Unknown factors about Returns in Insurance Policy | Nilesh Sathe | HINDI | BITV 

Very Good. We should follow proper asset allocation for all Short Term and Long Term Needs. LIC + Equity MF Combination is Good One.

Very Nicely explained regarding investment and Different types of assets. Very importantly explained why long term insurance is required. 🙏

Ranjit ji aapko bahut bahut dhanyawad thanks 🙏 very very happy thanks 👍

Please give your comments

Sathe Sir I agree with all the points highlighted by you in this video.

One very good advise is - diversify. But some misleading comments like Insurance is one of the best form of investment is avoidable. But it has to be taken with rider that it is for people who can invest upto Rs 5 lakhs per year. No matter whatever and wherever you want to diversify, insurance is the worst place where you should keep your money. If at all you want to diversify then there several types of asset class mentioned in this interview itself which will help you build wealth. Even if you keep your money in bank account and do nothing with it, it still generates half thr returns of what is done by conventional insurance policy. These insurance policies only enrich the agents and companies; certainly not the individual. Not doing anything with your money is better than buying a money back or endowment policy.

Very Nice Discription by Sathe g For Insurance & Investment Percentage and Long term Benefits.

Ultimate comparison❤

The information shared in the interview is excellent Sir

Very good information 👌 👍 sirji

Right Sir, always compares an Apple 🍎 with another Apple, Orange 🍊 with Orange, not with Coconut 🥥 which also as a fruit. Thanks 🎉

Compare the comparables. We should not compare a horse with a donkey. Insurance is not an investment. It's a coverage of risk instrument and MF are investments and they do not grant any coverage against the death or disability. 😊 so both are different instruments and cannot be compared at all.

Very Nice Sathe Sir

Insurance policy me at the time of surrender bhara hua paisa bhi wapas nahi milta agr bich me withdraw karte hai . Aadhe se jyada paisa kaat dete hai.5 saal 170000 bhar ne par mere customer ko 95000 mile hai kya jawab hai iska

Mujhe 4 june achanak 8 % ka nagtive mila sayed insurance me aisa kabhee nahi milta lakin insurance me bharta hi nahi to girega kiya😂 fd se bhee kam retun hai insurance me 😂

Sir, what about inflation? According to you, If we earn only 8.5% return per annum and inflation is about 5-6% per annum. Then we actually get 2-3% return in a year. Is it sufficient? According to me, Only term insurance is sufficient in which we pay a small amount for a big life cover. Other than this we invest in equity and equity MF. In insurance, if anyone invest in 1lac in insurance then approx 40% of 1st premium is commission of agent and in every renewal broker get 3-5%. So that agent promote insurance rather than MF and other investment options. If you opt 1lac premium policy for 10years then u pay Rs.1024750/- (including GST) but only Rs.924000/- is invested after deduction of all commission. It means 1lac of investment amount is decreased due to commission and GST. After that we adjust 5-6% inflation on this investment every year. So the maturity amount is very less in comparison with other investment option.

Full diversion tactics to make people invest in insurance schemes ..but kaam nahi ayega ..people have learnt thir lesson 😂😂😂

चाचा एलआईसी का इसलिए ज्यादा है क्योंकि उनके एजेंट बहुत ज्यादा है और इसमें कमीशन बहुत ज्यादा है म्युचुअल फंड में कमीशन बहुत कम है इसलिए कोई भी एजेंट इस पर काम करना पसंद नहीं करता है क्योंकि उनका कमीशन नहीं मिलता है और कमीशन के चक्कर में अक्सर यह लोग इन्वेस्टर का पैसा डूबा देते हैं LIC जैसे प्लान पर लगा कर

इंश्योरेंस में आपके पैसे डूबने की पूरी गारंटी है क्योंकि फिक्स डिपॉजिट में 7% का रिटर्न मिलता ह और महंगाई 7% के हिसाब से चल रहा है और इंश्योरेंस 5% से ज्यादा का रिटर्न नहीं देगा तो इंश्योरेंस लेते साथ ही आपको इस बात की गारंटी दे दिया जाता है क्या आपका रिटर्न हमेशा 2% नेगेटिव चलेगा

नमस्कार सर जी बहुत बहुत बधाई एवं शुभकामनाएं इतनी अच्छी तरह से बीमा पॉलिसी और अन्य निवेश में पोर्टफोलियो बनाकर पैसा कमाया या बनाया जा सकता है। एडवाइजर. जे.एस.हिरवे ( बी एम क्लब मेंबर ) जीवन बीमा एवं वित्तीय सलाहकार भारतीय जीवन बीमा निगम, इंदौर