Share market study

In share market you can buy and sell stocks to earn money with proper study of stock you want to purchase.

There is intraday and delivery trading in share market.
Intraday trading deals with buying and selling of stocks on the same day, during the trading hours that are stipulated by the exchange.
In Intraday the cost of brokerage is low and you receive margin profits the same day.

Delivery Trading is, if we buy shares today and sell them after 1 day whenever we want.It is the one of the secured ways of trading in stock market.
Customer can take delivery for undefined period and need not sell them on the same day with loss, even if the market price of share value reduces. This is a kind of long-term investments.

Example if we buy a share of Tata with Rs 100 and we purchase total 500 share that is we have to pay 500*100=Rs 50000 and sell it when the share price goes to Rs 110 ,
so we will get 500 * 110 = Rs 55000 that is we will get 10% profit
Make the overall study of the share you are going to purchase with its all information and management with all the market depth.

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There is NSE and BSE

The National Stock Exchange of India Limited (NSE) is the leading stock exchange of India, located in Mumbai.
The NSE was established in 1992 as the first demutualized electronic exchange in the country.

The Bombay Stock Exchange BSE) is an Indian stock exchange located at Dalal Street, Mumbai.BSE is established in 1875 is Asia's first stock exchange
Bombay Exchange was founded by Premchand Roychand.

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Initial public offering (IPO) or stock market launch is a type of public offering in which shares of a company are sold to institutional investors and usually also retail (individual) investors;
an IPO is underwritten by one or more investment banks,who also arrange for the shares to be listed on one or more stock exchanges.

A new fund offer (NFO) is the first subscription offering for any new fund offered by an investment company.
A new fund offer occurs when a fund is launched, allowing the firm to raise capital for purchasing securities

Solved - LIFE INSURANCE PRODUCTS

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LIFE INSURANCE PRODUCTS 


Question 1
What does inter-temporal allocation of resources refer to?
I. Postponing allocation of resources until the time is right
II. Allocation of resources over time
III. Temporary allocation of resources
IV. Diversification of resource allocation
Answer : II. Allocation of resources over time

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Question 2
Which among the following is a limitation of traditional life insurance products?
I. Yields on these policies is high
II. Clear and visible method of arriving at surrender value
III. Well defined cash and savings value component
IV. Rate of return is not easy to ascertain
Answer: IV. Rate of return is not easy to ascertain

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Question 3
Where was the Universal Life Policy introduced first?
I. USA
II. Great Britain
III. Germany
IV. France
Answer : I. USA

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Question 4
Who among the following is most likely to buy variable life insurance?
I. People seeking fixed return
II. People who are risk averse and do not dabble in equity
III. Knowledgeable people comfortable with equity
IV. Young people in general
Answer: III. Knowledgeable people comfortable with equity

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Question 5
Which of the below statement is true regarding ULIP’s?
I. Value of the units is determined by a formula fixed in advance
II. Investment risk is borne by the insurer
III. ULIP’s are opaque with regards to their term, expenses and savings
components
IV. ULIP’s are bundled products
Answer: III. ULIP’s are opaque with regards to their term, expenses and savings

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Question 6
All of the following are characteristics of variable life insurance EXCEPT:
I. Flexible premium payments
II. Cash value is not guaranteed
III. Policy owner selects where savings reserve is invested
IV. Minimum Death benefit is guaranteed
Answer: I. Flexible premium payments

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Question 7
Which of the below is correct with regards to universal life insurance?
Statement I: It allows policy owner to vary payments
Statement II: Policy owner can earn market-based rate of return on cash value
I. I is true
II. II is true
III. I and II are true
IV. I and II are false
Answer : III. I and II are true

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Question 8
All of the following is true regarding ULIP’s EXCEPT:
I. Unit holder can choose between different kind of funds
II. Life insurer provides guarantee for unit values
III. Units may be purchased by payment of a single premium or via regular
premium payments.
IV. ULIP policy structure is transparent with regards to the insurance expenses
Component
Answer : II. Life insurer provides guarantee for unit values

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Question 9
As per IRDA norms, an insurance company can provide which of the below nontraditional
savings life insurance products are permitted in India?
Choice I: Unit Linked Insurance Plans
Choice II: Variable Insurance Plans
I. I only
II. II only
III. I and II both
IV. Neither I nor II
Answer:  III. I and II both

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Question 10
What does unbundling of life insurance products refers to?
I. Correlation of life insurance products with bonds
II. Correlation of life insurance products with equities
III. Amalgamation of protection and savings element
IV. Separation of the protection and savings element
Answer : IV. Separation of the protection and savings element

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Question 11
 Which among the following is a non-traditional life insurance product?
I. Term assurance
II. Universal life insurance
III. Endowment insurance
IV. Whole life insurance
Answer : II. Universal life insurance

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Question 12
Which of the below statement is incorrect?
I. Variable life insurance is a temporary life insurance policy
II. Variable life insurance is a permanent life insurance policy
III. The policy has a cash value account
IV. The policy provides a minimum death benefit guarantee

Answer : I. Variable life insurance is a temporary life insurance policy

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