we request you to transact Digitally. In case of any difficulty, you can always visit our branches. We are giving below our branch / teams contact for your reference.
Hyderabad - Basheerbagh : D. No 5-10-188/2, R.No. 102 B, First Floor, Summit Apts, Opp. Bandline, Hillfort Road, Hyderabad - 500 004 Ph: 2324 2375 / 2472
HYD – Kukatpally : 15-31-2L-11/10, I Flr, Opp: Holy Mary Degree College, Pillar No.20, JNTU Hitech City Rd, Phase III, KPHB Colony, Hyd - 500 085Ph: 2305 8088 / 89
Courtesy : Financial Inclusion and Development Department, RBI
MASTERING MONEY IN
RELATIONSHIPS
Use a money management strategy
Have equal access to andcontrol of money
Be open about money
Discuss all aspects of your money: details about your income, assets, debts and student loans; how much your siblings or other family borrow from you.
Develop a common vision
Discuss your goals and expectations and what role money will play in them. Don’t assume your partner knows what you want or that you both have the same wishes.
Track all your expenses
Record all your expenses for about 3 months. You’ll be surprised what you and your partner spend your money on. Knowing your spending habits will help you manage money better.
Now agree on a strategy that helps you both achieve your goals: how to manage your bank accounts and how much you will each keep for personal use.
Make money related decisions and plans jointly. Arrange to have equal access to the joint funds and assets to encourage transparency and accountability.