Sir, yearly Salary 16 lakh hai , 25 years service ho gyee hai. Office se Pension 45 thousand per month milegi. Gratuity amount + leave encashment 15 lakh melega. Kya service se VRS le liya jaaye? And amount ko investment kiya jaaye? 4 lakh tax deta hu.Advice please.Age 45.
Mere agent ne jeevan akshay plan chipka diya jab mujhe finance ka gyan nahi tha. 21 lakhs leke 10000 pm ka pension plan chipkaya. Jab gyan aaya toh pata chala kitna ghatiya plan hai. Isliye maine is 10000 ko QUANT small cap fund me sip kardiya next 40 years k liye. Shayad 20 crore ban jayenge 40 saal me.
Jese aaj devloped country like usa, England mein interest rest 2% se kam hei india abhi devloping stage mein hei iseiliye interest thoda zyeda hai dhire dhire ye interest kam hoga na jan india devloped country ban jayega .so abhi iss type ki plan invest karke kyun na hum interest ko lock kar sakte hein .kya guarantee ye ki pension plan mein 20 years ke baad 6% interest rate pension milige.plz reply us sir doubt ko cleare kiye je.
Senior Citizen ke liye Immediate Annuity ka plan lena chahiye jaise ki Jeevan Akshay. Us se pehle Senior Citizen Saving Scheme ya PMVVY bhi better options hai. Maine videos bhi banaye hain inpe, aap search kar ke dekh sakte hain.
Guaranteed ajj kal kuch nahi....The Guaranteed word is enough to buy this Jeevan Shanti LiC policy.. Also till aftr death the amount gets return ed to your nomineee....please give full info
"Also till aftr death the amount gets return ed to your nomineee" - This is where you start losing money. There is also something important called as Time Value of Money. ₹7000 today are more profitable today as compare to ₹10000 25 years later.....
Not really. Not all other plans are market linked. There are 3 types of plans broadly. Also, Market linked plans "can" go to Minus but show me any plan.....any ....which is negative after 10-15 years on investment. Also, never mix Investment and Insurance.
tere kahne ka matlab hai hum mutual fund jaise platform pe paise ko duba de , jiski koi security nahi agr LIC me baba ji ka dhillu milega to kahan tu bol rha investment ke liye wahan baba ji ka ghanta milega band kar apna chanel because LIC is the best option chahe vo saving ho ya. risk coverage doston iski baat me mat ana ,isne jisme bhi investment ke liye bola sab bekar hai
So, aap ya to khud ya fir aapko koi kreebi jankar LIC ka agent hai. Aur isliye hi aap iski tareef krne mei lage. Baaki aapki language se pata chal raha ki aap actually investment ke baare mein kitna jaante. Khair, aapka ghar chal raha us se to aap keh sakte ki woh sahi. Lekin kisi ko galat baat bolkar paise kamane ko kya kehte - yeh bhi apne doston ko bata deejiye. 😊
Inhone jo bhi kaha sahi kaha hai...tum jaise faltu agents k chakkar me log LIC jaise ghatiya plans khareed lete hain aur time value of money lose karke gareeb ban jaate hain zindagi bhar k liye. Friends, never ever invest in LIC or any insurance policy. Only buy plain term insurance and invest most of the money in good quality Mutual funds for atleast 15-20 years.
Sir, yearly Salary 16 lakh hai , 25 years service ho gyee hai. Office se Pension 45 thousand per month milegi. Gratuity amount + leave encashment 15 lakh melega. Kya service se VRS le liya jaaye? And amount ko investment kiya jaaye? 4 lakh tax deta hu.Advice please.Age 45.
I am getting 4.9 percent from BOB on NRE account. Is it worthy to take Jeevan Shanti please advise?
Mere agent ne jeevan akshay plan chipka diya jab mujhe finance ka gyan nahi tha. 21 lakhs leke 10000 pm ka pension plan chipkaya. Jab gyan aaya toh pata chala kitna ghatiya plan hai. Isliye maine is 10000 ko QUANT small cap fund me sip kardiya next 40 years k liye. Shayad 20 crore ban jayenge 40 saal me.
@@religionofpeace782 kbhi bhi pic me nhi dalo paisa
Jese aaj devloped country like usa, England mein interest rest 2% se kam hei india abhi devloping stage mein hei iseiliye interest thoda zyeda hai dhire dhire ye interest kam hoga na jan india devloped country ban jayega .so abhi iss type ki plan invest karke kyun na hum interest ko lock kar sakte hein .kya guarantee ye ki pension plan mein 20 years ke baad 6% interest rate pension milige.plz reply us sir doubt ko cleare kiye je.
Sahi hai...lic me Interest rate Aaj leke wahi rahega...abhi bhi lic old policy holder ko 14%de Rahi hai....lic ke jankari chahiye to reply back
Thanks for your information.
Surrender value कितना हैं? अगर diferment period मे सरेंडर किया तो कितना वापस मिलेगा
Very well illustrated. Thank you
Very useful for taking action.
very nice information, I was looking deffered plan because I am 56, It is better to go MF till age 60..Thaks once again
Majboth Bideo Sir 👌 Thanks 👍
Nice sir thank you ☺️
Very nicely described. Thank you.
Well done sir! You are eye opener
Online purchase par 2% higher value + 2% online purchase insentive k bare me detail me samjaye.....
Very knowledgeable video
Sir please suggest if buying Lic Jeevan Lakshya is better/worse as compared to Lic term plan
What's your aim as both policies have different objectives.
Mam its a good plan for children ...If u want plz reply . I m lic advisor.
Gurantedy addition calculation before annity and aftor aunity calculation
Thanks for your guidance.well explain 🙏
Mutual fund me...jyada milega eski kya guarantee
If Deferment period is 1 year .. it's a good plan
What about 12 years intrest ?
What is the maximum age of entry for option D single premium.
Senior citizen ka 15 lac ka investment ka bataye.. monthly annuity kitni hongi.. senior citizen ke liye bhi defferement period honga?
Senior Citizen ke liye Immediate Annuity ka plan lena chahiye jaise ki Jeevan Akshay. Us se pehle Senior Citizen Saving Scheme ya PMVVY bhi better options hai. Maine videos bhi banaye hain inpe, aap search kar ke dekh sakte hain.
Sb log 12 salma hi ku defferd time batate hai lic ka Hi fayada karte hai 1 sal k bad joint portion kitni milegi
Good one
Excellent
Thank you so much 😀
😀😀😀😀😀😀sahi bola dada.
Pls specify immediately payment for person above 60 years
PMVVY Pension Scheme | Pradhan Mantri Vaya Vandana Yojana | ua-cam.com/video/hnNk3MrIzCE/v-deo.html
Also, you can invest in Senior Citizen Savings Scheme.
60 years above age me policy lene pe kya return banegi annually
aapko kaafi gya hai, aap hi bata do. mujhe to aapne channel band karne ki hidayat di na 😀
Guaranteed ajj kal kuch nahi....The Guaranteed word is enough to buy this Jeevan Shanti LiC policy..
Also till aftr death the amount gets return ed to your nomineee....please give full info
"Also till aftr death the amount gets return ed to your nomineee" - This is where you start losing money. There is also something important called as Time Value of Money. ₹7000 today are more profitable today as compare to ₹10000 25 years later.....
@@EveryPaisaMatters Agree!! so suggest which plan or scheme or fund can give timed value at that future time.....
@@afnanoman8492Any Mutual fund midcap and smallcap can easily give that returns.
I think 3 years different periods for single life is better than 12 years different periods. It’s nearly 6.5%.
Any benefit for NRE account holders?
No GST, because tax is already deducted in originating country
Agar hum 5 lac deposit karte hain 5 years keliye 60 years ke age me kitna milega after 5 years annual
Check online on LIC website using their calculator as it will depend on many parameters.
They are keeping our 10 lakha for 12 years and earning interest in it but not giving anything back.
If you are giving suggestions to take mutual fund or others. Why explain kevan shanti
Can you please share the excel sheet?
In Fd u can get 4 to 6 percent returns but not insurance
And that is why you should never aim for insurance to get investment like returns.
@@EveryPaisaMatters but investment plan does not give insurance also....
@@afnanoman8492 And which is why you should keep separate. Take Term Insurance and Invest amount via Investment options.
LIC three Generations nahi
Agle 500 sal tak milega pension grand son ke son
This plan is non linked to market vs all other LIC plans and market can go to even minus.....
Not really. Not all other plans are market linked. There are 3 types of plans broadly. Also, Market linked plans "can" go to Minus but show me any plan.....any ....which is negative after 10-15 years on investment.
Also, never mix Investment and Insurance.
Jab deffrement option hai to simple hai pension nhi milega usme baba ji thullu bonle ki kya jarurat hai
tere kahne ka matlab hai hum mutual fund jaise platform pe paise ko duba de , jiski koi security nahi
agr LIC me baba ji ka dhillu milega to kahan tu bol rha investment ke liye wahan baba ji ka ghanta milega
band kar apna chanel because LIC is the best option chahe vo saving ho ya. risk coverage
doston iski baat me mat ana ,isne jisme bhi investment ke liye bola sab bekar hai
So, aap ya to khud ya fir aapko koi kreebi jankar LIC ka agent hai. Aur isliye hi aap iski tareef krne mei lage.
Baaki aapki language se pata chal raha ki aap actually investment ke baare mein kitna jaante.
Khair, aapka ghar chal raha us se to aap keh sakte ki woh sahi. Lekin kisi ko galat baat bolkar paise kamane ko kya kehte - yeh bhi apne doston ko bata deejiye. 😊
Mutual fund me guarantee le sakhte ho aap
Inhone jo bhi kaha sahi kaha hai...tum jaise faltu agents k chakkar me log LIC jaise ghatiya plans khareed lete hain aur time value of money lose karke gareeb ban jaate hain zindagi bhar k liye.
Friends, never ever invest in LIC or any insurance policy. Only buy plain term insurance and invest most of the money in good quality Mutual funds for atleast 15-20 years.
Very well explained, thank you
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