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Smart Investment Strategies in 2023
Investing funds for wealth appreciation to secure finances for the future is important for a successful and peaceful life. The key to accumulating the required funds is choosing the right financial products and making smart investment decisions. Also, as there are different types of financial instruments in India, comparing them based on your financial needs and affordability will make you a smart investor and help you promptly accomplish your future financial goals.
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Smart Investment Tips to Help You Achieve Your Financial Objectives.
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Start Your Investment Early
The right time to invest is in your 20s. You would have started earning a handsome salary at this age. As your financial commitments are less during your 20s, you can invest more and better. Also, if you start early investment, you will develop the discipline of investing funds for your money goals over the long term. The longer the investment, the higher the power of compounding and the related returns.
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Investment Options with Low Risk and High Returns
Considering the uncertain global economic conditions, smart investors find ways to invest in financial products with low risk and high returns. Investing in low-risk investments for the long term will provide the required returns.
Here are a few low-risk investments in India. -
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Track Your Investment Regularly
As investments are subject to political and economic changes, you must keep track of the market conditions and examine the volatility and the impact on your investment. It will help you secure the investment value by making timely revisions.
Track investment at regular intervals. It will help you understand how your investment performs during different economic situations. Regular income investment with timely revisions based on changing global scenarios and financial needs can direct your funds to smart investments for financial growth.
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Consider Your Retirement Needs
Many chase investments with higher returns to accomplish certain life goals and forget about retirement planning. Unfortunately, it can create a crisis at an older age when steady financial support is of utmost importance. Therefore, considering your retirement needs, such as grocery expenses, medical expenses, emergencies, etc., and planning for investments is the smart way to appreciate wealth for the future.
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Invest In Financial Products Consistently
There are different types of investment plans available in India, such as direct equity, mutual funds, ULIP plan, etc., The primary key to smart investing is to analyze your financial condition and short-term and long-term financial objectives, compare the available investment options, and choose the best products for a diversified portfolio.
However, to ensure the required returns from these products, it is important to invest in them consistently. It is the right perspective for a smart investment. In addition, investing consistently over definite intervals in a financial year helps you grow your money. -
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Endowment Plans
Endowment plans are investment plans with life insurance-cum-savings benefits. It provides the life cover for the entire policy tenure and the option to save funds to receive them as a maturity benefit.
As the returns are guaranteed* and non-market-linked in an endowment plan, you can plan for your future financial requirements, such as starting a new business, going on a vacation, etc., and decide on the funds required with the timelines and invest in the insurance plan accordingly.
There are different types of such endowment plans with flexible benefits. For example, the Guaranteed Return Insurance Plan provides the option to choose the payout option at maturity between the regular income, endowment, and Whole life income.
Know more about our Best Selling Endowment Plan – Tata AIA Guaranteed Return Insurance Plan
Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN: 110N152V11)
Tata AIA
Guaranteed Return Insurance Plan
Key Features:
Receive Guaranteed* benefits on policy maturity or in case of unfortunate Death
Life cover for financial protection of your loved ones
Guaranteed Additions^ that boost corpus year on year under Endowment Option
Get tax# benefits as per applicable income tax laws
Gold Bonds
Gold investment plan is a smart investment decision as the prices remain consistent or are predominantly on the rise. The Reserve Bank of India (RBI) issues gold bonds on the Government's behalf. They are financial securities denominated in grams of gold.
It is an effective substitute for holding physical gold and is considered one of the smart investment options for consistent growth. You can pay the issue price in cash, and the gold bonds will redeem in cash at maturity.
Annuities
Annuity plans provide financial security for retirement. The annuity plans are designed to provide a regular income post retirement. Typically, retirement plans have the accumulation phase wherein you must regularly deposit a fund to build the retirement corpus. And after retirement, you can withdraw a portion of the accumulated fund and invest the remaining funds in an annuity plan to receive a regular income.
The variable annuity plans help you customize the solutions to your advantage and provide variable returns against fixed-income annuity plans. Insurance providers offer different types of annuity plans.
For example, the immediate annuity plan provides the regular income immediately as you purchase the annuity plan, and the deferred annuity plan starts providing the regular income deferred to a later date.
Know more about our Best Selling Annuity Plan – Tata AIA Fortune Guarantee Pension
A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V04)
Tata AIA
Fortune Guarantee Pension
Key Features:
Get guaranteed** regular income for your retirement
Single and Joint life option
Get Tax Benefits# as per applicable tax laws
Multiple options are available in this plan: Immediate Life Annuity| Immediate Life Annuity with Return of Purchase Price| Deferred Life Annuity (GA-I) and with Return of Purchase Price| Deferred Life Annuity (GA-II) and with Return of Purchase Price.
Unit Linked Insurance Plans (ULIP Plan)
The ULIP Plan is a comprehensive life insurance policy that provides dual benefits, life cover for the entire policy tenure, and market-linked returns@ as the maturity benefit. The ULIP plan provides a range of investment options in India, such as equity, debt, and hybrid fund options for high-risk, low-risk, and medium-risk investors. If you are a conservative investor, you can choose low-risk or medium-risk fund options based on your financial goals and affordability.
In addition, the ULIP policy allows switching between the fund options in case of extreme market fluctuations. Therefore, you can switch to a low-risk debt fund option from a high-risk equity fund option at any time. These flexible features help smart investors make the best investment decisions.
Know more about our Unit Linked Insurance Plan – Tata AIA Fortune Pro
In this policy, the investment risk in investment portfolio is borne by the policyholder. Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V04)
Tata AIA
Fortune Pro
Key Features:
Enjoy life cover up to the age of 75
Our funds have been rated 4 or 5 stars1 by Morning star2
Investment growth with market-linked returns@ & loyalty additions3
21.95% Returns4 + for Multi Cap Fund (Benchmark: 11.94%)
Save taxes as per applicable income tax# laws
Mutual Fund Investment
Many of you desire to invest in direct equity but hesitate, considering the extensive risks involved and the lack of knowledge. Mutual funds investment is a smart investment decision in such scenarios.
Professionals manage mutual funds under Asset Management Companies. In addition, Mutual funds investment plans also provide different fund options with various risk profiles, such as equity mutual funds, debt mutual funds and hybrid mutual funds, to help you customize the investment and accomplish your financial goals.
Therefore, mutual funds can be a smart investment even for low-risk investors as the fund profile can be customized basis the risk appetite and managed by a reliable AMC.
Real Estate
Real estate investment refers to purchasing a property to generate income, such as selling it at a higher price on a future date or using it for regular rental income. If the property is in a developing area, real estate investing is considered a low-risk investment that provides higher returns in the long term.
Real estate investing is a smart investment option if you have a lump sum amount and are looking forward to long-term returns.
High-Interest Savings Account
Many of you consider depositing funds in a savings account to earn interest on them over the long term. The high-interest savings account provides one of the safest and best ways to secure your hard-earned money while earning interest and ensuring a certain increase on your principal. It is the best long-term investment plan when the funds are maintained over a long term, such as 10 to 15 years.
The right perspective to earning higher returns over the long term is to make smart investment decisions. Uncertain global economic conditions and increasing family commitments can introduce a financial crisis in your family at any time. While different investment plans help you accumulate the required funds, choosing the right investment products based on your risk profile and financial needs is important. Such a smart investment long term can help you earn higher returns.
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Disclaimer
- The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V11)
- The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension - A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V04)
- The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro - Unit Linked Individual Life Insurance Savings Plan (UIN: 110L112V04)
- * The benefits under the plan are Guaranteed and may be a % of the Annualised Premium or Total Premiums Paid based on the plan option selected. Please refer Brochure for more details.
- ^Guaranteed Addition defined as a percentage of GMB shall accrued at a simple rate for each completed policy year, throughout the Policy Term and shall be payable on Maturity or Death whichever is earlier, subject to all due premiums being paid. GA shall accrue @ 5% of GMB.
- #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
- **The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
- Product Option Immediate Life Annuity with Return of Purchase Price is available under PoS as well.
- @Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
- 1on a 5-year basis as of September 2022.
- 2©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information
- 3Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
- 45-year computed NAV for Multi Cap Fund as of September 2022. Other funds are also available in Tata AIA Life Insurance Fortune Pro.
- Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than all the Premiums Paid.
- This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- Insurance cover is available under this product.
- In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
- All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
- For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.
- Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Pro is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- This publication is for general circulation only. This document is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. This document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company and this document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
- L&C/Advt/2023/Jan/0002
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