Health Insurance
We are provide Health Insurance facility. Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.
Bonds
Bonds are basically a way for companies & governments for issuing capital for expansion, infrastructural projects, etc. By issuing bonds to the public, the organizations & Government can raise money for their projects. In simple terms bonds are like a loan for which you are the lender. The organization who sells the bonds is known as issuer & the holder is called as an investor. The bonds usually have a defined term or maturity, upon which the bonds can be redeemed.
Features
Diversification: Investment in fixed income securities counterbalances high-risk investments in a portfolio and serves to even out returns in times of volatility. Fixed returns: They offer a potentially attractive and regular income avenue as the rate of interest is fixed (in most cases but not all) till maturity. YTM (Yield to Maturity): By investing in bonds and holding them till redemption, you can earn maximum returns in the form of regular interest plus the face value amount on maturity. Protect from volatility: While fixed income securities generally do not offer the high returns potential of other investments, you are spared from the volatility common in other markets as its price fluctuation is relatively lesser than equity stocks. Liquidity: Fixed income securities provide the flexibility and liquidity required to construct a portfolio customized to your specific investment objective. If required, low-risk fixed income instruments like government bonds can be sold at short notice. Lower Risk: Fixed income securities represent a loan from investors. As these investors are creditors to the company, in the eventuality of the company being winded down, they have priority over shareholders.
A mutual fund is a pool of money managed by a professional Fund Manager.
It collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities. The income / gains generated from this collective investment is distributed proportionately amongst the investors after deducting applicable expenses and levies.
A Diversified Portfolio: The primary benefit of investing in a mutual fund is that you get exposure to a variety of shares. For example, if you wanted to invest Rs. 1,000 directly in stocks, you would probably get only a share or two. But when you invested through a mutual fund, you would get a basket of several stocks for the same amount.
If a few securities in a portfolio don’t perform, the others compensate. In this way, mutual funds ensure diversification. If you don’t know much about stocks, go for mutual funds.
You can Invest in Small Amounts: You can begin a SIP with ₹500 a month. Here you don’t have to wait for a big amount to make investments.
You can start with small investments.
Tax Benefits:
Equity Linked Saving Scheme (ELSS), offers both high returns and tax benefits. It is a mutual fund plan that is tax-exempt up to Rs. 1.5 Lakh under Section 80C of the Income Tax Act, 1961. It comes with a lock-in period of 3 years that is lower than any of its alternatives, like fixed deposits and PPF.
Good Returns:
Mutual funds offer good returns on investment and have the potential to build capital over time while beating inflation. Also, with SIPs (Systematic Investment Plans), you can invest small amounts periodically for a few years instead of a lump sum. You purchase fewer units when the unit price of the fund is high, and more when the price is down, has a higher return on investment.
