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Equity signifies a share in a company, offering the opportunity for sustained growth and potential dividends. It serves as a gateway for investors to hold a part of prosperous businesses and partake in their achievements.
Equity = Ownership in a company
Equity is the capital amount which is raised or contributed by the members of the company. The net worth of a company. This represents the ownership interest of the shareholders (common and preferred) of a company. For this reason, shares are often known as equities.
A share is simply a divided-up unit of the value of a company. If a company is worth Rs. 100 Cr., and there are 50 Cr shares in issue, then each share is worth Rs. 2
The market in which shares are issued and traded, either through exchanges or over-the-counter markets. Also known as the stock market, it is one of the most vital areas of a market economy because it gives companies access to capital and investors a slice of ownership in a company with the potential to realize gains based on its future performance.
The Indian Equity Market is also the other name for Indian share market or Indian stock market. The forces of the market depend on monsoons, global fundings flowing into equities in the market and the performance of various companies. The Indian market of equities is transacted on the basis of two major stock indices, National Stock Exchange of India Ltd. (NSE) and The Bombay Stock Exchange (BSE), the trading being carried on in a dematerialized form. The physical stocks are in liquid form and cannot be sold by the investors in any market. Two types of funds are there in the Indian Equity Market, Venture Capital Funds and Private Equity Funds.
Experience the power of diversified investment through our carefully curated mutual fund options. Tailored to your risk tolerance and financial aspirations, our investment strategies aim to optimize returns while managing risk effectively.
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.
Any one who is aware of stock market is not new to mutual funds. Mutual funds have gained in popularity with the investing public especially in the last two decades following are some of the primary benefits.
1. Professional Financial Experts
Every Mutual Fund scheme has a well-defined objective and behind every scheme, there is a dedicated team of financial experts working in tandem with specialized investment research team. These experts diligently and judiciously study companies, their products and performance, and after thorough analysis, they decide on the best investment option most aptly suited to achieve the scheme’s objective as well as investor’s financial goals.
2. Diversifying Risk
It plays a very big part in the success of any portfolio. Mutual funds invest in a broad range of securities. This limits investment risk by reducing the effect of a possible decline in the value of any one security. Mutual fund unit-holders can benefit from diversification techniques usually available only to investors wealthy enough to buy significant positions in a wide variety of securities.
3. Low Cost
Mutual Funds generally provide an opportunity to invest with fewer funds as compared to other avenues in the capital market. You can invest in a mutual fund with as little as Rs. 5,000 and also have the option of investing a little of Rs.500 every month in a SIP or Systematic Investment Plan.
4. Liquidity
You can encash your money from a mutual fund on immediate basis when compared with other forms of savings like the public provident fund or National Savings Scheme. You can withdraw or redeem money at the Net Asset Value related prices in the open-end schemes. In closed-end schemes, lock in period is mentioned, investor cannot redeem his investment until that period.
5. Variety of Investment
There is no shortage of variety when investing in mutual funds. There are funds that focus on blue-chip stocks, technology stocks, bonds or a mix of stocks and bonds and with due assistance from a financial expert, the investor can choose a scheme that aptly fits his requirements, and helps him achieve maximum profitability.
1. Equity Funds
Equity funds aim to provide capital growth by investing in the shares of individual companies. Any dividends received by the fund can be reinvested by the fund manager to provide further growth or paid to investors. Both risk and returns are high but equity funds could be a good investment if you have a long-term perspective and can stay invested for at least five years.
2. Debt or Income Funds
The aim of debt or income funds is to provide you with a steady income. These funds generally invest in securities such as bonds, corporate debentures, government securities (gilts) and money market instruments. Opportunities for capital appreciation are limited.
3. Balanced Funds
The aim of balanced funds is to provide both growth and regular income as such schemes invest both in equities and fixed income securities in the proportion indicated in their offer documents. The investor may wish to balance his risk between various sectors such as asset size, income or growth. Therefore the fund is a balance between various attributes desired, however, NAVs of such funds are likely to be less volatile compared to pure equity funds
4. Liquid Funds
Liquid funds are a safe place to park your money; it is an appealing alternative to bank deposits because they aim to provide liquidity, capital preservation and slightly higher interest rates than bank accounts. Returns on these funds fluctuate much less compared to other funds as the fund manager invests in ‘cash’ assets such as treasury bills, certificates of deposit and commercial paper.
5. Index Funds
Index funds are passively managed funds i.e. the fund manager attempts to mirror the performance of a benchmark index like the BSE Sensex or the S&P CNX Nifty, by being invested in the same stocks. NAVs of such schemes would rise or fall in accordance with the rise or fall in the index.
Secure your savings with our reliable fixed deposit solutions offering stability and attractive interest rates. We provide guidance in selecting the most suitable options aligned with your financial goals.
Fixed Deposits are one of the oldest and most common methods of investing. When it comes to assured returns, choosing the right type of savings scheme makes all the difference. Fixed Deposits let you make the most of value-added benefits as you create wealth at low risk.
Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.
» Financial Institutions
» Non-Banking Finance Companies (NBFCs).
» Manufacturing Companies
» Housing Finance Companies
» Government Companies
Company Fixed Deposits offer comparatively higher returns than banks.
¤ Choose the best tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments:
» Maturity
» Yearly
» Half-yearly
» Quarterly
» Monthly
¤ Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
¤ Premature encashment of deposit is available any time subject to payment of prescribed penalty.
¤ Diversify Risk- The deposits should be spread over a large number of companies engaged in different industries. This way, you’ll be able to diversify your risk among various industries/companies.
¤ Wide Choices- Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.
¤ Attractive rates as applicable from time to time.
Protect what matters most with our comprehensive insurance solutions. From life and health insurance to property and general coverage, we ensure your peace of mind and safeguard your future.
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer’s promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.
1. General Insurance
2. Life Insurance
Health Insurance
A health insurance plan is designed to cover the cost of healthcare and medical treatments. So, if you’re ever diagnosed with an illness that’s covered by the plan or if you require an emergency surgery, the payout from a health insurance plan can help significantly reduce the financial impact of these medical bills.
There are two different types of health insurance plans that you can opt for –
Individual health insurance, which covers only a single individual
Family floater plans, which covers an entire family
Learn how to choose the right health insurance plan based on your salary here.
Motor Insurance
With a motor insurance plan, you basically insure your motor vehicle, like your car or your two-wheeler. In case of an accident or a mishap, the payout from the motor insurance policy can be used to repair the damages to your vehicle and take care of any third party liabilities that may arise.
As with health insurance, there are two different types of motor insurance plans available in India –
Third party liability insurance, which covers only third party liabilities that may arise due to an accident involving your vehicle
Comprehensive motor insurance, which covers both third party liabilities as well as any damages that occur to your own vehicle during an accident
Home Insurance
Among the different types of general insurance, home insurance is by far the most overlooked kind of cover. As the name suggests, home insurance policies insure your house.
And in the event of any damage to your house or its structure due to natural disasters, explosions, fire, burglary, or riots, you can use the payout that you receive from the policy to rectify the damages.
Travel Insurance
Travel insurance is designed to cover the risks involved in travelling. This includes flight or baggage delays, loss of passport or baggage, emergency medical expenses while travelling, and flight cancellations, among other things.
In case any of the above events occur, you will be eligible to receive monetary compensation for the same from the insurance company. There are three main types of travel insurance policies that you can opt for –
Domestic travel insurance, which covers domestic travel within the country
International travel insurance, which covers international travel
Multi-trip travel insurance, which has a longer tenure and can cover multiple trips
Summing Up
With this, you must now be aware of insurance and its types in India. Insurance is easily one of the most useful investment options available. By purchasing an insurance policy, you can effectively protect your assets, including your life and your health.
Life insurance can be further categorised into different types, according to the nature of the benefit offered. Here’s a quick look at the different types of life insurance.
Term Insurance
Term insurance is one of the most popular types of life insurance. Since it is a pure life cover, it is also the most affordable kind of life cover. Here, your beneficiary will receive the death benefit sum assured in the event of your demise during the policy term.
However, if you survive till the end of the policy term, you will not be entitled to any benefits whatsoever. Unless you opt for the Return of Premium (ROP) rider at the time of purchase, in which case you will be entitled to get back all of the premiums paid upon the plan’s maturity. Endowment Life Insurance Whole Life Insurance Unit Linked Insurance Plans (ULIPs) Child Insurance Retirement Plans
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At Sselitefintech, we prioritize your financial well-being, providing expert guidance and tailored solutions for a secure and prosperous future. Contact us to explore how our services can help you achieve your financial goals.
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At SS Elite Fintech, our journey is steeped in five years of unwavering dedication to empowering individuals and businesses alike.
