Saturday, July 21, 2012

Guidelines to Secure Savings and Share Stock Market Investment Information to Protect from Identity Theft. - Savings and Investment Security India


Here are some Required Guidelines to Secure Savings and Share Stock Market Investment Information to Protect from Identity Theft at Online Sources.

Saving bank accounts, Mutual funds, Ulips, Life Insurances, PPF, Security bonds, Fixed deposits, Equity market, National Savings Certificate, health insurance policies, Gold investment, future shares, EPF, Post office savings plans and schemes, Monthly income schemes and plans, NPS, Gold ETF, Future shares, Fund investments and share market investments also stock market investments are the some of best investment sources for saving the money in India.

Some of them provide security against investment and gives possible returns profits.While some of them show impact of share and stock market up and down on our investment and may results in either profit returns or investment losses.

The papers and certificates of these investment policies and plans should deposit in secured places or locations against thefts, losses and insect, book worming problems.

Here are some guidelines to secure savings and investment details from protection.

Among many of us think that the protection of savings and investment information is keeping those documents and certifications in secrete places and locations without intimating to other family members.
This is not the right one. All family members or at least one of the family members need to know the savings and investment information against unexpected happenings.

Primary Documents: These documents are generally for personal identification with having photo or image some may have not.

Ex: Birth day certificates, nativity certificates, marriage certificates, passport certification, voter identification, nationality identification cards, driving licenses etc…

For property transfer, these primary documents (not all) are necessary for person identification. So keep all these at one place to protect personal documents from thefts, losses and insect, book worming problems.

Insurance documents: Life insurance plans or life insurance policies are best protective shields from unexpected happenings like sudden death or accidental deaths, permanent disabilities, job losses due to crisis…etc……

Make a list of all insurance policies on a paper along with details of insurance policy name, premium details, premium payment amount details, term period details, nominee details, insurance company representative or agent contact phone numbers…etc.

Especially in the case of online insurance policies, online insurance premium amount payments etc…these detailed information need to know at least one the family members.
  
Especially keep the family health insurance policy cards in best available place for all family members.

Provident Funds: National Provident Schemes or fund or plans are best saving plans for future needs for personal as well family members. Do you know many of neglecting the PF to save money for future usage? 

I’m appreciating you if you are considering the PF schemes as best savings plans to save money for future needs for personal as well family members.

Note down all details of P F information like NPS- PF serial number, nominee details, EPF account number, PF branch office details on a paper.

Property and Assets Documents: Keep all property and assets documents in a safe place and note down all details like property or assets value, nominee details, insurance information of property or assets etc…

Bank Accounts: nowadays having more than one bank account is becoming necessary.

If have more than one bank account, note down all bank account details like account number, belonging account category (saving or current or any other type), nominee information, locker number (if you have), deposited things like jewellery, gold, money, assets documents information etc…

Demat Account: Demat account is necessary one to invest money in stock markets and share markets. 

Account number, transaction details, investment details, depository participant details, broker or agent contact phone number, nominee information details and detailed information of purchased shares, stock market investment details should be noted down on a paper.

Other Alternative Investments: Many of us invest the money in traditional investment plans. Besides to traditional investment policies, we can invest our money in some alternate investment sources.

Note down the details of PPF account, post office savings information, saving certificates, mutual funds investment details, fort polio information, fund investment firm phone numbers, online transactional Photostat copies.  Keep these certificates or documents in a safe place and intimate to at least one of the family member to take care for them in protection.

Passwords: Password is the personal word generally used to login after registering an account. Don’t use general words like birth day dates, partner details, children details even your name, ex-lover name, phone number details…

We can use our native town name along with some numerical numbers, long phrases with numerical numbers etc…

We have to protect our passwords against security breaches, phishing, identity theft, identity fraud, hacking, email spamming, password leakage malwares, virus programs, online information theft incidents.

Note down all these investment details on a paper and intimate to one of elder family member who is taking care about all family members. Make this paper at least 2 or 3 Xerox (photo copies) copies and keep them at safest places in the home. 

This is helps the family members in emergencies and unexpected happening situations.

1 comment:

99information said...

Your stuff about Share Market Tips is really good.. thanks...