विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
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Ramalingam Kalirajan11326 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2026
Asked on - Jul 01, 2026
I INVEST 2 lakh( yearly) for smart fortune building plan . During 5 years I hav to invest total 10 lakh .Aftr 6 years from starting the plan I will withdraw entier amount built during this period . What approx amount may I expect at 6 th year ?
Ans: » Need More Information Before Estimating
– The name "Smart Fortune Building Plan" alone is not enough to estimate the maturity value.
– Different plans can have very different structures.
– Some are ULIPs.
– Some are traditional insurance plans.
– Some may have bonus-based returns.
– Some may have market-linked returns.
» If This Is A ULIP Or Investment-Cum-Insurance Plan
– Please check:
Policy start year.
Premium paying term.
Policy term.
Current fund value.
Sum assured.
Fund option selected.
– Many investors focus only on the premium paid.
– But charges, fund performance and policy conditions also matter.
» A Reality Check
– You are investing Rs 2 lakh per year for 5 years.
– Total investment will be Rs 10 lakh.
– The amount you receive after 6 years will depend on:
Actual investment returns.
Policy charges.
Mortality charges.
Fund management charges.
Any bonus, if applicable.
– Therefore, nobody can accurately predict the maturity amount without these details.
» Before You Continue
– Review whether the plan is primarily an insurance product or a wealth creation product.
– Insurance and investment work best when kept separate.
– If this is a ULIP or investment-cum-insurance policy, review its performance carefully.
– If the lock-in period is completed and the plan is not delivering satisfactory value, you may consider surrendering it and moving future investments into suitable mutual funds after evaluating all charges and tax implications.
» What You Should Share
– Policy brochure or policy name.
– Current fund value or surrender value.
– Policy start date.
– Whether it is ULIP or traditional plan.
– With these details, a much clearer estimate can be given.
» Finally
– Based on the information provided, no reliable maturity estimate can be given.
– The final amount could vary significantly depending on the type of plan and its charges.
– Share the policy details and current value. Then a more meaningful assessment can be made about the likely amount available in the 6th year and whether continuing the plan is worthwhile.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
– The name "Smart Fortune Building Plan" alone is not enough to estimate the maturity value.
– Different plans can have very different structures.
– Some are ULIPs.
– Some are traditional insurance plans.
– Some may have bonus-based returns.
– Some may have market-linked returns.
» If This Is A ULIP Or Investment-Cum-Insurance Plan
– Please check:
Policy start year.
Premium paying term.
Policy term.
Current fund value.
Sum assured.
Fund option selected.
– Many investors focus only on the premium paid.
– But charges, fund performance and policy conditions also matter.
» A Reality Check
– You are investing Rs 2 lakh per year for 5 years.
– Total investment will be Rs 10 lakh.
– The amount you receive after 6 years will depend on:
Actual investment returns.
Policy charges.
Mortality charges.
Fund management charges.
Any bonus, if applicable.
– Therefore, nobody can accurately predict the maturity amount without these details.
» Before You Continue
– Review whether the plan is primarily an insurance product or a wealth creation product.
– Insurance and investment work best when kept separate.
– If this is a ULIP or investment-cum-insurance policy, review its performance carefully.
– If the lock-in period is completed and the plan is not delivering satisfactory value, you may consider surrendering it and moving future investments into suitable mutual funds after evaluating all charges and tax implications.
» What You Should Share
– Policy brochure or policy name.
– Current fund value or surrender value.
– Policy start date.
– Whether it is ULIP or traditional plan.
– With these details, a much clearer estimate can be given.
» Finally
– Based on the information provided, no reliable maturity estimate can be given.
– The final amount could vary significantly depending on the type of plan and its charges.
– Share the policy details and current value. Then a more meaningful assessment can be made about the likely amount available in the 6th year and whether continuing the plan is worthwhile.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/