HDFC pro growth plus: good or bad? Check ULIP plan returns now. Who should buy ulip?

[@zirams]

Same here , I have HDFC SL ProGrowth Super II plan and it is ULIP and charges alot from my premium amount.

[@amoldhok8612]

Same here bro

[@ramchandravasekar8640]

I lost my time, money same way, but later change my investment due to your valuable suggestions on KZbin 😉😊 . Thank you so much.

[@BWealthy]

I am super happy to read your comment. Thank you so much Ramchandra Jee. Stay Blessed B Wealthy

[@martinjose3129]

First of all A big salute for openly talking about the cheating done specially HDFC Life. I joined this same plan five years ago and paid 14 lakhs till today and thank god it is worth 14 lakhs - not a penny more. End of April 2021 - 5 years will be completed and look forward to say GoodBy to HDFC LIFE forever.

[@jithinbabu1123]

Hai Martin Can you please share your contact,,, My bank recently approached me for HDFC pro plus scheme ,,, You have a experience with Hdfc and your suggestions will be very valuable for me ,, Thanks

[@Surinder1176]

Really Very Valuable Informative video... Swati Ma'm you are so beautyful n apke samjhaney ka andaaj really too good... Ma'm mujhe HDFC wale kafi der se yeh plan (HDFC PRO GROWTH PLUS) lene ko force kr rahe the. Specially Bank Manager who is very close to me. Par meri habit hai ke jo plan mein lena hai us ke bare me YT, Instagram etc pe puri jankari leta hu. Sabse pehle apki hi video dekhi and mein yeh plan lene se bachch gya.. Thank You So Much Ma'm..

[@basunayassa9238]

Maam I really love your way of teaching Seedhee dimag ke andar jaati hai aapki baat aur jaise permanently hi fix ho jaati hai mere to☺️☺️ Sending all the positive vibes and blessings for ur career and ur channel.

[@RupamPrinceRathore]

I am too trapped by HDFC salesman He is closed one so i trusted him. But he fooled me. I have hdfc sl progrowth plus.

[@vikascverma2881]

Same mere sath bhi hua

[@suneelkamboj2506]

Same here, i already paid 2 annual premium of 2 lakh, is there any option to withdraw our money and stop the policy

[@villedewaraich]

Same with me...

[@TravelInTokyo]

same here , i am also fooled by HDFC person and now uselessly i am investing money into it . Just waiting for unlock period and i will pull out whole money out of it.

[@biswajitdutta1208]

Same bro. .Trapped

[@jayantchoudhari]

स्वाति जी नमस्कार। हमेशा की तरह फिर से एक मुश्किल बात को आपने आसानी से समझा दिया। आपसे एक प्रार्थना है कि एक डिटेल्ड वीडियो आप LIC की जीवन सरल पालिसी पर भी जल्द अति जल्द बनाये। धन्यवाद

[@amitkadam4414]

Very True....Even I had faced the same issue.... With same type of policy.... Its worst And incurred huge losses..... And very good advice given by you at end.... It will help others before investing in such type of investments...

[@vidyalakshmi7953]

Hi I have invested with progrowth super 2 plan

[@bedantasaha5699]

Great Video!! Suggestion for the viewer: watch it with a playback speed 1.5 to understand the real tone of the video.

[@kundannaik1464]

Mam aap bahot acchese samjati ho. I hv 1 question. Me traditional plan le sakta hu kya.ki wo risk hogi mere liye.plz reply ...

[@merabharatmeragujarat]

Sahi bat hai hame term plan nahi mil raha isliye ulip Lena pada. Kripaya ek video hdfc smart protect plan ka bhi bana dijye

[@RaviSingh-qv8te]

Aap badi khubsurat ho! First time watched 🥰

[@naitik79]

Thank you for informing however i would like to point out about Click2Wealth Plan. Which is similar to click to invest just different is unlimited switches. Another thing is Click2Wealth plan gives 1% additional unit allocation on anual premium amount which can obviously reduce costing of other charges.

[@harjitsingh4151]

I have the same policy,I pay monthly 8334rs.

[@dg1522]

@@harjitsingh4151 and patel Naik, I also m looking for HDFC online ulip, but charges confuse me...out of 8334, how much gets invested and how much is deducted in charges

[@amarveersingh4275]

Nice information mam. I also invest in the same plan. Now I am much aware of this. Thankyou mam.

[@harshvardhanpatil9081]

Really nice information helps lot people thank you good work 👌

[@dayanandsingh1784]

What's your opinion about hdfc click to wealth or bajaj Allianz goal goal assure... Both plan has least cost structure.. Allocation or administration charges are nill. Mortality charge is refundable and ltcg tax are not applicable.

[@aayaannegi]

Mam would not revert on this,IAM sure on it.

[@avisingh3700]

Super jabardast. Hats off to the beauty with brains

[@sachinmali703]

Mam please explain bajaj allianz goal assure plan what charges or best plane or not.

[@optilinktechnology985]

Nice informative video. You can't expect any good return from ULIP in less than 10 years. Another thing, Fund management charge is being adjusted in NAV price on daily basis I think, like Mutual funds. So there is no mention of that charge individually, in the statement.

[@jayeshrajpurohit6311]

Right

[@akhileshsingh4239]

100% Agree

[@vamsikrishna1934]

How can you say ULIP returns are not good in less than 10 years even having tax benifits too !. Low cost ulips are looking better

[@lekhramsahu4814]

20 Years invest in ulip plan and same invest in any small cap mutual fund, which gives me a better returns after deduct tax. (Like in mutual fund LTCG)

[@lekhramsahu4814]

I have invented in opportunity fund I last 3 and half years amount is 87500 and my current fund value is 108000, so please reply Mutual fund is good or ulip plan. My policy term and premium paying term is 10.

[@pratikpatel4251]

LIC के जीवन आनंद प्लान के बारे में समजाये... और उसके मेच्योरिटी के अलग अलग ऑप्शनमे कोनसे सरकमस्टेन्स में कौनसा ऑप्शन बेस्ट है ये भी बताएं... क्योंकि मुझे 3 अलग अलग एजेंट्स ने ये प्लान लेनेकी सलाह दी है।

[@bharth1]

धन्यवाद बहुत ही सटीक जानकारी दी आपने सही कहा इंसोरेंस ओर इंवेस्ट को क्लब न करे मैं भी इस पालिसी मैं हु 3 year से इससे बढ़िया मुझे MF मैं 35% मिला 1 YEAR मैं

[@PramodKumar-rc2yg]

Tks Mam for the Good information, PPF is best for the secure investment...?

[@sanatanibengal9210]

Very nice and proper Informative video.I have also suffering by this fund

[@theblackswan2001]

ধন্যবাদ আপনাকে। আপনার এই জ্ঞান আমার জীবনে ও আমার অর্থনীতিক অবস্থাতে অনেক অনেক সাহায্য করবে।

[@BWealthy]

Apni mon diye kaaj korun, apnaar jibone onek unnoti hobe Pintu Jee. Stay Blessed B Wealthy

[@mi06bba030]

5:48The fund management charges are applied at NAV level. NAV value already represents fund management charges

[@vishalkothari3283]

Thank you so much for valuable information, unfortunately I m the victim of hdfc Pro growth from last 3 years .. Plz tell me know how can I stop this plan n invest in right mutual fund

[@shikhabanerjee1421]

Should the policy be continued in this case or surrendered...

[@manoranjanmahapatra5451]

Ma'am I am very much inspired , I had no idea about investment but after watching your video now I have started investment . Thanks for ur valuable suggestions

[@dayanandsingh1784]

She has lack of knowledge...

[@nareshcpally4387]

Perfect explanation. Bank officer made me to invest in this ULIP. I made a mistake. I would have watched your valuable video prior to investing. Already 1 year over and have to wait 4 years to exit from this plan. Any suggestion to exit before 5 years?

[@sandeepshah105]

Actually we miss couple of things. One there is a life cover, so it can't be free of cost. Second the returns are tax free.

[@vamsikrishna1934]

Please check your fund value it is growing or not that is important first !

[@Ash-dv3sk]

Ulip govt servant tax benefit milta hai phir bhi kya alag alag insurance and investment karna chahie

[@abinashnayak1130]

Please advice the best way to close the ULIP plans..

[@shinoysashindran1487]

Thanks for the video ! I had already invested in ULIP (ICICI); As you indicated it is utter LOSS, compared to investment... 3 years completed now... What's your advise for me now?

[@PrinceVerma-du3sx]

Same here

[@bharatshakya6633]

Same here, i invested 4 years in hdfc progrowth plan, but today no profit till today

[@brijeshvenom]

​mî pa?o 😊😊😅

[@amitjangra9934]

Mam Mene hdfc life pro growth plan liya hua hein Isko open kaise karte h

[@sushmanishad3717]

Ma'am can you suggest me Tata AIA diamond saving plan 18 years is Good or not????

[@rameshjoshi1053]

Good morning madam. I have purchased max life young pension plan. 2 instalments of rs. 1 lakh each. Whether I can withdraw now from policy?. If so pleesse guide me.

[@sonuguptabiharpolicesi5665]

Mere sath bhi huaa hai same condition hm to abhi tk 2 premium hi bhare hai abhi tk or aj jb uska pdf ka Mail aaya to dekhe phir ap ka abhi video dekhe aisa hota hai kya to ap ka video dekh kr malum huaa ha hota hai aisa thank u....🙏🙏

[@shakilahmad8075]

Very nice speech. I also suffering same work ULIP. I should surrender?

[@lalitsaini7227]

I am also holder of HDFC life ProGrowth Plus

[@sopansathawane8110]

shall I surrender HDFC SL progrowth felxi policy

[@mubarakgugad]

Madam . Agar muje HDFC Progrowth plus cancle karna ho to kya ho sakta he

[@abcdabcdabcd317]

This video is really true... The bank person sells this policy saying it is better returns than ppf/fd .. which is not the case. once money is stuck .. it is stuck for five years.. growth is negative... the agent who sells these policies receive huge amount whenever we pay premium .. alomst 90% in 1st yrs..and then some % in subsequent years ( i have confirmed this from a banker friend). Its wealth growth for bankers and agent not for us.. then if you complaint about this in the bank.. they give reasons like :you are getting insurance as well, market is not performing well , and all other kind of dumb reason.... although at the time they sold the policy they knew you wont make any money out of this.. They just LIED and they know they will get away with it.

[@roushankumar4413]

mam bhut important ques h ye bhuto ko nhi pata h or mujhe v nhi h.ulip me jo 8fund ka option h usme kb or kitna invest krna h ye karne wala koi fund manager hota h kya.ya phir o hmlog ko khud se krna padta h plz is per ek video jarur banaia bhut help ho jayega hmlog ka plz mam

[@crusaderkumar2868]

Thank for the eye opening video...I am going to stop my hdfc policy, which is exactly same as you explained..i checked my account statement and realised the hidden charges..it's waste of money

[@Iam_namangupta]

Exact same story with me. Now let me know what should I do ?? I can surrender the policy and bear the loss as market is down. Or stay with it. Please suggest.

[@sushantpanigrahy4638]

Hdfc life pro growth plus Started in 2019, due to corona, what to do if you will not be able to pay now

[@subratamaity3392]

Really it helped me a lot. I hve d same policy of 5k/y which i ve discontinued.

[@abhinavtiwari6695]

Madam Ab hum Kya karai ulip chalu rakhai ya . Surrender karai. 2 primieam dai Diya hai. Please suggest

[@nachiketkadam9015]

Mam which will be the best mutual fund plan to invest

[@mohitmendiratta7153]

Nice video mam . Great awareness of ulip plan . Keep it up excellent job .

[@gauravs900]

Hi, I have one question let say I invest in HDFC click to protect wealth and pay charges such as fund allocation and mortality. I invest in hdfc debt fund which give me 8% return after maturity I will get all amount as tax free in case of hdfc wealth plan (debt fund).. Where as I have to pay 10% LTCG for equity or 10,20,30% (tax slab) in debt fund in case of mutual fund. Which one will be good hdfc Or mutual fund

[@yogeshmane7776]

Wow...Really Nice Fruitful video ! I really Thank you so much Mam...i did enquery in HDFc manager and One of there employee also one of ICICI banker were suggesting to Invest me hdfc 30k minimum and ICICI 60k Minimum in ULIP ( Pro groth) plan.. but i saw your video and now i am Safe only beacuse of you ! Thank you so much..the bankers are so lier they preset something else and in background exist totaly different... even after they are well known Banks...such a big scam... ! Even of HDFC FD they show ROI something different and in Real they giving something different...

[@saifkhan-qk9no]

Please could u give me the detail of HDFC SL Progrowth super ||.....what can I do for this scheme...?

[@sushantasarkar8538]

Awesome swati jee...looking so refreshed and energetic...:)

[@sushantasarkar8538]

Just need suggestion....Which one is better...icici index next nifty index fund or uti next nifty index fund..uti expense ratio is low compared to icici...

[@BWealthy]

Thank you Sushanta Jee, for watching the video and all the kind words. Stay Blessed B Wealthy

[@varunparikh1780]

Swatiji, good information shared with us. Beauty with Brian

[@rohitnarula3582]

Amzing I was about to take ulip I chnage my mind now thanks swati for amazing explanation.

[@mahitisagarsetu922]

Swatiji aap ki video super ke upar hote he .aapki aawaj muzhe bohot pasand he jo sidhe touch karti he

[@lifeandme3645]

Thank you didi.... Your video saved me from investing in ulip

[@santoshjoshi4080]

I am listening to you ever since you started analyzing investment and insurance schemes. Perfect work. Best wishes I am.paying a very heavy annual.premium for hdfc life sanchay. For 6 years I have to pay premium I have paid 2 annual instalments How can I change annual premium.. payment to quarterly. Because I have. Lost my.job. Thank you.

[@MukeshKumar-qo7ky]

I am looking any ULIP policy with below requirement. Pay Term - 5-10 Years Policy Term - 25-30 Years (One time payout) Policy premium - 36000-48000 per year Basically, I am looking any ULIP policy with least pay term and most policy term. However it is market linked plan but how much rate of return I can expect in 25-30 year policy term.

[@horilalsahu6296]

Thanq so much mam.. very good information provided by you..

[@mbk3989]

Please give information about SL PROGROWTH FLEXI

[@manojgaru7881]

Madam mere pass HDFC Life click 2 invest plan hai salana salana 59000 investment hota hai main 3 sal Diya hai abhi market belu 183000 belu hai kya growth performance sahi hai

[@nasirsikalkar7629]

Middle class monthly 3 se 4 hazar mutual fund me monthly invest karna chahata hu. Madam ji sahi aur acha mutual fund bataye pls

[@YogeshKumar-ic2fj]

Well today i am thinking to take this ulip plan. Now i have to consider wheather should i go with it or not.

[@acturian9570]

Quite insightful n pretty well elaborated I must say. Highly appreciated. Thanks very much indeed

[@agharamansukh5212]

hdfc pro groth flexi plan 2 years pay karne ke bad discountus keya he abhi cuntinu karu ya 5 years ke bad rp vapas lelu?

[@shubhangighule5168]

Really eye opener for new learners....thank you so much mam🙏

[@shripogul4088]

You explained very beautifully, thank you, madam.

[@sukhdeepsingh8422]

Thanks for valuable information swati ji

[@JitenderKumar-nj2gp]

Max life Monthly income advantage plane kaisa hai ?

[@nadimshaikh4746]

Can I withdraw this plan/investment, before lock-in period???

[@aarohanmehla2224]

Thanks ma'am. Aapne bacha liye muje iska offer le ke aaye the mere pass hdfc Bank se . Maine unse expenses ke bare me pucha to kaha ki kuch nahi bas 2 % ke aas pas hi lagte hai. Sab fraud hai koi sahi se nahi batata. Thanks a lot you ma'am

[@ashwindawra2657]

Hi Ma'am ur the best person to guide and help us in spending the money or investing in right manner ...Thank you and God bless you always!!

[@anjanathakur6077]

Thank you Mam

[@manishmehta8651]

Compare and Explain HDFC super income plan whith best insurance plan of LIC

[@MsBoney1000]

madam maine 5 saal phle hdfc super income plan liya tha. ab kya karu ?

[@nehakhanna3017]

after lockin period, if i stop this plan and remove my funds..how much will i get inhand

[@ashishasawa8316]

I too have taken it but click 2 invest so far invested 4 lakh and fund value is 4.7. I kept 20%blue chip and 80% income fund. Have taken for 80 investment purpose, wasnt aware there are better options at that time. Last premium due so then i can take out next year, but i guess better to keep it till mature.

[@vamsikrishna1934]

You won't get much returns on income fund !

[@AltafShaikh-rk3kf]

ab le liya hain to kya kare 5 saal ka lock in period hain aage ke premium bhare ya nahi bhare please suggest...

[@pankkajkhannahes9157]

Thanks Swati ji

[@muktahanda4251]

Fund management charges given for managing the funds...

[@sachinsharma8920]

Madam please bataye ki Bajaj Allianz future gain policy kesi he mujhe sirf 10 din huye he policy liye premium 3k monthly

[@zori8697]

This is helpful. I think this plan is worst. I am feeling heat. I need to close this.

[@whenitravel9122]

So what to do? Should we discontinue the investment or continue till the end of the term? Suggest

[@RiteshSingh-bt9yu]

Madam should I stop my Ulip Plan I have been invested in Bajaj Allianz Ulip Plan since 4.5 years?

[@vivekpmc1992]

HDFC SL Pro growth plus kya hai ye SL ? 50000/yr for 10 yrs with maturity amount of 5 lakh , than what's benefit ?

[@ashokmahadik]

Thanks but it's too late for me now. I invested 5x99999 from 2011-15 in HDFC SL Crest & got 478036 now after 10 years ! Could not understand much about all this.

[@rajiv00784]

Nice explanation. Can you create a video for best term plan .. Only life coverage

[@GagandeepJoshi]

Max life term plan is best. With return of premium. 7 death benefit.

[@akshitshinde323]

mene kal he hdfc main 30000 investment kiye hai ...or aapka video aaj dekha mene ...aab main kya karu...please tell me

[@axisit2872]

yes i cheked unit statetment .u are right i am paying monthaly charged......

[@navdeepsingh6296]

Wahoo thanks mam share krne ki liya.. Main soch reha tha ulip ka plan lena k liya.

[@BWealthy]

Alexei jee, thank you so much. vido dekhne aur pasand karne ke liye.

[@Rajeshsingh-pi4jy]

Hi swati ji, I"d like to express my gratitude for this wonderful video.thanks !!

[@anupamsinha3202]

Yes, insurance and Mutual fund can't be connected. Generally banker or friends sell this item to an individual.

[@yogeshbaseri]

Mostly Friends I am victim

[@anupamsinha3202]

@@yogeshbaseri generally this happens in ULIP and in insurance.

[@nipandaspaperboat5097]

Ma'am mujhe kuch amount investment karna tha or kismai Karu confusion ho Raha hu,,,

[@sujit3603]

Please Mam mai Hdfc sl progrowth super 2 plane liye hai please is ek video banaiye

[@mkumarap]

We like your opinion

[@AmitKumar-kh4pk]

Subscribed! Loved the way u delivered ur content which was useful in decision making :)

[@BWealthy]

Welcome aboard! & Thank you so much Amit Jee. Stay Blessed, Healthy & B Wealthy

[@parveentanwar1677]

HDFC SL ProGrowth Super Il policy maine li hui h …Mdm Maine ye policy 2017 me li thi..uska lock in period 22-06-2022 h ..m usse close krwana chahta hu ..to kya process rhega..plz btae

[@bhagyamacharya9701]

Ma'am u explain very well keep it up ... Pls make video on HDFC life pension super plus