Jeevan Utsav LIC Plan 2023 | New Best Plan from LIC | Returns Calculator | Every Paisa Matters
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- Опубліковано 1 гру 2023
- Jeevan Utsav LIC Plan 2023 | New Best Plan from LIC | Returns Calculator | In this video we have calculated returns which are better than LIC Jeevan Utsav Policy 2023 in Hindi | New LIC जीवन उत्सव प्लान 871
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If we haven’t yet before - Hey 👋 An Engineer by education and a financial enthusiast by passion - I'm Amit, founder, managing editor and primary author of Every Paisa Matters. Through my videos here on this channel, I provide the financial knowledge in an easy-to-understand format make money matters simpler for you.
#lifeinsurance #Plan871 #jeevanutsav #जीवनउत्सव #प्लान871
#Insurance #LifeInsurance #lic #insurance
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Insurance is a protection against emergency. Hope all readers n watchers understand. In case of death after 1 year also LIC will pay 10 lakh₹. That's not case with other banks. Roi is also not sure as LIC said guaranteed.
That's the right point
No doubt your video is informative sir, But...
There are some issues you must highlight when you are comparing both Bank vs LIC.
1- What if a person dies in Initial years.?
2- What if the same person not that sound financially that his/her family may be looked after easily even if he/she expires early.?
3- What is the guarantee that the same ROI 7%(which is generally not even today) will be available even after 10 years when the consitent decline in ROI is evident, mostly all know that there was a time when ROI was even more than 12%?
4- What is the guarantee that banks maturity amount won't be taxed in future, meanwhile It really matters when a brand like LIC mention word "GUARANTEED".
I appreciate your hard work, but request you to please keep things same as they are/could be.
Your analysis is good, but please also keep that in mind that when someone likes the Shirt, there is someone who like T Shirt, it doesn't mean T Shirt is bad.
i hope u won't mind, rather will understand.
🙏
There is always a But or 2...
Kis private company ya bank ne inhe paisa diya
Bhai bura bura bolne ke liye bs
Valid point raised by @knowledgefactsfun5139. One should not compare without taking into consideration all the scenarios.
Why should one think that he will always be in the 0% tax slab.? And if a person is in the tax slab of 30%, then he will get lesser returns. Also extra 21% returns on death benefit is not that much beneficial to a person who is in the 30% tax benefit because he is earning that much extra already.
If you would have watched the complete video, you would have seen many tax brackets including 30% considered and all facts given. But alas, easy to spend 10 seconds in commenting than 10 minutes watching video.
@@EveryPaisaMatters
First of all Thanks for informing me about the impact of my comment that u had to reply not only once before 6 days but also twice and that's today.
And also thanks for indirectly suggesting me not to watch complete video onwards from next time.
As per your calculation people in higher tax bracket will get more guarantee income from this scheme compared to your scheme. Anyways very good explanation. Finally its LIC so you can expect only 5 - 6 percent returns.
आपका मतलब है कि एक बार policy लेकर निष्फिकर होने की बजाय
बार बार कुछ साल बाद यहां वहां परेशान होएं, रूपयों की गणना करें, tax काटें, जोड़े, घटाएं इत्यादि। मस्त plan बताया आपने।
I'm an Insurance Agent... I Appreciate n not Hate such a detailed work & kudos to your hard work... but... firstly who is soo systematic about investment they want/need simplified version of every investment possible secondly in this calculation there are too many (too many) assumptions & less guarantee...
In near future rate of interest will not increase, rather its going down by the trend. if we look back 30yrs ego , the bank interest rate was 12 to 14%, but now we are getting only 6.50 to 7% only and as per this trends after 10 to 20 yrs ,the ROI will may 2 to 4% So, considering these are the facts for long run ,LIC JEEVAN UTSAV is far better than BANK FD & RD.
Want to add more like risk & 30% tax adjusted returns will be more attractive than any investments. And also this plan is giving normal & accidental & disability coverage from day one. So my dear friends before taking any decision where to invest your hard earn money please consider those above mentioned facts & featurs.
Main bhi aisa hi coment karny wala Tha but u explain well
According this illustration lic cover risk of life assured 10 lakhs from day one but rd not cover any life risk jeevan Utsav is best
Hi Sir,
Great comparison, one concern that i can think of are the interest rates on RDs /FDs , Based on the historical pattern it may seem like these instruments are giving less interests decade over decade.
Do you think we can include the time varying interest rates in your excel calculations to simulate a real world scenario ?
U can add a tadka in sir's logic by minus just 10000 rs from yearly R.D and put this in Term Insurance.
Thanku Sir I'm going to execute this logic with my modification
How come you are sure that the banks will give 7% FD after 10 years... Seeing the global scenario the developed economies have max 2% bank interest...
And how are you sure it will be 2% after 10 years?
See, I don't know and you don't know which is why I GAVE THE CALCULATOR so that you can play around and make an informed decision.
4 Years back, we did not know about Covid and 2 years back we did not know when it will go.
For developing countries like India , it's next to impossible to provide 7% return after 10 years.
Yes we can't say the exact value, but it's just impossible to stay about your forecasted rate.
@@EveryPaisaMattersbut the policy is a guaranteed one which makes it more lucrative
@@anishbhardwaj5561 even with the guaranteed income you are making 6% return with LIC, even a simple safe PPF/NPS/SIP In Large Cap will provide better return, only a fool but LIC policies
Very good Question, if you consider the record from the last 5 years of ROI of Banks, after 10 years it won't even give 2%
Bhai mere jab 10 saal ke andar interest rate 9% se 6% hogaya toh agla 10 saal me 6% aur agar 10 saal me 3% Nehi to savings ka interest rate 2.8% milega. Aur udhar LIC guaranteed income de raha he.
Thank you sir ❤
Very good advice sir
what about risk coverage means insurance on LIC vs RD
Every amount you are saying is just assumptions, but in LIC policy every amount is guaranteed for whole life & tax free . Pls don't send these types of videos
Sir due respect with ur work agreed your calculation on paper is correct. My question is after 13 years of premium payment and deferment period would a person getting 7℅ interest which is highly not possible. In 2018 band fd was giving 9℅ sr scn and just check for 2005- 2008 ka bank fd int during that period. Investment should be spread across different products. Thank you
Why do you not download the calculator and play around to see what impact it makes. Its a FREE Calculator!!!
Ppf account me monthly same amount daal lo interest bhi jyada milega and tax bhi nahi lagega
As per your alternative, if any person dies in the first phase - will his family get that 10 lakh + accrued interest?, In the second phase & third phase, will the interest rate be 7%, possibility of the interest rate going down to 3-4% or even lesser. Hope you will reply this
Right
Namskar sir ji eske liye konsaaa plan Lena padega 40 present income ke liye please batna.sir ji
Better do sip in nifty and take term policy.
No .
You have to give extra attention in your money management... + Whenever your age go up you want a peaceful return .in your data .. Risk of interest rate involves...
Thanks sir but having doubt on interest rate assumption of 7% after 13 years that will continue forever with my limited knowledge it should not me more than 4-5% and also in LIC plan death benefit will start from next year if some mishap occurs whereas in RD method we have to wait till corpus grows
Agreed
Sir if after paying only one instalment of RD account unfortunate happens with the RD holder will the same benefit will be given as good as JEEVAN UTSAV ??
Please let us know.
Then why not take a Term Plan instead?
Gving 1Lakh premium to cover for 10 Lakh is a BAD CHOICE
@@EveryPaisaMatters How many term plans you took and from which companies
Very good analysis.
Sir utsav mai flexi income add kar ke bataye kaise benift h ya nhi
Sir can you make a video on Lic Index plus please
The XIRR for Jeevan Utsav plan is as below by age till 99 years if the policy is started at age of 35 and the premium term is for 10 years with amount of 1,11,050
At 65 years the ROI is 1.02%
At 81 years the ROI is 2.02%
At 90 years the ROI is 3.13%
At 94 years the ROI is 4.08%
At 97 years the ROI is 5.61%
At 98 years the ROI is 6.80%
At 99 years the ROI is 10.57%
So an individual needs to live for 99 years to enjoy the entire benefit of this plan. But our life span are not more than 80 years for current generation.
Lic products are not only for profit...you are only focusing on investment.....is this product customer have savings and risk cover along with guarantee returns and life time pension .....
Sir
Forex ke bare main batayiye,
Misleading....risk calculate nehi kiya...rd me 7% nehi milta hain..future me to nehi milaga ...
I bought recently for my girl ..its a good plan as per me..rest use ur own brain
7% is a dream rate..
Awesome explanation
Today investors only problem is they compare investments plan with insurance plans. Bhai aankhe Kholo aur Samjo ki investment or insurance hai kya
Please samjhaiye na.
Humne kab kaha ki samajhna nahi hai.
Excellent explanation sir but lic Insurance will secure the family, bank will not secure the family incase of early death happens right na. ...so pls don't compare with lic when you don't know , wt is Insurance and why we need to take saving plan with Insurance....
Your explanation is like don't buy car insurance, just save money when accidental happens that time you can utilize that money......
Just you started savings , immediately accident happen then what you will do...
Insurance must required with all the valuable things or investment...pls don't mind....
We can do this with Max Life Plan also? Commenting again on your video, you are critical about most of the LIC plans, when similar plans even worse are available available in the market.
This is hypothetical. What you mentioned that you can't guarantee or provide in writing to end user. However, LIC has given guarantee plus given in writing on a bond paper. Also agree with @knowledge1vardaan inputs.
Great. Kitne ki policy le rahe aap?
जीवन लाभ और जीवन उत्सव में कौन सी अधिक लाभकारी है
Please tell me
Hi kucch bhi smaza nahi
Confused kar diya
Deferment me LIC FD kais karne dega
LIC plans mix investment with insurance,both are different things thats why I avoid LIC policies.
Sir agar maine 16 year pay kiya after 3 year 19 year mai mujhe pay hone laga
Ab mujhe apna sum assured money puri leni hai 10 lakh to ye possible hai ...
Sir please HDFC dhan sanchay ko explain kre same way me please
Sir ,I watched ur videos.But Recurring Deposits intrest is taxable.Both RD & cumulative deosits Krna , uspe watch rakhna hi difficult hai sir.Log isiliye to Jeevan Utsav ko prefer krte hai.Online bhi Lic bhar sakte hai.AUR Lic Jeevan Utsav ko income tax benefit hai ,jo cumulative bank deposit ko income tax benenfit nhi milta ,ulta uspar tax lagega.
What happened when we planned for my children ..Is any premium waiver in your epm plan if any danger occur
Simple thing is - There is no obligation to invest any further and you can withdraw all your deposited amount without interest.
But in case of this plan, even in emergency situations,
you can't withdraw and will have to surrender or wait for Income period to start.
Please confirm 7% ROI guaranteed for each year or not
RD amount taxable.
FD will mature after 5-10 years then Reinvestment risk at low rates of FD.
1 lakh in Utsav will be guaranteed and also in Option 2 you can compound at 5.5%...if yiu dont want to withdraw 1 lakh every year
Tax has been considered but you will only agree if you would have watched the video. As I said - LIC AGENTS WILL HATE THIS VIDEO
@@EveryPaisaMatters Amit ji interest rate after 5 or 7 years 7% is Gauranteed interest in FD,PLEASE DONOT ASSUME,CAN YOU PREDICT FUTURE FD INTEREST RATES,PLEASE CHECKOUT PREVIOUS FD RATE FROM 2015-2023.
2 Years back Interest rate was 4.5%
Today it is 6.5%
Is it increasing or decreasing?
No one can predict future.
I have put my disclaimers.
If you think, it will go down, Buy it and lock money - No one is stopping you
बैंक के रेट गिरते जा रहे है कभी 14%थे , foriegn की तरह कम होते जा रहे है
India me kabhi bhi interest rate 5 se 6% se upar nahi jayega
Dekh lena
Iska video save kr ke rakh lo sab
Future ke liye
Sir, what about death is ther within 5 yrs.?? Jeevan utsav will give u 10 lakh₹. As well savings will not give u only ur saved amount. Rate kf interest can vary but jeeavn utsav will give u 10% Guaranteed.
Sir, aapne bahut achche se samjhaya h but kya aap RD/FD aur annual income interest jo rakha h usse kya mujhe puri jindagi ye income aayegi.. Plz video ke liye galat information se misguide na kare..
Lic jivan umang ke bareme bataye
IRR around 5.7%
I have seen many negative comments but either you believe or regret after you miss your valuable time of investment.
Best thing is: Take term plan and secure your family and remaining amount put in mutual fund.
Two points:
1.Can you guarantee that the Bank FD Rate will continue to be 7% after 13 years? No, the FD rate can be as low as 4%. Jeevan Utsav guarantees the return.
2. The 10% income benefit from Jeevan Utsav is tax-free, whereas the FD income is taxable. The net return can be way below that of Jeevan Utsav
1. Can you guarantee that interest rates will be 4% in 13 years and not 12%?
2. Can you guarantee that income from insurance policies will be tax free after 13 years?
Monthly installment le or first kist ka bad deadh ho jaye to nominee ko aapke plan me kya milega, dusri aapko 871 ki puri jankari nahi hai, 3rd aapke plan benefit pr tax cut jayega, 4th lic risk + benefit ke liye h only benefit ki bat nahi krte.😢
You have not considered the power of compounding and tried to show a wrong calculation on the basis of assumption.
LIC gives a life time guarantee
5.5% Compounding is next to impossible for any company.
Such a wonderful product is available and
More importantly
No LIC agent is worried about such comments as product is highly beneficial to investors.
Better change the video title name or down the video as it deserves a dislike.
You tried but
Failed to compare
Guaranteed returns vs Assumption
Please read the LIC original circulars and do your ground work and give a correct suggestion.
sir ji agar kai person per year 100000 rs mutual fund me invest karega to after 15 years per year 300000 life time and 50 lakh amount bhi le sakate he. kisi person ko pure investment karana hai to post se to mutual fund sahi hai
Mutual fund are vulnerable
Sir u have not taken into account the tax angle.The interest on RD is taxable .Even if u consider a slab of 20 percent ,the RD maturity amount will reduce by 20% of 7 lakhs(interest earned on rd for 10 years of 1 lakhs for 120 months is approx 7 lakhs).so the amounts will be 17.4-1.4 lakhs=16lacs.if u keep that in fd @ 7 % for 3 years (deferment period)u earn final amount of 18.7lakhs(after tax @ 20 %).that will give 1.33 lakhs /year.but as our economy is growing FD rates will be not be 7 percent always.The peak interest rates are in decreasing trend since start of this century.moreover FD’s rates are max for 10 years ,where -as this annuity is fix for 100 years.Will your trick will be able to deliver 1.3 lakhs /year till 100 years?again impossible .even if interest rate reduce by 1% during payment period than u will get 1.15 lacs/year.and at X th year when u are renewing the Fd ,if d interest rate fall to 5% your amount will be 95K only
Hello Hello Hello!!!
You have not watched the video.
Check the very first row on the Excel - It says Tax Rate.
I appreciate your 200 words essay but it would have saved your effort had you seen the video.
You have shown 16.41 lacs as maturity amount and after tax amount is also same.but show calculation after tax slab and the amount will decrease significantly.thats the point.
if tax slab us 10 % amount will be 16.4-60k=15.8 lacs
If slab is 20% amount will be 15.2 lacs.after this u have to do fd,whose interest rate u have assumed are 7 percent .After 10 years no one knows what the interest rates will be.can u gursnter that?also fd interest are also taxable sir
@@neil313Again, watch the video and download excel.
Tax has been applied at 3 Levels.
Please see clearly 🥸
@@neil313 FYI, in most of the cases in Jeevan Utsab, (where the annualized premium is more than 10 % of the Sum Assured or Annualized Premium is more than 5 lakhs), the payouts will be taxable, except the Death Claim.
@@EveryPaisaMatters TDS ka naam Suna hai aapne..ya ye bhi assume Kar ke chal rahe ho..
Why not take the example of flexi option giving compounded growth??
Will take. Don't worry. 😉
If we look at the decreasing trend in interest rates due to growing economy and as our economy will keep growing so interest rates will also be keep decreasing.
So, one simple question for you.
How you can say 7% of interest rates will be available for the customers after 10 years.
Let me ask you.
What will the Interst Rate on Home Loan after 10 years?
I don't know. Why?
because if you think the deposit rates will go down to 3-4%, then Loan rates will also go down to 5-6%. Do you think it will happen in next 10 years?
You have no guarantee of your said rates. It is merely logic.
Your viewers will lose so much time if your logic fails.
Kindly check out China and Japan rates, it has already gone down to -0.1% to 4%.
Then why can't it happen with India when we are on the same line.
If there is a guarantee of 7% or more rates after 10 years, your logic would work for the case you have explained. Otherwise not.
LIC has zero customer service. Aap 25 years tak paise dete raho aur phir milne ke time LIC wale aapko pareshaan karenge. Agar aapke paas free ka time hai aur baar lic office visit kar sakte ho toh fir lic poilcy lein.
HALLO SIR, sayed aapke pass proper information nehi hai ya toh aap update nehi rehto ho...LIC ka service ke bare me kuchh bolne se pehle aapke nearest branch me visit karo aur patha karo har roz kitna payment ho raha hai...wo maturity ya money back,death claim ho ,ya surrender ho ya loan , just jao aur check karo ...
Sir real rate of return ? As compared current 10 year fd intrest rate 7%
Real rate of return will be 7% if all RD FD is 7%
@@EveryPaisaMattersthanks a lot sir for your valuable time.
It means this lic plan is giving us only 7% of real return. I think that fd/Rd is better than this lic plan.i m right sir
Its giving less than 6% returns.
@@EveryPaisaMattersthanks a lot sir ......world needs your type of true human beings so that we can educate people about all the hidden stuff thanks.
brother yeh aapne aaj ke rate of interest ke hisab se bataya which is good, but lifelong yahi interest se paisa milega yeh guarantee nahi, toh aapka plan fail hota hai jeevan utsav ke samne
Current RD rate of 10 years in SBI is 6.5%. Current FD rate of 3 years in SBI is 6.5 %. It is continuously decreasing. How can you assume the RD & FD rate as 7% in your calculation? The 10% of SA is guaranteed in Utsav.
What were the rates 3 years back?
What happened to rates after that?
There is an Excel - It is Free. Use it to make calculations.
Aur agar plan itna pasand hai to aap le lo yaar. Main kaun hun Stop karne wala.
Paisa aapka, ichcha aapki....
@@EveryPaisaMatters only 10-11 years back, the FD rates was around 8.5-9.5%. currently it is 6.5%. so is it increasing or decreasing? 2ndly, i know the excel sheet is there, we can edit it. Still you are using interest rate more than present rate, tax slab as 0%,trying your best to show the lic plan as poor.
2 Years back Interest rate was 4.5%
Today it is 6.5%
Is it increasing or decreasing?
I have changed the tax rates and shown all the variations but probably you didn't bother to watch the whole video - people watch reels and not videos.
Watch the video patienty and then reply.
I am OK for constructive criticism but not blindly written comments
@@EveryPaisaMatters The presentation was appreciable till you revealed the actual rate of return and said this plan is for legacy planning. But the alternative was absolutely bogus.
You are comparing life time guaranteed rate with the non guaranteed one. These can't be compared.
Sir, You are just Miss guiding ur subscribers! ROI s are going to fall down &after 10-15 from now it'll be 2to 3% and not 7% as you said. So no Bank will give you ROI @ 7% FOR MORE THAN 5 Years .
But death benefit during premium paying time not in this statagy
7 percent FD rate after 10 years is extremely unrealistic. Not a great comparison.
Sir, are you giving assurance that through out 13 years of investment rate of interest will remain 7% and thereafter too it will be maintained for the rest of the period to provide 1,44,000 Yearly income? If you are giving guarantee like lic's policy your point is it worth otherwise it is hypothetical and totally misguiding the audience.
Modi ki Guarantee 💯
Why do you assume that interest rates will remain the same throughout the 10 years.
I am a Positive Thinker 💭
सर बैंक 10 वर्ष के बाद भी 7% ब्याज देगी इसकी क्या गारंटी है, आज से 10 वर्षों पहले क्या ब्याज देती थी देखें। और 1 से 10 वर्षो के बिच जो बीमा कवर मिल रहा उसका क्या। कृपया थोड़ा और सही कैलकुलेशन दीजिये अपने दर्शकों को 🙏🏻
Sir ji ap acchi tarah se jante hai ki FD ka rate girate ja raha ,aj se 20 sal pehle kitna tha uske bad kitna hua aur aj kitna hai ,phir bhi jabrajasti Utsav ko FD aur RD se compare kr rahe ho .
Ek baat bataiye. Kya aap aaj Home Loan lenge ki aah to Loan 10% pe hai lekin aaj se 3-4 saal baad 5-6% penho jayega?
Agar Loan 5-6% pe nahi jayega to FD bhi 3-4% pe nahi jayega.
Baaki aap lo plan, no one stopping you.
Flaws
1 Those depositing 1 lakh per year, will have income of not less than 10 lakh
2 Interest rates remain same, highly unlikely
3 Calculation of Death Sum Assured is wrong
1. Many busienss folks don't show income above 5 Lakhs and invest in such "schemes"
2. interest rate can vary. Use Excel sheet to make changes and check for yourself.
3. How?
Sir Excel sheet open kaise karenge
LIC Shanti is better than LIC Jeevan Utsav?
Amitji please compare insurance plan with insurance plan and not Fixed Deposit, please compare apples with apples not apples with mangoes.
But I like Oranges 🍊
@@EveryPaisaMattersthen compare oranges
@@brijeshpandey2542 That I did, but for some reason- Oranges 🍊 khatte hain ☺️
Is the current interest 7 percent will continue after 13 years
Aap khareedo na bhai. Tension na lo.
Hum to 10-12% wale hain. 😎
YE JIS COMPANY KI BAT KARTE HEAN USKA NAME PLAN BATAO
Is this tax free income or not?
LIFE INSURANCE IS A CONTRACTUAL AGREEMENT UNLIKE OTHER INVESTMENTS...you are comparing oranges with apple
सर आरडी पर बीमा कवर कैसे मिलेगा
This video shows the reason why govt decided to review the so called financial influencers of UA-cam . Please be practical for your rate of intrests .
Also the income Benefit is tax free
I am an LIC D.O. .... My reaction to this video ? .... LMFAO 😂😂😂🤣🤣🤣🤣🤣
Can you plz share the IRR this policy gives
You are simply Genius. Very few will understand the hardwork behind this whole calculation. Keep it up.
Thanks a ton
Aur in future bank walo ne interest rate kum kiya toh ?
To Moye Moye...
@@EveryPaisaMatters😅
@@EveryPaisaMatters ,😁
You are getting insurance plus guaranteed income at 10% life time...who knows the rates after 10 years?
No dear, you are NOT getting 10% Guaranteed.
Pehle plan dekho.
Where calculator link
In the description.
Can you give any guarantee for this 7% interest rate in RD & FD for long term? Which bank gives 10 yrs. tenure in RD? These are only assumption rate. Your video is misleading.
Why you getting so angry. Please go ahead and buy the plan. No one stopping you.
Where I invest please tell me
40000 per year
Reach via whatsapp - Details in description
rbi should baj these peoples for milleading common people for view and watch time..
Unnecessary complication.. y not keep it plan and simple and invest in scheme where your return is not taxed
10साल बाद Future में Assume कैसे होगी जब 7%फिक्स नही है या नहीं बैंक और पोस्ट ऑफिस में, सन 2000 में शायद बैंक 14%के आस पास मिलता था आज 6से 7%पर आ गया।
बैंक 10 साल से उपर fd नही देता बैंक लोग टर्म की गारंटी नही देता, एलआईसी लाइफ टाइम गारंटी दे रही है यहां शायद
Jai Ho.... 🙏
7 % guranteed mile ga after 10 years FD par😂
Dada waiting is 2 years.and not 3.3rd onward we are giving payouts.get your facts right. Lifelong interest guarantees is Utsav. You are putting it wrong.
Bhai Sab thoda aur calculation Sikh le….lic 1st year se hi risk start karti hai Jeevan Utsav me apka RD me 13 Sal bad risk start hoga agar 7% ka return bank 13 Sal bad dega to koi guarantee nahi
If you put this amount in fixed deposit, it is better than L.I.C. please don't fell prey
You are simply fooling us. Kya is baat ki Guarantee hai 13 Saal baad bank ya post office 7% return denge.
If I am able to fool so many people, I should feel proud. Isn't it?
There are guarenteed 10% return for lifetime.
You have not watched my previous video to see the reality of 10%
Love this explanation.
Better to use both tactics, 5K for LIC in your child name and 5K for above said strategy.
I think Jeevan Utsav policy is better to avail in children's name, they will enjoy the benefit for more years, if you r around 40!
Genius Sirji👍
Complicated explanation... And misleading 😢
Dear you don't have any knowledge in investment, Do you understand the word guaranteed ?
No, I don't. Please can you help me understand that?
Really wrong calculation
After 10 years interest will never be same.
After 13 years interest will never ever be same.
Wow.. you nailed it