I was having this question in my mind for the last 1-2 yrs since I have started my investment journey with ULIP. Now you have provided a complete overview of this issue by making all the necessary comparisons. Superb and well organized content mam 👌 👏 thanks so much 🙏
Ulip mai long term capital gain par tax nahi lage ga aur jaise ki traditional plan mai first years 4.5 % paid karna padta hai aur onwards 2.25% ulip apko hamesha support karke ga agar 5 sal kabhi bhi problem hogi sath mai return minimum 5 sal ke bad 11se 12% milga hi minimum
Main koi expert to nahi, par itna kah sakta hoon ki 2022 me, jyadatar companies sirf do hi charges laga rahi hain, agar ap online koi ulip lete hain to jyada charges nahi dene honge, doosri taraf ulip ka lockin apko ek dicipline or conyrol provide karta hai, sabse zaruri bat ki ulup apko life cover bhale hi zyada na ho lekin dega plus tax rebate or maturity value pe tax exemption bhi hai, long term plan ke liye ulip chote invester ke liye acha vikalp hai, patience rakhiye or long term invest kijie, apko fayda hoga..
Thank you mam for answering my question, i have made my mind to stay invested and keep on tracking performance like we do in mutual funds also one benefit is that we can switch funds 2-3 times depending on ulip policy without small,long term gain
Very well explained. Here I would like to share my experience. Six years ago I took an ULIP from ABSL. During the first 5 years when I was paying regular premium, the returns were very low. Even though my agent would produce papers showing a growth of about 16-17% p.a. according to my calculation, it was only about 11%. After 5 years, my agent suggested I withdraw the amount and invest in another ULIP of his choice, which according to him would give me bumper returns ! I refused. And lo and behold ! From the sixth year onwards (when I am no longer paying any premium), my same old ULIP started giving me good returns of about 18% ! Wonder why ...
एचडीएफसी क्लिक टू वेल्थ प्लॅन के बारे मे बताइये क्या अभी यह टॅक्स मे आता है .इस कंटिन्यू चार्जेस अलग से देने की जरूरत नही है मूल रासी से ही काट लेते है
Ulip aur mf dono alag investment hai haalanki dono ka paisa equity market me lagta hai, jahan mf me liquidity jyada hoti hai wahin ulip me 5yrs ka locking hota hai, ulip me surrender ya maturity ka paisa tax free hota hai, mf ke paise par 1lakh se jyada growth honey par tax free nahi rehta hai, 2018 se pehley tax free thhaa
ULIPs are good it gives maximum tax free returns . Also I believe it is good that we have locking period for ulip plans . Bcz it’s market linked the magic of after 5-7 years . If we have liquidity option like mutual funds people tend to withdraw the amounts
Problem with ULIPs are that if you're investing ₹2000 per month then only ₹1800 will be invested post charges so that's around 10% charges you're already paying and let's say mutual fund me apko LTCG tax laga bhi to wo bhi bas 10% hi lgega so fayda kidhar hai?
New ULIP scheme are amazing, recent one comes with capital safety + Market linked returns+ assured returns or under 80c tax exmption be hai..ab logo ko fininfluencer ne bol bol ke sikha diya hai ki mutual fund hi sahi hai to usme kya hi kare😅
Ma’am Customers ko ULIPS bheej ne wale log gross yield dikha ke policies bheej dete hai na, toh aap net yields calculate karna sikhayiye bahut faida hogi aapki subscribers ko jo ULIPS ke bare mein soch rahe hai.
Hi I am Prashant mistry Me Tata AIA ulip me November 2010 se monthly Rs2000 invest Kar Raha Hu August 2021 me Rs 500000 withdraw Kiya Rs 48000 balance tha, to abhi me continue rakhu ya surrender karu.invest in super select equity and whole life mid cap equity fund till date
Madam, you completely avoided advantages of ULIP. TAX free return upto 2.5 lakh per year investment in ULIP. Fund switching facility which is good for retirement policy.
Bhai 2500 monthly par mai shuru kru toh mujhe 5 sal bad surrender karu hdfc click 2 wealth me to minimum Kitna amount mil skta hai @@mainakmallick1143
मैंने पॉलिसी बाजार से tata aia का 1cr कवर वाला " स्मार्ट सम्पूर्ण रक्षा ROP"का टर्म इन्श्योरेन्स लिया है,,,7000 monthly pay करना है 10साल तक,,जिसको मैं 11th साल में ब्याज सहित निकाल सकता हूं(बोला गया है) (और मुझे 70 year तक 1cr का कवर मिल जाता है,,,,,,,क्या ये सही डिसिजन था,,या मैंने कुछ गलती कर दी,,plz बताएं??
Ma'am aapne mutual fund return ka to baat kar liye . Mutual fund me long term ka return bahut low hai koi bhi advisor 3 years se aage ka koi nahi baat karta hai . Mai to direct share hi buy karta hu mutual fund me paise lagana mujhe to kabhi bhi achha nahi laga
Mam SBI smart privileged plan me invest Kiya h fund value down hota ja raha h 6 lakh k value 5.70 lakh reh Raha kya karu 5 sal ka premium h discontinue karu please guide
Nahi bhai.. Abhi market down hai.. Upar to aayega hi... Aur privilege plan me kafi heavy amount jata hai to jab kuch saal wait karoge to uska Compounding ho kar aako abhit achha return milega... Aisi videos dekh kr apne paise ka nuksaan na karo.. Kal hi sbi me el customer ka yhi plan dekha.. Kya gajab ka return mil raha hai unko.. Privilege ko sambhal k rakho long term k liye.. Bahut achha return banega.. .. Abhi aap apna balance dekho hi nhi... Rakhe raho
Hello Question around index and etf.. Normally passive funds are better then active funds because of well known reasons. However are Indian markets matured enough that there is no 'room' for active funds management? US and UK economy is at a level that index funds are efficient but I am not sure about Indian markets especially mid cap and small cap
Hello Swati Ji, My brother-in-law has recently started investing in MaxLife ULIP plan online and says that it doesn't have any charges like MF. He's putting 10k per month for 15 yrs and plan is of 50yrs. Could you please help in putting some light on the charges, ROI and taxing side?
Mam, I have paid 3 premiums.i.s 3lac.next February I have to pay the next premium.SBI,there will not be much growth.should I surrender or continue.Already 59.Now I am not well.If I surrender what amount I will get after lock in period.No knowledge about it.
HELLO MAM, I HAVE PAID ALL PREMIUM'S OF MY HDFC POLICY AND MY LOCKING PERIOD IS ABOUT TO END (05-09-2023).MY QUESTION IS THERE ANY WAY I CAN WITHDRAW SOME FUNDS OR ALL OF IT ?
Mam plz plz . reply I have taken HDFC SL PRO GROTH SUPER 2 BALANCED FUND FROM 2017 YEARLY 25000 TIL NOW 1.5LAKH INVESTED FUND VALUE E 205572 SHOULD I SURENDER...PLZ REPLY..MAM REALLY THANKFUL TO U
@@BWealthy Guys, Question around index and etf.. Normally passive funds are better then active funds because of well known reasons. However are Indian markets matured enough that there is no 'room' for active funds management? US and UK economy is at a level that index funds are efficient but I am not sure about Indian markets especially mid cap and small cap
policy bazar walo ne sip ki jagah pe ULIP PLAN pakdava diya or 70000 premium bhar ke aaj FUND VALUE HE 35000 ONLY HOW BULSHEET IS THIS ??????😂😂😂😢😢😢😡😡😡🤬🤬🤬🤬🤬😡😡😡😡😡😭😭😭😭😭😭
Such a great explanation to differentiate ULIP v/s Mutual Fund. I have opted a ULIP of Tata aia super selective equity fund where am paying premium of 96000/- annually and maturity period is 60years i have just paid only one year premium under this i am getting insurance cover of 1Cr. Please help me whether i should continue with ULIP or i can go with ELSS MF?
Mam mera ek qustion m kya m mutual fund m aisa kr sakta hu ki jaise agar m mid cap m ya bluchip m sip krta hu to m alag alag karu like 2 mid cap mutual fund 2 bluchip mutual fund aise alag alag taki kabhi bhi kisi ek fund m problum aaye koi bhi to mera baki ka 50% paisa safe rahe pls reply mam
Mam mene sbi life smart wealth builder policy 3 sal ho gye hai 3 lakh jma kr diya hu 4 lakh or jma krna hai 7 sal ki hai 3.82 abi funds value ho rhi hai kya mere ko policy band krna cahiye
Nahi bhai use long term k liye rakho.. Abhi market down hai tabhi aapko faida nhi lag rha.. Sbi achha growth krta hai. Wait kro baad me achha paisa milega
Sir, I have hdfc life suvidha plus ulip 15 yes before..with balanced management fund 15 saal me pese double hue hai..yrly 500 600 charges karte hai bus..first year 90% deduct hue the..koi fund management charges ni hai..coming renewal again..should I continue?? Anyone suggest..
Pls in detail bataiye kitna premium tha, kitne saal se pay kr rhe ho aap. Monthly ya yearly kaise pay Kia. Sb kuch bataiye. And fir ROI nikal skte hai.
आपने बहुत अच्छी जानकारी दी और एकदम सरल और साधारण भाषा में जो कोई भी समझ सकता है मैडम
एकदम सरल भाषा में समझाया मेम 🙏आपने, छोटे शहरों में अधिकतर लोग LIC में ही फँसे है, उसे कैसे बंद करके अपना कैपिटल निकले।👍
LIC having lowest charges
Mutual fund mai charges total AUM pe lagta hai aur ulip mai only on premium. Isle Aisa lagta hai ki ulip mai charges jyada hai.
Kabhi kabhi aisa lagta hai ki LIC ko janbuzkar badnam karne ka propoganda chal raha hai ... LIC is the biggest competitor for other pvt companies.
बहुत ही सरल भाषा में आपने समझाया। स्वाति जी निवेश का सबसे अच्छा तरीक़ा Mutal Fund हाई है
I was having this question in my mind for the last 1-2 yrs since I have started my investment journey with ULIP. Now you have provided a complete overview of this issue by making all the necessary comparisons. Superb and well organized content mam 👌 👏 thanks so much 🙏
Thank you for watching the video Sreedhar Jee. Stay Blessed, Healthy & B Wealthy
should I start ULIP or MF - please guide me @@BWealthy
Ulip mai long term capital gain par tax nahi lage ga aur jaise ki traditional plan mai first years 4.5 % paid karna padta hai aur onwards 2.25% ulip apko hamesha support karke ga agar 5 sal kabhi bhi problem hogi sath mai return minimum 5 sal ke bad 11se 12% milga hi minimum
Main koi expert to nahi, par itna kah sakta hoon ki 2022 me, jyadatar companies sirf do hi charges laga rahi hain, agar ap online koi ulip lete hain to jyada charges nahi dene honge, doosri taraf ulip ka lockin apko ek dicipline or conyrol provide karta hai, sabse zaruri bat ki ulup apko life cover bhale hi zyada na ho lekin dega plus tax rebate or maturity value pe tax exemption bhi hai, long term plan ke liye ulip chote invester ke liye acha vikalp hai, patience rakhiye or long term invest kijie, apko fayda hoga..
bhai 8% p TAX bhi lagega to kya fayda, mutual funds give 12-14% usme 10% tax wo bhi bas profit ammount p
What about insurance charges?
Bro.ulip is totally money waisted plan.
Hahahah sirf 5-6% wo bhi wo bhi 20 saal me😂😂
Mujhe ulip par 22% returns Mila hai HDFC life to click pichle 5year
I simply love your genuineness and clarity of explanation madam. Thanks a lot.
Thanks once again.
I have been holding Max Life Platinum. I too had similar issues.
Thanks to you too Biswajit jee, for watching the video. Stay Blessed, Healthy & B Wealthy
Jug jug jivonjnaaabbb ..ati sunder samjyaaaa. .... sweet voiceee❤
Hello mam
TATA AIA smart sampoorna surksha
K bare m bataye
Thank you mam for answering my question, i have made my mind to stay invested and keep on tracking performance like we do in mutual funds also one benefit is that we can switch funds 2-3 times depending on ulip policy without small,long term gain
Stay Blessed, Healthy & B Wealthy Shirish Jee.
Mam we appreciate your unbiased and balanced approach
the exact information which I needed provided by you in comprehensive manner . thank you ma'am
U answered my questions very well, indirect way...nicely explained..
Today only i have checked ULIP /MF returns nothing much differences...Thnx
Very well explained. Here I would like to share my experience. Six years ago I took an ULIP from ABSL. During the first 5 years when I was paying regular premium, the returns were very low. Even though my agent would produce papers showing a growth of about 16-17% p.a. according to my calculation, it was only about 11%. After 5 years, my agent suggested I withdraw the amount and invest in another ULIP of his choice, which according to him would give me bumper returns ! I refused. And lo and behold ! From the sixth year onwards (when I am no longer paying any premium), my same old ULIP started giving me good returns of about 18% ! Wonder why ...
The same experience. It takes time but rewards certainly.
Thank u madam for making clear the schemes in such a easy way. Most of the videos did not clear the comperision like u.
एचडीएफसी क्लिक टू वेल्थ प्लॅन के बारे मे बताइये क्या अभी यह टॅक्स मे आता है .इस कंटिन्यू चार्जेस अलग से देने की जरूरत नही है मूल रासी से ही काट लेते है
Not discussed on ulip maturity is taxable or not ...benefits of Switching option between funds without charges...etc
Ulip aur mf dono alag investment hai haalanki dono ka paisa equity market me lagta hai, jahan mf me liquidity jyada hoti hai wahin ulip me 5yrs ka locking hota hai, ulip me surrender ya maturity ka paisa tax free hota hai, mf ke paise par 1lakh se jyada growth honey par tax free nahi rehta hai, 2018 se pehley tax free thhaa
Thank you so much Madam ❤❤❤❤❤
Madam aap new ulip check kare us me company charge wapas kar rahi hai
Wonderful information on ULIP. Well explained, thank you Swati ji 🙏
ULIPs are good it gives maximum tax free returns . Also I believe it is good that we have locking period for ulip plans . Bcz it’s market linked the magic of after 5-7 years . If we have liquidity option like mutual funds people tend to withdraw the amounts
Problem with ULIPs are that if you're investing ₹2000 per month then only ₹1800 will be invested post charges so that's around 10% charges you're already paying and let's say mutual fund me apko LTCG tax laga bhi to wo bhi bas 10% hi lgega so fayda kidhar hai?
hdfc ulip plan me 3 installation ja chuki h kya continue kre ya nhi
Overall ulip is good or bad
hdfc click to wealth kaise hai
New ULIP scheme are amazing, recent one comes with capital safety + Market linked returns+ assured returns or under 80c tax exmption be hai..ab logo ko fininfluencer ne bol bol ke sikha diya hai ki mutual fund hi sahi hai to usme kya hi kare😅
ULIP Return Total Amount Tax free hai OR Mutual fund Total Amount 12.5% Tax paid karna he.. long term ki soch low 🎉😂😂
Ma’am Customers ko ULIPS bheej ne wale log gross yield dikha ke policies bheej dete hai na, toh aap net yields calculate karna sikhayiye bahut faida hogi aapki subscribers ko jo ULIPS ke bare mein soch rahe hai.
Mam apne bohut ache se samjaya 😘 thanks
Ulip plan is west long term me achcha return mil Raha hai
Without my knowledge I took ULIP.
Paid 5L p.a for 5 years. This 25L now at 46L so I guess with 75% + is good deal. More over ULIp have tax benefits.
It's not 75% it will be 25 to 30% please review
Is this ICICI plan , I also bought , return lower, can you please give your mobile number
Very well explained. My all doubts are clear now
ULIP kabhi chalu hi nahi karna chaiye....2008 se yearly 18k bhar rahe hai....aj bhi value 3lac se kam se ...same MF me dala hota to socho kaha hota
Which ulip plan you have
Mf me tumhe atleast 9 lakh milta
Mai 2009 me ULIP liya tha 5 years 50k Diya or 5 years pura hone pe 350000 mil Gaya
Ulip kahan se milta hai
@@shamimakhtar31 kaunsa plan tha
Knowledgeble information Thankyou mam🙏
Madam Ulip after 5 year cylinder karne pe kitna return mil sakta hai
nice information madam ji . if a ulip maturity 1 cr & sip maturity also cr. kisme fund jyada milega.
Swati ma'am 🙏 Good evening. UTI ke mutual funds ke bare mein video banaya.
बहुत अच्छी जानकारी दी है आपने ... बहुत बहुत धन्यवाद🙏
शुक्रिया वीडियो देखने के लिए पंकज जी। Stay Blessed, Healthy & B Wealthy
Hi @@BWealthy
Medom TataAIA param surashkya ke bare me video banaeye
Thanks for ulip plan details.
We have tax free maturity for some ULIPS and will paya 30% tax for returns of mutual funds, what is your point of view on this?
30 ℅ great
Ye 30% ki calculation kese aayi bhai??
12.5% hai as per new law
Hi I am Prashant mistry
Me Tata AIA ulip me November 2010 se monthly Rs2000 invest Kar Raha Hu August 2021 me Rs 500000 withdraw Kiya Rs 48000 balance tha, to abhi me continue rakhu ya surrender karu.invest in super select equity and whole life mid cap equity fund till date
Madam ji mera 5 sal pura ho gaya hai mein mutal fund mei jao ya
My portfolio is Parag Parikh flexi cap 2000, UTI nifty index fund 2000, sbi small cap 1000, kotak emarging eqity 1000, is this good or any changes?
Nice folio,for more info #key2wealthfinancials
Madam, you completely avoided advantages of ULIP. TAX free return upto 2.5 lakh per year investment in ULIP. Fund switching facility which is good for retirement policy.
U didnt consider tax benefits of ulip, and ltcg tax on mutual funds!!
10 10 d bhi explain karien plz
Very nicely explained Ma'am. Thanks..
Madam long term me around 15 years me ulip me conservative way ke return kitna mota moti expect kar sakte hai
Superb video swati imp research 👍✌👌❤ from Mumbai ✌
maam I have taken HDFC's Click to Wealth plan, so is it OK?
Han this is good ULIP. Ispe charges nehi hai koi bhi extra. Sirf fund management charges hai. Invest krte rhiye. 5 saal minimum kriye.
Bhai 2500 monthly par mai shuru kru toh mujhe 5 sal bad surrender karu hdfc click 2 wealth me to minimum Kitna amount mil skta hai @@mainakmallick1143
HDFC life sampurn nivesh Kiya
Salana karta hu sahi hai ya galat
Kripiya birthday
Fass gaye bhai
Very useful information Swati 👍
Mam invest karne ke liye koi mutual fund batayiye
Priceless advice 👌👏🙌
100-/.sahi baat, thanks Mam
Ulip mein 5 saal karke 20 saal mein withdraw hota he aur mutual fund 20 saal baad withdraw karte hain ta, final Paisa kese compare karte hain
Well explained with patience
Ma'am
Maine ICICI Bank ka life time clasic m nivesh Kiya hai, lekin ab Mai soch Raha hu ke use band kar ke SIP shuru karu..
Kya yeh thik rahega??
Very well explained. Could you please put some light on taxation part of ULIP? Is the maturity amount exempted from tax?
Mam, per month 10230 rs premimum ata hai to kintna amount market mai invest hoga and kitna amount rider or term plan ke liye jayega?
Quant smlla cap fund growth option 1000 का निवेस
25 साल केलिए केसा रहे गा
For answer visit#key2wealthfinancials
what will be the tax implication on return if someone closes ULIP after completing 5 years of lockin period?
मैंने पॉलिसी बाजार से tata aia का 1cr कवर वाला " स्मार्ट सम्पूर्ण रक्षा ROP"का टर्म इन्श्योरेन्स लिया है,,,7000 monthly pay करना है 10साल तक,,जिसको मैं 11th साल में ब्याज सहित निकाल सकता हूं(बोला गया है) (और मुझे 70 year तक 1cr का कवर मिल जाता है,,,,,,,क्या ये सही डिसिजन था,,या मैंने कुछ गलती कर दी,,plz बताएं??
Wrong h ulip k term k saath lijiy pr pro 1 year baad v shift kr sakte h
Well explained, thank you Mam
Maine 3 month premium diya ulip mein ab main nahi continue karna chahta to kya karoon saari policy policy bazar se li hai 13 policy Lee hai
Thank you ma'am very helpful information
Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
Well explained ma'am, so much dought cleared..thank you ma'am 👏
Ma'am aapne mutual fund return ka to baat kar liye . Mutual fund me long term ka return bahut low hai koi bhi advisor 3 years se aage ka koi nahi baat karta hai . Mai to direct share hi buy karta hu mutual fund me paise lagana mujhe to kabhi bhi achha nahi laga
100% right
Thanks for valuable information
M'm mare cover 75 lac hai to Mera premium 4571 hai or meri policy sirf 13 month hua hai to kya Krna chahiye
I have already deposited 5.10 lac @ 1 lac 2000 per year for 5 years. Now i need to know action to be taken as 10 years will be completed in 2028.
Av v nikal sakt h
Mam SBI smart privileged plan me invest Kiya h fund value down hota ja raha h 6 lakh k value 5.70 lakh reh Raha kya karu 5 sal ka premium h discontinue karu please guide
Nahi bhai.. Abhi market down hai.. Upar to aayega hi... Aur privilege plan me kafi heavy amount jata hai to jab kuch saal wait karoge to uska Compounding ho kar aako abhit achha return milega... Aisi videos dekh kr apne paise ka nuksaan na karo.. Kal hi sbi me el customer ka yhi plan dekha.. Kya gajab ka return mil raha hai unko.. Privilege ko sambhal k rakho long term k liye.. Bahut achha return banega.. .. Abhi aap apna balance dekho hi nhi... Rakhe raho
Thank you madam.
Thank you so much madam.
Hello
Question around index and etf..
Normally passive funds are better then active funds because of well known reasons.
However are Indian markets matured enough that there is no 'room' for active funds management? US and UK economy is at a level that index funds are efficient but I am not sure about Indian markets especially mid cap and small cap
Mam Maine 11month pahle ulip plan liya tha kya mai ese before I year deactivate kar satisfied hu
mam 5 year annual premium wala mf hai kya
Hello Swati Ji,
My brother-in-law has recently started investing in MaxLife ULIP plan online and says that it doesn't have any charges like MF. He's putting 10k per month for 15 yrs and plan is of 50yrs. Could you please help in putting some light on the charges, ROI and taxing side?
Mam, I have paid 3 premiums.i.s 3lac.next February I have to pay the next premium.SBI,there will not be much growth.should I surrender or continue.Already 59.Now I am not well.If I surrender what amount I will get after lock in period.No knowledge about it.
First viewer😊
शुक्रिया विजय जी, वीडियो देखने के लिए। Stay Blessed, Healthy & B Wealthy
Very nice mam.thanks fr of
Excellent presentation
HELLO MAM,
I HAVE PAID ALL PREMIUM'S OF MY HDFC POLICY AND MY LOCKING PERIOD IS ABOUT TO END (05-09-2023).MY QUESTION IS THERE ANY WAY I CAN WITHDRAW SOME FUNDS OR ALL OF IT ?
Mera 2024 me lockin end hoga kya karna chahiye lockin bad
Dada abhi apka total jo jama huwa hai uske upar return aye ga so don't stop ulip kabhi galti maat karna discontinued
Mam can you please give some insight about max life fast track super growth fund. I am investing for 5yrs @ 2 LPA. Please 🙏
Thank you ma'am ☺️☺️
Mam plz plz . reply
I have taken HDFC SL PRO GROTH SUPER 2
BALANCED FUND
FROM 2017 YEARLY 25000
TIL NOW 1.5LAKH INVESTED
FUND VALUE E 205572
SHOULD I SURENDER...PLZ REPLY..MAM
REALLY THANKFUL TO U
Thank you ma'am very helpful information 🙏
Glad you found the information useful Kuldip Jee. Stay Blessed, Healthy & B Wealthy
@@BWealthy Guys,
Question around index and etf..
Normally passive funds are better then active funds because of well known reasons.
However are Indian markets matured enough that there is no 'room' for active funds management? US and UK economy is at a level that index funds are efficient but I am not sure about Indian markets especially mid cap and small cap
policy bazar walo ne sip ki jagah pe ULIP PLAN pakdava diya or 70000 premium bhar ke aaj FUND VALUE HE 35000 ONLY HOW BULSHEET IS THIS ??????😂😂😂😢😢😢😡😡😡🤬🤬🤬🤬🤬😡😡😡😡😡😭😭😭😭😭😭
Same here
Maine kal ULIP liya isko Mai kaise end kar sakta hu
.
Thanks mam
Hi Ms. Swati, currently I am having one ulip i.e. tata aia sampoorna raksha supreme param rakshak with SA >50lac please enlighten on this
Bhai main bhi aj kal m soch rha hu isi m invest krne ki 15000/month for 5 year k liye y shi plz bta sakte ho
@@m.qansari1945 I am also awaiting response of Ms. Swati
@@m.qansari1945 don't take ulip do take mf and life insurance
@@saurabhshrivastav9921 ok bhai thank u
Such a great explanation to differentiate ULIP v/s Mutual Fund. I have opted a ULIP of Tata aia super selective equity fund where am paying premium of 96000/- annually and maturity period is 60years i have just paid only one year premium under this i am getting insurance cover of 1Cr. Please help me whether i should continue with ULIP or i can go with ELSS MF?
I have also opted a ulip of tata aia multi cap fund for 40yrs 80lac cover premium is 73000/- my age is 34
Don’t continue. I have stopped after paying 2 premiums. It’s not worth it.
Thank you so much mam
In mutual fund , reinvestment option is taxable ? while choosing option reinvestment how to avoid this tax??
Mam mera ek qustion m kya m mutual fund m aisa kr sakta hu ki jaise agar m mid cap m ya bluchip m sip krta hu to m alag alag karu like 2 mid cap mutual fund 2 bluchip mutual fund aise alag alag taki kabhi bhi kisi ek fund m problum aaye koi bhi to mera baki ka 50% paisa safe rahe pls reply mam
Thanks
Mam mene sbi life smart wealth builder policy 3 sal ho gye hai 3 lakh jma kr diya hu 4 lakh or jma krna hai 7 sal ki hai 3.82 abi funds value ho rhi hai kya mere ko policy band krna cahiye
Nahi bhai use long term k liye rakho.. Abhi market down hai tabhi aapko faida nhi lag rha.. Sbi achha growth krta hai. Wait kro baad me achha paisa milega
@pk12373 ok mam
Sir, I have hdfc life suvidha plus ulip 15 yes before..with balanced management fund 15 saal me pese double hue hai..yrly 500 600 charges karte hai bus..first year 90% deduct hue the..koi fund management charges ni hai..coming renewal again..should I continue?? Anyone suggest..
Pls in detail bataiye kitna premium tha, kitne saal se pay kr rhe ho aap. Monthly ya yearly kaise pay Kia. Sb kuch bataiye. And fir ROI nikal skte hai.
@@mainakmallick1143 10000 premium paid 150000 then amount 310000 hua 15 years me
Thankyou