Super Top Up policy : Optima Super

 Super Top Up policy :Optima Super 

Apollo Munich Health Insurance


What is a Super Top Policy? 

Super Top policy allows you to enhance your sum insured as per your need at a lower cost. Under Super Top Up Policies, claims will be paid   where the medical expenses exceed the deductible amount selected by you. 


Follow the basic Principles in Investment

The single party majority verdict in the recently held parliamentary election and forceful promises made by the Prime Minister to improve the economy has triggered bullish rally in the current share market. Once the economic policies of the new Government get implemented and investment cycles start kicking, the market may reach new heights.

Many retail investors have abandoned the equity market earlier. But it is right time to invest in equity now. The current situation provides an opportunity where the probability of market going up is high vis a vis the downside risk.

Online Term Insurance Policy from LIC

LIC’s e-Term is a regular premium “on-line term assurance policy” which provides financial protection to the insured’s family in case of his/her unfortunate demise. This plan will be available through on-line application process only and no intermediaries will be involved. It is much cheaper to off line plans.


Best Funds

If a fund is holding more than 65% of equity, it will be treated as Equity oriented fund.Here we have taken six categories of equity fund schemes.  

Large cap funds

In large cap fund, the fund manager invests more than 80% of asset in large cap companies.

Closing of Financial Year is two days away and you may like to view your Tax Credit (TDS) statement (Form 26 AS) on TRACES portal of Income Tax department to check your TDS and compare it with your tax liability.

Family Office

Outsourcing family’s financial management

Managing personal finance have become challenging due to lack of time,expertise and complexity of financial products. A family office is an exclusive outsourcing arrangement which deals with management of personal finance and wealth of high net worth individuals, business houses and their family. This relationship usually stretches beyond the lifetime of an individual, extending financial guidance to subsequent generation of the family. The family office is manned by trustworthy, competent and qualified professional(s). 

Women need Financial Planning

Traditionally women are better at managing family’s budget and are more concerned about children’s education and marriage. We find women groups take to streets when prices of vegetables and other essential items increase beyond tolerable levels. Nowadays increasing number of women are opting for career in regular jobs. It provides them opportunity for financial independence. It’s a high time for women to take control of their finances for the numerous reasons; 

 (1) Increasing divorce rates – India is witnessing a surge in divorce rates and therefore entrusting your spouse with financial matters can land you in a money crunch. It is prudent to keep a tab on your monthly investments and determine holdings in your name, so as to avoid financial complications later.

  • How much experience do you have?  

    Financial planning involves understanding of investing behaviour, risk profile etc and the more the experience of the Financial Planner, the better. Hence experience should be a major driver behind your decision.           

  • What are your Qualifications?    

    A suitable qualification such as Certified Financial Planner and SEBI Registered Investment Adviser are desirable which indicates the Planner is serious of   his/her profession.   

Trends of Real Estate prices in major cities

The buyers were expecting correction in prices over the last two quarters and reduction of home loan interest rates. In fact the inflation corrected in Dec 13 but RBI increased the repo rate by 25 basis points in Jan 14.The Banks have not increased the rate but some Banks e.g SBI have started offering lower rates for new borrowers.

Trend in prices (Residex)

The Residex published by NHB is almost flat over the last two quarters baring 2-3% increase in some cities e.g. Chennai and Lucknow. Prices have corrected by 3-5% in Delhi, Bhopal and Jaipur and remained flat in other cities.

Best Health Insurance Plans

Mint Money has published the mediclaim insurance ratings based on Pricing, Claims repudiation,Pre-existing exclusions,Co-pay,Disease waiting period, Disease wise capping, Sub limits on room rent and No claim bonus. Ratings have been categorised as A,B and C. We extracts  the A rated plans;

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