Mr. Smart is a Salaried, intelligent fellow. He wants to channelize his monthly savings in the right direction. So he analyzed various investment options.
After analyzing all the aspects of Stock Market, Fix Deposits, debt Fund, Market linked Insurance Policies and Real Estate. He found out best of the best INVESTMENT SOLUTION which he is not only ENJOYING with his friends and family but it has also APPRECIATED BY 80% in 3 years.
Mr. Smart now wants to reveal his success story to his fellow brothers
Dear I found following drawbacks
In share investment
After analyzing all the aspects of Stock Market, Fix Deposits, debt Fund, Market linked Insurance Policies and Real Estate. He found out best of the best INVESTMENT SOLUTION which he is not only ENJOYING with his friends and family but it has also APPRECIATED BY 80% in 3 years.
Mr. Smart now wants to reveal his success story to his fellow brothers
Dear I found following drawbacks
In share investment
- Risk oriented.
- Fluctuating income.
- You have to spare Time for studying market.Hence Less time for family and friends.
- Daily fluctuation in market indirectly controls your daily mood.
- You don’t get loan for investing in shares.
- Crawling rate of interest.
- Long tenure investment.
- Very less rate of interest.
- Not inflation proof.
- Interest income is subject to income tax.
- Investment is something that we save up to use while we are alive
- Insurance is something we save up for our family after us.
- Long tenure
- A fat portion of the premium goes to an agent as a commission
- The Insurance Company generally deducts at least 15 – 20% as administrative charges in initial three years and at least 5% as mortality charges throughout the policy period.
- As Insurance Company has to invest only in debt instruments returns on investments cannot exceed 8 or 9% per annum.
