Now, secure the earnings on your investments automatically.

With the automatic trigger based investment strategy, IndiaFirst Money Balance Plan allows you to not only safeguard the returns on your equity investments, but, also automate the entire process of portfolio balancing.

You are relieved of the time-consuming exercise of regularly monitoring and maintaining your investment plans. As usual, the underlying risk cover and tax benefits make the plan too good to resist...

Jatin Khanna (name changed) is a young architect in his early 30s living with his family in Hyderabad. Today, Jatin is a little upset as a sudden fall in the markets has eroded the value of his investment portfolio. Rajesh Bajaj (name changed), Jatin’s old client, visits him to discuss the interiors of his new farm house. After a long discussion on the same, they start an informal talk, where Rajesh learns about the sudden fall in Jatin’s investment portfolio due to the market correction. Here is how the conversation moves on.....

Rajesh: So, despite being a long-term equity investor choosing only blue-chips, the recent market gyrations have had an adverse impact on your portfolio?

Jatin: Yes. I am having sleepless nights thinking of ways and means of ensuring that I can earn a return higher than the prevailing rate of inflation!

Rajesh: Jatin, according to me, you have chosen the right asset class.

The mistake that was made is that you failed to track your investments regularly.

Jatin: I know… Since equity was performing well some time ago, I became complacent. At the same time, due to the better returns, my exposure to equity increased vis-à-vis debt. However, thinking that the good times would continue, I did not rebalance my asset allocation between equity and debt. In the current market scenario, not only has my equity portfolio turned into an under-performing, but, I also lost the returns that I had made earlier… If I would have maintained my earlier asset allocation, I would have been able to minimise my loss. Hence, I feel that maybe I should park my money only in debt!

Rajesh: I do not advocate your argument that you should invest all your money in fixed income. You are still young and can afford to take the risks associated with the equity markets. Over the long term, equity has been the best performer…

Jatin: So, what should I do? With equity markets being so volatile, I need to regularly monitor and balance my exposure to equity and debt 

Rajesh: You need not change the asset class for that. All you need is a good product with a good risk management feature, such as IndiaFirst Money Balance Plan.

Jatin: Why?

Rajesh: Well, the key USP of this insurance plan is the automatic trigger based investment strategy. As per this strategy, returns in excess of 10 per cent are transferred every day from equity to debt.

Through this feature, you are able to not only safeguard your equity earnings, but, also maintain an asset allocation that is not too skewed in favour of either of the asset classes.

Jatin: But, what if I want to switch additional funds?

Rajesh: The plan allows you to do so by offering you 52 free switches between equity and debt.

Jatin: Sounds great. I hope I had invested in this plan earlier.

Rajesh: Better late than never Jatin.......