WELCOME

TO

SMART INVESTING
SMART INVESTING

by
 AG Investmate

We don’t represent any particular insurance
company or mutual funds.

We provide consultancy on investment

avenues available in the market.

We work with all life insurance companies, all

general insurance companies and all mutual
funds.
 How we work?

We understand your need from you.

We propose the existing investment options.

We provide a comparative study of options.

You select the best option for you.

We provide the form, help you to fill up, submit the

form and monitor your investment.
Monitor your investment

We monitor your investment regularly

Provide monthly feedback

Provide online access to all Mutual

Fund investments
Life Cycle Stage Financial Priorities Disposable Suitable Investment
Fund Products

Started Plan your finance High Pure Term Insurance

Go for SIP
Earning Long Term investments
in Mutual Funds

Married Housing Lessens Increase Pure risk covers

Consumer Durables with Home Short term(2-6 years)
Insurance EMI, MF
Holidays Medical Long term(7 -15 years)
expenses MF

Children are All above Increasing NO Child Life Insurance

Child Education Income But Invest in separate long
born Child Marriage less term MF plan for child
Family Medical Expenses disposable education, marriage.
Tax planning fund Start planning retirement

Before Children marriage + Lower Take medical Insurance

Medical contingencies Liquidate high risk
Retirement investments
Increase fixed income
investments

Retirement Liquidity and Safety Reduced Invest in Annuities / MIP

drastically Invest 20% in Equity
based Mutual Funds
Life Insurance – A basic need
 Life Insurance covers life risk
 It’s sole purpose is to safe guard your family in
case of early death
 Insurance helps your family to maintain their
standard of living in absence of you
 Insurance cover should vary to cover life risks at
various stages of your life
 Insurance should be considered based on one’s
responsibility, liability and standard of living
 Insure only when you have dependants
Pure Life Insurance

Go for pure life insurance where you pay
premium for risk cover only – These are called
TERM INSURANCE COVER and is available with
all insurance companies

In term insurance, the premium paid is not

returned like vehicle insurance

The premium is very low. A person of 35 years

can take a term insurance of Rs.10 lakh for
approximately Rs.350 per month

The premium varies from insurer to insurer

Expensive Insurance Plans

All Endowment plans, money back
plans, child plan and pension plan

Insurance plans don’t provide return

of more than @5% typically

Insurance plans are never the best

investment options
ULIP – Bare Truth

High risk product

Highly expensive in short term

High Charges

Difficult to Track Performance

Lower sum assured against higher Premium

Life Insurance - Insight

Returns low

Liquidity low

Safety high

Security high

Low Transparency

Long term commitment

Medical Insurance for you

A must to protect yourself against unforeseen health
expenses. Always Take medical insurance to protect
yourself & your family.

Medical Insurance reimburses any expenses related to

hospitalization, operation, medicine expenses etc.

There are hospitals in which no cash is required to be

paid for treatment. The hospital sends the bill to insurer
and they settle the bills. It is called cashless transaction.

It is available from all General Insurance companies.

It is renewed every year and no maturity benefit is paid.

 Medical Insurance for your parents

Health Insurance are available for your aged parents till they
are 85 years

No problem if they are taking the cover for the first time
(depends on insurer)

Existing diseases are covered after two to four years

Guaranteed renewal (depends on insurer)

Premium paid by you for your parents will be tax exempted in

your hands from next financial year (2008-09)
Retirement Plan

Invest for regular income at old age after retirement

Save regularly a small amount to generate a fund for old age

from now

Keep in mind, Rs 10,00,000 today will be nearly equivalent to

Rs.4.5 Lakh after twenty years

Many insurer have pension plans. These funds invest in market

to generate good return.

It is always better to have your own plan.

Generate your own fund and plan your own pension through
Mutual Fund investments with STP.
Retirement Plans – The fine prints

Uncertain returns

Long term commitment

Taxable income

No flexibility, less options

No guaranteed income at the end of
tenure

Although floated by insurers, no risk
cover is available
Child Plan

Invest to fund expenses of major events of
your child’s life

Plan and save for Higher Education, Marriage,

even a lumpsum gift

In the market, child plans are mostly from

insurers and are expensive

Save through mutual funds which are cheaper

and well regulated.
MAKE SAVINGS A HABIT

Save for tomorrow

Save for your child

Save for your medical emergencies

Save for your new home

Save for your retirement

Saving techniques

INVEST SMALL SUM AT A

TIME REGULARLY

Start Early + Invest regularly = Create Wealth

Let us see how money grows
Mutual Fund – Bare Truth

High risk adjusted returns

Low Charges

Easy to Track Performance

Disclosure of fund portfolio mandatory

Most transparent

Monitored by SEBI, guided by AMFI

Gains taxable in short term (Before 12 months)

Gains non taxable in long term (After 12 months)

Dividends are distributed after tax deduction, but
are non taxable at investor’s end

Multiple options of schemes
Multiple options of schemes

Growth Option

Dividend payout Option

Dividend reinvestment option

Monthly income plan (MIP)

Fixed maturity plan (FMP)

Systematic Investment Plan (SIP)

Systematic withdrawal Plan (SWP)

Systematic Transfer Plan (STP)

Beat volatility

Maximize your returns

Invest through

Mutual Funds
THANKS FOR YOUR TIME