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🔐 𝗞𝗼𝘁𝗮𝗸 𝗙𝗼𝗿𝘁𝘂𝗻𝗲 𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲𝗿 𝗣𝗹𝗮𝗻: 𝗦𝗲𝗰𝘂𝗿𝗲 𝗬𝗼𝘂𝗿 𝗙𝘂𝘁𝘂𝗿𝗲 𝘄𝗶𝘁𝗵 𝗦𝗺𝗮𝗿𝘁 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗻𝗱 𝗟𝗶𝗳𝗲𝗹𝗼𝗻𝗴 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 Why Choose Kotak Fortune Maximizer? 🌟 100% Guaranteed Traditional Plan Enjoy peace of mind with our fully guaranteed plan. 💹 Higher Rate of Returns Benefit from one of the highest rates in the industry. 💰 Easy Liquidity Access your funds easily from the 13th month onwards. 📈 Investment Growth Double your investment in just 15 years with the option to accumulate and compound your returns. 🛡️ Increasing Life Cover Receive growing life cover from day one. 🔒 Premium Waiver Option In case of unforeseen circumstances, your premiums are waived. 🔄 Flexible Withdrawals Multiple withdrawal options are available each year for your convenience. 👩 Additional Returns for Female Life Enjoy extra benefits for female life insured under the plan. 📊 Double Tax Benefits Claim Premiums: Enjoy tax benefits under section 80(C). Tax-Free Returns: Benefit from tax-free returns under section 10(10D). 𝐀𝐛𝐨𝐮𝐭 𝐊𝐨𝐭𝐚𝐤 𝐅𝐨𝐫𝐭𝐮𝐧𝐞 𝐌𝐚𝐱𝐢𝐦𝐢𝐳𝐞𝐫: The Kotak Fortune Maximizer is a limited-pay participating endowment plan designed to help you achieve your financial goals through a blend of insurance and investment. This plan offers flexibility to match your unique needs, with various options for plan customization, payout methods, and additional riders. ✅ 𝐋𝐢𝐦𝐢𝐭𝐞𝐝 𝐏𝐚𝐲 𝐒𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞: Pay premiums for a limited time while enjoying benefits over a longer policy term. ✅ 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐆𝐨𝐚𝐥𝐬: Ideal for those looking to save for significant life events, such as retirement or children’s education, while receiving comprehensive life insurance protection. Ready to Learn More? 📞𝐒𝐜𝐡𝐞𝐝𝐮𝐥𝐞 𝐚𝐧 𝐀𝐩𝐩𝐨𝐢𝐧𝐭𝐦𝐞𝐧𝐭: 𝑪𝒐𝒏𝒕𝒂𝒄𝒕: 8428953520 Our experts are available for phone, video call, or in-person consultations to provide detailed information about the Kotak Fortune Maximizer Plan. 🛡 𝐒𝐞𝐜𝐮𝐫𝐞 𝐘𝐨𝐮𝐫 𝐅𝐮𝐭𝐮𝐫𝐞 𝐓𝐨𝐝𝐚𝐲! It’s your choice to safeguard your future and protect your family. Invest smartly and stay ahead of the curve with Kotak Fortune Maximizer. #KotakFortuneMaximizer #SmartSavings #SecureYourFuture #LifeInsurance #InvestmentPlan #GuaranteedReturns #FinancialProtection #WealthAccumulation #FlexibleInvesting #TaxBenefits #PlanForTomorrow #FutureSecure #FinancialGoals #InsuranceAndInvestment #MaximizeReturns #KotakLife #SavingsAndProtection #SmartInvestments #SecureFamilyFuture #FinancialGrowth

✨On the occasion of Eid, it’s a tradition of gifting cash💰to children and family members by older relatives or family members as a part of celebration. 🧧When I was on the other side of exchange (I.e excepting cash from elders) , after collecting all the cash(Eidi) instead of spending it on “Wants” , I used to save it for my “Needs”. 🪙Being from a middle class family, I inherit this habit from my parents. They used to tell me that “Every penny saved , is a penny earned”. 💸Saving Eidi on every Eid was like a yearly SIP for me. This childhood habit and learning’s from parents ,specially my father has helped me a lot in my adulthood in managing my finances. ✍🏻Two important lessons that I have learned by investing through SIP is 1. Consistency - It encourages discipline in early investing and fostering a habit of saving. 2. Patience - SIP emphasises on the patience and perseverance in investing . This year on Eid, while gifting Eidi to my younger cousins , I shared the same learning with them and importance of savings. It’s a great way to continue that legacy of financial responsibility. That was the #zindagikeliyesip moment for me. 📊SIP is a valuable tool for building wealth steadily over the time and gives important lessons in financial discipline and patience. HDFC Mutual Fund

#TheHiddenDivide: Consumers vs. Producers in Personal Finance Consumers are those who spend MORE than they earn, Producers are those who earn more than they consume. #Note: To be a producer you have to spend only 20% of your Net annual income. In today's consumer-driven society, a stark contrast exists between those who accumulate wealth and those who struggle to make ends meet. This divide isn't always about income—it's about mindset and financial habits. ##TheConsumerTrap Many of us fall into the trap of excessive consumption: - Purchasing items we rarely use - Succumbing to the allure of "new" and "trendy" - Prioritizing immediate gratification over long-term financial health This behavior often stems from subconscious influences, cleverly exploited by marketing strategies that fuel our desire for the latest and greatest. ##TheProducerPerspective The top 1% of wealth holders often share a common trait: they're producers rather than consumers. Consider this: - A family earning ₹10 lakh annually might spend ₹6 lakh (60%) on living expenses. - In contrast, a household with a ₹1 crore income might allocate only ₹20 lakh (20%) to expenses. This stark difference in consumption patterns allows the latter to reinvest a significant portion of their income, fostering wealth accumulation and financial growth. #BreakingTheCycle To shift from a consumer to a producer mindset: 1. Evaluate your needs vs. wants 2. Invest in your future rather than temporary satisfactions 3. Be mindful of subconscious spending triggers By adopting a producer's perspective, we can break free from the cycle of needless consumption and pave the way for a more secure financial future. What steps are you taking to cultivate a producer mindset in your financial journey? #PersonalFinance #FinancialLiteracy #WealthBuilding #ConsumerBehavior #PersonalFinance #FinancialLiteracy #WealthBuilding #ConsumerBehavior #MoneyMindset #icicibank #axisbank #icicimutualfund #hdfcmutualfund #investmentspecialists #privatebanking #kotakbank #kotakmutualfund #sbimutualfund #sbibank #utimutualfund #pune #mumbai #cfa #cfp #wealthmanagement #delhi #FinancialFreedom #InvestingTips #SaveAndInvest #FinancialPlanning #WealthCreation #MoneyManagement #FinancialIndependence #SmartMoney #FinancialWellness #EconomicGrowth #FinancialEducation #BudgetingTips #InvestmentStrategy #FinancialSuccess #MoneyMatters #Disclaimer: This post is for informational purposes only and does not constitute financial advice. Always consult with a qualified financial professional before making significant financial decisions.

Hey Gen Z millennial Stop YOLO-ing and Start Saving "YOLO - You only live once" Are you tired of hearing “save for the future” when you’re just trying to enjoy the present? Here’s why it might actually be worth a shot. 1.Instant Gratification/Pleasure Isn't Always Gratifying We get it, life is short. But those impulse buys? They add up. Start thinking of your savings as a ‘fun fund’ for future adventures instead of just a boring safety net. 2. The 50/30/20 Rule: A Simple Plan for the Non-Planners Spend 50% on needs, 30% on wants, and save 20%. It's not about skipping your latte; it's about balance. 3.Investing: Not Just Old School trends Your money can grow while you Eat/Sleep/Drink/Watch your favorite shows. Consider SIPs or mutual funds. You don’t need to be a finance guru just start small. 4.Emergency Fund: Your Financial Life Jacket Life’s unpredictable. Set aside a bit each month and you’ll be ready for whatever curveballs come your way. 5.Debt : The Frenemy concept You Need to Understand Debt is like Friend & Enemy to you . When it's start you will feel like good Friend but slowly slowly it's kill your finances . Credit cards and loans can be helpful, but don’t let them trap you. Pay off high interest debt ASAP. No matter how much appraisals & promotion you are getting if personal finances are not proper you will always in need of money Remember, future you will thank you for starting today. Saving doesn’t mean you stop living , it means you live smarter. . . . . . Square Yards #success #excellence #Inspiring #Hardwork #employees #Inspiration #growth #success #leadership #business #sales #strategy #marketing #hiring #network #property #housing #channel #partner #entrepreneur DMart - Avenue Supermarts Ltd The Coca-Cola Company Blinkit 500 Global 500 Startups Blume Ventures LinkedIn News India LinkedIn Bajaj Finserv Jio Financial Services YES BANK HDFC Bank SBI Securities ICICI Bank Goldman Sachs JPMorganChase Morgan Stanley Axis Bank Muthoot Fincorp Ltd. Tata Consultancy Services

Celebrating 23 years of HDFC Children's Gift Fund. An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier). This Fund is meant for building a corpus for your children's future with a lock in period of at least 5 years or till the child attains the age of majority. 65-80% of the total assets of the Scheme will be invested in equities and equity related instruments and the balance will be invested in debt and money market instruments. The scheme aims to generate returns over the long term and aims to maintain risk under control. Personal Insurance Accident Cover under HDFC Children's Gift Fund has been discontinued with immediate effect. Please refer to the addendum for more information. Suggested For 5 Years and above Inception Date 02/03/2001 Minimum SIP Rs 100.00 Lock in period 5Yrs. Exit Load NIL Scheme Returns Performance 1 Year (%) 31.97% 3 Years 22.03% 5 Years 18.24% 10 Years 17.27% Since Inception 16.66% Value of Investment of Rs 10,000 in Scheme (Rs.) 1 Year 13,197.17, 3 Years 18,189.91, 5 Years 23,118.17, 10 Years 49,224.86 Since Inception 55,210.02 This product is suitable for investors who are seeking~ • capital appreciation over long term • investment in equity and equity related instruments as well as debt and money market instruments WhatsApp, 📞 9845211825, inbox here for hassle-free online investing in Equity, Mutual Fund and Financial Instrument. ICICI Direct (Do IT Yourself) Account opening link https://lnkd.in/gTZq6H3i Relationship Manager RM Code- PRAE1301 Prajval Madhav Uchil Authorised Person. ICICI Direct NSE/BSE. Mutual Fund Distributor. ICICI Direct Buisness Partner. #PrajvalMFD #Mangalore #Udupi #Manipal #Kasaragod #Karnataka #India #Investing #Wealth #Money #Growth #Mutualfunds #Equity #Debtfunds #Bonds #PersonalFinance #MutualFundsSahiHai #SochaSamjhaRisk #deshkarenivesh #InformedInvesting #2024goals *check the comments section for added info

🎁 Gift for Raksha Bandhan? 💵 Choose financial security! 💃 Choose financial prosperity! This message is not just for the brothers... But to remind that, 🔥 WE sisters must proactively plan for our ‘Financial Su- Raksha’ (Financial Protection) ☂ Instead of a designer bags, watches, jewelry, clothes, smartphones or even cash… 🔥 Turn the gift into a contribution towards a financial worry-free future ... We sisters can ensure our own ‘Financial Su- Raksha’ by: 🎆 Using the benefits of starting investments early, 🎆 Using the power of compounding 🎆 Building a portfolio with the right mix of inflation beating investment instruments. 🎆 Avoiding the risk of investing in unregulated instruments. Save your gift money, sisters towards: 🎆 Building an emergency fund (a corpus of 6-12 months of monthly expenses) 🎆 Planning for retirement (a corpus of 25X of annual expenses) Insuring valuables like home, car, etc. 🎆 Taking an adequate health cover for self/family 🎆 Insuring life (term cover of 20X of annual income) We sisters likely know about investment instruments via the newspaper, social media etc already ✨ Equity mutual funds help beat inflation over the long term (mutual funds are a relatively safer way to enter equity markets and participate in India’s growth story) ✨ Gold mutual funds are a hassle-free way of investing in gold. Known as the asset of the last resort, gold is a hedge for any portfolio. Gold mutual funds are immune to negatives of physical gold like risk of theft, locker charges, melting charges, dubious purity etc. Plus, they are treated like equity mutual funds for long term capital gains tax (if held for 2 years) ✨ Fixed deposits could be a part of the portfolio depending on comfort level with equities (conservative and may not beat inflation) ✨ Direct stock equity is best left for ones highly competent in the same. ✨ 🎆 Financial Su-raksha puts you on the fast track to Financial Freedom!! 💃 🎉   #personalfinance #womenindia #womenempowerment #financialindepedence #financialfreedom

Hi, Happy to be invited to contribute in the AgeTech panel discussion at the #40After40 event at Pragati Maidan. Check out in comments how Simpli5 is playing a key role in simplifying digital which can play a key role in improving quality of life for seniors by reducing digital dependency. #seniors #eldercare #zindagikosimpli5karo

Empowering Bharat - Wealth Creation Partners of Not Only the Metroites but All of Bharat, Present in 117 Cities Across India At Bajaj Capital, we take immense pride in being your dedicated partners in wealth creation and preservation. In today’s fast-paced world, securing your financial future is more crucial than ever. Here are some compelling reasons why investing and insuring with us can make a significant difference in your financial journey: 1. Did You Know? Over the past decade, the average return on equity investments in Bharat has been around 15% annually. This outperforms many other forms of investment, showcasing the power of the stock market in wealth creation. 2. Insurance as a Safety Net: Life insurance penetration in Bharat is around 3.2% of GDP, which is relatively low compared to global standards. This indicates a tremendous opportunity for individuals to secure their future and protect their loved ones with the right insurance plans. 3. Mutual Funds Growth: The Indian mutual fund industry has seen impressive growth, with assets under management (AUM) rising from ₹5.87 trillion in 2010 to ₹37.75 trillion in 2023. This reflects a growing trust in mutual funds as a robust vehicle for wealth accumulation. 4. Financial Literacy: Increasing financial literacy can significantly boost investment and insurance adoption. A more informed investor base leads to better financial decisions, higher returns, and enhanced economic stability. 5. Retirement Planning: With only about 12% of Bharat’s working population covered by any form of formal pension scheme, the need for proactive retirement planning is critical. At Bajaj Capital, we offer tailored retirement solutions to ensure you enjoy your golden years without financial worries. Investing and insuring are not just financial activities; they are essential steps towards achieving financial freedom and security. Let us be your trusted advisors on this journey. Together, we can build a financially strong and secure nation. Join us in our mission to empower every individual in Bharat with the knowledge and tools to create and preserve wealth. Let’s make informed financial decisions and secure a prosperous future for ourselves and our loved ones. Start your journey today: bajajcapital.com Bajaj Capital Ltd BajajCapital Insurance Broking Ltd. Aabhinna Suresh Khare #wealthcreation #wealthpreservation #financialfreedom #investing #insurance #bajajcapital #sanjivbajaj #sanjivbajajbajajcapital #bajajcapitalinsurance #sanjivbajajstories #management #leadership

Firstly quick update on Anirban. Thanks to each one of you, were able to generate enough funds to get him admitted and his Transplant procedure has started at Jaslok Hospital. He and his mother have conveyed their heartfelt gratitude to everyone. Do keep the prayers. Today's post is about how I introduced investing to stocks to my son Manas in 2020 when we were spending weeks in hospital during his treatment. So here is the first post to simplify this. The below image is of the boy if you can guess, it is the Legend Warren Buffett and the other is of Coco Cola company. As a kid Warren observed that many across all ages were buying Coke. Same was the case with Chewing Gum, hence his first business as a kid was buy & sell coke & gum. Later he became the biggest investor in Coke and his logic was simple common sense that if all are buying then there is something good about the company. I applied the same logic and asked Manas to answer the following questions 1) What Brand names comes easily to his mind when he looks around? 2) What products does he think is of most use ? 3) What services he thinks is required ? 4) What has been his personal experience ? His responses were Pepsi, Nike, Parle, Colgate, Apple, Toyota,Sunfeast etc for Brands. The products were consumer goods, food, vehicles, consumables, electronics etc. On services it took some time but as he himself was experiencing he said Hospitals, Insurance, Bank Loans etc. His own personal experience was being Treated in NH Hospital, the medicines, the insurance clearance, the health equipments & accessories, the healthy food etc he was consuming. I then asked him which of these have been there for quite some time say at least 10 years and how does he rate the quality / people / the experience he was dealing. From this came the following investments stocks Pharma : Dr Reddy Labs Hospital :  Narayana Hrudayalaya Ltd (Where he was treated) Health : Biocon as he saw Kiran Mazumdar Shaw doing rounds of the Hospital Food : ITC Ltd as Sunfeast Brand Banks : ICICI & HDFC as Insurance & Bank that was most known & used Consumer Goods: Hindustan Unilever (As most brands known) Most of these if you check have nearly doubled in last 4 years. So the first step and key learning on investing in stocks are 1) Observe Around you and you will know what sells what doesn't 2) Use your common sense and don't get carried away by new startup, business etc. If you don't understand the business then don't invest. 3) Don't get greedy if you get decent returns be happy 4) Have Patience, results don't come overnight and don't keep checking the portfolio daily 5) Last but not least, Ethical management make profitable organisations and my simple thumb rule is if the companies have been around for decades and profitable they will be around in future as well. You can name a stock in the comment applying the above approach. This is for those who don't know stock investments. Happy Investing

💡 Building Confidence in Investing: Start with the Basics! 💡 Investing in shares is exciting, but you’ll feel more confident if you prepare properly. Here’s how to set yourself up for success: 1️⃣ Build an Emergency Fund: Before investing, make sure you have an emergency fund. This fund should cover 3-12 months of your expenses, depending on your situation. If you have family or debts, aim for the higher end. If you have fewer responsibilities, a smaller fund might be enough. Check and adjust your fund as your life changes, like after getting married or taking on new expenses. 2️⃣ Get Health Insurance: Having health insurance is important. It protects you from unexpected medical costs so you can invest without worrying about health expenses. Choose a plan that fits your needs and budget. I recommend looking into HDFC Family Optima Secure or Care Supreme. If you can afford it, HDFC might be best; if you want lower premiums and don’t mind more paperwork, try Care Supreme. 3️⃣ Get Term Insurance: Term insurance makes sure your loved ones are financially secure if something happens to you. It might be a tough topic, but it’s important if you have people depending on you. HDFC Life is a good option, but choose the coverage amount that works for you. With these basics in place, you’ll have a solid foundation for investing. You can focus on your investment strategy with peace of mind, knowing you’re prepared for unexpected events. Investing is a long-term game, so stick with it and let time work in your favor. Whether you invest in shares or mutual funds (especially index funds), staying committed usually leads to good results. Ready to boost your financial confidence? Start with these steps and watch your investment journey thrive! 🚀📈 #Investing #FinancialSecurity #EmergencyFund #HealthInsurance #TermInsurance #InvestmentConfidence