Insurance Presentation

I have created a small and simple presentation for newbies regarding Life and Health Insurance . It will help new people to understand the importance of Insurance . Life And Health Insurance View more presentations from manish.pucsd.


Leave Travel Allowances and medial Reimbursements – The tax free allowances

As we are in mid Feb of the year and its tax time, I thought to talk a bit on LTA and Medical reimbursement benefits. Though many of you might already know about it, let me go over it in brief for readers who have less knowledge about it. What is LTA ? As the […]


What is mean by Risk Appetite? What determines Risk-appetite?

Have you heard the word “Risk Apetite”? You might have heard this word from your mutual funds agent, your Ulip agent, your stock broker, from analysts giving tips or any other place, we hear the word and then we feel we understand it. may be you understand it, But how do you define it? One […]


Early Investor , Smart Investor – magic of compounding

You are 25, and want to retire at 60, after 35 yrs. You earn anything more than 10k+, and can save more than 2k per month for investing if you wish. You might be earning 30k or 60k or whatever, but I am considering an average urban Indian who is earning 10k or 12k or […]


What to look while you choose a mutual fund :)

One of my readers was confused with the question “Which mutual fund should he invest in through SIP ? ” He started an SIP of 1000 in Reliance Regular Saving mutual fund , suggested by an agent . How was his investment? It is a mistake or a good decision? This is a common problem […]


The Chemistry of Equity and Debt

Following is a small Table which discusses the Equity and Debt allocation for your Investments . (Click on the chart to enlarge it). It will tell you how Equity and Debt should be used for long and short term financial goals .   It has two parameters . 1. Importance of your investment goal (Left […]


Review of Jeevan Astha Collections

Few days back I had talked about “why an investor should avoid Jeevan Astha Policy” But looks like Indians have developed unshakable belief and trust in these companies. Let us see some statistics about the policy. A report from Economic times (Thursday, 22nd Jan 2009) says “Collections for the policy which closed on Wednesday is […]


Do you have an insurance policy? -Read an amazing irony about Insurance

Imagine you are 25 years old earning 6 lacs/year, with a family to support financially. A Term insurance policy with some cover (may be 25 lacs) will have premium of 5k per year (for 25 years old) as the premium for this policy. Almost 99% people need Term Insurance, But most of the people show […]


What is Nifty BeEs ?

Nifty BeEs an Index based ETF, which tracks Nifty index . Nifty BeEs can be a important part of your portfolio. One unit equals around 10% value of index , Means if Nifty is around 3000 , one unit of Nifty BeEs will be around 300 (can be less or more a bit also , […]


Jeevan Astha .. Another idiotic product

LIC has introduced another Product called “Jeevan Astha” … Let me take one by one each line and do some analysis and raise some questions. A)Death Benefit: On death during the first policy year: Basic Sum Assured with Guaranteed Addition. On death during the policy term after the first policy year, excluding last policy […]


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