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Reetika Sharma |435 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 09, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more

Asked by Anonymous - Sep 24, 2025Hindi

Money

How I will be benefited by investing lic INDEX PLUS

Ans: LIC Index Plus is an insurance cum investment product which will only give you 5% return in your term. You will not get benefitted with this plan.
If you want insurance as well as investment, buy both differently. Choose a term plan for you. And invest in index mutual funds instead of going for this plan.
If you understand mutual funds, good; but if don't connect with a professional and start investing to get 12-14% annual returns.
LIC plan locks your money for a definite period but mutual fund investment provides flexibility and no lock-in with more than double returns.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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My idea is Investing lic maturity in every year, I am planning to invest in advance and take benefit of time for capital appreciation ??. Especially, when I am getting solid maturity benefit from other traditional policies of ?.1 lac sa+bonus+loyalty addition which will take care of loan repayment and interest. 5 lacs undisturbed for 5 year will expected to get better return

Ans: Yes, your strategy of investing the Rs. 5 lakhs in advance to take advantage of time and capital appreciation makes sense. By investing this amount now, you'll allow it to grow over the next five years while your policy maturity proceeds cover the loan and interest payments. This way, the undisturbed Rs. 5 lakhs can benefit from market growth, potentially yielding higher returns.

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Asked by Anonymous - Jul 08, 2025Hindi

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Lic jeevan utsav policy really a good policy to invest as they say when it is compounding interest of 5.5% . mostly why lic is in investment rather than pure term insurance.

Ans: Hi,
Your question is unclear but let me try to answer as per my understanding.

Any LIC policy only gives a cumulative return of 4-5% when calculated. Saying something and actual returns vary in case of LIC and ULIPs.

If you want to go for investment, choose pure investment instruments like mutual funds. And if you want insurance, go for pure insurance product. Do not mix the two as it never fulfils your purpose and the returns generated does not even beat inflation.

Consult a Certified Financial Planner - a CFP who can guide you with investment products to invest in keeping in mind your age and risk profile.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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