You can sell any/all financial products you like. For eg. mutual funds, life insurance, medical insurance, post office schemes, bonds, etc. However, for long term growth you should focus mostly on mutual funds. Ideally, you should give 75% of your time to mutual fund selling.
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I think you should offer the cheapest option (whether online or offline) in the company you are comfortable with. If the cost difference is less than 5%, you may consider offline option under your agency code with a view to have better control on servicing issues. It is to be noted that you get reasonable commissions only in the first year. Renewal commissions fall greatly from 2nd year whereas the client continues to pay the same premium every year. This is not a good deal. You should consider to give this benefit to the client by recommending online term plans. Remember, if you take care of clients interest; clients will take care of you.
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There are no fixed rules for this and it depends on client to client and their circumstances. However, you can consider having investments in gold upto 5-10% of clients portfolio. The best way to invest in gold is through Government Gold Fund as it offers a fixed yearly interest also. Moreover, if individual investors hold till maturity, gains are tax-free. You can know more about Government Gold bond at this link https://www.masterstrokeonline.com/faq-category/sovereign-gold-bond
You can also consider to take a Mock Exam on Government Gold bond to test your knowledge. Go to home page and click on Mock Exams.
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Investment in NPS can be considered both for additional tax savings it offers as well as savings for retirement. It is a very good retirement product for clients. Also 60% of corpus can be withdrawn tax-free on vesting date. I think you must recommend NPS to your clients. You don’t make any commission by selling NPS but the client benefits. Remember; if you take care of clients, they will take care of you. Know more about NPS here.
* You can also take a mock exam on your knowledge about NPS on this website. Go to home page and click on Mock Exams on the navigation bar.
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Risk is always more in one time investment and when markets fall, clients may panic. Depending upon risk appetite and time horizon (if more than 5 years), you can go for lumpsum in large cap and multicap funds. Having said this, it is always better to invest through SIP and STPs.
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