Ranjeet Kumar’s Post

The subject was on my mind for some time now. Why do we sell insurance as an investment product? Shouldn’t it be sold as a protective umbrella which it is! Here is the link to the published version of the article in Business Standard online edition. Do post your views. #insuranceasasocialsecurityproduct #insuranceforall

Insurance is for your protection not for investment!! . . . . . . . . #savvywealth #camanishramtri #money #entrepreneur #business #financialinvestment #finance #insuranceplanning #safety #protection #insurance #insuranceagent #insuranceclaim #insurancepolicy #insurance_solutions #health #healthiswealthinsurance #healthinsuranceplan #healthinsurancepolicy #healthinsuranceagent #healthinsuranceforall

[Updated] Insurance as Investment? Think Again! In India, there are over 24 lakh life insurance agents, while mutual fund distributors are just around 23,000+. This means you're 100 times more likely to come across someone selling you insurance as an investment product. But is it really a wise investment? Let’s break it down: I recently saw an insurance plan that promises ₹21 lakhs after 25 years if you invest ₹100 per day for 16 years, followed by a relaxing period of 9 years. Now, let's compare this with a mutual fund investment of ₹100 per day for the same 16 years, followed by the same 9-year break. Here’s what you could get with mutual funds after 25 years: At 12% CAGR: ₹52.12 lakhs At 15% CAGR: ₹94.04 lakhs At 18% CAGR: ₹1.72 crores Clearly, mutual funds can provide significantly better returns than insurance over time. However, with over 2,000 equity schemes available, it's crucial to have an expert manage your portfolio to maximize returns while balancing risk. Choose smart investments. Choose FiSC Capital. #MutualFunds #InvestmentTips #InsuranceVsInvestment #FinancialPlanning #FiSCCapital [Note – In the earlier version, I mistakenly relied on the agent's explanation of the insurance plan, which seemed to offer a guaranteed 11% IRR. After reviewing the details, I found the plan to be far less attractive. The updated information reflects these corrections. Apologies for any confusion caused.]

Net investment income in the U.S. property/casualty insurance segment hit a record high in 2023 of $73.9 billion, bolstered by the higher interest rate environment, according to a new AM Best report. #insurancenews #insuranceindustry

This is one way to offset your insurance…invest in it.

the current landscape is quite similar to the external environment offshore from 2008 onwards. Meanwhile the investment options is slightly more limited in the China Market, it will be interesting to see how the life products in China will evolve #insurance #products #lowinterestrate

In this volatile market, is my investment safe or how the company makes an investment through our investment? Part 1 Regulation of Investments – Life Insurer A life insurer, for the purpose of these Regulations, shall invest and at all times keep invested, the Investment Assets forming part of the Controlled Fund as under: all funds (excluding Shareholders’ funds held beyond solvency margin, held in a separate custody account) of Life insurance business and One Year Renewable pure Group Term Assurance Business (OYRGTA), and nonunit reserves of all categories of Unit linked life insurance business, as per Regulation 5 b. all funds of Pension, Annuity and Group Business [as defined under Regulation 2 (1)(e) of IRDAI (Actuarial Report and Abstract for life insurance business) Regulations] as per Regulation 6; and c. the unit reserves portion of all categories of Unit linked funds, as per Regulation 7 Reference : Insurance Regulatory and Development Authority of India (Investment) Regulations, 2016 F. No. IRDAI/Reg/22/134/2016.

REGULAR HYGIENE TO FOLLOW FOR FINANCIAL HEALTH! ⭐Daily - Control everyday expenses to increase savings ⭐Monthly - SIP in MF, Equities & NPS ⭐Quarterly - Investment portfolio review ⭐Yearly - Renewal of Term Plan & Health insurance. Review investible surplus, increase investments and rebalance asset allocation. Part payment to close loans faster. Review contigency corpus adequacy ⭐Every 3 Years- Check possibility of affording and adding elite investment products. Assess the value addition of your Financial Advisor and change if needed. Reasses Risk Profile and realign investment portfolio ⭐Every 5 Years - Review Term insurance & Health insurance cover. Review Financial Goals and distance to meet financial goals. Figure out potential secondary income generation.

Beauty Stock Downgraded, Insurance Company Upgraded: Which One Holds the Key to Future Success? #beautystock #buy #diversificationefforts #downgrade #expandingcustomerbase #favorableindustrytrends #financialperformance #futureprospects #growthprospects #increasingprofitability #insurancecompany #intensecompetition #investors #longtermpotential #marketposition #slowergrowth #solidbalancesheet #strategicinitiatives #trackrecord #truevalue #underperform #Upgrade #upsidepotential #valuation

Relative valuation of Nepal Life Insurance Ltd. (Note: Life insurance companies are typically cash-rich businesses, which is why they often have minimal or no long-term borrowings. For industry leader Nepal Life, there are no long-term borrowings, so other financial liabilities are included when calculating gross debt and then net debt are calculated accordingly). **Disclaimer:** This valuation is done for academic and research purposes only. The author bears no responsibility for any investment decisions made based on this report. Feedback is welcome!! Special thanks to Parth Verma Sir The Valuation School!