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Company presentation

  1. Money Plant Financial Services All your Financial Needs met at One Point | Insurance Planning | Tax Planning | Investment Planning | | Retirement Planning |
  2. Money Plant Financial Services About Us Money Plant Financial Services is a Professional Organization aimed at providing optimum solutions to Individuals in the area of Investments, Insurance and Tax Planning Mission “To Provide optimized Financial Solution to our Clients and help them for a Better Financial Planning.” Core Values | Trust | Transparency | Safety | Service |
  3. Why you Need Us  We represent the client, not any Fund House or insurance Company  We have expertise, knowledge of market and negotiating skills  We are accountable to our clients for professional negligence  We are more aware of national and international markets  We assist in speedy and fair settlement of claims  We help you evaluate the ‘terms’ and ‘service’ you are enjoying today vis-à-vis the ‘best’ available in today’s competitive market – take advantage of competition.
  4. Financial Planning Process 1 2 Determine current Develop your Financial Situation Financial Goals 6 3 Review and revise the Identify alternative Financial plan Courses of Action 5 4 Create and Implement Evaluate Alternatives your Financial plan Assess: Risk & TVM
  5. Services offered  Life Insurance  Health Insurance  General Insurance  Mutual Fund  Fixed Deposit  Bonds  Real Estate Investment
  6. Life Insurance Why life Insurance There are countless reasons why people buy life insurance. Here 5 really good ones:  Adequately planned life insurance will provide funds in the case of unexpected death or day-to-day living expenses.  Life insurance policies can also have a savings or pension provision which can help to fund you during retirement.  Some policies have riders such as ADBR,CIBR for the children or spouse.  In case of bankruptcy the cash value, together with the death benefits, of any insurance policy is exempt from your creditors.  Term life insurance has double benefits as it protects and you can also your money back during strategic points in your life.
  7. When to review insurance portfolio  Increase in assets  Increase in liabilities/Loans  Increase in earnings  Increase in inflation rate
  8. Life Insurance What we cover under Life Insurance:  Term Insurance  Child Education Planning  Retirement Planning  Health Insurance  Long Term Investment Planning  Endowment Plans
  9. Term Insurance Term insurance is a type of life insurance policy that provides coverage for a certain period of time, or a specified “term” of years. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.  Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. Types of Term Insurance Plans 1. Single-premium term policies 2. Regular-premium term plans 3. Term policies with a return of premium 4. Loan cover term assurance
  10. Child Education Planning One of the most important responsibilities you have as a parent is to ensure that your child gets the best possible education that can be provided. As a parent, you want to ensure that their development is not hampered either due to rising costs or unforeseen circumstances. Today there are ULIPs that offer money at key milestones of your child’s education thus ensuring that your child’s education continues unhampered even if something unfortunate happens to you. While, the death of a parent is an irreparable emotional loss, child education plans safeguard the child against the financial ramifications of the death of a parent.
  11. Retirement Planning Retirement is the end of active employment and brings with it the cessation of regular income. Today an increasing number of people have stated planning for their retirement for below mentioned reasons  Developments in the healthcare space has lead to an increase in life expectancy  Protection of Lifestyles  The Compounding Effect of Money  Protection for Spouse/ Dependents  Cost of living is increasing at an alarming rate Pension plans from insurance companies ensure that regular, disciplined savings in such plans can accumulate over a period of time to provide a steady income post-retirement. In a retirement plan, the earlier you begin the greater you gain post retirement due to the power of compounding.
  12. Health Insurance Shocking Truths  18% of the urban population suffers from hypertension, which leads to renal failure, stroke and cardio-vascular diseases  30% of the population suffers heart attacks before age 40  66% of deaths today are due to cardio-vascular diseases  Almost 3.5 million Indians suffer from diabetes  Cardio-vascular diseases (CVDs) like heart disease and stroke are the main causes of death and disability Selecting the Right Plan When choosing a health insurance plan, ensure that the plan:  Provide you guaranteed long-term coverage for you and your family  Have very clear and transparent coverage and renewal norms  Provide a hassle free claims process  Provide you adequate sum assured in line with your lifestyle  Has a mix of reimbursement and fixed benefits to meet both direct and indirect costs due to illness
  13. Health Insurance Reason 1: Lifestyles have changed. Indians today suffer from high levels of stress. Long hours at work, little exercise, and a consequent dependence on junk food have weakened our immune systems and put us at an increased risk of contracting illnesses Reason 2: Rare non-communicable diseases are now common. Obesity, high blood pressure, strokes, and heart attacks now affect an increasing number of urban Indians. Reason 3: Medical care is unbelievably expensive: Medical breakthroughs have resulted in cures for dreaded diseases. These cures, however, are available only to a select few. Reason 4: Indirect costs add to the financial burden: Indirect sources of expense—travel, boarding and lodging, and even temporary loss of income—account for as much as 35% of the overall cost of treatment. Reason 5: Incomplete financial planning: Complete financial planning includes saving for an uncertain future, children’s education, retirement and the most important aspect of your life – your health.
  14. General Insurancewe cover under Life Insurance What  Health Insurance  Motor Insurance  Travel Insurance
  15. Mutual Fund are professionally managed forms of collective Mutual funds investments that pool money from many investors and investing it in stocks, Bonds, and/or other securities Types of Mutual Funds Scheme in India The composition of the fund may vary from scheme to scheme and the fund manager’s outlook on various scrips. The Equity Funds are sub-classified depending upon their investment objective, as follows: Diversified Equity Funds Mid-Cap Funds Sector Specific Funds Tax Savings Funds (ELSS) Equity investments are meant for a longer time horizon. Equity funds rank high on the risk-return matrix
  16. Mutual FundEquity Linked Savings Schemes (ELSS) ELSS is the mirror image of a diversified equity fund. This means the fund manager will invest in shares of various companies across various industries. What sets it apart is the added tax benefit, something a diversified equity fund does not offer. ELSS funds have a lock-in period of three years.
  17. Fixed Deposits A fixed deposit is meant for those investors who want to deposit a lump sum of money for a fixed period; say for a minimum period of 15 days to five years and above, thereby earning a higher rate of interest in return. Features  Bank deposits are fairly safe because banks are subject to control of the Reserve Bank of India (RBI) with regard to several policy and operational parameters. The thing to consider before investing in an FD is the rate of interest and the inflation rate. A high inflation rate can simply chip away your real returns. We suggest our clients, the best debt instruments like Fixed Deposits time to time
  18. Bonds A bond is a loan you make to an institution. You can make the loan to the Indian government, a state, a local municipality or to a company. Companies and governments need this money to finance projects like new buildings and roads. Bonds are a vital part of the global capital markets and are essential for any investor's portfolio. The Benefits of Bonds: • Financial Security  • Portfolio Balance & Diversification • Tax breaks • Weighing the Risks We suggest our clients, the best debt instruments like Bonds time to time based upon the requirement
  19. Reaching Us Address:108/3, Sri Ranga Building, 7th A Cross, Thavarekere Main Road, DRC Post, Bangalore-560029 Ph: 080-40928340, 8339, 8434. Mob: 9986320305 E-Mail:,
  20. Thank you