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| Home> For
Individuals> Savings & Investment Plans> Safe Investment Plan II |
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| In this policy, the
investment risk in the investment portfolio is borne
by the policyholder. |
| Overview |
| Investing in stock markets
is both inviting as well as intimidating for most.
Whenever you take a financial decision, you want
to be sure that it not only multiplies your hard-earned
savings, but also protects your capital from any
potential losses. |
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 Why
An Ideal Plan |
| Kotak Safe Investment
plan is the ideal investment plan for you with its
unique 'Seal of Guarantee' offer that not just gives
you the best of bull markets but also eliminates
any capital loss in falling markets. Now, investing
in markets will never mean that the worst is behind
you. |
| Advantages |
- Unlimited upside potential with no downside
market risk
- Wide range of six funds to suit your requirements
- Flexible Risk Cover option depending on your
need
- Add to your investments any time through easy
Top-Ups
- Tax-free switching to help you maximize returns
- Easy liquidity through facility for partial
withdrawals
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| Key
Features |
 Wealth
Maximization Avenue |
Kotak Safe Investment
Plan is a market-linked plan with a choice of six
fund options to balance your risk profile with the
tenure of your investment :
- Guaranteed / Dynamic Money Market Fund –
0.6%
- Guaranteed / Dynamic Gilt Fund – 1.0%
- Guaranteed / Dynamic Bond Fund – 1.2%
- Guaranteed / Dynamic Floating Fund Rate Fund
– 1.2%
- Guaranteed / Dynamic Balanced Fund –
1.3%
- Guaranteed / Dynamic Growth Fund –
1.5%
Our financial acumen & expertise would ensure
that your investments maximize with protection of
capital. |
 Seal
of Guarantee (Maturity Benefit) |
| You make the most of
your investments by enjoying the unlimited upside
potential from bull markets, while the Guaranteed
Maturity Value ensures there is no downside
risk in case of falling markets. At the time of
maturity, higher of Guaranteed Maturity Value^ or
fund value in the Main Account; plus fund value
in the Top-Up Account will be payable. In a nutshell,
"Bulls you win. Bears You win". |
 Protection
for your family (Death Benefit) |
In the unfortunate event
of death, your beneficiary would receive the sum
assured (less any relevant withdrawals) or the fund
value in the Main Account, whichever is higher,
plus market fund value in the Top-up account.
This plan offers you the following two life cover
options to choose from:
- High Cover-Policy Term X Annual Premium
- Low Cover- 5 X Annual Premium
The plan also offers additional cover by way of
7 riders. |
 Flexibility
to manage your plan |
- Increase your contributions any time throughout
the term of the policy by way of easy top-up
facility*
- Option to withdraw maturity proceeds in a
lump sum or in pre-defined installments over
a period of five years after maturity
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| Tax
Benefits |
| Tax Benefits can be
availed under section 80C and 10(10D) of Income
Tax Act, 1961. Section 80D of the Income Tax, 1961
will apply in case Critical Illness benefit is opted
for. Tax benefits are subject to change in tax laws.
Please consult your tax advisor for details. |
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| For
more details on terms and conditions please download
the product brochure. |
UIN
No.: 107L021V02 |
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^Guaranteed
Maturity Value is applicable only where all premiums
are paid on time.
*Subject to terms & conditions of the policy.
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