V) MONEY MARKET INSTRUMENT :
B Mature within One year
B Capital Protected
B Safe & low returns of 4 to 6 %
B Minimum volatility
B High Liquidity
B Good for short term investment
VI) Call Money :
B Overnight lending & borrowing of money by banks. Insurance Companies, Mutual Funds permitted within certain limits to lend in the call money market.
VII) Treasury Bills :
B Issued by Banks for 91 days, 364 days at a discount to the face value.
viiI) Certificate of Deposit :
B Issued by Banks for 91 days to 1 year at a discount to the face value.
IX) Commercial Paper :
B Issued by Corporates for 91 days to 1 year to discount to the face value.
X) Repos :
B Lending against govt. Securities for a day or more.
XI) Bank Deposits :
B Has varying maturities maximum 10 years
B Offers assured but low returns
B Capital protected
B Not marketable
B Insured upto Rs. 1 lac for each Bank
B Auto Sweep, ATM cheque Book, over Draft Facilities allowed
B Premature encashment subject to penalty
35
B TDS deducted if interest exceed Rs. 5,000/-
B ‘No Frills Account’ can be opened even with Re. 1/-
B As per this notification an individual will get tax deduction upto Rs. 1 lacs u/s 80C on investments made in such product.
B The Bank Deposits is for a minimum period of 5 years.
B Quoting of PAN in such FD is Compulsory
B There is a lock-in period of 5 years
XII) MUtual Funds :
B Invest in Equities, Bonds, MM and Bank Deposits
B Market Linked Returns
B Risk Reward linked with fund choices
B Tax-free dividends
XIII) Individual Funds (PMS) :
B Investment Portfolio constructed as per individual risk appetite.
B Minimum wealth level at entry eg. Rs. 50 lacs or Rs. 1 core
B Fees as a percentage of portfolio or are linked with return on portfolio
B No guarantee of returns
B Meant for HNI’s.
XIV) Life Insurance :-
B Provided Risk 1 cover, survival Benefits & Returns
B Creates instant Estate & Preserves Human Life Value
B Ideal for unpredictable needs
B Lone term protection cum investment vehicle
B Section 80 C, 1 (10D) Benefits.
XV) 8 % GOI Savings Bonds 2003 :-
B Interest payable half yearly or cumulative
` B Effective yield 8.16 %
B Tentre - 6 years
B Non-transferable, non tradable, non pledgeableNo TDS deductions
B Mature within One year
B Capital Protected
B Safe & low returns of 4 to 6 %
B Minimum volatility
B High Liquidity
B Good for short term investment
VI) Call Money :
B Overnight lending & borrowing of money by banks. Insurance Companies, Mutual Funds permitted within certain limits to lend in the call money market.
VII) Treasury Bills :
B Issued by Banks for 91 days, 364 days at a discount to the face value.
viiI) Certificate of Deposit :
B Issued by Banks for 91 days to 1 year at a discount to the face value.
IX) Commercial Paper :
B Issued by Corporates for 91 days to 1 year to discount to the face value.
X) Repos :
B Lending against govt. Securities for a day or more.
XI) Bank Deposits :
B Has varying maturities maximum 10 years
B Offers assured but low returns
B Capital protected
B Not marketable
B Insured upto Rs. 1 lac for each Bank
B Auto Sweep, ATM cheque Book, over Draft Facilities allowed
B Premature encashment subject to penalty
35
B TDS deducted if interest exceed Rs. 5,000/-
B ‘No Frills Account’ can be opened even with Re. 1/-
B As per this notification an individual will get tax deduction upto Rs. 1 lacs u/s 80C on investments made in such product.
B The Bank Deposits is for a minimum period of 5 years.
B Quoting of PAN in such FD is Compulsory
B There is a lock-in period of 5 years
XII) MUtual Funds :
B Invest in Equities, Bonds, MM and Bank Deposits
B Market Linked Returns
B Risk Reward linked with fund choices
B Tax-free dividends
XIII) Individual Funds (PMS) :
B Investment Portfolio constructed as per individual risk appetite.
B Minimum wealth level at entry eg. Rs. 50 lacs or Rs. 1 core
B Fees as a percentage of portfolio or are linked with return on portfolio
B No guarantee of returns
B Meant for HNI’s.
XIV) Life Insurance :-
B Provided Risk 1 cover, survival Benefits & Returns
B Creates instant Estate & Preserves Human Life Value
B Ideal for unpredictable needs
B Lone term protection cum investment vehicle
B Section 80 C, 1 (10D) Benefits.
XV) 8 % GOI Savings Bonds 2003 :-
B Interest payable half yearly or cumulative
` B Effective yield 8.16 %
B Tentre - 6 years
B Non-transferable, non tradable, non pledgeableNo TDS deductions
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