Financial Assets are presently invested sub-optimally

• Fixed Deposits & Insurance constitute majority (over 50%) of Financial Assets of a typical indian household
• While Insurance & Fixed Deposits have their merits there should not be an overdependence on these asset classes
• Insurance – Non transparancy about expenses charged in endowment plans has entailed extremely poor returns & widespread customer frustration
• Fixed Deposits – Yield low post tax returtns as these are not tax efficient instruments

THERE IS ROOM TO SIGNIFICANTLY IMPROVE RETURNS!