Least Capital Volatility ^TM is a unique Proprietary Solution offered by M/s Shan Wealth Pvt Ltd

Least Capital Volatility^TM

Least Capital Volatility is a unique Solution offering Lump sum Investment in Mutual Funds to get Pension for your Life along with Health Cover for the Family

Suits for Persons

Aged above 45 years old
Needs Second Income
Least Tax Impact Income
Lesser Impact of Market Volatility

Why this Solution needed

People nearing or on Retirement, need additional source of income
Income from Bank FD, falls to deliver higher than the increasing cost of living
Relying on Rental Income and Maintaining a House / Flat has huge burden for the people who are at the phase of reducing mobility
Cost of Health Challenges impacting our investments is unascertainable

Illustrative Cash flow & Market Value Movement

Need of Monthly Income	Yes	Comparision of MF - Balanced Adv.		Yes
Investment Options for Years	10%	Bank FD @ 7.2%	HappyMoneyToYou LCV Solution	MF Balanced Adv.Fund
Investment On	JAN 08	10,00,000	10,00,000	10,00,000
Value after Withdrawal	JAN 18	10,00,000	21,21,104	10,53,099
Monthly Income Received in 10 Years		7,20,000	7,20,000	7,20,000
Income Tax	31.20%	2,24,640	0	0
Net Income after IT		4,95,360	7,20,000	7,20,000
Net Income & Capital Appreciation		14,95,360	28,41,104	17,73,009
Net Yield p.a		5.06%	13.55%	7.82%
No. of Months had Capital Dip		NA	13	180
Maximum Intermittant Capital Dip		NA	-1,50,495	-4,71,184
% of Max Capital Dip		NA	-15,05%	-47.12%

Work Flow

Following the Health Insurance Company process online for apply of Family Floater Health Insurance Policy
Health Insurance policy will be issued subject to reports of the Medical Examination
Completion of Know Your Customer – KYC, if not done earlier
Creation of online Investment Account with MF Utilities to start the MF Investment
Setting up Onetime Bank Mandate with Health Care & MF Companies for future payments
First year premium payment of Health policy will be made to company through payment mode of Internet Banking/UPI/Debit/Credit Cards
Subsequent years Insurance premium payments will be made from the Cash flow generated out of MF Investment
Once the Mandate registered, MF Lumpsum Investment transaction will be triggered to your email

Need to click the said link, enter the OTP delivered and accept the transaction
Register for Monthly Withdrawal depending upon your needs and your Investment Amount
On approval, your bank account will be credited on the chosen date to meet the expense of your retirement life
On completion of 12 months, MF Investment redemption request will be initiated to make the payment of Health insurance renewal premium
Need to approve it within 24 hours of initiation of request
Redemption amount will reach your bank account on 3rd working day, from the date of acceptance of redemption
In next 3-5 days, debit for renewal of Health insurance premium will be initiated by the Insurance company
The above 4 points 12-15, needs to be repeated throughout your life, on completion of every 12th month

Why this Solution needed

What it Contributes to Life

Soft Copy Documents Required

Shan Wealth Pvt Ltd

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