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12-10-2012, 04:49 PM
Post: #1
Comparative Analysis Between Insurance Products and Mutual Funds
Comparative Analysis Between Insurance Products and Mutual Funds


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About Insurance

India with about 200 million middle class household shows a huge untapped potential for players in the insurance industry. Indians, have always seen life insurance as a tax saving device, are now suddenly turning to the private sector that are providing them new products and variety for their choice. The Indian consumer should be ready now because the market is going to give them an array of products, different in price, features and benefits. How the customer is going to make his choice will determine the future of the industry.
The industry presented a huge opportunity.

Life insurance penetration, for instance, was at an abysmal 22% of the insurable population. However, private players have had to rise to many challenges. They were faced with attitudinal barriers towards the category and the perception that insurance was only a tax- saving tool. Insurance per se had lost it basic rationale: perception. It wasn’t surprising then that its potential lay frozen and unexploited. The challenge for private insurance players was to change the established category driver and get customers to evaluate life insurance as an investment- cum protection to

About Mutual Funds




Mutual Funds operate as collective investment vehicles (CIV) that pools resources by issuing units to investors and collectively invests those resources in a diversified portfolio comprising of stocks, bonds or money market instruments in accordance with the objectives mentioned in the offer document issued for the purpose of pooling resources. The investors share the profit or losses in proportion to their investments in the fund. The first ever Mutual Fund in India, the Unit trust of India was set up in 1964. This was followed by entry of MFs supported by public sector banks and insurance companies in 1987. The industry was opened for the private players in 1993 providing Indian investors with a broader choice. Starting with an asset base of Rs. 25 crore in 1964, the industry has grown exponentially.

The MF industry in India is governed by the SEBI, which lay norms for MF and its Asset Managing Companies (AMCs). A Mutual Fund is allowed to issue open-ended and closed-ended schemes under a common legal structure. Respective Asset Management Companies (AMC) manages mutual fund schemes. Different business groups/ financial institutions/ banks have sponsored these AMCs, either alone or in collaboration with reputed international firms. Several international funds like Alliance and Templeton are also operating independently in India. Many more international Mutual Fund giants are expected to come into Indian markets in the near future.

Market survey plays a vital role in understanding the investment pattern of the customer and the level of satisfaction. It is very important for the company to perform such activities like market research and surveys at regular intervals and accordingly further plans and policies can be formulated. By studying the investment pattern of the customers, the company can plan the strategies to capture the more market share by providing the better services and customized plans.


OBJECTIVES and SCOPES


Objective :
The primary objective was to have comparative analysis between different type of Investments scheme like Insurance and Mutual Funds .

The other objectives was to show the comparative analysis between Traditional Investments Products and Modern Investments Product

To create awareness among the customers.

To create marketing awareness of the Insurance product and mutual funds and also identify the potential for the products.

To analyze investment pattern.

The main aim is to provide a client the best solution which he needs in order to increase his wealth and saving of taxes. It’s basically to provide an Investment plan and create a portfolio of the client. It includes to deals the various financial products like life insurance, general insurance, mutual funds and gets full knowledge about all of them.

The objective thus is to have a better understanding of products (INSURANCE’s) and mutual funds offered by different companies in India so that suggestions can be made to better and increase the product line and length.

The IRDA’s latest norms are also studied and how they positively or negatively affect the insurance companies and the insured individual following traditional plans.

Reliance capital group deals with all kind of Insurance Products and Mutual Funds present in the market So, this project will help to understand the difference between the INSURANCE products and Mutual Funds and also the comparison between the traditional investment products and modern investment products.


INSURANCE

Definition:


Insurance may be defined as a contract between insurers and insured under which insurer indemnities the loss of the insured against identified perilous for the mutually agreed upon premium has been paid by the insured.

History:

The origin of insurance is very old. The time when we were not even born, man has sought some sort of protection from unpredictable calamities of the nature. The basic urge in man to secure himself against any form of risk and uncertainty led to the origin of insurance. The insurance came to India from U.K., with the establishment of Oriental Life Insurance Corporation in 1818. The life insurance company act 1912 was the first statutory body that started to regulate the life insurance business in India. By 1956 about 154 Indian, 16 foreign and 75 provident firms were been established in India. Then the central government took over these companies and as result the LIC has worked towards spreading life insurance and building a wide network across the length and the breadth of the country. After the liberalization the entrance of foreign players has added to the competition in the market.
Insurance Market in India:


With the convergence of financial products, the lines between products, the lines between products, the lines between product categories often get blurred, leaving the customers bewildered about the purpose, structure and benefits of the product he or she has purchased. The key is to understand what financial goal one would like to fulfill and then purchase of product. Each of the financial products available- bank deposit, bonds, G-sectors, life insurance, mutual funds, stocks are structured along factors like term, risk and liquidity to meet different needs.
07-01-2013, 11:09 AM
Post: #2
RE: Comparative Analysis Between Insurance Products and Mutual Funds
to get information about the topic "comparative analysis of various insurance and mutual fund products" full report ppt and related topic refer the link bellow

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Marked Categories : project on comparative study of mutual funds, comparative analysis of various insurance and mutual fund products, comparative study of insurance products mutual funds, a comparative analysis of mutual funds with life insurance ppt, analysis between mutual funds and life insurance, seminar topics for mutual funds on insurance, comparative study between mutual funds and general insurance, a project report on comparation betwwen mutual fund and insurance, comparative analysis of insurance products, comparative analysis insurance products, customer awareness about insurance and comparative analysis of different products of different companies,

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