INVESTMENT GUIDELINES

FOR
MR. GOPINATH

B.VISHWANATH
BAJAJ CAPITAL
 CONTENTS

● FINACIAL GOALS OF MR. GOPINATH

● CHILDRENS INVESTMENT FOR FUTURE

EXPENDITURE.

● PENSION PLAN / MONTHLY INCOME PLAN FOR

RETIREMENT PLANNING.

● DIFFERENCE BETWEEN YEARLY INVESTMENT AND

SIP

● RISK COVERAGE AND HEALTH COVERAGE

● ACHEIVING FINANCIAL GOALS THROUGH

INVESTING IN PREFERRED INVESTMENT​.
 CHILDRENS SHORT/LONG TERM SAVINGS

1. For Daughter​ ( age 19 ) / ​For son​ ( age 17)

2. Tata aig maha life gold child investment plan

3. Monthly mode is preferable in case of children's plan in this investment category

4. Asset allocation of your investment is 100% in liquid funds ( investing in government

bonds , treasuries, and securities

5. Only investment with 3 generation beneficiary purposes

---tax benefit to the parents
---Guarantee income to the child
---Create a legacy for next generation

6. Guaranteed returns at 15% every year because of the safest asset allocation pattern

7. Monthly sip amount ​3000 @ 15%​ at the end of

● 5 years = ​ 2,70,000 (for short term)
● 10 years = ​ 8,40,000 ( for long term)

1. Risk coverage​ is available according to the investment value i.e. for example
Investment amount is 36000 risk coverage is for 10 times of the investment amount
i.e. 360,000.

2. In the case of uncertainty / maturity entire sum assured is paid to the nominee without
deduction of tax.

3. Invested amount after investment period will used to attain :

● Child future studies.

● Marriage.
● Asset creation.
● Investments
 PENSION PLAN FOR MR GOPINATH (AGE 48)

1. Met life monthly income​ / pension plan

2. Investment period 10 years / annual payment of investment is preferable in this

investment strategy.

3. Assured returns for the investments @ 13% per annum

4. For ​2,00,000 investment amount ​/ annum for receiving ​15000​ per month as pension
amount and Risk coverage is ​27,00,000

5. Guaranteed Monthly Income – Mr. Gopinath​ gets a guaranteed monthly income for
180 months after completion of premium payment term or on death whichever is earlier.

6. Maturity Benefit - ​Mr. .gopinath gets a lump sum at maturity which is a combination of
Reversionary bonus and the terminal bonus as declared by the company.

7. Waiver of future premium ​– In the event of death during premium paying term, future
investment amount are paid by the company.

8. Guaranteed monthly income for 15-20 years after the investment payment
I.e. investment started at the age of 48, investment period 10 years, Mr. Gopinath will
get monthly pension from 59 to 79.

9. Tax Benefit ​-Benefits u/s Section 80C & 10 (10D) available.

10. Investment Risk –​There is absolutely no investment risk for the customer since it is a
traditional product (investment strategy is 100% debt instruments) and the monthly
income and returns is guaranteed.
DIFFERENCE BETWEEN YEARLY INVESTMENTS
AND
SYSTEMATIC INVESTMENT PLAN

● For long term investments for children sip is preferable because your investment
amount will be invested in various funds by the company.

● It is easy to switch over to various funds options in a year when, we enter into sip
investment, in case of investment in yearly mode it is not possible..

● Investment amount will be less in case of yearly pay in pension plan, when
compared to sip for the fund allocation .

● So, for child long-term investment sip is preferable

● And in case of pension plan yearly mode payment is preferred.

 MEDICAL COVERAGE

1. VARIOUS COMPANIES PROVIDING MEDICAL COVERAGE/ MEDICLAIM

BASED UPON THE SCHEME CHOSEN BY YOU SIR:

● INDIVIDUAL COVERAGE
● ENTIRE FAMILY COVERAGE
● SEPERATELY FOR YOUR PARENTS

2. COVERAGE UPTO 5,00,000 AND PREMIUM PER YEAR

3. FOR 8000 PREMIUM PER YEAR ENTIRE FAMILY WILL BE BENFITED,

PROVIDED WITH FAMILY CARD.

4. PREMIUM PAID ONCE IN A YEAR.

5. ENTIRE FAMILY IS ELIGEBLE FOR COVERAGE OF MEDICAL CLAIM AND

COVERAGE 8000 FOR YEAR THIS INCLUDE THE 500000 IS COVERED OF
YOUR ENTIRE FAMIY:

● MR GOPINATH
● SPOUSE
● DAUGHTEER
● SON

THANK YOU SIR