BEST INVESTMENT PRODUCT FOR LONG TERM INVESTORS
I am offering you the best investment product available in the market with multi features.
I would like to disclose some strange facts about insurance companies. The best products offered by the company (from insured point of view) is least sold in the market. The agents dont even disclose these products because the company's and the agent's commission is very low.
My brother Anurag Dujari is a representative of ICICI PRUDENTIAL. The company offers more than 6 unit linked insurance-cum-investment products:-
1. LIFE TIME SUPER
2. LIFE TIME PLUS
3. PREMIER LIFE GOLD
4. LIFELINK SUPER
5. SMART KID NEW UL RP
6. LIFETIME SUPER PENSION
You would be very strange to know that LIFETIME SUPER is the most selling product of the company in which the total charges of the insured is 23% and agent commission is maximum (i.e 12%). It is almost certain that you will get negative return for the first year. Even the management motivates agents to sell this product since company also benefits a lot from this product. Although he is the representative of the company but I dont support the management regarding the policy of selling such a kind of product which not friendly to insured.
I want to share an investment product in which the insured gets maximum benefit. It gives minimum advantage to company and agents. Thats why they dont like to sell this product. The management itself demotivated me to sell this product. But I am not like others. I share long term relationship with my clients and hence cant afford to cheat my clients for few bugs.
ICICI PRUDENTIAL offers a product namely LIFELINK SUPER. I assure you that it is the best investment plan. I would like to justify my statement. So kindly read the below very carefully.
If you invest Rs 5,00,000 then your annual charges would be less than 2.29% p.a (inclusive of everything) which is lowest by any standards. I would like to show it in details:-
PLAN 1 (If you want both life cover and investment)
YOUR INVESTMENT - Rs 5,00,000
YOUR LIFE COVERAGE - Rs 25,00,000
LOCK-IN PERIOD - 5 years
CHARGES (very important):-
1. PREMIUM ALLOCATION CHARGES - NIL (best offer ever)
2. FUND MANAGEMENT CHARGES - 2.25% p.a (at max)
3. MORTALITY CHARGES - 0.75% p.a (assuming age 31 years)
Therefore total charges comes to 3% p.a at max (no charges above that in any form)
PLAN 2 (If you are investment oriented only)
YOUR INVESTMENT - Rs 5,00,000
YOUR LIFE COVERAGE - Rs 6,25,000
LOCK-IN PERIOD - 5 years
CHARGES (very important):-
1. PREMIUM ALLOCATION CHARGES - NIL (best offer ever)
2. FUND MANAGEMENT CHARGES - 2.25% p.a (at max)
3. MORTALITY CHARGES - 0.04% p.a (assuming age 31 years)
Therefore total charges comes to 2.29% p.a at max (no charges above that in any form)
BENEFITS (very important) :-
1. Tax benefit u/s 80c (upto limit of Rs 1,00,000)
You would get tax benefit u/s 80c which would reduce tax liability to a large extent. Suppose your net income comes to Rs 4,00,000 then your tax liability would get reduced by Rs 30,000 which is quite a bit.
2. Tax benefit u/s 10(10D)
Whatever capital gains you get in 5 years would be tax free.No tax would be levied on the gains you make in 5 years. It is expected that you can earn 30% p.a which would come to 3.71 times of your invested capital over the 5 years. It means if you invest Rs 5,00,000 then you capital would become more than Rs 18,00,000 in 5 years. All this amount would be exempt from tax.
3. 4 free switches in a year (tremendous benefit)
If you feel that markets are likely to fall then you can protect you capital by switching to debt funds which would still yield you 6-7% p.a approx. And when you feel that markets are likely to rise then again switch to equity funds. In this way you will save your transaction charges (entry load and exit load and other charges levied) which could be in case of normal mutual funds.These charges computes to around 0.5-1% per transaction. So it roughly comes to 2-4% if you make 4 transactions in a year. Moreover if you sell a mutual fund at a profit within a year then you will be charged 10% as short term capital gains tax. But in case of this fund you will not incur any such charges and taxes. No mutual fund offers switching options. If markets are likely to fall then you have to sell that mutual fund and in case of tax saving mutual funds your situation is even worse.You cant even sell or switch before 3 years. If markets tank in these 3 years then you cant do anything.You have no other option but to wait and watch.
4. ICICI Prudential was awarded best performing ULIP fund last year. So you are investing in best performing fund.
Last year this fund has rewarded more than 44% return which was highest among all ULIP funds.So you would definately get much higher returns as compared to broader index.
5. I will help you in switching your fund at appropriate time at no charge at all. Whenever I feel markets are likely to correct then we would switch to debt funds (annual yield 6-7% approx) and would again switch to equity fund when markets are likely to move up. Let me explain you with an example. Suppose, when you invested, the NAV was quoting at 40. After few months it rises to 46 and then falls to 44 and then again rises to 48 at the end of the year. Your net return comes to 48 - 40 = 8, which is 20% on your initial NAV. Now if we switch to debt funds at 46 and then again switch to equity fund at 44, then your net return would come to more than 26% which is good 6% more than normal return. We have got extra 6% return just because of the advantage of free switching facility. This fund has always outperformed the index by a huge margin. If index rises by 20% in a year (which looks probable) then this fund might yield you more than 25% return and through free switches we can make it to 32-35% yield in a year.
From the above, it is quite clear that LifeLink Super is excellent investment plan for long term investors. Normal Mutual funds charge around 2% as fund management charges but wont offer any benefit what this scheme is offering to you. If you are interested in long term investment then this product would suit you the best with reasonable returns.It would definately offer much higher returns (30-35% p.a) as compared to fixed deposits (9-10% return). Even though a good mutual fund can reward 20-25% return but transaction charges and STCG tax would effectively reduce your return by more than 3-4% ultimately giving 16-18% return.
This fund would give you huge tax benefits, less risk, higher returns and much more. If you are interested in this product or want to know more about this product then call me at 09830056562 or mail me at anupamadvisory@yahoo.com
I would again say that you would not get this scheme in the market. Another important thing is that markets are likely to witness selling in coming couple of weeks.So if you go ahead with my offer then you would get it at very low NAV. Remember this correction would not last for more than 2 weeks. So we have limited time buy this product.
ANUPAM DUJARI
E-MAIL - anupamadvisory@yahoo.com
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