Guranteed life insurance policy or Mutual funds plus term insurance in tamil | Nivas Narasimhan

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  • Опубликовано: 8 сен 2024
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Комментарии • 92

  • @guruprasadn84
    @guruprasadn84 2 года назад +3

    Well said Nivas Narasimhan, lot of insurance agents and insurance company are miselling traditional endowment like policies and make their own profit. At end of the day customer who pays is the loser. Videos like this give good info to people. Appreciate it

  • @narayananlekshminarayanasa3217
    @narayananlekshminarayanasa3217 2 года назад +2

    The beauty ofumang plan from LIC is not only 8% taxfree for life return upto 100 years irrespective of premium term but the corpus is not decrease from ppt but increase in contrary after ppt.Such plan is not at all available worldwide from a reliable govt organisation as Lic.I have live example of my investment in mutual fund,jeevan suraksha pension plan both taxable and pension corpus wont increase where as umang corpus will increase with guarated survival benefit which will never be taxed as it is policy condition and maturity comes under sec 1010d also tax free

    • @nivasexcites
      @nivasexcites  2 года назад

      When customer pays premium 4.5% tax is there right. For renewal 2.25% Gst is there right. Upfront tax is deducted.

  • @srinaga1975
    @srinaga1975 2 года назад +4

    Very informative video; As you rightly said, before 20 years, we were doing only in LIC, mostly endowment plans; Nowadays, because of persons like you making people think wise before they invest

    • @nivasexcites
      @nivasexcites  2 года назад

      Thank you so much for the comments. Pls share with your friends whatsapp groups..

    • @pradheeps5719
      @pradheeps5719 2 года назад +1

      @@nivasexcites sir which is best.Pure term insurance or ULIP plans?for eg tata smart sampoorna raksha

    • @nivasexcites
      @nivasexcites  2 года назад

      @@pradheeps5719 avoid ulips. Take term life and invest in mf

    • @pradheeps5719
      @pradheeps5719 2 года назад

      @@nivasexcites sir one question.
      Sometimes mutual funds we might discontinue or may stop in middle.
      But in ULIP we will have discipline for the years we chosen to premium.since it has term insurance +alloting in MF units we can chose from.your thoughts please.
      If possible can you put a video on ULIP plans aka Tatas smart sampoorna raksha or other insurance providers ulips

    • @naveend3876
      @naveend3876 11 месяцев назад

      Could you tell me the, that Term life+mf scheme@@nivasexcites

  • @thayumanavanganesan5313
    @thayumanavanganesan5313 2 года назад +1

    Excellent and highly informative. Done home work properly without leaving minute details. Youngsters must watch the video

    • @nivasexcites
      @nivasexcites  2 года назад

      Thank you so much for the comments

    • @hema6618
      @hema6618 2 года назад +1

      Majority will watch for Latest Bike
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      Enjoy

  • @radhikavlogs2722
    @radhikavlogs2722 Год назад +1

    Matha .... Pitha ... guru.... devam followed by PERSON LIKE U 👍 👌 FINNALY 4G NETWORKS

  • @hariguptapunniyakodi2095
    @hariguptapunniyakodi2095 2 года назад +1

    சிறப்பான ஒப்பிடு. நல்ல விளக்கம். 👍👍👍.

  • @amudhusaran9098
    @amudhusaran9098 2 года назад +2

    Good that..you came out of Guaranteed policies....👍I have seen many videos in your channel explaining about many endowment policies. How come sudden change in your thoughts? Your content is correct. But just double check about the tax calculations while withdrawal.

    • @nivasexcites
      @nivasexcites  2 года назад +1

      Brother, i have never suggested about endowment policies in my videos. Pls check once again. Tax in mutual funds is simple. After 1year, it is LTCG. 10% on profit. Upto 1Lakh profit, tax exemption is also available.

  • @thirumoorthi6573
    @thirumoorthi6573 2 года назад +1

    Good clarification sir..
    7வருடத்தில் முதலீடு இரட்டிப்பு ஆகக் கூடிய mutual funds பற்றி வீடியோ பண்ணுங்க சார்

  • @Vetri.123
    @Vetri.123 2 года назад +1

    Superb sir ,
    Well explained wid crystal clear information...
    Keep gng

  • @karthigeyank8917
    @karthigeyank8917 2 года назад +1

    Nice explanation than others in you tube... Keep it up

  • @balajivenkataiah6689
    @balajivenkataiah6689 2 года назад +1

    Good information Nivas. Keep rocking as usual. Thanks for your feedback 👍

  • @Sivasankar-ck9ll
    @Sivasankar-ck9ll 2 года назад +1

    What you said is correct, same I availed plans what you said. Term plus mutual. 👍

  • @ravikumardhayalan1
    @ravikumardhayalan1 Год назад +1

    Very good information sir. Thank you

  • @selvakumaranrathinam4944
    @selvakumaranrathinam4944 2 года назад +1

    That was a awesome video clear explanation but You haven’t mentioned about Mutual find expensive ratio amount.

    • @nivasexcites
      @nivasexcites  2 года назад +1

      Returns mentioned in the video is including the Expense ratio..

  • @user-cc5sv8hq9e
    @user-cc5sv8hq9e 9 месяцев назад +1

    Super ❤

  • @abiramidurai9753
    @abiramidurai9753 6 месяцев назад +1

    Neat explain...

  • @narayananlekshminarayanasa3217
    @narayananlekshminarayanasa3217 2 года назад +2

    LIC'S JEEVAN UMANG AND LIC TERM INSURANCE COMBO IS ONLY BEST NOT MUTUSL FUND GOOD.8% LIC SURVIVAL BENEFITS GUARANTEED ONLY BONUS IS REVERSIONARY AND SUBJECT TO CHANGE.SO LIC IS ONLY BEST

    • @nivasexcites
      @nivasexcites  2 года назад

      8% is not the return on investment. Actual return on investment is lessthan 6% in Umang. 8% benefit is only on sumassured. Not from investment with bonus. Bonus paid is simple interest not compounded interest. So its a waste. I will even suggest jeevan labh. Not jeevan umang.

  • @madhua2329
    @madhua2329 2 года назад +2

    Super sir good information

  • @njeci
    @njeci 2 года назад +1

    Good one. Very informative.

  • @abilashkputhukulangara936
    @abilashkputhukulangara936 Год назад +1

    Thank you. Well explained.
    In Tata AIA sampoorna suraksha scheme, If we pay 6,300/month for 12 yrs... we will get 40 yrs of Life cover of 1Cr, Critical n accidental benefits and Mutual fund benefits, TDS as well.
    Is that good to accept?
    Can you plz suggest best MF+ Term Insurance

  • @subbiahs8819
    @subbiahs8819 Год назад +1

    Thank you sir

  • @moovesreikihealingmeditati8964
    @moovesreikihealingmeditati8964 2 года назад +1

    nice information, thanks for sharing...

  • @deepa4245
    @deepa4245 2 года назад +1

    Very informative 👍

  • @kalaiarasanrajan6171
    @kalaiarasanrajan6171 2 года назад +1

    Nice explanation sir

  • @narayananlekshminarayanasa3217
    @narayananlekshminarayanasa3217 2 года назад +1

    Age 50 term insurance premium high and health problem may not get policy woth govt lic which is only guaranteed. Govt.private company term policy waste

  • @Manoj-qf6lq
    @Manoj-qf6lq 2 года назад

    Super explanation sir! Apadye 2022la endha term insurance nalarkunu sollunga.

    • @nivasexcites
      @nivasexcites  2 года назад

      Max life and bajaj..

    • @Manoj-qf6lq
      @Manoj-qf6lq 2 года назад

      @@nivasexcites Okay Sir! Thanks. I'll look in to it. Please make video about bonds. Like, Whether it's safe or not?, How much the interest? and How many years should we have to invest? kinda things

  • @vigneshvicky-hr2vt
    @vigneshvicky-hr2vt 2 года назад +1

    Excellent sir

  • @abiramidurai9753
    @abiramidurai9753 6 месяцев назад +1

    Sir nan mutual fund sip la podanum 25 yrs ku best company list predict la solunga?

  • @gtmgtm8888
    @gtmgtm8888 2 года назад +1

    Sir na oru pure term inusrance edukura. apo atha epdi claim pananum en family kita sollanum procedure after my death. my parents are not educated please make video about this

    • @nivasexcites
      @nivasexcites  2 года назад

      Already i have put in Term insurance playlist regarding this.. Financial lesson from puneet

  • @narasingamrockstravelchann7634
    @narasingamrockstravelchann7634 2 года назад +1

    Sir very good sir,, mutualfunds+combo term insurance available irukka

    • @nivasexcites
      @nivasexcites  2 года назад

      Thank you so much

    • @pradheeps5719
      @pradheeps5719 2 года назад

      Check ULIP.term plan +MF.Eg Tata AIA smart sampoorna raksha.similarly available in other insurers too

  • @pfizerprabhu
    @pfizerprabhu 2 года назад +1

    Super sir

  • @praveen1937
    @praveen1937 2 года назад +1

    He has no knowledge on LIC jeevan UMANG... Mutual fund is a gambling. You always says the best positive results in mutual fund. But in LIC the worst case is far better than your mutual fund.

    • @nivasexcites
      @nivasexcites  2 года назад

      ruclips.net/video/cDNu_dZUIgk/видео.html watch my Jeevan umang review☝️

  • @srinivasraj433
    @srinivasraj433 Год назад +1

    Which mutual fund is giving 1cr life cover?

    • @nivasexcites
      @nivasexcites  Год назад

      If you want lifecover take Term insurance. But if you want good growth, invest in mutual funds. Don't mix both. You will get lower life cover and low returns.

  • @9940182655
    @9940182655 2 года назад +1

    UTI Us 64 Closed & Franklin Templeton Closed

    • @nivasexcites
      @nivasexcites  2 года назад

      US 64 happened in 2002. After that there were strict guidelines regulated by SEBI. For Franklin Templeton debt funds, investors has already got the money with interest.. m.economictimes.com/wealth/invest/is-franklin-templeton-mutual-fund-misleading-its-debt-scheme-investors-with-its-payouts/articleshow/85920219.cms

    • @9940182655
      @9940182655 2 года назад +1

      @@nivasexcites
      Sebi Incorporated 1992 why Not Before Regulated

    • @nivasexcites
      @nivasexcites  2 года назад

      @@9940182655 brother, no point in arguing.. I'm educating what is good for your future. Decision is yours. If you are not changing your mindset, you will feel bad after 15years.

    • @9940182655
      @9940182655 2 года назад

      @@nivasexcites
      Ok Sir,
      This Guidance Not Good For Long Time

    • @nivasexcites
      @nivasexcites  2 года назад

      @@9940182655 your wish. Start small in mutual funds in a midcap fund. After 5years, pls let me know. I have 17years experience in Insurance. I worked in life insurance companies as a sales manager, IRDA trainer and Branch manager. So I know how plans are designed and what clients are getting.

  • @microfoodfactory
    @microfoodfactory 2 года назад +2

    Sbi life good g

    • @nivasexcites
      @nivasexcites  2 года назад +1

      Pls avoid ji. You can take term insurance in Sbi.

  • @Manoj-qf6lq
    @Manoj-qf6lq 2 года назад

    But guaranteed policyla bonus varume sir adhu neenga cover panlaye? Bonus approximateah yearly evlo varum nu sollunga

    • @nivasexcites
      @nivasexcites  2 года назад +1

      Bonus will be 4% to 6% this is simple interest. Not compounded interest.

    • @Manoj-qf6lq
      @Manoj-qf6lq 2 года назад

      @@nivasexcites 4% - 6% of life cover amount every year?

  • @hema6618
    @hema6618 2 года назад +1

    MF =12% ?

    • @nivasexcites
      @nivasexcites  2 года назад

      Yes.. you can expect 12% over a period of 5yrs and above.

  • @vasuv-ep5nn
    @vasuv-ep5nn Год назад