Capital Guarantee Solutions: Your Safest Investment Bet

00:00:00 Speaker 1: as the second wave of Cove in 19 continues to grip India in a way like never before, the markets have also started to turn jittery. 00:00:08 Speaker 1: Fortunately, the current investment market in India is not 00:00:13 Speaker 1: gloomy, as last year when the Sensex was hovering at an all time low of 26,000 points. 00:00:20 Speaker 1: This year the markets have dropped from 51,000 point level 22 97,011. But for the next one year, the returns are expected to be extremely high. 00:00:32 Speaker 1: A prominent take away from last year's market fall is that it is not wise to wait for the economy to recover completely before making an investment. 00:00:42 Speaker 1: It might be too late to do so. 00:00:51 Speaker 1: Good afternoon, everybody. You listening to the Insurance Insights podcast. 00:00:55 Speaker 1: The podcast is a part of Navy Ashqar Bifocal Policy Bazaars Flagship Consumer Awareness Initiative. 00:01:02 Speaker 1: Through this podcast, we will simplify insurance for you so that you can take maximum advantage of insurance for a safe and secured future. 00:01:12 Speaker 1: When you talk about investing your hard earned money for a safe and secured financial future of you and your loved ones, it is important to make sure that you park it in the right investment instruments. 00:01:24 Speaker 1: In the last few months, most customers have been on the lookout for such investment plans, where they grow their coppers in few years with little or no risk to the capital Invested. 00:01:36 Speaker 1: Investors looking for investment avenues that promise high returns without the risk of losing principal money must consider investing in their money in capital guarantee plans. 00:01:48 Speaker 1: It is a mix of traditional plans and market linked products. 00:01:52 Speaker 1: Under these plants, the capital invested by the customer over the years is completely guaranteed and secured, and they even enjoy the upside of the market through money invested in equity funds to discuss more on this today with us, we have Vivek 10 Head Investments policy bizarre dot com. 00:02:14 Speaker 1: Welcome to the show With 00:02:16 Speaker 1: Way. Considering the markets in Aereo over the last one year policy, Bazaar came out with this exclusive investment plan Capital Guarantee Solutions. Can you please elaborate for our listeners what these plans are? 00:02:29 Speaker 1: Also, what was the need to come up with these plans and how did we innovated 00:02:33 Speaker 2: Capital Guarantee solution is a combination of market link, the bullet plan and guaranteed return insurance. Our plan, where in the amount that we have invested in throughout your pay term, 00:02:50 Speaker 2: is always guarantees irrespective of where the market goes. And why did we come up with these plans? Basically, we saw in the last over and a half years growing need and 00:03:05 Speaker 2: among the consumers where people were like, really scared that what what if they're invested? Amount also gets washed away with the kind of volatility with BC in the market. So this was actually innovated by us to ensure that customers at least get the money that they have invested back. 00:03:26 Speaker 2: And in case the market goes up, they also enjoy the upside of the market. Basically, capital guarantee plan enables you to enjoy the best of both worlds. You get a guarantee of the previous getting the premiums that you're paid 00:03:42 Speaker 2: back at the day of maturity, and you also get market upside Is the market does well. 00:03:47 Speaker 1: That's very interesting. The week 00:03:49 Speaker 1: moving on. How are these plans? Different from other investment plans which are already available in the market? 00:03:56 Speaker 2: These plans are different from other market ling investment plans because they had they actually come with the unique feature where where in in a way that is, there is reason onerous to the money that you've invested 00:04:08 Speaker 2: and you're still enjoying or the upside of the markets, right? In any other market link plan, if you invest, you do have the up side of the market. But in case the market goes down, you also have the risk of negative returns or or basically your money 00:04:27 Speaker 2: going down from the principal that paid. 00:04:30 Speaker 2: But in these capital guarantee plans, there is zero risk and good returns from the market, 00:04:36 Speaker 1: all right. And we have also heard that you on extra returns by investing in these plans online. Can you please explain? How does this work 00:04:46 Speaker 2: when you buy these plans online? There are two a primary benefits why you get a better rate of return one in the guarantee return part of this combination. Whenever you're buying online, cos generally give 3 to 4% extra income or extra maturity value whenever you're buying online 00:05:09 Speaker 2: and all the market ling side. The benefit that you get is basically these combinations have been made with very, very low cost you lips which which basically have very, very low cost in a way when your costs are lower or in the market link, decide your returns are higher and on the guaranteed side, because they're buying online, you get about 3 to 4% extra maturity value. 00:05:33 Speaker 1: That's a great benefit. What is the rate of return that these products are offering 00:05:38 Speaker 2: a typically basis historical performance? These plans have given returns in the range of 10 to 12% 00:05:47 Speaker 1: that create 00:05:48 Speaker 1: a canyon. Throw some light on the tax benefits that one can avail. By investing in these plans, 00:05:54 Speaker 2: the premiums that you pay in the capital guarantee solution are examined up to 1.5 locks and the Section eight e. C. 00:06:03 Speaker 2: And in case the premium is less than about roughly five lakhs, then your market link Hewlett component will be less than 2.5 lock. So 00:06:14 Speaker 2: so In that case, your maturity amount will also be tax free under Section 10 10 D. And this is something that is very, very unique to insurance that are two in the capital guarantee solution up to five lakhs. Even the return that you make is tax free. 00:06:31 Speaker 1: That's amazing. 00:06:33 Speaker 1: What age group of customers would suggest must invest in these plans and which variant should they choose? 00:06:40 Speaker 2: Adding anybody having a 10 year horizon for investment? Five. Anything, anything more than five years prison for investment should look at buying these capital guarantee solutions, because I think 00:06:53 Speaker 2: the good part about these plans is actually 00:06:56 Speaker 2: no risk and good returns, which is not there in any other market link products. So irrespective of the age group, if you have 10 year kind of investment Horizon's, you should definitely explore these plans. 00:07:09 Speaker 1: Thanks with for your valuable inputs 00:07:13 Speaker 1: while planning to invest your money in an investment product, you need to be patient and practise preserve rinse to reap the benefits of your investments. Earning massive returns by way of a windfall gain is not always possible for everyone. Before anything and everything else, it is important that you pay yourself first. This means putting some part of your earnings into investment 00:07:36 Speaker 1: before paying for expenses. That entire issue that was all for this episode I hope you liked it. You can further subscribe to a podcast on Google's Spotify hub hopper and our own block called P V Life. 00:07:49 Speaker 1: You can also catch the latest updates about insurance. Inside spot cast on policy bazaars linked in Facebook, Instagram and Twitter handle. 00:07:58 Speaker 1: Till then, take care, vaccinate double mask up sanitise and stay at home.