Rupee Cost Averaging is an effective market timer mechanism that removes the need to time the market. All one has to do, is to invest a fixed, pre-decided amount of money on a regular basis over a long period of time. With rupee cost averaging, you do not have to worry about what will be the value of your units the next day/ year or what will be the level of interest rates next quarter. It helps smoothen out the market ups and downs and reduces the risk of market fluctuation. Please note however, returns in ULIPs are market linked and not guaranteed.

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Life insurance is a long term product that provides you the benefit of compounding while ensuring that your loved ones are taken care of. Compounding helps you accumulate wealth better. It refers to the re-investment of income (plus interest) at the same rate of return, year upon year. Benefit from compounding mainly arises from the fact that the income keeps growing the principal to generate higher returns each year. Life insurance in a way, forces you into a steady habit of savings (systematic saving) better than other financial products do.

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An important feature of ULIPs is that it allows you to control your investment. You can decide the amount to be invested across different asset classes. The return you get in ULIPs are not guaranteed but benchmarked to market returns. Depending on debt or equity or a mix of both you may choose as your fund options - your returns may vary between 6-10% on a long term basis. You should note these are indicative and not assured returns. The actual returns depend on market conditions and you may check the benefit illustration for estimated returns.

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Liability for your employees' gratuity or leave encashment is often the trickiest thing to forecast accurately and manage well. While doing so you may come across some important questions: What is my true employee liability? Am I maximizing my important tax benefit? Are my assets professionally managed? Our IndiaFirst Employee Benefits Plan helps you invest the funds set aside to cover your employee liabilities such as Gratuity and Leave Encashment into market linked investments ensuring that your employees receive the benefits they deserve.

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A ULIP is a life insurance plan, which offers the dual benefits of protection as well as savings. The protection component is the insurance cover while the savings component is that portion of the premium that is invested by the insurance company on your behalf in a fund/(s) of your choice. The first one is called Death Benefit and the second one, Maturity Benefit. At present, we provide you the IndiaFirst Smart Save Plan and the IndiaFirst Young India Plan to help you fulfill your dreams while ensuring the financial security of your loved ones.

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