CHAPTER 1

INTRODUCTION OF AIM INDIA PVT LTD

1.1 ABOUT

Our identity as the leading provider of professional wealth advisory in India

and abroad, AIM India delivers a one stop solution/ service to achieve financial

independence. Our principle is to deliver high returns to our clients through our

network of government sector banks in India. Our comprehensive wealth management

is a high-level professional service that combines financial and investment advice in

accounting, taxation services and retirement planning. Our wealth management is

much more than just investment advice as we encompass all parts of an individual's

financial life.

We coordinate all the services needed to manage client's money and plan for

their own and family's current and future needs. We maintain and increase their

wealth based on individual's financial situation goals and comfort level with risk.

We at AIM India believes in dynamic culture and it is our goal to help the Individual

in dealing with the dynamism of environment whether it is related to their wealth or

expansion of business. Aim India Group is the leading advisory in India and abroad.

We at AIM India provide training/development programs in India and abroad. We are

having a team of exclusive corporate trainers. Our principle is to deliver high rate of

returns to our clients through our network of government sector banks in India.

Keeping in mind the most critical needs in today's context, we came up with wealth

Advisory firm to provide a customer expertise advice to achieve financial

Independence.

1
Address of New Delhi Branch:

AIM India PvtLtd

th
12 Floor, 1208 RG Trade Tower,

Netaji Subhash Palace, Pitampura,

New Delhi, 110034

Contact - +91-9999331698

1.2 FUNCTIONAL AREA

• Marketing

• Human resource

1.3 MISSION AND VISION

Mission - To become an organization that is knowledge centric and offers expert

advice to our clients.

Vision - Our vision is to deliver high rate of returns to our clients and to move

towards financial independence.

1.4 SERVICES

1.4.1Compliance Services

FIG 1 COMPLIANCE SERVICES

2
Our compliance experts have the complete knowledge of the corporate compliance

needs across jurisdictions in the territory. Non-compliance can result in fines and

imprisonment if one has no updates regarding important information. The compliance

horizon in the Asian jurisdictions is highly dynamic as most of the economies are on

verge of transition. AIM India will be a valuable partner for the companies having

intra-regional operations offering them compliance services/solutions for all regional

subsidiaries. We will leave you to concentrate on your core activities as we will be

providing you the following services:

• Company Constitution

• Meetings & Company Officers

• Maintaining Statutory Books & Registers

• Annual Filings with The Company Registrar

• Statutory Reporting

1.4.2 Accounting services

FIG 2 ACCOUNTING SERVICES

As the companies expand their business, accounting transactions gets bulky and

complex and accounting converts into a strategic function from primary function. At

AIM India, we will provide you customized accounting solutions as our accounting

experts possess regional exposure and extensive technical knowledge. Trusting a

regional expert with accounting is elementary to achieve control and transparency in

3
accounting through standardization of agenda. We have a leading edge of experienced

professionals and IT System to render smooth, co-related and comprehensive

reinforcement regionally. We are dynamic towards systems and solutions to stay

relevant to the changes in the region. Our proficiency will empower the enterprises to

expand by beholding the measured decisions. Our accounting services are:

• Accounting and Bookkeeping

• Statutory Reporting

• Payroll and Expense Claim Management Services

• Bank Account Reconciliation

• Corporate Tax Compliance

1.4.3 Taxation Services

FIG 3 – TAXATION SERVICES

Tax arrangement is dynamic and complex as it changes with the change of authority.

Its complexity increases in the nation where there is tax at every level. Companies

having cross border transactions need effective planning to minimize tax costs. tax

liabilities can be optimized by making effective structuring of business entities and

revenue models. A new enterprise will need a guidance to learn about the tax

incentives, withholding tax and transfer pricing formalities which is provided by the

tax professionals of AIM India Group. Our professionals are well possessed with the

4
analytical understanding of taxation which will help the client in managing the

Taxation regime of his business. Our main services are:

• Corporate Income Tax Returns

• VAT Returns

• Indirect Tax

• Withholding Tax

• Tax Optimizations

• Transfer Pricing

• Tax Advisory in M&A, Cross Border Investment, Tax Disputes etc.

1.4.4 Recruitment Services

FIG 4 – RECRUITMENT SERVICES

Customized strategies are developed from a deep understanding and observation of

organization's culture and its business objectives. Expansion in new markets or

recruitment for that market can only be done after having the full-fledged knowledge

of recruitment, remuneration and retention strategies besides the understanding of

regional work culture. At AIM India, you will find a network of efficient regional

consultants who will provide you the pathway towards seamless recruitment services

starting from identifying your potential clients to handling the immigration process, if

required. Our experts have the complete knowledge to provide valuable advisory in

5
the following matters:

• Candidate Search

• Profiling

• Interview Coordination

• Employment Contract

• Immigration

• Advisory Service

1.4.5 Consulting Service

FIG 5 CONSULTING SERVICES

Asia is gaining importance as global economic engine and with the introduction of the

concept of international business, every business in every country is trying to get

connected with each other despite of the regional differences. AIM India have a group

of consultants which provides due diligence to the different businesses regarding their

critical business decisions such as M&A, investment and expansion into the new

areas, etc. and we also help in identifying the new and effective sources of advantages

while avoiding risk. We mainly provide the following services:

• Corporate Development & Finance

• Investment

• People & Management

• New Market/Partner/Vendor Evaluation

6
 • Operations

• Technology

• Grant Assistance (for Indian & Foreign companies)

1.4.6 Insurance Service

FIG 6 INSURANCE SERVICES

Different types of business have different types of risks. For adequate coverage,

regionally settled businesses need a thorough understanding of their market so that

they can identify the potential risk involved. Natural disasters, political uncertainties,

epidemics, terror threats, technological threats are adding to the risks posed by

economic instability and competition.

AIM India have the group of insurers who provide the comprehensive coverage and

detailed risk assessment to identify the gap. Our insurers will also advise you about

the minimization of expenses on risk premium by providing the services to reduce

claims and they will help you in gaining the understanding of uninsured risks so that

you can avoid them. Our main services in this sector are:

• Risk Assessment

• Coverage

• Risk Management

7
 • Corporate Insurance – Property, Pecuniary, Liability and Group

• Political Risk

• Professional Insurance

• Financial Risk

• Trade and Credit Risk

1.4.7 Training & Development Services

FIG 7 TRAINING & DEVELOPMENT SERVICES

Effective training and development begin with the overall strategy and objectives of

the small business. The entire training process should be planned with specific

company goals in mind. AIM India helps in developing a training strategy, which will

be helpful to assess the company's customers and competitors, strengths and

weaknesses, and any relevant industry or societal trends. The next step is to use this

information to identify where training is needed by the organization or by individual

employees. It will help in conducting an internal audit to find general areas that might

benefit from training, or to complete a skills inventory to determine the types of skills

employees possess each job within the company should be delegated on a task-by-

task basis to help determine the content of the training program.

8
1.4.8 Internship Services

FIG 8 INTERNSHIP SERVICES

We provide domestic and international level internship. AIM India have a team of

experienced educational and training professionals who can provide training solutions

for clients to ensure that RPAS operations are effectively and seamlessly integrated

into their existing business systems. Our training specialists include technical training

specialists, formed high school teachers, university lectures and regulatory training

specialists. We have developed training manuals, conducted training needs analysis,

provided in-house training and produced online and e-training resources.

1.4.9 Mutual Funds

FIG 9 MUTUAL FUNDS

A mutual fund is a professionally-managed investment scheme, usually run by an

asset management company that brings together a group of people and invests their

money in stocks, bonds and other securities. As an investor, you can buy mutual fund

'units', which basically represent your share of holdings in a scheme. These units can
9
be purchased or redeemed as needed at the fund's current net asset value (NAV).

These NAVs keep fluctuating, according to the fund's holdings. So, each investor

participates A mutual fund is a professionally-managed investment scheme, usually

run by an asset management company that brings together a group of people and

invests their money in stocks, bonds and other securities. As an investor, you can buy

mutual fund 'units', which basically represent your share of holdings in a scheme.

These units can proportionally in the gain or loss of the fund.

All the mutual funds are registered with SEBI. They function within the provisions of

strict regulation created to protect the interests of the investor. The biggest advantage

of investing through a mutual fund is that it gives small investors access to

professionally-managed, diversified portfolios of equities, bonds and other securities,

which would be quite difficult to create with a small amount of capital. AIM India

will provide you all the updates and services regarding mutual funds so that you can

choose from the best available option.

1.4.10 Retirement Planning

FIG 10 RETIREMENT PLANNING

There are two components to retirement income planning: personal planning and

financial planning. Personal planning is important because it is the determining factor

of your satisfaction with your retirement lifestyle. Financial planning is crucial

10
because it identifies your sources of income and expenses and establishes your

retirement budget, based on your personal plan.

Personal Planning – All too often people entering retirement do not place enough

emphasis on personal planning to ensure they maximize their opportunities. So, AIM

India helps you at an early stage in your planning process and gives you time to think

about the choices you have, about how you would like to spend your time during

retirement. Financial Planning – Will you have adequate funds to provide the kind of

retirement lifestyle you envision? AIM India provides all the answer to the questions

you are having and help you in recalling that your income will likely come from three

general sources: government pensions, employment-related sources and your own

personal investments.

1.4.11 International Expansion Services

FIG 11 INTERNATIONAL EXPANSION SERVICES

Overseas market provides the opportunity to expand in the markets worldwide and

helps in identifying the opportunities related to new sources of revenue, access to new

talent, diversified risk and competitive parity. It is well known that

internationalisation is a complex process. At AIM India group, we have the specialists

who can provide the country level compliance services, accounting and taxation

services, payroll and corporal secretarial services. Aim India means to take your

11
company abroad for the expansion and will help in expanding your business in

Singapore, Malaysia and Dubai for a start.

1.4.12 Wealth Advisory Services

FIG 12 WEALTH ADVISORY SERVICES

Wealth management as an investment-advisory discipline which incorporates

financial planning, investment portfolio management and several aggregated financial

services. High-net- worth individuals (HNWIs), small-business owners and families

who desire the assistance of a credentialed financial advisory specialist call upon

wealth managers to coordinate retail banking, estate planning, legal resources, tax

professionals and investment management. At AIM India Group, we have the wealth

managers who have backgrounds as independent chartered financial consultants,

certified financial planners, chartered strategic wealth

professionals, chartered

financial planners or any credentialed (such as MBA) professional money managers

who will help you to enhance the income, growth and tax-favoured treatment for

long term.

Private wealth management is delivered to high-net- worth investors. We will also

guide you on the use of various estate planning vehicles, business-succession or stock-

option planning, and the occasional use of hedging derivatives for large blocks of

12
stock.

1.5 SIZE

Number of employees:

Aim India = 25

Insplore = 15

Branches = Bank of Baroda, Andhra Bank, India First Life

1.6 COMPANY OVERVIEW

 1,500 Clients

As the leading one stop solution provider for all the financial and investment

services, we serve over 1,500 clients all over the world.

 1,350 Interns

Being the only Company of its own kind, we have provided training to more

than 1,350 interns who got International Exposure as well.

 100% Compliance

We handle almost 7,000 compliance issues per annum we stay updated.

 PAN India Associates

Having more than 50 associates all over India, we provide quality in all the

services.

 Recruitment

Perfect matchmaker for talent and job roles. Also, providing job

opportunities in abroad.

13
1.8LEADERSHIP OF COMPANY

Head of the Organisation - Himalaya Sethi

Contact no. - +91 9992101010

Mentor (Marketing Head) – Tanya Dua

Contact no. - +91 9999331649

1.9 OBJECTIVES OF STUDY

 Analysis of the study shows that insurance is opted by most of the respondents for

the protection of family as prime motive.

 Analysis also shows that LIC is the most preferred insurance company by the

respondents.

1.10 METHODOLOGY

 Market research specifies the information required to address these issues; designs
the method of collecting information; manages and implements the data collection
process; analysis the results and communicates the findings and their implications.
For the survey a sample size of 37 was taken.

 The study is mainly based on primary data collected from the field survey using
pre- tested questionnaire. Secondary data were collected from various sources
such as journals, magazines, publication, and various websites including website
of IRDA. the published research reports and market studies also helped the
researcher to probe into the problem

The questionnaire was designed in such manner that it is self-explanatory, and the

data thus collected has been very comprehensive one. Then a task of tabulating the

whole data, editing the whole data and finally analysing the data was done to come

out with certain conclusion. The questionnaire consisted of 20 questions regarding the

awareness of insurance and private insurance companies.

14
 CHAPTER 2
SWOT ANALYSIS OF AIM INDIA PVT LTD

2.1 STRENGTHS

• Bank of Baroda is one of the biggest names in public sector banking in India

• Bank of Baroda offers number of services and products offered by the bank

• CBS implementation in its branches

• International presence adds to the credibility of Bank of Baroda

• Strong legacy of the bank since its inception in 1908

• More than 50,000+ people are employed with Bank of Baroda

• Acquisitions have strengthened the position of the bank in the Indian market

• Bank of Baroda has more than 5000+ branches and 10000+ ATMs

• Strong advertising and branding of the brand

2.2 WEAKNESSES

• Limited market share growth due to intense competition

• International presence of Bank of Baroda is limited as compared to global banks

2.3 OPPORTUNITIES

• International branches of Bank of Baroda give scope to expand in other economies

• Expansion in the rural areas to include the unbanked and under banked

• Bank of Baroda Caps can contribute more to the revenues

• Capturing the youth with internet services and apps.

2.4 THREATS

• New banking licenses by RBI can affect operations

• Foreign banks investing in huge numbers can reduce market share of Bank of

Baroda

• Online facilities are vulnerable to data leaks and loss of confidential information.

15
 CHAPTER-3

FUNCTIONAL ANALYSIS OF THE COMPANY

3.1 DATA ANALYSIS

In this chapter we study the analysis of the market on the behalf of the data collected

with the help of questionnaires. The sample size of the data was 52 in which 30 were

males and 22 were females. The data was collected from Central Delhi. Sample Size:

52 (Central Delhi).

Sampling Technique: Conveniently available.

TOOLS FOR ANALYSIS:

The tools that were used for analysing the data that have been collected through the

questionnaire and other sources are as follows:

1. Pie chart

2. Bar diagram

3. Column chart

3.2 ANALYSIS OF DATA

SECTION – A

I. GENDER

Table 1: Gender of Respondents

Gender Number of Respondents

Male 30

Female 22

16
 30

25

20

15
GENDER

10

0
MALE FEMALE

FIG 13 gender of the respondents

For the analysis of knowing the market scope of different sectors the sample I collect

have 30 males and 22 females.

II. . AGE:

TABLE 2 age of the respondents

Age Number of Respondents

Below 30 20

31 – 50 26

51 – 70 4

Above 70 2

30

25

20

15 AGE
10

0
BELOW 30 31-50 51-70 ABOVE 70

FIG 14 age of the respondents

17
The main age group of respondents were between 31 years to 50 years as they were

planning for future security. Then on second stage below 30 years old were more into

investment as to secure and savings and getting deduction in taxes.

III. OCCUPATION:

TABLE 3 occupation of the respondents

Occupation Number of Respondents Percentage (%)

Self Employed 6 11.5

Salaried 17 32.6

Business 22 42.30

Profession 5 9.61

Retired 2 3.84

2
5 6

SELF EMPLOYED
SALARIED
BUSINESS
17 PROFESSION
RETIRED
22

FIG 15 occupation of the respondents

The salaried persons have large number of investment interest as it helps in tax

deductions and future savings also. Then on second number business peoples stand to

show the interest in investment to cut down the taxes as well as providing social

security to employees as well.

18
IV. ANNUAL INCOME:

TABLE 4 annual income of the respondents

Annual Income Number of Respondents Percentage (%)

Up to 100,000 0 0

100,001 – 300,000 12 23.07

300,001 – 500,000 32 61.53

Above 500,001 8 15.38

8
12

UPTO 1,00,000
1,00,001 - 3,00,000
3.00.002 - 5,00,000
ABOVE 5,00,000

32

FIG 16 annual income of the respondents

The main respondent are the persons having annual income of 300,001 per annum to

500,000 per annum. In that group major reasons for investment is tax deductions and

having annually savings to gain interest as well as lowering the risk factor.

19
 V. ANNUAL SAVINGS

TABLE 5 annual savings of the respondents

Annual Savings Number of Respondents Percentage (%)

Up to 20,000 12 23.07

20,001 – 40,000 25 48.07

40,001 – 60,000 8 15.38

60,001 – 100,000 6 11.53

Above 100,001 1 1.92

1
6
12
UPTO 20,000
8 20,001- 40,000
40,001 - 60,000
60,001 - 1,00,000
ABOVE 1,00,000

25

FIG 17 annual savings of the respondents

The main respondents in this group in my networks was between 20,001 to 40,000 for

investment purposes.

20
 SECTION – B

1. DURATION FOR INVESTMENT WHILE BUYING ANY PLAN:

TABLE 6 duration of investment plan

Duration Number of Respondents Percentage (%)

Less than 1 year 10 19.2

1 – 5 year 30 57.6

5 – 10 year 8 15.36

Above 10 years 4 7.68

4
10
8
LESS THAN 1 YEAR
1 - 5 YEAR
5 - 10 YEAR
ABOVE 10 YEAR

30

FIG 18 duration of investment

The main respondents in my networks prefer mainly 1- 5 years plan for investment

21
 2. SECTORS WHICH HAVE HIGHEST INVESTMENT:

TABLE 7 sectors which have highest investment

S No Investment Sector Number of Respondents Percentage (%)

1 Share/Debentures 1 1.92

2 Mutual Funds 1 1.92

3 NSC/PPF/PF 3 5.76

4 Fixed Deposit 2 3.84

5 Insurance 8 15.36

6 Real Estate 22 42.24

7 Gold 13 24.96

8 Other 4 7.68

INVESTMENT SECTOR
11 SHARES/DEBENTURES
2
4 3 MUTUAL FUNDS
NSC/PPF/PF
13 8 FIXED DEPOSITS
INSURANCE
REAL ESTATE

22 GOLD
OTHER

FIG 19 sectors with highest investment

Gold has highest respondents for investment and then come to real estate market
which have second largest response for investment. Shares and Debentures and
Mutual Funds have the lower preference as it have highest risk factor.
22
 CHAPTER – 4

LESSONS LEARNT

4.1 ABOUT MY PERSONAL EXPERIENCE AT AIM INDIA PVT LTD

• When I started my internship, I knew little about marketing & HR which I learnt

from books but in this company, I got practical experience and learnt about the

professionalism in corporate. And now have got practical exposure too. The

opportunity given to us by the company helps me in getting prepared for the

future.

• Our mentors in company were very helpful. They motivated me, and this is a

unique quality of company. AIM India has a comfortable working place. The

company provides academic and practical knowledge.

• AIM India is a good opportunity for me to increase my knowledge and skills. I

have done a lot of task like money multiplier etc. and assignments were given to

us which helped us in gaining knowledge about different things.

• I have learnt basics of HR, taxation system and financial sector. There we’ve

learnt how we calculate tax in India and different tax slabs for different age

groups. Environment of office was good. We used to get assignments to complete

HR Module about how write an appointment letter, how to make pay slip, how the

placement takes place. We also learn about Sec 80c and 10 10(D). We underwent

different type of test during selection procedure.

• They make us so passionate for our goal that’s the good parts of this Live Project I

don’t think so any other Company will offer such a great opportunity to fresher.

Talking about our mentor, Ms Tanya Dua, she is a sales manager. But the way she

handles the class was mind blowing. No attitude, full of motivation and the best

23
 thing she never got irritated from our numerous questions. She was always happy

to answer our queries. Last but not the least, this internship is value addition for all

us trainees with lot of learning and experience.

• Before this internship, I was a shy and an introvert student. But now, I feel more

capable and confident like a professional in a corporate sector. Though there is a

long road ahead, but this was a very good start towards achieving my goals. I can

positively say, it was a very successful internship. Through this internship, I am

poised and competent to talk to strangers and in front of a crowd.

4.2 PRACTICAL KNOWLEDGE I GAINED DURING YOUR SUMMER

TRAINING

• FACTS TELL, STORIES SELL:

Whether you are an individual contributor in Sales or Marketing or you hold a

leadership position, you must have a healthy number of stories on tap for whatever

expertise you want to be known for. This applies to networking, meetings with

prospects, media interviews, on social media and in your writing. To put it simply:

Facts tell, stories sell.

• Getting over the fear of talking to new people:

Interacting with people daily makes me realize how valuable relationships are.

The larger my network is, the easier it will be for me to make new connections

• Dealing with rejection:

Whether in sales or not, everyone must face a lot of rejection in life. Losing an

opportunity never feels good, but sales makes us better at it.I primarily talk to

people who told me no, so I learnt not to take it personally. The thing to realize is

that when someone tells me no, they aren't saying no to me, they're saying no to

the idea.
24
• How to persuade without being annoying or pushy:

Learning how to ethically persuade people is an investment in every area of life.

There is a fine line between being pushy and persuading. People’s lives are

usually fine without our product. Every product exists because it is supposed to

help make someone’s life easier or better. The sales process is different for every

industry but learning how to inform people and allow them to be the decision

maker helps customer feel more comfortable when buying. Finding that balance

between persuading and helping is key.

• Listen more than you talk:

Another lesson I learnt in sales is to get your customer to talk more. When talking

with people I try to hear their problem and have a solution for them, even if it

means directing them away from our company if I can’t solve their issue. They

appreciated the help and understand that we’re there to help them. By listening

more than I talk, I learnt how to ask the right questions at the right time.

• Prioritization and self-discipline:

Prioritizing my time was difficult. Staying on top of everything was challenging

enough. It is hard to decide what to do to maximize my efficiency on the job.

Every decision I make had an opportunity cost to it. Getting the most from my

time at work makes me happier; this makes my co-workers and clients happier.

Taking one hour out of my day to organize and prioritize my work help to boost

my efficiency for whole week.

25
 BIBLIOGRAPHY

 https://www.google.co.in/search?rlz=1C1CHBF_enIN807IN807&ei=PRGBW5i0

FsrfvgS5uoaYAg&q=distribution+channel+of+STAR+COMPREHENSIVE+INS

URANCE+POLICY&oq=distribution+channel+of+STAR+COMPREHENSIVE

+INSURANCE+POLICY&gs_l=psy-sy-ab..0.2.380...0j35i39k1.0.C3_Ja-RELXQ

Accessed on – 30 July 2019 at 2:00 pm

 https://www.google.co.in/search?rlz=1C1CHBF_enIN807IN807&ei=FguB5GZB

MzSvgS7p56wDQ&q=distribution+channel+of+IndiaFirst+Simplec

Accessed on – 30 July 2019 art 3:00 pm

 https://www.google.co.in/search?rlz=1C1CHBF_enIN807IN807&ei=ewITgvATrj

IGICg&q=distribution+channel+of+india+first+life+insurance&o-

.3...31322.40415.0.40972.21.21.0.0.0.0.692.3716.0j6j5j1j0j2.14.0....0..

Accessed on – 30 July 2019 4:00 pm

 https://www.thehindubusinessline.com/money-and-banking/indiafirst- life-plans-

to-grow-agency-channel-with-high-quality- agents/article24513503.ece

Accessed on – 30 July 2019 5:00 pm

 http://www.aimincorp.com/ Accessed

on – 30 July 2019 6:00 pm

26
 APPENDIX

SECTION- A
I. NAME:

II. GENDER:

i. MALE
ii. FEMALE

III.AGE (in years):

i. Below 30

ii. 31 - 50

iii. 51 – 70

iv. Above 70

IV.OCCUPATION:

i. Self Employed

ii. Salaried

iii. Business

iv. Profession

v. Retired

V. ANNUAL INCOME:

i. Up to 100,000

ii. 100,000 – 300,000

iii. 300,000 – 500,000

iv. Above 500,000

i. Up to 20,000

ii. 20,001 – 40,000

iii. 40,001 – 60,000

27
 iv. 60,001 – 100,000

v. Above 100,000

SECTION - B

1. WHAT ARE THE OBJECTIVES OF INVESTMENT?

i. To provide for retirement

ii. For tax deduction

iii. To meet contingencies

iv. For children education

v. For purchase of asset

vi. other

2. DURATION FOR INVESTMENT (can choose more than one):

i. Less than year

ii. 1 – 5 years

iii. 5 – 10 years

iv. More than 10 years

3. HOW MUCH LEVEL OF RISK/SAFETY YOU CAN TAKE:

i. No Safety

ii. Low Safety

iii. Medium Safety

iv. High Safety

v. Very High Safety

4. RATE OF RETURN EXPECTED WHILE INVESTING:

i. Low Return

28
 ii. Moderate Return

iii. High Return

iv. Very High Return

5.RANK THE PREFERENCES IN WHICH YOU WANT TO INVEST:

S.NO. INVESTMENT SECTOR RANK

1. Share / Debentures

2. Mutual Funds

3. NSC/PPF/PF

4. Fixed Deposit

5. Insurance

6. Real estate

7. Gold

8. Other (please mention)

29