Another important point to note is buying this type of insurance is very easy. For investing in Mutual funds you need to do KYC which many people find difficult to comply. Insurance industry makes ONLY people who are selling the product Rich at the cost of Customer.
Its high time the government dirs sonething to ban these ulip pkans and do something good for the investers.i was cheated by the bank manager itself in sbi life retire smart
Ppf la life cover iruka why Pls don't create false Our government itself promoting insurance Except India all other countries insurance is mandatory don't post such videos it's making people to think not buying insurance Insurance is must for all to protect their families
1 lakh premium ku 10 lakh coverage vaangi sandhosama neenga vena irunga.. Mattavanga term insurance la low premium katti more than crore coverage eduthukattum.. LIC agents tholla thaanga mudiyala pa
I’m paying with policy bazaar Bajaj goal assure since last 2.5 years and the current return is 15.6% per year. I’ve invested 290000 (paying 10k every month) and now the current value is 381839. So I think this 91k profit in 2.5 years is still better than fd or ppf. Also same like mf
One of the worst advice you are giving bro... tell me what are all the charges in ulip ?? Bro, when you are not aware of a product in depth or just because u had a bitter experience... dont confuse others...
Sir-All products had a advantage and disadvantage,people only should be select the matching product.Dont put your eggs in one basket,ithuthan ivestmentkuu theva ..and term insurance ITR file pandravagalukku mattum than kidaikuthu ippa.
I see many types in PLI. Some pure term policies may be good. But when insurance and investment is clubbed, for example endowment policies, it may not be good.
Bro I decide to do investment banker or financial advicer to help people to invest in a good investments that is right or not aa bro if I want to do investment banker what degree or course I want to take it want to make a better Indian citizens to invest better and live the life better this is my one of my dream bro please reply bro.
Investment banking is different from financial advisor. Please read about various career options in linkedin and career development oriented youtube channels, before you decide. By the way, what are you studying now?
@@thinkingtamizha007 I am currently finished 12th std and learning more and more about investing in UA-cam and searching about the best career to carry on bro .
Can you please tell us about "SBI Retire smart plus". They don't have GST and insurance (purely investment product), but have many charges including mortality, fund allocation, etc.. I want your suggestions on this product. I got it a day back. If it is not good, I will come out of it because I have a free look period. I will consult with you personally too if you are charging
Hi bro..I have also been trapped and already invested in ULIP HDFC LIFE SANCHAY PAR ADVANTAGE and paid premium for 1 yr...How can I come out of it , without losing my capital...
@@thinkingtamizha007 Bro, thanks for your information. Will you suggest us to cancel that though I have some reduction. Else, shall I continue it since I have been trapped already
@@8825607802 Hi... You have to take the decision on your own. What you can do is 1) Calculate the rate of return in your current plan 2) Calculate the returns from other investment options and tax saving options that you prefer and deduct that loss that you may incur by cancelling your current plan Based on this you will have to decide which is better for you and which suits your requirements. Read about other investment options. We already have spoken about PPF, EPF. There is a ton of information available on various investment options in the internet.
Hi, We will speak about future of cryptocurrency. We dont trade in Crypto, so it would not be right thing to talk about crypto trading without doing it. Meanwhile you can see our video on cryptocurrency - ua-cam.com/video/FyYIyXHEaPQ/v-deo.html
*Am plan to purchase TATA AIA sampoorna raksha 2, pls suggest* Death benefit - 1 cr (common to all companies) But what i am expecting from you where i can get accidental insurance (90L if public transport*2) Part & Partial disability (90L if public transport*2) where am on live with that accident without job. That time 90L will very helpful and am getting apart from 1 cr.. In this point am i correct,pls confirm..
Appo nenga solratha partha both plan not good ;Crt ah sir then how agree with India government. Bcz people kku benefit illa tha product allow pandranga. Financial minister every year life insurance kku tax exemption guide line announcement pandraanga sir. Sari nenga solra pola PPF, MF kku entha risk illaya. PPF last 30-40yrs kku enna rate of interest koduththanga solla mudiyma interest rate fixed ah irukkuma?. MF la risk factors ethuvum illaya sir? atha pathi ethuvum sollala?
I tried the calculating option in the same way as you suggested. The IRR is hidden in Guaranteed returns but as per your calculation once premium paying periord(28 to 47 age) is over the 1st year (48) is 5% but after 12 years (age 60) it is 12%. Now is this a good plan? Please suggest
Calculate how much you are getting if you close in between and how much you can gain from making same amount of investment in other better options like mutual funds, NPS or PPF. If you are gaining, you can close it. Generally if you close early, your losses will be less.
Sales panravanga nalla vailaye vadai suduvaanga brother. Check the returns on paper, do calculation on ur own, check the charges. And btw, there will be big penalty if you want to stop in between or withdraw.. sometimes half amount kooda kedaikadhu. Be very careful.
Bro i have one doubt please advise. I got call from policy bazar today avanga solranga tata aia flexi cap insurnace iruku 2k monthly soli 5 years pay panuna after 5 yrs aprm 20 years hold pani vacha namaku bulk ah sum amount kidaikum is it trustable? And idhu panalama. Tata aia flexi growth fund life insurnace avanga sonaga maximum 22% rate of interest also.. After 20 years kalaichi amount claim panrapa
22% mutual funds and stocks la kedaikradhe romba rare.. dont get lured by their talk.. ask clearly what is IRR of guaranteed return.. and ask for proofs and document guaranteeing the returns.. else drop it.. Watch this full video. We have shown how to calculate IRR and all problems associated with these products..
@@thinkingtamizha007 bro and one more doubt bro, mutual funds la nama invest panromna nama 25 years panrom na nama 25 years pay pannnum apdi thama but intha mari insurance la 5 to 10 years solranga athuku aprm pay pana theva ila solranga so apo idhu best kidayatha
The IRR Here is 5.20 percent....After 20 years we are getting it means it would be a good deal right...Because if you see interest rates trends in india for past 10 to 20 years it reduced to half from 12 to 6....so in next 20 years interest may go to 2 to 3 percent.
In the past it has increased as well.. look at bank FDs.. they are around 6% and will increase further.. if you want good returns, there are bonds, debt funds, equity funds, shares etc.. i will never waste my money in an endowment plan or a ULIP
@@thinkingtamizha007 Already millennials and D-Gen people are avoiding saving habits and people like you misguided youths for fantacy speculative returns but there also people will Break at any time the investment and they become "Broke".Even PPF has floating interest rate but you didn't mention it. Creating regular cash flow is a system even 6.1% is best when you have such systems. Don't spoils people peace of mind. Make them to work until they die
I understand the returns are less in insurance but what about the risk in mutual funds. Do people hold it for long time to achieve their goals. Does mutual fund help a person like pension plan?
How will then people put money in these plans if one cant do it in mutual funds.. better to put in fixed deposits at 7.5% return or put in ppf or nps.. instead of these crappy endowment and money back plans at 5.5% IRR..
Thank you for your detailed video. It really helped me in getting a very good visualization. But there was another point bought up by the sales person but i havent validated it yet. Do ULIP returns are exempted under sec 10d while mutual fund returns arent is that the case?
Never mind brother.. got the info from some of your previous comments. I understand returns arent great. Only if these information was easily available to public a decade ago would be atleast an eye opener for many
They wd have told sec 10(10d).. in this section, you ll get total maturity amt without tax. But this is not a useful point because 1) ppf, epf, nps with better returns are by default tax exempt on total maturity amt(without 10(10d) section) 2) returns in ulip and guaranteed return plans are so low that ltcg is not applicable
Brother enna kuda veetuku vandhu 1lakh emathitanga, OTP vangi emathitanga avangale backend la debit panni enna ennamo solli 2yrs la money double apdi solli ulip plan a vithutanga Naa summa vidala nalla kathi Anga Inga alanji freelook cancellation panniruken mail potu, these guys scam for money commission mattume ₹14000 pothu, idha scam a panitu irukanga, still money varala freelook cancel a kuda
Sir one doubt. I saw the returns in guaranteed income is fully tax free. Is that correct? But in fd or mutual we have tax at maturity. In that way is ulip or guaranteed return better ?
@@thinkingtamizha007 thanks for your reply. Yes sir I already taken ppf. Additional to ppf and sukanya samriti , I want to invest say 5 to 10k per month. which is better sir ulip or mutual fund.
I dont know abt individual polices. But any plan which has both insurance and investments - you need to be cautious. You need to ask following qs 1) what will be actual investment - including gst 2) actual irr including gst in investment.. generally its around 5-6% 3) long lockin period
@@raguelango003 Make sure you have considered GST. For e.g if 1 L is investment in first year, you actually have to pay 1,04,500 rupees in 1st year. And incase of bonuses, it will get credited only at the end. till then u cant use it. Do calculate carefully. Mostly these wont cross 5-6%
Actually, i don't like this kind of insurance plan. Best Term insurance, Health insurance idhu podhum. Money back plan elam waste. I have fallen into this trap because the bank manager asked me to invest then only they can give the bank locker.
Nanum yemanthuten bro. Last year tax exemption option kektu ponapo ULIP plan 75,000 per year ku poda vachitaanuga. ipo continue panradhaa.. apdiye vitutu 5yrs aprama potta 75k mattum eduthuklama therila
Look at the returns you may get via ULIP., penalty amount and compare with the returns you get via other investments.. You have to take the decision on your own analysing the above..
@@robinsons7386 It is already explained in the video.. either you are a half boil who havent seen the video fully or you are a sales shark who sells ULIP and get hefty commissions.
@@thinkingtamizha007 hefty commission ??? This itself shows how you are ... hope, u r aware of industry and its commission thoroughly... I am arguing, u r explanation is wrong..
@@robinsons7386 Dont comment with hidden agenda. if you say there are no commissions, share links of ULIPs terms & conditions without mortality charges
Unga parents entha plan la invest pananga , evla amt invest panaga? ULIP locking period 5 yrs ea 4 yrs la close panaga nu solra apdi pana mudima , teliva pesu avan sonan ivan sonanu solatha
Anna nenga rombha clear explain panringa. Please continue ur service
Nicely presented with practical calculations; Everyone should improve our financial literacy, is a correct statement ; Thank you for your video
Great video 👍 Even I fallen in this trap!!!
Another important point to note is buying this type of insurance is very easy. For investing in Mutual funds you need to do KYC which many people find difficult to comply. Insurance industry makes ONLY people who are selling the product Rich at the cost of Customer.
அருமை நண்பரே, ஓய்வூதிய திட்டம் எவ்வாறு திட்டமிடுவது எப்படி வேலை செய்கிறது என்பதை விரிவாக சொல்லுங்கள்.
Hi brother neenga insurancea marandhuteenga ippa naan verrum 1latcham dhaan kattiirruken vechikuvom adutha varusam accidentla irrandhu ponna,avunga en kudumbathuku 10 latcham varraikkum tharuvenglae ,endha FD,entha RD yila ippadi irruku.
Is mutual funds has life coverage don't create false video
Investment is own risk,yout ready to take risk invest in the marketting product,
Its high time the government dirs sonething to ban these ulip pkans and do something good for the investers.i was cheated by the bank manager itself in sbi life retire smart
I like the way you explain and effort you are taking to show data through few tool(excel,pp)🤝☺Thank you sir
Banks and insurance companies always think about looting people money!! Thanks for creating awareness!!
You are doing a great job. Thank you.
Thanks for the info brother
Ppf la life cover iruka why
Pls don't create false
Our government itself promoting insurance
Except India all other countries insurance is mandatory don't post such videos it's making people to think not buying insurance
Insurance is must for all to protect their families
1 lakh premium ku 10 lakh coverage vaangi sandhosama neenga vena irunga..
Mattavanga term insurance la low premium katti more than crore coverage eduthukattum..
LIC agents tholla thaanga mudiyala pa
I’m paying with policy bazaar Bajaj goal assure since last 2.5 years and the current return is 15.6% per year. I’ve invested 290000 (paying 10k every month) and now the current value is 381839. So I think this 91k profit in 2.5 years is still better than fd or ppf. Also same like mf
Good luck.. You money your decision brother.
Thank you sir
👍
This deserves more views & likes ❤
But the Return is Tax Free?
Bro ULIP la HDFC TATA AIA Life Insurance 5 years thn bro Lock In period.... Athu nala erukumaa bro?
Ur thoughts please
Ella ULIP la yum charges undu!! So it is not a great investment method in my opinion.
@@thinkingtamizha007 apo Mutual Funds thn best aa bro?
No.. it all depends on ur objective. All I can say is ULIP and money back plans dont give good returns compared to others!
@@thinkingtamizha007 Thanks bro! I'll take ur advice!
One of the worst advice you are giving bro... tell me what are all the charges in ulip ?? Bro, when you are not aware of a product in depth or just because u had a bitter experience... dont confuse others...
Good information🎉term insurance pathi video podunga bro...
Now we can get how LIC become huge company even if it's PSU .
Sir-All products had a advantage and disadvantage,people only should be select the matching product.Dont put your eggs in one basket,ithuthan ivestmentkuu theva ..and term insurance ITR file pandravagalukku mattum than kidaikuthu ippa.
How about Postal Life Insurance for Professionals?! Is it same like LIC endowment plans..or is is beneficial
I see many types in PLI. Some pure term policies may be good. But when insurance and investment is clubbed, for example endowment policies, it may not be good.
Thank you for the concern on the society and a very good awareness video.
Thanks a lot.. helpful tips!!
Very Good Explanations and Efforts
Bro I decide to do investment banker or financial advicer to help people to invest in a good investments that is right or not aa bro if I want to do investment banker what degree or course I want to take it want to make a better Indian citizens to invest better and live the life better this is my one of my dream bro please reply bro.
Investment banking is different from financial advisor. Please read about various career options in linkedin and career development oriented youtube channels, before you decide. By the way, what are you studying now?
@@thinkingtamizha007 tq bro
@@thinkingtamizha007 I am currently finished 12th std and learning more and more about investing in UA-cam and searching about the best career to carry on bro .
Can you please tell us about "SBI Retire smart plus". They don't have GST and insurance (purely investment product), but have many charges including mortality, fund allocation, etc.. I want your suggestions on this product. I got it a day back. If it is not good, I will come out of it because I have a free look period. I will consult with you personally too if you are charging
Explain abt term policy
Hi bro..I have also been trapped and already invested in ULIP HDFC LIFE SANCHAY PAR ADVANTAGE and paid premium for 1 yr...How can I come out of it , without losing my capital...
I dont know if you can exit without loss of capital. There might be some reduction in your capital.
@@thinkingtamizha007 Bro, thanks for your information. Will you suggest us to cancel that though I have some reduction. Else, shall I continue it since I have been trapped already
@@8825607802 Hi... You have to take the decision on your own. What you can do is
1) Calculate the rate of return in your current plan
2) Calculate the returns from other investment options and tax saving options that you prefer and deduct that loss that you may incur by cancelling your current plan
Based on this you will have to decide which is better for you and which suits your requirements.
Read about other investment options. We already have spoken about PPF, EPF. There is a ton of information available on various investment options in the internet.
@@thinkingtamizha007 such an elaborative reply. Thank you
Now that plan is giving good returns
Can u create a video for trading in cryptocurrency,about its benefits and disadvantages...
Hi, We will speak about future of cryptocurrency. We dont trade in Crypto, so it would not be right thing to talk about crypto trading without doing it. Meanwhile you can see our video on cryptocurrency - ua-cam.com/video/FyYIyXHEaPQ/v-deo.html
Really awesome Video 💪.
*Am plan to purchase TATA AIA sampoorna raksha 2, pls suggest*
Death benefit - 1 cr (common to all companies)
But what i am expecting from you where i can get accidental insurance (90L if public transport*2) Part & Partial disability (90L if public transport*2) where am on live with that accident without job. That time 90L will very helpful and am getting apart from 1 cr.. In this point am i correct,pls confirm..
You are impeccable bro
Sir 110 vote dhane sir vandhurukku
Evlo votes vandalum, inda plans ellam useless than sir.
You're really great bro....Thank you so much !!! Keep going
Superb
Bro can You share the Excel sheet for better understanding
Best awareness video ever seen!!!!Thanks alot for your work....
Appo nenga solratha partha both plan not good ;Crt ah sir then how agree with India government. Bcz people kku benefit illa tha product allow pandranga. Financial minister every year life insurance kku tax exemption guide line announcement pandraanga sir. Sari nenga solra pola PPF, MF kku entha risk illaya. PPF last 30-40yrs kku enna rate of interest koduththanga solla mudiyma interest rate fixed ah irukkuma?. MF la risk factors ethuvum illaya sir? atha pathi ethuvum sollala?
Super bro.i like your sincere advice
Tru bro..👍👍👍👍
Super brother keep sharing like this
Thanks. Please hep spread awareness by sharing this with your friends who will be interested.
Risk coverage Patti sholavillayai
Bro GST amount kuraiyum first muttum Koda varum bonus lam calculation pannala
Super bro, ella unmai um potu odachutinga👍
Can you explain about sbi smart wealth builder ?
I have invested in SBI life wealth builder which i am getting 14%, above ppf
Inpossible.. even Mutual funds wont give that returns consistently.. pls check accurately..
LIC Life Market Plus Secure Fund 3 years return 10.22% five years 12.40%.... If you doubt check with policy bazaar....
Ur money. Ur investment.. good luck..
but dont try to sell poor investment products.. people earn money with lot of hardwork..
This type of videos less in youtube..good one
I tried the calculating option in the same way as you suggested. The IRR is hidden in Guaranteed returns but as per your calculation once premium paying periord(28 to 47 age) is over the 1st year (48) is 5% but after 12 years (age 60) it is 12%.
Now is this a good plan?
Please suggest
IRR is calculated for entire returns. Pls recheck ur calculations.. i ve not seen plans giving more than 6.5% IRR.. better to avoid
Thanks for the info bro
Hi bro , 15 days back Max life insurance la policy eduten bro safe ah that monthly 3k paying for 5yrs plan
Term policy or endowment ? What is life insurance coverage?
எஸ்பிஐ வெல்த் பில்டரில் நான் இரண்டு லட்சம் ரூபாய் வருடத்திற்கு செலுத்தும் விதமாக ஒரு பாலிசியை தேர்வு செய்துள்ளேன் இது சரிதானா சற்று தெளிவுபடுத்தவும்
I will generally not buy these for reasons discussed in the video.. you will have to understand the product in detail before taking decision..
எதுதான் நல்ல திட்டம்??
PLI ithula varuma bro 🤔
Bro how do we exit in the mid of investment.
If we exit do we get the amount after applicable charges.
Calculate how much you are getting if you close in between and how much you can gain from making same amount of investment in other better options like mutual funds, NPS or PPF. If you are gaining, you can close it. Generally if you close early, your losses will be less.
Good presentation
Information 👍
Nice bro 🤗
nandri❤
TATA AIA la 6 years premium panna next year laye 8% return varumnu soldranga bro ithu best aa??
Sales panravanga nalla vailaye vadai suduvaanga brother. Check the returns on paper, do calculation on ur own, check the charges. And btw, there will be big penalty if you want to stop in between or withdraw.. sometimes half amount kooda kedaikadhu. Be very careful.
Bro i have one doubt please advise. I got call from policy bazar today avanga solranga tata aia flexi cap insurnace iruku 2k monthly soli 5 years pay panuna after 5 yrs aprm 20 years hold pani vacha namaku bulk ah sum amount kidaikum is it trustable? And idhu panalama. Tata aia flexi growth fund life insurnace avanga sonaga maximum 22% rate of interest also.. After 20 years kalaichi amount claim panrapa
22% mutual funds and stocks la kedaikradhe romba rare.. dont get lured by their talk.. ask clearly what is IRR of guaranteed return.. and ask for proofs and document guaranteeing the returns.. else drop it..
Watch this full video. We have shown how to calculate IRR and all problems associated with these products..
@@thinkingtamizha007 bro and one more doubt bro, mutual funds la nama invest panromna nama 25 years panrom na nama 25 years pay pannnum apdi thama but intha mari insurance la 5 to 10 years solranga athuku aprm pay pana theva ila solranga so apo idhu best kidayatha
The IRR Here is 5.20 percent....After 20 years we are getting it means it would be a good deal right...Because if you see interest rates trends in india for past 10 to 20 years it reduced to half from 12 to 6....so in next 20 years interest may go to 2 to 3 percent.
In the past it has increased as well.. look at bank FDs.. they are around 6% and will increase further.. if you want good returns, there are bonds, debt funds, equity funds, shares etc.. i will never waste my money in an endowment plan or a ULIP
@@thinkingtamizha007 Already millennials and D-Gen people are avoiding saving habits and people like you misguided youths for fantacy speculative returns but there also people will Break at any time the investment and they become "Broke".Even PPF has floating interest rate but you didn't mention it. Creating regular cash flow is a system even 6.1% is best when you have such systems. Don't spoils people peace of mind. Make them to work until they die
I understand the returns are less in insurance but what about the risk in mutual funds. Do people hold it for long time to achieve their goals. Does mutual fund help a person like pension plan?
How will then people put money in these plans if one cant do it in mutual funds..
better to put in fixed deposits at 7.5% return or put in ppf or nps.. instead of these crappy endowment and money back plans at 5.5% IRR..
@@thinkingtamizha007 can you name a bank giving 7.5 % interest rate for fixed deposit now
Indusind bank for a tenure of 1 year.. IDFC bank..
Can you name an insurance product with more than 6.5% IRR?
Thank you for your detailed video. It really helped me in getting a very good visualization. But there was another point bought up by the sales person but i havent validated it yet. Do ULIP returns are exempted under sec 10d while mutual fund returns arent is that the case?
Never mind brother.. got the info from some of your previous comments. I understand returns arent great. Only if these information was easily available to public a decade ago would be atleast an eye opener for many
They wd have told sec 10(10d).. in this section, you ll get total maturity amt without tax. But this is not a useful point because
1) ppf, epf, nps with better returns are by default tax exempt on total maturity amt(without 10(10d) section)
2) returns in ulip and guaranteed return plans are so low that ltcg is not applicable
Watch this for more details
Insurance + Investment plans லாபமா? ஏமாற்று வேலையா? #endowmentplan #guaranteedincome #moneybackplan
ua-cam.com/video/JVwSQO2Dr5w/v-deo.html
Brother enna kuda veetuku vandhu 1lakh emathitanga, OTP vangi emathitanga avangale backend la debit panni enna ennamo solli 2yrs la money double apdi solli ulip plan a vithutanga Naa summa vidala nalla kathi Anga Inga alanji freelook cancellation panniruken mail potu, these guys scam for money commission mattume ₹14000 pothu, idha scam a panitu irukanga, still money varala freelook cancel a kuda
Complain to banking ombudsman, IRDA and RBI..
@@thinkingtamizha007 epdi complaint panrathu, irda grievance mail potu irukken, but RBI and ombudsman complaint epdi.
Other than the charges ULIP is a best investment
If there are so many charges that reduces returns, how will it be a good investment.
@@thinkingtamizha007 charges are returned back at the time of maturity in some insurance plan kindly analyse sir and suggest me
Hi siva bro u are best can I have ur contact
Sir one doubt. I saw the returns in guaranteed income is fully tax free. Is that correct? But in fd or mutual we have tax at maturity. In that way is ulip or guaranteed return better ?
It is tax free.. but returns are not great.. instead ppf is fully tax free at 7.1% interest rate
@@thinkingtamizha007 thanks for your reply. Yes sir I already taken ppf. Additional to ppf and sukanya samriti , I want to invest say 5 to 10k per month. which is better sir ulip or mutual fund.
@@prasi281 I will avoid ULIP.
@@thinkingtamizha007 thankyou very much.
@@thinkingtamizha007 bro, then what would be best for life insurence to avoid ulip.
bcas ulip I opted and now understood that it's not that great
Bro you are doing an excellent job!!
Bhima shree policy will come under which category? Is it worth it?
Can you help me with this?
I dont know abt individual polices. But any plan which has both insurance and investments - you need to be cautious. You need to ask following qs
1) what will be actual investment - including gst
2) actual irr including gst in investment.. generally its around 5-6%
3) long lockin period
@@thinkingtamizha007 I have calculated IRR as per your video,
The return rate was around 7.44%.
Will it be a good money back plan?
@@raguelango003 Make sure you have considered GST. For e.g if 1 L is investment in first year, you actually have to pay 1,04,500 rupees in 1st year. And incase of bonuses, it will get credited only at the end. till then u cant use it. Do calculate carefully. Mostly these wont cross 5-6%
Antha nalla investment ethunu konjam sollungalen
Explore our channel brother.. many investments and comparison we have discussed.
Actually, i don't like this kind of insurance plan.
Best Term insurance, Health insurance idhu podhum. Money back plan elam waste.
I have fallen into this trap because the bank manager asked me to invest then only they can give the bank locker.
This is a malpractice done by many back staff. you can complain to nodal officer
True.. most banks while asking for bank lockers only will sell such products
Bro.. dnt underestimate the any other products, current situation we can't predict the any other investments
In any kind of condition, the returns provided by ULIP and Guaranteed plans will definitely be worse than other investments
Great information explained in an easy and understandable way. Please explain which is the best way to save or invest money
Nanum yemanthuten bro.
Last year tax exemption option kektu ponapo ULIP plan 75,000 per year ku poda vachitaanuga.
ipo continue panradhaa.. apdiye vitutu 5yrs aprama potta 75k mattum eduthuklama therila
Look at the returns you may get via ULIP., penalty amount and compare with the returns you get via other investments.. You have to take the decision on your own analysing the above..
Can you explain me in what way ulip is worst ???
It has multiple commissions that eats your returns.. the insurance provided is inadequate..
If you are fully aware explain me the commission and charges... dont explain a plan with your half boiled knowledge..
@@robinsons7386 It is already explained in the video.. either you are a half boil who havent seen the video fully or you are a sales shark who sells ULIP and get hefty commissions.
@@thinkingtamizha007 hefty commission ??? This itself shows how you are ... hope, u r aware of industry and its commission thoroughly... I am arguing, u r explanation is wrong..
@@robinsons7386 Dont comment with hidden agenda. if you say there are no commissions, share links of ULIPs terms & conditions without mortality charges
Unga parents entha plan la invest pananga , evla amt invest panaga? ULIP locking period 5 yrs ea 4 yrs la close panaga nu solra apdi pana mudima , teliva pesu avan sonan ivan sonanu solatha
Ellam theliva daan pesirukom. 2 product la yum enna mukyamana matter nu solliachu.Unaku enna purila nu sollu.
Sir, TATA AIA Fortune Pro Ulip potu 3 months achu , continue pannalama , ila drop panalama. Ah