Talk to any investor and they’ll tell you that one thing that they dream of is having a portfolio that provides them with Stability, Safety and Security (3S). However, not many are lucky enough to achieve that. As an investor we constantly strive to find the right product and the right methodology to get as close a portfolio that affords us the 3 S! However, many of us experiment with different investment products and while some give us the joy of winning, there are products that set us back on the back. The successful investors will tell you that an inconsistent investment plan will disappoint many investors midways as it might not be linked to their financial goals, and that what works best for investors is to stick to doing the basics well. The 3S- philosophy will help you work wonders in your investment journey, and achieve much more that what even the fanciest of products might do for you.
As the world emerges from the pandemic, we are all rushing to get back to ‘normal’ or pre-Covid world. However, the fact is that we, the people, have changed at many levels. The priorities today have changed. The concerns have changed. Most of all, our expectations from our investments have changed. While earlier most of us used to invest to earn more, today we are investing to ensure stability, safety and security of ourselves and our loved ones.
Pretty much like the world has changed, the investment world too has changed post-pandemic. On the one hand, the markets are at an all-time high and bank interests are inching up. On the other hand, assets like gold and real estate have become volatile. Then, there is the challenge of managing inflation that is eating away our reserves as investments, fewer taxes and less inflation are giving us negative returns.
At this time, the thought that’s foremost on our minds is how, keeping in mind the uncertain scenario, do we zero in on an investment product that helps us achieve what we set out to do: provide stability, safety and security for us and our families, without fail. Security Investments recommends a product that guarantees your returns and pays you higher interest rates that bank FDs and ensures tax-free income for many years. To understand the product in greater detail and to evaluate the product’s merit, please go through the chart below:
| TENURE | 5 Years | 10 Years | 12 Years |
| Investment Amount (pa) | 10,00,000 | 10,00,000 | 10,00,000 |
| Total Investment Amount | 50,00,000 | 1,00,00,000 | 1,20,00,000 |
| ROI (Tax-Free) | 5.96% | 6.73% | 7.27% |
| Period of Investment | 5 Years | 10 Years | 12 Years |
| Year of Returns | 3,80,000 | 10,85,000 | 14,22,500 |
| Amount on Maturity | 30 Years | 25 Years | 30 Years |
| TOTAL RECEIVED AMT | 1,64,00,000 | 3,71,25,000 | 5,46,75,000 |
Assumption: The above illustration is based on a middle-aged individual; however, the product is available for anyone aged between 5-65 yrs.
Different people have different investment goals, but a vast majority of them have one thing in common: they’re always looking at stable returns in managing the cash flows with a view to bringing in financial stability. Today, a steady and regular flow of funds can be in many forms - salaries, rentals, pensions, etc. Pretty much along the same lines, the product suggested above guarantees a cash flow for a reasonable period, and fulfils the requirement of regular inflows for a family, in some cases even across generations!
Here’s how this product can transform your life in more ways that one:
Allows your family to benefit across generations depending upon when you choose to invest in it.
If you invest in it at the right time, it allows you the confidence to face the ups and downs of the regular job world, by giving you a sustained income independent of your salary. Plus, if at any time you feel like trying out something new, it lets you explore without worrying about your finances.
Lets you build a tax-free rental income on the back of a financial instrument, without having to worry about any of the things associated with the vagaries of real estate.
In the case of those, especially government servants, who are going to draw pension, this can give them double pensions; and, in case of those, who have got out of the pension ambit, this can be their much-needed fall-back plan in the form of a pension that lasts them a lifetime.
Just some of the many reasons how 3S (safety, stability and security) of the Investment world can help shape a secure future in today’s turbulent environment. The high taxable returns of around 7-8% p.a. could suit investors who fall in lower or nil tax slabs, however, for HNIs who pay taxes of 30% or more should opt for an instrument that can give tax-free returns for life, which is similar to taxable interest rates being offered.
Thus, amid an uncertain world, the above product is a solution for all conservative investors who prioritise the safety of the principal, and are elated with the tax-free returns, that turn out to be the icings on the cake. Happy investing!