Life insurance - Life Insurance Audit

Mutual Fund is a common pool of money collected from a lot of people which is used by an experienced fund manager who invests the money in securities such as stocks, bonds, money market instruments, and other assets. Not many people are experienced in investing directly in the Equity market. Mutual funds are a boon to the investor who doesn’t have enough knowledge to invest directly in the market but wants to take a risk and gain higher returns from the market. Many investors, individuals and entities, invest money in these schemes or funds to generate better returns.

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Now a day investing in stock markets is in trend and turned out to be a very good source of making money. Most of the people fascinated towards stock markets in past several years and generated massive returns, but at the same time many of them lost their valuable funds too. Investment in equities is considered to be the best long-term wealth maximization option. The gap between unpredictability and a safety anchor in the market is bridged by the in-depth knowledge of market functioning and changing trends, planning with foresight and choosing one’s options with care.

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At LC we look at identifying the best product suited to client as no single client has a similar need. The focus is on “ I have a Health Insurance” to the “ My family is adequately Covered”.
The more complex where Leader Care’s Research desk plays a vital role is the General - Marine / Cargo / Hull for our corporate clients.

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With its market research Leader Care has identified that a large part of Life Insurance has been bought or sold in India on the platform of “Tax Savings” rather than Sum Assured or Product Benefits.
Backed by research of almost 3000 families over 20 years Leader Care brings in the concept of Life Insurance Audit. Rather than proposing a standard run of the mill products. Leader Care looks at understanding current Life Insurance Portfolio of clients to help have the right mix of Sum Assured and Long Term Goal.
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Bonds

Bond refers to a security issued by a company, financial institution or government which offers regular or fixed payment of interest in return for borrowed money for a certain period of time.By purchasing a bond, an investor loans money for a fixed period of time at a predetermined interest rate. While the interest is paid to the bond holder at regular intervals, the principal amount is repaid at a later date, known as the maturity date. While both bonds and stocks are securities, the principle difference between the two is that bond holders are lenders, while stockholders are the owners of the organization.

Another difference is that bonds usually have a defined term, or maturity, after which the bond is redeemed, whereas stocks may be outstanding indefinitely. An exception is a consol bond, which is a perpetuity (i.e., bond with no maturity). Thus a bond is like a loan: the issuer is the borrower (debtor), the holder is the lender (creditor), and the coupon is the interest. Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Certificates of deposit (CDs) or commercial paper are considered to be money market instruments and not bonds. Bonds must be repaid at fixed intervals over a period of time

Market-Linked Debentures (MLDs) are debt instruments with returns tied to an underlying market index, offering potential gains but also carrying significant risks. Unlike traditional bonds, MLD returns are not fixed and depend on the index's performance, making them complex investments. Investors must understand the associated market risk, the issuer's credit risk (especially concerning principal protection, which is subject to the issuer's financial stability), and potential liquidity challenges. Regulatory oversight by SEBI mandates transparency and disclosure, and investors should diligently review offer documents, assess their risk tolerance, and consider seeking professional financial advice before investing in MLDs.

What are MLDs?

MLDs are debt securities where returns are linked to the performance of a market index, like the Nifty 50.
Is my principal guaranteed?

In India, only principal protected MLDs are allowed. Principal protection depends on the issuer's creditworthiness. If the issuer defaults, you may lose your principal.
Are MLD returns fixed?

No, returns vary based on the underlying index's performance. You could get zero or very low returns.
What are the risks of investing in MLDs?

Market risk (index fluctuations), credit risk (issuer default), and liquidity risk (difficulty selling before maturity).
How are MLDs taxed?

In India, gains from Market Linked Debentures (MLDs) are now taxed as short-term capital gains (STCG) regardless of holding period, at the investor's applicable tax slab rate, after a change in tax rules effective April 1, 2023.
Are MLDs suitable for all investors?

No. They are complex and suitable for investors with a high risk tolerance and understanding of market dynamics.
Where can I find information about MLDs?

The offer document, issuer's website, and financial advisors.
What is the minimum investment allowed for MLDs?

SEBI has recently changed the minimum investment amount to 1 Lac to allow more retail investors access to these instruments.
How do I assess the issuer's credit risk?

Check the credit ratings assigned to the issuer by reputable rating agencies.

Loans Against Securities is available in the form of an overdraft facility which is pledged against financial securities like shares, units and bonds. Loan Against Shares/Bonds/Mutual Funds is basically a loan wherein you pledge the securities you have invested in as collateral against the loan amount. A Loan Against Securities is the best way to make your investments work harder and smarter for you.

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Portfolio Management Services (PMS) offer customized, professionally managed investment options, ideal for high-net-worth individuals (HNIs) seeking market exposure through a diverse portfolio, including equities and fixed income.

Alternate Investment Funds (AIFs) include investments like real estate and private equity, providing advanced strategies for diversification and risk reduction.

Leadercare Finance partners with top PMS and AIF providers in India, including Asset Management Companies (AMCs), helping investors diversify and achieve high returns over the long term.

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LiquiLoans is an RBI Regulated Peer-to-Peer (P2P) Non-Bank Finance Company (NBFC) providing a lending platform that connects prime retail (creditworthy) borrowers and lenders in order to facilitate retail loans (largely no-cost emi consumer loans). Borrowers are sourced through their vendor partners on the platform and lenders can choose to fund those loans and earn returns on their investment. LiquiLoans has been able to disburse ₹2,500Cr+ with 69,000+ investors. It has one of the lowest default rates and hence has been able to provide the mentioned indicative yield to 100% of the investors.

Gift City

What is GIFT City?

GIFT City: Gujarat International Finance-Tech City, India's inaugural International Financial Services Centre (IFSC), featuring a Multi-Service Special Economic Zone (SEZ).

Regulatory Unity: IFSCA holds sole authority over financial institution, service, and product regulation within the IFSC.

Diverse Services: GIFT City offers an extensive range of services including capital market transactions, banking, offshore asset management, and other financial activities.

Repatriation Hub: Aiming to entice India-centric trading back from Dubai, Mauritius, or Singapore, fostering a favourable environment for their return.

Free Trade Zone: GIFT City operates as a free trade zone, offering various tax incentives to facilitate the cross-border flow of finance, financial products, and services.

Why GIFT City?

Lower Operating costs

Competitive Tax Regime (Non-resident investors are exempt from obtaining PAN and filing return of income in India)

Engagement with Unified financial regulator

Enabling ecosystem for fund management with presence of key stakeholders including custodians and fund administrators

No diversification limits on investments made by AIF in IFSC provided the investment made is in line with the risk appetite of the investors and appropriate disclosures are made

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