Do Not Combine Insurance And Investment Is A Half Truth

[@anonymous-2172]

The only one financial planner who doesn't make any specific negatives regarding any of the investment schemes and plans going these days. We Appreciate ur research and presentation👍👍

[@NRIMoneyClinic]

Everything has positives and negatives . Job of a financial planner is to remain neutral and use the positives to achieve life goals. Each product has a constituency of its own . Job of a financial planner is not to sit on any judgement or impose his favourites on others . Even poison has its utility.

[@GaneshTirthahalli]

It's very precise pretty conclusive information sharing. I always look forward for your videos . Keep it up . Keep us growing

[@NRIMoneyClinic]

Thank ypu for your kind words Ganesh .. stay tuned

[@kishsmi]

This is a very well researched video and analyses why bad design and improper marketing by half baked agents resulted in massive losses and erosion of confidence in these products. Your concise and simplified explanation makes it crystal clear.

[@NRIMoneyClinic]

Thank you so much for your kind words. Please subscribe and keep sharing the videos

[@ShivaKumar-xe9qn]

You are doing great job sir ,i have watched many of ur videos which r very useful for NRI's who are really earning/struggling outside of India. Thanks

[@NRIMoneyClinic]

So nice of you. Please subscribe and keep sharing the videos

[@sandeepshanbhogue7690]

This video explains cause and effect and very nice information which proves that financial product for the sole reason of saving tax is not a good decision. Every product has its pros and cons as rightly said.

[@NRIMoneyClinic]

Thank you very much for your kind words . Please keep sharing the videos

[@rajpai9169]

Dear Dr Bhat sir, really appreciate your neutrality in advice. This is really worth watching video. Nicely explained every bit of it. Sir, after comparing many plans of ULIPs i personally feel that ULIPs are investing in such funds which generate only 8% returns, which is not very great compared to MF industry. No benchmark indices for many of ULIP funds adds to more doubts. There is no person in India, who confidentally says" Yes, I got 10% returns as maturity proceedings from my ULIP". if investment goal is long term and finally if we get only 7% annualized net yield, i think ULIP will be worst to invest. added to that is the silent killer charges. Request your opinion regarding these points. Thanks

[@Stand-Alone.]

Useful information Sir please clear my doubt premature closure of ulip plan cost much penalty charger and procedures are not flexible as mf.

[@NRIMoneyClinic]

Every ULIP can be closed after 5 years without any penalty . This is as per law . However endowment plans may invite penalties . ULIPs and endowment plans are two different types of plans

[@tusharaggarwal4707]

Thanks Dr. Bhat, for providing such valuable information.

[@pravinkolhe82]

Excellent elaborate analysis. Thanks

[@musthafakamburam8217]

Well said sir👍👍👍

[@NRIMoneyClinic]

Thank you very much for your kind words . Please subscribe and keep sharing the videos

[@হোনোলুলুর_হুতুমপেচা]

With this new change that ULIPs with more than 2.5L premium on aggregated insurance leads to LTCG. What will be your revised proposal?

[@NRIMoneyClinic]

If you have tenures of more than 15 years , still good quality ulip will score better. Upto 2 5 lakhs it is tax free . All throughout the tenure , you can keep rebalancing the portfolio without attracting taxes .

[@Unlockmiddleeast]

Hello Sir, I have invested in Two Ulip plans. As per the Government new regulations total ULip premium should not cross 2.5 Lakhs yearly. So i have started investment in Index Funds. How many Ulips are required?

[@ChandanKumar-ik8pf]

Ulip sum assured is now under tax when annual premium is more than 2.5 lakh. Sir is this rule is applicable to endowment plan also now?

[@NRIMoneyClinic]

No . Endowment plans are 100% tax free

[@tvtv3048]

Sir best videos & nice explained by you. Keep it up Sir aap personal best unbiased investment plan as per current govt/ income tax regulations banake doge? Or please recommend who is best financial planner Already plan CFP se 2yr phle banaya hai lekin abhi kuch govt ne Mutual fund/ income tax regulations/ other regulations change hua so accordingly plan update krna hai? Apki service unbiased & best lgi toh relatives/dosto ko bhi recommend kruga.

[@NRIMoneyClinic]

At the moment we can cater only to NRIs . Please subscribe and keep sharing the videos

[@itsyourboyyeahmen9895]

Good day. i would ask if Variable universal life (insurance with investment) is worth it for longterm financial goal for example for my retirement fund. I'm in mid 20s. thanks

[@rohansivon]

I'm so happy to have come accross your Channel last week. Have been watching almost all the videos. This is one of the high level information you are providing on every aspect of financial journey., Not only to NRI's, I'm sure it'll help the general public. Thank you so much for your time and effort Sir.

[@ravikantmahato5948]

I have taken SBI Life Retire Smart Plan which comes within ULIP. Is this plan good sir?

[@NRIMoneyClinic]

Please keep sharing the videos

[@ravikantmahato5948]

@@NRIMoneyClinic sir mai sbi life retire smart plan liya hu fund manegment # equity pension fund ll =10% # Bond pension fund ll= 85% # Money market pension fund ll = 5% Ye mera fund manegment hai sir kya return acha mill sakta hai or kya ye plan acha hai..plz reply sir