| Author | Message | ||
     Kalikaalam Side Hero Username: Kalikaalam Post Number: 2929 Registered: 01-2008 Posted From: 173.49.92.228 Rating: N/A |
//would fetch somewhere around 12-15%. Max 20% // ante 8 years ki triple ane meaning kadaa?? Am i wrong in my calculation?? I think 20% ante more than triple, 15% ante close to triple anukontunnaa.. | ||
| Maverick Hero Username: Maverick Post Number: 14342 Registered: 01-2008 Posted From: 192.146.101.24 Rating: N/A |
Is it just based on past data of how ulips from lics performed? or you gutt feeling or is it what LIC claims? I agree with the fact that investments should be diversified. I am inclined to this on that front, but just knowledge sharing kosam adugutunna. As scal suggested the other day, KCP cements kooda choosta and TV18 which is offering 12.5% | ||
| Scallion Side Hero Username: Scallion Post Number: 3372 Registered: 05-2009 Posted From: 206.123.17.17 Rating: N/A |
MasterPlus mundhu UTI Mastershare Unit Scheme ani inko very popular scheme meeda few people made good money dani inspiration tho MasterPlus lo chala mandhi kataru, but MasterPlus never performed as good as Mastershare kani because of fanciness it sold 4 to 5 times it's face value by the time it is listed in market dantho Master gain iragabadi kataru.... you know the result
It is not always the case that NAV will have a positive impact by the discounts on bulk of PSU shares they can have a negative impact too Jai NTR, Jai Jai TDP | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2928 Registered: 01-2008 Posted From: 173.49.92.228 Rating: N/A |
//Or your agent with past exp?// Maa agent cheppadu. miru kaadu.sorry for the confusion | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 5346 Registered: 01-2008 Posted From: 167.230.38.120 Rating: N/A |
3 times expecting ani nenu cheppanaa? Or your agent with past exp? In my opinion, 3 times returns in wealth plus would be a miracle. My guess is it would fetch somewhere around 12-15%. Max 20% So why did i invest into something which only gives 15% return? Here are my reasons: As everyone agrees, one needs to diversify his/her investment portfolio for better and safe returns. (like stocks 25%, land/fixed assets 25%, mutual funds 25%, bank FD etc 25% etc) % can be varied based on your risk appetite. So instead of putting my money in bank FD (7.5%) i choose to put it in wealth plus. Just like FD, money in your wealth plus will be SECURE and even in the worst case scenario it will give 10% returns. But if you are looking to invest majority of your savings money into this plan then it is a bad idea. And don't even look at it as a pure insurance as sum assured will be less in case of fatality (compared to other products from lic) If you are looking for higher returns, then go for Mutual funds or ULIPs. But if we get into another recession in next 6-7 years, you may not get anything back. But in case of wealth plus, you will at least get your money back in the worst case. If god doesn't like the way I live, let him tell me, not you | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 5345 Registered: 01-2008 Posted From: 167.230.38.120 Rating: N/A |
As someone already posted here, this article is about how "some" agents are misleading the public. It is NOT about the negatives of Welath Plus plan itself. He is talking about some pamphlets that agents distributed somewhere in north india with misleading numbers. So let's not get in to that argument. Konchem homework chesi research chesthe.. you will not fall in to such traps. First of all, commission hungry agents tho deal cheyakudadu. That's why i said, go for some retd bank managers, govt officials (majority of them choose lic as a time pass and to get some pocket money). They will NOT be in a hurry to sell something for you for quick money. Hdfc, kotak agents andaru laptop pattukoni intiki vachi colorful excel sheets choopistharu.. with 15%, 25% and even 35% returns and graphs. If you for a sincere LIC agent, he will NOT show you more than 10% returns as a example (As per IRDA recommendation). And that doesn't mean you will not get more than 10% returns. If god doesn't like the way I live, let him tell me, not you | ||
| Jacksparrow Comedian Username: Jacksparrow Post Number: 1129 Registered: 07-2008 Posted From: 195.212.29.83 Rating: N/A |
asalu kooda guarantee ledandi... it depends on the stocks they buy... ye ketan parekho, ramesh gelli laantolla backing unna shares lo pedite nothing is guaranteed... correction vachi malli market lo movement ekkuva ayindi... so paniki maalina shares anni attractive ga untay ippudu fund managers ki... | ||
| Raogaru Comedian Username: Raogaru Post Number: 1202 Registered: 01-2010 Posted From: 75.224.150.52 Rating: N/A |
antey asalu key yesaru padutada (market balekapotey)??? mari thread choostey asalu gurantee, paina vachedi varying anipistundi?? yee stocks, policieslu etc naa medaduku yeppudu yekkavu  నన్ను ఇన్వాల్వు చేయకండి సార్ | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 2187 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
motham aviri aithe avvadhu. all depends on the stock market. period. | ||
| Raogaru Comedian Username: Raogaru Post Number: 1200 Registered: 01-2010 Posted From: 75.224.150.52 Rating: N/A |
experts: finalgaa cheppedi yemiti? asalu vastadi guaranteega, paina yenta vastadi anedi can't guarantee, it could be 1% or xxx% antar antena? asalu kooda aviri ayipodu kada? నన్ను ఇన్వాల్వు చేయకండి సార్ | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 2184 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
http://licindia.com/investment_plans.htm Too see the current NAVs http://licindia.com/plan_navs.htm MARKET PLUS (181) DATE OF LAUNCH 05.07.2006 BOND FUND 10 013.8979 013.8979 013.8979 SECURED FUND 10 013.7571 013.7571 013.7571 BALANCED FUND 10 013.6729 013.6729 013.6729 GROWTH FUND 10 014.4548 014.4548 014.4548 MONEY PLUS (180) DATE OF LAUNCH 20.12.2006 BOND FUND 10 012.7598 012.7598 012.7598 SECURED FUND 10 012.6492 012.6492 012.6492 BALANCED FUND 10 012.7885 012.7885 012.7885 GROWTH FUND 10 011.4934 011.4934 011.4934 Bottomline aithe vaddi bokka aindhi kaani assalu baane vundhi based on the current NAVs. This is becos teh market has recovered considerably from the crash | ||
| Idle_yzag Megastar Username: Idle_yzag Post Number: 22068 Registered: 02-2008 Posted From: 198.80.144.187 Rating: N/A |
where to see this info, 3 yrs ki 1 Re perigindha? RahulGandhi/JP/Chiru | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2927 Registered: 01-2008 Posted From: 171.159.64.10 Rating: N/A |
Idle, Money plus is not doing good at this time. MONEY PLUS (180) DATE OF LAUNCH 20.12.2006 BOND FUND 10 012.7598 012.7598 012.7598 SECURED FUND 10 012.6492 012.6492 012.6492 BALANCED FUND 10 012.7885 012.7885 012.7885 GROWTH FUND 10 011.4934 011.4934 011.4934 | ||
| Idle_yzag Megastar Username: Idle_yzag Post Number: 22064 Registered: 02-2008 Posted From: 198.80.144.187 Rating: N/A |
thanks annai, if pazzibule, can you please point to right link to get full details of this plan RahulGandhi/JP/Chiru | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 2183 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Not a bad thing. I am investing around Rs 2 lakhs per year. Insurance coverage plus market participation. 2007 lo market was arnd 19-20K kabatti by end of 2008, the investments are under water. but from 2009 the markets have recovered kabatti aa NAV could be arnd 11. Investment shall be atleast for 4 years (If I am correct ) and if u want u can kwit investing from the 5th year and u can withdraw money after 10 or 15 years(I am not sure of the time period. My policy is bet on multiple eggs. so in the end even if some of them get rotten and atleast few of tehm suceed finally u will be better off by beating inflation.. | ||
| Idle_yzag Megastar Username: Idle_yzag Post Number: 22062 Registered: 02-2008 Posted From: 198.80.144.187 Rating: N/A |
ee 2007 lo start ayna moneyplus policy details koncham cheppandi plzzz, I think I invested 25k/yr and paying from last 3 yrs... what is the status now on this? asalu ee plan gola yendhi, when do I get money back? RahulGandhi/JP/Chiru | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2926 Registered: 01-2008 Posted From: 171.159.64.10 Rating: N/A |
Andhrawala, got the point. | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 2182 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
ledhu baaa. 3 times gatraa gurinchi cheppenu. I can tell u based on what I ahve seen in the past BAck in 90s, Unit Trust of India had a scheme called MasterPlus where they gave for Rs 10 and by the time certficates came the market appreciated and people who sold got arnd 40-50. This was becos UTI got bulk of PSU shares at discount when they were listed got heft premium and so the NAV jumped. Seeing that later when UTI floated another scheme called MasterGain people thronged with lumps of money. UTI target was arouind 200 crores but ended up collecting 12000 crores. maa cousin okkadu UTI agent. vaadki janaalu intivachi form meedha santhakam plus cash ichi veellevaaru. he ended up with a comission of around one lakh in early 90s. vaadki aa two months annam thintaaniki kooda sarigga time vundedhi kaadhu . Finally on listing market went down and they were quoted arnd 7-8 for long time. People called it as Master Loss. Later UTI brought another investment called Grand Master and it was called as Band Master. Bottomline. Dont put all eggs in one basket. u may not get windfall gains but bokka iathe padadhu | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 5341 Registered: 01-2008 Posted From: 166.137.138.163 Rating: N/A |
Link chadivi post chesthaa.... If god doesn't like the way I live, let him tell me, not you | ||
| Scallion Side Hero Username: Scallion Post Number: 3371 Registered: 05-2009 Posted From: 173.46.239.109 Rating: N/A |
In my personal opinion, it may end up below 10% returns Jai NTR, Jai Jai TDP | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2924 Registered: 01-2008 Posted From: 173.49.92.228 Rating: N/A |
Jaksparrow, Thanks for the info. That definitely helps | ||
| Jacksparrow Comedian Username: Jacksparrow Post Number: 1128 Registered: 07-2008 Posted From: 195.212.29.83 Rating: N/A |
i guess its better to invest in a good mutual fund (Birla etc) rather than these insurance tied up plans... mutual funds lo aggressive fund managers untaaru... they react fast to market ups and downs anukuntunna... lic lo ala undakapovachu... | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2923 Registered: 01-2008 Posted From: 171.161.160.10 Rating: N/A |
//One thing about Mutual Funds is Past Performanc eis not a guarnetee for futire performance. // That is true. alaa anukont eika yi investment guricnhi discuss cheyyadam anavasaram. Just fixed deposts better. | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2922 Registered: 01-2008 Posted From: 171.161.160.10 Rating: N/A |
Maverick, Mi post loni link ... yekkuva gaa LIC agents chese false info gurinche vundi gaani, policy lo vunna bad yemiti ani discuss cheyyaledu. so, no comments. maa agent naaku clear gaa cheppadu(refer my previous post). Oke doubt yemiti ante..Maa agent cheppindi'money complete gaa NIFTY shares lo invest chesthaaru" ani. Kaani offficieal web site lo yi money ni yelaa invest chesedi clear gaa cheppaledu' ani chebuthondi miru ichina link lo.idokkate malli kanukkovaali | ||
| Jacksparrow Comedian Username: Jacksparrow Post Number: 1127 Registered: 07-2008 Posted From: 195.212.29.83 Rating: N/A |
check previous schemes NAVs here.... http://licindia.com/plan_navs.htm only bheema plus risk fund(2001), future and jeevan plus growth funds (2005) are above 20Rs.... crash in 08/09 is the main reason... | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 2181 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Maa agent email pampedu L.I.C. of India, a Premier Financial Organisation with assets over 9 lakhs Crores is guaranting to give HIGHEST NAV for its WEALTH PLUS Policyholders for any day for seven years whereas private coys. Guarantee only NAV of 2 days in a month. It is a GOLDEN OPPORTUNITY for a Safe Investment because its Policy Holders are enjoying SOVERIGN GUARANTEE from Central Government. This Plan was launched on 09-02-2010 for a limited period only i.e. close ended - HURRY UP - I am sending three attachments. Pl spare some time and study carefully. If you need any clarification, pl call me on my mobile no. . One thing about Mutual Funds is Past Performanc eis not a guarnetee for futire performance. 2007 lo India vellinappudu Money plus lo pettenu. 2008 lo market dhub mani padappudu band padindhi. ALso Indian govenrment guarentee is for the insurance funds not for the market investments. Agents kaatha thimmini bammni sesi seubuthaaru | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2921 Registered: 01-2008 Posted From: 171.161.160.10 Rating: N/A |
Maa inusrance agent cheppin details: Investor khachitham gaa okka saari anna Inida vachi vundaali(Policy wffective date tharvaatha) LIC's fund managing capabilites are not that great(mr.Hyd also told the same thing),but based on the previous expreince, he is expecting 3 times that of the investment(If i invest 5 lachs, he is confident that I can get aorund 15 lachs). | ||
| Kalikaalam Side Hero Username: Kalikaalam Post Number: 2920 Registered: 01-2008 Posted From: 171.161.160.10 Rating: N/A |
nneu already 5 lachs invest cheyyadaani ki ready ayyaa. let me see this one. It is blocked from my work computer. | ||
| Maverick Hero Username: Maverick Post Number: 14338 Registered: 01-2008 Posted From: 24.1.171.91 Rating: |
MrHyd and others, What is ur opinion on this review? http://www.jagoinvestor.com/2010/03/review-of-lics-wealth-pl us-how-agents-are-miselling-it.html Check this out..there are lot of interesting facts |
