SOLUTIONS
Portfolio Management
Portfolio Management
To create direct equity portfolio, I also have comprehensive portfolio management solutions to offer which look at holistic high growth potential and ability to generate free cash and high returns on invested capital. If you wish to know more, let’s get talking.
How much Life Insurance is needed?
- Life Insurance coverage ratio = (Net worth + death benefits)/Annual Salary Life Insurance coverage ratio is the number of years arrangement is done for your family’s financial needs. Inflation is not taken into account.
- Replacement of future income of insured
- Expense Analysis
Calculate how much debt do you have by taking a comprehensive view of the total expenses you would generally incur. Total of mortgage balance, car loan, student loan, personal loan, credit card loan and any other debts that can cause a burden on your survivors. Factor in future obligations like child’s education, marriage etc. Determine your fixed outflows such as taxes, insurance premiums, loan payments, housing cost. Also remember to include variable expenses of dining out, clothing, entertainment, travel and other lifestyle expenses.
Medical Insurance
Medical expenses as well as lifestyle diseases are sky-rocketing. With over 61% of all deaths in India attributed to lifestyle or non-communicable diseases (NCDs), medical inflation seems to be going up by 15% every year. More than 1.73 million new cancer cases are likely to be recorded each year by 2020; primarily triggered by air pollution, tobacco, alcohol and diet changes. India ranks second in the list of countries with highest diabetes patients with every 12th Indian a diabetic. Every third child in Delhi has impaired lungs; with over 35 million chronic asthma patients since 2016. Air pollution causes 30 per cent of all premature deaths in the country. More than 2.7 million people in India die of heart diseases every year – 52% of them below the age of 70.
Hence, Medical or Health Insurance is a must. You can also avail taxation benefit under 80D. I can advise on a wide and diverse range of medical cover and gap cover products that will suit almost any budget. These products range from cover for basic hospitalization to full and comprehensive medical cover with consultation with doctors, medication, and other medical expenses. Keen to know more, let’s get talking!
Hence, Medical or Health Insurance is a must. You can also avail taxation benefit under 80D. I can advise on a wide and diverse range of medical cover and gap cover products that will suit almost any budget. These products range from cover for basic hospitalization to full and comprehensive medical cover with consultation with doctors, medication, and other medical expenses. Keen to know more, let’s get talking!
