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....

Indian GDP Update for Q1 FY '12

Hey All, the below news will keep you updated on the real growth in some sectors and will make you wary of people who gives u fake informations...Hope you all will like it...

The real GDP grew at 7.7% during Q1FY12 (versus 7.8% last quarter and 8.8% Q1FY11). This growth is substantial considering the high base from last year. Agriculture, Industry and Services grew at 3.9%, 5.1% and 10%, respectively as compared to 2.4%, 10.5% and 9.6%. The headline number was supported by robust growth in ‘Electricity, gas and water supply’ at 7.9%, ‘trade, hotels, transport and communication’ at 12.8%, ‘financing, insurance, real estate and business services’ at 9.1%.

According to the Department of Agriculture and Cooperation (DAC), the production of crops - rice, wheat, coarse cereals and pulses during the Rabi season have recorded growth rates of 11.3%, 6.3%, 0.7% and 4.9%, respectively. ‘Agriculture’ sector grew by 3.9% in Q1FY12 v/s 2.4% last year and 7.5% in Q4FY11.

Industry sector grew by 5.1% during Q1FY12 as compared 10.5% last year and 6.1% in Q4FY11. The Manufacturing and Electricity, gas, water supply showed robust growth of 7.2% and 7.9% respectively in Q1FY12 (10.6% and 5.5% in Q1FY11 and 5.5% and 7.8% in Q4FY11). Mining registered sluggish Q1FY12 growth at 1.8% (as reflected in IIP numbers). Industry sector growth for FY12 will likely settle at 7.5-7.75% levels.

Service sector continued its strong growth of 10% v/s 9.6% in Q1FY11 and 8.7% in Q4FY11. The sub-segment – Trade, Hotels, Transport and Communication grew robust by 12.8% v/s 12.1% last year and 9.3% in Q4FY11. Financing, Insurance, Real estate and Business services – continues its strong pace of growth with 9.1% growth during the quarter as compared 9.8% last year and 9% last quarter. The sub-segment – Community, Social & Personal Services slowed down significantly sequentially to 5.6% v/s 8.2% last year and 7% in Q4FY11.

For Q1FY12 Private Final Consumption Expenditure (PFCE) grew at 6.3% v/s 8% in Q4FY11 and 8.8% in Q1FY11. We believe increase in core inflation to have impacted PFCE spend in Q1. In our view, PFCE spend remained inconsistent in FY11 and this parameter will be a key monitorable in FY12 to assess the demand in the economy. Government Final Consumption Expenditure (GFCE) continues to slide, coming in at 2.1% v/s 4.8% growth for Q4FY11. In Q1FY12 Gross Fixed Capital Formation (GFCF) registered strong 7.9% growth v/s 0.4% last quarter.

Going ahead in FY12 we expect manufacturing sector to register sluggish growth in H1FY12 on account of high base effect. With inflation expected to remain elevated in the coming fiscal and the impact of tight monetary policy, we believe growth in the manufacturing sector will be impacted. With growth expected to bounce back in H2FY12 we estimate manufacturing to post growth of ~7.5-7.75% for the fiscal. Services sector will continue to perform strong in FY12 and is expected to grow at ~9%. We expect agriculture to revert to trend / mean growth and post a 3.5% growth. Overall, we expect FY12 GDP growth to be around 7.9%.

Table 1: Annual GDP data

Amounts in Rs. crore

Source- Quarterly Report-Business news.

Baap Of Magic Plans

Hey All,

Please find below a calculation which i have done by using an excel.

There are some LIC Agents who are selling insurance plans called Magic plan-Retire and enjoy.I have proved here that my investment idea can beat their so called magic plan hands down.Below is the sample illustration for a person aged 26 years and planning an investment of 1 lac approximately every year for his retirement planning.

I have named it "Baap Of Magic Plans"...


Hope you all will like it.

Investment type-Traditional/conventional

Market exposure- No

Investment amount - 1.05 + 0.05 lac per annum

Total investment amount - 1.1 lac per annum

Investment period - 1.05 lac for only 15yrs!!! and 0.05 lac for 30yrs.

So total investment amount from you is only Rs.1725000/-!!!!!

Expected return on Investment - From your 56th birthday you can take
home 10lac!! every year as a pension amount till your 80th birthday
and once you reach your 80th birthday you can take home 12 lac
approximately as a lump-sum and the plan will get closed.

Death Benefit - In case of death before your 56th birthday,your family
will receive 30 lac insurance money plus the accumulated money in the
pension fund.

For example - In case if death happens on 50th year,your nominee will
receive 30 lac insurance money plus 50 lac approximately from your
pension fund!!!

In case of death after 56 the birthday,your family will receive 12 lac
plus remaining balance from your pension fund.

For example - In case if death happens on 65th birthday, you would
have received 10 lac for 10 years as pension,so total 1 crore you have
used for yourself and your nominee will receive 12 lac insurance money
plus 85 lac approximately from your pension fund.

I have suggested you an investment theory which is absolutely
conventional and secure.You have to just invest in 3 different plans
to get these benefits.

Do let me know if you would like to take this for yourself.