Competition Success[1][1]

Competition Success : 

Competition Success 1 Make the right move..

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Why Competition Success? : 

Why Competition Success? What comes to your mind when some prospect asks you how is your product better than product “x”? Will you feel confident if you had all details of all products in the market @ ur Hand ? Competition success will make the selling process easier 3

APC Wealthsurance Sales Process : 

APC Wealthsurance Sales Process 4

Competition Success : 

Competition Success It’s a tool to make your pitch easy Makes you more knowledgeable about all competition offerings . Gives you conviction to speak to customers when you face an objection . Equips you with up to date info on all features of Competitor’s products and guides you to pitch WEALTHSURANCE. Makes your selling process easier as “Knowledge is Power” 5

WEALTHSURANCE : 

WEALTHSURANCE 6 ALL PRODUCTS IN THE FINANCIAL MARKET VS

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7 Typical Savings Habits Income Spend Save Income Income Spend Spend Save Save Investment Savings are Forced in Nature Savings will not grow unless Invested.

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8 Investment Avenues .. PROTECTION – GUARANTEES Life Insurance, Health Insurance (3% to 5%) VERY LOW to MODERATE RISK PPF, FD’s, Annuities, Savings Plans, OPP MODERATE RISK Mutual Funds, Stocks, Bonds, etc HIGH RISK Collectibles, Art, Coins etc

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9 RETAIL Banks Government Corporate Mutual Funds P.O Schemes PPF RBI Bonds NSC Equity Debt Derivatives The market provides many investment opportunities Real Estates Life Insurance Gold FD

MARKET TYPES : 

MARKET TYPES FINANCIAL MARKET IS BRODELY DIVIDED INTO LONG TERM INVESTEMNTS AND SHORT TERM INVESTMENTS. 10

How Do I Choose Where to Invest? : 

How Do I Choose Where to Invest? 11 SAFETY RETURN LIQUIDITY Also, Inflation Taxation

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Liquidity - how accessible is your money? Safety - what is the risk involved? Return - what can you expect to get back on your investment? 12 Investment Planning

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13 Interest rate risk Credit risk Capital risk Inflationary risk Liquidity risk Legislative risk Market risk Selection risk Types of Risk Associated With Financial Investments

Asset Types : 

Asset Types Physical and Financial Assets 14

Physical AssetsReal Estate : 

Physical AssetsReal Estate Advantages Returns -Physically Present Disadvantages Not for the Small investor Liquidity- Time, Trust Frauds Lot of formalities Overpriced 15

Gold : 

Gold Advantages An Indian obsession Highly liquid with low trading commissions Aesthetically attractive Hedge against Inflation Disadvantages No absolute Returns Do not provide regular current income Possibility of being cheated Hazard to your life 16

Financial Assets : 

Financial Assets 17 Interest Loan Debt Equity Ownership Profits

Kisan Vikas Patra- KVP : 

Kisan Vikas Patra- KVP Minimum amount of investment is Rs1000/- No maximum limit. Investment doubles in 8 years and 7 months. 8.4 % Compound Interest rate. Assured Returns Premature Encashment after 2.5 Yrs with Penalty Interest Taxable Not come U/S 80© 18

National Savings Certificate : 

National Savings Certificate Issued at Post Office. Comes in denominations of Rs 100, Rs 500, Rs 1000, Rs 5000, Rs 10,000. Term of 6 years.Rs 100 becomes Rs.160 Compound Rate of return works out to 8.16% No Premature Encashment within 6 yrs Sec 80 C benefit applicable Interest amount taxable 19

Bank Deposits : 

Bank Deposits Varying Maturities Maximum of 10 yrs. Assured Returns Capital Protection Premature encashment subject to penalty Interest Taxable Benefit of 80 C for F.D of 5 yrs & above 20

Monthly Income Scheme of Post Office : 

Monthly Income Scheme of Post Office Minimum investment- Rs 1000, Max- 3 lacs in single account and 6 lacs in joint account. Tenure 6 yrs 8 % Interest Paid Monthly Bonus of 10 % paid on maturity. Interest earned is taxable Premature encashment – after 1 year with penalty of 4% 21

Public Provident Fund (PPF) : 

Public Provident Fund (PPF) Min deposit of Rs 500, maximum Rs 70,000/- Assured Tax free interest of 8.0% p.a. compounded over the entire term. Maturity period: 15 years; Extendable in blocks of 5 years after maturity Option to withdraw 50% of preceding year balance, from 7th year onwards. Only one withdrawal per year. Lock In Period of 7 yrs. 22

RBI Savings Bond : 

RBI Savings Bond Min- Rs1000/- Max- No Limit. Maturity period- 5yrs from date of issue. Two Options- Cumulative and Non Cumulative. Interest 8% per annum, payable half yearly. Cumulative- Rs 1000 becomes 1480/- after 5yrs Interest earned is taxable. Bonds are transferable. Nomination facility is available. Can be offered as security to banks for availing loans. 23

Equity Linked Savings Schemes – what? : 

Equity Linked Savings Schemes – what? After the financial year ending 1992, Equity-Linked Saving Schemes (ELSS) were covered under Section 80, enriching the tax provisions pertaining to long-term capital gains. By law, ELSS is required to have at least 80 percent of its funding amount invested in equities. The dividend from equity based schemes by UTI / MFs /ELSS is tax-free 24

Equity Linked Savings Schemes - Limits : 

Equity Linked Savings Schemes - Limits Contributions to ELSS are eligible for rebate under Section 80 with a sub-ceiling of Rs.10,000/- within the total of Rs.100,000/- ELSS’s performance usually emulates market conditions 25

MF Advantages : 

MF Advantages Professional Management Time the market Small Investments Diversified Portfolios Liquidity Tax Breaks Tax-free in the hands of the investor Capital gains indexation 26

Disadvantages : 

Disadvantages No assured returns No protection of capital Restrictive gains Capital Gain Tax 27

Unit Linked Insurance Plan : 

Unit Linked Insurance Plan ULIP has a fairly reasonable Life Insurance cover available. ULIP offers tax rebate under Section 80© & 10(10)D with a tax free dividend and benefit of long term capital gains after maturity The yield is fairly high if the age at entry is young and it descends slowly along with the age of the holder 28

Unit Linked Insurance Plan : 

Unit Linked Insurance Plan ULIP is available in different term periods, starting from 5 years to 58 years. Benefits –Life insurance cover at nominal premium, accident cover, riders benefit, decent rate of returns and rebates under Sec80C & 10(10)D 29

Why should I not invest in term with mutual funds to get better returns??? : 

Why should I not invest in term with mutual funds to get better returns??? Term with mutual funds is neither as flexible nor as customer friendly 30 Thus, you pay higher than average premiums in your younger years In a level term product, you pay the same premium every year for the life of the policy. Unit linked protection premiums are lower in younger years and rise as you get older. Therefore, higher money available in the younger years for investment, giving better overall returns due to compounding of your money Term plus mutual fund does not allow flexibility to reduce or increase sum assured, if so required, But it is possible with Ulips. Unit linked policies charge premium only for the difference between cover amount and value of units in your account (SAR) therefore ensuring greater money invested than in term and mutual fund

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Inflation v/s Interest : 

Inflation v/s Interest Simply put….. A Shirt Cost Rs. 100 in Jan 2007 Inflation is 8%, this means in Jan 2008 it will cost Rs.108 My Rs. 100 is invested in RBI Bond in Jan 2007 Interest is 6%, this means I will get Rs. 106 in Jan 2008 So I have lost money and not made money. Thus my investment must always be at an interest rate Higher than the rate of inflation 33

The Effect of Inflation on our Investments : 

The Effect of Inflation on our Investments 34

The Right Investment Kind : 

The Right Investment Kind One which is fulfilling my Short & Long term Goals Should Provide me with the Tax benefits Should give me Capital Appreciation Be able to beat Inflation Flexible to suit my needs Liquidity in case of emergency Should secure my Future Provide Protection to my family Self completing in Nature Should Provide safety of my Money 35

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36 Phase I Phase III Phase II Birth & Education Earning Years 38 yrs 22 yrs Over 15 - 25 yrs Housing Child Education Children’s Marriage Retirement Marriage Children Income 22 yrs 60 yrs Age Someone Provides I Have to Provide Self Provision The Life Cycle Stage !!!

Ideal Investment Plan : 

Ideal Investment Plan 37 PROTECTION SAVINGS INVESTMENT LIFE COVER REGULARSAVINGS LONG-TERM RETURNS

Instruments : 

Instruments 38

What's Wealthsurance Investment A/C : 

What's Wealthsurance Investment A/C A Protected Investment account that takes care of all your needs at all walks of your life. An account that gives you utmost flexibility which suits your requirement. It’s a Wealth builder account that multiplies your wealth with time. A tax free Savings cum Investment A/c which gives hosts of fund options and benefits. 39

WEALTHSURANCE INVESTMENT A/C : 

WEALTHSURANCE INVESTMENT A/C 40 WEALTHSURANCE AS A FD/RD/PPF/NSC WEALTHSURANCE AS A BOND WEALTHSURANCE AS A POSTAL SAVING WEALTHSURANCE AS A MUTUAL FUND Introducing India’s 1st Investment Account DO YOU HAVE A WEALTHSURANCE A/C?

WEALTHSURANCE-A HAPPY FAMILY ACCOUNT : 

WEALTHSURANCE-A HAPPY FAMILY ACCOUNT 41 Comforts & Luxuries For Self & Family Child’s Education/Marriage Health benefits Retirement FAMILY WEALTH A/C

What's your top priority? : 

What's your top priority? 42 Child education Retirement Health expenses Special Events Wealth Creation

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43 Where do you generally invest your money? FINANCIAL INVESTMENT AVENUES BANK PPF/ BONDS/NSC MUTUAL FUNDS DIRECT EQUITY

How do we compare with other investment alternatives? : 

44 How do we compare with other investment alternatives?

Where do people invest? : 

45 Where do people invest? Bank Deposits Post Office Time Deposits Public Provident Fund Additional contribution to EPF RBI Bonds Mutual Funds Stocks

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46 Comparison with Bank and Post Office Time Deposits

How to attract Deposit /RBI Bond Investors : 

47 How to attract Deposit /RBI Bond Investors

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48 Comparison with Public Provident Fund

How to attract PPF investors : 

49 How to attract PPF investors

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50 Comparison with Mutual Funds

How to attract Debt Mutual Fund investors : 

51 How to attract Debt Mutual Fund investors

How to attract Equity mutual fund investors : 

52 How to attract Equity mutual fund investors

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53 Portfolio Convenience

Portfolio Convenience : 

54 Portfolio Convenience One-time Premium Allocation Charge One Account containing all types of investment options One Account view and convenience New Fund Launches available to all Account Holders Tax-free Wealth Builder Account Set up an Account with adequate Sum Insured Open an Account with Endless possibilities