Sirf Tax Bachaane Ke Liye Mahange Yoolip Mein Na Karein Nivesh

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Sirf Tax Bachaane Ke Liye Mahange Yoolip Mein Na Karein Nivesh

preeti Kulkarni. . Faainainshal iyar khatm hone ko hai. Aise mein inshyoreins sales se jude log unit linkd inshyoreins plaan (yoolip) bechne ki harsambhav koshish mein jute hain. Investameint eksaparts ke mutaabik, finance ki jaankaari rakhane vaale log bhi 31 March ki samayaseema ko dekhte hue jaroori investameint karne ki jaldi mein rahate hain. Aise mein ve nai yoolip paulisi par lagne vaale sabhi tarah ke chaarj ko samajhne ki koshish naheen karte. Optima mani mainejars ke CEO pankaj mathapaal ne bataaya, 'Haalaanki, yoolip par milne vaale kamishn mein kaafi kami I hai. September 2010 mein yah 20-30 feesadi huaa karta tha, jo ab ghatkar 8-10 feesadi rah gaya hai. Iske baavajood yah kaafi mahanga hai. Inshyoreins lene vaale kai log is baat ko naheen samajhte hain. Mathapaal ke mutaabik, jyaadaatar log sirf premium alokeshan par dhyaan dete hain. Haalaanki, paulisi edaministreshan aur maurteliti jaise chaarj hain, jo aapka total inshyoreins kharch badha dete hain. Misaal ke taur par yoolip mein har paanchavein saal ke baad aidaministreshan chaarj badh jaata hai. Eksaparts ke mutaabik, agar aapne yoolip khareedne ka faisala kiya hai, to sabse sasta vikalp dhoondhane ki koshish karein. Sabse pehle yoolip ke tahat 10 saal mein bhugataan kiye jaane vaale premium aur baaki chaarj ko jodein. Saath hi, return ke baare mein faainainshal adavaaijar ke daavon par yakeen naheen karein, kyonki ye praudakts market linkd hote hain. Premium ailokeshan chaarj indipeindeint faainainshal plaanar pehle oonche premium ailokeshan chaarj ke kaaran yoolip ko naapasand karte the. Do saal pehle irada ne aise chaarj par kainchi chalaai. Pehle inshyoreins companiyaan ailokeshan chaarj ke taur par pehle saal ke premium ka 20 feesadi rakam kaatati theen. Irada ki nai gaaidalaains ke baad jyaadaatar yoolip paulisi mein yah chaarj ghatkar 7.5 feesadi par aa gaya hai. Saath hi, kamishn bhi ghatkar 8-10 feesadi ho gaya hai. Haalaanki, yoolip ko ab bhi mahangi paulisi maani jaati hai. Lihaaja, aisi paulisi lene se pehle praudakt broshar aur tamaam chaarj ke baare mein jaanana naheen bhoolein. Paulisi aidaministreshan chaarj jab aap benifit ilastreshan ka vishleshan kareinge to aap pata chalega ki premium elokeshan chaarj ke alaava har maheene aapke premium se ek nishchit raashi kaati jaati hai. Ise paulisi aidaministreshan chaarj ke taur par jaana jaata hai. Ye chaarj 3-5 saal tak ke liye 70-100 rupae prati maheena tak hote hain. Fund management chaarjafilhaal fund management chaarj (efaemasi) ki seema 1.35 feesadi tay ki gayi hai. Det se judi yoolip paulisi ke liye jyaadaatar inshyoreins companiyaan kam levi chaarj karti hain. Haalaanki, bahut saare logon ko yah baat naheen pata hai ki efaemasi poori raashi par lagaai jaati hai, na ki sirf premium par. Jaise-jaise aapka fund badhta hai, efaemasi ke taur par kaati jaane waali rakam bhi badhti jaati hai. Mortaliti chaarjajab paulisi khareedne vaale inshyoreins kam investameint praudakt khareedte hain, to unka pramukh maksad investameint hota hai. Haalaanki, unhein inshyoreins kavar ke liye fees ada karni hoti hai, jise mortaliti chaarj ke taur par jaana jaata hai. Laidara7 faainainshal adavaajareej ke sartifaaid faainainshal plaanar suresh sadagopaan kehte hain, 'Kai log yoolip mein paisa sirf investameint ke lihaaj se karte hain. Aise maamalon mein mortaliti chaarj ka koi matlab naheen banta hai. ' misaal ke taur par jin logon ne pehle hi tarm kavar le rakha hai, unhein aur inshyoreins kavar ki jaroorat naheen ho sakti hai. Haalaanki, agar vah shakhs yoolip khareedata hai, to use inshyoreins kavar ke liye bhi bhugataan karna hoga. Surrender chaarjayoolip mein 5 saal ka lauk in peeriyd hota hai. Agar aap isse pehle paulisi surrender karte hain, to aapko surrender chaarj ka bhugataan karna hoga. Aamtaur par yah chaarj shuruaati saalon mein jyaada hota hai. Misaal ke taur par pehle saal mein yah 15 feesadi hai, jabki teesare saal mein 5 feesadi ho sakta hai

Sirf Tax Bachaane Ke Liye Mahange Yoolip Mein Na Karein Nivesh https://www.angrejinews.com/pic/3618