PENSION MARKET

R. MOHAN
DRM
TN 5
HOTEL GREN PARK
7/11/2020
 RETIRE SMART – TOP SELLING BRANCHES
YTD Oct YTD Oct
Retire Retire Smart
Area Division Branch Branch Heads Smart Cashiered
Cashiered Rated
NOPs Premium (Cr.)
TN 4 Chidambaram Chidambaram Soundararajan S 117 2.41
TN 1 Coimbatore 1 Coimbatore 3 Robinson J 86 2.30
TN 2 Kumbakonam Kumbakonam A Kannan 83 1.30
TN 3 Kovilpatti Thoothukkudi Mahesh A 66 1.01
TN 5 Namakkal Virudhachalam S Prema 44 0.93
TN 5 Namakkal Namakkal Subhash Chandra Bose 70 0.88
TN 3 Nagercoil Nagercoil M Chockalingam 91 0.80
TN 3 Madurai 1 Madurai Somasundara Kumar A 44 0.69
TN 3 Tirunelveli Tirunelveli Sudalaimani M 64 0.66
TN 3 Madurai 2 Madurai 3 A Saratha Raja 55 0.62
SALEM Special Branch Salem D R. Murugesan 37 0.62
TN 1 Erode Erode Senthil Kumar R 44 0.60
 RETIRE SMART CONTRIBUTION TO BUDGET ACHIEVEMENT

YTD Oct
YTD Oct Retire
YTD Oct Issued % Retire Smart
Area Division Branch Branch Heads Net Rated + Achieve Smart Cashiered
WIP (Cr.) d Cashiere Rated % OF
d NOPs Premium RETIRE
(Cr.) SMART
PREMIUM
TN 5 Namakkal Virudhachalam S Prema 1.36 123.31% 44 0.93 68.47%
TN 4 Chidambaram Chidambaram Soundararajan S 4.42 125.03% 117 2.41 54.42%
TN 3 Kovilpatti Thoothukkudi Mahesh A 2.03 111.14% 66 1.01 49.71%
TN 1 Coimbatore 1 Coimbatore 3 Robinson J 4.96 106.77% 86 2.30 46.36%
TN 2 Kumbakonam Kumbakonam A Kannan 3.40 142.24% 83 1.30 38.08%
Subhash Chandra
TN 5 Namakkal Namakkal 2.34 129.13% 70 0.88
Bose 37.48%
Tiruchirapalli
TN 2 Pattukkotai Manikandan G 0.59 109.29% 21 0.17
1 27.86%
TN 5 Villupuram Villupuram Venkatesan S 1.71 106.51% 39 0.45 26.20%
TN 3 Kovilpatti Kovilpatti Soundarrajan S 1.97 105.26% 19 0.48 24.38%
TN 3 Kovilpatti Tenkasi G Arulmozhi Selvan 1.45 105.76% 29 0.32 22.12%
Two roads diverged in a wood,

I took the one less traveled by,

And that has made all the difference.

- ROBERT FROST
PENSION – THE UNDER TAPPED MARKET

WHY PEOPLE DON’T THINK OF

RETIREMENT
UNABLE TO VISUALISE EDUCATE THEM WITH THE RISK OF
THE INFLATION AND IMPROVEMENT IN
FUTURE LONGEVITY

1.RISING COST
:
 வாழும் வயது

life expectancy in India

Male 67.4,

female 70.3

Total life expectancy is 68.8

FALLING INTEREST RATES AND NEED FOR PASSIVE INCOME
BELIEF THAT FAMILY WILL EDUCATE THEM WITH DATA HOW
ELDERS ARE ABUSED BY THEIR OWN
TAKE CARE FAMILY
 BELIEF THAT THEIR EDUCATE THEM WITH THE
INCOME WILL NOT CEASE DANGER OF LOSING INCOME

SALARY – STOPS DUE TO RETIREMENT OR LOSS OF JOB

BUSINESS INCOME - RISK OF LOSS OF BUSINESS

AGRICULTUAL INCOME – RISK OF LOSS DUE TO CLIMATES

INTEREST INCOME – RISK OF RATE DECREASE

DIVIDEND INCOME – MARKET RISK AND LOWRING RATE

RENTAL INCOME – RISK OF NON OCCUPATION

 EDUCATE THEM EVEN A SMALL
NOT HAVING ENOUGH
INVESTMENT FOR A LONG PERIOD
MONEY NOW TO
WILL GROW IN TO BIG CORPUS –
INVEST
POWER OF COMPOUNDING

NO OF CORPUS MONTH
MONTHLY YEARS AT10% PENSION
3000 20 2300000 11500
5000 20 3800000 19000
6000 20 4600000 23000
10000 20 7700000 38500
 NOT HAVING IDEA ABOUT HOW PENSION PLAN
WORKS

BUILD UP PHASE PENSION PHASE

Longer the build up phase

Shorter the premium

START EARLY TO CREATE A BIG CORPUS

TARGET CORPUS 1 CRORE – PAYMENT TERM 10 YR – TARGET AGE 60

START AGE: 35 START AGE: 45 START AGE: 50

ANNUAL PREMIUM ANNUAL PREMIUM ANNUAL PREMIUM
2 LAKH 4 LAKH 6 LAKH
 PENSION

P- PASSIVE PERMANENT
E- EVER LASTING
N- NON STOP
S – SURE SHOT
I- INDEPENDENT
O- OWN LEGS
N- NO RISK
 USP OF RETIRE SMART

 101% CAPITAL GUARANTEE ON MATURITY

 105% CAPITAL GUARANTEE ON DEATH DURING POL TERM

 210% LOYALTY ADDITIONS

 1.5% TERMINAL ADITIONS ON MATURITY OR DEATH

 MORE FUNDS ARE INVESTED IN SAFE DEBTS

 FLEXIBLE PREMIUM PAYMENT TERMS

 60% COMMUTATION [TAX FREE]

 DIFFERENT PENSION OPITIONS

 AUM IN RETURNS SINCE
FUND PERCENTAGE
CRORE INCEPTION
PENSION BOND FUND II 7955 74.4% 8.9%

PENSION EQUITY II 2319 21.68% 9.82%

PENSION MONEY 418 3.9% 6.85%

MARKET FUND II

COMPOSITE RETURNS
9%
EXPECTED RETURNS
PLUS 10%
TRMINAL ADDITION 1.5%
 Pension

(Reverse Calculation)
 Family Expenditure
Provision 6500.00
Milk 1000.00
EB 500.00
Medical 1000.00
Petrol 1000.00
Rent 5000.00
Other Expenditure 1000.00
Fees 4000.00
Total Expenditure 20000.00
Cost in Last 20 Years
Tea 2.00 10.00
Petrol 15.00 80.00
Rice 10.00 60.00
Rent 2000.00 10000.00
Meat 100.00 700.00

In another 10 years
Tea 30 to 50
Petrol 300 to 500
Rice 200 to 300
Rent 20000 t0 30000
Meat 1500 to 2500
Corpus Required Annual ROI @ 6% Monthly Required Amount

Rs. 2,00,00,000 Rs. 12,00,000 Rs. 1,00,000

10 Yrs

Monthly Required
Corpus Required Annual ROI @ 6% Amount
Rs. 4,00,00,000 Rs. 24,00,000 Rs. 2,00,000
 Every year Total Premium for
Policy term How much do I have to Invest
premium 5 yrs

5 pay - 10 yrs 1/2 of your corpus should be

Rs. 40,00,000 Rs. 2,00,00,000
Term your premium

Total 4 Crs @9%

40 Lacs Premium
/ Every Year

Total 2 Crs

0yrs 5yrs 10yrs

 IMMEDIATE PENSION PLAN

130%

REFUND OF CAPITAL

AND

12% GUARANTEED PENSION FOR LIFE

 FOR DISTRIBUTORS
1. Huge Market opportunity

2. High Commission by high volume

EXAMPLE

25 LAKHS RETIRE SMART IN A YEAR [ AVG 2 LAKH PM]

AVERAGE TERM: 10 YEARS

TOTAL EARNINGS WILL BE: 6.5 LAKHS

3. EASY TO SELL AS THERE IS NO MEDICAL UNDERWRITNG

 JEEVAN SHANTHI SARAL PENSION RETIRE SMART  
AGE 50 AGE 50 AGE 50  

SINGLE
DEFERMENT PERIOD 10 SUM ASSURED 1300000 PREMIUM 1000000  
SINGLE PREMIUM 1018000 DEFERMENT PERIOD 10 TERM 10 YEARS  

RETURN
PENSION STARTS FROM 60 SINGLE PREMIUM 1031875 PERCENTAGE 8% 9%

FUND VALUE
ANNUAL GURANTEED ADDITIONS 85728 ANNUAL BONUS 45500 @10 TH YEAR 1834825 2012496

TOTAL BONUS PLUS ANNUAL

TOTAL GUARANTEED ADITION 857280 TERMINAL BONUS 523250 PENSION 98897 108474

PERCENTAGE
TOTAL VESTING VALUE 1857280 TOTAL VESTING VALUE 1823250 OF PENSION 5.39% 5.39%
ANNUAL GURANTEED PENSION 91400 ANNUAL PENSION 98273      

PERCENTAGE OF
PERCENTAGE OF PENSION 4.92% PENSION 5.39      
PERCENTAGE CLAIMED BY LIC 9.14%  
IN CASE OF DEATH AFTER 20 YEAR IN CASE OF DEATH AFTER 20 YEAR IN CASE OF DEATH AFTER 20 YEAR  
TOTAL VESTING VALUE 1857280
LESS PENSION PAID FOR 10 YEARS 914000 TOTAL VESTING
TOTAL VESTING VALUE 1823250 1834825 2012496
VALUE
BALANCE PAYABLE TO NOMINEE 936080
MINIMUM GUARANTON DEATH 1050000