Organisations world-over are facing the challenge of retaining quality manpower and strive to keep the employee attrition levels to the minimum. A step towards resolving this to a certain extent is through :Productivity Enhancement and Retention Solutions

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Productivity Enhancement
& Retention Solutions

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Are you
striving to
retain your
Employees?

3. Turnover leads to more turnover
Cost of turnover
Loss of company knowledge
Interruption of customer service
Regaining efficiency
Goodwill of the company
Retention
Stakes
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4. Compensation
Growth
Environment
Support
Relationship
Why Quit?
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5. Enhance Employee Retention and Loyalty
With Money Tree Solutions
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6. Money Tree
Money Tree is a Wealth creation and
Management firm providing financial
planning solutions aiming to make the lives
of our clients unrecognizably richer in spirit
and wealth.
Safety
Revenue
Generation
Secured
Future
Wealth
Creation
Money Tree is part of “ The Premier
Association of Financial Professional ”
MDRT – Global Accolade
● Decades of experience in financial services
● Disciplined Portfolio building approach
● Access to a flexible range of wealth management solutions
● A dedicated professional client advisor
● Customized regular updates to maintain transparency
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7. Gift your
Employees
peace of mind
Employer – Employee
Key Man
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8. Employer - Employee
'Employer - Employee' suits both employer and individual employee
needs. Above all, it is designed to save money for you, the employer.
Employer - Employee insurance is a special policy where the company
takes insurance on the life of its employee.
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9. Why should I opt for Employer-Employee
Advantages for the Employer
1. Builds loyalty and serves as a strong retention tool hence lesser turnover of employees
2. Incentive for prospective employees
3. Premium paid is an approved business expense
4. No-hassle administration: With case issuing, customer service and policy changes all taken care of by insurer, the
program is easily implemented with limited administration
5. Exclusive tie-up: Employees appreciate the opportunity to purchase products that might otherwise not be offered to them
6. Portability: If an employee leaves the organization then he/she can take the plan with them without losing its benefits and
continue to pay through direct debit
7. Financial security provided to the employees at a minimal cost
8. Cheaper than individual coverage option
9. Simplified enrolment process with no medical examination up to a certain sum insured
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10. Why should I opt for Employer-Employee
Advantages for the Employee
1. Supplementary retirement benefits
2. Compensates for financial loss to family members/ dependants
3. Income Tax free benefits on retirement or maturity of policy
4. Individual ownership: Policy stays with them even if they leave the company. In the event of disability/reduced earning
capacity, the employer could advance policy benefits to the employee through transfer/ assignment
5. Choices: Choice of coverage amounts that meet individual and family needs
6. Convenience: Premiums deducted straight from employee’s salary. Hassle free enrolment
7. Multiple policies: Employees may purchase insurance coverage on their spouse, children or grandchildren
8. Cheaper than individual coverage option
9. 24 x 7 coverage provided anywhere in the world
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11. Why should I opt for Employer-Employee
Tax Benfits
Advantages for the Employer
Under Section 17(2) (vi) of the Income Tax Act the premiums paid by the employer is not treated as
bonus/benefit. The premiums paid by the employer are treated as normal business expenses for
Income Tax purposes. Tax rebate under Business Expense will applicable here
Advantages for the Employee
In accordance with the current provisions of the Income Tax Act, 1961. Any benefits received as
maturity proceeds or death benefits are exempted from tax under Section 10(10D) also, the death
benefit is not taxed in the hands of the beneficiary under Section 10(10D) of the Income Tax Act
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12. Key Man
A ‘Key Man’ is a person in a business organization who is a major driving force behind the
business and who is so unique and valuable in all areas of the business – contributing
substantially to profits of the business that without him / her being present, there would be
substantial loss to the company.
The key reason for opting for Key Man program is to compensate the loss arising from
profit reduction for the company and cost to the company in replacing the key man in case
of his / her retirement / death / resignation from the company.
The beneficiary in this case is the company.
To summarize it provides Financial Cushion to the company.
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13. Why should I opt for Key Man
Advantages for the Employer
1. Contingency plan: In case of contingency, company will have ready cash available without disturbing the firm’s
financial position
2. Protects company’s profits: For example, off setting lost income from lost sales, losses resulting from delay or
cancellation of any business project the key man was involved in, loss of opportunity to expand, loss of specialized
skills or knowledge
3. Guarantee fund: Ideal for anyone involved in guaranteeing business loans or banking facilities. Value of insurance
coverage is arranged to equal the value of guarantee
4. Tax benefit: Firms can avail tax rebate on the premiums paid u/s 37 (1) of income tax act, 1961 as business
expense
5. Flexible surrender options: In case of the key man retiring, the company may surrender the policy for its cash
value or may assign the policy absolutely in favor of the key man. In this case the surrender value will be treated as
perquisite in the hands of the employee and will be taxed accordingly
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14. Top Corporates enrolled
under this program
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15. By valuing your Employees
Enhance your company value…
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16. Money Tree
Advantages for YOU
1 Dedicated Wealth Manager - personal one-to-one service and timely advise
Customized regular updates to maintained transparency
Tax Planning - for minimizing taxes and maximising returns
Investment Planning - diversified investment, risk proof portfolio management
Insurance Planning - Life, general, health, travel etc.
Retirement Planning - worry free retirement in line with your lifestyle
Equity Trading - advise on the right stocks at right time to maximise your wealth
Wealth creation - on a regular and long term basis to meet all your goals
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17. MONEYTREE Wealth Creation Simplified 171791 77604 94035 • sales@money-tree.in MONEYTREE Wealth Creation Simplified
It is not important how much you SAVE
What matters is - how much you invest!
Rather, Where you invest, -
To achieve your dreams FASTER
In today's global market there is a need
of continuous monitoring and
professional management of your
investment.

18. 18
Presenting Money Tree
‘Risk comes from not knowing
what you’re doing.’
Warren Buffett
...Your Financial Advisory MONEYTREE
Wealth Creation Simplified
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