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
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.
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
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.
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.
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
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
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
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!
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
@@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
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...
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.
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
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..
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.
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 .
@@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
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.
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.
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….
My little suggestion for you, you should have shared about taxfree maturity or Taxable maturity Upto 2.5Lac Premium in ULIP is Tax free maturity then compare all returns
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 😊😊
@@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 🤣🤣
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
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
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
Many thanks to you. I was in a deep dilemma to choose between these two investment options. But your detailed explanation with data solved the puzzle. Thank you 🙏🔥✌🏼
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.
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
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?
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 ❤
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.
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...!
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.
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
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
@@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
ULIP is good of you do good research. This is also good for people who are not sure if they can save money in disciplined way. But avoid SBI ULIP. I have bought one and planning to leave it after 5 years. One ULIP is good. But invest more in mutual fund
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...!!
Bhai Gaya thu. Agar stop kiya tho tera paisa duba. Katham hone tak continue rakho. Abhi jadya din nahi hua hai iss ulip ko cancel karo ( 10000 ya 20000 dhub Jane do).
The lock in period in ULIPs is very important..most people withdraw money from mutual funds before the proposed duration. Not the same with ULIPs. Point must not be ignored.
Life insurance comparison is wrong.Around 50k annual premium for ulip gives life insurance around 50-60 lakhs. All other comparisons don't show much difference.
ETF ek tarah ka mutual fund he hai bas stock ki tarah trade hota hai. ETF ka exoense ratio thoda kam hota hai aur liquidity zada. Toh itna koi farak nahi padta. Agar aap ek dum control rakhna chahte hain toh ETF thoda better hai.
Will the Return on Investment be the same for both Mutual Fund and ULIP, once the mandatory lock-in period in ULIP is over (i.e. more than 5 years old) ? Also, is it true that the maturity value in ULIP becomes 100% tax free if the annual premium is less than Rs. 2.5 lakh per year ? Grateful if both questions are answered. Thanks.
For the answer to the first part, ULIPS take high percentage as charges like 10-20% whereas MF takes 1-2% so if you are investing 2,50,000 on both equally, ULIP will have only 2lac invested of your amount in the market, whereas MF will have 2,45,000 invested. So there's straight away huge difference of amount being invested. Definitely the returns will be likewise even if both ULIP and MF are delivering same rate of return
And for the 2nd part, yes the taxation on maturity is free if your annual premium paid by you on ULIP is less than 2.5 lacs. But still even after LTCG, effective return on MF will be much higher compared to ULIP. Try to do the calculation and you will find out
Why yes? Everybody says MF is best.. It gives u good return. All of that is true.. But we should know on which MF one has to invest. Only then investigating on MF will be good.. If u don't have knowledge on MF , then u might loose money as well if u put on wrong MF.
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 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.
When I get my full return after the maturity period, under section 10 ( 10D )there is no capital gain tax ! Is this true ? If this true then what should I do.. do I continued my sip or invest in ulip ? Plz suggest!
Explanation for 10(10D) is slight incorrect. If premium is less than 2.5lac (now 5 lac!) , then the maturity consideration is exempt. Meaning even if you had invested 5 lac annually for next 10 years (assuming IRR of 15% which is quite possible in next decade) , maturity value comes to around 1.2 cr. Capital gain tax will be NIL.
2.5 lac, now became 5 lac ? When ?? As far as I know ULIPS bought after 2021 April Net yearly premium should be less than 2.5 L Then only 10-10D applicable. From where u got 5 lac ?
Best to take an ELSS plan plus separate term insurance. 80 c tax benefit upto 1.5 lakhs per year. Only 3 years lock in . Much lower expense ratio so much higher return. In case of death, ELSS amount plus term insurance will accrue to next of kin, but in ulip only higher of the two amounts is given. The insurance company effectively swallows a large sum of your money
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.
Dear sir, last 8 moths i will investing 10000rs per month withdraw after 30 year in maxlife ULIP capital guarantee 150momentum index fund. I seen in your video please tell me i will what to do?
Ulip me koi kyu 3 lakh year me premium bharega jab 1.5 lakh tak hi tax me saving he+ usme aapne kese deduct kia ki 2.5 lakh pe tax nai lagega and 50k pe hi lagega can anyone explain?
𝗕𝗲𝗻𝗶𝗳𝗶𝘁 𝗼𝗳 𝗨𝗟𝗜𝗣(𝗔𝘀 𝗮 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗱𝘂𝗰𝘁) 👉 1) Tax free upto 2.5 lacs premium/Y 2) Fund switch options, it's hlp to avoid market volatility (Debt / Equity / Debt + Equity) {4 switching in a year is free} 3) Charges r high but some of r refundable 4) Now days some ULIP dnt hav Mortality charges (LIC Pension Plus) 5) Policy holder can get Debt & Equity benifit in same fund 6) Return 8 to 15% CAGR 7) In LIC hav 'sovereign gurantee' sce 37 (1956)
Bhai 1 cr ka term plan 12000 me kon de Raha he hame bhi batao??? Me 9th fail hu to mil sakta he kya? Mere ITR 4 lakh ke bharte he to muje mil sakta he kya?
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Jinka aducation 12ths se kam hai uun ko kaya kar na cha hiye uunko to 1cr ka trum nahi mil ta na
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
True
Point 2- even if the charges are refunded you'll lose out on its compounding effect.
And it’s giving decent returns like 15%.. return is non-taxable . I don’t know why they de influence it
@@Sujith_Pappanyes, have same query..can someone explain in detail
@@Sujith_Pappanreturns are taxable...
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.
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
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.
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.
@@kitten_with_bad_breathyou have little less knowledge I must say
@@R2Jsyour investment strategy is not upto the mark connect with me just reply to this comment
No question, everything is very precise & clearly explained.
Thank you.
Thankyou
This is totally misrepresentation and tried to shows ulip plans as bad investment.
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
Kuch ni hota bhai. Banker houn experience se bolrha houn, ULIP leke Loan disburse kiya hei maine, log wilful default kardete hein.
@@CUB-qy2hjbhai batao ulip good or bad
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
@@yoddha457 I can guide you well this perticular video is misguiding
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
Yes!
It's wrong investment.
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!
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
@@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
HDFC ULIP IS VERY GOOD I DONT AGREE WITH THE VIDEO MAKER
Sir, As per the various sites Ulip returns are up to 25-30%... Is this true ?
Yes,.... But always assume average returns.... Which is around 15-18%
You could generate upto 60% of annual returns with ulips just need to select funds wisely and use switching on time
Yesterday I was searching this. Policy bazar representative is searching me like wanted.
Thanks for your thoughts here 🙏
Same happened with me
Same with me today😂
+1 today 😅
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...
म्युचुअल फंड को मोटिवेशन देना ही एक मात्र उद्देश्य है इस विडियो का
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.
Thankyou ji very nice comparison and crystal clear explaination
Exllent app bahut hi achcha example diye bhut hi achche se samjh aaa gaya mujhe sir ❤❤❤
Glad to hear this!
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
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..
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.
2% change after 20 years with annual premium of 1.2 lakh will be 29.5 lakh. Is it good you decide
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 .
@@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
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.
thank you sir ❤ very helpful 🎉
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.
No allocation fee
No administration fee.
Tata aia midcap fund.
Which ULIP plan is this ?
You have said fund name
Say the ULIP name.
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….
Toh ULIP aaj ki date mai lena chaihye?
@@namanverm4426 yes
Check sbi life mid cap fund in Google you will understand... sbi life privilege plan best hai
Please suggest best 4G ulip
How is the Tata aia sampurn rakshak 2.0 plan for investment + Term plan vs mutual fund
Tata aia is best
Bakwas zoot bolke plan dete hai or badme hidden charge lagte hai.
@@roshanraut8774aap k sath galat hua hai shayad aapko sahi jagah invest karna chahiye agar unwanted charges nahi dene to
Dhanyawaad Guruji! Bahut adhbudh tarike se aapne samjhaya.
My little suggestion for you, you should have shared about taxfree maturity or Taxable maturity
Upto 2.5Lac Premium in ULIP is Tax free maturity then compare all returns
Nice comparison, as tax rates are revised , can you compare now & make a new video. Thanks
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 😊😊
Same mere sath v
उल्लू बनाया सो ठिक हैं, पर exactly क्या हुआ?
@@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 🤣🤣
Maxlife ULIP meri life ki sabse badi galti...7 saal me 2.5 lakh k sirf 3.5 lakh hue hai
@@VinayMaurya महीने की किश्त कितनी थी policy bajar से policy ली क्या अपने
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
Your investment is absolutely on right track don't get distracted by anyone speaking anything on past or outdated data
@@Ajeebnaam As i m new agent in Lic ,should i sold ulip plan to coustemers or not,is this guranteed plan or not
@sumairaali352 LIC is not a ulip until it mentioned LIC mostly have guaranteed return plans
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
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
Many thanks to you. I was in a deep dilemma to choose between these two investment options. But your detailed explanation with data solved the puzzle. Thank you 🙏🔥✌🏼
Same here
What if I tell you these are outdated details and some facts are not proper
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.
Thank you🙏🙏
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
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.
There is no GST in ULIPs of LIC.
@@abhilashchanda4315aisa hai... insurance word aate hi gst clear hai lagati hi bhai...ulip mai bhi insurance hota hai
@@kavianoopshakya112Bhai Ulip mai khabi GST nahi lagta
Shi kha aapne 👍👍👍
@@kamalnayan.23lagta h 4.5%
You are wrong brother ... Aajkal ulip me bhi 100x yearly premium life cover h....
Could you please share plan name of ULIP which offer 100x life cover of annual premium
Tata AIA sampoorn rakshak
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?
SBI LIFE ka SMART SCHOLER PLUS plan kaisa hai ?
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 ❤
YOU NEED A GOOD ADVISOR NOT A NEW PLAN BROTHER
Sbi smart privilege plus vs mutual funds comparison pls
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.
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...!
Right, ager death hoti hai toh apne jitna premium diya hai + life cover aur premium ka 105% paisa uske nominee ko milta hai
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.
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
@@rahulbeats8251 Arre lekin n2nd year mein agar death ho bhi gaya to term plan se to 1 cr. mil jaega
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
Click 2 wealth ke saath compare karo sabse kamm charges hai usme hdfc life ka ulip plan hai
Very well explained, Thank you so much
If possible, Please make a video on GDP
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
Kya name h plan ka
@@ranashubhamtanwar818 Protect And Gain ... If you want more information regarding the plan. ..then reply
Bro utne charges bhi lagte hai isse acha basic term plan lele aur ulip best rahega
@@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
Once your ulip value reaches 50 lakhs, your life cover will be zero.
यूलिप्स😤😤😤😤,म्यूच्यूअल फंड्स सही है😎😎💪💪👌👌,बहुत ही अच्छा वीडियो मुकुल जी😊😊👌👌🇮🇳🇮🇳🙏🏻🙏🏻🙏🏻
But what if ULIP is providing accidental life cover upto 100x.
As in TATA AIA PARAM RAKSHA LIFE PRO??
ULIP is good of you do good research. This is also good for people who are not sure if they can save money in disciplined way. But avoid SBI ULIP. I have bought one and planning to leave it after 5 years. One ULIP is good. But invest more in mutual fund
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...!!
Term plan savko nahi milta hai wo bhi batao
I brought TATA AIA fortune pro ULIP plan today as the premium of 10000/month upto 10 yrs. Is it good decision or not?? Pls advise!!
Bhai Gaya thu. Agar stop kiya tho tera paisa duba. Katham hone tak continue rakho.
Abhi jadya din nahi hua hai iss ulip ko cancel karo ( 10000 ya 20000 dhub Jane do).
@@tingobingo1401 🤔🤔 kyu bhai shi nhi hai ye?
Hi bro r u there
12000 me 1cr ka cover koun si company de rhi h ?
The lock in period in ULIPs is very important..most people withdraw money from mutual funds before the proposed duration.
Not the same with ULIPs.
Point must not be ignored.
Absolutely!
Yes. Mutual fund will make us withdraw the money before time which ultimately lead to loss
Put in ELSS. Tax saving under 80c. Three years lock in. Much higher returns!
Lock in period se return behtar mil rha hai
Not for all. There are many people who have patience to hold their mf investment for a long period of time.@@anjanbharali3470
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
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.
Very true.... 12k premium per year will get around 20-25 lakh of term insurance only
ULIP plan me Jo welth ka amount banta he....wo 10D k andar tax free ho jata he kya.....?
Yes Sec 10(10)D
There is no gst in unit linked policy, , please explain properly.. in right way..
Sir agar Ulip mai koi fayda nhi hai toh yeh laya hi kyu gya?
Y policy bazaar per keval ulip hi bechate hain kya ?
Sir main hdfc ulip purchase kiya hai usme 50 lac ka cover hai
Mera premium only 54000 per year ke approx
Why comparsion with only one ULIP plane we want Altlest few comparsion i found few ULIPS gives better things
Hdfc ka smart protect plan me insurance bhi Acha miltha please check plan & compare
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
Life insurance comparison is wrong.Around 50k annual premium for ulip gives life insurance around 50-60 lakhs.
All other comparisons don't show much difference.
For 50k annual premium, insurance cover will be 5laks (50k×10), not 50laks
Sir, ETF and Mutual funds which is better for investing? Please ek video banadigiye.
ETF ek tarah ka mutual fund he hai bas stock ki tarah trade hota hai. ETF ka exoense ratio thoda kam hota hai aur liquidity zada. Toh itna koi farak nahi padta. Agar aap ek dum control rakhna chahte hain toh ETF thoda better hai.
Will the Return on Investment be the same for both Mutual Fund and ULIP, once the mandatory lock-in period in ULIP is over (i.e. more than 5 years old) ?
Also, is it true that the maturity value in ULIP becomes 100% tax free if the annual premium is less than Rs. 2.5 lakh per year ?
Grateful if both questions are answered. Thanks.
Plz reply
For the answer to the first part, ULIPS take high percentage as charges like 10-20% whereas MF takes 1-2% so if you are investing 2,50,000 on both equally, ULIP will have only 2lac invested of your amount in the market, whereas MF will have 2,45,000 invested. So there's straight away huge difference of amount being invested.
Definitely the returns will be likewise even if both ULIP and MF are delivering same rate of return
And for the 2nd part, yes the taxation on maturity is free if your annual premium paid by you on ULIP is less than 2.5 lacs.
But still even after LTCG, effective return on MF will be much higher compared to ULIP.
Try to do the calculation and you will find out
Why you calculate tax before maturity and which elss giving us 22% return?
Best Explanation
Thank you Mukul ❤
If you invest the ULIP into equity (small/mid) returns will be same as MF.. essentially 2 vehicles to serve the same purpose
Best guidance
LIC ka ULIP ko 3 saal ho gye. Yearly premium 80k hai. Sir kya ab usko drop krna shi rehga ya continue krta rhu?😮
Continue karo ab
Maine kuch din pehle hi sbi ulip plan liya hai kya kru? Close kr du ki continue rkhu?? Plzz suggest me sir ...
Be invested min 5 years. It will give you good return.
There is new ULIP plan of Nifty Alpha 50 from Max life. Is this plan good for Investment ? Thank you
I have taken a ULIP plan and it's lock-in for 5 years. Currently I have been paying 10K/M and paying it from last 10 month. Should I exit it ?
Yes
Why yes? Everybody says MF is best.. It gives u good return. All of that is true.. But we should know on which MF one has to invest. Only then investigating on MF will be good.. If u don't have knowledge on MF , then u might loose money as well if u put on wrong MF.
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.
4100 for 50 lakh should be annual premium. Not monthly.
@@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.
Sbi life insurance best h interstate ho to details m bta du
@@News_Source_smart wealth builder k bare main batiye
Who will give term insurance for 12000 per annum
When I get my full return after the maturity period, under section 10 ( 10D )there is no capital gain tax ! Is this true ? If this true then what should I do.. do I continued my sip or invest in ulip ? Plz suggest!
Talk to me I'll guide you properly
Is it same for sbi life smart priviledge plus plan
Pnb nfo claims they are giving 25 percent returns and hdfc click to invest also giving 24 percent returns. What should we do? Mutual fund or insurance
Apne sbilife ulip k bare me search kiye ho..
Apka favourite konsa hai jo apke portfolio me ho
My age is 46 and want lic index plus plan. Is it best
What about benefit of switching of fund in ULIP ?
Pnb metlife smart platinum plus pr jankari dijiye
Explanation for 10(10D) is slight incorrect. If premium is less than 2.5lac (now 5 lac!) , then the maturity consideration is exempt. Meaning even if you had invested 5 lac annually for next 10 years (assuming IRR of 15% which is quite possible in next decade) , maturity value comes to around 1.2 cr. Capital gain tax will be NIL.
even with 10D, ULIP will give you less simply because it already charges higher cost upfront from your premium itself..
2.5 lac, now became 5 lac ?
When ??
As far as I know ULIPS bought after 2021 April
Net yearly premium should be less than 2.5 L
Then only 10-10D applicable.
From where u got 5 lac ?
Want to invest, which scheme will b beneficial..pls guide
Ulip me Ltcg ka benefit milta hai to
Pr mutual funds taxable hoga na... Aur ULIP jisme 10x insurance hai... Wo 80C k under tax free amount aayega
I have same question..
Here, He suggest MF + term insu..Maturity of Term insu. will tax free...
Term insurance will be a different plan. U can not tax free your MF by taking different term plan. Please note
Best to take an ELSS plan plus separate term insurance. 80 c tax benefit upto 1.5 lakhs per year. Only 3 years lock in . Much lower expense ratio so much higher return. In case of death, ELSS amount plus term insurance will accrue to next of kin, but in ulip only higher of the two amounts is given. The insurance company effectively swallows a large sum of your money
Mai hdfc life me work karta hu kisi bhi policy ki jankari ke liye meko pooch sakte ho😊 aur purchase karna hai toh aur acha hai 😅
Hello, what about hdfclife click 2invest
Sbi privilege plan vs any mutual fund, comparision because ya plan ajkal jada he sell ho rha h
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.
Dear sir, last 8 moths i will investing 10000rs per month withdraw after 30 year in maxlife ULIP capital guarantee 150momentum index fund. I seen in your video please tell me i will what to do?
How much returns you get till now?
Still 5194
I have already taken 2 ulip plan from hdfc ,should I continue or drop it.1st is 6 years old & 2nd is 2 years old
Pls continue dear.... There is no loss in keeping it..... U will surely get a healthy maturity amt.
ulip is worst
Profit/loss Risk kisme jyada h
Plz discuss about tax benefits lic ulip 749.
If i areasy have ulip should i sell it and by mutual fund instead??
Ulip me koi kyu 3 lakh year me premium bharega jab 1.5 lakh tak hi tax me saving he+ usme aapne kese deduct kia ki 2.5 lakh pe tax nai lagega and 50k pe hi lagega can anyone explain?
What about the returns in case of ULIP Plan which is market linked?
𝗕𝗲𝗻𝗶𝗳𝗶𝘁 𝗼𝗳 𝗨𝗟𝗜𝗣(𝗔𝘀 𝗮 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗱𝘂𝗰𝘁)
👉
1) Tax free upto 2.5 lacs premium/Y
2) Fund switch options, it's hlp to avoid market volatility (Debt / Equity / Debt + Equity) {4 switching in a year is free}
3) Charges r high but some of r refundable
4) Now days some ULIP dnt hav Mortality charges (LIC Pension Plus)
5) Policy holder can get Debt & Equity benifit in same fund
6) Return 8 to 15% CAGR
7) In LIC hav 'sovereign gurantee' sce 37 (1956)
Bhai ye bhi bataiye tarm plan har kisi ko nahi milta hai, but Ulip koi bhi le sakte hai.
Mutual fund se jyada return Mila mujhe ulip me 5 year me...
tumhara mutual fund fuddu hoga
@@tbpp6553scammer fund manager hoga 😂😂😂😂
O bhai hahaha@@tbpp6553
Ulip aur mf ka nam batao sabko pata chale
Kon sa liya tha?
Bhai 1 cr ka term plan 12000 me kon de Raha he hame bhi batao???
Me 9th fail hu to mil sakta he kya?
Mere ITR 4 lakh ke bharte he to muje mil sakta he kya?
Yein scenario kis age ke vyakti ke liye hai? 12K premium 1cr term insurance
Sir, after investing some amount in equity already, for tax saving and long term point of view, should i invest in PPF or ELSS?