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Aditya Shah Profile picture
@AdityaD_Shah
Jun 29 • 14 tweets • 4 min read • Read on X
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Debt Mutual Funds

So many categories of Debt Mutual funds like
1. Liquid fund
2. Short term fund
3. Gilt funds
and many more

Which one should u choose?🤔🤔

A thread🧵 on various types of debt funds and which one to choose?

Lets go👇 Image
What are debt mutual funds?

Mutual funds that invest in fixed income Image
Types of Debt Funds

Based on the fixed-income securities they invest in
1. Liquid
2. Overnight
3. Short term
4. Gilt fund
5. Banking and PSU debt fund
6.Dynamic Funds
7. Medium Duration Funds Image
Liquid Funds:- Image
Overnight Funds:- Image
UltraShort term funds:- Image
Short term funds:- Image
Medium Duration funds:- Image
Long Duration Funds:- Image
Dynamic Funds Image
Gilt funds:- Image
Corporate Bonds Image
Banking and PSU debt funds Image
Keep following me -@AdityaD_Shah as I write daily to make you aware around:
📈Personal Finance
📈Investing
📈Stock Analysis

Go to my profile and hit the bell icon🔔to always stay updated

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More from @AdityaD_Shah

Aditya Shah Profile picture
Jun 13
IRDAI issued a circular yesterday,
Increasing the surrender value of savings life insurance products

What are the changes and how do they affect you?

A thread🧵on IRDAI master circular on surrender value of life insurance policies

Lets go👇 Image
Products for life Insurers:-

Companies have two types of products
1. Savings Plan
2. Protection Plan Image
Savings Products:-

These combine investments with insurance

🏦Participating
🏦Non-Participating
🏦ULIP

Protection:-

Pure play life insurance plan:-

🏦Term Plan
🏦Annuity
Read 16 tweets
Aditya Shah Profile picture
Jun 6
National Pension Scheme(NPS)-A product for retirement!

Like the 401(K) plans in the US,
NPS an excellent tool for building a pension for your retirement!

A thread🧵on everything you need to know about NPS

Lets go👇 Image
What is NPS?

NPS is a voluntary retirement savings scheme laid out to allow the subscribers to make defined contribution towards planned savings thereby securing the future in the form of Pension.
In simple words, you contribute,invest in various asset classes to generate a pension corpus.

This pension corpus can be redeemed at 60 or retirement.

Applicant should be between 18 – 70 years of age as on the date of submission of his/her application
Read 25 tweets
Aditya Shah Profile picture
May 30
🚨IRDAI yesterday released a master circular on health insurance

From
🩺Cashless claim settlement in 3 hrs to,
🩺Getting products for all pre-existing medical conditions,
Some big changes were announced

A thread🧵on IRDAI master circular and what it means for u?

Lets go👇 Image
IRDAI is the insurance regulator.

It brings periodic changes to health insurance and directs companies to make changes so that people are served better

A circular was issued yesterday which made some big changes
Here is a simple list of changes Image
1/Insurers will make products available for
🏦All ages
🏦All types of pre-existing conditions
🏦Out patient Department(OPD),Daycare treatment and Home care treatment
🏦Disabled people Image
Read 15 tweets
Aditya Shah Profile picture
May 26
🚨Healthcare for All

Ayushman Bharat is a healthcare scheme by the government of India to provide affordable health insurance to citizens

What is Ayushman Bharat?
Who is eligible for the scheme?

A thread🧵on everything u need to know about Ayushman Bharat

Lets go👇 Image
What is Ayushman Bharat?

Ayushman Bharat is a health protection scheme to provide health insurance to citizens.

It provides insurance coverage of up to Rs.5 lakh on a family floater basis to beneficiaries every year in order to receive primary, secondary, and tertiary healthcare services.
Features of Ayushman Bharat:-

5 lakh cover/year on a family floated basis

Here is a broad summary of the scheme👇 Image
Read 9 tweets
Aditya Shah Profile picture
May 23
Paytm Karo!

In the last 3 months
Paytm has seen regulatory action and management exits!

Stock prices have seen a severe fall

The company announced results yesterday
The company has now changed its business model

A thread🧵on the business performance of the Paytm

Lets go👇 Image
Paytm IPO came amidst much euphoria about New age companies!

The Paytm stock has lost 5% from the listing date!

What is happening in the business?

Let's find out! Image
Some of the core businesses of Paytm:-

1. Payments
2. Lending
3. Cross-selling products like insurance, credit card
4. Brokerage Image
Read 21 tweets
Aditya Shah Profile picture
May 22
🚨From April 1,
IRDAI brought down the moratorium period in health insurance to 5 years

If u don't disclose cancer & buy the policy
Will the insurer not reject ur claim after 5 years?

A thread🧵on what is moratorium period & why the insurer can still deny ur claim?

Lets go👇 Image
What is the Moratorium period in health insurance?

Insurance Regulatory and Development Authority of India (IRDAI) in its guidelines on standardization of terms and clauses in health insurance said that after the expiry of the eight-year moratorium period, no health insurance claim can be rejected after this period

However this has exceptions,
The exceptions are proven fraud and permanent exclusions specified in the policy contract.
IRDAI further modified it to say

From April 1
After completion of sixty continuous months of coverage (including portability and migration) in health
insurance policy, no policy and claim shall be contestable by the insurer.

Effectively bringing down the moratorium period to 5 years.Image
Read 11 tweets

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