productivity enhancement and retention solutions

© 2010 Money Tree Know more at money-tree.in

Productivity Enhancement & Retention Solutions

2291 77604 94035 • [email protected] MONEY TREE Wealth Creation Simplified

Are you striving to retain your Employees?

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Turnover leads to more turnoverCost of turnover

Loss of company knowledge

Interruption of customer service

Regaining efficiencyGoodwill of the company

RetentionStakes



Compensation

Growth

Environment

Support

Relationship

Why Quit?



Enhance Employee Retention and LoyaltyWith Money Tree Solutions



Money TreeMoney Tree is a Wealth creation and Management firm providing financial planning solutions aiming to make the lives of our clients unrecognizably richer in spirit and wealth.

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Revenue Generation

Secured Future

Wealth Creation

Money Tree is part of “ The Premier Association of Financial Professional ” MDRT – Global Accolade

● Decades of experience in financial services

● Disciplined Portfolio building approach

● Access to a flexible range of wealth management solutions

● A dedicated professional client advisor

● Customized regular updates to maintain transparency



Gift your Employees peace of mind

Employer – Employee

Key Man



Employer - Employee'Employer - Employee' suits both employer and individual employee needs. Above all, it is designed to save money for you, the employer.

Employer - Employee insurance is a special policy where the company takes insurance on the life of its employee.



Why should I opt for Employer-EmployeeAdvantages for the Employer

1. Builds loyalty and serves as a strong retention tool hence lesser turnover of employees

2. Incentive for prospective employees

3. Premium paid is an approved business expense

4. No-hassle administration: With case issuing, customer service and policy changes all taken care of by insurer, the program is easily implemented with limited administration

5. Exclusive tie-up: Employees appreciate the opportunity to purchase products that might otherwise not be offered to them

6. Portability: If an employee leaves the organization then he/she can take the plan with them without losing its benefits and continue to pay through direct debit

7. Financial security provided to the employees at a minimal cost

8. Cheaper than individual coverage option

9. Simplified enrolment process with no medical examination up to a certain sum insured



Why should I opt for Employer-EmployeeAdvantages for the Employee

1. Supplementary retirement benefits

2. Compensates for financial loss to family members/ dependants

3. Income Tax free benefits on retirement or maturity of policy

4. Individual ownership: Policy stays with them even if they leave the company. In the event of disability/reduced earning capacity, the employer could advance policy benefits to the employee through transfer/ assignment

5. Choices: Choice of coverage amounts that meet individual and family needs

6. Convenience: Premiums deducted straight from employee’s salary. Hassle free enrolment

7. Multiple policies: Employees may purchase insurance coverage on their spouse, children or grandchildren

8. Cheaper than individual coverage option

9. 24 x 7 coverage provided anywhere in the world



Why should I opt for Employer-EmployeeTax Benfits

Advantages for the EmployerUnder Section 17(2) (vi) of the Income Tax Act the premiums paid by the employer is not treated as

bonus/benefit. The premiums paid by the employer are treated as normal business expenses for

Income Tax purposes. Tax rebate under Business Expense will applicable here

Advantages for the EmployeeIn accordance with the current provisions of the Income Tax Act, 1961. Any benefits received as

maturity proceeds or death benefits are exempted from tax under Section 10(10D) also, the death

benefit is not taxed in the hands of the beneficiary under Section 10(10D) of the Income Tax Act



Key ManA ‘Key Man’ is a person in a business organization who is a major driving force behind the business and who is so unique and valuable in all areas of the business – contributing substantially to profits of the business that without him / her being present, there would be substantial loss to the company.

The key reason for opting for Key Man program is to compensate the loss arising from profit reduction for the company and cost to the company in replacing the key man in case of his / her retirement / death / resignation from the company.

The beneficiary in this case is the company.

To summarize it provides Financial Cushion to the company.



Why should I opt for Key ManAdvantages for the Employer

1. Contingency plan: In case of contingency, company will have ready cash available without disturbing the firm’s financial position

2. Protects company’s profits: For example, off setting lost income from lost sales, losses resulting from delay or cancellation of any business project the key man was involved in, loss of opportunity to expand, loss of specialized skills or knowledge

3. Guarantee fund: Ideal for anyone involved in guaranteeing business loans or banking facilities. Value of insurance coverage is arranged to equal the value of guarantee

4. Tax benefit: Firms can avail tax rebate on the premiums paid u/s 37 (1) of income tax act, 1961 as business expense

5. Flexible surrender options: In case of the key man retiring, the company may surrender the policy for its cash value or may assign the policy absolutely in favor of the key man. In this case the surrender value will be treated as perquisite in the hands of the employee and will be taxed accordingly



Top Corporates enrolled under this program



By valuing your Employees

Enhance your company value…



Money TreeAdvantages for YOU1 Dedicated Wealth Manager - personal one-to-one service and timely advise

Customized regular updates to maintained transparency

Tax Planning - for minimizing taxes and maximising returns

Investment Planning - diversified investment, risk proof portfolio management

Insurance Planning - Life, general, health, travel etc.

Retirement Planning - worry free retirement in line with your lifestyle

Equity Trading - advise on the right stocks at right time to maximise your wealth

Wealth creation - on a regular and long term basis to meet all your goals

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MONEY TREE Wealth Creation Simplified


It is not important how much you SAVEWhat matters is - how much you invest! Rather, Where you invest, -To achieve your dreams FASTER

In today's global market there is a need of continuous monitoring and professional management of your investment.


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Presenting Money Tree‘Risk comes from not knowing what you’re doing.’Warren Buffett

...Your Financial Advisory MONEY TREE

Wealth Creation Simplified 181891 77604 94035 • [email protected] MONEY TREE Wealth Creation

Simplified


© 2010 Money Tree Know more at money-tree.in

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