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Ramalingam Kalirajan |8292 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 25, 2023

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by Sukumar on Jul 14, 2023Hindi

Money

How about investment in LIC's Jeevan Shanti policy for 10 lacs - I am aged 66 years.

Ans: Please don't go for readymade pension policies. Poor returns and not tax efficient.

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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I am 65 years old and want to invest in LIC's JEEVAN SHANTI Policy for an amount of Rs.20 lacs. Please advise pros and con of benefits over Bank FD/

Ans: I don't know the features of Jeevan Shanti but what's your requirement. Do you want regular income ?

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Asked by Anonymous - Jul 18, 2023Hindi

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I am 66 years old - is investment in LIC's Jeevan Shanti plan for Rs20lacs -is a good investment?

Ans: LIC's Jeevan Shanti plan is a single premium deferred annuity plan which offers a guaranteed annuity for the rest of the policyholder's life, which can be a good option for people who are looking for a secure income stream in their retirement years.

However, the amount that you are looking at committing towards this is very high and the returns that will be earned by you will only be in the range of about 4% post tax which is not very suitable for the tenure that you're looking at. Additionally, it will only provide a fixed income which will also not take inflation into account.

Hence, we do not recommend this policy to you.

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Question by Rajesh - Sep 18, 2024Hindi

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Dear Sir I am at 50s working in private sector.taking salary 50.i dont have much investment since had huge commitment.but still paying 60t annual premium for lic and also market linked.plus few small investment.Have a chit of 10 lac and 30 months to left.If i get this around 9 lac,can you suggest me a investment for 10 years with maximum benifited.

Ans: If you invest the 9 L today in a flexicap fund for eg. PPFAS flexicap fund (highest return on 10 yr basis in its category) you may expect to receive a corpus of 30.55 L after 10 years assuming a modest return of 13%.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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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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