Story of the Week

 

Volatality

 MR. VOLATILITY

One day Mr Volatility walked up to the swimming pool. There were many swimmers having a good time. They were singing, joking, simply playing. They were relaxed and in no hurry.

Mr Volatility walked up to one of the swimmers and mentioned, 'how's your crocodile'.

That set the cat among the pigeons and the swimmers started to rush out of the swimming pool. They seemed to be running for their lives. They all believed that a crocodile was in the pool.

In no time the pool got empty. Everybody was now a mile away from the pool.

Alas there was no crocodile.

When Mr Volatility was asked as to why he caused such a panic, he nonchalantly replied, "I was just checking with the swimmer about his 'Crocodile 'brand of swim suit".

This is exactly we have an upheaval in the stock market when volatility pays a visit because of rumour mongering.

To be a successful investor simply stick to your investment path irrespective of rumours and NEWS flows.

If the fundamentals of the economy are strong then there cannot be a better tool than SIP that not only works in a rising market but also in a volatile and a falling market.

There will always be Mr. Volatility lurking in some corner. Just ignore him and stick to your investment path. That will make you, Mr Stability.

Name: Devarajan S

Firm Name: Devarajan, Insurance Advisor

Mobile: 9840177017

Email: customerwin@gmail.com

Email: myfamilyagent@gmail.com

Website URL: http://starhealthdevarajan.com/

Young Star Insurance

 Young Star Insurance policy for people aged between 18 and 40 years to meet their specific healthcare requirements.the Policy provides customers with benefits ranging from incentive-led wellness programmes, lowest waiting periods and automatic restoration of sum insured.

The Young Star health insurance policy provides customers (aged 36 years or less) with a lifetime discount of 10% on the premium applicable if they renew their policy consistently. The policy also offers an additional basic sum insured of 25% (or up to Rs 1 lakh) on any road traffic accidents requiring in-patient hospitalization. The policy is available on an individual basis and as a family floater plan, and the sum insured options range from Rs 3 lakh to Rs 1 crore.

instalment premium options, wellness programs to manage and get incentivised on good health, low waiting periods and others. The policy also covers mental illness and any OPD or hospitalisation expenses for the Coronavirus outbreak

call 98401 77017 Devarajan to know more about it

Star Comprehensive Plan for Ur Family

 

Star Comprehensive Insurance Plan is perfect for you for a life free from worries. Check out its features and benefits:

Key Features:

• No capping on room rent - Treatment at Private Single A/C room

• Covers medical expenses incurred on Bariatric surgical procedures and its complications

• Cost of health check-up for every claim-free year

• Cover for maternity (normal and cesarean delivery) and Newborn baby

• Automatic restoration of entire Sum insured by 100%.

• Dental / ophthalmic cover on OPD basis

• Hospital cash benefit.

• AYUSH Treatment

• Buy Back PED (Optional Cover) - Reduction in the waiting period for Pre-existing disease

• Organ Donor Expenses

• Wellness Program - Discount in the renewal premium for a healthy lifestyle through wellness activity.

• Domiciliary Hospitalisation

• All daycare procedures are covered.

• Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

**Terms and conditions apply

Contact Devarajan 98401 77017

https://evaunt.me/fL2pYg/SDevarajan

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Why LIC Plans

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The Growth Story

 SIP - The Growth Story

Life is full of SIPs.

When we go jogging, swimming or gymming we are doing SIP. Regular exercises makes our body reward us and we experience growth in terms of stamina, muscles and overall health. SIP leads to growth.

SIP IN STUDIES : When we study regularly our mind rewards us by way of growth in our 'intellect'. SIP leads to growth.

SIP IN WORK : When we do our work with regularity whichever field we may be in, we experience growth. We are able to work faster and deliver not only more volumes but better value of work as well. Our work rewards us. SIP leads to growth.

SIP IN INVESTING : When we invest in Equities vide the SIP route, we experience growth in wealth over the long term. Our investment reward us. SIP leads to growth.

But when we invest in Fixed Deposits, our SIP discipline remains unrewarded. Over here the investment does not reward us.

Despite regular investing over a long period of time we don't experience growth in wealth. Typically whatever growth is seen gets nullified by inflation.

In FDs, it does not lead to growth.

In conclusion, SIP in its true sense causes an asset to grow ; be it health, be it intellect, be it performance be it wealth of equities.

Through this lens of growth, investing by way of SIP in FDs is an anomaly because the wealth does not experience growth.

Name: Devarajan S

Firm Name: Devarajan, Insurance Advisor

Mobile: 9840177017

Email: customerwin@gmail.com

Email: myfamilyagent@gmail.com

Website URL: http://starhealthdevarajan.com/

There is a price to Pay

 

Bike & Life Insurance

 

*Brakes and Life Insurance*

Once in a physics class, the teacher asked the students, *“Why do we have brakes in a car?”*

!!

Varied answers were received:

“To stop”

“To reduce speed”

“To avoid collision” etc.,

But the *best answer* was,

*“To enable you to drive faster”*

This statement is difficult to understand but it is true.

*If you have no brakes in your car then how fast will you drive your car?*

It’s *because of brakes that we can dare to accelerate, dare to go fast and reach destinations* we desire.

At various points in life, we find risks like the following.

1. *Early Death*

2. *Medical Sickness*

3. *Accidental Injury*

4. *Accidental Permanent Disability*

5. *Difficulty in Education and Marriage of Children* due to Early Death

6. *Difficulty in Survival of Spouse* Due to Early Death

Without brakes in a vehicle, you could have skid, lost direction or met with an unfortunate accident. *Brakes in a vehicle are for your safety and well-being and helping you reach your desired destinations on time.*

Similarly, Life Insurance can actually act as a brake which will Compensate for Financial Loss due to death and other difficulties mentioned above. Thus *Life Insurance would stop Death and Other Difficulties from Damaging Your and ylYour Family's Life.*

*Appreciate the “brakes” in your life.*

Use them wisely and take good care of them.

*Buy the Brakes of Life Insurance, Health Insurance, retirement planning and Accidental Insurance Today and Securely Drive the Vehicle of Your Life.*

Call 98401 77017 Devarajan for Ur needs, Services

Taxi

 

Imagine a large taxi company has 20 percent yellow cabs and 80 percent red cabs. That means the base rate for yellow taxi cabs is 20 percent and the base rate for red cabs is 80 percent

If you order a cab and want to guess its color, remember the base rates and you will make a fairly accurate prediction. But it has been seen that we tend to neglect the base rate.

One of the reasons we find ourselves ignoring the base rate is that we focus on what we expect rather than what is most likely.

For example, imagine those cabs again: If you were to see five red cabs pass by, you'd probably start to feel it's quite likely that the next one will be yellow for a change.

But no matter how many cabs of either color go by, the probability that the next cab will be red will still be around 80 percent – and if we remember the base rate we should realize this.

But instead we tend to focus on what we expect to see, a yellow cab, and so we will likely be wrong.

And this happens with Equity returns where short term focus drives us away from the base rate.

We miss out on –

1) It's cyclical but very unpredictable nature.

2) The fact that over the long term it climbs.

If one were to simply to follow this principle, then it would become easy to figure out how one must invest ; i.e to do an SIP over the long term.

But this seldom happens.

instead of understanding the base rate, we tend to focus on the recent rate.

So if recent returns have been good we start expecting good returns going forward and if recent returns have been bad we expect this trend to continue even though base rate seems to say something different.

Therefore the best steps to investing are:-

1) Recent spate of great returns could mean low returns going forward and vice versa.

2) Since timing the market is virtually impossible just keep investing regularly by following the SIP method

3) Since base rate indicates clearly that in the long term returns move upwards, have the patience to live through the ups and the downs.

Name: Devarajan S

Firm Name: Devarajan, Insurance Advisor

Mobile: 9840177017

Email: customerwin@gmail.com

Email: myfamilyagent@gmail.com

Website URL: http://starhealthdevarajan.com/