Invest for growth, along with protection
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Low-risk investment plans include capital guarantee plans for principal protection and modest returns, savings plans with insurance benefits, fixed deposits for guaranteed returns.
Medium-risk options like MIPs, hybrid-debt funds, arbitrage funds, and ETFs offer balanced growth and steady returns, blending equity and debt to minimize volatility—ideal for consistent income and moderate risk.
High-risk investments like ULIPs, mutual funds, stocks, IPOs, and cryptocurrencies offer potential high returns but come with significant volatility. Investors should assess their risk tolerance before investing.
Building a significant retirement corpus is a long-term goal that requires early planning. Many people realise this in their 30s and 40s, specifically when it comes to a common discussion among peers and friends. The first crucial question that comes to mind is which is the best retirement planning option – Investment plans (ULIPs, endowment plans) or pension plan? With a changing lifestyle, rising average life expectancy, and inflation, choosing the right retirement plan has become extremely crucial for a stress-free golden years. Investment plans offered by the life insurance companies and the pension plans are designed for long-term wealth building, specifically to achieve financial freedom post-retirement. However, both plans are unique in their own way. Let us explore the benefits and features of both plans, the risk involved and the difference between the two.
In a world grappling with climate change, sustainability is no longer a fringe idea; it's fast becoming the center piece of smart investing. Among the many tools gaining traction, green bonds stand out as one of the most promising, purpose-driven avenues. And when you combine this emerging asset class with goal-based investing and robust support from trusted players like Jio Insurance Broking, you get a powerful recipe for building both wealth and impact.
You’re in your 20s: maybe just landed your first job, juggling rent, social life, and occasional weekend getaways. Retirement might feel like a distant concept something your grandparents talk about, not something you plan for now. But here’s a truth many overlook: the earlier you begin planning for retirement, the smoother (and more abundant) your golden years can be. Let’s explore why starting retirement planning in your 20s is not only wise, but transformative and how Jio Insurance Broking can be your dependable partner on that journey.
Rohan Talwar is a 33-year-old corporate employee from Mumbai. Recently, he started his subscription to an AI-powered investment app, and he was very excited. AI processed millions of data points in the blink of an eye, and the charges were a fraction of traditional costs. He quickly had a personalised investment portfolio. Everything was going fine until the market turned. When Rohan opened the app, the dashboard seemed flooded with charts, graphs, and data. In his moment of anxiety, he couldn't find any certainty or assurance. That's when Rohan called his old finance advisor, Meera Rao. The first thing she told Rohan was, “Relax, Rohan. There’s no need to panic. It’ll be alright!” and probably that’s what Rohan was looking for. She didn't just give him reassurance and the needed financial advice, but also asked about his family and mental health. She advised him on small changes he could make in his portfolio to ease his worries. It reminded him of how important emotional intelligence and human support are. He realised something fundamental: artificial intelligence can calculate, but it cannot console. While it may predict probabilities, it can not perceive emotions. Rhon’s story is a key realisation of the core difference between artificial intelligence and human essence.
The growth story of India is powerful. We now have developed healthcare, better infrastructure, including roads, skyscrapers, and much more. But all this growth often comes with a painful paradox. The cities rise and infrastructure develops, however, this development comes at a cost, a social and environmental cost. This gives birth to a dilemma for investors and insurers: whether chasing financial returns is important or whether we also need to safeguard the planet. Here comes green investing. With global concerns like climate change, ethical standards, green investing and its instruments like ESG funds are becoming more relevant with each passing day. These come with assurance of delivering both profits plus the purpose. Continue reading to learn more about the rise of green investing, ESG funds, the benefits of investing in these funds, and much more.
Financial markets always seemed like a far-off world for many, especially for those for whom a major part of their salary goes into monthly expenses like rent, bills and groceries. Many people in India stayed away from investing in equities and mutual funds that are designed for long-term goals, as they felt it is out of their reach and only meant for urban elites. Take the case of a young professional Joseph who has just started his career in Mumbai. His salary barely covers the rent, bills and groceries, leaving him with only a few hundred to save. Saving meaningfully always felt like a difficult task until he came across the option of micro-SIPs. Let us assume he came across an app while scrolling through, where he got to know about micro SIPs that allow him to invest as low as INR. 100 monthly into mutual funds. Isn’t that an amazing option for many young professionals and gig workers? Let us understand more about micro-SIPs, how they are gaining popularity, and what role they play in financial inclusion and wealth building.
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Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
(9.30 AM - 6.30 PM, Monday to Friday)
U67200MH2006PLC165651
1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051
Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.
Insurance is a subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.
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