Smart financial Life

  

Smart financial life

Is all About smart Decisions On right time.

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Brand is Business

When it comes to manage our finances then.

What's best most available options.

1.Real estate and Property investment.

2.Investment in assets which can produce good returns.

3.Future technology investment.

4.Precious metals:Gold/silver.

5.stock,Bonds,Mutual funds.

6.Investing in startups.

And many more opportunities like this..

But 1Thing which is most important than above all theses.

             Rajesh kumar

That is What?

Of course it is insurance.

Now you would be thinking why Insurance?

Just Remember every money earning opportunity carry risk with Themselves.

And  when we talk about insurance.

Insurance itself means protection of Asset/wealth, individual & family From unexpected events.

"Insurance is a form of protection From financial losses."In any Unexpected event.

Along with your and your Asset/Money protection it also Protect your loved once.

Insurance along with protecting your Wealth it also enhance your wealth With adequate proportion.

Lot of Gyani people will meet you in Your journey of investment in Insurance,and will tell you lot of Miscommunicationable thing.

Even Now days Insurance along with Protection  .. also offering good Investment opportunities too.

For instance you take any ULIP Insurance plan( Investment+ Insurance).

Means to say beyond Insurance,the Insurance company also offering you..Good amount of return in awez of  your investment.

What Modern Gyani pepoles Proclaim.?

The return which you are getting From insurance companies which is Less over all....(In such a 10-15 years of time interval).

For Buying any Insurance policy or investment advisory like Equity or Mutual fund Please.

Click on following link Below.

I would like to affirm you...

1.You are investing your money in parts...not wholesome at a time ..

2.There is no downside risk in insurance companies plans (Except few..where reward could be very higher in awez of risk).

3.Insurance/Banking companies of course earning plenty of money from your investment...

But passing on only small percentage to you...

4.The fact is,It is the business of Company for which they are known As to manage risk/Reward ratio.

5.For managing such type of Financial transaction requires high level of expertise.

6.By being professional in these segments these entities have those sort manpower who has high level of expertise 

7.Just ask to your self ? Do you have That sort of expertise to manage risk Without being fail &Without being Fearful for such a downsize lossess of Equity market/Economy swing?.

8.Just remember companies not just Earn because of your individual Money.

They earn bcz of pooling & Diversification strategy of Massess Investment.

Which help them to take big risk to enhance their wealth when opportunity arises.

As well as help them to cut sort losssess in time of downshrink of economy.

Just Remember:

1. Insurance organisation,s prime moto is securing you and your loved once.

In time of unexpected events.

Which they are doing by insuring you from unexpected events.

2.They are helping you to be financial tention free...for your future life bcz of your current decision.

3.they are offering you good return if not best.

4.I am not saying you invest your whole saving in insurance...

But atleast a fair percentage amount invest in insurance.

Rest you can invest in other opportunities which can offer you Extremely good returns.

Feeling Bored about learning Insurance fundamentals.

Relax for a while and review your English communication & knowledge.(If required).

Type of Insurance:

There are various types of insurance plans available in market now days.

Few important plans are illustrated below.

Life insurance segments plan:

1.Term insurance plans.

2.Endowment plans.

3.saving plans.

4.ULIP plans.

5.Child plan.

6.Whole life plan.

Non life insurance segments plan:

1.Health insurance plans.

2.Vehicle/Motor insurance plans.

3.Crop insurance

4.Marine insurance etc...are names few.

Generally insurance covers two types of Risk:

1.Primary risk.

2.Secondary risk.

Primary risk burden consist lossess that directly suffered by households,as a pure risk cover.

Like factory gets destroyed by fire.

While secondary risk cover consists of lossess...that merely from the fact someone exposed to such a lossess.

Even though said event will not occour.

But still the cost & strain has to Bear...bcz someone is exposed to such a Risk.

Insurance companies play vital role infact in social service schemes sponsered by GOI.

1.RKBY:Rastriya krishi Bima yojna 

2.RSBY:Rastriya Suraksha Bima yojna 

3.PMJBY:PM jeevan jyoti Bima yojna.

4.PMSBY:PM Suraksha Bima yogna.

Insurance as Financial planning.

1.Childhood stage.

2.Young unmarried stage.

3.Young Married stage.

4.Married with young children stage.

5.Married with old children stage.

6.Post family/Pre retirement stage.

7.Retirement  stage.

Insurance only can get purchase as well as get utilitiesed/benifited at any above stages in life.

Documentation required for purchase on Insurance:

1. Prospectus.

2.Proposal form.3.Agents report.

4Medical examiner,s report 

5.Moral hazard Report.

6.Age proof.

7.AML(Anti money laundering declaration.

8.KYC (Know your customer proof).

1.Photograph 2.Age proof.

3.Proof of address: Driving licence,passport,aadhar,telephone bill,bank passbook etc.

If policy has been granted to you ,after successful underwriting & premium payment.

During freelook period generally 15 days( Since date of Documents recived buyer have option To return policy in case of any Misconduct/misunderstanding...or Anything.

1.FPR(First premium receipt).:It is Evidence that policy contract has been Begun.

2.Policy documents is the most Important documents associated with Subject matter of insurance.

Top health insurance providers:-

ICICI Lombard is one of the pioneer companies in Health & motor insurance segment.

ICICI Lombard is flagship company of ICICI Group ..which has vast presence in Banking & Financial segment Globally.

2.Manipal signa is Joint venture between India based Manipal group

(A renowned name in Healthcare & education).

& US based Cigna group.

One of world,s top company in their domain. 

Manipal Cigna,s few product,s are leading the market.

It has fairly good settlement ratio close to 90%.

International partnership surely giving it to fairly tackle any competition offering.

Major life insurance providers:-

SBI Life In mid of all 24 life insurance companies authrise by Insurance,s governing body IRDA.

 SBI life insurance in one of most trusted and reliable name in industry and having fair share in life insurance market.

Brand name SBI itself put it in trusted league of customers,even without any extra effort.

 

Future Generali Insurance

Future Generali In Mid of Of all big names in industry of insurance.

Future generali left no stone untouched to make it one of well-known and customer friendly name.

Because of it,s product innovation & value added product offering.

Life insurance Corporation 

LIC has biggest chunk of indian Insurance market in it,s basket.
Close to 30% market share LIC have.It,s  Major Promotor & stake holder is Govt of India Along with FII,s,Dii,s Independent institutions&retail Investors have plenty of investment in This Maharatna organisation.

LIC is only indian insurer which comes Under Top 10 insurance companies of The world.

ICICI Prudential

ICICI Group by being well-known and Trusted name in Banking,financial,& insurance industry.

ICICI is one of biggest private financial

Group in this domain.

ICICI prudential represent it,s life insurance product division.

it also offer few added products beyond life insurance.

Major General Insurance companies.

Reliance General Insurance is one of leading Brand of General insurance in Indian insurance ecosystem.

It,s have collaboration with Nippon life a world renowned financer & insurer.

Which gives it a world class wing of insurance flies.

SBI General Insurance 

General insurance wing of SBI group is known as SBI general insurance.

It,s vehicle insurance provider.

It has good mix up products in it,s gamut to serve diversified customer range 

For Enquiring & Buying SBI general insurance products:

HDFC Ergo 

HDFC ergo is non life insurance Company of HDFC group.

In it,s portfolio it have health & general Insurance.

HDFC caters it,s General Insurance Customers Through flagship brand of HDFC ergo.

HDFC has great combination of Products to fullfill all sort of customer,s Need.

Bajaj Allianz 

Bajaj group has become new lifeline for Indian insurance & finance industry.

Through it,s vast & diversified customer base and innovative products offering the way Bajaj has touched indian middle class nerve.

And win trust of customers in last a decade..no one else has captured like this.

Thank you for your visit.

Rajesh Kumar (Founder)

 Englishwell India

https://englishwellindia.blogspot.com

&

"Brand is business"(https://brandisbusinessmart.blogspot.com).

Rajesh Kumar

+91-9455414018/ 9335530407.

rajesh24feb@yahoo.com.

englishwell.india@gmail.com

brandisbusiness.co.in@gmail.com

With best wishes.

Equity and Financial Market.

How to Make sure shot  profit from Our Investment in stock Market(BSE and NSE).

 

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Brand is BusinessEither for Investing or Trading in stock Market,Prior than Anything.                Demat and Trading Accounts                    Needed prior than tradingWith Any such a entitie who have legal Rights to trade in BSE& NSE listed Stocks.Few entities also provide facilities to Trade in Mutual Fund & Commodities Through their platform.In addition of above all few broking firm also offering directly to trade and invest in International entities/stocks through their platform.

Major Demat& Trading Services provider of Indian Market.

ICICI direct 

Along with ICICI Direct Few other Major companies which offer trading and investment facilities through their platforms.

Which are listed below.

Open Account with Upstox..by clicking on following Upstox Image.

By My Upstox a/c link.

And get bundles of profit.

Upstox

Upstox is Very well known Equity Broking house as for as Indian market is Concerned.

It is one of Fastest emerging broking houses .

It has achieved multiple milestone in Customer services & sales.

And Still growing Rapidly.

Kotak securities.

Kotak Securities is Security and Investment wing of Kotak bank.

Founder by Uday kotak 4 decades ago.

It has established very strong footprint in Equity market .

And offer multiple customer friendly services for customers.

.Hdfc equity.

HDFC Securities is Security and Investment wing of HDFC bank.

It has established very strong footprint in Equity market .

It,s excelling it,s services & product horizon expontially.

And offer multiple customer friendly services for customers

Angel broking.

Angel broking is in mid of few broking houses ...

Which have spended almost 3-4 decades in stock market.

Competitive product & services making him a customer friendly and we'll established name in Security market.

Zerodha

Zerpdha has remained fastest growing broking houses in Security market by Offering Demat & Trading Services to it,s customer.

Founded by Nitin Kamath.

It,s innovative & strategically offered product and services remained in top league in it,s Domain.

Prediction & Exception.

Indian stock market will continue it,s downfall and Sensex will touch 65000 mark?

Does Nifty will drop down to 18000 ?

Does it,s a starting of crash in stock market or it,s just a temporary slippage in BSE &NSE?

Or 

Stock market,s sensex will touch 85000 Marks? What you think?

All these questions are galvanizing your mind?

The soultion is having Mastery of Following Investment parameters.

Do you want to know

Equity market stock selection criteria?

Do you want to know

Equity market stock selection criteria?

Factors which Indicate Major Market movement of stock.

1.Beta.

Are you a Intraday trader or Short term Or Swing trader.

Infact if you are a Short or long term Investor.

Then also this stock market critical Major which is known as Beta has it,s own Significance.

Beta tells us a particular stocks Movement in comparison to Index like Nifty 50,Nifty Bank as well as sensex,s Movement.

When Major Market either bull market swing or Bear Market swing take place

..In how much a stock moves(in percentage).

Which indicate you need to carryout to have a long position to book heavy profit.

Or you should cut your position short to defend yourself from heavey lossess.

While investing in a stock 

Following are the Major parameter ,in deciding a stock selection.

1.P/E Ratio.

2.EPS.

3.Book value.

4.Dividend yield.

5.ROE.

6.ROCE.

7.Net profit.

8.Overvalued/Under valuation of a stock.

9.PAT.

10.EBITDA.

Fundamental stock analysis,s major parameters are only these.

I am still repeating I am saying Investor.

I have not said trader.

Trader in stock market required much more Skill set .

To trade in stock market.

For Trading in stock market (Now I am Talking about pure trading,not Investing).

Major type of stock trading is.

1.Intraday trading.

2.Short term trading(Duration Max 30 days).

IN Intraday trading we should trade(Buy/sale stock in mid of Market opening time 9.15 AM To Closing time 3.30 PM( approx).

Both buying and selling need to finish in mid of these time.

If market is bull(Market is growing)...we should buy and Sell after attaining certain percentage of profit.

If market is in Bearish zone(When market is sliding down) we should sell first.(It,s called short selling).

And buy again before 3.30 Pm...at lower price than at what price we have sold.

The difference b/w buy and sale is our profit.

Trading is actually work of experts,it required much knowledge than investing as I have said earlier 

For Intraday trading  Name of the main weapon for knowing where & how to buy and sale is "Analysis".

Generally two types of analysis data trader applies in their trading to book profit.

1.Fundamental analysis.

2.Technical analysis.

But majorly for Intraday trading Technical analysis used at wider scale.

Main Ingredients of a stock,s technical analysis.

1.Support.

2.Resistance.

3.Chart.

4.Candelstics.

5.Volume.

6.Trend(Uptrend/Downtrend).

7.Price Movement Price/Action 

Above are few factors,which need to take under consideration while short term/Intraday trading.

Various type of moving Averages,SMA,EMA...etc take under Consideration while either taking Positions or cutting short positions to Book profit.

For A Successful Intraday trading/Session following rules if you applied you will 100% Become successful trader .

1.Do a planned trading:

Intraday trading is always a Game of Greed and confusion.

Few times just luck by chance you Might get succeed,in booking profit,just luckily as I have said luck by chance Not bcz of your trading skill set and Knowledge.

As we know luck work hardly few Times,..so over all you will remain in l

Loss.

So for consistent profitable trade you Need to implement some standard Procedure/rule.

Like when to buy,after how many p

percent profit/loss need to sale ...and Rest Support/ resistance trade and Many More fundamentals of trading on Technical side.

2.Always trade with Money which you have perceived as A risk taking money.

It,s universal fact stock trading is Always A risky affair, irrespective of  Your knowledge& Control.

3.Follow strict stop loss.

(personally when I start trading,I never Follow it,infact as of now I don't use it ..But It,s importance is more than any Other thing in stock trading.

Why I don't use it,I will discuss with Some other time.

4.Proper entry and exit strategies need To be pre defined for Trade.

(Gap up/Gap down entry, Or where to Enter in stock(Means at what price)

And where to exit.

It should be prpoely strategies.

5.Selection of right stock.- Highly voltatile stocks are known as ideal for Intraday trading.

But the fact also need to have under Consideration that Managing Swift of Highly volatile stock is also very Difficult.

So choose volatile stock as per your risk Appetite.

Few volatile stocks are like.

Zeel,I bull housing Finance,Bandhan,Axis,ICICI,Hindalco,ETc.

6.Keep business and emotions aside During trade.

Having your emotion under your  Control is very tought in Trading.

Like if suppose you are trading in loss,You will trade more to equalise Your loss but in most of time it will happen opposite of that.

You will do more loss.

Having emotions under control is the Name of the game in Intraday trading.

7.Keep continuous update on news;

Keep continuous update on Current News on trading hours.

Which will help to book heavy profit or Cut sort heavyloss during trade.

8.Have a proper record of success and Failure.

( Learn From your failure).

I learnt from my mistakes .

And it is well known fact a person learn In trading only from their Mistake...much more than anything Else.

If you have good money ,so just for earning Much more money 

You don't need to know any thing else.

All these are sufficient.

Make plenty of money.

Good Luck.

Regards 

Rajesh kumar

9455414018/ 9335530407

rajesh24feb@yahoo.com

englishwell.india@gmail.com