LIC Jeevan Dhara 2 vs LIC Jeevan Shanti Plan | जीवन धारा या जीवन शांति

LIC Jeevan Dhara 2 vs LIC Jeevan Shanti Plan | जीवन धारा या जीवन शांति | LIC Best Pension Plan 2024

Рет қаралды 11,671

6 ай бұрын

LIC Jeevan Dhara 2 vs LIC Jeevan Shanti Plan | जीवन धारा या जीवन शांति | LIC Best Pension Plan 2024
Dosto Aj ki Video Me Hum Comparison Karnge Lic Jeevan Dhara 872 and Jeevan Shanti 858 Me. Dosto Wasie To Dono Plans Hi Pension Plan 2024 Me Jo High Returns De Rahe Hai.
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Пікірлер: 18

@vinodporwal2985 5 ай бұрын

आपने दोनों प्लान के उदाहरण का कंपैरिजन भी सही तरीके से नहीं किया आपको दोनों का डिफर्मेंट पीरियड एवं उम्र एक जैसी रखकर करना चाहिए था तब सही पता लगता कि कौन क्या दे रहा है

@pchako 3 ай бұрын

Wrong comparison. Deferment period should have been kept the same while comparing both the policies (not 12 years for Jeevan Shanti and 15 years for Jeevan Dhara 2).

@PkBehera-c9m Күн бұрын

I will want to invest one time 3000000 and want return next month which policy for me give detaild

@sanjayjagdhane5143 5 ай бұрын

@SwatiSamant1965 5 ай бұрын

Pemsion taxable hai kya dono me?

@edwardsequeira4484 5 ай бұрын

Withdrawal of money is allowed in Jeevan Dhara 2 at age 75?

@madankumar-yl3jc 4 ай бұрын

I agree that LIC is just for aam people ,but not for good educated people .yes they give very low return like saving account .hahaha janta hu .my point to turn these scheme is life long fix 14-16% return after 15 yr ,no matter what market hulchal happens or rbi rate anywhere. However now I changed my mind 4 jeevan dhara .now i ll go with MF mid cap for 15 yrs then after 15 yr the full capital I ll go for SWP(systemic withdrawal plan) I hope i would get at least double of LIC

@ephilosophy6127 5 ай бұрын

Is lic pension taxable

@srikanthkumarthanneeru3562 5 ай бұрын

@pradeepsingh-mh7ir 5 ай бұрын

Yes. Annuity products are taxable. But moneyback products are tax free. In short, investment is taxable and insurance is tax free.

@manankelawala4840 4 ай бұрын

IRR calculate kar Bhai...12/15 saal kuchh nahi mil raha....kahe ke 14%/16% ?

@madankumar-yl3jc 4 ай бұрын

Hello brother, aap kya kehna chahte ho ,plz thoda clear batayie as mai jeevan dhara2 buy karne ka plan kar chuka hu .plz share ur view if anything wrong

@manankelawala4840 4 ай бұрын

@@madankumar-yl3jc my suggestion would be not to go for any LIC policy.14% return,16% return is highly misleading. Basically when you invest 1 lac every year...you do not get anything on this 1 lac till your first income....if you calculate from day 1 just like when you invest in bank FD ,you start accumulating interest,your return on jeevan dhara or jeevan utsav or jeevan Shanti will not be more than 6-6.6 % which is lower than current bank FD rates.

@madankumar-yl3jc 4 ай бұрын

My view on ur answer is Lil different I tell you why....I assuming intrest rate after 15 yr would be very very low as there in USA.SO this opportunity vo bhi life long 14-16% yearly would be good option right now .

@manankelawala4840 4 ай бұрын

@@madankumar-yl3jc your argument that interest rates in future will not be high can be agreeable though contentious. My argument is 14-16% return annually is wrong because you get nothing as long as you invest....your return comes only after 10-12-15 years so that makes annual return only 6-6.5% if you consider GST also as a cost. Rest is upto investor what they think,their risk appetite. Any sensible financial advisor will tell you that LIC is making investors fool by "playing with only words". Ask any LIC agent that what is the IRR of this LIC PLAN. If they are genuine advisor, they will tell you the truth.

@pchako 3 ай бұрын

Investment in Mutual Fund is risky, especially if time is short e.g. retired persons. One Covid (or War) like disaster, and the market will come crashing down giving negative returns. It might take 4-5 years before it can manage to recover. Moreover, at present Mutual Funds in India are giving good returns. But who knows what will happen after 10-15-20 years from now. Mutual Funds in developed countries like Japan, USA etc. give very low returns, as their economy has reached its peak. There was a time in India when even established Bank FDs used to give 12% annual returns. Those days are gone, and will never come back. Therefore, the importance of LIC will never diminish.