Insurance

Equity

Bond

MUTUAL FUNDS

Mutual fund companies are generally included in the definition of investment advisors, but stockbrokers are not as they receive fees from commissions and not asset-based compensation. Most investment advisors charge either a flat fee for their services or a percentage of the assets being managed. Generally, there are very limited conflicts of interest between investment advisors and their clients, because the advisor will only earn more if the clients' asset base grows as a result of the advisor's recommendations and securities selection.

What are the 3 types of mutual funds? 

How equity, fixed income, and money market funds dominate. Mutual funds can generally be placed into one of three primary categories: equity, fixed income or money market. Many investors will diversify their portfolio by including a mix of the three.

INSURANCE

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. 

An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship. 

The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer from the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risk, especially if the primary insurer deems the risk too large for it to carry. 

CORPORATE FIX DEPOSIT

A corporate deposit is an interest bearing deposit bank product offered to corporate banking customers by banks and accredited financial institutions.Corporate deposit target customers can include large commercial companies, public institutions, government agencies and large non profits. 

Corporate Deposit Meaning:

A corporate deposit is an interest bearing deposit bank product offered to corporate banking customers by banks and accredited financial institutions.Corporate deposit target customers can include large commercial companies, public institutions, government agencies and large non profits. It contrasts to retail deposits which are held by consumers and business deposits that are held by SMEs. Corporate banking clients may use this type of product as a cash management solution when managing the optimal mix of liquidity and returns of surplus funds as it may provide an investment stream.

How to invest

A good investment advisor or a mutual fund distributor is able to connect the investor's need with the features of the various schemes & recommend a portfolio accordingly.