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FINtastic Talks with Sanjiv Bajaj ft. Vijay Chandok - MD & CEO of ICICI Securities Ltd.

bajaj_admin — Tue, 25 Apr 2023 17:47:05 +0000

FINtastic Talks with Sanjiv Bajaj ft. Vijay Chandok - MD & CEO of ICICI Securities Ltd. bajaj_admin Tue, 04/25/2023 - 23:17

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FINtastic Talks with Sanjiv Bajaj ft. Vijay Chandok - MD & CEO of ICICI Securities Ltd.

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Welcome to another most awaited episode of FINtastic Talks Season 2.

We're excited to have Vijay Chandok, Managing Director and CEO of ICICI Securities Ltd, join us to discuss the latest trends and insights from the world of Finance.

In this insightful session, Vijay Chandok will discuss the intricacies of wealth management, providing expert knowledge gained from over three decades of experience in senior leadership positions across Corporate Banking, Retail Banking, Wealth Management, and Asset Management.

Ensure to tune in to FINtastic Talks Season 2, Episode 12, and join us as we help you understand the current market trends, and identify investment opportunities that directly aligns with your financial goals.

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Decoding the Intricacies of Wealth Management

bajaj_admin — Sat, 01 Apr 2023 09:03:39 +0000

Decoding the Intricacies of Wealth Management bajaj_admin Sat, 04/01/2023 - 14:33

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Decoding the Intricacies of Wealth Management

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Tue, 04/18/2023 - 16:30

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Welcome to another most awaited episode of FINtastic Talks Season 2.

We're excited to have Anunaya Kumar, President & National Sales Head of IIFL Asset Management, join us to discuss the latest trends and insights from the world of Investments.

In this insightful session, Anunaya Kumar will discuss the intricacies of wealth management, providing expert knowledge gained from over two decades of experience in senior leadership positions across Corporate Banking, Retail Banking, Wealth Management, and Asset Management.

Ensure to tune in to FINtastic Talks with Sanjiv Bajaj Season 2, Episode 11, and join us as we help you understand the current market trends, and identify investment opportunities that directly aligns with your financial goals.

Episode Key Takeaways ( in English )

Balance Advantage Products: Unlock Investment Flexibility for Your Portfolio!
Investors seeking a flexible investment option should consider the balanced advantage category. This investment product combines 30-35% debt and 65% equity, providing a balanced approach to potential gains and risks. With this option, investors can potentially benefit from market growth while mitigating the effects of market volatility.
Why are MUTUAL FUNDS a great way for you to invest for Wealth Creation?
Mutual funds offer a simple way to invest for wealth creation because they are a pool of money managed by a fund manager with a clearly defined objective. Mutual funds are a great way to invest for wealth creation because they offer diversification, professional management, access to different asset classes, liquidity, and low investments. They provide a convenient and affordable way for investors to build wealth over time while minimizing risks. This makes it easier for investors like you to understand how your funds are managed conveniently.
AIFs vs Mutual Funds: Understanding the Different Propositions and Risks!
AIFs (Alternative Investment Funds) and Mutual Funds are both investment vehicles, but they have some key differences. AIFs and Mutual Funds differ in their target investors, regulatory oversight, and investment strategies. AIFs are subject to a different regulatory framework and typically invest in alternative assets. In contrast, mutual funds tend to follow stricter regulations and invest in more traditional asset. While mutual funds offer decent returns of around 8-12%, AIFs can potentially give you returns of 14-15% or even higher.
Demystifying the difference between PMS and AIF Investment: Understanding the Risk Assessment Process.
Portfolio Management Services (PMS) and Alternative Investment Funds (AIF) are two investment options that serve different types of investors and investment objectives. PMS is a customized investment service for high-net-worth individuals or institutions that typically invests in publicly traded securities based on the investor's specific goals and risk profile. AIF, on the other hand, is an investment fund that invests in alternative assets such as private equity, hedge funds, and real estate and is considered riskier due to the nature of the underlying assets and less regulatory oversight. PMS follows a conservative approach to risk assessment, while AIF involves a more complex process due to the non-traditional nature of the assets and is typically aimed at investors willing to take on higher risk for the potential for higher returns.
Exploring the different categories of AIFs and their Potential Returns and Losses for your investments!
AIFs are privately pooled investment funds registered with SEBI that invest in alternative assets like private equity, hedge funds, and real estate. Fund managers make investment decisions on behalf of investors, and AIFs are subject to SEBI regulations. AIFs in India are classified into three categories:
- Category IAIFs invest in startups, early-stage ventures, social ventures, small and medium enterprises, infrastructure, etc. with a positive economic spillover effects.
- Category II AIFs invest in assets that require private equity funding or real estate assets.
- Category III AIFs invest in complex and sophisticated trading strategies, such as hedge funds, with a high degree of leverage and risk, and are suitable for well-informed investors.
Systematic Investment Plans (SIPs): A Foolproof Strategy for Achieving your Long-Term Financial Goals!
SIP is a powerful tool designed to help investors navigate the unpredictable economic landscape of the market. By investing in a disciplined and systematic manner, investors can take advantage of the principle of rupee-cost averaging, allowing you to spread your investments across multiple periods and levels of market volatility. This approach ultimately reduces risk and increases the potential for steady, reliable returns over time.
Risk and Return: The Law of Economics That Holds True for Everyone.
The risk-return trade-off is the law of economics that holds good for everyone. The ability to onboard risk is where the rewards will improve. High-risk investments have the potential to yield higher returns, while low-risk investments typically have lower potential returns. Successful investing requires finding the right balance between risk and return that aligns with one's financial goals and circumstances.

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Decode the Benefits of INVESTING in the right Life Insurance

bajaj_admin — Sun, 05 Mar 2023 18:30:19 +0000

Decode the Benefits of INVESTING in the right Life Insurance bajaj_admin Mon, 03/06/2023 - 00:00

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Decode the Benefits of INVESTING in the right Life Insurance

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Tue, 03/07/2023 - 16:30

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Be Money Smart. Be FINtastic.

As rightly suggested by Mr. Sanjiv Bajaj, Wealth Creation starts with Wealth Protection. FINtastic Talks Season 2 is back with its 10th episode on "Decode the Benefits of INVESTING in the right Life Insurance" on Tuesday 7th March at 4:30 PM

Episode Key Takeaways ( in English )

What is AmritKaal?
The Union Budget 2023 introduced "Amrit Kaal," which states that taxes on life insurance policies with coverage over five lakh rupees per year will now be subject to taxation. Previously, India had a tax-free regime for life insurance, but this benefit has been withdrawn for high net worth individuals. This encourages policyholders to save for the long-term, which is vital in today's era of abundant inducements.
What is Rule 72?
The Rule of 72 is a simplified method to estimate the number of years required to estimate how long it takes to double an investment through compounding. Divide 72 by the annual interest rate to get the approximate number of years. It's highly recommended for comparing investment options.
Keep Your Money in multiple baskets instead of one. Why?
Expanding your investment portfolio is not only a wise decision but also a shrewd financial strategy. Rather than concentrating all of your funds in one investment, you can spread your funds across various assets, such as stocks, bonds, real estate, and commodities, to potentially maximize returns while minimizing risks. This is analogous to not putting all of your eggs in one basket, since relying on a single investment can put your entire portfolio in jeopardy if it fails.
How to get Richer or Wealthy?
Rich and Wealthy are two terms that are often mistaken for each other, but they have very different connotations. For instance, a person may be considered rich if they have 1 crore today. However, if he spends 10 lakhs every month, his wealth will dwindle, and within 10 months, he will be financially destitute, indicating that he is not wealthy. When in reality, one is truly wealthy when their resources outlast them, and they can pass on their financial stability to their heirs.Therefore, true wealth is achieved when one's financial stability outlasts their life, and their heirs can benefit from the resources accumulated over time.
What is Financial Freedom?
For many, financial freedom is the ultimate objective, yet few comprehend the full extent of what it entails. True financial independence is accomplished when your passive income surpasses your active income, and you no longer rely on your current income to sustain your desired lifestyle. As per the words of Mr. Sanjiv Bajaj, "Financial freedom is a goal that everyone should strive for, and I wish for you all to achieve it."

Retirement is a common time to achieve financial freedom as retirees can save 2-2.5 times their income and enjoy a comfortable life. However, property investments, wise financial decisions, and savings are necessary to attain financial freedom.
Buy or relook your Term Insurance
Ensuring financial security for your loved ones in the event of your untimely demise is paramount, making buying or revisiting your term insurance policy a crucial step. As you age and accumulate greater responsibilities and health risks, having an adequate sum assured can provide your family with the financial support they need to achieve their goals, even in your absence.

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Decode the benefits of
INVESTING
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Decode what to prioritize first - LIFE or HEALTH INSURANCE

bajaj_admin — Tue, 27 Dec 2022 08:57:31 +0000

Decode what to prioritize first - LIFE or HEALTH INSURANCE bajaj_admin Tue, 12/27/2022 - 14:27

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Decode what to prioritize first - LIFE or HEALTH INSURANCE

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Be Money Smart. Be FINtastic.

As rightly suggested by Mr. Sanjiv Bajaj, Wealth Creation starts with Wealth Protection. FINtastic Talks Season 2 is back with its 9th episode featuring Mr. Vighnesh Shahane, MD & CEO of Ageas Federal Life Insurance.

Episode Key Takeaways ( in English )

"Corporate Insurance is sufficient"- Myth or Reality
Corporate Insurance might not be sufficient to cater to all health emergency needs in today's environment. What if you decide to do something on your own or develop a medical condition. As a result, you would be left without a policy, and any new policy you purchase would require a waiting period before allowing you to enjoy the benefits of the current policy.
"Wealth Creation is possible only after Wealth Protection" - Mr. Sanjiv Bajaj
Wealth creation is a prerequisite to wealth protection. The first step is to buy Adequate Health Insurance, secure your loved one's future with appropriate Life Insurance, and then Insure your Assets, such as your car, home, etc. Securing these will help investments and savings remain intact and create wealth. For example, if a person purchases a picturesque home and does not insure it on time, and he witnesses a fire burning down his investment(Home), in such case, he turns back to zero. Thus it is impetus to protect our loved ones and ourselves with the right Insurance at the right time.
No Claim Bonus- Explained by Mr. Sanjiv Bajaj
No claim bonus is a bonus that is allowed under health and motor insurance policies if you do not claim during the coverage period. It was first introduced in Motor and health insurance, but now it's being copied widely as it has stretched to even Term Insurance. Suppose a vehicle with an Insured Declared Value of INR 5 lakhs has yet to claim in the previous year, and its annual premium is INR 15,000. In that case, the policyholder is eligible for a No Claim Bonus at the time of renewal and will only need to pay INR 11,250
Decode what to prioritize first - LIFE INSURANCE or HEALTH INSURANCE
In the wake of the global pandemic, it has underscored the need for individuals to prioritize their health and be prepared against any financial stress in the event they face any such illness with appropriate Insurance. Therefore, this should be chronologically purchased in this order starting with Health Insurance, quickly followed by Term Insurance.
Mr. Vighnesh Shahane quoted that - "I staunchly urge every individual to purchase Health and Term Insurance, and the best time to buy it was YESTERDAY."
Critical questions to ask your Insurance agent before buying any related product in the company.
(i) Always go ahead and ask for the claim settlement reputation of the company.
(ii) What is the reputation and fund performance of the company.
(iii) What is the general strength of the company.
(iv) Always ask for the correct queries and solutions on paper to establish transparency and accountability.

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Buy Right, Sit Tight Strategy

bajaj_admin — Thu, 10 Nov 2022 09:36:58 +0000

Buy Right, Sit Tight Strategy bajaj_admin Thu, 11/10/2022 - 15:06

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Buy Right, Sit Tight Strategy

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Be Money Smart. Be FINtastic.

As rightly suggested by Mr. Sanjiv Bajaj, Wealth Creation starts with Wealth Protection. FINtastic Talks Season 2 is back with its 8th episode featuring Mr. Aashish P. Somaiyaa, Executive Director & CEO of WhiteOak Capital Mutual Fund.

Episode Key Takeaways ( in English )

Investment always chases growth, when there is no growth, there is no investment.
“If Indians are contributing 20% to the world’s growth, it is going to be the biggest labour market, biggest consumer market. Hence, the biggest destination for Investment in the world. This should excite any investor in India knowing things have changed for the better”. Aashish P. Somaiyaa
Don't Invest in a Fund by its Past Rating.
“Don’t Invest in the past!
The market proves that whoever has done good in the last 1/2/3 years is because the strategies at that time have worked for them. The strategies keep changing. A fund doing great at the moment can be the worst performer in the next 1 to 3 years”. Sanjiv Bajaj
Buy right, Sit tight strategy.
When you are buying and selling mutual funds, ultimately, it has uncertain outcome. So anything with uncertain outcome means that if you take 10 decisions, 5 times you will be right & 5 times you will be wrong. So take fewer decisions but more concrete high-conviction decisions.
Make savings a Daily Habit.
If you make a budget then you can make a habit of saving & SIP is the best way to do that. SIP is one of the most flexible investment options and you don't have to worry about paying the installments because minimum ticket size of starting a SIP is Rs. 500.
What to choose? Open-ended or Close-ended Mutual Funds.
As an Investor, you should go for open-ended funds. If you want to save taxes, you should invest in ELSS, which is close-ended. It is better to have the flexibility of open-ended funds.
The broader your portfolio the more consistent performance you will have.
So if you want a consistent performance go for broad-ended mutual funds for more consistent performance. As you reach a balance of all factors then you will be able to overcome all kinds of macro conditions and your performance will not swing from wild outperformer to wild underperformer and back and forth.

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FINtastic Talks with Sanjiv Bajaj feat Satishwar Balakrishnan - MD & CEO of Aegon Life Insurance

bajaj_admin — Tue, 25 Oct 2022 13:45:40 +0000

FINtastic Talks with Sanjiv Bajaj feat Satishwar Balakrishnan - MD & CEO of Aegon Life Insurance bajaj_admin Tue, 10/25/2022 - 19:15

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Life Insurance: Best Protection for your Family

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Be Money Smart. Be FINtastic.

As rightly suggested by Mr. Sanjiv Bajaj, Wealth Creation starts with Wealth Protection. FINtastic Talks Season 2 is back with its 7^th episode featuring Mr. Satishwar Balakrishnan, MD & CEO of Aegon Life Insurance.

Episode Key Takeaways ( in English )

Decode what it means to be a Digital-First Life Insurance Company - Mr. Satishwar Balakrishnan
Most people misinterpret the meaning of a digital-first life insurance company. By digital-first, it is assumed that it's direct to customer company that operates through a website. Whereas internationally, a digital-first company is a company that has digitized processes, has minimal office staff, and mainly depends on distributors.
The Importance of every function is critical to an organization's growth in Digital transformation
Digital transformation in a company happens when all, not just tech, function properly and adapt to perform. So whatever chain comes into the ecosystems have to get connected to perform together.
"Insurance takes care of two things for you: Dying too Young & Living too Long" - Mr. Satishwar Balakrishnan
Life Insurance is the protection piece that takes care of two extremes for you, that is - Dying too Young & Living too Long. Life Insurance taken well in time will cater to your emotional aspect. Once you have decided to buy a Term Plan, it is important to do the essential formalities yourself. Then, for building your savings, look for good investment products by reading through their features, analyzing benefits illustrations, or asking an investment expert.
Being extremely truthful while buying a Life Insurance policy helps during the Claim Settlement - Mr. Satishwar Balakrishnan
While buying a Life insurance policy, one needs to be extremely truthful, especially when answering all those health questions, income declarations, and other relevant pieces required from life insurance companies. People often do not answer them correctly enough as there might be an extra charge for declaring adversities, but this might be problematic later not declaring it. A proper onboarding process done most sincerely would only help in claim settlement in time of need.
"Investment is a Long Term Journey rather than a quick stopover" - Mr. Sanjiv Bajaj.
So it is essential to understand that Investment is a long-term journey. Markets will go up or down, but one needs to stay invested. Choose investments that can help you save on tax, i.e., section 80C of the Income Tax Act 1961, which will assist you increasing your disposable income. The crux is to stay invested for the long-term.
"Wealth Creation happens only after protecting it first" - Mr. Sanjiv Bajaj
Wealth creation can be said as a prerequisite to wealth protection. The first step is to buy Adequate Health Insurance, then secure your loved one's future with appropriate Life Insurance, and then Insure your Assets, such as your car, home, etc. Securing these will help investments and savings remain intact and lead to wealth creation.

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Strategy for Right Investments

bajaj_admin — Sun, 02 Oct 2022 16:44:03 +0000

Strategy for Right Investments bajaj_admin Sun, 10/02/2022 - 22:14

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Strategy for Right Investments

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Be Money Smart. Be FINtastic.

In this 6th episode of the FINtastic Talks Season 2 with Sanjiv Bajaj, join us for a session on compounding your wealth & life with Navin Agarwal (MD & CEO - Motilal Oswal AMC)

Episode Key Takeaways ( in English )

Optimist v/s Pessimist and their investing mantra
Pessimist vs. Optimist investors populates the finance world. Investors with zero pessimistic tendencies may soon realize that investing is more than just optimistic betting. However, being overly pessimistic will keep an investor isolated due to fear, which may sometimes be irrational. Trying is the best way to move forward, and failure is the road to success. Equity is always meant for the optimist, and Fixed Income is destined for the pessimist. Thus, to be successful in investments, neither of the two principles should be ignored nor be over-relied.
Discover the art of converting your Second Income into business!
Your second income should be so significant that it should be able to fund a lifestyle equivalent to your current lifestyle. It would be best to put your investments to work; on average, a human can work 8-14 hours a day, but your money can work 24 hours x 365 days a year. Thus, investing in your second income ensures that you can earn enough so that your money can outlast you. Driving your second income is similar to driving a car initially; it isn't easy to steer the wheel, but once you get a hold of its technique, you begin to enjoy the seamless journey. The same is with your wealth creation and investment journey. It is just a matter of starting and taking charge of the wheels by following the proper norms and treating them like your business.
“History never repeats itself, but it does often rhyme.” - Mr. Navin Agarwal comments on Corporate GDP profit & Stock Markets
From 2002-2008 a 2% Corporate profit to GDP went up to 8%. In 2021, when we last discussed, corporate profits were 2%, and today, as we speak, they have already doubled to 4 %. As quoted by Mr. Navin Agarwal - “I believe that we are only midway in that process, and we can expect the corporate profit to speed up to 8 % very soon”. In 6 years, markets went up by nearly 6 times. NIFTY, which started its journey on 1st Jan 2022 at 1100 points, went all the way up to 6,300 points, and today, it is moving up to 17,000 points gradually. So markets are already up by 1.4%, which is still in the early stages.
Similarities between Birthdays and Stock Markets
Just like birthdays, stock markets are also an annual affair. Since the beginning of Sensex in 1979, markets have either fallen by 10% in a year or 20% and sometimes even 40-50%. The only difference is that while birthdays fall on a fixed date, markets do not fall around a specified date. Mr. Navin Agarwal urges every individual to celebrate the market falls just like your birthday because, in the long run, the stock market will create enormous wealth. Moreover, these dips allow you to buy cheaper for the long term, and it should be equally much of a celebration for an investor, like birthdays, and we should make the most of it.
Grow your portfolio with the QGLP Investment Philosophy
In QGLP, the alphabet "Q" stands for quality: quality of business, top quality business run by top quality management. If you have got these two right, you cannot lose money. At what pace will you make money that the growth and the price will determine? Next is looking at the "G"- growth parameter, which is extremely important in value creation. And so not only growth for next quarter, or next year, but growth for next 5,10,15 years, and that's where I think your vision or visionary thinking plays a role. India is a growing country at around 6-7%, which will be there for few decades. So that gives you growth potential in a company. “L” is the longevity of growth and longevity quality. And then, finally, the "P" is the price of having these three things. Any company, be it Large Cap, Small Cap, or Mid cap, can fit into this investing funnel and should be added to your portfolio.

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FINtastic Talks with Sanjiv Bajaj feat Avinash Satwalekar - CEO of Franklin Templeton Mutual Fund

bajaj_admin — Sun, 28 Aug 2022 07:35:19 +0000

FINtastic Talks with Sanjiv Bajaj feat Avinash Satwalekar - CEO of Franklin Templeton Mutual Fund bajaj_admin Sun, 08/28/2022 - 13:05

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The Power of SIP by Long-Term Investment

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Tue, 09/20/2022 - 16:30

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Episode Description

Be Money Smart. Be FINtastic.

In this 5th episode of the FINtastic Talks Season 2 with Sanjiv Bajaj, join us for a session on compounding your wealth & life with Avinash Satwalekar (CEO - Franklin Templeton Mutual Fund)

Episode Key Takeaways ( in Hindi )

दूसरी आय के निर्माण के रहस्य जानना चाहते हैं?
ज़्यादातर लोग, आमतौर पर अपने व्यस्त कार्यक्रम के कारण धन निर्माण की संभावना को नज़रअंदाज़ कर देते हैं। आप इस दूसरी आय के साथ ढेर सारा धन बना सकते हैं। इस प्रक्रिया की शुरुआत में आपको निवेश कर उनके साथ व्यवसाय जैसा व्यवहार करना चाहिए। आपको भावुक हुए बिना निवेश करना चाहिए, सबसे अधिक रिटर्न की लगातार उम्मीद और जोखिम की चिंता किए बिना। अपनी दूसरी आय के पोर्टफोलियो की हर गतिविधि को बारीकी से नहीं जांचें; उसे पेशेवर और विवेकपूर्ण तरीके से देखें।
बाज़ार की अस्थिरता और उससे कैसे निपटा जाए?
कुछ समय से बाज़ार में बहुत अस्थिरता का माहौल है। दुनिया भर में बहुत कुछ चल रहा है और दुनिया भर के लोग भविष्य को लेकर चिंतित हैं। पश्चिम में मुद्रास्फीति की बहुत ऊंची दरें, यूक्रेन में जारी संघर्ष या फिर अमेरिका में मंदी की संभावना और दुनिया पर उसका संभावित प्रभाव, ये कुछ ऐसे विषय हैं जिनके कारण नकारात्मकता का माहौल चारों ओर बना हुआ है। अस्थिरता कायम रहने वाली है, इसमें कोई दो राय नहीं है, लेकिन अगर हम अपनी उम्मीदों में समझदारी से हेरफेर करें और लगातार निवेश करने के अपने उद्देश्य से भटकें नहीं, तो हम इस परिस्थिति का लाभ उठा सकते हैं।
निवेश करते रहने में ही समझदारी है।
बाज़ार में टिके रहने का सबसे अच्छा तरीका है बिना देरी किए निवेश करते रहना, मौके पर निवेश करने से भविष्य में कोई लाभ नहीं मिलने वाला है। यदि किसी भी निवेश को लंबे समय तक कायम रखा जाए, तो वो लाभ देती है, जैसे कि निफ्टी 50, अगर आपने 25 वर्ष पहले निफ्टी में 1 लाख रुपए का निवेश किया था, तो आज आपको 16 लाख रुपए ही मिलेंगे। यानी 12% चक्रवृद्धि वार्षिक रिटर्न। औसतन, 25 वर्षों में 6000 कारोबारी दिन होते हैं, लेकिन अगर आपको हर दिन स्विच करने की आदत है और आप अगर कम से कम 5 बेहतरीन कारोबारी दिनों से भी चूक जाते हैं, तो आपकी रिटर्न में वार्षिक रूप से 9.6% की भारी गिरावट आएगी और आपको केवल 10 लाख रुपए मिलेंगे। श्री संजीव बजाज के अनुसार, "निवेश करते रहना और अपने निवेश पर भरोसा करना आपके कॉर्पस को काफी हद तक बढ़ाने के लिए ज़रूरी है।"
अपनी एसआईपी पर टिके रहें - श्री संजीव बजाज द्वारा एसआईपी पर मूल्यवान जानकारी
लगभग हर वह व्यक्ति जो 10 वर्षों तक बाज़ार में निवेश करता है, लाभ कमाएगा। हालांकि, 92% लोगों को पैसा नहीं मिल पाता क्योंकि वे अपने हाथ पीछे खींच लेते हैं और डर के कारण वे बाज़ार कमज़ोर होने की स्थिति में उसमें से पैसा बाहर निकाल लेते हैं और बाज़ार मज़बूत होने पर ज़रूरत से ज़्यादा खरीदारी करते हैं। अगर आप आज अपनी एसआईपी शुरू करते हैं, तो बाज़ार में उतार-चढ़ाव की परवाह किए बगैर उसे अपनी गति से चलने दें। वास्तविक लक्ष्य निर्धारित करें और उनके ऊपर डटे रहें।
निवेशक को अगले 10-15 वर्षों के लिए निवेश पर अच्छी कमाई के लिए अपना पोर्टफोलियो कैसे तैयार करना चाहिए?
म्यूचुअल फंड की सफलता के लिए संपत्ति का उचित आवंटन ज़रूरी होता है। अगर आपने सारा निवेश एक स्थान पर किया, तो हो सकता है आप अपने लक्ष्य के करीब नहीं पहुँच पाएं। एक निवेशक के तौर पर आपको हमेशा अपने पोर्टफोलियो में विविधता लानी चाहिए। आपको हर तरह का स्टॉक आज़माना चाहिए। जीओआई बॉन्ड, डेट म्यूचुअल फंड और इक्विटी म्यूचुअल फंड का विकल्प चुनें। निवेशक की सबसे बड़ी गलती यह होती है कि वे 1-2 फंड चुन कर उनके प्रति वफादार रहते हैं। आपके पास अपनी जोखिम की भूख और अपनी पसंद के फंड के आधार पर विकल्पों और योजनाओं का समूह होना चाहिए।
कोई व्यक्ति अपनी म्यूचुअल फंड योजना की पर्फार्मेंस पर कैसे नज़र रख सकता है?
अपनी म्यूचुअल फंड योजनाओं पर नज़र रखने और उनका विश्लेषण करने के लिए बहुत ज़रूरी है कि पोर्टफोलियो की समीक्षा की जाए और यह समझा जाए कि कहां हानि होने की संभावना है और कहां आपको मदद और समर्थन की ज़रूरत है। आप पोर्टफोलियो की समीक्षा कर अपने म्यूचुअल फंड की पर्फार्मेंस की निगरानी कर सकते हैं। अपने म्यूचुअल फंड की योजना को बेहतर समझने के लिए आप bajajcapital.com पर उपलब्ध विस्तृत रिपोर्ट ऐक्सेस कर सकते हैं, जिसमें रजिस्ट्रार द्वारा प्रदान की गई रिपोर्ट से अधिक जानकारी मौजूद है।

Episode Key Takeaways ( in English )

Unearth the secrets to creating a Second Income?
Most people usually overlook the prospect of creating wealth due to their busy schedules. You can build your empire of wealth with this second income. The initial step in this process is to make investments and treat them like a business. You must invest emotionlessly, without constantly hoping for the highest returns and worrying about the risk. Don't micromanage your second income portfolio every minute; look at it professionally and prudently.
Market Volatility and how to deal with it?
There has been a lot of volatility in the market for quite some time. There’s a lot happening globally, and people across nations are petrified of what might turn around. The extreme high inflation rates in the west, the Ukraine conflict constantly raging, or the possibility of a recession in the US and its possible impact across the globe are all constant negatives that surround us. It is inevitable that volatility will persist, but we can play it smartly to our advantage if we set clear expectations and constantly remain invested in our goal without deflecting from it.
The power to remain invested.
The best way to play the market is by aiming to remain invested in it without delay, and timing the market does not benefit in the long run. Any investment will turn out to be beneficial if it's held on for long, for ex-NIFTY50, if you invested Rs. 1 Lakh 25 years ago in NIFTY, you would have your hands on Rs. 16 lakh today. That is a 12% compounded annual return. On average there are, 6000 trading days in 25 years, but if you are in the habit of switching every day and you miss at least 5 best trading days, your returns will drop drastically to 9.6% annually and get only Rs.10 lakh. As quoted by Mr. Sanjiv Bajaj, "Remaining invested and true to your investment is critical to substantially grow your corpus."
Stick to your SIP - Valuable observation on SIP by Mr. Sanjiv Bajaj
Almost everyone who invests for 10 years makes money if they remain in the market. However, 92% of people don't get money because they get cold feet, and their fear compulsions drive them to extricate themselves from markets when they fall and to over-buy when markets rise. If you start your SIP, you should let it run at its own pace, despite market fluctuations. Set a realistic investment horizon and stick to it.
How should an investor create a basket for his portfolio for a good investment horizon for the next 10-15 years
Maintaining a proper asset allocation is key to the success of your Mutual Funds. You are bound to lose sight of your goals if you put all your eggs in one basket. As an investor, you should always diversify your portfolio. You must have your hand in every pie. Opt for GOI Bonds, debt mutual funds, and also equity mutual funds. The biggest mistake the investor make still is that they choose 1-2 funds and remain loyal to them. You must have a set of options and schemes depending upon your risk appetite and the corpus of your choice.
How can one track the performance of their mutual fund scheme?
The key to tracking and analyzing your mutual fund schemes is to get a Portfolio Review and understand where you are exposed and where you need help and support. Performance monitoring of your mutual fund can be done through Portfolio review. To better understand your mutual fund's scheme, you can access this detailed report at bajajcapital.com, which is thoroughly detailed than the one provided by a registrar.

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FINtastic Talks with Sanjiv Bajaj feat Vishy Viswanand - Deputy MD of Max Life Insurance

bajaj_admin — Thu, 18 Aug 2022 14:06:33 +0000

FINtastic Talks with Sanjiv Bajaj feat Vishy Viswanand - Deputy MD of Max Life Insurance bajaj_admin Thu, 08/18/2022 - 19:36

Episode Title

Security. That's Life Insurance.

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fintastic-talks-with-sanjiv-bajaj-feat-vishy-viswanand

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https://www.youtube.com/embed/GOrEPCFJY88?clip=UgkxknMlY6cxv0byN8aUy1t6_AvXUeE1R2-K&clipt=EJirbBiYpW4

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Episode Date and time

Tue, 08/23/2022 - 16:30

Episode Duration ( in minutes )

Episode No.

Episode Description

Be Money Smart. Be FINtastic.

In this 4th episode of the FINtastic Talks Season 2 with Sanjiv Bajaj, join us for a session on compounding your wealth & life with Vishy Viswanand - Deputy Managing Director of Max Life Insurance

Episode Key Takeaways ( in Hindi )

टीआरओपी: क्या यह योजना टर्म योजना से बेहतर है?
युवा पेशेवरों की नज़र से अगर देखा जाए, तो आपको टीआरओपी का चयन करना चाहिए क्योंकि इसमें आपको प्रीमियम का विकल्प मिलता है। टर्म योजना के बजाय टीआरओपी योजना को प्राथमिकता देने के महत्वपूर्ण कारण इस प्रकार से हैं:
- प्रीमियम की वापसी
- अत्यधिक सस्ती
- वैकल्पिक राइडर
- कर-लाभ
क्या किसी व्यक्ति के पास पॉलिसी अवधि की तुलना में कम प्रीमियम भुगतान अवधि हो सकती है?
हाँ, आप पॉलिसी अवधि से कम की प्रीमियम भुगतान अवधि चुन सकते हैं। उदाहरण के लिए, यदि आप 50-99 वर्षों के लिए टर्म पॉलिसी खरीद रहे हैं, तो प्रीमियम भुगतान अवधि को 10-15 वर्ष तक सीमित रखें जब कारक अधिक नियंत्रणीय हों और आप अपनी इच्छा के अनुसार प्रीमियम का भुगतान जल्दी कर सकें।
अमीर बनाम धनवान: असली अंतर
लोग अक्सर अमीर और धनवान शब्दों के बीच भ्रमित हो जाते हैं, लेकिन इनके मतलब बहुत अलग हैं। यदि किसी व्यक्ति के पास आज 1 करोड़ रुपए हैं, तो वह अमीर है। हालांकि, यदि वह व्यक्ति हर महीने 10 लाख रुपए खर्च करे, तो वह 10 महीने में कंगाल हो जाएगा, तो उसे धनवान नहीं कहा जाएगा। जब आपका धन आपकी मृत्यु के बाद भी कायम रहे, तो ही आप सच्चे धनवान कहलाए जाएंगे।
क्यों आपको अपने कॉर्पोरेट लाइफ इंश्योरेंस पर निर्भर रहने के बजाय खुद की योजना खरीदनी चाहिए?
इस प्रश्न का उत्तर आपको उस स्थिति में देने की ज़रूरत नहीं है यदि आप एक ही ऑफिस में अपना संपूर्ण जीवन बिताने की योजना बना रहे हैं। फिर भी, यदि आप बेहतर अवसरों की तलाश में नौकरी बदलने की योजना बनाते हैं, तो हो सकता है कॉर्पोरेट इंश्योरेंस आपकी आवश्यकताओं को पूरा करने के लिए पर्याप्त नहीं हो। कोई भी सामान्य योजना आपके सबसे महत्वपूर्ण वर्षों, यानी 17-85 वर्ष को कवर करती है। यही वह अवधि है जब आपको कवरेज की ज़रूरत होती है और इस समय के दौरान कोई भी कॉर्पोरेट योजना आपकी ज़रूरतों को पूरा नहीं कर पाएगी। तो, बेहतर होगा अगर आप अपने परिवार को वित्तीय सुरक्षा देने के लिए अलग-अलग योजना बनाएं। पर्सनल लाइफ इंश्योरेंस खरीद कर आप अपने बच्चों को आरामदायक ज़िंदगी जीने में मदद कर सकते हैं।
उम्र को ध्यान में रखते हुए लाइफ इंश्योरेंस के माध्यम से आदर्श रकम जुटाएं!
अपनी ज़िम्मेदारियों को ध्यान में रखते हुए कोई भी आम व्यक्ति चाहेगा कि उसे उसकी आय पर निर्भर करते हुए लाइफ इंश्योरेंस से 2-5 गुणा रकम हासिल हो। अगर शादी करने, अपने सपनों का घर बनाने, आदि जैसी ज़रूरतों को प्राथमिक ज़िम्मेदारियों में जोड़ दिया जाए, तो आप चाहेंगे कि लाइफ इंश्योरेंस से आपको अपनी आय से 5-8 गुणा अतिरिक्त रकम हासिल हो। इसी तरह, एक बार बच्चे हो जाने पर भूमिकाओं और ज़िम्मेदारियों के बढ़ने से आप चाहेंगे लाइफ इंश्योरेंस से आपको अपने संपूर्ण परिवार की ज़रूरतों को पूरा करने के लिए अपनी आय से 15-20 गुणा अतिरिक्त रकम हासिल हो। आज, लाइफ इंश्योरेंस होना ज़रूरी होता है और लाइफ इंश्योरेंस पर कम ब्याज दरों को ध्यान में रखते हुए (विशेषज्ञों के अनुसार औसत 5%), आपको किसी भी स्थिति में इस अवसर को हाथ से नहीं जाने देना चाहिए।
वित्तीय स्थिरता - जीवन की ज़रूरतों को पूरा करने और आगे बढ़ने के लिए सबसे महत्वपूर्ण कारक!
स्थिरता से ही धन निर्माण की नींव स्थापित होती है, जिसके बाद ही आप अनूठी योजनाएं बना सकते हैं, उचित जोखिम उठा सकते हैं और अपने वित्तीय लक्ष्यों का मूल्यांकन कर सकते हैं। मुश्किल समय में हर व्यक्ति को किसी सहारे की ज़रूरत होती है; बिना किसी सहारे के आप लंबे समय तक अपनी योजना में निवेश कायम नहीं रख पाएंगे और न ही उससे फायदे उठा पाएंगे। विशी विश्वानंद के अनुसार, अपनी वित्तीय आदतों में स्थिरता कायम रखना और जितना हो सके लंबे समय तक निवेश करते रहना बहुत ज़रूरी है।
क्या चुना जाए - खरीद मूल्य की वापसी बनाम वार्षिकी?
आपके परिवार में सदस्यों की संख्या निर्धारित कर सकती है यदि आपको वार्षिकी का चयन करना चाहिए अथवा नहीं, यदि आपके परिवार में आश्रित सदस्य नहीं हैं जिन्हें आप एक-मुश्त लाभ देना चाहते हों। इसके विपरीत, यदि आप अपने बच्चों के लिए कॉर्पस छोड़ना चाहते हैं और ब्याज दरों से गुज़र-बसर करना चाहते हैं, तो आपको खरीद की वापसी का चयन करना चाहिए, बताया श्री संजीव बजाज ने।

Episode Key Takeaways ( in English )

TROP: Is it better than TERM plan?
Gauging from the eyes of young professionals, you should opt for TROP since it comes with a premium option. Significant reasons to prefer the TROP plan over Term plan are as follows:
- Return of premium
- Highly affordable
- Optional riders
- Tax-benefit
Can a person have a shorter Premium Payment Term than the policy period?
Yes, you can choose to have a Premium Payment Term that is less than the policy period. For example, if you are buying a term policy for 50–99 years, restrict the premium payment period to 10-15 years when the factors are more controllable and you can quickly pay-off the premium as per your will.
Rich vs Wealthy: The Real difference
Rich and Wealthy are often confused words, but their meanings are vastly different. If a person has 1 Cr. today, he is rich. However, if he spends 10 lakh every month, he will end up being broke in 10 months, so he is not wealthy. When your wealth outlasts you, you are genuinely Wealthy.
Why is it significant to not rely on your Corporate Life Insurance and rather purchase your Individual plan?
This question should not bother you unless you are planning to spend an eternity in the same office. Still, corporate insurance might not be sufficient to cater to your needs if you plan to switch jobs in search of better opportunities. Your most significant period is between the ages of 17–85 if you buy a standard plan. It is when you need coverage, and during this time, none of the corporate plans will cater to your needs. So, it would be best if you plan your legacy separately. Create a safety net for your children by purchasing personal life insurance and afford the luxurious life you have planned for them.
Unlock the ideal amount of Life Insurance for your age!
Depending upon the responsibilities on his shoulder, a typical person would need 2–5 times the amount of life insurance depending upon his income. When primary responsibilities are added to life such as marriage, building your dream home, etc., you should have an added 5-8 times the life insurance against your income. Similarly, once children are in the picture, then with added roles and responsibilities, ideal life insurance sums around 15-20 times your income to cater to the needs of your entire family. Today, life insurance is necessary, and with falling interest rates averaging 5%( as per the experts) on life insurance, one must not miss it at any cost.
Financial Stability - the sheet anchor to sustain and grow in life!
Stability is the foundation of Wealth Creation, on which you can create exotic plans, measure suitable risk, and asses your financial goals. Every ship needs an anchor to ground it during a storm; without a sheet anchor, you can’t remain invested in your plan for long and thus fail to reap its benefits. Therefore, it is imperative to maintain stability in your financial habits and remain invested for as long as possible, as quoted by Vishy Vishwanand
What to choose- Return of Purchase Price v/s Annuity?
Your family structure may determine whether or not you should opt for an annuity if you do not have dependent family members to whom you wish to provide lump sum benefits. In contrast, if you wish to leave your children with a corpus and want to live on interest rates, then you should opt for a return of purchase, as quoted by Mr.Sanjiv Bajaj.

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Vishy Viswanand

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FINtastic Talks with Sanjiv Bajaj feat Vishy Viswanand - Deputy Managing Director of Max Life Insurance

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FINtastic Talks with Sanjiv Bajaj feat Vishy Viswanand - Deputy Managing Director of Max Life Insurance

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