Right Inshyoreins Kavar Khareedne Ke 5 Top Tips

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Right Inshyoreins Kavar Khareedne Ke 5 Top Tips

kya aap plaan ko samajhte hain? Inshyoreins plaan khareedne se pehle aapko is par milne vaale benifit ki poori jaankaari honi chaahiye. Sekshan 80 si ke tahat tax didkshan hi inshyoreins khareedne ki ekamaatr vajah naheen hona chaahiye, kyonki aap ise tax-seving inavestameint ke jariye bhi haasil kar sakte hain. Aapko plaan ke feechars jaise tenyor, peaauts, premium amaaunt aur surrender se jude niyamon ke baare mein poori jaankaari honi chaahiye. Agar aapko koi plaan bahut jatil lagta hai to use na lein. Aamtaur par ejeints pehli meeting mein hi aap par skeem khareedne ka dabaav banaate hain. Aapko jaldabaaji dikhaane ke bajaay kai plaan ko kempeyar kar faisala lena chaahiye. Kavar kitna hai? Life inshyoreins paulisi ke premium emaaunt par aayakar ki dhaara 80 si ke tahat chhoot milti hai. Saath hi inshyoreins skeem se agar aapko koi aamdani hoti hai to vah bhi sekshan 10 (10dee) ke tahat tax free hai. Haalaanki, pichhle saal ke bajat mein is niyam mein bada badlaav kiya gaya tha. Is tax benifit ka hakdaar aap tabhi honge, jab skeem se aapko premium ka das guna kavar mil raha ho. Aisa naheen hone par paulisi ki maichyoriti par milne waali rakam par bhi tax lagega. Kya aapki jarooratein poori ho rahi hain? Inshyoreins plaan kai tarah ke benifits dete hain. Kuchh plaan ke peeriyd ke beech mein kuchh rakam ka bhugataan karte hain to kuchh maichyoriti par ekamusht rakam dete hain. Kuchh ikviti mein inavest karte hain to kuchh dual inshyoreins kavar muhaiya karaate hain. Lekin sabhi benifits sabke liye faayademand naheen hote hain. Kya hai jokhim? Yoolip, market-linkd instroomeint hai aur ikviti opshan mein kisi bhi ikviti myoochual fund ki tarah risk bhi hote hain. Yoolip mein badi rakam inavest karna riski hai. Khaastaur par yadi aap singal premium paulisi khareed rahe hon to. Aise mein manthali ya kvaartarli premium ka opshan chunana chaahiye. Lekin agar aap 31 March se pehle inavest karna chaahate hain to aapke paas yah vikalp bhi naheen hai. Aise mein aap yah kar sakte hain ki aap ikviti fund ke bajaay det opshan mein apna paisa lagaaen. Kya hai tenyor? Paulisi ka tenyor bahut mahatvapoorn hai. Agar kisi inshyoreins paulisi ki avadhi 10 saal se kam hai to usase bahut achha return naheen mil paaega. Yahaan tak ki agar market ka performance achha rahe to bhi yoolip ko break ivan tak aane mein 3-4 saal tak ka vakt lagta hai. Agar aap haayar return chaahate hain unhein kam se kam 20-25 saal ka vet karna padega

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