Asset Allocation presentation

POSTED BY manish ON April 8, 2009 COMMENTS (13)

I am putting a small presentation prepared by a friend Subbu . This talks about asset allocation at different stages of life .

Incase you have not looked at “How to be a better than average Investor” series articles . You can look at them

Part 1
Part 2
Part 3

These articles talk about use of Technical Analysis to find support and resistance levels to make better BUY and SELL decisions . Please share them with others too .

Get FREE call back from Jagoinvestor Team

First Name*
Email*
Mobile*
City*
Yearly Income*
Time to Talk*
Which Package*
Your Requirement
Lead Source
Lead Status

13 replies on this article “Asset Allocation presentation”

  1. Chirag Arora says:

    Hey manish,
    I have been following ur blog for quite some time. Really informative posts. I wanted to improve upon my asset allocation. This presentation is not loading in my browser. Could you mail it to me pls.
    E-mail ID: arora.chiggi85@gmail.com

    Cheers,
    Chirag

  2. Anonymous says:

    manish i am sending you the document which he gave me.please check your mail and advice me.

    thank you

  3. Anonymous says:

    manish i am sending you the document which he gave me.please check your mail and advice me.

    thank you

  4. rajnish kumar says:

    hye manish;

    thre was some mistake
    actually at 26 years sum insured is 26 lacks and at 56 sum insured is 1.16 crore.and maturity value is around 1.16 crore also.

  5. rajnish kumar says:

    hye manish;

    thre was some mistake
    actually at 26 years sum insured is 26 lacks and at 56 sum insured is 1.16 crore.and maturity value is around 1.16 crore also.

  6. Manish Chauhan says:

    Rajnish , though i have written a lot on Insurance in previous articles , lets see in brief this policy which you are mentioning … and lets ask some logical questions about its returns .

    you said ”
    yearly premium is :- 81252
    risk cover :- @ 27 age it is 260000 normal and @ 56 age it is 11600000.

    Tell me what will you do if you die next year , your dependents will get 2.6 lacs . Is that logical ? Is that what you want to provide to your family as risk cover . Just tell me how many months they can survive ?

    – same question for age 56 , what will your family do with 11.6 lacs after 30 years from now , with inflated cost , Its same as 2.7 lacs today !! .

    You said : marutiy period:- 30 years and maturity value will be around 11600000.

    there is something fishy here , yearly premium is 80k and term is 30 years . so total premium paid is 24 lacs , how is maturity value just 11.6 lacs ?

    after maturity i will be insured @ age upto 99 years. and cover will be 2500000 normal.

    Do you think after 60 you will need Insurance ? will your children need your financial assistance ? will some one be “financially” dependent on you ?

    And if the answer is YES , what will they buy with 25 lacs after 30-40-50 years .

    Today if you have 25 lacs , it will give you 16-17k of monthly income .

    You also said : it is not unit linked and will give me bond paper. please have a look and suggest me shall i go for it.

    The only reason “its a bond paper” is the biggest reason why you should avoid it . These policies are long term products and if its long term , it has to be market linked …

    Q, Long term
    A. Equity

    Q. Short term
    A. Debt

    Understood ?

    Dont ask the question “are you getting something with it” , ask the question “What will I miss If i go with it” and “Can I do better than this, If i go with some other products”

    Manish

  7. Manish Chauhan says:

    Rajnish

    Let me reply for each thing you asked .

    Jeevan Anand is one of the money back or Endowment plans . I have talked about them in my earliar articles about them .

    First thing is what do you want ?

    If its Insurance : Term Insurance is the only asnwer .

    If Its Insurance and Investments both : then you can go for MF + TERM combo .

    In any case Term Insurance is the thing to go for .

    Who says “Term Insurance” is best and only thing one should consider for Insurance .

    – Sandip Bandopadhyay , CEO , Reliance Money
    – Monika Halan , Chief Editor , Outlook Money
    – All CFP’s across India and worldwide

    The reason why your friend is calling is waste may have some reasons .

    – He does not understand the product himself .

    – He does not understand what Insurance means ?

    – What is the best interest of a customer in need of Insurance .

    – Commisions from Term Insurance is very small when compared with Other Policies .

    The shortest advice i can give is “Go for Term Insurance”

    Now lets come to other things .

    your age will be 26 or 27 depening on the company way of calculation .. generally its “completed years” . Better to take term insurance before your birthday .

  8. Manish Chauhan says:

    I have read it … the topic demands a sepearate article for it . wait !! ..

    thanks for asking that question 🙂

    Manish

  9. rajnish kumar says:

    manish . you did not comment on my comment. please make some note on it. thank you

  10. Manish Chauhan says:

    swathi … check your mail

  11. swathi says:

    Hey manish can u send the ppt to my gmail id :
    swathikota@gmail.com
    It is not loading in my system..

  12. rajnish kumar says:

    hye manish.

    i don’t knwo whether this article comment is right place to ask this question or not
    i want your view on lic jeevan anand policy.it is not exactly that but multiplan .one of my friend is lic divisional officer. i ask him about term insurance but he said it is waste and gave me some other options(multiplan similar to jeevan anand.). my DOB is 22/05/1982. if i take policy before 15th may 2009 will my age be 26 or will it be 27.this policy gives return of 10.66 % mentioned in the policy chart.

    yearly premium is :- 81252
    risk cover :- @ 27 age it is 260000 normal and @ 56 age it is 11600000.

    marutiy period:- 30 years and maturity value will be around 11600000.

    after maturity i will be insured @ age upto 99 years. and cover will be 2500000 normal.

    it is not unit linked and will give me bond paper. please have a look and suggest me shall i go for it.

Comments are closed.

Subscribe to Emails

More than 1,50,000 investors across the world trust & read Jagoinvetor articles. Subscribe for emails updates and get instant access to a free ebook.

Jagoinvestor is one of the most trusted personal finance websites which writes on various topics like financial planning, mutual funds, insurance and banking.

 

Download Our FREE Ebook!

Available only for first 100 people today

Download Our FREE Ebook!

Available only for first 100 people today