Kotak Safe Investment Plan II is a unit linked plan that combines the benefits of insurance and capital market returns into one. This plan from the stable of Kotak Life Insurance is a true reflection of the company’s essence: innovation that will benefit the investor.

What makes investing in Kotak Safe Investment Plan II truly unique is that you enjoy a Guaranteed Maturity Value, with varying degrees of equity exposure depending on your risk appetite. So, if the market value of your units is higher, you reap the benefits with the peace of mind that whilst in a bear market your investment is under-pinned by the Guaranteed Maturity Value. And there’s more, the returns are totally tax-free*.

Please note that in this policy, the investment risk in the investment portfolio is to be borne by the policyholder. However, Kotak Life Insurance offers you a Guaranteed Maturity Value on this plan to safeguard against the downside risk of falling markets.

"Why should you invest in Kotak Safe Investment Plan II?"
Kotak Safe Investment Plan II is an ideal investment option:

• If you have never invested in the equity markets, for the fear of loss of capital. With Kotak Safe investment Plan II, you need not worry about losing your capital as you have the downside risk protected by way of the Guaranteed Maturity Value.
• If you have been an investor in debt markets, you could switch a portion of your funds to equity markets via Kotak Safe Investment Plan II. The plan offers you the potential to earn higher returns with the safety net of a Guaranteed Maturity Value.
• If you are an aggressive investor in equities, you could protect the downside risk in a bear market by investing a portion of your funds in the Kotak Safe Investment Plan II. What you are essentially doing is that while you enjoy equity returns, your money is protected from abysmal lows and market vagaries by way of a Guaranteed Maturity Value.

 

India Inc's investment plans go past the US$ 243 billion figure

New Delhi: Maintaining equanimity amid fears of a global slowdown, the Indian economy is witnessing a fusillade of investments with five states, notably Maharashtra, Andhra Pradesh, Orissa, West Bengal and Rajasthan, counting as top preferred investment destinations by private players, an ASSOCHAM report said.

The capacity expansion plans announced by Indian corporates were worth US$ 243 billion in the first six months of the current calendar year, as against US$ 131.32 billion between July-December 2007 according to a report on state-wise investments.

Topping the chart is Maharashtra with investment commitments worth US$ 27.76 billion in sectors like power, real estate, automobiles, ports and shipping, Assocham President, Sajjan Jindal, said. While the announcement by Tata Power for investment of US$ 5.77 billion to raise power generation capacity to 12,861 MW for the next five years was one of the investment highlights, Reliance Industries announced its plan for setting up a semi conductor plant and other micro-technology units with investments worth US$ 5.01 billion crore for the next 10 years.

Andhra Pradesh saw the second highest investment announcements with investment proposals by major industry groups like Reliance Industries, Hindujas Group, Videocon Industries Ltd and GAIL India taking it to a neat US$ 24.57 billion figure. Overall, the state received a share of 10.11 per cent of the total planned investments.

National Aluminum Cooperation (NALCO) made the third largest announcement in Orissa worth US$ 3.23 billion towards a greenfield aluminum and captive power plant. The State of West Bengal also saw big ticket announcements worth US$ 19.26 billion for steel, manufacturing and hospitality sector.

A total of 24 states were tracked by the Chamber Research Bureau. Apart from these investment plans, expenditures worth US$ 15.73 billion are in the offing for sectors including steel, cement, hospitality and telecom.

A Success Guide to Stock Market

Many people do not investment in stocks, because they consider them too risky. The success of any kind is risky. Starting your own business or investing in property is risky if you do not know what you do. 

Most people today, for safety and road safety to put their money in savings accounts or bonds. If this sounds like you, you're missing a golden opportunity tomorrow to have more money than you have today. 

There are no rules or pat formulas to guide you in choosing stocks. Bells will not ring when you pick the right stock, and you'll never be sure that much research will be profitable selection. You'll have to work hard to find opportunities missed by the masses of people. 

Yet there are many things you can do to increase your chances of making a good choice. Before you invest in a stock, you must invest in what you understand, do your homework and take advantage of what you know about companies or industries. 

It is important to research you believe that companies have a potential. For example, if you're interested in Walgreen Company, a drugstore chain in the country, you want to visit several stores. Look around the products they carry and the services they provide. 

The same applies if you are interested in purchasing stock of Dave & Buster's, a chain of restaurants. Visit one in your area and dinner. Then go to another city and another visit Dave & Buster's and dinner as well. Take the advice of everyone, not just how the meal, but also how the service is and how it works. 

This type of person, basic research is easy for anyone to do it, you do not need special powers to see how fast is a store sale or if it offers something new in the way of products or services. During your visit, ask an important question, "Which of your competitors do you respect the most. 

You do not have to meet with business leaders to get the scoop on the industry. If you are already in the industry, you have a Catbird's seat. This includes producers, suppliers, wholesalers, retailers, and anyone else connected. 

For example, those in the oil industry, such as oil refineries, tank salesmen, owners of gas stations, or equipment suppliers, can come see the changes and benefit from it. They also know what the industry is moving and what the most important factors to monitor are. 

Once you have chosen stocks do you consider worthy of the purchase or maintenance, it will be all you can do to stay with them if there is bad news around you. One of the cornerstones of the success of the investment in shares is: Never be afraid to own. Never sell shares as so-called experts in the media say that the sky is falling. You should only sell that company fundamentals are deteriorating.