Money Tree. Advisors MONEY TREE WEALTH ADVISORS. MONEY TREE Wealth WEALTH ADVISORS. Partners for Life. Money Tree Wealth Advisors

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1 Money Tree MONEY TREE Wealth WEALTH ADVISORS Advisors MONEY TREE WEALTH ADVISORS Partners for Life

is your preffered Wealth Management partner.this venture was started in Early 2007 and by close of November we have been managing an AUM of nearly 1400 Crores.

2 is your preffered Wealth Management partner.this venture was started in Early 2007 and by close of November we have been managing an AUM of nearly 1400 Crores.The Managing Team consists of veteran from Banking and Wealth Management Industry. Our Chief Executive Mr Neeraj comes with more than a decade experience in Field of Banking and Wealth Management out of which nearly 8 years have been spent with CITIGROUP.Our Team consists of MBA from Premier school having proven expertise in portfolio management and Wealth Management. Wealth Advisory- Our Experienced and professional Team members with more than a decade of experience in Wealth Management advise you on the very aspects of Wealth Management right from your profiling, understanding your needs, your requirement analysis, your desired portfolio and suggestions. We believe in building wealth over a period of time by right investing. We Offer Following Services Mutual Funds Company Fixed Deposits Initial Public Issues ( IPOs ) Capital Gain Bonds ( 54 EC Bonds NHAI & REC ) GOI Taxable Bonds & NABARD Bond Tax Savings Infrastructure Bond Issues Non Convertible Debenture Issues Life Insurance General Insurance PMS Products Pure Gold Coins of Various Banks, Fixed Deposits, Post Office Schemes, Savings in PPF and NPS Enjoy Flexibility of Term and better Interest rates from Banks and deposits of NBFCs at high interest rates, NBFCs offering high interest rates with good safety ratings post office schemes, PPF investment provides compulsorily savings and gives best value of your money Invest in IPO through us, DEMAT Accounts, Enjoy Broking services in Capital, Derivatives and Commodities at low brokerage, Loans Advisory Depending your need and term and Financial Planning Covering all aspects through dedicated Financial Planning Manager and Forex Currency Changing Services

Mutual Fund Advisory Enjoy the multiplying of your wealth by investing in right fund, Make the best out of Systematic Investment Plan ( SIP), Fantastic Growth by right investing preserving your money

3 Mutual Fund Advisory Enjoy the multiplying of your wealth by investing in right fund, Make the best out of Systematic Investment Plan ( SIP), Fantastic Growth by right investing preserving your money simultaneously benefitting by rising markets, We help plan investing in mutual fund systematically and advise clients basis on their risk appetite For corporate clients we deliver advice on liquid Funds and FMPs so that they can make best out of debt markets A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost. Types of Mutual funds By Structure Open-Ended anytime enter/exit Close-Ended Schemes listed on exchange, redemption after period of scheme is over. By Investment Objective Equity (Growth) only in Stocks Long Term (3 years or more) Debt (Income) only in Fixed Income Securities (3-10 months) Liquid/Money Market (including gilt) Short-term Money Market (Govt.) Balanced/Hybrid Stocks + Fixed Income Securities ( 1-3 years) Other Schemes Tax Saving Schemes Special Schemes ULIP Retirement Planning Old age is your golden time, Enjoy it with your hard earned money which will work for you by investing in right pension plan. Remember this money will help you in times when you require them the most, Superannuation Planning needs to be done well in timein a proper way. The advantages of retirement planning include Avoiding a dramatic hit to your lifestyle post retirement Providing financial protection to your dependents and Most retirement accounts offer you significant tax benefits.

4 NEW PENSION SYSTEM (NPS) New Pension System is a significant social security measure initiated by the Government of India. The NPS, under the aegis of Pension Fund and Regulatory Development Authority (PFRDA), seeks to bring about a new dimension for Indian savers. NPS offers individual retirement account, a choice of savings and investment products with different asset allocations, professional fund management, centralized administration and enabling the transfer of pension account from one location or from one fund manager to another at low cost. Under NPS, the registration of the subscriber for Tier I as well as Tier II account can be done: Tier I Account: This is a non withdrawable account to which the Subscriber shall contribute his/her savings for building a retirement corpus. Tier II Account: This is a voluntary savings facility which provides liquidity to subscribers i.e subscribers will be free to withdraw their savings from this account whenever they wish. Salient features of Tier I account : 1. Available to every citizen on a voluntary basis (between years of age) 2. To provide old age income through systematic savings from the day you start your employment 3. Seeks to inculcate the habit of saving for retirement amongst the citizens 4. Reasonable market based returns over the long term 5. Flexibility to switch Investment options as well as pension funds 6. Facility for seamless portability and switch between Pension Fund Managers 7. Account can be operated from anywhere in India 8. Minimum amount per contribution is Rs.500/- and minimum contribution per year is Rs.6000/- 9. Minimum 4 contribution to be made by the subscriber in a year 10. On attaining the age of 60 years, the subscriber will be required to compulsorily annuitize at lease 40% of the pension wealth and the remaining 60% can be withdrawn as a lump sum or in a phased manner Salient features of the Tier II account are : 1. Voluntary saving facility 2. Tier I account is a pre-requisite for having a tier II account 3. Investment of tier I as well as tier II contribution under same PRAN 4. Minimum amount for activation Rs.1000/- 5. Minimum amount for regular contribution Rs.250/- 6. Minimum yearly tier II account balance Rs.2000/- 7. No restriction in withdrawal. Subscriber can withdraw any amount at any point of time from tier II account, Facility to shift funds from tier II to tier I account 8. Facility to provide separate bank account, scheme preference and nomination details

5 9. Facility to have separate fund manager for tier I and tier II account 11. No additional AMC For Tier I & Tier II accounts, subscriber can choose either the Auto Choice or Active Choice as an option for scheme selection : Auto Choice: NPS offers an easy option for those participants who do not have the required knowledge to manage their NPS investments. In case subscriber is unable/ unwilling to excercise any choice as regards asset allocation, the funds will be invested in accordance with the Auto Choice option. The subscriber will, however, be required to mandatorily indicate his choice of Pension Fund Managers (PFM). Active Choice : Subscriber will be required to choose asset class viz Equity, Government Securities and Corporate Bonds. The total percentage allocation should be 100 %. The percentage allocated to Personal Non Life Insurance Motor Insurance Cashless Claim Service over authorized network of garages across India. Avail a host of discounts No Claim Bonus, Discount for Automobile Association Members, Discount based on Age and Profession Comprehensive support through our dedicated customer support team A package Motor Insurance policy would cover the following:- Loss Of Or Damage To The Vehicle Insured: Loss or damage to your vehicle caused by any one of the following events Accident by external means Burglary, House Breaking or Theft,Fire, Explosion, Self Ignition, Lightning, Terrorism, Riots, Strikes, Malicious Acts Transit by road, rail, inland waterways, air or lift, Earthquake, Flood, Storm, Landslide or Rockslide Liability To Third Parties: The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle. Personal Accident Cover For Owner-Driver: The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability.

Entry Age: Single Trip: 6 months to 70 years Annual Multi Trip: 18 years to 70 years Family Floater: 3 months to 60 years Single Trip Asia Excluding Japan: 6 months to 70 years Rest assured on our

Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation.

6 Entry Age: Single Trip: 6 months to 70 years Annual Multi Trip: 18 years to 70 years Family Floater: 3 months to 60 years Single Trip Asia Excluding Japan: 6 months to 70 years Rest assured on our international travel assistance provider on call 24*7 Optimum Coverage at Low Costs Online purchase option available General Covers available across all our plans are as follows:- Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule. Emergency Medical Evacuation: Evacuation to the home country is covered up to the medical sum insured chosen. Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas Emergency Dental Expenses: Covers acute anesthetic treatment of natural teeth Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents. Accidental Death and Permanent Total Disability Common Carrier: The company will pay the sum insured specified stated in the schedule in addition to the sum insured specified under the Personal Accident Section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability.

7 Personal Accident: Compensation paid in case of death or permanent total disability caused to an accident. Flight Delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time. Trip Cancellation: Compensation for loss of personal accommodation or travel charges following the necessary and unavoidable cancellation of the trip due to death, serious injury or sudden sickness of insured or family member Loss of Passport: Expenses incurred in obtaining a fresh or new passport Loss of Checked Baggage: Compensation for the permanent loss of checked-in baggage Delay of Checked Baggage: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours. Personal Liability: Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured. Financial Emergency Assistance: Insurance cover is provided in the event of the Insured Person getting into a financial emergency due to theft, pilferage, robbery or dacoity of his/her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the Policy. Hotel Accomodation: Pays for the cost of Hotel accomodation, if the Insured Person sustains Bodily Injury or Sickness which directly and independently of all other causes results in a Hospital stay as an in-patient and misses his/her flight back to the country of residence. Hijack Distress Allowance: Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is traveling whilst on the trip abroad during the Period of Insurance. An allowance will be paid for each day of the hijack up to the limits specified under the Policy

Optimum Coverage at an affordable price Option to cover on Individual or Family Floater Basis Option to for an annual or two year policy Cumulative Bonus for each claim free year Provides

Process with minimum documentation and turn around times No Sub-limits on any disease, room rent, hospital charges and doctor fees Home Insurance Safeguard your priceless property and

8 Optimum Coverage at an affordable price Option to cover on Individual or Family Floater Basis Option to for an annual or two year policy Cumulative Bonus for each claim free year Provides Cost of Health Check up after 4 claim free years Cashless Claims Service across India at network hospital Income Tax Benefit Under Section 80D of the Income Tax Act Hassle free Claims Process with minimum documentation and turn around times No Sub-limits on any disease, room rent, hospital charges and doctor fees Home Insurance Safeguard your priceless property and possession with Protection for both your home structure and the household contents, Low Cost Optional Cover for Burglary including Theft and Larceny Avail upto 15% premium discount for Security Features

The policy covers:- Fire and Special Perils:-Building(Section I) and Contents(Section IA) Covers the structure of your home and contents against Fire, Lightning, explosion/implosion, Aircraft Damage

9 The policy covers:- Fire and Special Perils:-Building(Section I) and Contents(Section IA) Covers the structure of your home and contents against Fire, Lightning, explosion/implosion, Aircraft Damage Riot Strike, Malicious and Terrorist Damages Bursting and overflowing of water tanks, apparatus, pipes Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation Earthquake, Volcanic Eruption & other Convulsions of Nature Impact damage by rail/road vehicle and animal Subsidence and Landslide including Rockslide Missile testing operations Leakage from automatic sprinklers installations Bush fire The sum insured for the structure of the house is based on the Reinstatement Value. Quite simply, it would be the reconstruction cost of the house in the event of any loss/damage due to any of the insured events like Fire, Riots, Storm, Flood and so on. The reconstruction value for the structure is determined by the construction cost. This, however, would not include the cost of Land. The reconstruction cost is based on two parameters which are mentioned below:- Built Up Area of the House (Square Feet) Cost of Construction in your area / locality Life Insurance Advisory When it comes to your family you will settle for nothing less than the best, we at intellect money helps you to evaluate your needs through proper financial planning. In the world of today nothing is certain what helps us in being prepared for future in protection against any hardships. We provide you with best insurance solutions available so that you always have sound sleep,a popular saying describes Insurance is not for those who dies but for them who survives so need is to look at it differently, more than to be adequately insured and provide cover to family it is to plan and see insurance as Protection, Investment, Pension and Savings vehicle. To maintain your lifestyle at its best always insurance is the best tool taking care of you and your family all the time

10 Insurance It is primarily used as a financial protection against possible future losses or damages due to unforeseen events.one can buy protection, savings/investments, health and retirement plans from a life insurance company. Insurance is one of the best investments a person can do but in a long term, shorter term periods are generally meant more for protection plans and savings. Tax efficient Maturity benefits of most insurance policies are tax free under Section 10 (10D) and the premium paid is eligible for deduction under Section 80C of the Income Tax Act, Indian life expectancy has improved dramatically over the years due to availability of advanced medical facilities. However, a longer working life may not really be possible due to occurrences of life-style induced illness and high burn-out rate. The evolving demographic balance with plenty of young talent becoming continuously available may also be a deterring factor to a longer working life unless one is self employed. Consequently, our retirement life span could well be as long as our active working life span. This means that we have to build a solid corpus during our active life to maintain our life style for the long post retirement life if we are to enjoy the true meaning of the word retirement. Pension Plans help us build up our savings during our earning years and provide us a lump sum on retirement. This lump sum can then provide us a retirement income by investing in an annuity. A wide range of vehicles are available to fund future financial goals. These could be low risk low return instruments like bank deposits and small savings, or higher risk products such as equity, which can offer potentially higher returns. Insurance scores over other investment vehicles in the following aspects: Certainty Once a goal has been identified and a value for it has been crystallized, an insurance policy is an excellent vehicle to fund the goal. This is because one can rest assured that even in the unfortunate event of death or even critical illness, the sum assured will fund a future goal of the policyholder.

Flexibility Insurance products, especially Unit Linked Plans, provide flexibility in terms of asset allocation to suit specific risk appetites, policy durations, premium payment terms and fund

Depending on the time horizon of the goal, the return required and the investor s risk appetite, a broad spectrum of asset allocations between equity and debt is possible in a Unit Linked Plan.

11 Flexibility Insurance products, especially Unit Linked Plans, provide flexibility in terms of asset allocation to suit specific risk appetites, policy durations, premium payment terms and fund switching options. Depending on the time horizon of the goal, the return required and the investor s risk appetite, a broad spectrum of asset allocations between equity and debt is possible in a Unit Linked Plan. An investor may tailor his policy to suit his requirement. Most Insurance products offer good liquidity after the lock-in period to take care of any emergency requirement of funds. But they do have inherent deterrents in the form of charges to discourage unnecessary encashment. Very often an insurance policy is taken for a specific goal. This therefore can become a deterrent against utilizing these funds for any other purpose and also encourages continued contributions. Term insurance Term insurance is the simplest and cheapest form of life cover, which pays the sum assured on death. This is useful to simply provide for a family s survival in the unfortunate event of demise of the bread winner. This can also be used to cover repayment of any debt of a policy holder by simply assigning the policy to the creditor. Upon maturity or claim on the policy, the proceeds are paid to the creditor. Loan Cover policies are a variant where the sum assured keeps reducing in line with the loan balance.

Fixed Deposits INVESTMENT PLANNING Investment planning is all about selecting the right

financial Planning is the process of identifying, planning for, and meeting your life goals,

It allocates income to various types of expenses, while reserving a part of it for savings.

12 Fixed Deposits INVESTMENT PLANNING Investment planning is all about selecting the right investment strategy to help you meet your financial goals.financial Planning is the process of identifying, planning for, and meeting your life goals, through the proper management of your finances. It allocates income to various types of expenses, while reserving a part of it for savings. Standard Investment Options Cash Investments You pay a low rate of interest, but they are risky during periods of inflation. Examples: Bank deposits such as FDs, certificate of deposits etc.

Debt Securities It offers returns in the form of fixed periodic payments and possible increase in the value of your capital at maturity.it is a safer and more risk-free investment option than equity.

Stocks Buying stocks and equities makes you a part owner of the business and entitles you to a share in the company profits.however they are more volatile and riskier than bonds.

13 Debt Securities It offers returns in the form of fixed periodic payments and possible increase in the value of your capital at maturity.it is a safer and more risk-free investment option than equity. However, the returns are also generally lower than securities. Examples: Bonds, National Savings Certificate, etc. Stocks Buying stocks and equities makes you a part owner of the business and entitles you to a share in the company profits.however they are more volatile and riskier than bonds. Gold Coin Real Estate They involve long-term commitment of funds. Gains are usually generated through rentals or lease income as well as capital appreciation. Includes investment in residential and commercial properties. The two most important aspects involved in investment planning, that need to be considered while suggesting a product to your customer are: Understanding the need for capital growth or regular income Customer s risk appetite

PROPERTY MANAGEMENT SERVICES We also offer Property Services, Buy international properties in France,Italy and many more destinations, Holiday Homes in India and Beautiful houses.

What we offer to our clients is Best Deals & Best Prices Lot of Options in getting properties Non Discretionary and Unbiased Advice Clean Transaction Due Diligence in shortlisting of property and

14 PROPERTY MANAGEMENT SERVICES We also offer Property Services, Buy international properties in France,Italy and many more destinations, Holiday Homes in India and Beautiful houses.we cater to HNIs and we understand their needs to live and have properties at all beautiful places in the world. What we offer to our clients is Best Deals & Best Prices Lot of Options in getting properties Non Discretionary and Unbiased Advice Clean Transaction Due Diligence in shortlisting of property and personal visit We also shortlist international properties keeping in view of economy, employment,culture, environment,surroundings and stability. We at are committed to bring to you superior offerings with ethical advices, with dedicated relationship Team which have knowledge of each and every thing which will make sense to you

15 Adding Value to Your Life Today and Always 256 B, Nyaya Khand II, Indirapuram, Ghaziabad ( UP) Pin Mobile neeraj@moneytreewealth.co.in

CLAIMS FORM FOR OVERSEAS TRAVEL INSURANCE

Claim No.: I I I I I For office use only CLAIMS FORM FOR OVERSEAS TRAVEL INSURANCE Name of insured: I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I Policy Number: / / / Policy