Unknown factors about Returns in Insurance Policy | Nilesh Sathe | HINDI | BITV

[@anilrattan9979]

This video should be circulated countrywide again and again to regain the value of LIC, all credit goes to Mr. SATHE.

[@wisdom-r9n]

Thank You so much for taking interest in our channel,Thank you for your support! 🙏 I completely agree that spreading this message can help everyone understand the value of LIC. Mr. SATHE's insights are indeed invaluable You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@manishbisht3946]

Bitv ko mein kaafi dino se watch karta hun jese mutual fund sahi hai wese he BITV sahi hai🎉❤❤❤❤❤❤❤❤

[@wisdom-r9n]

Thank You so much for taking interest in our channel, आपका बहुत-बहुत धन्यवाद! 🎉❤️ मुझे खुशी है कि आप BITV को पसंद कर रहे हैं और इसे उपयोगी मानते हैं। आपका समर्थन बहुत मायने रखता है! अगर आपके पास और कोई प्रश्न या विचार हैं, तो बेझिझक साझा करें! You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@AmitPaliwal]

Very Good. We should follow proper asset allocation for all Short Term and Long Term Needs. LIC + Equity MF Combination is Good One.

[@insurance01145]

Very important information thanks bitv

[@Lakshyawithdevesh]

Very Informative Video

[@wisdom-r9n]

Thank You so much for taking interest in our channel, Thank you so much! I'm glad you found it informative You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@uchhabachandramallik5786]

Very Nicely explained regarding investment and Different types of assets. Very importantly explained why long term insurance is required. 🙏

[@ramlalsahu3570]

Ranjit ji aapko bahut bahut dhanyawad thanks 🙏 very very happy thanks 👍

[@wisdom-r9n]

Most most bablu bhaiya

[@prakashdoley9005]

Thanks sir ji for your valuable advice.

[@yogeshmaheta466]

Very good information 👌 👍 sirji

[@seemabisht6726]

Sathe Sir I agree with all the points highlighted by you in this video.

[@wisdom-r9n]

"Absolutely, increasing the exemption limit for senior citizens makes sense given their higher healthcare expenses. It would definitely ease their financial burden."

[@ravi7501225]

Very Nice Discription by Sathe g For Insurance & Investment Percentage and Long term Benefits.

[@wisdom-r9n]

Please give your comments

[@narendranathg]

The information shared in the interview is excellent Sir

[@wisdom-r9n]

Most welcome narendra ji

[@frenchwithnaveen]

Ultimate comparison❤

[@abhijitsane996]

One very good advise is - diversify. But some misleading comments like Insurance is one of the best form of investment is avoidable. But it has to be taken with rider that it is for people who can invest upto Rs 5 lakhs per year. No matter whatever and wherever you want to diversify, insurance is the worst place where you should keep your money. If at all you want to diversify then there several types of asset class mentioned in this interview itself which will help you build wealth. Even if you keep your money in bank account and do nothing with it, it still generates half thr returns of what is done by conventional insurance policy. These insurance policies only enrich the agents and companies; certainly not the individual. Not doing anything with your money is better than buying a money back or endowment policy.

[@wisdom-r9n]

Thanks for liking the video !

[@ssuhaschadra]

Very Nice Sathe Sir

[@wisdom-r9n]

"Thank you so much! Glad you liked it 😊"

[@pareshkumar7998]

Right Sir, always compares an Apple 🍎 with another Apple, Orange 🍊 with Orange, not with Coconut 🥥 which also as a fruit. Thanks 🎉

[@nbsathe]

Savings linked insurance plan like Endowment policy is like a Debt oriented Balanced Fund which has upto 20% exposure to Equity. Both will deliver almost same return. MF doesn’t have reach which an insurance has.

[@wisdom-r9n]

Well said

[@mohindersinghkamboj8756]

Compare the comparables. We should not compare a horse with a donkey. Insurance is not an investment. It's a coverage of risk instrument and MF are investments and they do not grant any coverage against the death or disability. 😊 so both are different instruments and cannot be compared at all.

[@nbsathe]

Insurance is the only instrument which covers risk on life. But at the same time it can be seen as an instrument of saving and investment as a separate class of investment. We always advice investors to diversify portfolio as per the axiom, Never keep all eggs in one basket. Savings linked Insurance plans may also be considered as an Asset Class and a portion of your saving should get this allotment. An Insurance Policy will not deliver lesser return than a Balanced Fund which has 15% exposure to Equity.

[@samp6603]

Sir, yes. Insurance must be considered as a distinct asset class, a safe and secure one.

[@Adilbarkatbarkat]

Ye log log din ba din berojgar hote ja rahe hain 😂😂

[@LIC.PRALHAD]

Insurance is Security of Life as well your Investment also. Nothing any where. Do the open eye study.

[@Chohangagan]

Insurance ek govt ka commission scam hai, logo ko garden bna rahi hai Insurance companies. Bina income valo ko term plan do na iske baare me govt ku nahi sochti... Bima dha Dali hai.. No endowment no ulip Only term plan is best.. Power of compounding is best appluly on sip mutual fund and special on ppf for long term.. An equity only needs 7 years investment for best compounding . Strictly no to Bima except term plan.. I strange is not investment.. Murakh ban..na band kare aise advisory se bank se..

[@rg-oo7il]

1. Why should one choose ULIP if u get much more times of SUM insured with very less price in term insurance?. 2. Upto 2.5 Lakhs return is tax free above that it is taxable. 3. LIC agent suggest this because they earn more returns on Premium and renewal, if u want to earn through LIC why not to choose LiC NIVESH PLUS, which gives customer more benefit and less commission to agent. 4. Bank FD gives u 40000/- per year without TDS interest earning where u invest 50000/- year in ULIP & consider interest.of 7%😅, within 10 years you earn more than 2.5 lakhs which will be taxable. 5. Also if u fail to pay ULIP premium u will loose life insurance cover, pre mature withdrawal gives u very less amount compare to ur total investment with some extra charges. 6. No one declared about exit load and operating charges applicable in ULIP, which will they charge on ur total earnings.

[@shantayyapujar9361]

Financial Piramid me 1st Step Insurance Badame all Investment Guruji all sahi hai

[@wisdom-r9n]

Thank You so much for taking interest in our channel, आपकी बात सही है! 😊 पहले कदम के रूप में बीमा लेना बहुत महत्वपूर्ण है। यह वित्तीय पिरामिड की नींव रखता है और हमें सुरक्षा प्रदान करता है। धन्यवाद, कि आपने इस महत्वपूर्ण पहलू को उजागर किया! You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@Adilbarkatbarkat]

Mujhe 4 june achanak 8 % ka nagtive mila sayed insurance me aisa kabhee nahi milta lakin insurance me bharta hi nahi to girega kiya😂 fd se bhee kam retun hai insurance me 😂

[@nbsathe]

It may be ULIP which has inherant risk. Traditional insurance plan doesn’t have that risk.

[@Adilbarkatbarkat]

@@nbsathe 90% recover ho chuka hai

[@Adilbarkatbarkat]

@@nbsathe risk to sar insurance mein hi hai insurance company is baat ki guarantee deta hai ki main aapko har sal 2% negative Dunga inflation se compare karenge to koi bhi insurance company Jo guaranteed return deti hai vah kabhi bhi 5% se jyada return nahin de sakti hai yah baat main yakin ke sath kahta hun to sabse jyada nuksan to insurance nahin hai

[@nbsathe]

@@Adilbarkatbarkat Except Equity, Gold and Property, no there asset class can give you return bearing inflation over a long period of time. 7% taxable return like interest effectively is less than 5% return of Insurance as per your calculations which is tax free. My intent is diversify investments in various asset classes and invest a portion in Insurance as well.

[@Adilbarkatbarkat]

@@nbsathe TAX 😁ap bhee na sir LIC. me phal premium dete hi GST lag jata hai kafee lamba experience hai ap samjahane ka aise nahi to waise kisi bhee tarah logon ko lapet hi late honge

[@bhaskarnaik5402]

Insurance policy me at the time of surrender bhara hua paisa bhi wapas nahi milta agr bich me withdraw karte hai . Aadhe se jyada paisa kaat dete hai.5 saal 170000 bhar ne par mere customer ko 95000 mile hai kya jawab hai iska

[@MFInvest5]

Sir, what about inflation? According to you, If we earn only 8.5% return per annum and inflation is about 5-6% per annum. Then we actually get 2-3% return in a year. Is it sufficient? According to me, Only term insurance is sufficient in which we pay a small amount for a big life cover. Other than this we invest in equity and equity MF. In insurance, if anyone invest in 1lac in insurance then approx 40% of 1st premium is commission of agent and in every renewal broker get 3-5%. So that agent promote insurance rather than MF and other investment options. If you opt 1lac premium policy for 10years then u pay Rs.1024750/- (including GST) but only Rs.924000/- is invested after deduction of all commission. It means 1lac of investment amount is decreased due to commission and GST. After that we adjust 5-6% inflation on this investment every year. So the maturity amount is very less in comparison with other investment option.

[@wisdom-r9n]

It's important to consider the impact of inflation on your investments. Thanks for raising this point!

[@manishbisht3946]

Jab LIC Mutual Fund main Life Insurance se CEO Hote the toh Unki language Yahi hoti thi ab LIC Mutual Fund mein Life Insurance ka employees Ko Nahin lete isliye LIC Mutual Fund ke sabhi equity schemes top kar rahe hain

[@wisdom-r9n]

Thank You so much for taking interest in our channel, आपकी बात सही है! LIC Mutual Fund में बदलाव के साथ, विभिन्न दृष्टिकोणों और दृष्टिकोणों का प्रभाव पड़ा है। यह देखना दिलचस्प है कि कैसे ये परिवर्तन उनके स्कीम्स के प्रदर्शन को प्रभावित कर रहे हैं। आपके विचारों के लिए धन्यवाद! 🙏🏼 You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@chandrakalajoshi7295]

🙏

[@manishbisht3946]

Endowment plan say equity mutual fund mein 15% kaise laga sakte hain unit linked plane se sirf equity Mein invest Kiya Ja sakta hai Nagi endowment saving galat information de rahe hain Sahab

[@wisdom-r9n]

Thank You so much for taking interest in our channel, आपकी चिंता उचित है! एन्डोमेंट प्लान और इक्विटी म्यूचुअल फंड के बीच अंतर को समझना बहुत महत्वपूर्ण है। एन्डोमेंट प्लान में आमतौर पर एक निश्चित निवेश और बीमा कवरेज होता है, जबकि यूनिट-लिंक्ड प्लान (ULIP) में आप इक्विटी में निवेश कर सकते हैं। अगर आपको किसी विशेष प्लान के बारे में और जानकारी चाहिए या कोई भ्रम है, तो कृपया बताएं! 🙏🏼 You can join our VIP community for daily updates of our videos by clicking below link chat.whatsapp.com/EBlcGvgO6DEJVht2chDGIz

[@raulasharma]

Full diversion tactics to make people invest in insurance schemes ..but kaam nahi ayega ..people have learnt thir lesson 😂😂😂

[@raulasharma]

5% Return ka kya fayda after 15 to 20 years ..kitna safe rakhoge Paisa ki kuch kaam na aaye

[@Adilbarkatbarkat]

Ye log berojgar hote jaa rahe hain 😅 are insurance company ke prati Jo meet hai na usko dur karne ke liye experience wala Buddha lekar aaya hai😂😂

[@Adilbarkatbarkat]

चाचा एलआईसी का इसलिए ज्यादा है क्योंकि उनके एजेंट बहुत ज्यादा है और इसमें कमीशन बहुत ज्यादा है म्युचुअल फंड में कमीशन बहुत कम है इसलिए कोई भी एजेंट इस पर काम करना पसंद नहीं करता है क्योंकि उनका कमीशन नहीं मिलता है और कमीशन के चक्कर में अक्सर यह लोग इन्वेस्टर का पैसा डूबा देते हैं LIC जैसे प्लान पर लगा कर

[@nbsathe]

Nobody has ever lost his money in Traditional Insurance plan like Endowment plans. They might have lost in ULIP which I will never advise for those who are averse to risk.

[@Adilbarkatbarkat]

इंश्योरेंस में आपके पैसे डूबने की पूरी गारंटी है क्योंकि फिक्स डिपॉजिट में 7% का रिटर्न मिलता ह और महंगाई 7% के हिसाब से चल रहा है और इंश्योरेंस 5% से ज्यादा का रिटर्न नहीं देगा तो इंश्योरेंस लेते साथ ही आपको इस बात की गारंटी दे दिया जाता है क्या आपका रिटर्न हमेशा 2% नेगेटिव चलेगा

[@arvindsainilic]

आपके जैसे बुद्धिमान लोगों की राय मानकर हमारे देश की अधिकांश युवा बचत करना छोड़कर लोन पर जीने लगे हैं।

[@nbsathe]

Insurance return is tax free but Bank interest is subject to tax. Equity as a class of asset has given higher return over long period beating inflation is a fact and so is the Gold but it has great risk of losing money as well. Hence it is advised to diversify your portfolio and keeping Insurance as one of the asset class and setting aside 20% or so for this is worth considering.

[@manojpandey9880]

आपने ये talk सुना भी की बस वैसे ही कॉमेंट किये जा रहे हो ?

[@sarojmohapatra9099]

Bhai pehle dhyan suno aur samjho,fir comment karna

[@LIC.PRALHAD]

भाई तु कुछ काम करके भी कमायेगा या सिर्फ Investment करके Return देखता रहेगा. तेरी कमाई भी तो बढेगी. Inflation को फालतु के खर्चे कम करके भी Balance कर सकते हो. मेरी बात समझने के लिये दिल, दिमाग और आखे खुली रखनी पडेगी. और सबसे पहले सच का सामना करनेकी मानसिकता बनालो. तभी सच दिखेगा. 10 साल से अपनी बढी हुई Income देखलो. अगर इन्कम नही बडी है तो काम करने का तरीका बदलो. लोगों से प्यार से बाते करो. लोगो से अच्छा बर्ताव करो. अपने आप इन्कम बढ जायेगी. यह एक जादु है. Full proof Magic.

[@hirveinsuranceagency]

नमस्कार सर जी बहुत बहुत बधाई एवं शुभकामनाएं इतनी अच्छी तरह से बीमा पॉलिसी और अन्य निवेश में पोर्टफोलियो बनाकर पैसा कमाया या बनाया जा सकता है। एडवाइजर. जे.एस.हिरवे ( बी एम क्लब मेंबर ) जीवन बीमा एवं वित्तीय सलाहकार भारतीय जीवन बीमा निगम, इंदौर