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Smart Money Glossary Pure risk or Term Life Insurance Policy: An Insurance Policy where the entirepremium goes towards insurance (coverage of life risk). Endowment Life Insurance Policy: An Insurance Policy where the balance ofthe premium after providing for life risk cover is invested to create a fund (endowment)and repaid with or without profit (depending on terms of the policy) after the periodof insurance. Whole Life Insurance Policy: An Insurance Policy where the insured amountwith accumulated funds is paid to the heir of the person insured. Unit Linked Insurance Plan (ULIP): An Insurance Policy which combines the benefitof Insurance and Mutual fund. It is like an endowment policy where the investmentis made in mutual funds. Pension Plan: An investment plan, usually offered by insurance companies, underwhich the premiums paid by the investor are utilized to create a fund from whichregular payments are made in form of pension after completion of the term. Public Provident Fund (PPF):• A long term savings scheme with a maturity of 15 years and interest payableat 8% per annum compounded annually.• A PPF account can be opened through a designated bank/ Post Office anytimeduring the year and is open all through the year for depositing money.• Income tax benefit, by way of deduction from taxable income, can be availed forthe amount invested and the interest accrued is tax-free.• A withdrawal is permitted every year from the seventh financial year from the dateof opening of the account.• The amount of withdrawal is limited to 50% of the balance at credit at the endof the 4th year immediately preceding the year in which the amount is withdrawnor at the end of the preceding year whichever is lower less the amount of loan,if any.• There is also loan facility available under the scheme.166
Smart Money TipsSMART GOALSpecificTime-boundMeasurableSMART GOALRealisticAchievableA sample list of useful web resources has been given in student copy pertaining to Session8. You may visit these or other sites at your convenience for more information on Personal Financeand Investing:1. There are websites that provide news and information about the performance of variousinvestment instruments like shares, mutual funds etc. Some of these also enable you tomaintain an online portfolio which is an online record of your investments and where youcan regularly review the performance of your investments. Some also offer e-calculators thatwill help you to actually see how much you will be able to benefit from a particular investmentunder certain assumed situations.These include sites such as:www.bloombergutv.comwww.business-standard.comwww.economictimes.indiatimes.comwww.livemint.com167
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SESSION IMONEY MATTERS: SMART GOALS
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Reworking required in Sachin's budg
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QRIOSITYTheory-WiseDeficit: Deficit
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Theory-WiseOpportunity cost: Opport
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Space for working out the Verma fam
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QRIOSITYA Lemony surpriseOnce upon
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2. Live it up!!!!What do you think
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PLACE TO BANK ON!!!Bunty has got hi
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oard, 2 ashrafis for the second, 4
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THE GUITAR FEVERDarius is 13 and ha
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Notes:_____________________________
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Q-RIOSITYThis is also a Bank, but c
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Payee: ____________________________
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Manager: Good morning. What kind of
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How to open a Savings Bank Account
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A BIRD’S EYE VIEW OF A COMMERCIAL
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SECRET PIN (Sample Copy)42
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DEMAND DRAFT REQUISITION FORM (Samp
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Can you guess what this is?________
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SMART PREVIEWStock MarketStock Exch
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QRIOSITYCan you identify this build
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Now, answer the following questions
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Theory-WiseSecurities are financial
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10. Sensex:________________________
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16. Demat Account:_________________
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Group: ____________________________
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N. Gas: ___________________________
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SMART PREVIEWMutual fundsInvesting
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QRIOSITYThe triangle of investmentl
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And ultimately they decided to call
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MUTUAL FUNDS : CHOICES GALOREMr. Ma
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EUREKA'S SOLUTIONSMr. Eureka, the f
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Mr. Eureka’s assistant explains:_
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7. Mr. Roshan Vesuwala: About 30 ye
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freelance fashion designer. Mr. Vis
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SMART PREVIEWIn the next class we s
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Q-RIOSITY“One that goes a - borro
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COST OF BORROWINGFollowing are thre
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What is Reducing Balance Method of
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5. Keep a list of all your card num
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• Personal Loan• Education Loan
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QRIOSITYRead the following statemen
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Sunny’s Need/Want Analysis and Sa
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What do you think is the solution t
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What can you say from the above tab
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Will Sunny be able to repay his loa
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3. Market regulators and institutio
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tivities and help them understand o
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ACTIVITY 3Advantage Maxima!! - The
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What is delayed gratification?With
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ones instant gratification. Provide
Page 110 and 111: SESSION 3INVESTMENT : NURTURING THE
Page 112 and 113: INVESTMENT MANTRAS:Money grows with
Page 114 and 115: SESSION 4BASICS OF BANKINGDear Pare
Page 116 and 117: SESSION 5STALKING THE STOCKSDear Pa
Page 118 and 119: A SHARED FAMILY ACTIVITYWhether you
Page 120 and 121: ACTIVITY 2Here is a summary of the
Page 122 and 123: SESSION 6INVESTMENTS : THE WIDER SP
Page 124 and 125: ACTIVITY 2Here is a table, which wh
Page 126 and 127: SESSION 7BEYOND SAVINGS : BORROWING
Page 128 and 129: SESSION 8THE FINAL COUNTDOWNDear Pa
Page 130 and 131: ACTIVITY 1The entire family must si
Page 132 and 133: • The long-term maturity will all
Page 134 and 135: ACTIVITY 3A few Points to ponder wi
Page 136 and 137: TABLE 2Prioritize the factors that
Page 138 and 139: ACTIVITY 3MINI QUIZ1. The interest
Page 140 and 141: Money maxims
Page 142 and 143: Smart Money FundaeAs children why s
Page 144 and 145: Smart Money FundaeRequirements for
Page 146 and 147: Smart Money Glossary Crossing: 'Two
Page 148 and 149: Smart Money TipsTips for saving:•
Page 150 and 151: Smart Money TipsYou can earn too!!
Page 152 and 153: Smart Money Glossary Bull: The term
Page 154 and 155: Smart Money Glossary Company Fixed
Page 156 and 157: Smart Money Glossary Mutual Fund: A
Page 158 and 159: Smart Money Glossary Debt Fund: A m
Page 162 and 163: www.rediff.com/getahead/money.htmlw
Page 164 and 165: Credit Card Terms:1. Total Amount D
Page 166: 3. Banks are guided by Reserve Bank
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