Yash Raj Singh Rathore

𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐔𝐋𝐈𝐏 𝐰𝐨𝐫𝐤? (Next in the ULIP Series – Simple & Clear ) Imagine giving money to a smart team who knows where to grow it best. That's what happens in a ULIP (Unit Linked Insurance Plan). You give money → The fund manager invests it → You get both life cover and returns on your investment. Here's how it works: 𝐓𝐡𝐞 𝐟𝐮𝐧𝐝 𝐦𝐚𝐧𝐚𝐠𝐞𝐫 𝐢𝐧𝐯𝐞𝐬𝐭𝐬 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐞𝐲 𝐢𝐧 3 𝐦𝐚𝐢𝐧 𝐭𝐲𝐩𝐞𝐬 𝐨𝐟 𝐟𝐮𝐧𝐝𝐬: ~𝐄𝐪𝐮𝐢𝐭𝐲 (for higher returns, but with more ups & downs) ~𝐃𝐞𝐛𝐭 (safer, stable returns) ~𝐁𝐚𝐥𝐚𝐧𝐜𝐞𝐝 (a mix of both!) Now, there are two ways these funds are managed: 1️⃣ 𝐀𝐜𝐭𝐢𝐯𝐞𝐥𝐲 𝐌𝐚𝐧𝐚𝐠𝐞𝐝 𝐅𝐮𝐧𝐝𝐬 – An expert decides where to put money by studying the market. Their goal? To do better than the average. But remember, sometimes it works, sometimes it doesn't. 2️⃣ 𝐏𝐚𝐬𝐬𝐢𝐯𝐞𝐥𝐲 𝐌𝐚𝐧𝐚𝐠𝐞𝐝 𝐅𝐮𝐧𝐝𝐬 – These just copy a popular list of top companies (called an index). It’s like following a safe path. It won’t do better or worse – just steady and predictable. To invest your money in ULIPS, you must decide the investment amount, policy term and risk appetite to match your financial protection and goals. There are several different modes of premium payment. You can pay premiums monthly, quarterly, half-yearly, or annually. The longer you stay invested, the better your chances of higher returns. In the next post, we'll explore more about: ~What happens when the plan ends (maturity benefit) ~What your family gets in case of something unfortunate (death benefit) Till then, just remember: ULIP = Life Cover + Investment =Wealth Creation #FinancialPlanningTips #ULIPExplained #Innovation #Investment

67

1 Comment

The Union Budget 2025 outlines a strategic approach to sustainable economic growth, with a focus on infrastructure development, fiscal consolidation, and innovation. The fiscal deficit target of 4.8% for FY25, combined with ₹1.5 lakh crore in interest-free loans for states, supports regional development and public-private partnerships. A key highlight is the proposal to raise the FDI limit in the insurance sector to 100%, enhancing foreign capital inflows and sectoral competitiveness. The new income tax slabs, particularly the nil tax up to ₹12 lakh, will stimulate domestic consumption and savings. The budget also emphasizes technology and innovation, with initiatives like the deep-tech fund and AI-focused education. Rural development is prioritized through measures like the Makhana Board in Bihar and the National Institute of Food Technology. Overall, Budget 2025 effectively balances fiscal prudence with long-term growth, positioning India for a competitive global economy.

40

Japan Plans to Bring 50,000 Skilled Indian Workers to Tackle Labor Shortages Japan is addressing its aging population and workforce shortages by planning to accept 50,000 skilled and semi-skilled Indian professionals over the next five years. Announced on August 29, 2025, during the India-Japan Annual Summit in Tokyo, the agreement between Prime Ministers Narendra Modi and Shigeru Ishiba targets a two-way exchange of 500,000 personnel by 2030. This initiative focuses on sectors like healthcare, manufacturing, IT, agriculture, and semiconductors, where Japan faces a projected shortfall of millions of workers due to its super-aging society—over 34% of the population will be 65+ by 2040. The plan expands Japan's Specified Skilled Worker (SSW) visa and Technical Intern Training Program to all 16 categories in India, including new test centers and pre-departure Japanese language training. It also promotes internships via the "India-Japan Talent Bridge," joint research, and cultural exchanges to improve recruitment and retention. For India, this boosts skill development and remittances, while Japan gains talent for economic growth. A joint working group will oversee implementation, leveraging economic complementarities. This builds on prior pacts and aims to foster innovation and people-to-people ties. #Japan #modi #narendramodi #India #SkilledWorkers #Migration #WorkAbroad #LaborShortage #GlobalWorkforce #JobsAbroad #EconomicTies #InternationalRelations #WorkInJapan #GlobalTalent #Employment #Immigration #BilateralRelations #FutureOfWork #WorkforceDevelopment #GlobalJobs #InternationalWork #TalentMobility

191

15 Comments

LIC will not cut agent commissions despite ITC loss, unlike many private insurers trimming payouts by ~15%. It will offset losses via higher sales & new product pricing, while passing full GST relief to policyholders. With 95% of business driven by 15 lakh agents, LIC holds a strong 63.51% Q1 FY26 market share; PSU general insurers too are absorbing ITC losses without commission cuts. This comes after last year’s cut in 1st-year agent payout post surrender value revision that had hurt policy sales of LIC. #LIC #GSTFreeInsurance #InsuranceForAll #AgentNetwork #PolicyholderBenefit #PSUInsurers #CustomerFirst #LifeInsurance #InsuranceReforms #MarketLeadership

112

8 Comments

For decades, Indian insurers had only one homegrown reinsurer: GIC Re. It was the backbone of risk management in India, holding the first right of refusal and managing 39% of the obligatory business in the country. Against this backdrop arrival of Value Attics Reinsurance, backed by Kamesh Goyal (Oben Ventures) and Prem Watsa (Fairfax Financial Holdings), is a long overdue shake up. But keep in mind, breaking monopoly on paper is not the same as breaking it in practice. Real test will start now. First and biggest challenge is capital strength. Reinsurance is not just another insurance vertical. it’s a high stakes, capital hungry business where trust is built over decades. With ₹210 crore in initial capital, Value Attics is stepping into a market where global players like Munich Re and Swiss Re operate with deep reserves, precise risk models, and decades of data driven underwriting expertise. Therefore to be truly competitive, it must scale aggressively, secure top tier credit ratings, and build global reinsurance relationships, none of which happen overnight. Then there’s regulatory friction. IRDAI’s rules still grant GIC Re the first right of refusal, ensuring that a large chunk of India’s reinsurance business remains locked with the state giant. If Value Attics is forced to wait for scraps, the idea of competition remains an illusion. Therefore regulator must rethink obligatory cession rules and create an open, risk sharing ecosystem where competition is not just encouraged but enabled. Third challenge? Expertise (For sure). Reinsurance requires specialized actuarial skills, advanced risk modeling, and international market experience. Truth be told India has a severe talent gap in these areas, and Value Attics cannot afford a slow learning curve. It must invest in global talent, build AI driven underwriting systems, and adopt predictive analytics to compete on equal footing. My final thoughts… This moment is a breakthrough, but it’s far from a revolution. Real disruption will only come if capital barriers are broken, regulatory hurdles are reformed, and India’s reinsurers truely evolve into world class risk managers. If Value Attics can achieve that, it won’t just challenge GIC Re. it will transform India’s insurance future. And I am for sure : hopeful ! Refer attached article for detailed insights.⬇️ #Insurance #Reinsurance #IRDAI #GICRe #ValueAttics #GoDigit #FairfaxFinancial #LinkedIn

107

27 Comments

The Unified Payments Interface (UPI) system in India has indeed overtaken Visa in terms of daily transaction volume worldwide, and it did so very rapidly — within about nine years of its launch.

448

8 Comments