We care for Our customers hard earned money.
We help them transform their money into ever lasting wealth.
We believe money works best for you when our plan your life around it, but we go a step further & believe it is also important to plan your money around your life.
You must be in a position to enjoy life to the fullest and never be short of money especially when you need it the most. At Samaya Investments, I help my clients set their goals, plan & invest their money through the most prudent methodology of Investment & finally help them see their money grow into wealth right before their eyes.
Our financial planning services help you make the right investment choices, be it for your income after retirement, your child’s education, their marriage, planning against unforeseen circumstances, your health & your family’s well being. Be it any of life’s challenges, you will always find yourself prepared with our financial planning services. Make an appointment with us & see how much we care for your growth.
Mutual Funds are financial instruments. These funds are collective investments which gather money from different investors to invest in stocks, short-term money market financial instruments, bonds and other securities and distribute the proceeds as dividends. The Mutual Funds in India are handled by Fund Managers, also referred as the portfolio managers.
The Securities Exchange Board of India regulates the Mutual Funds in India. The unit value of the Mutual Funds in India is known as net asset value per share (NAV). The NAV is calculated on the total amount of the Mutual Funds in India, by dividing it with the number of units issued and outstanding units on daily basis.
Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.
Life Insurance can be defined as a contract between an insurance policy holder and an insurance company, where the insurer promises to pay a sum of money in exchange for a premium, upon the death of an insured person or after a set period.
Life insurance benefits can help replace your income if you pass away. This means your beneficiaries could use the money to help cover essential expenses, such as paying a mortgage or college tuition for your children. It can also be used to pay off debt, such as credit card bills or an outstanding car loan.
Insurance contracts that do not come under the ambit of life insurance are called general insurance. For this purpose, general insurance products are bought as they provide protection against unforeseeable contingencies like damage and loss of the asset.
General insurance covers home, your travel, vehicle, and health (non-life assets) from fire, floods, accidents, man-made disasters, and theft. Different types of general insurance include motor insurance, health insurance, travel insurance, and home insurance.
A financial plan is nothing but a step-by-step approach to meet one’s life goals. Why go for a Financial Plan? Multiple reasons. For one, parental needs are rising, and kids’ dreams are going to cost money. Lots of it! Because don’t forget inflation It will only make these goals more expensive as time goes by!!!!!
Life Insurance is a financial cover for a contingency linked with human life, like death, disability, accident, retirement etc. Human life is subject to risks of death and disability due to natural and accidental causes. When human life is lost or a person is disabled permanently or temporarily, there is loss of income to the household.
Though human life cannot be valued, a monetary sum could be determined based on the loss of income in future years. Hence, in life insurance, the Sum Assured (or the amount guaranteed to be paid in the event of a loss) is by way of a ‘benefit’. Life Insurance products provide a definite amount of money in case the life insured dies during the term of the policy or becomes disabled on account of an accident.
Let’s proceed on the assumption that you’re taking out an individual construction loan. Such loans, which can be tough to get without a previous banking history because of the lack of collateral (a finished home),
Apart from risk cover life insurance also offers the benefit of regular savings. Whole life plans, Unit Linked Insurance Plans (ULIP), endowment or money-back policies etc offer a mix of life cover and savings. In a whole life plan the policy holder is covered till death or on reaching 100 years of age. If the insured individual lives beyond the age of 100, he/she receives a maturity benefit and in the case of any unfortunate event, his/her nominees receive the death benefit. A whole life insurance policy also accumulates a cash value that’s accumulated throughout the life of the policy.
Life insurance provides you with that unique sense of security that no other form of investment provides. By buying life insurance, you buy peace of mind and are prepared to face any financial demand that would hit the family in case of an untimely demise. It can also help your family to enjoy their current lifestyle in your absence without compromising on their dreams.
Life insurance can be a valuable tool in tax planning. Apart from helping you save tax on insurance premium paid by you up to the extent of 1.5 lakhs yearly, it also offers tax free maturity in most insurance policies.
The cash value accumulated on your insurance policy can be used as an emergency fund in case of financial crisis. Most regular life insurance policies also offer the facility of loan which can also come in handy if you are facing a cash crunch.
Life insurance is a long term investment. So over a long period of time you can accumulate a substantial amount along with the policy bonuses which can help you to supplement your income after retirement.
Life insurance policies can be broadly classified into three categories, such as pure insurance plans, traditional polices (endowment, money back, whole life insurance plans), pension plans and unit linked plans.
