Beware of ULIPs - ULIP vs Mutual Funds in 2024 | AssetYogi Show #9

[@AssetYogi]

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[@laljimpatel]

Jinka aducation 12ths se kam hai uun ko kaya kar na cha hiye uunko to 1cr ka trum nahi mil ta na

[@nitinsagar972]

Please Address these points too @asset yogi 1-You could change funds under ULIP plans like small cap to mid cap or mid cap to large cap, and increase & decrease of weightage as an when required on which you dont need to pay the taxes then what will be the impact. 2-If you are running ULIP for more than 25 years where all the charges refunded & reinvested by company than what will be the impact of it

[@ashishwalke9825]

True

[@rakeshp7623]

Point 2- even if the charges are refunded you'll lose out on its compounding effect.

[@Sujith_Pappan]

And it’s giving decent returns like 15%.. return is non-taxable . I don’t know why they de influence it

[@MadhuKrishna-xw1tv]

​@@Sujith_Pappanyes, have same query..can someone explain in detail

[@mynameispatil]

​@@Sujith_Pappanreturns are taxable...

[@soumyasantabhowmik2485]

Everybody's needs are different, first understand your need that why personal wealth and do your own research and based on your data take wise desicison. All are having pros and cons.

[@ChetanMedhekar]

Dear sir I have invested 5 lakhs for 5 years And in 5 years my current value is 58 lacs against my 25 lacs investment with tax free amount plus whole life insurance cover of 50 lacs Still is it wrong to invest in ulip plan Locking period had given me a discipline of investment

[@gauravgangavane9615]

Yes! It's wrong investment.

[@donaldlobo3112]

You would have got much higher return in a good MF, enough to compensate for the tax benefit. In addition, in the unfortunate event of your death today, your next of kin will not get 58+50 lakhs ( 1.08 cr) as you expected, but only the higher of the two amounts, ie 58 lakhs.... the insurance company simply swallows the 50 lakhs insurance amount! Please check with the insurance company. You will be shocked when they clarify this point!

[@nakul_jagtap_official5105]

Bhai ulip best h Maine bhi Kiya h invest yearly 1 lakh 5 year 1 lakh pay Krna h mf ke badle ulip best h mf main return main tax Dena hota h aur ulip main nhi so kam milega lekin safe h mf ke bdle

[@Pyarijindagijeelodosto]

@@donaldlobo3112 what are you talking about i invested one time premium of 50 lacs after 6 years the value was 3.7 crore what is this why are you against ulip i had term insurance for 10 crores

[@Pyarijindagijeelodosto]

HDFC ULIP IS VERY GOOD I DONT AGREE WITH THE VIDEO MAKER

[@abhayneurgaonkar7448]

Unfortunate that such informative videos didnt exist 10-15 years back and ULIP's were sold in big numbers often misguiding people since it provides better commisions. Pls share excel used for calculation

[@CUB-qy2hj]

Kuch ni hota bhai. Banker houn experience se bolrha houn, ULIP leke Loan disburse kiya hei maine, log wilful default kardete hein.

[@yoddha457]

​@@CUB-qy2hjbhai batao ulip good or bad

[@bsingh1801]

ULIP is good as it make u accumulate your Wealth compulsorily till 05 years with insurance cover. You should also do mutual fund for small amount as it provide liquidity. Portfolio should be diverse don't stick to one thing

[@Ajeebnaam]

​@@yoddha457 I can guide you well this perticular video is misguiding

[@manojshah7016]

Adding few more points to make it little upto mark. 1)The both products are suitable for diff goal and can not compare for same goal. 2) If u buy Tata ULIP after 11 years ,loyalty of 0.20% of units will be added which covers compensate all the charges we r paying) 3) U can get loan on ULIP 4) mortality charges are on reducing balance type (not fixed) so r less compare to plain term plan

[@kitten_with_bad_breath]

1) mutual funds+ term plan is simply a superior strategy than buying ulip which has lock-in with low returns. It simply doesn't make sense in any situation, unless you got FU money and don't know where to put it. 2) getting back the extra charges you have paid 11 years back doesn't make much sense if you take inflation into account. 3) you can get a loan on mutual funds also 4) mortality charges increase exponentially with age whereas the term plan premium remains fixed.

[@R2Js]

Look at fund management charges. I was planned 1.5L PA for 18 years , roughly entire 18 years if growth is 8% aprox 7L they are charging by end of the year.

[@Ajeebnaam]

​@@kitten_with_bad_breathyou have little less knowledge I must say

[@Ajeebnaam]

​@@R2Jsyour investment strategy is not upto the mark connect with me just reply to this comment

[@vijaythapa9200]

No question, everything is very precise & clearly explained. Thank you.

[@AssetYogi]

Thankyou

[@Raj__483]

This is totally misrepresentation and tried to shows ulip plans as bad investment.

[@devdarsanp8063]

Mutual fund aur ULIP mein sabse bada difference yeh hai ki, ULIP Aapka risk kam karta hai jeise ki agar 1 lakh aap mutual fund mein invest kiye hai aur one lakh ULIP mein aur 2nd year death hojaati hai tab mutual fund bas fund value dega but ULIP 10 Lakh dega. Aur sabse badi baat yeh hai ki agar aap Market ke jaankar hai toh jab market girne waala hai tab ULIP mein apna peisa secure kar sakte hai par Mutual Fund mein aapko exite karna padega.

[@Neelakanta_0143]

Sahi kaha apne..,Jab market girte hai thab ulips me, bina charge se secure funds ko switch kar sakte hai, ulips me bhi low-cost products hoti hai, usme dekhar invest karna hota hai aur in few plans HDFC don't have premium allocation and maintenance charges...!

[@maheshgavali1303]

Right, ager death hoti hai toh apne jitna premium diya hai + life cover aur premium ka 105% paisa uske nominee ko milta hai

[@rahulbeats8251]

Then why should one buy ulip, term insurance then is the best bet. And for investments MF is a very good option. And if one can invest in ulip, that means this person has a good amount of money saved. So it's good to buy a term insurance and mf schemes for investment purpose. Ulip is not a good investment option because you're paying upto 20% upfront charges, and in bad market days your investment can even go in minus, so having said that, ulip is just a very beneficial product for life insurance company and for agents who sell it, because they are generating heavy amount of profits from its charges. So think wise and say bye to Ulips.

[@devdarsanp8063]

Ulip is more better than mutual fund, if you want to challenge then compare with Tata aia Whole life mid cap fund, aia top 200 hundred fund, aia multicap fund, aia emerging opportunities fund, aia small cap discovery fun and many more go to google and search. This is a myth that mutual fund is better ghanta better

[@srinjoydas6644]

@@rahulbeats8251 Arre lekin n2nd year mein agar death ho bhi gaya to term plan se to 1 cr. mil jaega

[@IMRANKHAN-kg6nt]

Sir, As per the various sites Ulip returns are up to 25-30%... Is this true ?

[@divyanshikumaripawankumar8722]

Yes,.... But always assume average returns.... Which is around 15-18%

[@Ajeebnaam]

You could generate upto 60% of annual returns with ulips just need to select funds wisely and use switching on time

[@biduthgupta5801]

Since moring i watch to many videos to Understand ULIP, but dint got anything clear, but watching dis video i m now so mch cleared about Ulip... Thnx sir, u made it so simple and in detailed...

[@xmenunite]

TATA AIA midcap momentum plan is an exception. There is no allocation fee, administration fee. And the premiums can be paid with tata neu credit card to get 1.5% cashback every month. You can make a video on that. It is a good fund.

[@mainakmallick1143]

No allocation fee No administration fee. Tata aia midcap fund. Which ULIP plan is this ? You have said fund name Say the ULIP name.

[@roohitrajj]

Nice comparison, as tax rates are revised , can you compare now & make a new video. Thanks

[@deepakkapoor4192]

Total TER on HDFC ELSS is 1.7% and not 1.5% as illustrated by you. The overall return will be impacted as TER is on the Fund Value. Secondly, the actual advantage of ULIP can be seen only post 12 years, where, due to the higher FMC of MFs, ULIPs give a better post tax return (provided the gross return is same in both ULIP and MF). Please point out if there is a flaw in my calculations.

[@deepakkapoor4192]

If you exit from ULIP within 5 years, the Fund Value is moved to Policy discontinuance fund and paid back to the policy holder only after completion of 5 years from the date of commencement of the policy. As the 5 years lock in is already practiced in this case, the tax benefits under ULIP are not reversed in case of exit before 5 years. Please let me know if my thinking in this respect is correct.

[@atanudas8535]

Mutual fund bolkar mujhe ulip plan bech diya hdfc nai..mere liye aur bhi easy ho gaya return check karna..mujhe bond abhi tak mila nhi..tabvi mai kal he return k liye apply kar dunga nd index fund mai invest kar dunga.. thank you so much ❤

[@Pyarijindagijeelodosto]

YOU NEED A GOOD ADVISOR NOT A NEW PLAN BROTHER

[@deepaksuthar2611]

Mera ICICI ULIP ka premium ₹64000 aata hai or Mera life cover 1.5 Cr ka hai ... [ 50 Lack Term + 50 Lack Accidental + 50 Lack Accidental Disability ] or usme se ₹50000 Mutual Funds me invest hota h Per Year ... Jo aapne btaya hai usse best hai Mera plan

[@ranashubhamtanwar818]

Kya name h plan ka

[@deepaksuthar2611]

@@ranashubhamtanwar818 Protect And Gain ... If you want more information regarding the plan. ..then reply

[@SameerKhan-xu6yb]

Bro utne charges bhi lagte hai isse acha basic term plan lele aur ulip best rahega

[@deepaksuthar2611]

@@SameerKhan-xu6yb charges unke lgte h jinko long time tak investment nhi karna .... Mene long term k liye investment Kiya hai isme ... Jo bhi charges lgenge 11th year se double ho kar milenge

[@prasantkumardeo1815]

Once your ulip value reaches 50 lakhs, your life cover will be zero.

[@sandeeprana-zw6hk]

How is the Tata aia sampurn rakshak 2.0 plan for investment + Term plan vs mutual fund

[@udayanagvanshi3166]

Tata aia is best

[@roshanraut8774]

Bakwas zoot bolke plan dete hai or badme hidden charge lagte hai.

[@Ajeebnaam]

​@@roshanraut8774aap k sath galat hua hai shayad aapko sahi jagah invest karna chahiye agar unwanted charges nahi dene to

[@amitagarwal2722]

Bahut accha plan hai Tata ka aur fund performance bhi bahit acchi hai

[@TheSaltwater]

Is it same for sbi life smart priviledge plus plan

[@sanjanapatil005]

but if we have to do mutual funds separately , we should know which one to invest and you need expertise in that field which many of us don't have . In this case what to do?

[@kamalsinghdhapola8339]

Sir what about the newly launcehd canara hsbc mid cap momemtem fund is tht something different or samd

[@GopalSharma-qw2jt]

Please suggest best 4G ulip

[@VishalSingh-gg1kq]

Ulips gives us security for future, everyone knows what happened in covid market was however in ulips the situation like can ne handled by switching into debenture fund, i have taken ulip in 2018 with policy bazaar with the best comparison between chargesyhe best product in ulip with HDFC is c2w, with Bajaj voel assure, with Tata i sip, with max life osp product

[@Bharat_tretayuga]

ULIP does not give you security, but term insurance and health insurance can..ULIP is the worst investment considering it gives a very low insurance while charging higher, at the same time it gives you less return, in fact 3% less annualised return which is a big difference after 5yrs..So ULIP ends up giving lower return with lower insurance cover..invest in mutual fund and buy term/medical insurance separately..

[@snehasisgoswami5377]

Guruji FMC in MF is calculated on Fund Value. FMC in ULIP is calculated on premium. It makes a lot of difference in long term (15-25 years). Tax- free returns in ULIP upto 2.5 lakhs p.a. premium. Panic selling and profit booking is not at all possible in ULIP upto first 5 years unlike MF - discipline is necessary to reach the goal. Actually purpose decides the choice. Although for short term MF is good For long term ULIP may better than MF.

[@rijwanmohammed1309]

2% change after 20 years with annual premium of 1.2 lakh will be 29.5 lakh. Is it good you decide

[@AnshuSingh-kh4ul]

Mutual funds are giving 20% returns whereas ulip is giving 18 % returns + 10 times insurance cover from day one + After 5 years partial withdrawal + Tax free maturity .

[@rijwanmohammed1309]

@@AnshuSingh-kh4ul for that you have term insurance and health insurance, and after 20 years that 2% huge that after deducting tax you will end up good corpus

[@raviprakashshrivastava7676]

Sir ICICI Bank ka protect n gain plan kaisa

[@SameerKhan-xu6yb]

Click 2 wealth ke saath compare karo sabse kamm charges hai usme hdfc life ka ulip plan hai

[@preetsync]

Dear Yogi ji. Few points for your shorts. 1. 1cr term for 12000 at wat age. 2. No one buys ULIP to replace term plan. Hence its complimentary. 3. Plz show/compare 10 yrs returns of ULIP & MFs. I have both ULIP, MFs & term plan also. Through some light on SBI Life Midcap Fund ULIP. REGARDS….

[@namanverm4426]

Toh ULIP aaj ki date mai lena chaihye?

[@preetsync]

@@namanverm4426 yes

[@vijayKumar-zv2wn]

Check sbi life mid cap fund in Google you will understand... sbi life privilege plan best hai

[@dr.pushpendrachahar1484]

What's your view on hdfc life smart protect plan, i wich they give 1 cr cover , n return of different charges after 10 year in 2x n 3x way, with 10,000 per month premium

[@rupe9189]

Yesterday I was searching this. Policy bazar representative is searching me like wanted. Thanks for your thoughts here 🙏

[@NeerajSingh-wr9fz]

Same happened with me

[@NIKITPULEKAR]

Same with me today😂

[@kmadhusudhanan11]

+1 today 😅

[@harryfinancialportfolioEx5457]

म्युचुअल फंड को मोटिवेशन देना ही एक मात्र उद्देश्य है इस विडियो का

[@kuldeeprawal1107]

Hdfc ka smart protect plan me insurance bhi Acha miltha please check plan & compare

[@kiranprakashpolinati9349]

Thankyou ji very nice comparison and crystal clear explaination

[@Shivamnvnk]

Make it one more video for ulip and mutual fund charges in depth, read all terms and conditions of MF and ulip and taxation part also

[@abhinavshots01]

Bajaj allianz life goal Assure 2 plan is best mortality rate they will reverse on your maturity and asset allocation charge is zero also expense ratio is 1.35 % and when you get your investment is tax free also they will give you bonus type on add on maturity amount so yes thst plan is better then mutual fund...!!

[@gjana2564]

Sir video na dekhe like bottom click korta hu but AP ko Mera choti si request hai ki Mera ek required hai ki Pension plan ke liye ek video har India awaited your 100% analysis because your analysis is best for me and others people also they have subscribed to your channel. I have three times requested for Diya isko leke

[@gjana2564]

Sir video na dekhe like bottom click korta hu but AP ko Mera choti si request hai ki Mera ek required hai ki Pension plan ke liye ek video har India awaited your 100% analysis because your analysis is best for me and others people also they have subscribed to your channel. I have three times requested for Diya isko leke

[@raghavk6572]

Sbi smart privilege plus vs mutual funds comparison pls

[@Patanjali.Sharma]

If you invest the ULIP into equity (small/mid) returns will be same as MF.. essentially 2 vehicles to serve the same purpose

[@vinayaknayak3919]

very well explained thank you for your great efforts. Can you share an Excel sheet or formula to calculate actual returns from ULIP and other investment plans.

[@drmalaytrivedi6178]

sir tata aia param raksha pro uip provide insurance cover till 1 cr on investment of 1 lac

[@janaksingh4953]

sir aditaya birla sunlife psu m sip karu ja tata small cap m ja dono m targat 10 saal ka hai

[@Daya.Shankar.Kushwah]

Tata smallcap me kar lo

[@sri26788]

Capital gains tax is equal to ulip extra charges..is I wrong? If you get 40 lakhs at the end..you have to pay nearly 4 lakhs in mfs..but there is no tax on ulip

[@Taranggpt6]

HDFC is giving 1CR cover for 2.5L yearly premium for 5 years i.e. 12.5L for 5 years covering 1CR for next 40 years (we just have to keep atleast 2.5L in balance and rest can be withdrawal). This doesn't seem as expensive as given example of 1.2L for 12L cover or 50k for 5L cover. Is it worth?

[@sanjanapatil005]

plan name?

[@mdtajuddinansari6002]

Exllent app bahut hi achcha example diye bhut hi achche se samjh aaa gaya mujhe sir ❤❤❤

[@AssetYogi]

Glad to hear this!

[@dpmaurya95]

Sir, after investing some amount in equity already, for tax saving and long term point of view, should i invest in PPF or ELSS?

[@rahulpandey9182]

Bhai capital gain tax lgega mf overall return pe and no tax on ulip

[@snehasishmohapatra7370]

Plz discuss about tax benefits lic ulip 749.

[@veehacutiee8022]

Can you tell me about ETF which etf is best in which sector's and tell me plz about international and Indian etf both in combination threw vedio how can we invest in to grow our wealth

[@shuvasaha2084]

There is no gst in unit linked policy, , please explain properly.. in right way..

[@retro_btsarmy]

Term plan savko nahi milta hai wo bhi batao

[@raviraj-me2iv]

Sbi privilege plan vs any mutual fund, comparision because ya plan ajkal jada he sell ho rha h

[@ganeshdatt-jc1pm]

What about benefit of switching of fund in ULIP ?

[@BalvinderSingh-fo2zm]

on ULIP they charged GST as well and if your premium is 1lakh then approx 80 thousand is invested in market, rest 20% are their expenses.

[@abhilashchanda4315]

There is no GST in ULIPs of LIC.

[@kavianoopshakya112]

​@@abhilashchanda4315aisa hai... insurance word aate hi gst clear hai lagati hi bhai...ulip mai bhi insurance hota hai

[@kamalnayan.23]

​@@kavianoopshakya112Bhai Ulip mai khabi GST nahi lagta

[@The_Ashthetic]

@@kamalnayan.23lagta h 4.5%

[@kapilthakur8539]

Bhai 1Cr term insurance ke liye apko 5-7 lac ki annual standard income bhi chahiye har koi 1Cr ki term insurance nahi le skta Aur jo aap har saal 12k de rahe ho wo bhi to income se km hoga

[@Nitinmehra04]

Can you please suggest a child future education related scheme

[@KAPILKUMAR-gd8qe]

thank you sir ❤ very helpful 🎉

[@sayanmukherjee8023]

Maine bhi 2 months back HDFC click 2 ulip plan buy kiya tha yarly premium 70k.kya mujhe is plan k sath aage badhna chahiye ki utna amount Mutual fund me invest karna chahiye..plzz help me out to choose right path

[@Ajeebnaam]

Your investment is absolutely on right track don't get distracted by anyone speaking anything on past or outdated data

[@sumairaali352]

​@@Ajeebnaam As i m new agent in Lic ,should i sold ulip plan to coustemers or not,is this guranteed plan or not

[@Ajeebnaam]

@sumairaali352 LIC is not a ulip until it mentioned LIC mostly have guaranteed return plans

[@GAURAVSINGH-sf5tz]

Y policy bazaar per keval ulip hi bechate hain kya ?

[@jankirana-nv1ek]

Tata Aia param rakshak pro mei acche returns hain

[@shelydhar3366]

Want to invest, which scheme will b beneficial..pls guide

[@kidsview8]

Abut max Rs22700 annual and tata Rs 20000 annual ulip plans???

[@ajaynimkar6751]

Ulip mein 15 20 saal baad ache returns milte he term mein paisa marne ke baad milta he so both product apne apne jagah pe sahi he

[@ShivamPandey-hb3om]

Dhanyawaad Guruji! Bahut adhbudh tarike se aapne samjhaya.

[@WHtype802]

SBI LIFE ka SMART SCHOLER PLUS plan kaisa hai ?

[@ghasiramrebari9274]

bajaj allianz capital assure goal ULIp प्लान है मैं इन्वेस्टमेंट किया था सबसे बड़ी ग़लती हुई है मेरे जीवन की उल्लू बना दिया था मेरे को कोई भी भाई ULIp प्लान नहीं ले 😊😊

[@rrahulsah]

Same mere sath v

[@shantanudeshpande6009]

उल्लू बनाया सो ठिक हैं, पर exactly क्या हुआ?

[@ghasiramrebari9274]

@@shantanudeshpande6009 जो वीडियो में बताई गई बात है वह इसी तरीके से हुआ है अगर आपने 4 साल 10 महीना पैसा भर दिया अगर दो महीने की किश्त नहीं दी तो आज तक जितना भी पैसा भरा है वो एक साइड कर देगे पहले के जो पैसे 4 साल 10 महीना का रिटर्न मिला हुआ था वो नहीं मिलेगा 🤣🤣

[@VinayMaurya]

Maxlife ULIP meri life ki sabse badi galti...7 saal me 2.5 lakh k sirf 3.5 lakh hue hai

[@ghasiramrebari9274]

@@VinayMaurya महीने की किश्त कितनी थी policy bajar से policy ली क्या अपने

[@MdRaza-ch2tl]

Pnb metlife smart platinum plus pr jankari dijiye

[@saireddy3058]

Term insurance is available only for salaried persons but it is not available for young farmers as they don’t have payslips and fixed income. They want to take term insurance but companies are not to provide coverage this is one of the reason such people take ULIPS. Any solution to this

[@swastiksrivastava9997]

Thank you, Sir

[@bhaktimaysageet29]

Mere paas bank se call aata h is plan k liye lu ya nhi sir

[@bhushanthakur764]

Hi sir please review ICICI protect N Gain plan

[@LetUsASMR]

Hi AssetYogi Team, Mukul. Firstly, thank you for your informative videos. This was a good comparison video. A question that I would like to ask, I have tried to apply for Term insurances, and have been rejected twice for medical reasons. I am already having monthly SIP done on multiple equity mutual funds. Would it be ok to go for normal endowment plans to get a better cover than ULIP? Please advise. -Arkaprava Basak Kolkata

[@goolqui]

Never buy endowment plan bro

[@Bharat_tretayuga]

dont buy endowment plan

[@rashijain6760]

If i areasy have ulip should i sell it and by mutual fund instead??

[@shubhamagarwal1552]

Why you calculate tax before maturity and which elss giving us 22% return?

[@rajeshsadula2480]

You must update the calculations… Premium allocation charges and admin charges are removed my most vendors

[@rohitmaurya8714]

Mai 18 percent m khush hu.... life cover k sath

[@yaadwinder303]

Life insurance itna bhi kam nhi hai jitna yeh bta rhe hain

[@nirusingh2139]

Mai गारेंटी दे रहा हूं। कोई भी सेम amount ulip और म्यूचुअल फंड दोनो में निवेश करे 15 साल यूलिप में रिटर्न ज्यादा मिलेगा। अगर 1 करोड़ प्रॉफिट होता है तो 12.5 लाख तो सरकार mutual फंड में टैक्स लेगी जो और आगे बढ़ने वाला है 20% तक😂

[@geoaffairofficial]

Tata sampurna Raksha plus please explain it

[@vicky09ize]

Plz share that excel sheet

[@dippak0333]

Best Explanation

[@sunildnavalur3707]

Can u please share that excel sheet sir..

[@427491]

But what if ULIP is providing accidental life cover upto 100x. As in TATA AIA PARAM RAKSHA LIFE PRO??

[@theWealthMachine29]

Sir pnb met life me platinum smart plan virtue 2 plan ka review digiye please

[@mailmegarg123]

12000rs per year mein 1cr ka cover kis age tak mil raha h aur customer ki age kya h ye bhi bata dijiye gyan Chand ji

[@ndktip1818]

Can you share the Excel sheet?

[@amishah5497]

ULIP me lock in period me withdrawal hi nahi hota,Pl correct it

[@brahmbhattgaurangc5317]

Thank you🙏🙏

[@arijitpramanik9858]

Sir i need guidance for one situation i am having. I have 1 lic policy for which my account is getting debited a certain amount every month, i want to stop that and hold that money i have already invested (to get some return greater than what i invested). Whom to contact for this? Can lic branch office help in it?

[@CAPARTH89]

Contact agent and withdraw the surrender value of your policy.

[@arijitpramanik9858]

@@CAPARTH89 if i surrender now then there are chances of getting lower than what i invested. So better let it hold what i already invested, and not putting any further money in it

[@CAPARTH89]

You need to check whether policy gets lapsed if preminm is not paid in future. Its always better to withdraw from such policy of option is available and put in the efficient investment option

[@mainakmallick1143]

Paid up ho jata hai policy agar 3 saal / 4 saal tak premium de do to. 3 ya 4 ye puch lena . Paid up ka matlab wohi hai jo aap swal me pucha.

[@disharastogi1313]

Sir agar Ulip mai koi fayda nhi hai toh yeh laya hi kyu gya?

[@roshannair2963]

Adjust premium paid with sip , that will give true return percentage

[@rajkumargautam-v2q]

My age is 46 and want lic index plus plan. Is it best

[@Arunkumar-mh1vp]

Hdfc term insurance premium for 1cr sum assured will be around 26-30 thousand per year...But while comparing u took as 12 thosand per year

[@RanjeetSupriya88]

Tata Aia Insurance Smart Sampoorna Raksha ulip kaisa hai? Is k baremain samjha a sir

[@yogeshchoudhary5931]

Aapko pta chla to batana bhai

[@roshanraut8774]

Bakwas hai

[@Zpschoolam]

Maine ulip buy kiya hai Uske kuch main reasons hai. 1) mai mutual fund me agar profit hota hai to kitna bhi sochu mai long turm k liye rakhunga , last me nikal hi leta hu Is liye ulip select Kiya. 2) muze tata aia k sath 50 lacks ka cover mila hai. Jo muze annual 49k mai mil raha hai. Jo ki turm insurance k mukable m kuch jada fark nahi hai. Or ulip k claim chances jada hai trum k mukable. 3) 10 years k bad sare charges wapas mil rahe hai. Is k sath 10 10 D k tahat Machurity ammount bhi tax free hai. Or agar 4100 monthly mai muze 50 l ka cover mil raha hai, to mai q na lu ulip.

[@MohanPednekar]

4100 for 50 lakh should be annual premium. Not monthly.

[@Zpschoolam]

@@MohanPednekar Bhai is hisab se 341 month Mai konsa turm insurance milega Meri age k hisab se Now I'm 32 Or turm insurance policy claim k chances bhi kam hote hai. Plus muze kuch na hua to Maturety bhi mil jayegi Or Mera main problem Jo Maine comment Kiya hai usa problem no 1 Jo Maine upper menshan Kiya hai.

[@News_Source_]

Sbi life insurance best h interstate ho to details m bta du

[@jaiprakash9220]

​@@News_Source_smart wealth builder k bare main batiye

[@rishabhgirirajofficial]

Kon sa plan h bhai apka pls btao jisme 50lakh ka life cover milta h

[@thisizsagar]

2.5 lalh se kam premium de to ULIP me 0 LTCG lagega...jabki MF me 12.5% lagega... Pls compare this . without any biases. Aapke video ke hisab se aap MF ki taraf biased the thode

[@Virrenderverma50]

Sir maine tata aia life insurance smart sampoorna Raksha ka term insurance liya hai 1 c.r ka ,monthly 5650 R.S pay karna padta hai .kya kare continue rahe ya bahar nikal jaye pls reply.thanks

[@sunilpodem333]

Please give reply sir

[@vickyAlways]

paying for term insurance is like paying to get money after you die or after your death

[@muralimanoharanvijayan2709]

According to my knowledge this term insurance of 1 Cr could be 50 lk life cover and 1 cr in case of accidental death as I got plan from icici

[@ikofficial7013]

Ulip plan unke liye better hai jinko drink or smoke ki aadat hai kyo ki normal term plan mai smoker ki premium jyada aati hai tuo is se acha tuo thoda milkar banda ulip he le

[@ddmehta88]

Sir What if a ULIP if offering 100X Risk cover of your annual premium and also returning the mortality charge after 10 years, Is it a good option compared to other ULIPS ? Please advise.

[@viswasandy]

Sir please clarify if the FMC is applied on premium or fund value, because you have applied on the premium, but usually it is mentioned that it will be applicable on fund value

[@snehasisgoswami5377]

Actually it's their hidden agenda to disparage ULIPs. In long term (15 years and more) mutual fund companies charge huge FMC on Fund Value. That's why ULIP is better in long term. In short term MF is good.

[@alwaysonline7777]

Many wrong assumptions. For 1 CR term insurance with 10 year installment , it will be 50-60 thousand per year for a 35 year old man.

[@divyanshikumaripawankumar8722]

Very true.... 12k premium per year will get around 20-25 lakh of term insurance only

[@urpaisa7322]

45 year old man ka term plan 1cror ka kharch 97000 ₹ banta aur usme income tax return 5lakh chahiye logo fudu na banaye apke pas irda ka lisence jo logo galat slah de rahe ?

[@hirenmarkana6992]

ULIP plan me Jo welth ka amount banta he....wo 10D k andar tax free ho jata he kya.....?

[@Neelakanta_0143]

Yes Sec 10(10)D

[@rkfinancialsolution4052]

Bhai ye bhi bataiye tarm plan har kisi ko nahi milta hai, but Ulip koi bhi le sakte hai.

[@Satyameveshwaroloko]

You are wrong brother ... Aajkal ulip me bhi 100x yearly premium life cover h....

[@Mr.anishkumar]

Could you please share plan name of ULIP which offer 100x life cover of annual premium

[@sanwarsaini9205]

Tata AIA sampoorn rakshak

[@yourexcelmasterr6916]

Term insurance + ELSS fund are best choice.