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EMBRACE TOTAL WELL-BEING: Elevate your Future with a 360° Solution for Wealth, Health, and Protection!

Introducing TATA AIA Life Insurance Param Rakshak III - Elevate Your Financial Journey with a Comprehensive Plan Offering Life Cover, Market-Linked Returns, and the Benefits of Tata AIA Vitality Wellness Program.

Param Rakshak III solution comprises Tata AIA Life Insurance Smart Sampoorna Raksha, A Unitlinked, Non-participating, Individual Life Insurance Plan for Savings and Protection & Tata AIA Vitality Protect Plus, A Non-linked, Nonparticipating, Individual Health Rider.

(In this policy, the investment risk in the investment portfolio is borne by the policyholder.)

INTRODUCING: Tata AIA Life insurance-Param Rakshak III Solution

Life Insurance

TOTAL COVERAGE UNVEILED: 360° HEALTH, WEALTH & PROTECTION

1. Market Linked Returns for Wealth Creation: Choose your investment funds as per your Risk Appetite & Comfort

Past Performance of fund for reference:

2. Life Insurance: The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event for a period of up to 40 years.

3. Term Booster Rider: For extra protection in case of a terminal illness.

4. Accidental Death Rider:

5. Accidental Permanent Disability:

6. Return of Rider Premium: If not claimed, all riders' premium back at maturity in case of terminal illness.

7. No Cost Tata AIA Vitality membership: Free health Assessments + Annual Health Checkup, Upfront discounts on rider premiums up to 30%

ELIGIBILITY CRITERIA

General Insurance

Mutual Funds

WHAT IS A FOCUSED FUND?

Focused funds are a specific type of mutual fund investment that concentrates on a smaller variety of stocks. Unlike diversified funds, focused funds hold positions in around 20-30 companies or less, allowing for a more concentrated portfolio. They are often referred to as "best idea funds" because they carefully select a limited number of companies to invest in, aiming to deliver maximum returns by capitalizing on high-performing assets.

The primary goal of focused funds is to generate superior returns by focusing on a select few stocks with strong growth potential. This approach allows fund managers to dedicate more time and resources to in-depth analysis and active management of the chosen companies. However, it's important to note that focused funds carry a higher level of risk due to the reliance on a limited number of stocks. Therefore, investors considering these funds should carefully assess their risk tolerance and thoroughly research the fund's investment strategy before making any investment decisions.

WHAT IS THE PURPOSE OF FOCUSED FUNDS?

The purpose of focused funds is to allocate investments across a limited number of carefully researched equity and debt funds. Unlike traditional mutual funds that offer diversification, focused funds concentrate their holdings on a select few securities. While this approach lacks the advantages of broad diversification, it leverages the benefits of thorough stock selection through research. Returns from focused funds are typically more volatile, as they carry a higher level of risk compared to mutual funds that invest in a larger number of stocks. However, they also have the potential to deliver higher returns. These funds are sometimes referred to as "concentrated funds" or "under-diversified funds" due to their focused nature. By concentrating their investments, focused funds aim to maximize returns by carefully selecting stocks with strong growth potential. It is important for investors to understand the increased risk associated with these funds and conduct proper research before investing.

FOCUSED FUNDS OFFER SEVERAL SIGNIFICANT ADVANTAGES:

• Firstly, they provide better-researched investments as fund managers meticulously analyze companies before selecting those with the potential to deliver maximum returns. This thorough assessment greatly benefits investors by ensuring informed investment decisions.

• Secondly, focused funds have the potential to generate higher returns, despite being considered high-risk investments. By concentrating investments in a select group of stocks, these funds allow investors to maximize their capital gains more effectively, potentially outperforming broader market indices.

• Additionally, focused funds address the limitations of traditional mutual funds. Unlike diversified funds that invest across various companies and sectors, focused funds avoid the risk of underperforming stocks by selectively investing in stocks of carefully chosen companies. This focused approach allows investors to mitigate the limitations associated with broader mutual funds and concentrate their investments in companies with higher growth potential.

WHO SHOULD INVEST?

Focused equity funds are typically suitable for experienced investors and individuals with a high-risk appetite. Due to their volatility, investors seeking safer investment options should exercise caution and refrain from investing in these funds.

However, despite the associated risks, focused funds are anticipated to gain increased popularity in the future. With the potential to deliver higher returns compared to other mutual funds, they offer investors an opportunity to maximize their investment gains Furthermore, the focused nature of these funds, with investments limited to a select number of carefully chosen securities, enhances their effectiveness in generating high returns for investors. This targeted approach allows for a more concentrated investment strategy, potentially leading to superior performance.

FOLLOWING ARE SOME OF THE FOCUSED FUNDS:

1. HDFC Focused 30 Fund

2. ICICI Prudential Focused Equity Fund

3. 360 ONE (Formerly IIFL) Focused Equity Fund

Disclaimer: Bajaj Capital Limited (‘BCL’) has taken due care and caution in presenting the factually correct data contained herein above. While BCL has made every effort to ensure that the information/data being provided is accurate. BCL does not guarantee the accuracy, adequacy or completeness of any data/information in the publication, and the same is meant for the use of the recipient and not for circulation. Readers are advised to satisfy themselves with the merits and details of each investment scheme before taking any investment decision. BCL shall not be held liable for any consequences, legal or otherwise, arising out of the use of any such information/ data and further states that it has no financial liability whatsoever to the recipient/ readers of this publication. Neither BCL nor any of its directors/ employees/ representatives accept any liability for any direct or consequential loss arising from the use of data/ information contained in the publication or any information/ data generated from the publication. Nothing contained in this publication shall constitute or be deemed to constitute a recommendation or an invitation, or a solicitation for any product or service. Any dispute arising in future shall be subject to the Court(S) at Delhi. Views given in the articles are the personal views of the contributors and not that of the company. Readers are advised to go through the respective product brochure/ offer documents before making any investment decisions.

Disclaimer: The rates of interest are applicable as on the data mentioned herein above. The rate may be revised at the sole discretion of the respective companies inviting the Fixed Deposits without further notice. Printed by, Rajiv Wadehra, Published By, Raji Wadehra on behalf of Bajaj Capital Investment Centre Limited, Bajaj House, 97 Nehru Place, New Delhi - 110019, and Printed at Sundeep press C-105/2, Naraina, Industrial Area Phase -, New Delhi - 110028, and Published at Bajaj House,97 Nehru Place, New Delhi - 110019, Editor-Rajiv Wadehra (CIN: U0000DL1988PLC039417))