Life’s Uncertainty No More – Interesting Plans Coming Up from Bajaj Allianz


Life is full of uncertainties and even planning doesn’t work sometimes, for instance if you plan that tomorrow evening you want to go for dinner with your family, but due to some unforeseen reasons you are not able to act on the plan, that doesn’t mean your plan failed, it did because of  unforeseen reason you had to hold back, which are #IfsOfLife, similarly we should plan for ourselves or our family’s future in advance when it comes to monetarily support after we are not there for them or we have reached our retirement and are no longer earning.
There are end no of possibilities to what can be done to achieve the goal of being financial stable after 20, 30, 40 or even more years considering the #IfsOfLife, however the basic perception when it comes to securing funds for future is by saving from earning or maybe investing in gold, however there are better and more rewarding option available which are systematic and more rewarding in the longer run, any guesses? Well I am talking about LIFE INSURANCE, yes! Life insurance are well structured and have a systematic approach to meet the goal of making your family’s life secure after you are not there for them or after your retirement days.
For instance let’s talk about a lifestyle necessity such as tooth brush, right now a tooth brush costs INR 25, there are 4 member in your family and it is required to be changed after 1 month, considering that INR 100 is the cost per month, and INR 1200 annually, but have you ever thought what would be the cost of this same tooth brush after 30, 40 or 50 years? Considering the Market fluctuations and the ever growing inflation at a steady increase of 8 to 10% yearly  is observed. Considering the inflation rate the price of that tooth brush after 30 years would be, any guess? That same tooth Brush would cost you close to INR 21000. Little surprised to see these figures, aren’t you?

bajaj-allianz-new-logo
Concluding from above points, I am excited to tell you that I shall be talking about Bajaj Allianz Life Insurance new Online Term Plan, this Online Term Plan is going to be launched on the 23rd of December, It is going to be a game changer in the Insurance space in the coming day, these plans wont only cover life insurance but also against disability or dreaded diseases.
Please visit @BajajAllianzLIC for updates on their upcoming product which is due to launch on 23rd December 2016.
Stay tuned for more details on my blog, for any queries please message me on the comment section below for further discussion.

Mutual Fund Investment Made Simple with Edelweiss Guided Portfolio


Life is constantly moving at a very fast pace and there is limited time for anything considering the options we are spoiled with, for instance question commonly hovering over our head whenever we sit to decide on something would be what to choose? Where to choose? How to choose? What would be the best option that would yield optimum returns? The never-ending quest to get the best sometimes takes a toll and we end up making haste decisions.

So, why am I discussing all this? Ok, let me reveal the suspense of the topic, I am talking about mutual funds investment, though I have been speaking about it quite often these days on my blog, still I strive to provide you with the best I can from the market updates.  Recently in this quest to find some information about investing in Mutual Funds, I came across Edelweiss GPS. Now you may ask me what is Edelweiss GPS? Edelweiss Guided Portfolio Service is an algorithm based intelligent system which designs mutual fund portfolios for investors and guides them towards their financial goals through systematic investments, you may ask me why am I highlighting a specific service provider to showcase right? But I would be happy to let you know that once I take you through the sheer features of Edelweiss GPS even you would want to start talking about it, well this is what I feel.

edelweiss-banner-pic

Design: The Edelweiss Guided Portfolio online page will simply surprise you with the simplicity of the design which is clean, cluster free and pop up free, which lets you focus on the features of the website and allows you to better understand the complexity which is well disguised within their online page design.

Features:

e-KYC: KYC document requirements are always a task, with multiples forms and signatures and photos and what not, but wait, if you happen to have a Aadhar card that is all you need to open an account with the Edelweiss Guided Portfolio, hassle free within second registration.

Investing made simple: “I want to invest —– Rs. I’m —- years old, and prefer select a risk profile” like does it get any simpler then this? Once you fill this quick form, the backend algorithm calculates your preferred risk and show you mutual fund portfolios accordingly.

Simplicity in diversity: The dashboard is a prominent feature of the Edelweiss Guided Portfolio, which is very minimalistic in design, though the details of mutual funds invested in and market watch feature are a commendable achievement they have managed to sync in.

DATA: We all love data, we want well researched data guiding us through the market hic ups or providing details about emerging trends in mutual funds or even indicating any recent updates on where to invest, this is well taken care of in their research page with blog post across different market trends and updates, a must check feature.

I can go on and on with the features, but I want you all to discover the features all by yourself and indulge in some cluster free, highly informative and systematic mutual fund investment and let your money grow multi folds.

Make a wise investment decision with Mutual Funds


What is a general perception when you hear the word mutual funds investment? I bet the first thing that crosses your mind will be “risk” i.e. if you have never invested in mutual funds. But should that bother you when you have a successful moderator working for your investment funds in the market? Well, you would be interested to go through the article to know more about Mutual Funds.

To all the readers who are not well-versed with Mutual Funds, here is a brief description:

Mutual Fund investments are investments made in companies or firms which are public listed on National Stock Exchange / Bombay Stock Exchange. The returns on such investments depends upon the company’s performance and the overall market.

Why should you invest in Mutual Funds when you have a safer option of FD’s (Fix Deposits) you may ask?

The answer would be though mutual funds are not as safe as a FD deposit, still if mutual funds are invested in right companies comparing their past records and management, then the returns on yearly basis are much higher competitively and there is more flexibility  plus tax benefits.

Talking about Mutual Funds investment and risk, a balance is needed, which could yield a better dividend and is safer to investment in, here is where a unique plan from ICICI Prudential Mutual Fund steps in, the “Balanced Advantage Fund” scheme which is an open-ended equity oriented fund that brings multiple benefits to your investments. It strives for growth by investing in equity markets, while providing relative safety through investments in debt instruments.

invest-in-mutual-funds

I would like to share some interesting facts and figures to illustrate on why the ICICI Prudential Balanced Advantage Fund is a good choice.

Investment Objective:

The objective of this fund is to create wealth over a long period of time through a balanced investment in equity markets as well as debt markets and money instruments. It also aims to do this by mitigating the risk from equity markets as much as possible by not sticking to a single strategy alone.

Why Invest?

  • Benefit from an in-house asset allocation model that aims to buy low & sell high
  • Aim to gain from market volatility over the long term

Fund Highlights

  • Invests in both equity & debt instruments
  • Provides tax-free returns#
  • Aims to provide month-on-month tax-free dividends$
  • Manage your monthly cash flow with Automatic Withdrawal Plan^ & Monthly Dividend Feature

#As per prevailing tax laws for FY16-17, returns earned after one year are tax free.

$Distribution of dividend is subject to approval from Trustees & availability of distributable surplus

^Automatic Withdrawal Plan is only a feature for regular withdrawal from the scheme and shall not be construed as an assurance or guarantee of return.

A 3-in-1 fund

BAF may be considered to be three funds rolled into one. When valuations become expensive the fund’s equity allocation can fall to as low as 30%. In such market conditions, the fund resembles a monthly income plan (MIP). When the market becomes fairly valued, the fund raises its allocation to equities to 65%, thereby resembling a balanced fund. And when market valuations decline, it raises its allocation to equities to the maximum limit of 80%. At such times it resembles an equity fund. Thus, it can be viewed as a three-in-one product, with the added benefit of being taxed like an equity fund.

BAF’s ability to perform in all market conditions makes it a very good fund for people with low to moderate risk appetite, who have invested in FDs all their lives but now want a moderate taste of equities. This is a fund for investors who don’t want to be bothered about questions such as: the market has risen (or fallen), should I book profit or stay put? The fund takes care of all these issues on investors’ behalf.

Thanks to BAF’s stellar performance, investors have reposed their faith in it. The fund’s asset under management (AUM) has risen from Rs. 204 crore in March 2013 to over Rs. 10,000 crore in November 2015, a 47-fold growth over just two-and-a-half years.

ICICI-Prudential-Balanced-Advantage.jpg

Disclaimer:
Mutual Fund investments are subject to market risks, read all scheme related documents carefully

A day long date with Tata Hexa


If you ask me? Memories and discoveries are made while travelling to new places and going on road trips!

Luckily I got a chance to experience both, YES! Last week i.e 22/10/2016 to 23/10/2016 I got a chance to witness and experience the #HexaExperience with the all new yet to be launched Tata Motors flagship Hexa, thanks to good folks at indiblogger.in for organizing the event in association with Tata Motors and shortlisting 60 bloggers from across India to experience the ultimate drive of Tata Hexa at Hyderabad – the city of Nizams and Pearls, accommodation was at the Novotel Hotel – Hyderabad, near the airport.

IMG_20161023_081140.jpg

The Mumbai bloggers reached the hotel at around 3.00pm, we were pleasantly greeted by Team Indiblogger and the Novotel Hotel Reception staff. After the warm welcome, we were guided to our hotel rooms and blogger registrations. After that we headed towards lunch at the Novotel’s Square restaurant – lavish and exquisite cuisine on the menu. We gathered again at around 6.30pm for a briefing at the Novotel Hotel ballroom from Tata Motors engineering, design and marketing team, followed by Q & A session.

IMG_6145.jpg

The first to take the center stage and greet us was Nihal from team Indiblogger, after that Mr. Ashish Sahni took over and spoke about the Tata Hexa and shared some brief information about the car apart from welcoming us on behalf of Tata Motors. Next to come up was Mr. Vivek Srivatsa, Head-Marketing for Tata Motors Passenger Vehicles, who aptly described the concept for developing a new breed of MUV, the thought process and the challenges of understanding the customers need by evaluating the analytical data gathered.

This slideshow requires JavaScript.

Highlight of the presentation was discussion on design, driving characteristics, comfort, size and Safety & Technology apart from categorizing the Tata Hexa into multiple categories such as Power packed – that is the engine under the hood, feature loaded – that is the interior and car’s function with multi driving modes and off road capabilities and Adrenaline pumping – the driving experience.

Next was Mr. Richard Winsor – Chief Designer Exteriors at TATA Motors who gave a brief background about the design of the car, exterior and interiors, the challenges they faced while designing MUV for Indian roads while keeping it upbeat in looks and comfort. Richard described about the 2 categories which he stated as Impact design, the EX’s which were EXCITING, EXPRESSIVE and EXTRAORDINARY and the IN’s which were INVITING, INTELLIGENT and INTOUCH. I was impressed when Mr. Richard spoke about the car’s seat design, which was given special attention by adding some amazing dimension to the overall look and feel, which was premium in all aspects.

Cocktail and dinner was waiting for us. As we headed towards the lawn of the Novotel Hotel we were surprised to see some additions, such as punching bags. Cocktails were theme based-Power packed, feature loaded and adrenaline pumping. Apart from that there were couple of caricature artists, but however the show stopper of the evening was Mr. Biswa, the Youtuber and stand-up comedian who is admired for his sarcastic and witty cracks on daily life situations and happenings, it was a pleasant surprise. Apart from all – a fantastic dinner and a great networking session with bloggers, a lot of new faces besides the familiar ones.

img_20161022_205220

Next day was an early wakeup call of 5.00am for breakfast, it was a bright and beautiful Sunday morning to go for a long drive. After breakfast, we were given a briefing about how to use the different functions of the car to maximum effects for both Manual and Automatic transmission cars.

There were 20 cars and 60 bloggers, so 20 teams of 3 bloggers each were designated the night before. Every car was accompanied by a person from the Tata Motors staff, so that they could tell about the features and help in providing information needed while driving and understanding the car’s DNA. It was roughly a 170 kms drive overall. I was accompanied by Tanmay Pangam and Priya Shiva, both being an amazing company, we had a gala time while driving and cruising throughout the journey along with some halts at scenic locations.

img_6211

First Impressions on the driving Tata Hexa:

  • The Driver’s Seat: The captain seat as I would say because of the height and the feel of the seat, it is so well positioned that I could view 2 to 3 cars ahead of me in a straight line, so you can just imagine how authoritative one would feel.
  • Steering: Steering was smooth, the car is very responsive while in high speeds and overtaking, apart from a stable experience while driving along the highway as well as single lane bumpy roads.
  • Comfort: If you consider driving a MUV which is as broad and muscular as the Tata Hexa, you would doubt the comfort in driving experience considering the sheer size of the car and the steering control, but that is when it surprises you with a very pleasant driving experience considering the comfortable seat and the steering controls.
  • The Sheer Power: While I was on the AWD (Automatic Transmission) version of Tata Hexa which comes in 2-WD (wheel drive) 2 litre VARICOR engine, the engine was responsive to acceleration and was giving power accordingly to the push of the pedal, I have driven few AWD cars before, but the Tata Hexa exceeded expectation and gave a power pack performance.
  • Off road comfort: While we were given a fairly bumpy route to test the Tata hex on all fronts, we were on a long single lane passage with bumpy roads and rough turns, the car cruised as if it was going on a highway, due to the big wide tire of 19 inch and rubber to alloy ratio, it played a significant role in giving a truly comfortable ride apart from the strong, steady and reliable shock absorber and not to forget the body hugging seats, just the right ingredients for a comfortable off road experience.
  • The dazzling surround sound: The JBL speakers in the car are well integrated, designed and positioned perfectly to set the mood rolling while you are thundering along the roadway.

Thou I could go on and on with the list, but I will restrict myself here, and share my bits on the off-road experience which was thrilling indeed, after the 170 kms drive, we reached back to Novotel Hotel, we were instructed to have an off-road experience with Tata Hexa so that they could demonstrate the off-road features of the Tata Hexa. Some of the highlights of the off-road experience were:

  • The dead holes: Yes, the Tata Hexa easily crossed through the dead holes like a boss with its extraordinary shock absorbers and intelligent tyre pressure sensing technology it aptly understands which tyre requires pressure and accordingly powers individual tyre giving enough torque required to glide through dicey surface, I have taken some pictures which will demonstrate what I am talking about.
  • Scary Tilt: After covering some scenic beauties, the first thing I was told is to fasten my seat belt, cause it’s going to be a fun ride, when the car reached the tilted surface, I was in a state of disbelief about how will this car tilt and stay stable, but while I was experiencing the drive through that tilt, the car was stable at that degree of slope, showcasing the cars stability and grip on any road.

IMG_6329.jpg

  • The Un-Skid: Well, you can drive along smoothly on icy surface with your Tata Hexa, yes! As I have spoken in point 1, the technology allows the car to understand which tyre requires torque and delivers the power to cruise through.

IMG_6335.jpg

  • Hill descent and hold: It was a roller coaster ride but wait, the driving instructor on the wheels told us something that was a little hard to believe at first, so with the Tata Hexa while you are driving on hill descent pathway, all you need to do is essentially nothing, the system does its thing while on rough road mode automatically.

IMG_20161023_083324.jpg

Final Comments:

Though the price point of the Tata Hexa is still a mystery and it shall be revealed at the time of Launch, however the speculation in the auto world are eyeing at a competitive price of around the range of 15 to 20 Lakhs, is it worth it? A thumping yes after driving the car and understanding the true potential of features and the striking looks, I would invest in it for the off road as well as long drive getaways. Tata Motors have worked extensively on the exteriors, interiors and the engineering to pull off a stunner MUV – and it has impressed everyone who has driven this beast!

 

Are you Ahead of Time – with Sobha Dream Acres ?


maxresdefault

India is one of the fastest growing economies in the world. The Silicon Valley of India, Bengaluru is one of the major cities to contribute to the growth of the country. Companies like Infosys, with their headquarters in the city, have gone on to make a mark on the world map.

Are you planning to shift to Bengaluru? Have you found your dream job here? Planning to make an investment in the IT capital of India? Then it is important to learn about a well-renowned name in the real estate industry for over two decades. Sobha Limited is the builder’s name and Sobha Dream Acres is their latest project.

Sobha Dream Acres is an amazing project considering their beliefs and the vision for the future. They believe in a triangle that consists of legacy, quality, and technology, combining which creates great value.

The key aspect that separates Sobha Dream Acres from the rest is, they have adapted precast technology and backward integration in construction. Precast concrete in simple is – A type of concrete produced in a reusable mould, cured in a controlled environment, transported to the site and lifted into place:

Some of the major advantages of precast technology are:

Faster Occupancy – As precast elements are manufactured in a plant and erected at the site, the project is completed a lot faster than by using the conventional method of construction.

Life-Long Comfort – Precast buildings offers more insulation from extreme temperatures. These also reduce sound transmission, a facet very important in a multi-unit housing.

Great Sense of Security – Thanks to precast technology, the buildings are fire, water and earthquake resistant.

Beautiful Appearance – Since precast elements are cast in a factory, they come in a wider range of surface finishes, colours, and shapes.

 

sobha_dream_acres_featured_image

With Sobha Dream Series, they  have realised their dreams of bringing international quality within the reach of an entirely new category of buyers – young families, executives, professionals and others seeking to buy their first home. Sobha Dream Series homes do this through the use of advanced precast technology and backward intregation.

Sobha Dream Acres is located in the Golden Quadrilateral of Bangalore. This area includes Outer Ring Road (ORR), Sarjapur and Whitefield.

To know more about the project visit their YouTube channel to stay #aheadoftime