Comments on: ULIP vrs Mutual Fund

By: VaiVa

VaiVa — Sun, 02 Aug 2009 18:44:34 +0000

A va han ngaihnawm leh cher cher em ve aw…. Nia, lahratla chu spreadsheet sample chu han ti zeuh la… kan chiang kuarh hlawm dawn nia! He ti zawngin Pu Lily a leh Pu mzvision a tuhalna i ti reh dawn lo!

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By: Lily_parmawia

Lily_parmawia — Sun, 02 Aug 2009 18:10:22 +0000

Ni e… i chhutchhuah sa chu.. mut hma-a chhiar zuaih ah min han share teh khai.. kan tuihal anih hi…
mawi.mizo@gmail.com or duhsaka@gmail.com
kan nghakhlel…

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By: lahratla

lahratla — Sun, 02 Aug 2009 18:09:01 +0000

@Mzvision

Thil/files han upload vel dan zung zung hi ka thiam ve vak lo a. Ka thiam dan danin remchang hmasa berah ka’n la upload a niang chu

Mu phawt ang.

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By: mzvision

mzvision — Sun, 02 Aug 2009 18:01:16 +0000

@lalhratla
Spread Sheet Sample hi han click keuh la hetiang hi min han share hlom teh. Heihi misual trhian atranga ka dawn tho

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By: lahratla

lahratla — Sun, 02 Aug 2009 17:58:28 +0000

MF tan FMC kha 1.25% max a ni tih te, overall recurring expenses pawh average daily net assets a zirin 2.50% thleng an la thei tih hi SEBI thuchhiak a ni tih te, ULIPs chungchanga charge awm belh thei te pawh kha ka hria e.

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By: lahratla

lahratla — Sun, 02 Aug 2009 17:51:33 +0000

A tha zawk e, a tha lo zawk e, ka tihna lam ni loin TERM INSURANCE leh ULIP-a insurance chungchang kha kan tuihnih ve lawk ang a. Term insurance-ah chuan premium thawh ngai zat kha a Sum Assured (SA) a zir leh age zirin fixed a ni a. Policy term chhung zawngin a boral lo a nih chuan insurance titu khan fixed premium inang pata a chawi ziah a ngai. Awmzia chu a policy term chhung zawng chu mortality charges kha SA atanga chhut a ni a.

ULIP-ah ve thung chuan mortality charge hi SA atanga chhut ni lovin Sum At Risk (Fund Value less SA) atang chuaha chhut a ni. Awmzia chu SA kha Rs 25,00,000 ni ta se, policyholder in a pawisa dah tawh zawng zawng leh a pung tlingkhawm (fund value) kha Rs 20,00,000 ni bawk ta se, mortality charge kha Rs 5,00,000 (Rs 25,000,000 – 20,00,000) atang chauha chhut tur a ni. Tin Fund Value-in SA a tluk (equal) atang chiahin mortality charge kha titawp ngahl tur a ni. Awmzia chu pure investment a nih tawh dawn tihna a nih deuh mai chu.

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By: Lily_parmawia

Lily_parmawia — Sun, 02 Aug 2009 17:47:41 +0000

Ka sawi peih tawh lo.. ka mu don. I chhiar chian hunah keimahni tan nilo.. kan mizo pui te tana tha zawk kan la sawi ho zel dawn nia.

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By: Lily_parmawia

Lily_parmawia — Sun, 02 Aug 2009 17:42:42 +0000

Khatia comment zut2 lo khan… an performance leh an charges hrang2 te lo chhut la.. ron post top roh.. I rinthu nilo khan.
FMC i tih pawh hi maw, i chianglo anih kha..
ULIP ah :1.75%
MF ah : 1.25% (Heihi SEBI in max. charges atana an ruahhman ani)
ULIP ah hian anla charge belh thei(Fund management charges up to a max. of 2.75% p.a of the NAV for the Equity growth, accelerator Mid-cap and pure fund. 2.25% p.a for the equity index fund and asset allocation fund; 1.75% for the Bond fund and Luquid fund)…. Lo en chiang chhin teh..

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By: lahratla

lahratla — Sun, 02 Aug 2009 17:38:00 +0000

“Tin, a comparison fair leh zualna tur chuan growth rate inanga chhut ni ngei bawk se”

Fund performance hrim hrim kan compare dawn a nih chuan ni e, NAV or CAGR dik tak atang chhut kha a dik chiah.

Mahse, overall-a MFs vs ULIPs emaw, ULIP policy leh policy emaw pawh compare dawn chuan growth rate inang hman ngei ngei turah ka ngai. An tih thin dan tlanpui pawh a niin ka hria.

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By: lahratla

lahratla — Sun, 02 Aug 2009 17:33:00 +0000

Kan lo belh ve lawk ang e.

Cost zawng zawngah chuan Fund Management Charge (FMC) hian nakina kan neih theih zat tur a hril ber a. Costs/charges ngawr ngawr kan consider a nih chuan MF emaw ULIPs emaw pawh nise, FMC (recurring charges) tlem apiang a hlawk. Sawi takah chuan, ULIPs ah hian MFs te aia FMC tlemna zawk a awm teuh a, chuvangin LONG TERM-ah chuan MFs ai hian he recurring expenses avang ringawt pawh hian policy a zirin ULIPs hi a hlawk thei zawk a ni.

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