Investment insurance

Investment insurance plans cater to various risk levels, offering low-risk savings protection, medium-risk balanced growth, and high-risk potential for higher market-linked gains.

Could AI Investment Advisors Replace Human Financial Planners?

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.

Investment

How to Make Your Investment Plan Inflation-Proof?

Inflation represents the sustained increase in the price level of goods and services. A moderate price hike or inflation is a good sign representing a healthy economy, while consistently high inflation is a matter of concern for investors. As per the Reserve Bank of India (RBI), the average retail inflation was around 5.6% in the financial year 2023-24, which was brought down to 4.6% in the FY 2024-25 with some key monetary measures. However, the inflation rate has been hovering around 4.5% to 7% in the last few years. But, how does it impact your wealth? Inflation is often interpreted as a silent killer of wealth that reduces purchasing power over time. Take the case of 40-year-old Ashok, a software engineer who had been saving diligently for his retirement and his children’s education. He believed he was financially secure with a significant corpus accumulated for the future until he realised the price hike of everyday goods ( example: fuel, groceries, etc.) is rising faster than his portfolio return. His portfolio, which is growing at an average rate of 6% is effectively shrinking against the inflation rate of 5% to 7%. Hence, inflation-proof investment strategies are needed to grow and preserve your wealth.

Investment

The Psychology of Investing – Why People Fear Long-Term Plans

Ranjitha Sahu, a 34-year-old self-employed content creator, lives in Delhi. Ever since she started earning, she has been investing and saving religiously. However, usually the tenure of her investment plans is short, a few months at max! Like many others, Ranjitha fears the idea of long-term investments. Talking to her husband, she often says, “What if I need that money or what if the market crashes or what if I don't live long enough to enjoy returns?” One day, her husband, Pritam, finally sat her down and explained the importance of long-term investment plans. He also gave her some helpful tips to overcome these fears for more practical investments in the future. It took some time, but Ranjitha did start to understand that investing for the long term is more about human psychology and that her long-term investment habits are actually benefiting her in multiple ways. Let's discuss some of the tips given by Pritam Sahu in this guide!

Investment

The Rise of Micro-Investment Platforms in India

Raha Lamba, a 24-year-old budding fashion designer living in Kolkata, always thought investing was a faraway dream for her. Between the expenses like her hostel rent, coffee breaks, and tuition, she could hardly save anything, leaving her feeling like saving was impossible for her. A few months back, Raha made a new friend, Diya, who told her about micro-investing. She suggested that with such investment plans, Raha can start with even ₹500, that too on her phone. Raha first laughed at that, but when Diya explained, she got the idea. Over six months, with the power of small, consistent micro-investments, Raha could turn her small chunks into a few thousand. This felt like an achievement for her, where she wasn't simply spending but growing her money. Similar to Raha, people who once thought investing was for the rich are now able to engage in the finance world, thanks to the rise of micro-investment platforms. Continue reading to learn more about these, their features, benefits, and much more.

Investment

Why More Women Are Choosing ULIPs Over Traditional Plans

Sunaina Sahi, a 33-year-old marketing expert living in Agra, wants to build her financial independence. At the same time, she's also looking to secure the financial future of her child. She's overwhelmed with choices: are traditional savings plans enough for her? Or should I choose something growth-oriented? The recent data offers some direction: - 18% of total investments in ULIPs are held by women as of February 2025. - Women between 31 to 45 years of age are leading investments in ULIPs. The data and the recent choices highlight a clear trend: women are moving beyond conventional choices. They are actively looking for investment plans that offer them protection plus wealth creation opportunities. ULIPs, with their dual benefit of insurance and investment, can help meet these demands better. Read on to understand why more and more women are inclining towards ULIP investments, their features, benefits, and much more.

Investment

“Goal-Based Investing” – Why It Works Better Than Random Saving?

Druv and Payal, a Mumbai-based couple working in an MNC, have been diligently saving to buy their dream home in Mumbai. They have been setting aside their money in recurring deposits and fixed deposits to build a corpus for a down payment. However, when the time came, their corpus was not enough to make even 10% of the down payment. This is when they realised their random saving lacked a specific target, a structure and more importantly, a purpose. Savings are crucial, but investing money with a clear goal is even more important to grow your savings in alignment with the milestones of your life. Be it buying a home, a dream vacation, children’s education or building a retirement corpus, a goal-based investing approach is vital for wealth creation in a structured manner.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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