Guranteed life insurance policy or Mutual funds plus term insurance in tamil | Nivas Narasimhan
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- Опубликовано: 8 сен 2024
- whatsapp to 9994266772 for proper guidance.
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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
Thank you so much
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
When customer pays premium 4.5% tax is there right. For renewal 2.25% Gst is there right. Upfront tax is deducted.
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
Thank you so much for the comments. Pls share with your friends whatsapp groups..
@@nivasexcites sir which is best.Pure term insurance or ULIP plans?for eg tata smart sampoorna raksha
@@pradheeps5719 avoid ulips. Take term life and invest in mf
@@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
Could you tell me the, that Term life+mf scheme@@nivasexcites
Excellent and highly informative. Done home work properly without leaving minute details. Youngsters must watch the video
Thank you so much for the comments
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Thank you sir
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.
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.
Good clarification sir..
7வருடத்தில் முதலீடு இரட்டிப்பு ஆகக் கூடிய mutual funds பற்றி வீடியோ பண்ணுங்க சார்
Sure sir
Superb sir ,
Well explained wid crystal clear information...
Keep gng
Thank you brother
Nice explanation than others in you tube... Keep it up
Thank you sir
Good information Nivas. Keep rocking as usual. Thanks for your feedback 👍
Thank you so much sir
What you said is correct, same I availed plans what you said. Term plus mutual. 👍
Thank you so much
Very good information sir. Thank you
Welcome sir
That was a awesome video clear explanation but You haven’t mentioned about Mutual find expensive ratio amount.
Returns mentioned in the video is including the Expense ratio..
Super ❤
Neat explain...
Thank you
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
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.
Super sir good information
Thank you so much
Good one. Very informative.
Thank you so much Buvana
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
WhatsApp to 9994266772
Thank you sir
Welcome
nice information, thanks for sharing...
Most welcome
Very informative 👍
Thank you Deepa
Nice explanation sir
Thank you sir
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
All the best
Super explanation sir! Apadye 2022la endha term insurance nalarkunu sollunga.
Max life and bajaj..
@@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
Excellent sir
Thank you Vignesh
Sir nan mutual fund sip la podanum 25 yrs ku best company list predict la solunga?
WhatsApp to 9363254007
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
Already i have put in Term insurance playlist regarding this.. Financial lesson from puneet
Sir very good sir,, mutualfunds+combo term insurance available irukka
Thank you so much
Check ULIP.term plan +MF.Eg Tata AIA smart sampoorna raksha.similarly available in other insurers too
Super sir
Thank you prabhu
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.
ruclips.net/video/cDNu_dZUIgk/видео.html watch my Jeevan umang review☝️
Which mutual fund is giving 1cr life cover?
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.
UTI Us 64 Closed & Franklin Templeton Closed
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
@@nivasexcites
Sebi Incorporated 1992 why Not Before Regulated
@@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.
@@nivasexcites
Ok Sir,
This Guidance Not Good For Long Time
@@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.
Sbi life good g
Pls avoid ji. You can take term insurance in Sbi.
But guaranteed policyla bonus varume sir adhu neenga cover panlaye? Bonus approximateah yearly evlo varum nu sollunga
Bonus will be 4% to 6% this is simple interest. Not compounded interest.
@@nivasexcites 4% - 6% of life cover amount every year?
MF =12% ?
Yes.. you can expect 12% over a period of 5yrs and above.