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Transcript of L - 4.pptx
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INVESTMENT ALTERNATIVES
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INVESTMENT AVENUE
A place where one can invest his surplus
Fixed or foatin return
Securit! versus non"securit! #or$
Invest$ent"acceptin orani%ation $iht havean o&liation or not
Neotia&le versus non"neotia&le
Ris' is the inherent part o# ever! avenue
Ma! &e in an orani%ed #or$ or unorani%ed#or$
Reulation
Mar'et"oriented versus others
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INVESTMENT AVENUES
Marketable fnancialassets* Money Market
Securities• T-bills and dated
securities•
Commercial papersand certifcate odeposit
• !e-posA" Capital Market
Securities
• E#uity s$ares• %reerences s$ares
Non-Marketablefnancial assets
• 'ank &eposit• %ost ()ce sain+s
account &eposit• %ost ()ce time &eposit• Mont$ly income sc$eme
o post o)ce• ,isan ikas patra• Insurance Sc$emes• Mutual und• Sc$emes o N'C• NSC
• Company deposits• E% sc$eme
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Mar'eta&le securities
Securit! #or$ o# invest$ent avenues are in the#or$ o# neotia&le instru$ent(
M(NE. MA!,ET SECU!ITIES
• Treasur! )ills
• *ated Securities o#
+overn$ent
• ,o$$ercial -apers
• ,erti.cate o# *eposit
CA%ITA/ MA!,ET SECU!ITIES
• E/uit! Shares
• -re#erence Shares
• *e&entures
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)AN0 *E-1SITS
Sain+s 'ank Account
le0ibility or deposits and 1it$dra1al ounds rom t$e account"
Most o t$e banks $ae rules or t$ema0imum number o 1it$dra1als in aperiod and t$e ma0imum amount o1it$dra1al3
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)an' deposits !ecurrin+ &eposit Accounts
Special kind o Term &eposits suitable or people 1$odo not $ae lump sum amount o sain+s3 but are ready tosae a small amount eery mont$"
Suc$ deposits earn interest on t$e amount alreadydeposited 4t$rou+$ mont$ly installments5 at t$e samerates as are applicable or i0ed &eposits 6 Term &eposits"
Creatin+ und or your c$ild7s education or marria+e oyour dau+$ter or buy a car 1it$out loans or sae or t$euture"
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)an' deposit
i0ed &eposit Accounts
8ide ran+e o tenures or periods rom 9days to :; years"
&epositor can ask or closin+ 4or breakin+5t$e f0ed deposit prematurely by payin+ apenalty 4usually o :
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%ost o)ce sain+saccounts
13ered &! the Indian post o4ce as their savinsand invest$ent sche$es(
Adults can have a savins account with the posto4ce
A sinle individual or two"three individuals o#$ini$u$ o# 56 !ears o# ae can open a savinsaccount in the post o4ce(
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Ti$e *eposit Account
Any individual (a single adult or two adults jointly) can open an account.
Group Accounts, Institutional Accounts and Misc. account not permissible.
Trust, Regimental und or !el"are und not permissible to invest.
# $ear, % $ear, & $ear and ' $ear Time eposit can be opened.
In case o" premature closure o" # year, % $ear, & $ear or ' $ear account on or a"ter
#.#%.%##, i" t*e deposit is wit*drawn a"ter + mont*s but be"ore t*e epiry o" oneyear "rom t*e date o" deposit, simple interest at t*e rate applicable to "rom time to
time to post o""ice savings account s*all be payable.
In case o" premature closure o" % year, & year or ' year account on or a"ter
#.#%.%##, i" t*e deposit is wit*drawn a"ter t*e epiry o" one year "rom t*e date o"
deposit, interest on suc* deposits s*all be calculated at t*e rate, w*ic* s*all be one per
cent less t*an t*e rate speci"ied "or a period o" deposit o" # year, % year or & years asmentioned in t*e concerned table given under Rule - o" ost o""ice Time eposit
Rules.
Rate o" interest / 0.12, 0.12, 0.12, 0.'2 compounded 3uarterly "or #,%,& 4 '
years T account respectively w.e.".#5#5%#1.
T*e investment in t*e case o" ' years T 3uali"y "or t*e bene"it o" 6ection 07 o" t*eIncome Ta Act, #8+# "rom #.1.%-.
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SE,URIT7 F1RM
An E#uity s$are represents real ownership o#a co$pan!8 it carries votin riht #or theshareholder(
%reerence s$ares have the pre#erence inter$s o# inco$e9asset distri&ution over anda&ove e/uit! shares( These carr! a .xed
percentae o# dividend( T!pes o# -re#erence
Shares:Redee$a&le versus non"redee$a&le
,onverti&le versus non"converti&le
-articipatin -re#erence shares
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SE,URIT7 MAR0ET ,LASSIFI,ATI1N 1F E;UIT7 S
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*E)ENTURE
A t!pe o# loan #ro$ eneral pu&licNo votin rihts
-a!$ent o# interest at a .xed rate is the
leal and contractual o&liation o# issuinco$pan!
,an &e secured aainst the assets o#issuin co$pan! or unsecured
-riorit! over pre#erence and e/uit! sharesInterest is a tax deducti&le expense
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INSURAN,E
An endo1ment policy
A li#e insurance contract desined to pa! alu$p su$ a#ter a speci.c ter$ =on its
>$aturit!>? or on death(
T!pical $aturities are ten@ .#teen or twent!!ears up to a certain ae li$it(
So$e policies also pa! out in the case o#critical illness(
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INSURAN,E
Money back planA plan in w*ic* part o" t*e sum assured is paid bac9 to t*e policy*older at regular
intervals.
Whole life insurance
began as a ;term to age #; li"e insurance product in response to mar9etdemands "or an insurance policy t*at would remain in "orce "or as long as t*e
insured was still alive and t*at would provide some type o" guarantee o" bene"its
w*en t*e insured "inally did pass away.
T*ese early w*ole li"e products stressed t*e guaranteed nature o" t*e product as
well as level premiums.
As long as t*e premiums were paid, t*e contract remained in "orce.
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INSURAN,E
A Unit Linked Insurance Plan (ULIP) is a product
o""ered by insurance companies t*at unli9e a pure
insurance policy gives investors t*e bene"its o" bot*
insurance and investment under a single integrated plan.
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REAL ESTATE
Residential house+ood total returns
Availa&ilit! o# loans
ealth taxB(((((((assessed on historical value-s!choloical satis#action
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-RE,I1US 1)CE,TS
+1L* AN* SILVER-RE,I1US ST1NES
ART 1)CE,TS
-AINTIN+SANTI;UES