Baap of Magic plans-ULIP

Hey All,

I am back with a new idea...an investment idea similar to my earlier post "Baap of Magic plans".
The major difference between the earlier "Baap of Magic Plans" and this new version is that earlier version was a traditional and guaranteed returns plan where the returns were moderate and this being a market linked plan with a possibility of vertical growth in future in terms of returns & benefits...

Hope you all will appreciate my effort...

This is a case study of 1 lac premium per year and annual growth assumptions at current market conditions..


When Raj was 30, he decided to invest 1lac every year for his retirement...He chose a good equity based retirement fund and invested in it till he turned 60yrs.


When he retired @ 60,he withdrew 20 lacs to settle his outstanding loans.


And, to support his daily expenses he started withdrawing Rs.1,00,000 every month(Rs 12 lacs every year) from age 61 to 78!!!


When he was 61, he took his family for a foreign trip and surprised them...Rs 10 lacs for the vacation came from this plan...


When he was 63, his wife underwent a surgery of her knee cap...He withdrew Rs 10 lacs from this plan for the hospital expenses...


When he turned 65,his son wanted to start a business,he supported him with Rs 30 lacs which came from this plan..


When he was 70,he sponsored Rs 20 lacs for his granddaughter's higher education.


Today he is 79,and still he has a corpus of Rs.1.42 crores in the plan!!!


In case of his absence,his wife will have the entire amount tax free!!!


In case of an unfortunate eventuality of his death,his family would have received death benefit...eg. If he had died at the age of 55,his family would have got Rs 98 lacs immediately!!!

Mr.Kumar invested only Rs.30 lacs while he was working and got back Rs 4.48 crores after he retired!!!


This plan helped him attain financial independence after retirement...
He is still considered to be the decision maker at home by his family members in-spite of being retired from his work...


His children and grandchildren still look up to him with respect for his farsighted and independent nature...


He & his wife never became a financial burden to his children after getting retired because of his retirement planning...


Do you want your retired life to be like this???


You know what you have to do...Call me on 9901045869


or mail me subhash.sukumar@gmail.com


Or leave a comment....


Hope to hear some suggestions and feedback as usual....

Best children plan

Hey All,

I am overwhelmed by your continuous support & response for my blog and it is evident with the number of page views and interests created around.
I apologize for not being able to post any new content as i was busy with the product presentation meetings and helping interested people to take up these plans.

As you all know that my 1st post "Baap of Magic plans" created lots of curiosities and interests in people's mind that i was rushed with queries and requests for a one on one presentations and closings.
As i was presenting the plans to my prospective clients,i found out that there are many people who are looking for short term investment opportunities as well and my next post "How to create wealth in short term" drew their interest and i was able to close even more sales with this plan..

This time i decided to present you a plan which would be the best gift you could buy for your child...So read on & find out yourself how beneficial it is...

This is a story of Mr.vasu...



Hi,Iam vasu,i am a 77 yr old sr.citizen...Let me tell you how i had been a responsible father and ensured that my son always loved & respected me for my farsighted thinking...



I was 30 at that time and was a salaried employee working in a reputed corporate in India..
just one month back,i was blessed with a baby boy...



I am delighted and i wanted to ensure that i should be prepared & plan well in advance for all those expenses i would incur on my son which would pop up in future,So i decided to take a children plan..
I consulted few financial consultants and zeroed in on a particular plan..
I liked this plan because this was attractive & made sense compared to the other investment which was blown out of proportion with unrealistic calculations...
Lets find out how this plan benefited me...

I started investing 1 lac every year in this plan till my son reached the age of 18..
Need 1:


As my son krishna was an average student,he could not secure a merit seat & i had to pay up 15 lacs as capitation fees + 2 lacs as miscellaneous expenses to get him on board in a reputed college...The entire funding came from a magic account which i had created for his education expenses...

Need 2:


From 21st yr till 29th yr,i gave my son a pocket money of 2 lacs every year as he had not settled down completely & would not have had enough money to manage his expenses on his own...The pocket money came from a magic account which i had created for his other expenses...

Need 3:


At the age of 30,He expressed his desire to get married to the girl he loves..And as a loving father who had always stood by his side and loved him so much,i agreed on a condition that i would take care of his marriage expenses...



I spent 15 lacs on my son's wedding and everyone loved & enjoyed the party and joined us in our celebration...The entire money came from a magic account which i had created for his marriage expenses...

Need 4:


As the domestic expenses increased after my son's marriage,My son withdrew 5 lacs each for the next 2 yrs from the magic account which i had created for his home making expenses...

Need 5:


At the age of 33,he had his 1st child,i was delighted because i had become a grandfather...my son withdrew 8 lacs for the hospital & other miscellaneous expenses from the same magic account which i had created for his new born child expenses...

Need 6:


At the age of 34,he wanted to upgrade his sedan car to an SUV,so again he withdrew 15 lacs from the same magic account which i had created to fulfill his offroading desires...

Need 7:


Now as the lifestyle & fuel expenses increased,my son withdrew 4 lacs each for the next 2 yrs from the magic account which i had created for his lifestyle expenses...

Need 8:


At the age of 37,he had his 2nd child and he cannot be partial,so he withdrew another 8 lacs again from the same magic account which i had created for his 2nd child expenses...

Need 9:


Now that the family is big & the expenses also is increasing day by day,From the age of 38 till 46,my son is happy with the 6 lacs which is coming to him every year from the magic account i had created for his lifestyle expenses...

Need 10:


At the age of 47,my son took a final payout of 1.1 crore from the magic account which i had created for him...

Now that the magic account is closed,lets get into the summary of the money which my son used for himself all these years...

I paid 18 lacs for 18 yrs to ensure that my son could enjoy the benefit for a really really long time...
It does not mean that my son was not independent & capable of earning enough to take care of his needs,but a little extra cash will always come handy at any point of time for anyone!!!This is what i have learnt from my life....

So lets get into the numbers,My investment into this child plan was 18 lacs only but my son withdrew 1.53 crores from 19th to 46th year for various expenses and still at the age of 47,he had a corpus amount of another 1.1 crore at his disposal!!!



And if something unfortunate would have happened to me during the premium payment term,my son would have received a sum of 25 lacs immediately and all the above benefits would still have come to my son as planned!!!



I hope now you understand why my son loves & respects me for my farsightedness...

So as you have read the story of Mr.Vasu, what are you waiting for???

Act Now...


Do you want your child's life to be like this???

If yes,then post a comment or mail me @ subhash.sukumar@gmail.com or call me on my number 09901045869.

Hope to hear your feedbacks and suggestions if any...

How To Get More Benefits From a Unit Linked Plan

Hey All..

Let me First Thank all of you for your overwhelming support and Interest shown for My "Baap Of Magic Plans" Post..I am glad that i was able to assist many in realizing their dream of a happy and worry free retired life with that investment idea..

Frankly speaking i realized the power and potential of online assistance in Innovative investment ideas lately and still do not regret about it after seeing the number of sales closures i was able to do in just 10 days of posting that Blog.

Here I am presenting you a Simple illustration to show you how you can Get More Benefits From a Market Linked Investment without risking your Investment amount.

Hope you all will like this too...

Sample illustration for a person aged 30yrs.

Investment Type - ULIP / Conventional

Market Exposure - Yes

Investment Amount - 1 lac per annum

Investment period - 25yrs

Total amount invested by you - 25 lacs.

Benefits You Get...
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On your 35th Birthday you want to Buy This...And it costs you 6 lacs!!!
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Buy it without paying even a single rupee from your pocket....
Courtesy-This Free car plan!!!This plan will pay the entire money...
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On your 40th year,unfortunately you or one of your family member was met with this eventuality.....And it cost you 2.5lacs!!!
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Ensure that you will only be bothered about you or your loved one's speedy recovery....Not the Hospital Bill...
Courtesy - This Accidental benefit Plan!!!This will pay the entire 2.5lacs Hospital bill..
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On your 45th Year,Your Sweet child is ready for this and to fulfill your dreams...And you need 12 lacs!!!
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Ensure that you spend your quality time on Finding the best college and not on the admission fees...
Courtesy - This Education Plan!!! This will pay the entire 12 lacs needed for your Child's college admission...
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On your 50th year,you may have to undergo this....critical illness...And you need another 2.5lacs!!!
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You will be happy to see that your family is beside you without running around to arrange for the hospital bill...
Courtesy - This Critical illness Plan!!! This will pay the entire 2.5 lacs for your critical illness treatment...
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On your 55th year,You are eager to move from this place...
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To This Place...And the Difference amount needed is 25 lacs!!!!
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Congratulations on your new home and Do not Forget to throw a party for your friends and family in your new home...By the way do not worry on the difference amount...
Courtesy - This New House Plan!!! This will pay the Difference amount of 25 lacs required to upgrade to a bigger home...
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On your 60th year,You have plan to go on a vacation here....and you need 12 lacs!!!
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and here as well...
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Do you want to miss this???
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What are you waiting for???Just pack this and Fly....
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Courtesy - This World Tour Plan!!!This will pay your total vacation expense of 12 lacs...
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On your 65th year...you want to present your better half this...And it cost you another 12lacs!!!
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Just admire her and tell her how beautiful she looks with that...And do not ever think about that 12 lacs...
Courtesy - This Impress your wife Plan!!!This will pay you the entire 12 lacs for the beautiful Diamond necklace you just bought...
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Now the sad and inevitable part...
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On your 80th age....this happens...
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Although,Nothing would be able to fill the gap left by you in your loved ones heart...You can atleast leave this world worry free thinking that there is another 12 lacs money which will take care of your spouse's remaining years.
Courtesy - This Insurance Plan!!!Death benefit Of 12 lacs till your 100th Birthday...
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PS-All the above calculation is given considering the present Growth and everyone knows how the market is performing right now...So a carefully chosen combination of plans will definitely give you more than what has been illustrated here..

Do let me know your opinion....