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 🤣🤣
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.
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 🙏🔥✌🏼
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.
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.
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
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
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.
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 ❤
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?
If I am not concerned about insurance and only concerned about investment in that case which is a good option? Assumption: 1. The Ulip has only 2 charges i.e mortality charges and fmc charges(new ulips does not have so many charges) 2. Although the mutual fund can provide 1-1.5% more return but on a very long term perspective due to market fluctuations if I need switch funds from equity to liquid funds then I might encurr LTCG tax but switching fund in ulips does not have any charges and is tax free.(In general there will be market crash every 3-5 yrs and a big market crash every 10 yrs) 3. Also on maturity there will be tax on mf but not on ulips. So based on this observation can you still suggest mf as a better option then Ulip(this is only for investment as I have separte Term Insurance)
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
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
Hi AssetYogi Team, Mukul. Firstly, thank you for your informative videos. This was a good comparison video. A question that I would like to ask, I have tried to apply for Term insurances, and have been rejected twice for medical reasons. I am already having monthly SIP done on multiple equity mutual funds. Would it be ok to go for normal endowment plans to get a better cover than ULIP? Please advise. -Arkaprava Basak Kolkata
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...!
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.
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
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...!!
Sir please clarify if the FMC is applied on premium or fund value, because you have applied on the premium, but usually it is mentioned that it will be applicable on fund value
Actually it's their hidden agenda to disparage ULIPs. In long term (15 years and more) mutual fund companies charge huge FMC on Fund Value. That's why ULIP is better in long term. In short term MF is good.
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.
I have few questions, Capital gain tax is applied only when you withdraw from mutual fund, isn’t it.? Same tax is also applicable on ULIP? I have been sold an ULIP where the only charges are mortality, and FMC (1.2%) , no other charges. Being NRI, I don’t have to pay GST. When ULIP matures, I need to pay 10% flat.
Capital gain tax is applied only when you withdraw from mutual fund, isn’t it.? Same tax is also applicable on ULIP? If you are investing annually 2.5L then there is no capital gains tax
ULIP already charges a lot upfront for mortality, higher allocation charges, handling charges etc etc..in the end, mutual funds gives much higher returns and even after tax gives better amount
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.
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?
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.
Sir Returns on mutual funds can be high or low but my question is that are our money in mutual funds are safe? I mean any scam can happened in mutual funds AMC companies? I want to invest my money in mutual funds but I always afraid about scams? Please clear the doubt.
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)
Jaise maan lete hai Tata aia ka ulip plan and tata ka mf hai Tata ke jo mf unme directly invest na karke via tata aia ke ulip plan se same funds me invest karte hai toh?? Kya ulip ka maturity rehata vo taxfree hota hai and mf ka jo maturity rahega uspe to tax lagega right 10% I am not going for insurance to ulip but for tax free maturity Muze same funds me invest karna hai mf me to mai ULIP se kyu na karu Insurance ko chod do?? Also kya ELSS me 10-15 ke liye invest kar sakte hai Agar ha to Kya ELSS is better than MF and ULIP Please please share your thoughts
Sar Maine Bajaj auto ka 800pe sel Kiya hai to kya 29 February last date hai to kya yah last date mein 005 paisa ho jaega pakka please mujhe jald se jald bataiye Maine pahli bar liya hai kisi Ko pakka pata ho to mujhe please jaldi reply kijiye
Hi. Great video as always! If I come under 30 % tax bracket, will the maturity amount of mf and ulips considered as my income. Do I have to pay income tax on both?
Sir i need guidance for one situation i am having. I have 1 lic policy for which my account is getting debited a certain amount every month, i want to stop that and hold that money i have already invested (to get some return greater than what i invested). Whom to contact for this? Can lic branch office help in it?
@@CAPARTH89 if i surrender now then there are chances of getting lower than what i invested. So better let it hold what i already invested, and not putting any further money in it
You need to check whether policy gets lapsed if preminm is not paid in future. Its always better to withdraw from such policy of option is available and put in the efficient investment option
Sir maine ye liya hai - MAX Capital Guarantee Solution-SWAG Policy Term 20 Years Payment Term 5 Years This is a combination of 2 plans from Max Life Guaranteed Return SWAG-Combo Market linked OSPSWAG-Combo Monthly installment - 12500/- hai Return max life swag ka 23% hai after 20 years kya ye plan theek hai ya bekar hai?
Sir please one video on how to regular plan transfer Direct plan mutual fund. Which is best ya good Direct plan platform ya app .upstock option showing . Growth. Dividend payout. Dividend reinvestment
Go to cams and karvy office or individual fund office for change regular to direct Zerodha groww etmoney upstox any Direct Growth better than dividend.. Rest use your common sense also.
Policybazaar me market risk capital gain solutions rahate he, newly launch me 10 rs nav wale, wo bhi ulip rahate he. But waha return jyada dikhata he. So is that good or mf is good ?
Sir maine tata aia life insurance smart sampoorna Raksha ka term insurance liya hai 1 c.r ka ,monthly 5650 R.S pay karna padta hai .kya kare continue rahe ya bahar nikal jaye pls reply.thanks
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).
Sir policy Bazar par icici nifty midcap 150 momentum 50 index fund non granted totally market link signature plan policy kaise hai jiska past 10 year return 27% hai. Please suggest me sir
Mukul sir actually I have an ulip plan of SBI....now after watching your video I don't want to continue my ulip plan and want to invest in mutual funds..... kindly suggest me what to do?
Exactly. 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.
Dont do it now. If you drop it before maturity then you gonna be crying again because you doing it against the rules that you have to carry it for at least 5 years.
Hii I got a call from policy bazaar yesterday about a ULIP plan ICICI mid cap 150 momentum fund they says the CAGR of 5 yr about 27% and told me the capital gain is fully tax free
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.
