Term Insurance - Ashish

Term Insurance Explained: What, Why and How

Term insurance is a pure risk cover product. It pays a benefit only if the policyholder dies during the period for which one is insured. Term life insurance provides for life insurance coverage for a specified term of years for a specified premium. The premium buys protection in the event of death and nothing else.

The three key factors to be considered in term insurance are:

  • Sum assured (protection or death benefit)
  • Premium to be paid (the cost to the insured), and
  • Length of coverage (term).

Savings Bank Account v/s Liquid Funds

Description :

Published on Jan 31, 2019

This video highlights 4 major differences between Savings Bank Account and Liquid Funds and why Liquid funds are more advisable than the prior.
The basis of difference is based on these 4 parameters:-

Speaker Info:

Nirav Karkera is the Head of Research at Finity. He is known to look beyond just numbers and identify wealth-creation opportunities in the Indian capital markets. A former U.S. Oil & Gas, Chemicals credit analyst with a globally-renowned credit rating agency, he has a penchant for translating dynamic economics into wealth propositions.

Nirav specializes in generating risk-optimal wealth for investors through strategic as well as tactical play with equity and fixed income assets.
He is up, anytime, for an intellectual debate around anything that pertains to business, economics & wealth. He can be reached at nirav@finity.in

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Hi everyone so let’s take a look at an interesting comparison between two products  the conventional one and  the smarter one so savings bank accounts v/s liquid funds so let’s do a comparison between these two products:-

DifferenceSavings Bank AccountLiquid Fund
1) Returns3.5% for all major banks.7.25 to 7.5% as of December 2018.
2)TaxationInterest accrued on your savings account is subject to tax at the rate of your personal tax rate, irrespective of whether you redeem that interest or no.No tax on accrued income you are liable to pay tax only when you redeem the money.
3)LiquidityOn highest amount of liquidity given, you can withdraw your cash whenever required but at the same time along with higher returns and a higher post tax return. A day's lag-relatively lower liquid in nature.
4)HackingCan be hacked into and the funds in that can be siphoned off by a cyber criminal.All your money is stored in the form of mutual fund units and no one can redeem the money into any other account except you're registered bank account.
  1. Returns– so now the interesting fact about liquid funds  is while the percentage might not seem but, you would notice that it is almost double of what you are earning right now and over a longer period in time, liquid funds can generate you more than double returns on your liquid money that you usually park into a savings bank account so in fact here is an illustration just take a look at how in a liquid find outperforms a savings account over a longer period in time and just notice the difference between the corpus that is generated over a longer period in time.
  2. Taxation– You book a gain on your liquid funds again if you happen to by chance keep your money into liquid funds for over three years the tax incidence is much lower given the indexation benefit.
  3. Liquidity.
  4.  Hacking (not very prominent be is very important)  In a liquid fund even if someone were to get a login access into your mutual fund account he or she cannot redeem the money into any other account except you’re registered bank account that makes it hack safe for a to a certain degree

So all in all these are the four prime reasons why one would choose a liquid fund over a savings bank account, for liquidity it is always suggestible to have some ready cash in your savings bank account something that you will need on a day to day basis anything that you wouldn’t need for at least two days should be parked into a liquid fund and this is the best way to optimize each and every penny of what you earn and what you save.

How to invest?

As I always say the best way to invest is through Finity and the easiest way to do it is just open up your Finity app click on the top mutual fund recommendations select liquid files and they will have a list of liquid funds to select from and don’t worry Finity helps in advising and you choosing the best liquid funds available so the best time to invest and save smartly is right now and the best way to do it is through Finity.

Arbitrage Funds

Description :

Welcome to the world of Arbitrage funds!

Today you are going to learn Exactly what Arbitrage funds are, in the simplest way possible.

In fact, in this video we are going to show you what it really means and who should invest in them.

With that here is a quick overview of what’s in this video:
1. What are Arbitrage funds?
2. Who are the ideal investors?
3. Where can you invest in these funds?

Speaker Info:

Karan Batra, He is currently Head of strategic alliances and partnerships at Finity and with over a decade of experience in sales, marketing, wealth management and Incubating Start-ups across 3 industries. Key strengths include communication, relationship management and effective leadership qualities. Hard working and motivated with a strong sense of discipline. Creative, intuitive and quick to grasp new concepts that are demonstrated by a range of work experiences, interests and achievements.
You can reach out to him at karan@finity.in

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Hi everyone my name is Karan Batra and I’m from Finity.


We will talk about Arbitrage funds, so an arbitrage fund is an open-ended equity scheme which uses arbitrage strategy of investing, arbitrage is nothing but the price difference the cash and the futures market, lets understand this better with an example, so if you have a stock lets say

a) It’s trading in NSE for Rs.100 and at the same time.

b) It’s trading in BSE for Rs.99.

the fund manager will buy it in BSE and sell it in NSE and make a Re.1 profit without taking any risk this is called an arbitrage strategy.


so if you are looking to take less risk and still make a decent return then arbitrage funds are for you, arbitrage funds take advantage between the price and the derivative markets, they simultaneously buy in one place and sell in the second place thus making sure the risk is very minimal.


Arbitrage funds are best suited for investors who are looking at taking very low degree of risk and also who want to make sure that there’s not much volatility in their returns, arbitrage funds are best suited anywhere from one month even all the way upto a year from an investors horizon.
so now that we know arbitrage funds are a low risk and low volatility investment option.


Go ahead and open your Finity App go to the do it yourself section you will find 3 options equity, debt and hybrid click on the hybrid option you will find 3 more options within that click arbitrage section you will find all the different arbitrage funds, select the one that is best suited for you and go ahead and make your investment and get your money invested.

SIP v/s Lumpsum

Description :

Published on Jan 30, 2019

This video gives a clear understanding of what is the difference between an SIP and lump sum investment plans.
It covers important factors to be noted while choosing the investment plans:

  1. When can you make a choice between the two?
  2. Risk appetite.
  3. Cost of investment.

Speaker Info:-
Dipika is the Vice President along side head of business development at Finity. She has 11+ years of experience and 1000+ conversations in investments, personal wealth management, advising clients, communication & relationship management.

She is creative, witty and quick to grasp new concepts. A powerhouse in her own right. You can reach out to her on dipika@finity.in.

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Lets talk about investing into mutual funds via the SIP route the Lumpsum, because this is an often asked question to us as advisors that should I invest through a Systematic Investment Plan (SIP) route which probably means investing in small portions over a long period of time or should I invest a lumpsum commonly called a one time investment into a mutual fund.

There are several Pros and Cons of each of these and there are factors which they depend upon, so in this video lets discuss a couple of factors that you should consider before making this investment.

  • Im gonna start off with the fact that an SIP investment is a regular form of investing, which means if I have Rs. 120000 to invest I set up an SIP of Rs. 10000 every month for the next 12 months to invest that amount, an alternative to which would be just investing that entire 120000 at one point in time. When the market is growing continuously or we see that we are probably in a phase where, there is very little or no major scope for market corrections, it would be recommended for you to actually invest via the lump sum route.
  • If we are looking at a market which is probably slightly volatile may be going downward it is the best option to go through the SIP route because your making, averaging investing your money so instead of putting the entire 120000 on a one particular day your making use of that volatility and investing small portions to make a value cost investment.


There are other factors that investing via SIP or lump sum(or one time)depends upon:

  • a very important factor is your risk appetite, for instance, a lumpsum or a one time investment is very suitable for a very high risk takers who probably think that the timing of that investment does not matter as much to them.
  • For people with slightly lower or moderate risk appetite, it makes sense for you to go by the SIP route so that you are like I spoke earlier averaging your investment and getting into it.
  • Also in the scenario that you do have that clarity that you need that money 3 or 5 years from then I would definitely recommend that you go through the SIP route than the lump sum route because what could happen is that and I’ve seen these situtations in the past, where people have invested lumpsum amounts and 3 years later, or one and a half to 2 years later they probably are still at the same place in terms of investment and the investment has not grown as much because when they invested they probably invested at 34000 levels and 2 years later the market has seen certain corrections and on the day they want to withdraw their money it is at that 34000 level again, so it does not make sense for people to invest into lump sum when they know that they definitely need that amount in a certain period of time.
  • Another important part is the cost of investment so like I had been talking to you when your investing through the SIP route the cost of investing is low.
  • But in the case of lump sum investment it is high because logically at that point in time you may not be timing the market we are not all experts to time the markets aswell, I am not a big fan of timing the market too but ya if you do choose to make a lump sum or a one time investment the cost of that investment could definately be higher.

ELSS Mutual Fund updated

Description :

Published on Jan 29, 2019

This video gives you a brief idea on:
1)What are ELSS Funds?
2)Liquidity of ELSS.
3)Components of ELSS.
4)How can you achieve your financial goals with ELSS?
5)Recommended ELSS Funds

To know more about mutual funds: Visit Finity wealth website: https://finity.in
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Mutual Fund (tax-saving funds) are one of the few investment options that provide you not only tax benefits but great long term returns, also an important thing to note, the taxability on investment is much lower as compared to say your post office savings or your tax saving FDs or National Saving CertificateS which conceptually we think are giving great returns.
You need to note that each of these investments is taxed year on year on an accrual basis as per your current income slab and as per your current tax bracket.


Tax saving or ELSS Funds as they are commonly called are tax friendly in many ways to start off with they follow the EET method of investing where it is exempt on investment, it is exempt in the case of any interim dividends that you might get on the funds but yes it is taxable at the time of maturity, for instance lets say:- you have invested Rs.50000 on a tax saving mutual fund and at the time of maturity your current value is Rs.18000 a profit above Rs.100000 is taxable so you will end up paying taxes on Rs.30000 of your profits and the taxability is 10% of that so you end up paying about Rs.3000 in taxes even after taxes, it is still a much better option as compared to many of the traditional investment methods.


ELSS investments or Equity Linked Saving Scheme investments can also be done through the SIP (Systematic Investment Plan) mechanism of investing, for instance, say you need to do Rs.120000 in a particular financial year towards Tax saving mutual funds what you could do in the april of that year start an investment in an SIP into an ELSS fund of Rs.10000 per month so april to march of the next year you have finished 12 installments of investment, very important to note in this case each installment has to complete a lock-in period of 3 years so for instance if I were to have started an investment of R.10000 now in the December of 2018 this particular installment gets completed in the December of 2021 and the installment of December 2019 gets completed in December of 2022 so this is a very common mistake or a common assumption that people make while investing, keep in mind that every investment has a lock-in period of 3 years.


Let me make you familiar with some aspects of ELSS or section 80C aswell under section 80C ELSS could be just one component of the investment, the other components of section 80C could be your employee provident fund(EPF), it could be your contribution towards it, it could be any life insurance premiums that your paying, it could be any payment that your making towards your children’s school fees whcih is also a part of section 80C, in case you are making any public provident fund(PPF) investment that is also a part of Section 80C so all these components have a limit of R.150000 and even if you make a tax saving investment that crosses Rs.150000 you do not get a benefit on it.


So the ELSS Mutual funds are a great way to plan your financial goals aswell, say you have any financial goals which could be your children’s education taking a foreign vacation, building some component of your retirement fund in the next 4-5 years the ELSS can not only help you save taxes but also help you acheive that financial goal, it is important to note that the ELSS is the only tax saving investment with the Highest Liquidity and Lowest Lock-in period when I say Highest Liquidity all the other investments my EPF, or my PPF, or my Life Insurance are locked in for a certain period of time during which I can make only partial withdrawals or no withdrawals from it at all, in the case of ELSS it matures in 3 years which is 36 months after which it is absolutelly liquid for you to withdraw.


So people often ask me what are some funds that you would recommend for us to invest in tax savers I am just gonna give your 3 fund names we do have other options and you could go through our channel for some more details, I am quoting 3 names that are actually in my portfolio aswell:-

  1. One of which is the L&T Tax Saver Fund.
  2. Another one is the TaxSaver Fund.
  3. The 3rd one which I have been investing for several years now is the ICICI Long Term Equity Fund.

If your investing say R.60000 a year in tax-saving funds, Rs.20000 each could go into a combination of these 3.

Happy Investing!

Finity Weekly Update (Issue #16): JRPICL Default, your portfolio and more

“Opportunity and risk come in pairs”

― Bangambiki Habyarimana, The Great Pearl of Wisdom

While last weekend was Republic Day and we would love to share something interesting around the theme, mutual funds have received yet another shock through a credit default – but don’t worry, we’ve got your back!

This mail is to inform you about the default, corrective action taken and finally about how the week was Indian equities.


Introducing National Pension System (NPS) on the Finity app!

Now invest in NPS on the Finity app and save more taxes!

Secure our future with Finity app

Dear Customer,
We are glad to introduce a brand new product on the Finity app – National Pension System. Now you can invest in NPS on the Finity app without any paperwork in a completely digital manner!


Now invest via UPI on Finity

We wanted to share an exciting update with you. In our effort for making the payment experience superior, we have introduced UPI as a payment option on Finity. Here is how it works:

  • Install Finity app, finish paperless KYC in 5 minutes and choose Top Rated Mutual Funds to invest in.
  • You need to have a VPA (Virtual Payment Address) for your bank account. Once you choose UPI as a payment option, you will be promoted to enter your VPA.
  • A payment request will be sent to your native UPI app (e.g. BHIM, Google Pay, any bank’s UPI app, etc.) and you will receive a notification about the payment request.
  • Pay from the UPI App and return the Finity app.
  • Your transaction is successful and you can track the same in the reports section.

We know the value of hard-earned money, and we guarantee absolute peace of mind on your purchases. Signup now to start investing in Direct Mutual Funds, Term Insurance and National Pension System (NPS).

Happy investing!

Reasons to invest in Mutual Funds!

1. Expert advice

The Mutual funds you invest in are taken care of by Experts, who make instant changes in your scheme as per changing trends in the market. Thus you can easily review the growth in your investment.

2. Close Supervision

  • The Companies that deal with your investments are closely monitored by SEBI. Such strict regulations compel companies to make necessary disclosures at regular intervals.

  • Even online platforms, such as Finity, require you to complete KYC (Know Your Customer) compulsorily to ensure safety of your investments.

3. Wide range of options:

Your risk appetite is unique and hence Mutual funds provide various funds like: Balanced funds, equity mutual funds, monthly income plans, income funds, and liquid funds to meet your investment goal.

4. Reduces risk

Mutual funds provide you broad exposure to various stocks such as bonds, shares, equities, etc that are carefully selected by professionals further reducing your burden.

5. Liquidity

Mutual funds allows your to convert your investments into physical cash to meet your immediate needs incases of emergency, within 1-3 days.

6. Low Costs:

The transactions costs charged by Direct Plan mutual funds are relatively cheaper than other investments. Install Finity, which is a Direct Plan mutual fund investment app to start investing.

7. Planned Investing

Mutual funds help you to maintain a disciplined lifestyle instead of trading based on your fear or greed in the stock market directly, thereby encouraging long term investments.

8. Smaller investments

You can start investing in mutual funds with just Rs. 500.

9. Flexibility

Mutual funds provide you two investing options: regular deposits (SIP) or lump-sum payments.

10. Tax Benefits

Mutual fund provide tax advantages, that you get more profits.

11. Available on apps

You can make investments in mutual funds with just a few clicks using your smartphone. These platforms give advice, track and provide alerts on your investment plans. And its simplified as it is completely paperless.

12. Higher Returns

Since Mutual funds are linked to stock markets you can earn higher returns and beat high prices when compared to traditional instruments such as Fixed Deposits.

If 12 reasons couldn’t convince you to invest in mutual funds, I don’t know what will! Signup now to start investing:

Accomplish more with Finity’s Advanced Research Reports!

We are excited to announce the launch of our newest feature – Advanced Research ReportsThese reports are the perfect companion for investors to take a well-informed decision, and make the best returns from investments.

Key highlight:
Portfolio Analysis

  • Detailed analysis of the fund’s portfolio and sector exposure.
  • Check out top holdings and more.

Performance Analysis

  • Return analysis across multiple investment periods.
  • Index VS Fund Growth

Risk Analysis

  • Category Risk and Return matrix
  • Various other risk indicators like alpha, beta and more.

We hope that you will like this new feature of your Finity app, and make the best out of it. Click here to download Finity app to start investing in Direct Mutual Funds, Term Insurance and National Pension System (NPS).

Alternatively you can signup online to start investing:

Advanced Research Report