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All About Investment Planning

Bajaj Allianz Investments Guide

Investment Plans for Your Future

The right investment plan could help you achieve your financial goals and objectives. For different stages of life, you require funds. You need a large corpus to meet different life goals like marriage, buying a house, child’s education, your own retirement and so on. The right investment plan could help you achieve those financial goals. Here’s a simple guide to understand how an investment plan could help you create a corpus to fulfil your life goals.

Know How to Strike Balance between Spending and Savings | Bajaj Allianz Life

Know How to Strike Balance between Spending and Savings

Achieving financial freedom needs you to manage money effectively and efficiently and implement your financial plan. Money management skills cannot be learned overnight. Effective money management is a practice that helps you attain financial stability at any point in your life.

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Is the Surrender Value of Endowment Life Insurance Plans Taxable | Bajaj Allianz Life

Is the Surrender Value of Endowment Life Insurance Plans Taxable?

Indians prefer to have peace of mind knowing that they have financial protection when a health related emergency occurs, or in the event of certain unfortunate circumstances.

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5 Financial Mistakes to Forgo This Dussehra

5 Financial Mistakes to Forgo This Dussehra

Managing your finances and doing it correctly takes a lot of practice and knowhow. During your financial journey, you might make mistakes, knowingly or unknowingly.

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What Happens When An Endowment Policy Matures | Bajaj Allianz Life

What Happens When An Endowment Policy Matures?

If you’re looking for a plan that combines the benefits of an insurance cover with a savings component, then you should definitely look into endowment policies. While the lump sum payment from such plans helps secure your financial future, the life cover aspect helps create a protective bubble for your loved ones.

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Eligibility Criterion For Taking Loan against An Endowment Policy | Bajaj Allianz Life

What Is The Eligibility Criterion For Taking A Loan Against An Endowment Policy?

An endowment plan is a life insurance plan that is in the form of a contract which is designed to pay out a lump sum when the term of the policy reaches maturity. This also includes survival benefit, and the pay-out is given to the policyholder. Furthermore, the endowment policy gives certain beneficiaries, mentioned in the policy, a death benefit payout on the unforeseen demise of the holder of the policy. Endowment plans are for individuals who require risk-free financial products. These are also famous for providing individuals with many benefits.

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Should You Buy Endowment Plans Online or Offline?

Should You Buy Endowment Plans Online or Offline?

These days, most purchases are done online, as the ease and convenience of these is evident. From buying groceries to paying utility bills and other transactions, the online mode is the way to go. In the same way, financial products like instruments for investment and insurance are also compared and bought online. One of the products of life insurance today that you can buy online is an endowment policy. However, there are some folks that still adhere to the traditional route and wish to avail such products offline. So, if you are opting for any plan, which mode should you go for?

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How Can Endowment Plans Help Women Achieve Their Goals | Bajaj Allianz Life

How Can Endowment Plans Help Women Achieve Their Goals?

With expanding opportunities for women across sectors, their participation in the workforce has steadily risen over the last few decades. The modern Indian working woman is independent, empowered and driven. She has her life goals clearly chartered and works relentlessly to achieve them.

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What Riders Are Suitable with An Endowment Policy? | Bajaj Allianz Life

What Riders Are Suitable with An Endowment Policy?

Endowment plans are one of the popular ways to create wealth in current times. This is because an endowment policy offers those who opt for it a mix of saving money and obtaining insurance in a single plan. These are the two main kinds of financial security that several people seek, and endowment plans may help them fulfil these requirements. An endowment plan operates by providing the insured with life insurance coverage as well as a means to invest funds. Under such plans, a nominee named in the policy receives a death benefit in the event of the unforeseen demise of the policyholder during the policy’s term. In case the insured survives the tenure of the policy, a benefit is given to the policyholder upon the maturity of the policy, provided all due premiums are paid.

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5 Benefits of Purchasing an Endowment Policy | Bajaj Allianz Life

Five Benefits of Purchasing an Endowment Policy

Whether you wish to secure the financial future of your dependents, ensure your own financial stability, or save to meet your future life goals, a Traditional endowment plan is a suitable investment-cum-insurance option available in the market. While the savings and investment aspect of such plans help you build a corpus for the future, their death benefit makes them suitable insurance option. While you can opt for these long-term savings plans at a later age also, buying them at an early age will help you build a sizable corpus for the future. Let’s have a look at some of the benefits of a Traditional endowment policy:

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Who Needs a Traditional Endowment Plan? | Bajaj Allianz Life

Who Needs a Traditional Endowment Plan?

When browsing through life insurance plans, you must have often wondered if there’s any insurance product that combines the benefits of an insurance policy with savings opportunities. Well, Traditional endowment plans do just that. Traditional Endowment policies are insurance-cum-investment plans that offer you a life cover as well as an opportunity to save for the future.

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What are the Types of Endowment Plans | Bajaj Allianz Life

What are the Types of Endowment Plans?

You will need a sizable corpus of funds to secure the financial well-being of your family members or achieve long-term life goals like buying your dream home or sending your children to the best international universities. Endowment plans are popular dual benefit policies that offer you a life cover as well as a long-term savings opportunity. They help you develop a savings habit to build a fund reserve for the future and ensure a death benefit payout for your dependents if anything untoward happens to you during the policy tenure.

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What makes Endowment Plans the Preferred Savings Tool | Bajaj Allianz Life

What makes Endowment Plans the Preferred Savings Tool?

In every aspect of life, today, individuals are faced with uncertainty, and this is mainly related to finances. The crux of the matter always has to do with financial security, as you require money to meet any emergency. Whether you are coping with growing inflation rates, high costs of living, job cuts, or medical emergencies, financial security should be your priority. If you have a family, you must show responsibility for your family’s financial protection so that you and your loved ones remain secured from the unpredictability’s of life. An endowment plan could be one of the solution to your financial problems.

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Endowment Plan for Your Retirement Planning | Bajaj Allianz Life

Why You May Consider Choosing an Endowment Plan for Your Retirement planning?

Like any milestone in life, retirements are also best planned for with care. Knowing that this period is one where you want to kick back and enjoy the fruits of your effort makes financial planning more important. One of the preferred ways to make your retirement planning smooth is an endowment plan. This type of retirement plan makes for a suitable addition to your portfolio because it can help you live life to the fullest at a time when you know you do not want finances holding you back.

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How to Secure Your Child’s Financial Future As An NRI?

How Can You Secure Your Child’s Financial Future As An NRI?

Financial planning as a non-resident Indian is tricky to navigate as NRIs are subject to different taxation norms and must invest accordingly. When you add the fact that the future of your children is at stake, it can almost feel intimidating. Whether it be better income, more opportunities for your career, or just your preference that led you to move abroad as an NRI, you might still decide to return to India post-retirement. However, it is likely that your children might not make this decision for themselves. So, if you’re looking to secure your children’s financial future as an NRI, here’s the blueprint that may be considered for your financial plan.

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Insurance cum Investment Plans to achieve your life goals

Insurance cum Investment Plans that could help you achieve your life goals

Savings and investing are critical actions that may assist you in achieving financial independence. Saving money takes a lot of discipline, but those who do it on a regular basis are rewarded in the long term. In this post, we will learn about insurance cum investment plans, which will make your life easier and more enjoyable. Financial experts love to tout that investments are the building block, having potential of creating market-linked wealth. If you want to generate more money, you may invest your money.

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3 Goals Where Endowment Policy Fits Well

3 Goals Where Endowment Policy Fits Well

In India, you may find multiple types of life insurance policies, each satisfying a different set of needs and requirements. One of the popular types of life insurance plan is an endowment policy.

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Easy Method to Get an Affordable Investment Plan in India

A Quick and Easy Method to Get an Affordable Investment Plan in India

Saving money from your paycheck may not be enough to cover important needs such as wedding costs, child's higher education or retirement preparation. Investing money correctly, on the other hand, is critical to building long-term wealth. It's never too late to begin investing in order to achieve your long-term financial goals.

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Planning to Buy an Endowment Plan? Here’s What You Should Consider

Planning to Buy an Endowment Plan? Here’s What You Should Consider

Life insurance plans are essential financial products that you must have in your investment portfolio. Fundamentally, they offer a life cover. This means that in case of your unfortunate, untimely demise, your dependents and loved ones will not be left financially unprotected. The life cover includes death benefits, which the insurance provider will pay out to your nominee.

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How to Achieve Financial Freedom – Top 6 Ways

Top 6 Ways on How to Achieve Financial Freedom

If there’s one thing that almost all individuals want to achieve in their life, it is financial freedom. However, despite this, it continues to remain one of the most underrated goals in life. If you’re an individual who wants to know just how to achieve financial freedom, this article can help give you some clarity.

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What is the Difference between a Savings Plan and Investment Plan

What is the Difference between a Saving and Investment Plan?

The practise of putting money away for a specific purpose is known as saving. When you spend all of your money, you will have nothing to fall back on in times of need. Sure, you want to enjoy yourself, but fending for yourself every day is not something you want to do for the rest of your life.

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Tips to Effectively Save for your Future Life Goals

How to Save for your Life Goals?

If you’ve always wanted to save more but have been unable to do so for various reasons, chances are that you’ve been approaching it in a less than ideal manner. Here are some tips that you can include in your day-to-day life that can completely transform your finances for the better. But before we take a look at the tips, let’s quickly take a look at why saving is important.

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5 Tips to Choose an Insurance cum Savings Plan

5 Tips to Choose an Insurance cum Savings Plan

Many individuals view life insurance plans only as a form of financial protection for their family. While that is true, a life insurance plan can offer more than just protection. Intriguing, isn’t it? Continue reading to find out how to invest money through a savings plan.

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Tax saving options for salaried employees

Tax Saving Options For Salaried Employees

If you are just joining the workforce, tax planning is essential when it comes to reducing your tax liability. For salaried individuals, knowing how to invest money in one’s twenties and thirties can be the difference between financial prosperity and hardship in one’s retirement age. There are a slew of tax saving investments in the market currently. For salaried people, knowing where to put their money can help reduce their tax liability by the end of the financial year. Here are a few tax saving investments to consider putting your money in.

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How to manage personal finances during COVID-19

How To Manage Your Personal Finances During COVID-19

As the pandemic of COVID-19 spreads across the world, it causes an inevitable impact on various facets of our lives. The nature of the pandemic can make people concerned about their physical health. Meanwhile, as market conditions are affected, it is natural to feel somewhat restless about your financial health as well.

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How to invest money during COVID-19

How To Invest Money During The COVID-19 Pandemic

No matter their financial goals or background, every investor is advised to incorporate at least a few long-term investments in their portfolio. With the power of compounding, these long-term investment plans in India have been relied upon to help save taxes and yield favourable returns over time. However, with the current pandemic making a substantial impact on the market, there is widespread panic among investors of all kinds.

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Monthly investment plans

Monthly Investment Plans

Volatility in the financial markets during the past few months has unnerved scores of investors. Global benchmark indices plunged in the bear market territory in record time. Making sense of the market could not be tougher and as far as finding an entry and exit point is concerned, it has proved to be an uphill task even for veteran investors.

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5 investment tips for working women

5 Investment Tips For Working Women

The participation of women in the workforce has risen substantially in the last few decades. Men are no more the only breadwinners in the family. From finance to management, to sales, women have excelled in all types of jobs. However, just having a stable source of income is no guarantee of a stable financial future. Investing surplus money into a mix portfolio is as important as earning well so that you can achieve your Life Goals.

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COVID-19 investment plans

Don’t Let COVID-19 Derail Your Long-Term Investment Plans

With increasing financial awareness in the country, financial products have gained wider acceptability. There are various types of investment. Some investments are made with a short-term objective with the maximum investment tenure of five years. Short-term investments are relatively liquid and can be easily converted into cash. However, short-term investments may not generate returns sufficient to achieve life goals, which requires substantial capital accumulation. Wealth can be accumulated only by staying invested for the long term.

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Investment options

Investment Plans In India For FY 20-21

You earn and spend your income month after month, but the secret to securing your future and ensuring that you meet your life goals lies in investing. Life goals can vary from one person to the next. For some people, it may involve purchasing or constructing a new home. For others, life goals could involve giving their children the best possible education. Yet other people may have life goals that focus on planning well for retirement.

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Endowment life insurance plan

Endowment Policy – Life Insurance Plan With Stable Returns

Every year lakhs of people die in road accidents in India. As per recent data, over 1.5 lakh to be precise[1]. Life insurance is essential to guard against such unforeseen circumstances. Keeping an insurance policy active requires you to pay the premiums on time. But you also have other goals for which you need to set aside a portion of the monthly income as savings. How do you balance between savings and insurance? One option you may consider is to invest in an endowment plan.

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Do long term investment options provide better returns

Do Long Term Investments Provide Better Returns?

Investments are an essential part of financial planning. With the prices of everyday goods and essential services steadily increasing, merely saving your income won’t be sufficient anymore. What you really need to focus on is investing your money, so it can grow exponentially over the long term. Now, if you’re planning to invest in any one or more of the many financial investment products available to Indian investors, it becomes important to choose between short-term and long-term investment options that suits your needs.

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 Savings and investment plans difference

Difference Between Savings And Investment Plans

Indians are known to be good savers. The habit to keep aside a part of the income is inculcated from childhood. Children across age groups save coins in piggy banks to utilise at a later date. But as one grows up, just putting aside currency notes and coins are not enough. How the accumulated money is used determines the long-term financial stability of the individual.

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 Life insurance investment

5 Reasons To Make A Life Insurance Investment

Humans spend their entire lives accumulating and securing material possessions. An expensive phone or a priceless watch is given more attention than health. But the slightest of impact on the health of a bread-earning member can throw the whole family into turmoil. Some people take their health seriously, but living a healthy life is half the work. How do you protect your family against unforeseen circumstances? Even a healthy body and mind cannot guarantee protection from unfortunate incidents. A life insurance investment plan in such cases can help in providing long-term financial stability to your family.

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Where to invest money

Where To Invest Money In India

First-time investors are often faced with the question of where to invest money in India. With the country’s financial markets teeming with several types of investments, it can be overwhelming to choose an instrument that suits your requirements and risk appetite. Some of these options even qualify as tax-saving investments, meaning that they can help you reduce your tax liability as an added advantage.

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Tax saving investment plans in India

Tax Saving Investments – 3 Ways Insurance Can Help You Save Tax

The life insurance industry in the country has seen a steady growth over 6 years from 2012 to 2018, and the premium from new life insurance business reached Rs. 2.15 trillion, an increase of 10.73 percent year-on-year in FY19[1].

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Online investment plans in India

Online Investment Plans – Benefits And How To Get Started

Investing your money in the right instruments is pivotal to achieving your financial goals. If you’re salaried or self-employed professionals, you probably have a tendency to save up a part of your earnings each month. And while it’s a good thing to save a portion of your income, it’s a smarter strategy to invest it. This is because money that is invested prudently can help you make more money. This, in turn, allows you to achieve your long-term financial goals sooner.

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Goal based investing

Goal Based Investing - How to Get Your Strategy Right

Goals give us direction, vision, motivation and clarity. To achieve success, we must first set goals or life would be similar to riding a directionless boat. Just as in other aspects of our life, it’s important to set goals in our financial life.

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Long term investment plans

Long term investment plans - What Are Their Benefits?

We cannot ignore or deny the power of long term investing. The principles of long term investment are in tune with the simple virtues of life such as patience and perseverance that always bear fruits. Historical data of the stock market proves that equities offer the best opportunity for wealth creation in the long-term. Returns from equity-based investment options such as unit linked insurance plans (ULIPs) have also shown how long term investment plans help generate wealth.

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Power of compounding math explained

What is Power of Compounding and How it enhances your Investments

Certain life goals like traveling the world, having a dream wedding, sending the kids abroad for higher education, etc. are very close to our hearts. These goals require careful financial planning. In this scenario, the power of compounding is beneficial. Compounding is an excellent way to ensure a substantial amount to fund your Life Goals. It is a catalyst for generating a considerable corpus over the long term so you can get your Life Goals Done.

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3 Major Types Of Insurance Plans

3 Major Types Of Insurance Plans

From the time you start earning, the chances of accumulating funds are higher. However, the savings habit inculcated in Indians overlooks the benefits of investment plan

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 What Is Return On Investment?

What Is Return On Investment?

Planning Life Goals has become an important aspect for every investor today. It is important for one to realise their life goals and plan for them accordingly.

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Got Your Salary Hike? Know Where to Invest Money

Got Your Salary Hike? Know Where to Invest Money

Appraisal season has come to an end and it is most likely that by now you have got your salary hike and performance bonus. While you might be tempted to splurge the additional cash, judicious use of the surplus income can

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How Life Insurance Goes Beyond Income Replacement

How Life Insurance Goes Beyond Income Replacement

Most of us buy life insurance to financially protect our family in the event of loss of income of the earning member, and to fulfil our family's life goals. Generally, the investments made for achieving these life goals are long-term in nature

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Investing for the first time? here are some tips to help you make the right investment

Investing for the first time? here are some tips to help you make the right investment

If you are investing for the first time, the chances are that you will be bombarded with advice and tips from your friends and relatives, or you might be confused by never-ending instructions from financial publications.

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Avail Systematic Investment Plans for a more stable financial future

Avail Systematic Investment Plans for a more stable financial future

We all have various financial obligations like daily needs, school fees, and short trip with family or buying a fancy gadget where we require onetime payment for which money can be relatively collected easily.

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4 ways to invest your annual bonus

4 Ways You Can Spend Your Annual Bonus - Know How To Invest Money

For most of the salaried professionals, this time of the year brings in much joy and a sense of achievement. You get your annual bonus besides your usual monthly salary - just like the icing on top of a cake..

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Monday to Friday - 9:00 AM to 3:30 PM

Saturday - 9:00 AM to 1:00 PM

Customer Care Helpline:

1800-209-7272

Monday to Sunday: 9:00 AM to 7:00 PM (IST)

NRI Services Helpline

24/7 (All week days)

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91-20-35125850 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

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~Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility.

The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.