Typing in the dark is tough. Despite the wild weather, there has been a lot of activity out on the trail these past few weeks. We've got 5 new drivers who are just workin' their way out of the chute, and possibly 6. Seems we have a shadow rider, or Stealth Driver, who has left signs in the cattle drive forum, but has yet to post her actual position in the assignment log.
Insurance companies offer an array of funds out of which one can choose, based on their investment objectives, time horizon, and risk profile. Each fund has a different element of risk and consequently offers different returns.
Common types of funds available with their risk characteristics are given below: They are sometimes referred to as Money Market Funds.
Cash funds come under the low-risk category and invest in cash, bank deposits and money market instruments that have the lower risk. Income, Fixed Interest and Bond Funds: These figure in the medium risk category and invest in debt instruments like government securities, corporate bonds and other low-risk fixed income instruments.
While the returns are lower in comparison to equity, the risk is low as well.
The returns from these funds are slightly higher than cash funds. Balanced or Hybrid Funds: They combine equity investment with fixed interest instruments and are of medium risk in nature. These hybrid funds give adequate exposure to stock markets as well as debt instruments. The risk inherent in equity is counterbalanced by the safer investments in debt.
These ULIP funds fall in the medium to the high-risk category as they primarily invest in company stocks with the objective of capital appreciation. Since these funds invest in the stock markets, the fund performance is in line with the highs and lows due to volatility in the stock market.
Though ULIP NAV is now more understood on a per unit basis, in the strict financial sense, it refers to the net value of the assets of the firm. Like mutual funds, ULIP policyholders are also allotted units. Each unit has a net asset value NAV that is determined and declared every day.
It is the value on which net rate of returns on ULIPs are determined. Equity funds offer higher returns and are appropriate for aggressive investors willing to take high risks.
On the other hand, debt funds are less risky and consequently offer lower returns. Therefore, a ULIP plan serves all types of investors — from the risk-averse investor to an investor having a strong appetite for risk.
People looking for an avenue for investment along with insurance will find ULIPs a good choice as one stands to gain from superior market returns in addition to having an insurance cover.
To get the best returns from ULIPs, one should invest in medium to lifelong investment horizons. In any case, they come with a compulsory lock-in period of 5 years. Moreover, with the flexibility of switching between debt, equity and balanced funds with varying risk-return profiles, hands-on informed investors will find ULIPs the best investment plan as they can keep close tabs on their investment and make changes based on how the market is performing.
The fact that these ULIP plans offer insurance cover also is an added bonus. Investors across Different Life Stages ULIP plans are ideal for all kinds of investors at different stages in life as there are ULIP plans available depending on individual requirements and situations.SAN DIEGO, Nov.
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Unit 5. Exercise 1. Security Learning Objectives and Outcomes Assignment Requirements Respond to the following email: -FROM: Manager TO: Systems Admin We are opening a new branch office with 25 workstations running .
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Ft. condo/townhome/row home/co-op at 1 Scenic Dr Unit , Highlands, NJ on sale now for $, Derrick Sumter NT Unit 5. Exercise 1. Security Re: Manager In response to your questions regarding if Windows 7 includes protection against some internet threats.
Windows 7 comes with Microsoft Security Essentials which helps defend against viruses, trojans, worms and spyware.
Windows Defender runs in the background and notifies you when you need to take specific action. Unit 5 Exercise - Download as Word Doc .doc), PDF File .pdf), Text File .txt) or read online. Scribd es red social de lectura y publicación más importante del mundo.