When I was in my 20's , my dad gave me many financial advises. One of which was : Never mix insurance with investment. And how correct , he was. Thanks for sharing.
Four things 1) Comparing guaranteed return with non guanteed return. 2) 6.6 % is below 1 lac, above is 7% 3) what if already invested in PPF which is max 1. 5 lac n still want to invest in guaranteed return. 4) No guaranteed plan gives return of 10%
True, MF is not guaranteed, but take 30+ years of MF history, in long term no one lost money in MF. I have been investing in MF since 15 years. Have seen multiple crashes and recoveries. I have not lost money. In fact, my returns are about 12% IRR. Even if you take the tax on MF, right now it's 10% on Long term investments, still the scheme gives at least 5+ lakhs less. Simple thing. Don't mix insurance with investment. But this really hurts insurance agents.. sorry.
Good comparison.. But in present scenario PPF is likely to fetch equivalent returns, without any life cover & the rigidity to stay invested for 15 years
U must also calaculate Income tax. On income generated through mutual funds income tax has to be paid. But on this scheme i think the proceed are tax free.
Apka samjhane ka tariqa bohot acha hai.. awesome..* apne toh bank Walo ka drama bilkul open kardiya ye bank wale istarha Logo ko bewaquff banate hai ..**
Very good. Please also guide how to exit this policy. Surrender valve is 50% only after 2 years lockin. What to do.? Never wanted to buy this policy but my banker arm twisted me into this.
Good evening mam. मै कल याने 22 अगस्त को इसी प्लॅन में इनवेस्ट करने जा रहा था। वक्त रहते संभल गया। मै आपको कल मेल करने वाला हूं, बहोत सी बाते पूछनी है। आपका धन्यवाद।
Quite impressive lecture and understandable language ma'am. I am retired from Army so I haven't knowledge of investment. One of my friend had taken this policy due to unawareness. May I request you to guide army guy's retired every year in several lakhs if possible. n
You have told absolutely right thing. Most of us don't know this difference and invest in these instruments. You are fabulous with beauty and mind ma'am.
Mam, SBI LIFE RETIRE SMART ka policy keisa hai?or sbi life retire smart ka ek video jarur banaye ga plz....ap ka sob video bohut accha hai...samajhne me asani hoti hai...thank you mam...
SBI LIFE RETIRE SMART ka ek video jorur banayega.... Sbi life retire smart policy me har sal 1 lakh (5 yrs,total 5 lakh)dene pe,20 sal bad mejhe 18 hajar rupees per mahina milega keya? PLZ REPLY PLZ.......
Thanks a lot madam. Very good explanation. Aapne mujhe heavy loss se save kiya, I was planning to invest in this worthless plan. Insurance company are befooling innocent people by selling such policies.
Respected madam, unfortunately I had invested in SBI life smart wealth builder plan in 2016 having premium of 1,50,000 per annum. My whole money is invested in bond fund but the performance is not so good. I have paid 4 premiums of 1,50,000 each but total is only 6,36,000/- (approx) just giving an addition of 36,000/- in four years. Suggest me whether I should continue in this plan or surrender it after lock in period of 5 years
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।
swati mam I really appreciate your great afford what an explanation thank you my best wishes to you and your family live long healthy and wealthy life God bless you
Mam well said i also calculated in same way, i took home loan now they are compelling me to take this investment policy as mandatory after some day of loan issue what u suggest
Doodh ka dhoodh aur pani ka pani ho gaya !! There is a simple formula to calculate the retrun percentage , it is called IRR (Internal Rate of Return) and can be calculated based on cash flows outgoing and incoming over many years. I quickly calculated using Excel sheet and in this case it comes to 7%.
I have many friends who have invested in mutual funds but most of them say they did not get much return on maturity. I think PPF or FD is safe and better options.
Swati mam aap bahat achhi tarah samjhati hain, koi doubt hi nhi rehta. Mujhe ek problem hai. Kuchh dino se mujhe ICICI walon ne ICICI I pro PROTECT karke insurance ke bare baa baar bata rahe hain. I really confused to take that insurance... Please help me about that insurance policies. Please and thank u so much for this type of knowledgeable video. After watching ur videos we all conscious.
Agar mai galat nahi hu to.. App teacher ho kya ? mujhe mera college aayad aa gaya, our ye video bahut help kiya samjhne me ki kya sahi hai our kya galat,
When I was in my 20's , my dad gave me many financial advises. One of which was : Never mix insurance with investment. And how correct , he was. Thanks for sharing.
Four things
1) Comparing guaranteed return with non guanteed return.
2) 6.6 % is below 1 lac, above is 7%
3) what if already invested in PPF which is max 1. 5 lac n still want to invest in guaranteed return.
4) No guaranteed plan gives return of 10%
NSC and sukanya yojana...only for tax free returns...returns are normal 7 to 7.5 depending on quarterly govt result...u can go with insurance olso.👍🙏
Arpit mind is ppf nowhere written guaranteed return after 15 year's..what ever the percentage
Beauty without brain
Garennt k liye term plan hota hai
True, MF is not guaranteed, but take 30+ years of MF history, in long term no one lost money in MF. I have been investing in MF since 15 years. Have seen multiple crashes and recoveries. I have not lost money. In fact, my returns are about 12% IRR. Even if you take the tax on MF, right now it's 10% on Long term investments, still the scheme gives at least 5+ lakhs less.
Simple thing. Don't mix insurance with investment. But this really hurts insurance agents.. sorry.
Good comparison.. But in present scenario PPF is likely to fetch equivalent returns, without any life cover & the rigidity to stay invested for 15 years
You are really good best example for everyone who take a policy without calculated benifits and risks
आपके इस वीडियो से मुझे बहुत अच्छी जानकारी मिली आपका धन्यवाद
Thanks so much hdfc life incurence Ke bare me jankari dijiye
Also without any profit
U r speech mind blowing & practically
Good wishes
समझाने की कोशिश बहुत अच्छा लगा! आपकी समझाने के तरीके बहुत अच्छा हैं! मैं PPF लुंगा
Very nice, apaka samazane ka tarika bahot hi badhiya hai
U must also calaculate Income tax. On income generated through mutual funds income tax has to be paid. But on this scheme i think the proceed are tax free.
Apka samjhane ka tariqa bohot acha hai.. awesome..* apne toh bank Walo ka drama bilkul open kardiya ye bank wale istarha Logo ko bewaquff banate hai ..**
Swati bahot hi achha jankari dene wale video hai Thanks 🌷
Hellow madam Ur just social service for others God bless u alwayes safe future life others just like mother tersa salute u alwayes
Is it advisable NSC FOR 7YEAR @7.9% INTEREST RATE.. compare to this plan?
Mem best term insurance konshi co please bataye
Madam ji aap ne bhut hi achi pelanig btay to sukrya
U explained the things beautifully in simple n concise way..superb👍
But sabkuch saaf saaf nahi bataya.
Mf does not give tax free maturity, tax rebate, insurance cover and guaranteed return....
Practicle analysis.A great work. Very informative.Please provide best any sbi life policy.
Now this is called the real review!!!hats off mam!!!
Very good. Please also guide how to exit this policy. Surrender valve is 50% only after 2 years lockin. What to do.?
Never wanted to buy this policy but my banker arm twisted me into this.
Method of understanding is awesome
Awesome mam
Very nice calculation I like it thanks madam
kon sa mutual fund lena chahiye
Ye plan muze aaj hi bataya sbi life wale ne,,, but mbe apka review dekhna zroori samjha
How is hdfc balance advantage fun drt plan for monthly income ?
Bahut badiya mam,
Ankhe khol di apne.
Assure ke nam par kayse loot rahi hai.
Thanks once again Swati Ma'm
Tapas Barman jee, thank you video dekhne ke liye bhi aur taarif karne ke liye bhi.
Good evening mam. मै कल याने 22 अगस्त को इसी प्लॅन में इनवेस्ट करने जा रहा था।
वक्त रहते संभल गया।
मै आपको कल मेल करने वाला हूं, बहोत सी बाते पूछनी है। आपका धन्यवाद।
Fixed deposits are giving 6.7%
In this plan you are getting insurance in addition to assured return.
Mf are giving negative return for last two years
Madum* apka kaam dekh Kar hi public apke channel ko subscribe b karenge aur like b karenge... * You deserve it 💯%
thank you so much. Channel koo pasand karne ke liye. Please ise share bhi karen.
@@BWealthy yeah sure **
Which is best plan to invest for child education
Swati ji thank you for providing such knowledge.aap Sbi elite Ko bhi explain kijiye
Bhaisaab gazab ki knowledge h aapko itti knowledge laati kaha se aap
Kon si policy leni chahiye
swatiji, u analysed well, ap ne bacha liya, bahuto ko fbsne se, mujhe bhi, im retd pgt. thanks ❤
Really helpful video... Please review SBI Retire smart plan..
Whay is safety in ppf with gov5 bring in clause every know and then..
Sbi life ka platina ka plan achha laga. Isi tarah sbi life ke aur plane kaise smart money gold & money planner ko bhi batane ki kripa karmi.
Thank u sister..
Today u saved my 7 lac rupees..
Thank u so much..
Quite impressive lecture and understandable language ma'am. I am retired from Army so I haven't knowledge of investment. One of my friend had taken this policy due to unawareness. May I request you to guide army guy's
retired every year in several lakhs if possible.
n
You have told absolutely right thing. Most of us don't know this difference and invest in these instruments. You are fabulous with beauty and mind ma'am.
Sohan Lal jee,Thanks for watching the video and liking the content of it. Stay Blessed & B Wealthy.
Term plan+ investment+ high return plans combo , how to make , in which? Safety must
Medam upney mf profits ka TDS/ tax kitna % katega , iske bare me nahi bataya . Pl. give us details ..
Medum kirpya SBI sampurn surakchha policy ke bare me bataiye please reply krein
SBI Smart Elite Ulip plan ke bare me brief kare ki kya ye sahi hai
Mutual fund is good..... Insurance plan bahut badhiya samjaya madam
Shardulsinh jee, video dekhne ke liye dhanyavad.
bahut hi behtrin tarike se samjaya
Aditya Gurjar jee, thanks for watching the video. Stay Blessed & B Wealthy
Madam SBI life smart power insurance equity fund main 10 yrs nibesh kiye hai continue kare ya stop kare.
Madam ji share market fix hai kya 10% return , think about ..
Last 30 year का average निकाल कर देखो
Nothing is fixed kal to bank bhi dub sakta hai
Past performance k based pai 16%-30% assured man ke chaliye
Chance nhi ji
Koi bhi 15 yrs period utha k dekh lo sensex ka. Return 10% se jyada hi milega. Its all about time in market.
Madam kindly make a video about demerits of PLI (Postal Life Insurance)
Madam ji mutual fund konsa kharidna chahiye please bataiye
Very good illustration. Can you explain Aditya Birla SL ABSLI Monthly income plan ?
Swati, just a point for everyone's benefit - the compounded interest rate calculated in the video should be 6.06% but not 6.6%. Hope you agree.
Good advice
But one advice if I was surrounded my policy after 1 term then my money was return or not if return how much. ex.my 50000 thousand policy
Sbi smart platina smart plus vs SBI life assure.witch better
Mam sbi elite plan ko explain kare
In smart Platina life risk cover is 10 times of annual premium. ie 10 lac life cover.
Madam,, what is best policy in sbi bank ????
mam namaskar, plz give detail about sbi life smart platina plus
Sbi smart retirement fund ke bareme batayiye
Mam mere Husband 52 years Ke hai life insorens karni hai to kon si Kare??
Hy plzz contact advisor priyanka chanana....
Hello Ma'am you explain when we cancel this policy.. How much money we will got and what is the procedure.. Plz rply
Suggest proper life cover insurance plan.
mam which sbi policy to explation in video
Bahut achhe se aapne samjhaya mam
Thanks
mam please tell me should i buy shriram life insurance income plan or not
Please discuss sbi life retire smart plus policy
Thankyou so much mam.. For such a useful vedio! Mam ek query thi meri.. Sbi smart elite or jis policy ko aap describe kiye dono same h kya?
Mam, SBI LIFE RETIRE SMART ka policy keisa hai?or sbi life retire smart ka ek video jarur banaye ga plz....ap ka sob video bohut accha hai...samajhne me asani hoti hai...thank you mam...
Debatan Mukherjee ji, thank you so much for watching the videos. Jaan kar achha laga ki video aapko pasand aaya.
SBI LIFE RETIRE SMART ka ek video jorur banayega....
Sbi life retire smart policy me har sal 1 lakh (5 yrs,total 5 lakh)dene pe,20 sal bad mejhe 18 hajar rupees per mahina milega keya?
PLZ REPLY PLZ.......
Thanks a lot madam.
Very good explanation.
Aapne mujhe heavy loss se save kiya, I was planning to invest in this worthless plan.
Insurance company are befooling innocent people by selling such policies.
Rinku Gaur jee, thank you so much for watching. I am glad that you liked it. Stay Blessed & B Wealthy.
Respected madam, unfortunately I had invested in SBI life smart wealth builder plan in 2016 having premium of 1,50,000 per annum. My whole money is invested in bond fund but the performance is not so good.
I have paid 4 premiums of 1,50,000 each but total is only 6,36,000/- (approx) just giving an addition of 36,000/- in four years.
Suggest me whether I should continue in this plan or surrender it after lock in period of 5 years
The Only problem is it has long maturity duration with no monthly interest amount for the investers.
Bahut sunder. This is a combination of mind, beauty and voice.
Very interesting topic
Mam aaj ke market situation pe kya 10 % return ka gaurante hai kya agar hai bond me likha hua to mutual fund me invest kar deta hu
Good information mam thanks I like always your word which you use motamoti taur par
Excellent explanation, Swati. Could you please analyse SBI Smart Privilege Plan please ??
Respected Mam, kindly make a video on Smart Income Protect of SBI Life.
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।
your informations are very nice and eye opening
Jivan Anand policy achi he kyaa didi
Bahut shandar plan bataya aapne achchha laga.
Hi..madam sbi life ka smart privilege plan kaisa hai? Salana 6 lakh for 5 years...total 30 lakhs
I have completely exhausted ppf limit for my family, so I was thinking to invest in sbilife ,as I don't want to invest in share market
swati mam I really appreciate your great afford what an explanation thank you my best wishes to you and your family live long healthy and wealthy life God bless you
Which is better ulip or mutual fund
Make video on term plan with which riders can take or no to give same benificial???
Best' to best advice Swati bata Ji,
Could you please suggest best company for term insurance
Please explain SBI LIFE SMART ELITE PLAN GOLD OPTION
Very helpful video swati mam
Litesh Mahanta jee, thanks for watching the video. I am happy that you found it helpful.
@@BWealthy Wlcm mam
Mam well said i also calculated in same way, i took home loan now they are compelling me to take this investment policy as mandatory after some day of loan issue what u suggest
Doodh ka dhoodh aur pani ka pani ho gaya !!
There is a simple formula to calculate the retrun percentage , it is called IRR (Internal Rate of Return) and can be calculated based on cash flows outgoing and incoming over many years.
I quickly calculated using Excel sheet and in this case it comes to 7%.
Guaranteed ko choose Krna chiye if risky and jada return ko ni dekh re h to
Jo amount guaranteed likha hota hain after maturity, kya woh sach mein milta hain??
Please Explain SBI LIFE SMART HUMSUFFER PLAN ..
I have many friends who have invested in mutual funds but most of them say they did not get much return on maturity. I think PPF or FD is safe and better options.
Playback speed 1.25x will save lot of time. Video is very slow if watched on Normal speed. Content is good though.
Icici freedom sip kya he??? mem
Is pr ek detail video banao 🙏
Swati mam aap bahat achhi tarah samjhati hain, koi doubt hi nhi rehta. Mujhe ek problem hai. Kuchh dino se mujhe ICICI walon ne ICICI I pro PROTECT karke insurance ke bare baa baar bata rahe hain. I really confused to take that insurance... Please help me about that insurance policies. Please and thank u so much for this type of knowledgeable video. After watching ur videos we all conscious.
Pbitramohan Pradhan jee, jarur try karenge ki ye video jaldi bana le. Thanks for watching.
@@BWealthy Thank you for replying me
Mutual fund Mai Paisa Kya lagay
Agar mai galat nahi hu to.. App teacher ho kya ? mujhe mera college aayad aa gaya, our ye video bahut help kiya samjhne me ki kya sahi hai our kya galat,
क्या म्यूच्यूअल फण्ड में लाइफ की गारंटी देता हैं।