Reinsurance

Reinsurance

August 20, 2010 Friday

Reinsurance contracts are those contracts in which one insurance company transfers its risk to another insurance company. Insurance companies which transfer the risk are known as ceding companies also, direct writers. Accepting company .i.e. the company which accepts the risk is also known as reinsurer.

Say for instance Mr. has a life insurance policy with an insurance company for Rs.10 crore and the insurance company wants to transfer 30% of the risk to a reinsurer then in case of loss direct writer has to pay the sum assured to X’s beneficiary and then claim for the 30% from reinsurer. Mr. X has no relation with the reinsurer. It has contract with the direct writer alone and direct writer is bound to fulfill his part of the contract in case risk happens and then claim for it from the reinsurer. It has a separate contract with the reinsurer.

Not all insurance players are in this business because the capital requirement is much higher than if the insurance company functions only in insurance. In India LIC, Lloyds of London are few reinsurers.

There are basically two types of reinsurance namely :
a) facultative;
b) reinsurance by treaty.

Facultative reinsurance is when all individual policies are taken into consideration and then a decision as to which policy needs reinsurance and what % of risk needs to be transferred. It is called facultative because it need not be covered by one company; it can be covered by multiple companies. What risks need to be transferred is decided by ceding company.

One major disadvantage of facultative reinsurance is accepting company goes by the underwriting standards or policies of the ceding company. Now if there is any fault in classification of risk and it has been put in the wrong risk category (referred to as risk basket), then the loss may be suffered by the reinsurer too. Now a days, in order to have a better coverage or protection, now a days, reinsurance companies have started involving themselves in the underwriting process of the ceding company.

Reinsurance by treaty is when there is an agreement between direct writer and the reinsurer. Reinsurance companies come up with proposals to the direct writers as to what is the maximum amount of risk they are ready to accept and what kinds of risks they are ready to accept from the direct writers. The direct writers choose the best offer and they enter into agreement. Reinsurance by treaty is basically of two types; namely :

Quota or Quota share

It’s not always on an individual basis, it is always consolidated. Direct writer transfers some percentage and keep certain percentage of risk. Here the percentage is fixed.

Surplus reinsurance

Here 3aspects are looked into

  • Maximum coverage available .i.e. what amount reinsurer is ready to accept.
  • Estimated maximum loss .i.e in case of life insurance it is sum assured and in case of general insurance it has to be assessed by the direct writer.
  • What is the % of loss or risk to be transferred?

Risk excess of loss

In this case the reinsurer gives a proposal that it will give a cover of certain amount for loss suffered upto certain amount. Say for example: "Rs. 50000/- in excess of Rs.100000/-."

Aggregate risk excess of loss

This is similar to risk excess of loss. Direct writer will have to wait for all the claims in a year, add it and if it exceeds the cover promised by the reinsurer, then upto the amount promised by the reinsurer loss will be covered.

Premiums in case of reinsurance

They are of two types :

  • Original premium/ direct premium, i.e. if 30% of risk is transferred then 30% of the premium received by the direct writer is also transferred to the reinsurer.
  • Revised risk premiums: reinsurers are not concerned with what direct writer collects from its clients, they quote their own premium for certain sum of risk to be covered.

The above article covers most of the aspects of reinsurance in detail. For any further queries refer to indianmoney.com.

 
 
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Comments

"good and knowledgeable article. congrats mr. sudheer. mai i REQUEST YOU TO PLEASE VISIT MY BLOG WWW.INDIANMIDDLECLASSMONEYIDEAS.BLOGSPOT.COM AND KINDLY ADVISE ME TO MAKE THE BLOG MORE VISIBILITY AND PUBLICISED. IAM NEW TO THIS LINE. THANKS AND REGARDS, R.V.RAO"

- R.V.RAO, 13th October 2008, Monday

"Never new it was so simple to understand working of NAV"

- Sanjeev Sood, 20th October 2008, Monday

"High NAV MF have Higher Loss as well."

- Rajesh, 30th November 2008, Sunday

"High NAV MF have Higher Loss as well."

- Rajesh, 30th November 2008, Sunday

"good and knowledgeable article. congrats mr. sudheer. mai i REQUEST YOU TO PLEASE VISIT MY BLOG WWW.INDIANMIDDLECLASSMONEYIDEAS.BLOGSPOT.COM AND KINDLY ADVISE ME TO MAKE THE BLOG MORE VISIBILITY AND PUBLICISED. IAM NEW TO THIS LINE. THANKS AND REGARDS, R.V.RAO"

- R.V.RAO, 13th October 2008, Monday

"Never new it was so simple to understand working of NAV"

- Sanjeev Sood, 20th October 2008, Monday

"High NAV MF have Higher Loss as well."

- Rajesh, 30th November 2008, Sunday

"High NAV MF have Higher Loss as well."

- Rajesh, 30th November 2008, Sunday

"When you invest in mf's with low nav I feel that when u receive diviedn u get higher returns and u recover your prinicpal at a faster rate."

- Shekhar Sehapnde, 8th December 2008, Monday

"I never knew of this. Thanks for the valuable information."

- MOHANAN, 9th December 2008, Tuesday

"very good"

- HIMANSHU PANDEY, 9th December 2008, Tuesday

"Thanks for the valuable information "

- Ravi, 9th December 2008, Tuesday

"Thanks for the information I want to know some more information regarding the NAV 1. In this uncertain market condition higher NAV implies to higher risk "

- Abhishek Bhattacharjee, 9th December 2008, Tuesday

"NAV..."

- Prasad, 9th December 2008, Tuesday

"Hi this is the information about NET ASSET VALUE ....................."

- obi, 9th December 2008, Tuesday

"Thanks"

- Subramanian, 9th December 2008, Tuesday

"Very very thanks for your valuable information reg. NAV."

- Sudhir Kumar Dash, 10th December 2008, Wednesday

"Dear Sir, I appreciate your article for clarifying the most common myths in the mind of invester. At the same time I would like to add that NAV does have lot of meaning if a person wishes to redeem his MF which has been bought at a higher NAV and the NAV has gone down considerably low! Please comment if there is a way to keep the wealth in MF preserved even if the NAV goes much below the bought NAV."

- Mahendra Tripathi, 10th December 2008, Wednesday

"Dear Sir, I appreciate your article for clarifying the most common myths in the mind of invester. At the same time I would like to add that NAV does have lot of meaning if a person wishes to redeem his MF which has been bought at a higher NAV and the NAV has gone down considerably low! Please comment if there is a way to keep the wealth in MF preserved even if the NAV goes much below the bought NAV."

- Mahendra Tripathi, 10th December 2008, Wednesday

"Dear Sir, I appreciate your article for clarifying the most common myths in the mind of invester. At the same time I would like to add that NAV does have lot of meaning if a person wishes to redeem his MF which has been bought at a higher NAV and the NAV has gone down considerably low! Please comment if there is a way to keep the wealth in MF preserved even if the NAV goes much below the bought NAV."

- Mahendra Tripathi, 10th December 2008, Wednesday

"Thank you very much for your informative article on NAV which is revealing. "

- g. kondala rao, 10th December 2008, Wednesday

"Many thanx for ur information . . . . ."

- Pulak Das, 10th December 2008, Wednesday

"thank you for your valuable informationand you may kindly give more information regarding the share mkt and mf,ulip policies."

- ashwin, 10th December 2008, Wednesday

"thankyou for yor valuable commends....."

- johnson, 10th December 2008, Wednesday

"Thanx Sudheer for the nice article"

- Girish Sethi, 10th December 2008, Wednesday

"its very use full to investors who are investion amount with out knowledge. if there is any other details pls send to my mail thanq "

- p anil kumar, 10th December 2008, Wednesday

"Very nice explanation, but I have one doubt if both the scheme under perform after few years then what will happen, and specially in case of re investment scheme"

- Sudhakar Sen, 10th December 2008, Wednesday

"good 1."

- vikramtomar, 10th December 2008, Wednesday

"its really very valuable information regarding NAV and its really help us to undrstand NAV... Thanx........"

- Anshul , 10th December 2008, Wednesday

" Very nice explanation, but I have one doubt if both the scheme under perform after 3years then what will happen, and specially in case of re investment scheme Posted On 11-12-2008 "

- Krishnanaik, 10th December 2008, Wednesday

"Thanks"

- ved prakash pandey, 10th December 2008, Wednesday

"Very Very Thanks for your valuable information......"

- Ashwani, 10th December 2008, Wednesday

"Very good article for a common man like me but is't it wise to invest in a MF whose NAV is currently low in comparison to its past higher NAV value ?Pls also guide how to assess a MF. "

- Rupendra Saxena, 11th December 2008, Thursday

"thanks for your constructivity over the isseue. nice really nice........."

- Ripon Chakraborty, 11th December 2008, Thursday

"indeed an intelligent expalnation about nav, even being a commerce grad. i was not cleared about this concept , this will definitely help us to uderstand the concept in a better and clear way. best of luck..................."

- bhavesh nayak, 11th December 2008, Thursday

"thanks"

- raman, 11th December 2008, Thursday

"sir, am pursuing MBA . i really int to take finance as a specialisation but i cant understand debt equity ratio,NAV,about sharemarket etc when i thinking this am getting panic sir so can u tell explain about debt equity ratio,meaning of NAV, mutual fund etc... plz sir i need to know this things advancly because i dont know basic of finance"

- prashanth kumar, 11th December 2008, Thursday

"i didnt get ur example sir"

- prashanth kumar, 11th December 2008, Thursday

"There is no clear ficture regarding the present crisis i.e. the sudden fall of NAV. What is your suggession regarding retainment of mutual funds, which were purchased at the high NAV in the last financial year."

- SANTANU PRASAD BAG, 12th December 2008, Friday

"good"

- asif, 12th December 2008, Friday

"SIR, very good , good for new investor,common man. Thank You Sir."

- SURAJ K CHANDRAN, 12th December 2008, Friday

"Is it like any network business like rmp, amway etc... "

- sharafath, 12th December 2008, Friday

"Thanks , very informative."

- Shyam Murthy, 13th December 2008, Saturday

"Thanks for this info on MFs. Would appreciate the same for other investments (stocks, commodities etc.)"

- LATHA SUBRAMANIAN, 13th December 2008, Saturday

"Thanks for the Update on NAV. But as it is Funds with higher NAV always tends to give Higher Losses , as well. Regards Raja Sen. "

- RAJA SEN, 13th December 2008, Saturday

"DEAR SIR- u'r examp. is really excellent . What is u'r view about the present market situation ? Is there any chances to decreases or increase ?"

- B K DAS, 13th December 2008, Saturday

"Thanks for the Update on NAV. But as it is Funds with higher NAV always tends to give Higher Losses , as well. Regards Raja Sen. "

- RAJA SEN, 13th December 2008, Saturday

"This was really a good article and it will helps me lot as I am planning to invest in near future. I am really looking forward for your other article regarding investments."

- Biswajit, 14th December 2008, Sunday

"very supportive for me as a financial sales executive in HDFC Bank."

- Rajnish Mishra, 14th December 2008, Sunday

"If you invest in a stock with higher NAV, does it mean that the Fund in question is better managed and by experts. "

- J.N.Khanna, 14th December 2008, Sunday

"thanks for article. please tell us also about direct investment or share trading."

- USHA P H, 15th December 2008, Monday

"nav& ulip product"

- rajesh shrimali, 15th December 2008, Monday

"this really proved to be good. thank you."

- swati, 16th December 2008, Tuesday

"Thanxs its good for people who invest without knowledge in MFS"

- YASH, 16th December 2008, Tuesday

"yes its ccorrect.... can get some information on derivatives plzzzzz"

- sabeer khan, 19th December 2008, Friday

"Thanks"

- Zebeta, 20th December 2008, Saturday

"thanks"

- zocor, 28th December 2008, Sunday

"hi, i read u r article on NAV...how do v choose a fund .i wanna invest in a ULIP ..should i not choose a fund whose NAV at present is 4.90...in the past it has gone till 80"

- mithasha, 14th January 2009, Wednesday

"It's Really a real picture of NAV."

- BHARAT BHATIA, 14th January 2009, Wednesday

"It's Really a real picture of NAV."

- BHARAT BHATIA, 14th January 2009, Wednesday

"i am personally thankful for giving a good knowledge of NAV.its really fantastic,& admirable for freshes.but will u tell me abt the present mkt situation.is it decreased or again going down."

- manoranjan, 15th January 2009, Thursday

"Should I invest in a product of HDFC ULIP or SBI ULIP because I understand that NAV of HDFC is quite lower than SBI. Please advise. H. KUMAR"

- Hridesh Kumar, 16th January 2009, Friday

"thanx for ur article .... it was so easy ...not known befor"

- Sandeep Chakraborty, 16th January 2009, Friday

"thanks . it is very helpfull for every investoer"

- Pradeep Pareek, 16th January 2009, Friday

"thanks"

- navaratna, 16th January 2009, Friday

"NAV AND MYTHS"

- Srinivas, 16th January 2009, Friday

"With the help of your article abt NAV & MYTHS, I don't hane any doubt abt NAV. Thanks.........."

- KAMLESH JHA, 18th January 2009, Sunday

"how to calculate nav and tel me with example"

- amit jain, 18th January 2009, Sunday

"Thanks, needy information."

- srinivas, 26th January 2009, Monday

"Thanks, needy information."

- srinivas, 26th January 2009, Monday

"thanks it is very useful every student aand investors. i want what is portfolio"

- veeranarayana, 27th January 2009, Tuesday

"thanks"

- Aniket Kajarekar, 27th January 2009, Tuesday

"Thanks very nice"

- SUJATA PRALHAD GAIKWAD, 28th January 2009, Wednesday

"thanks what is the future of mutual funds purchased in 2005,06,07 ,if we shouid retaine it.and if so how long it will take when market will improve"

- drkkshukla, 29th January 2009, Thursday

"Very Useful information. Thank u very much,"

- THYAGARAJ, 29th January 2009, Thursday

"thanks for your guidance. i want the formula of the price earnings ratio. i mean PE ratio."

- pavan kumar.a, 30th January 2009, Friday

"I am a insurance advisor. Thanks for your article."

- Deepak Kumar Maity, 30th January 2009, Friday

"Yes, I do agree with your views. NAV satisfies the quantity concept but miserably fails in judging the quality factor."

- CH.D.RAVINDRA NATH, 31st January 2009, Saturday

"It is really Good article with details"

- Vasudev Vanjani, 31st January 2009, Saturday

"thank you and keep sending"

- Chandana Singh, 31st January 2009, Saturday

"nice one"

- janakiram, 2nd February 2009, Monday

"thanks"

- Sudhir Kulkarni, 2nd February 2009, Monday

"very nice and simple to understand"

- debasree, 4th February 2009, Wednesday

"It is really a good prentation"

- CHAHAR U.S, 4th February 2009, Wednesday

"I would like to thank mr. c.s. sudheer for sendig valuable mails which really helps me know more about indian maoney marker and capital market, It is really nice. i would like to meet mr.sudheer personally."

- kapil, 5th February 2009, Thursday

"thanks"

- ramakrushna, 5th February 2009, Thursday

"you are views are very good but as a common man how could known your views you are telling in internet but a common man does not have internet then how it is possible, next the insurance agents are goes to village people and bring insurance premium just like money plus,shriplus but they are not saying particularly that village persons this nav details. if you are interest to say then how could you says?"

- ravikumar, 5th February 2009, Thursday

"Can you plz send me any good documents which will help me clearing amfi exam, bcoz I am writing amfi exam next month "

- NIRANJAN, 5th February 2009, Thursday

"good"

- vinodh, 6th February 2009, Friday

"thanks"

- Jitendra, 6th February 2009, Friday

"Its a really eye opener article for each and every individual who practically deals in financial market....."

- Kumar Gaurav, 6th February 2009, Friday

"Great and simple to understand"

- Manjit Singh, 7th February 2009, Saturday

"Thanks for your valueable information. Can you tell us that how can we get information regarding performance of our investment (nav) time to time."

- pawan kr. dwivedi, 7th February 2009, Saturday

"very easy to understan and can u help mi how ulip s nav work and in different funds with examples thank mehan"

- mehan, 7th February 2009, Saturday

"it is interesting. i have one suggetion.i am a ICICI life prudential pilicy holder.30 % of my premium went to the agent in total in the 1st 3 years. for that i did not get any service , advise for rotating my fund allocation.so i feel that it is aloss to us .is it not the duty of agent to get to know the latest trend in the market from fund managers and advise us. if we have followed it ,then the up/down is to our account.why everyone is failing on this a/c.i am at aloss to understand this. so please advise icici/bajaj/kodak to help the us,as we are busy or know not the daily status. i feel it is a great loss for middle class people like us. so the regulatory agencies must see if it is really needed to forgo such an amount when one is not getting a service for the same. it is our hard earned money.so the loss is irrepairable.help the customer must be the motto and not kill the gustomer."

- R.SRIDHARAN, 7th February 2009, Saturday

"The article is good to understand and conviced one.But I interested to know that is any special course on this to build a career.Please inform me as soon as possible. Thank You."

- Binod kumar Sahu, 7th February 2009, Saturday

"It is very nice presentation to understand anyone about the misconception of NAV. Thankyou."

- Syed Sarfaraz, 7th February 2009, Saturday

"good 1"

- Gopal agarwal, 7th February 2009, Saturday

"Thanks for u r sending articles for growing my knowledge, plese send information related finance& derivatives markat "

- badri nath mishra, 7th February 2009, Saturday

"nice"

- ishwarbhai patel, 7th February 2009, Saturday

"HI, its a good article & help us more to know money markat,kep it up.Thank u."

- prakash das, 7th February 2009, Saturday

"its simple and superb"

- suresh, 7th February 2009, Saturday

"Sir, Kindly give the knowledge of TDS Rate & calculation. Thanks"

- Ramu, 7th February 2009, Saturday

"should invest in amsure (amway + max Life NY) is good? i have already taken ULIP (60K Yr premium), shall i will continue with this i should withdrawn"

- satish kumar sharma, 7th February 2009, Saturday

"should invest in amsure (amway + max Life NY) is good? i have already taken ULIP (60K Yr premium), shall i will continue with this i should withdrawn"

- satish kumar sharma, 7th February 2009, Saturday

"Excellent"

- James Johnson, 7th February 2009, Saturday

"100% Right Sir. Your publication will help a lot of your readers to understand. Pearls size and weight depend on the shells not the numbers."

- Sivasangaramurthi.N, 7th February 2009, Saturday

"Nice information in a simple way. Thanks"

- Manish, 7th February 2009, Saturday

"good"

- Zubair khan, 8th February 2009, Sunday

"Its excellent and thanks for valuable information."

- Prakash Patil, 9th February 2009, Monday

"nice one"

- chandarkant nimonkar, 9th February 2009, Monday

"no comment"

- venkat, 9th February 2009, Monday

"good"

- rispana chakraborty, 9th February 2009, Monday

"good"

- rispana chakraborty, 9th February 2009, Monday

"Sir, What ever things that your had written it is really helpful for students who done there MBA. So thanks for solving such excellent quaries"

- Tarak, 9th February 2009, Monday

"Thanks for such kind of article."

- sunil sharma, 9th February 2009, Monday

"Do'nt Paste this type of articles If i read once i will always ask for article or suggesstion for each and every financial topic i.e i will eplore u and not do anything on my own"

- D.A.Turilay, 10th February 2009, Tuesday

"Its really really knowledgeble ,thank u very much."

- Meenal Kshirsagar, 10th February 2009, Tuesday

"It is giving me more knowledge of finance which is excellent o understand "

- D A Turilay, 10th February 2009, Tuesday

"NICE ONE"

- GIIRDHAR CHATURVEDI, 10th February 2009, Tuesday

"nice "

- rajesh, 11th February 2009, Wednesday

"good and informative for the people who desire to invest in MFs and who do not have knowledge about the same. It would be good further tips about the choosing and analysing good MF for investent are given. Thanks"

- malojirao ghodkar, 12th February 2009, Thursday

"Where nice article.Cleared concept of NAV with"

- SANJAY MAKWANA, 12th February 2009, Thursday

"I think you the term book value (total asset value)should have been explained in detail. I think this is the market value of total investments on any particular date. Kindly clarify."

- BHASI, 12th February 2009, Thursday

"plz tell me how could the yield value 13 & 130 derived in above illustration??"

- nishant gupta, 12th February 2009, Thursday

"plz tell me how could the yield value 13 & 130 derived in above illustration??"

- nishant gupta, 12th February 2009, Thursday

"thank u"

- ravindramath, 12th February 2009, Thursday

"Very informative in simple terms"

- R.K.SINGH, 12th February 2009, Thursday

"good"

- nallamohamed, 12th February 2009, Thursday

"It is really a very useful tip. The myth of low NAV is cleared well. thanks!"

- s Balasubramanian, 12th February 2009, Thursday

"Good,easy to understnd and for workout"

- balaji, 13th February 2009, Friday

"Concept explained very well & in simple fashion."

- Shweta, 13th February 2009, Friday

"Concept explained very well & in simple fashion."

- Shweta, 13th February 2009, Friday

"thanks for the information"

- namita, 13th February 2009, Friday

"Very goods article Please send like these articles on Soick markets finance and accounts and I din't want google alerts heceforth Please aperform this task if u reallywant to increase my knowledge"

- Tushar Aanand Turilay, 14th February 2009, Saturday

"how many yrs to wait for mutual funds taken in 2006-7-8 to come to alavel of dec,2007"

- drkkshukla, 14th February 2009, Saturday

"thanks"

- ashok, 15th February 2009, Sunday

"Very useful article.Persons like me,who are science graduate but investing money in stock market may find this immense useful."

- Susanta Behera, 17th February 2009, Tuesday

"Whether there is any chance of improving sensex above 13000 points in the coming months "

- K.V.MURALEEDHARAN, 17th February 2009, Tuesday

"it, very much easy to understand because of example ,iant this kind of article in my mail id.."

- GAURAV, 17th February 2009, Tuesday

"nice artiacle , plz send some more articl;e as above, related to PF, account and, stock makit indice. witch increse my performance"

- amardeepSIngh, 17th February 2009, Tuesday

"its an good articale i need more information on it.."

- rahul, 17th February 2009, Tuesday

"thanks"

- ramkrishna, 18th February 2009, Wednesday

"It was fantastic explannation and this clears my doubts on high and low Nav whhich will help me invest further."

- G.narayanan, 20th February 2009, Friday

"thanks,very good article.pl. send me what is the other quality and performance records for chhose the mutual funds & shares."

- anupam kumar, 21st February 2009, Saturday

"Knowledgeable"

- Sanjeev, 21st February 2009, Saturday

"simple yet informative"

- shiveen, 21st February 2009, Saturday

"Thank you giving such good article"

- ramesh, 21st February 2009, Saturday

"thank you.. very good informatiom "

- ritesh g shetty, 22nd February 2009, Sunday

"thank you for such good information its help me to choose better investment in ulips "

- narayan khatiya , 22nd February 2009, Sunday

"Very Good and i got additional and very important information regarding NAV"

- sanjay Jambotkar, 22nd February 2009, Sunday

"Thank u Sir for the valuable article.Looking forward for more articles in future"

- Bhavna, 22nd February 2009, Sunday

"Good Learning article, Please update with the performance of SBI Magnum Taxgain Scheme 1993- How is this Mutual Fund fairing"

- Piyush saddi, 22nd February 2009, Sunday

"Thaks. It is very easy to understand."

- Gurpreet kaur, 22nd February 2009, Sunday

"this is very good side. i thank it very haleful to any one to understand "

- vivek rathi, 23rd February 2009, Monday

"nice article.i found very useful."

- raj sagole, 23rd February 2009, Monday

"Mind Blowing Article.......Than Q "

- Ramesh Chandra Bag, 24th February 2009, Tuesday

"I really appreciate this site as this wll give live example. very good exemplory."

- ROHIT SHARMA, 25th February 2009, Wednesday

"Nice. Please explain: If NAV of some scheme is gone to 12.30 and its NFO is 10.00 and now the nav is 8.50 wheather the scheme is bad and my investments are at risk?"

- Dinesh Aherrao, 25th February 2009, Wednesday

"Very nice "

- aakriti, 26th February 2009, Thursday

"gud"

- , 26th February 2009, Thursday

"gud1`"

- , 26th February 2009, Thursday

"it is an eye opener in the present market conditons..cu you please send us some more informative artilces like this. "

- sameer bakshi, 27th February 2009, Friday

"very useful, pl send further in this "

- satya ranjan sarmah, 27th February 2009, Friday

"i am glad 2 join this site such great information this would definately help for sales person "

- nitin meshram, 28th February 2009, Saturday

"its good to know more about financial terms through indiamoney.com. i want to know more about NBFC."

- mahendra nath jha, 1st March 2009, Sunday

"Thank you , it was quite easy to understand through examples."

- P. N. SINHA, 1st March 2009, Sunday

"That is a very good point which you have brought forward , Keep writing. regards Ravi Joshi"

- Ravi Joshi, 1st March 2009, Sunday

"the information given is very nice keep sharing your information like this"

- Ashish, 1st March 2009, Sunday

"Thanks for providing such information. I really appreciate your site. Expecting such type of articles in future."

- Dishani, 2nd March 2009, Monday

"Very useful tip on MF for comman man who does not know about finance but investing in MFs. I have invested in ELSS 3 yrs back (closed end), even after completion of 3 yrs the return is in loss only. Shall i wait for some more time for gaining some profit or atleast to reach the level of investment so no profit no loss. explain whether it will gain after completion of 3 yrs or not."

- Ravi shankar, 2nd March 2009, Monday

"Very good article for the newly joined investment advisors "

- vijay kumar, 2nd March 2009, Monday

"its good but i want more example problems about NAV"

- T. Praveen kumar, 2nd March 2009, Monday

"WHAT IS BASE FOR INCREASING AND DECREASING THE PRISE OF NAV ."

- SANJIV SINGH TOMAR, 2nd March 2009, Monday

"thanks "

- sumit puranik, 3rd March 2009, Tuesday

"good artical"

- madhav kumar, 3rd March 2009, Tuesday

"Thanks for nice & valuable article.I want to invest some ammount in LICs Profit plus scheme for 20 years.Please tail me if their is any good apportunity."

- RAVI, 4th March 2009, Wednesday

"I really appreciate this site it language is so easy and example also help to easily understand the topic thanks for providing information plz send advice abt investment in mutual fund on my id plz with warm regards"

- Mihir Tandon, 4th March 2009, Wednesday

"Information provided by you is very easy to understand as it is illustrated in a way which is understandable to a common person."

- Sushmita, 5th March 2009, Thursday

"Very Nice"

- Sanjeev Kumar, 6th March 2009, Friday

"Good one. helps us to sell product."

- PANKAJ CHATURVEDI, 7th March 2009, Saturday

"I have just started my career with insurance and mutual funds and facing the same problems on NAV as you. but, now i got the solution. "

- Kirtan Kansara, 10th March 2009, Tuesday

"NAV "

- Chandranath Sarkar, 15th March 2009, Sunday

"Very Useful. Easy to understand."

- A V Satyanarayana, 21st March 2009, Saturday

" I need monthaly statment"

- MANPRASANN R.C. KUNDU, 26th March 2009, Thursday

"Very informative articles.Surely it really can help everyone not only Indian's people but anyone who wants to start business/invest. I'd better tell this site to my friend Ravi for him to know MORE in investing. Keep it up Mr. CEO for sharing this knowledgeable information. --mac Lauroza from Philippines"

- mac Lauroza, 28th March 2009, Saturday

"So easy to understand"

- Amit Nath, 8th April 2009, Wednesday

"thanks for good article"

- annadani, 10th April 2009, Friday

"nice article..as well as very informative its very imp to understand this in this scenario of market. Would certainly appreciate this type of articles "

- vithika jain, 12th April 2009, Sunday

" Thanks for providing such information. I really appreciate your site. Expecting such type of articles in future."

- jigesh, 23rd April 2009, Thursday

"What all are termed as LIABILITIES? Kindly explain with an example."

- Vinish, 30th May 2009, Saturday

"Article on NAV and the Myths was very infomative.Even I was thinking the same way the other investors were thinking.Always I was looking for lower NAV schemes.Now with the example mentioned in the article, I realized how it really matters."

- Kavita, 1st June 2009, Monday

"can u givce me nav status of sbi, kotak mehendra, birlasunlife, franklin as on date on my id pl. "

- sunilgurdasani, 10th June 2009, Wednesday

"U ARE CORRECT.......I FULLY AGREE WITH U"

- C P DILLI BATCHA, 13th June 2009, Saturday

"what will be the effect on mutual funds purchased in 2006-07-08 at the nav prevailing at tha time ,should i opt out at this moment are wait for market to improve and till how long-relince,sbi etc"

- drkkshukla, 14th June 2009, Sunday

"This is a nice article to know the details of NAV "

- jagabandhu sahu, 17th June 2009, Wednesday

"How we know the NAV is good ?What the past perfermance of NVA ?. Wheter NVA declared by the company is correct?"

- jagabandhu sahu, 17th June 2009, Wednesday

"But when markets are down its good to buy fund which has lost more NAV value , coz when market goes up they will give higher return"

- A S Borkar, 28th June 2009, Sunday

"awsome"

- vivek, 30th June 2009, Tuesday

"when there is dividend the examples cited in the article does not hold good"

- Soumik Sen, 13th August 2009, Thursday

"Very good articles.But i would like to ask one question,Is there any relation between total asset value and total no. of units? Thanks"

- Biswajit roy, 17th August 2009, Monday

"THANKS FOR YOUR INFORMATION."

- GANESH, 22nd August 2009, Saturday

"great advice for investors/traders.........."

- RAJIV KUMAR K, 25th August 2009, Tuesday

"ur doing great and need u do d same"

- bala, 25th August 2009, Tuesday

"Great Advice"

- subhendu chowdhury, 5th September 2009, Saturday

"I am central Govt. employee and covered under New Pension Scheme(NPS). As you know NPS is managed by three fund mangers viz LIC-SCHEME-I(29%), SBI-SCHEME-I(40%) and UTI-SCHEME-I(31%). The present NAV is 1.00. I want to know what this NAV meant for and what will be rate of interest accumulated out of my invested amount every month at the end of the year. Further, the deducted amount(emplyees share and employers share) transfered every month by 15th .so I want to know whether I will loose for that. Plz reply "

- Satyajit, 20th October 2009, Tuesday

"what is NAV VALUE OF BIRLA SUNLIFE INSURANCE PLATINUM PLUS III"

- devendra pimple, 18th November 2009, Wednesday

"which fund is best for investing Rs50000 for maximum return , for five years ?"

- r k trivedi, 13th March 2010, Saturday

"I enjoyed your article. simple and straight. I have a query same as Mr Satyajit has earlier asked. Can you forward the reply to me. I am unable to understand the benefits. There is tier II scheme, where we can contribute additional amount of our choice and we have choice of 6 pension plan to invest. I am unable to decide if I should opt for it or not. Please reply"

- Devender verma, 14th May 2011, Saturday

"Reinsurance "

- Rasheed, 11th April 2012, Wednesday
 
 
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