Many agents are faced with a serious issue while selling life insurance. The younger customers tend to think that it is better to buy term insurance instead of traditional endowment insurance. The popular feeling is that traditional endowment insurance is low return and therefore not worth it. Instead with the same money if one buys… Continue reading Traditional Endowment vs. Term Insurance
Have you been trying to sell life insurance to a HNI? Don’t. Death Benefit is not what HNIs want to buy HNIs are not inclined to buy life insurance. A successful person does not want to hear of death. He or she wants to hear something more positive. A person who is not a HNI… Continue reading Human Life Value Part II: Selling to HNIs
Give this idea a thought. The Human Life Value (HLV) of an individual is a financial asset, like any other financial asset. It is not a tangible asset like a life insurance policy or a fixed deposit. There is no document that proves its existence. There is no document that indicates the HLV of an… Continue reading Human Life Value is a Financial Asset – Part 1
There is a lot of hype that mutual funds earn a lot of money. It is only hype. In reality they do not. In fact roughly half of all mutual funds (equity and debt, and index funds included) earn less than 8 % p.a. The Pressure on the Investment Manager to Perform The hype leads… Continue reading How do Mutual Funds Invest Your Money?
Have you heard the statements before: Debt funds are safe. Are they? It is mere propaganda Debt funds are not safe. I wrote an article in this Blog that gave proof that debt funds are not safe as it is made out to be by financial advisors. Read The Proof is Here on Debt Funds.… Continue reading The Case of Franklin Templeton Debt Funds
The Compound Annual Growth Rate (CAGR) is a frequently mentioned rate in investment analysis. When you hold investments for a number of years, in some years the rates are higher than in other years. The rates keep changing from year-to–year. The CAGR smoothens a number of annual rates that an investment may give over a… Continue reading What is CAGR? How should it be used in investment decision-making?
Explain the fall in NAVs and exit strategies to your customers Identify the customers in your list who have made mutual fund or ULIP or share investment. Explain to them how to decide whether to remain invested in the MF or ULIP or share. In this article I give you a scientific way of going… Continue reading Corona Strategy – 2
Simply buying a ULIP or a mutual fund does not get you returns, no matter what the past history of return on the fund was. In fact never look at the past history. There are two circumstances when you have a higher possibility to earn money on ULIPs. The two conditions are When you buy… Continue reading When do you earn money on ULIPs or Mutual Funds?
The National Pension Scheme offers investors options in the kind of investment fund they would like to invest, based on their risk appetite. Among the options are equity based investments, where up to 50 % and up to 75 % of the invested amount is invested in equities or shares. The primary objective of choosing… Continue reading Pension Schemes should be Defined Benefit
The share market is crashing and we do not know when it will stop crashing. In the recent past the BSE SENSEX crashed from a peak of about 41000 to 27000, currently. This represents a fall of about 34 %. The SENSEX is at approximately 65 % of what it was in February, 2020. Continue… Continue reading What happens to MF Investments Now?
