ULIP vs Mutual Fund + Term Insurance

August 4th, 2009 4:25 pm by lahratla

Unit-linked Insurance Plans (ULIPs) chu investment tih paha protection (insurance cover) nei tel duh tan a tha zawk.

Mutual Funds (MFs) chu investment ngawr ngawr duh tan a tha zawk.

A senso (cost/charges) lam
ULIPs

Fund Mang Charge = 0.80 to 1.75%
Admin charge = Rs.240 to 720 per annum
Allocation charges = 20 to 60% first year,

5 t0 1% from second year

MFs
Loading / Entry Charges = 2.25%
Fund Management Charge = 2.50%

ULIPs chu investment leh insurance inkawp kan ti a, MFs chu investment hlang chuah a nih avangin tan bik nei lo leh fair taka compare dawn chuan MFs kan tih hian, Term insurance (Pure Insurance) policy kan la tel anga chhut a ngai. Tin, personal finance huangah chuan investments hrang hrang bakah life insurance hi lak tel ngei ngei tura ngaih a ni. Term insurance kan tih chu a policy term chhunga kan boral palh a nih chuan insurance lak tur awm, dam chuan engmah hmuh let leh tur awm lo, insurance neih man tlawm ber chi an tih ang hi a ni.

Tunah a senso ngaihtuah chungin Mizorama investment atana kan hman lar em em, ULIPs leh MFs with Term Insurance chu chi thumin lo khaikhin dawn ta ila.

Mutual Funds ho hi chu SEBI-in a senso lak theih zat ah bithliah fel tak a neih avangin a inang deuh vek a; chuvangin scheme thlan bik awm chuang loin a chunga kan tarlan senso bithliah felsate khi kan hmang tawp ang.

A senso ngawr ngawr atanga khawi hi nge tha zawk, tih hriat tum kan nih avangin kum tina a punna hi Growth Rate inang, 20% CAGR zela chhut a ni.

Illustration 1: MFs vs. Birla Sunlife Insurance ClassicLife Premier Regular Premium (CLP)
Kum tina pek tur zat (Annual Premium) – Rs 100,000/-
A rei zawng – Kum 20
Pawisa dah zat – Rs 20,00,000 (Rs 100,000x20yrs)
Pawisa dahtu kum zat – Mipa kum 35 mi

MF-a Senso ngai turte:
Entry Load – 2.25%
Kum 20 chhunga Entry Load – Rs 45,000/-
Recurring Expenses – 2.50%
Kum 20 chhunga Recurring Expenses – Rs 18,99,491.40

Exit Load – Nil

Term Insurance: Birla Sun Life Term Insurance (RP)
Insurance lak nana senso ngai:

Insurance/Sum Assured (SA) zat – Rs 500,000/-
Kum tina thawh ngai zat – Rs 2,101/-
Kum 20 chhunga thawt zat tur – Rs 42,020/-

Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 19,86,511.40/-

CLP-a Senso ngai turte:
Allocation Charge:

Kum 1-naah – 13%
Kum 2-na leh kum 3-naah – 4%
Kum 4-na atangin – 2%

Total Allocation Charges – Rs 55,000/-
Policy Admin. Charge (PAC):
Kum 1-3 ah – Rs 2720/-
Kum 4-na atangin – Rs 720/-
Total PAC – Rs 20,400/-

Fund Management Charge (FMC) – 1.75% (Fund option thlan a zirin hei ai hian a hniam thei)

Total FMC – Rs 13,85,520.20/-
Mortality Charge – Sum At Risk atangin Sang bi zelah 1.363
Total Mortality Charges – Rs 1085.10/-
Insurance ken tel zat (SA) – Rs 500,000/-

Senso zawng zawng (AC + PAC + FMC + MC) – Rs 14,62,005.30/-

Observation:

MF:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including mortality charges) – Rs 1,48,69,440.80

CLP:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including cost of insurance) – Rs 1,60,92,412.00

Kum 9-na atangin CLP hian MF hi a khum tan a. Kum 20 hnuah chuan CLP a sum tlingkhawm hi MF aiin Rs 12,22,971.20/- zetin a tam zawk.

Chiang zawka i hriat duh chuan illustrations chhutna he Excel spreadsheet hi download rawh: Comparison between ULIP and Mutual Fund plus Term Insurance

Illustration 2: MFs vs. Bajaj Allianz Life Insurance UnitGain Plus Gold RP (UGPG)
Kum tina pek tur zat (Annual Premium) – Rs 100,000/-
A rei zawng – Kum 20
Pawisa dah zat – Rs 20,00,000 (Rs 100,000x20yrs)
Pawisa dahtu kum zat – Mipa kum 30 mi

MF-a Senso ngai turte:
Entry Load – 2.25%
Kum 20 chhunga Entry Load – Rs 45,000/-
Recurring Expenses – 2.50%
Kum 20 chhunga Recurring Expenses – Rs 18,99,491.40
Exit Load – Nil

Term Insurance: Bajaj Allianz Life Insurance New Risk Care II (RP)

Insurance lak nana senso ngai:
Insurance/Sum Assured (SA) zat – Rs 500,000/-
Kum tina thawh ngai zat – Rs 1,970/-
Kum 20 chhunga thawt zat tur – Rs 39,400/-

Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 19,83,891.40/-

UGPG-a Senso ngai turte:
Allocation Charge:
Kum 1-naah – 20%
Kum 2-5 ah – 6%
Kum 6-na atangin – 2%
Total Allocation Charges – Rs 74,000/-

Policy Admin. Charge (PAC):
Kum tin Rs 600, kum tin April ni 1 apianga 5%-a pung ziah tur

Total PAC – Rs 19,839.60/-
Fund Management Charge (FMC) – 1.75% (Fund option thlan a zirin hei ai hian a hniam thei)

Total FMC – Rs 13,61,499.10/-
Mortality Charge – Sum At Risk atangin Sang bi zelah 1.74
Total Mortality Charges – Rs 870/-
Insurance ken tel zat (SA) – Rs 500,000/-

Senso zawng zawng (AC + PAC + FMC + MC) – Rs 14,56,208.70/-

Observation:

MF:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including cost of insurance) – Rs 1,48,69,571.80

UGPG:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including mortality charges) – Rs 1,58,28,383/-

Kum 12-na atangin UGPG hian MF hi a khum tan a. Kum 20 hnuah chuan UGPG a sum tlingkhawm hi MF aiin Rs 9,58,811.60/- zetin a tam zawk.

Chiang zawka i hriat duh chuan illustrations chhutna he Excel spreadsheet hi download rawh: Comparison between ULIP and Mutual Fund plus Term Insurance

Illustration 3: MFs vs. Bajaj Allianz Life Insurance New UnitGain Plus SP (NUGP SP)
Tum khata (vawi 1 chiah) pek tur zat – Rs 500,000/-

A rei zawng – Kum 20
Pawisa dahtu kum zat – Mipa kum 30 mi

MF-a Senso ngai turte:
Entry Load – 2.25%
Entry Load zat – Rs 11,250/-
Recurring Expenses – 2.50%
Kum 20 chhunga Recurring Expenses – Rs 15,88,839.90/-
Exit Load – Nil

Term Insurance: Bajaj Allianz Life Insurance New Risk Care II (SP)

Insurance lak nana senso ngai:

Insurance/Sum Assured (SA) zat – Rs 625,000/-
Tum khata pek tur zat – Rs 18,386/-

Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 16,18,475.90/-

NUGP SP-a Senso ngai turte:
Allocation Charge:

Tum khatah – 2%
Total Allocation Charge – Rs 10,000/-

Policy Admin. Charge:
Kum tin Rs 600, kum tin April ni 1 apianga 5%-a pung ziah tur. A tir kum 5 chhung chiah lak tur.

Total PAC – Rs 3,315.40/-
Fund Management Charge (FMC) – 1.75% (Fund option thlan a zirin hei ai hian a hniam thei)

Total FMC – Rs 12,36,221.70/-
Insurance ken tel zat (SA) – Rs 625,000/-
Mortality Charge – Sum At Risk atangin Sang bi zelah 1.74
Total Mortality Charges – Rs 83.5/-

Senso zawng zawng (AC + PAC + FMC + MC) – Rs 12,49,620.60/-

Observation:
MF:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including cost of insurance) – Rs 1,48,69,571.80

NUGP SP:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including mortality charges) – Rs 1,12,92,861.60/-

A tir phat (kum 1-na) atangin NUGP SP hian MF hi a khum nghal a. Kum 20 hnuah chuan NUGP SP a sum tlingkhawm hi MF aiin Rs 18,37,941.80/- zetin a tam zawk.

Chiang zawka i hriat duh chuan illustrations chhutna he Excel spreadsheet hi download rawh: Comparison between ULIP and Mutual Fund plus Term Insurance

Khi’ng illustrations pathum atanga chiang ta chu senso zawng zawngah chuan Recurring Expenses (Fund Management Charge etc.) hian long-term a kan khawlkhawm theih zat tur a hril ber a, costs zawng zawng zingah chuan FMC hi a pawimawh ber kan ti thei ang. Tin, senso ngai zat ngawr ngawr atanga chhut chuan short to medium term (3 to 5 yrs.) atan chuan MFs hi a hlawk zawk a. Long term (usually from 9 yrs) atan chuan policy kan lak a zirin ULIPs a hlawk zawk tih chiang takin kan hre thei ta a ni.

Tin, ULIPs bikah hian ka sawi fo tawh thin angin insurance agents tam zawk chu an hotute thusawi ringawta innghat, an sawi ang ang sawi chhawng leh tawp, a punnna tur zat leh a pung tur zat pawh risk awm miah loh anga chhuah thei mai leh guarantee thawthang leh an commission thatna tur policy deuh chauh an prospects (potential customers) te offer thin an nih tlangpui avangin misseling a tam em em a, fimkhur erawh a tha hle.

121 Responses to “ULIP vs Mutual Fund + Term Insurance”

1
awzoram Says:
August 4th, 2009 at 4:48 pm
Admin Table form in han leh sak teh u, a en a buai thlak ka ti
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2
Lily_parmawia Says:
August 4th, 2009 at 6:13 pm
Mutual fund ah khian Entry load hi kumin tin an charge lo: One time 2.25% an charge. I premium 1,00,000/- anih chuan 2250 chiah a kum 1-na ah an charge ang. a hnu lam charge a omlo. (Entry load hi direct apply te leh online a lei te tan FREE)

Tin, Fund management charge khi as per SEBI, Max 1.25% ( you said 2.5%). 1250 per yr ; for 20 yrs = 25,000/-

Recurring expenses khi: 1,00,000 *2.5% = 2500
for 20 yrs = 50,000/- (Rs 18,99,491.40 heihi engtia chhutchhuak nge i nih a )

Chuan term insurance khi Rs.42,020/- sen ngailo khian, SBI Shield – Single Premium ah Rs.22,970 in a lei theih.

chuan MF kum 20 senso chu: recurring expenses + entry load(onetime) + term insurance premium + FMC = (50,000+2250+22,970 + 25000) = 1,00,220/-
(YOU SAID : 19,83,891.40/- ) Hairehai

Mortality charges ah khian kum 35 anni reng don tihna mi? (35-40=1.74), (40-50 = 2.82), (50-55 = 6.53)tiang tur hi a nilo maw.. chuan total chu 31965/-

MF:
Kum 20 hnua kan sum thawh zawng leh a pung tlingkhawm (Fund Value Net of all charges including mortality charges) – Rs 1,48,69,440.80 (Heihi tute performance nge?)

Kum 12-na atangin UGPG hian MF hi a khum tan a. Kum 20 hnuah chuan UGPG a sum tlingkhawm hi MF aiin Rs 9,58,811.60/- zetin a tam zawk.

Tute Performance nge i teh hi. Mutual Fund ringot hi india ram zau ah 300 chuang teh meuh an awm a sin.. an performance hi kum 5 chin ho ah a tlangpuiin top 10 chin chuan 30%p.a an pel vek equity diversified category ah( Here: https://www.mutualfundsindia.com/rankfund_rpt.asp )

ULIP performance top 10 chinah an average return chu 18%p.a vel ani (here: https://www.rediff.com/money/2008/jan/03ulip.htm )

Conclusion: Agent i nia ka hrethiam khawp mai che
Mahse Commission in hlep tlangpui hi kan dah lang ange.
“an agent who sells you a ULIP may get 25% of your
first year’s premium, 10% in the second year, 7.5%
in the third and fourth year and 5% thereafter” By Sameer Kamdar is Country Head, Mutual Funds, Mata Securities (Here: https://economictimes.indiatime.....ms?curpg=2 )

“But very long term investment, not even medium term. Insurance companies themselves admit, that if your investment horizon is anything less than 7 years, don’t even consider a ULIP. ” -By Vivek Law ((Editor, consumer affairs, CNBC TV18 and CNBC Awaaz) (Here: https://news.in.msn.com/columns.....d=1317898)
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3
Lily_parmawia Says:
August 4th, 2009 at 6:17 pm
A hmasa in Commission in hlep theih zat hi kan soi ange.. a tlangpui chiah
“an agent who sells you a ULIP may get 25% of your first year’s premium, 10% in the second year, 7.5% in the third and fourth year and 5% thereafter” By Sameer Kamdar is Country Head, Mutual Funds, Mata Securities ( https://economictimes.indiatime.....s?curpg=2)

But very long term investment, not even medium term. Insurance companies themselves admit, that if your investment horizon is anything less than 7 years, don’t even consider a ULIP. By Vivek Law (editor, consumer affairs, CNBC TV18 and CNBC Awaaz) ( Here: https://news.in.msn.com/columns.....d=1317898)
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4
Lily_parmawia Says:
August 4th, 2009 at 6:21 pm
A hmasa in in commission hlep theih zat tlangpui kan soi phot ange.. “an agent who sells you a ULIP may get 25% of your first year’s premium, 10% in the second year, 7.5% in the third and fourth year and 5% thereafter” By Sameer Kamdar is Country Head, Mutual Funds, Mata Securities (https://doiop.com/Sammer )

“But very long term investment, not even medium term. Insurance companies themselves admit, that if your investment horizon is anything less than 7 years, don’t even consider a ULIP” By Vivek Law , editor, consumer affairs, CNBC TV18 and CNBC Awaaz (https://doiop.com/Vivek)

Chuan a duh tan ULIP Vs Mutual Fund han google chhin teh u …
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5
Lily_parmawia Says:
August 4th, 2009 at 6:41 pm
Mutual Fund charges omzia pawh hi i man chiah lo a nih khi maww
Entry load hi one-time charge chiah a ni thin. I kumtin sum dah luh rs.1 lac anih chuan Rs.2250 chiah an charges ang. ahnu lamah Rs. 1 lacs pawh dah leh mahla charges a om tawh lo. Tin exit Load poh khi chutin a free ngawt lo. 6months-1 yr chhunga an withdraw chuan 1% of capital invested an deduct thin.

Fund Management Charge = 2.50% Heipawh i hre dik lo leh bok. MF ah max. charges as per SEBI is 1.25%.

Tin, I term insurance lei khi Rs.42,020/- a lei lo khian, SBI Shield – Single Premium ah One-time premium in Rs.Rs. 22,970 in kan lei thei. (Policy bazaar te anti hial thin, an charge a in an loh theih ltk avang hian. Nangni chuan in ei hnem ber-na kha in offers tlangpui)

Chuan MF senso zong2 i sawi Rs.(Entry Load + Recurring Expenses + Term Insurance) – Rs 19,86,511.40/- HEHI a dik lo chiang bon thengzz.. hahha

Kan chhut ve chhin ange… Entry load ah hian Rs.2250, recurring expenses ah hian 50,000/- (1,00,000 * 2.5% = 2500. chuan kum 20 atan = 50,000), term insurance premium ah khian Rs.22,970, fund management charges 1.5%p.a = total: 30,000(Heipawh i i chhut tello MF ah khan)
Chuan an senso zong2 tur: Rs.1,05,220/- chiah.. Hairehai.

Tin MF ah hian agent thru nilo, direct a an office-a invest emaw, online-a invest chuan entry load hi FREE.

Tin Khawi Mutual Fund te nge i rawn tehkhin ber khi????? MF i ti deuh tawpa, India ram zau-ah hian Mutual fund chi hrang 300+ teh meuh a om a sin. Tin 5 yrs term ah. equity diversified bikah phei chuan an top 10 ho hi 30%p.a aia tlem return an omlo. I duh chuan Mutualfundindia.com ah i en thei ang. or valueresearchonline.com ah.

ULIP hi an ti tha zual top 10 chin hian average in kum 3 term ah, 20%p.a hi an hmu pha meuh lo. I duh chuan google mai la. an url ka hre tohlo.

A risk hi a in ang chiah chiah. Engatinge risk in ang rau-ah pakhatin 30%p.a vel a return laia 20%p.a return kan thlan zawk tlat ang le..?? Agent nih pawh hian client te tan thawk tel thei thin ila a duhawm khawp mai.

ka lawm e.
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6
mzvision Says:
August 4th, 2009 at 7:45 pm
A sawi hnuhnung hnung sawi hi awih phot te’ng Lily still the winner lalhratla reh hmak la han in zir leh deuh le counter attack i bei dawn nia, tunah chuan lily a inti chetha rih tlats.

Han rammu vang vang teh ULIP leh MF tih vel ah chuan
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7
lahratla Says:
August 4th, 2009 at 7:52 pm
Regular ( or SIP) taka kum tin Rs Nuai 1 kan dah ziah chuan kum tina kan dah apiang kha new investment anga treat a nih avangin entry load hi charge ziah a ni thin.

Exit Load kha a free ngawt lo tih pawh ka hria. Mahse, thla 6 hnu emaw leka la chhuak tur kan ni lo a, kan thil chhut hi kum 20 tinzawn kan nih avangin kum 20 hnuah chuan exit load a awm lo ang.

Fund Management Charge ka tih hian chiang taka ka tarlan angin Recurring expenses hrang hrang (FMC tiamin) atan SEBI-in maximum limit a fixed i.e. 2.50% hi hmang ka ni.

Illustration 1 & 2 khi regular taka kum tin Rs Nuai 1 kum 20 chhung pek zela chhut a ni a. Chutiang chiah chuan Term Insurance lak nan pawh regular premium hmang ka ni.

Illustration 3 erawh one time investment or single premium a nih avangin term insurance lakna atan pawh single premium vek hmang ka ni.

Direct-a AMC-a invest hian entry load a awm lo tih chu tlang hriat a ni. Mahse, Mizoram chhunga cheng tan a applicable chiah em?
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8
lahratla Says:
August 4th, 2009 at 7:54 pm
“Tin Khawi Mutual Fund te nge i rawn tehkhin ber khi????? MF i ti deuh tawpa, India ram zau-ah hian Mutual fund chi hrang 300+ teh meuh a om a sin. Tin 5 yrs term ah. equity diversified bikah phei chuan an top 10 ho hi 30%p.a aia tlem return an omlo. I duh chuan Mutualfundindia.com ah i en thei ang. or valueresearchonline.com ah.”

A tir lamah tih hian a inziah khi:

Mutual Funds ho hi chu SEBI-in a senso lak theih zat ah bithliah fel tak a neih avangin a inang deuh vek a; chuvangin scheme thlan bik awm chuang loin a chunga kan tarlan senso bithliah felsate khi kan hmang tawp ang.
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9
lahratla Says:
August 4th, 2009 at 7:56 pm
“ULIP hi an ti tha zual top 10 chin hian average in kum 3 term ah, 20%p.a hi an hmu pha meuh lo. I duh chuan google mai la. an url ka hre tohlo.”

He comment DIK LOH ZIA hi ‘ta tang hian han hre teh le:

https://www.bajajcapital.com/in.....report.php
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10
lahratla Says:
August 4th, 2009 at 7:59 pm
Fund Management Charge ka tih hian chiang taka ka tarlan angin Recurring expenses hrang hrang (FMC tiamin) atan SEBI-in maximum limit a fixed i.e. 2.50% hi hmang ka ni. Chuvangin, a hranpaa Recurring Expenses dang zawng zawng leh FMC a hranga chhut kher a ngai lo tih chu a hre tur ber zinga mi i nih ka ring. FMC a hranga ka chhut lehzelte chuan a expenses a tam ting mai dawn a sin.
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11
lahratla Says:
August 4th, 2009 at 8:00 pm
Tin, Mutual Funds zawng zawngah hian Entry Load hi an la kher lo.
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12
XaiA Says:
August 4th, 2009 at 8:00 pm
Ngaihnawm leh tan e…
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13
lahratla Says:
August 4th, 2009 at 8:04 pm
Term Insurance kha chu a tlawm tlawm lak mai tur a ni reng a ni.
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14
Lily_parmawia Says:
August 4th, 2009 at 8:09 pm
He comment DIK LOH ZIA hi ‘ta tang hian han hre teh le:
3 months return anih kha.. I said within 3 yrss… yaar

3 months return kha CAGR in han chhut chhin teh>
CAGR= compounded annual growth rate..

tin, FMC leh recurring expenses hi thil hrang ani.. lo belhbom ve ngot chi aanilo.
FMC = Fund management charge (expenses poh anti tho)
recurring expenses hi lam tawi mai ani. AMC: assets management company in ahranga anlo charge veleh ani. Board of director, fund managers salary atan. hrethiams.

CAGR mawlh khi han chhut chhin teh..
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15
lahratla Says:
August 4th, 2009 at 8:11 pm
“He comment DIK LOH ZIA hi ‘ta tang hian han hre teh le:
3 months return anih kha.. I said within 3 yrss… yaar”

5 yrs thleng chu an dah ve kha ma le. I hmu kim lo lui a nih ngawt loh chuan.
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16
lahratla Says:
August 4th, 2009 at 8:12 pm
“FMC leh recurring expenses hi thil hrang ani.” pawh ti mahla, belhkhawm khan 2.50% bak a pel thiang chuang lo. Dah mai a.
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17
lahratla Says:
August 4th, 2009 at 8:13 pm
A Table hnuaiah pawh “*Returns upto 1 yr are absolute and over 1 yr are CAGR” a intih vah kha
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18
Lily_parmawia Says:
August 4th, 2009 at 8:22 pm
FMC & Recurring expense chu hei lo en teh.. i tang na ve angreng bok sia.. hahahha
https://www.personalfn.com/deta.....mp;story=2
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19
XaiA Says:
August 4th, 2009 at 8:24 pm
Thu thluk na ka la siam mai thei lo kei chu…
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20
Lily_parmawia Says:
August 4th, 2009 at 8:26 pm
3 months ah khan 56.02 niin ka hria…
CAGR chuan han chhut la a chiang mai alom.. inhnial vak2 ai chuan Thianpa.
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21
Lily_parmawia Says:
August 4th, 2009 at 8:26 pm
Pu Xaia check.. i ham fair lo.. tikhan lo soi lawk suh
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22
Lily_parmawia Says:
August 4th, 2009 at 8:29 pm
“ULIP hi an ti tha zual top 10 chin hian average in kum 3 term ah” top 10 chin ho kha han la khawm la.. an average return han chhut chhin teh.. Birla chiah nilo..
A chhan chu tu nge ti tha ber don.. tih kha a hriat lawk si loh.. a ti tha ho average kha a fuh ber lo maw.. hihiihihi
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23
lahratla Says:
August 4th, 2009 at 8:29 pm
Kan tan natna khian dikna a keng miau sia ni. Tuna link i rawn pholanah pawh khian Total Recurring Expenses zingah FMC of 1.25 chu a tel tho khi. Tichuan, 1.25% FMC leh a dang zawng i.e 1.25% belkhawm chu 2.50% maximum a ni.
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24
lahratla Says:
August 4th, 2009 at 8:31 pm
Recurring Expenses dang zawng belhkhawm 1.25% leh FMC 1.25% hi a hrangin column hrangah chhut ve vepawh ni ila, a chhuakzat chu a inang tho tho dawn sia. I khawlhkham em mai a
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25
Lily_parmawia Says:
August 4th, 2009 at 8:34 pm
Ui… kan in hnial dang don lo.. hahthlaks.. hahhah
Ka bang.. Pu Xaia lawmman i sem thei

Tunge chief quest ah ni ang? pu mzvision aww…
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26
mzvision Says:
August 4th, 2009 at 8:36 pm
ULIP nge turu MF dummy investment ti ve ve ula NAV misualah hian kal zet zetin tilang seng, tunge rintlak kan hre mai ang Dummy ani bawka Rs 10 Cr ve ve ka pe ang cheu chu
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27
lahratla Says:
August 4th, 2009 at 8:37 pm
Birla Sunlife Insurance ClassicLife Premier khi Outlook Money-in Ulip Type-1 zingah a cost tlem bera a tarlan a nih avangin ka hmang mai a ni. Tin, Bajaj Allianz Life ho policy khi chu Unit Gain Plus Gold kha ULIPS vrs Mutual Fund hleih nei taka i compare-naah khan i hman avangin hmang ve mai ka ni. An tha ber e ka tih vanga hmang ka ni hran lo.
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28
mzvision Says:
August 4th, 2009 at 8:38 pm
Chief Guest nih phin Dummy invest tur Rs 10 Cr ve ve ka pe ang che u, in talent in tipung dawn nia a ti pung tlem zawk zawk chu – pawnha kan paih chhuak ang che u misual ah kan block hmaks ang chuuu

Fiamthu
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29
lahratla Says:
August 4th, 2009 at 8:45 pm
heheh
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30
Ditto Says:
August 4th, 2009 at 8:48 pm
Mutual fund hi a thra tlat in ka hre ve, Aizawl dak In pui ah khan brochure ang reng kha ka la chhuak ve a , a tak tak ram chu ka thleng lem hlei lo a, Mahse MF hi a thra don riau tlem te chu invest ve keuh ila a thra ang.

Aizawl dak In a mi khi lei don ila entry load a awm ang em … a hria hria in min chhang teh u
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31
lahratla Says:
August 4th, 2009 at 8:53 pm
@Ditto: I scheme thlan a zirin, aw, a awm ang. (Post Office hi) MF agent/advisor pakhat ve mai an nia.
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32
lahratla Says:
August 4th, 2009 at 8:56 pm
Agent tih loh paw’n retailer te ti ila, a dik zawk mah ang chu.
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33
VaiVa Says:
August 4th, 2009 at 11:37 pm
Kan fin phah leh ta sawt mai le…. mah se Lily a nge dik lahratla hi kei ka la chiang chuang miah lo nia
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34
BornSpektator Says:
August 4th, 2009 at 11:48 pm
Hmanni khan entry charge hi an ti tawp lo mo !! Mf ah hian !
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35
BornSpektator Says:
August 4th, 2009 at 11:48 pm
Hmanni khan entry charge hi an ti tawp lo mo !! Mf ah hian!
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36
BornSpektator Says:
August 5th, 2009 at 12:12 am
darkar 7 hnu vela comment lang ve coh chu, hma son ava har ve !!
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37
Lily_parmawia Says:
August 5th, 2009 at 12:54 am
Vaiva.. i hriat thiam loh manah pakhat.. eeh
lahratla khian Mutual Fund ah khian Rs.19,86,511.40/- a chawi tir hmiah mai a ni.
A sawi ber khi in blind deuh mai thei. Fund management charge khi 1.25% ania. khimi khi amah zok hian recurring expenses ah a tel nghal atia.. chuti anih phei chuan Ka chhut chhuah tur khi Rs.1,05,220/ ni lovin …. Rs. 30,000 in a kiam leh dawn ani.. Chuan Rs.75,220 (105220-30000) a ni tawh ang.

Kan chawitir in thlauh na Rs.19,11,291/- Hairehai.
Tu chawi tir tlem tlem ti chiah ila…hahhaha
MF ah hi chuan i denzar don riau hratte..
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38
muantea Says:
August 5th, 2009 at 1:15 am
Lo inrawlh ve teh ang! Ka ban phak ve tawk SBI-ah hian MF ah 1 lakh 10 years atan invest dawn ta ila,engzatnge after 10 years ah chuan ni thei ang? Ka chhut thiam lo, min hrilh tam poh leh ka bo thui dawn a, a tawpa answer ziak tawp hi ka hrethiam ber:) Pu lily or lahratla khan min han hrilhfiah teh u aaa..pls
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39
Lily_parmawia Says:
August 5th, 2009 at 1:25 am
Pu Muantea
I risk ngam dan te, I situation a zir te aniang chu..
situation means: i salary, dependent, service yrs, insurance etc.. chuti ngota han in advaai top chi ah ka ruat lo kei chuan. I risk appetite te hriat ve phot loh chuan.. va invest na tur hi thlan tur hi an tam khopa, fund chi hrang 300 chuang teh meuh a om a.. chuan i dinhmun leh nangma ngam dan tok a zir khan dahna tur te te a om ve leh thin. a return tha ber2 te hi a risk sang ber2 anni tlat bok si.. Caribou kha lo zot la.. min ron contact mai don nia mail ah.. Caribou zohna poh ka la rply hman lo..
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40
muantea Says:
August 5th, 2009 at 1:45 am
Thanks lily!! hriat lohna zawnah hi chuan sipai santiri pawh ka tluk lo!!!
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41
ZerO Says:
August 5th, 2009 at 6:37 am
@muantea, kei chuan ‘Thanks!’ ka ti thei lo ang. pu Lily hian i zawhna a chhang tlat lo a.
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42
lahratla Says:
August 5th, 2009 at 6:43 am
FMC hi recurring expenses pakhat a ni lo emaw lo tih talh emaw, recurring expenses FMC tiama 2.50% kan chhut chhuah hnua 2.50% atanga FMC bik 1.25% lo lak hran talh a, a pahniha lo deduct tum talh te chu a, i hre khirh ve hrim hrim. ‘Tite chuan i client te i chawitir belh awn awn mai dawn a sin
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43
lahratla Says:
August 5th, 2009 at 6:45 am
“Recurring expenses

These are the expenses incurred of running a fund. These involve a broad array of expenses like fund management fee or fund management charge of 1.25%, expenses for running and maintaining a mutual fund, selling and promotion expenses. All these fall under a single basket called ‘expense ratio or annual recurring expenses’. The maximum recurring expenses that an equity fund can charge is 2.5% of the average daily net assets.”
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44
lahratla Says:
August 5th, 2009 at 6:47 am
MF atanga Recurring expenses kum tina an deduct thin dan i lo la hre tawk lo a nih chuan back to school a ni mai
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45
lahratla Says:
August 5th, 2009 at 6:50 am
@Lily_parmawia: Costs chhut dan vel chu i la bo ve haih haih hle mai maw. Back to school…
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46
lahratla Says:
August 5th, 2009 at 6:54 am
@Pu Muantea: Pu Lily-a chhanna che khi a dik a nia. Khi’ng zawng zawng bakah i investment objective te pawh hre hmasak phawt a tul ang. Tin, nangma risk appetite chu thuhran, kum 10 chu long-term ve tawk tak a ni bawk a; chuvangin a tir lamah chuan equity lampang awn nasa mahla a sual lo ang. Kum 10 hnaih dawn lamah debt lamah i insuan tam tial tial ang a.
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47
lahratla Says:
August 5th, 2009 at 6:59 am
Costs chungchangah chuan ULIPs tan pawh MFs tan pawh chhut dan dang emaw chhut tlem talh dan dang a awm chuang lo. Mi zawng zawng Pu Lily of thr valley tiam lovina an chhut thin dan a ni e.

Entry load awm lo chi MF emaw, ULIP policy dang emaw, Term Insurance dan emaw kan hmang chuan tlem chuan a danglam thei deuh ang a, mahse it will be more or less the same tho tho ang. Tin, costs zawng zawngah chuan recurring expenses (incl. FMC) hi khua reia kan pawisa neih theih zat tur tam leh tam loh hrilhtu pawimawh ber ka tih tawh kha.
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48
caribou Says:
August 5th, 2009 at 7:09 am
Buaithlak thin hle mai a. A thiam pahnih te hi in inhnial chiam zel bawk si a. Sawi tur ka van kher mai.
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49
lahratla Says:
August 5th, 2009 at 7:45 am
@muantea: ‘Tiang hian ka’n chhang chhin dawn te’ng che:

Kum 10 chhung atan a tirah vawi khat chiah Rs 1 lakh dah ta ila i tiin ka hria a. MFs leh ULIPs scheme hrang hrangte leh SBI MFs ho past performance atanga chhut lovoin, Tehfung Benchmark atana an hman ber (Scheme/fund option a zirin a danglam thei) BSE Sensex atangin lo chhut dawn ta ila. March 31, 2009 thlenga a rolling returns Excel-a ka chhutchhuahna ka tihbo avangin March 31, 1979 atanga March 31, 2008 inkara 10 yrs rolling return kan hmang ang. Hemi period chhung hian kum 10 term-a dah theihna tum 20 a awm a. He tum 20-ah hin tum 1 chiah loss tum a awm. I loss theihna chance (probability of loss chu 5%) a nih tak chu. Tin, tum 20-a chawhrual zela a pung that ber tum kum 10-ah chuan chuan kum tin 35% a ni a, a pung chhiat ber tum or loss tum chuan -2% a ni. Tichuan average 10 yrs return chu 18% a nih tak chu.

Tichuan a chunga costs te khi kan hmang leh ang, kum 10 hnua lo chhuak tur chu:

1. Entry Load 2.25% awm chi MF:

Investment – Rs 100,000
Entry load – Rs 2250
Recurring Expenses – Rs 8630.50
Fund Value after 10 yrs. – Rs 397,176.0

2. Entry Load awm lo chi MF:
Investment – Rs 100,000
Entry load – Nil
Recurring Expenses – Rs 9,142.20
Fund Value after 10 yrs. – Rs 406,318.20

Load awm leh awm lo inthlauhna Rs 37,146.20

3. ULIP-ah chhut ve hrim hrim te’ng: Vawi khat chiah dah tur kan ni bawk a, Illustration 3 a mi UGPG (Single Premium) khi hmang mai ang.

Single Premium – Rs 100,000
Allocation Charge 2% – Rs 2,000
Policy Admin. Charge – Rs 3,315.40
Fund. Manag. Charge 1.75% – Rs 7,234.90
Fund Value after 10 yrs. – Rs 487,403.33

MF with Entry Load nena inthlauhna Rs 90,227.33
MF without Entry Load nena inthlauhna Rs 81,085.13

Chuvangin, kum 10 chinah chuan ULIP lak a fuh zawk zel ang.
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50
lahratla Says:
August 5th, 2009 at 7:47 am
@muantea: A chunga mi khi 18% compounded in a nia aw ka chhut
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51
lahratla Says:
August 5th, 2009 at 8:39 am
Tihdikna:

Costs chungchangah Excel sheet-a ka chhutchhuah kha in lo download chuan a MF Recurring Expenses leh ULIP FMC column tawpah Total ka dah zel a, recurring a nih avangin total hranpa ngai tawh lovin a chunga mi 20 yrs- cell a mi zawk zel tur kha a ni e. Hetiang hian:

Illustration 1: MFs vs. Birla Sunlife Insurance ClassicLife Premier Regular Premium (CLP)

MF-a Senso ngai turte:
Kum 20 chhunga Recurring Expenses – Rs 317,768/-
Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 4,04,788/-

CLP-a Senso ngai turte:
Fund Management Charge (FMC) – 1.75
Total FMC – Rs 2,38,873.90/-
Senso zawng zawng (AC + PAC + FMC + MC) – Rs 3,15,359/-

Illustration 2: MFs vs. Bajaj Allianz Life Insurance UnitGain Plus Gold RP (UGPG)

MF-a Senso ngai turte:
Recurring Expenses – 2.50%
Kum 20 chhunga Recurring Expenses – Rs 3,17,768/-
Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 4,02,168/-

UGPG-a Senso ngai turte:
Fund Management Charge (FMC) – 1.75
Total FMC – Rs 234969.10/-
Senso zawng zawng (AC + PAC + FMC + MC) – Rs 3,29,678.70/-

Illustration 3: MFs vs. Bajaj Allianz Life Insurance New UnitGain Plus SP (NUGP SP)

MF-a Senso ngai turte:
Recurring Expenses – 2.50%
Kum 20 chhunga Recurring Expenses – Rs 2,41,300.50/-
Senso zawng zawng (Entry Load + Recurring Expenses + Term Insurance) – Rs 2,70,936.50/-

NUGP SP-a Senso ngai turte:
Fund Management Charge (FMC) – 1.75
Total FMC – Rs 1,94,901.70/-
Senso zawng zawng (AC + PAC + FMC + MC) – Rs 2,08,300.60/-

A punna zat leh a pung tur zat te, a fund value te kha erawh engmah a danglam chuang lo.
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52
awzoram Says:
August 5th, 2009 at 10:08 am
ULIP hi nge Mutual Fund hi to zawk? ULIP company hi tu ta ber nge? Mutual Fund hi Bank em ni? in thusawi ah hian driver saptawng a tam lutuk (braket ah mizo tawnga tihfiahna dah nise) sipai bo kan bang mai dawn, a basic han sawi tel ula kan zawm ve theih nan che u in
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53
lahratla Says:
August 5th, 2009 at 10:29 am
@awzoram:

Short to medium term-ah chuan Mutual Fund a tlawm zawk. Long term-ah chuan policy a zirin ULIP a tlawm zawk.

ULIP hi chu insurance company-te “ta” a ni a. Mutual Fund hi bank a ni lo a; Asset Management Company (AMC)te “ta” a ni e.
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54
zopatriot Says:
August 5th, 2009 at 10:43 am
Kei chu Lily Parmawia Term Insurance + Mutual fund hi ka tha ka la ti zawk tho mai….
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55
caribou Says:
August 5th, 2009 at 11:12 am
MF ah SIP in thlatin 1000 zelin dah ta ila, equity lam pang duh ta ila, dah hun chhung atan kum 15 ni ta se. SBI hian entry load 2.5 % an hauh tlats. Ka entry chu 1000 chauh ani a, heta tang hian em ni chhut tur ni ta ang? Single premium leh SIP hi a danglamna a nasa viau em? Risk kan sawi fova, engtin nge MF ah hian lost kan neih theih dan? ULIP ah hian life cover leh life cover loh hi a inthlau viau em, kum 10 lek invest tan hian?
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56
caribou Says:
August 5th, 2009 at 11:13 am
SBI chauh chhim lam tan a awm, MF ah chuan.
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57
lahratla Says:
August 5th, 2009 at 11:52 am
@caribou:
Ka sawi tawh angin i invest apiang kha new investment anga treat a nih miau avangin entryl 2.5% a nih chuan Rs 1000-ah khan 2.5% (Rs 25) zel an cut dawn (Rs 975) tihna a nih chu.

‘Tiang zawng pawh hian a sawi theih. An charge dan tak chu i invest apianga NAV ah khan 2.5% an belh zel dawn tihna a ni e.

One time payment ang chu bullish market-ah a tha. Awmzia chu lost or negative a awm miah lohin Bank FD ang hian pung ta ang char char se) a tha thei. Mahse chu chu stock market-ah chuan bullish takin market a awm char char ngai bawk si lo. Chuvangin, long term-ah chuan hma thei ang ber leh regular taka tlem tlem lo dah keuh keuh khan Rupee Cost Averaging an tih a awm thei a. A hlawk zawk theih dan a awm a ni.

Rupee Cost Averaging in mawlmang deuha hrilhfiah tum dawn ila. Sawhthing zuarin i sumdawng a. I capital chu Rs 10000 a ni. A thla 1-naah (one time investment) kg 1 Rs 10 (NAV) zelin la ta la, kg 1000 peipun tur i nei dawn tihna. Tichuan 6 ruk hnuah Rs 15-in (50% return) i hralh zo ta vek a. I hlep leh i capital belhkhawm chu Rs 15,000 (Fund Value) i nei dawn tihna a ni.

Tum khata i capital zawng zawnga la nghal vek lovin (SIP) thla-a naah kg 1 Rs 10 (NAV) hisapin Rs 2000 man 200kg i la a, a thla hnih naah sawthing man Rs 8/kg ah a tlahniam a. Tichuan Rs 8/kg hisap Rs 2000 man 250kg i la a. A thla 3-na Rs 10/kg lo ni leh tawhin Rs 2000 man 200kg i la leh a. A thla 4-naah phei chuan 12.50/kg no chhoin Rs 2000 man tho 160 kg i la leh a. A thla 5-na ah Rs 7/kg-ah tla hniam lehin Rs 2000 man tho 285.7kg vel i la leh a. Tichuan thla 6 hnuah chuan Rs 10000-a i lei zawng zawng chu 1,095.72kg a lo ni ta a. Hei hi Rs 15/kg hisapa i tihral chuan i hlep leh i capital belhkhawm chu Rs 16,436/- (Fund Value) i nei dawn tihna a ni.

‘Tiang deuh chiah hi a ni mai SIP that zawk theih dan chu.
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58
lahratla Says:
August 5th, 2009 at 12:17 pm
Tichuan 1kg zel i lakna (average cost price) chu Rs 9.5 a nih tak chu.
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59
lahratla Says:
August 5th, 2009 at 12:29 pm
Risk tehdan hrang hrang chu a awm thei. Beta, Alpha, Standard Deviation, Sharpe Ratio tih te. Risk-adjusted return leh past performance atanga probability of loss angte pawhin.
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60
caribou Says:
August 5th, 2009 at 12:29 pm
Thank you, lahratla.
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61
caribou Says:
August 5th, 2009 at 12:50 pm
Dakin ah recurring deposit in 7.5% zela pawisa ka lo khawl thin te kha aw…. Lily leh Lahratla te in ngawi rei lutuk a, khang kum te kha ka ui mang e.
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62
awzoram Says:
August 5th, 2009 at 12:59 pm
lalhratla ka lawm lutuk ULIP hi insuarance company ta ania Mutual Fund hi chu AMC ta, AMC hi engzat nge awm India ah? Bank lem ang hian a lem an awm ve thei em.

Natinalised Bank te kan tia, a lem hi Insurance Co te pawh hi an lo awm thei ange, tunlai hian mi bum thiam tak an tam sia. Chuan eng Bank/AMC/LIC a thawk nge i nih reng reng nang leh Lilyparmawia hi in hriat ril hmel riau maia?
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63
caribou Says:
August 5th, 2009 at 1:29 pm
Pi Remsiami bank ah sweeper hna an thawk dun a ni awm e.
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64
lahratla Says:
August 5th, 2009 at 1:38 pm
A hnuai mi te hi Association of Mutual Funds in India (AMFI)member-te an ni e (A mawl zawngin a lem ni lo):

A. Bank Sponsored
1. Joint Ventures – Predominantly Indian
- Canara Robeco Asset Management Company Limited
- SBI Funds Management Private Limited

2. Others
- UTI Asset Management Company Ltd

B. Institutions
- LIC Mutual Fund Asset Management Company Limited
C. Private Sector
1. Indian
- Benchmark Asset Management Company Pvt. Ltd.
- DBS Cholamandalam Asset Management Ltd.
- Deutsche Asset Management (India) Pvt. Ltd.
- Edelweiss Asset Management Limited – Escorts Asset Management Limited
- IDFC Asset Management Company Private Limited
- JM Financial Asset Management Private Limited
- Kotak Mahindra Asset Management Company Limited (KMAMCL) – Quantum Asset Management Co. Private Ltd.
- Reliance Capital Asset Management Ltd.
- Religare Asset Management Company Ltd.
- Sahara Asset Management Company Private Limited
- Tata Asset Management Limited
- Taurus Asset Management Company Limited

2. Foreign
- AIG Global Asset Management Company (India) Pvt. Ltd.
- FIL Fund Management Private Limited
- Fortis Investment Management (India) Pvt. Ltd.
- Franklin Templeton Asset Management (India) Private Limited
- Goldman Sachs Asset Management (India) Private Limited
- Mirae Asset Global Investments (India) Pvt. Ltd.

3. Joint Ventures – Predominantly Indian
- Birla Sun Life Asset Management Company Limited
- DSP BlackRock Investment Managers Private Limited
- HDFC Asset Management Company Limited
- ICICI Prudential Asset Mgmt.Company Limited
- Religare AEGON Asset Management Company Pvt. Ltd.
- Sundaram BNP Paribas Asset Management Company Limited

4. Joint Ventures – Predominantly Foreign
- Baroda Pioneer Asset Management Company Limited
- Bharti AXA Investment Managers Private Limited
- HSBC Asset Management (India) Private Ltd.
- ING Investment Management (India) Pvt. Ltd.
- JPMorgan Asset Management India Pvt. Ltd.
- Morgan Stanley Investment Management Pvt.Ltd.
- Principal Pnb Asset Management Co. Pvt. Ltd.
- Shinsei Asset Management (India) Pvt. Ltd.
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65
lahratla Says:
August 5th, 2009 at 1:52 pm
A hnuaia mi te hi Insurance Regulatory and Development Authority, IRDA (Insurance lam atana RBI ang) registration nei Life Insurers (life insurance company)te (A mawl zawngin a lem ni lo) an ni e:

1. Bajaj Allianz Life Insurance Company Limited .
2. Birla Sun Life Insurance Co. Ltd
3. HDFC Standard Life Insurance Co. Ltd
4. ICICI Prudential Life Insurance Co. Ltd
5. ING Vysya Life Insurance Company Ltd.
6. Life Insurance Corporation of India (LIC)
7. Max New York Life Insurance Co. Ltd
8. Met Life India Insurance Company Ltd.
9. Kotak Mahindra Old Mutual Life Insurance Limited
10. SBI Life Insurance Co. Ltd
11. Tata AIG Life Insurance Company Limited
12. Reliance Life Insurance Company Limited.
13. Aviva Life Insurance Company India Limited
14. Sahara India Life Insurance Co, Ltd.
15. Shriram Life Insurance Co, Ltd.
16. Bharti AXA Life Insurance Company Ltd.
17. Future Generali India Life Insurance Company Limited
18. IDBI Fortis Life Insurance Company Ltd.,
19. Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd.
20. AEGON Religare Life Insurance Company Limited.
21. DLF Pramerica Life Insurance Co. Ltd.
22. Star Union Dai-ichi Life
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66
lahratla Says:
August 5th, 2009 at 1:54 pm
@caribou: I va han hre dik teh lul em!
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67
Lily_parmawia Says:
August 5th, 2009 at 2:18 pm
Ngoih tum pawn a kawlhrawng tlat.. vai ho kan hnial tir ange.. tra la la laa..

valueresearch : https://www.rediff.com/money/2005/oct/15perfin.htm

“But very long term investment, not even medium term. Insurance companies themselves admit, that if your investment horizon is anything less than 7 years, don’t even consider a ULIP” Vivek Law.. (editor, consumer affairs, CNBC TV18 and CNBC Awaaz)
https://news.in.msn.com/columns.....id=1317898

One-time loads:
The question arises as to what happens in a Systematic Investment Plan where you invest fixed amounts every month.

ONLY SOME FUND charges for SIP..

ULIP Vs MF+Term Insurance

https://www.getmeinsure.com/ind.....insurance/
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68
Lily_parmawia Says:
August 5th, 2009 at 2:26 pm
Kumtin pawisa dah luh khi a duham fal bik thenkhat company in an charges thin:
https://www.getmeinsure.com/ind…..insurance/
tah hian a awm ang.

lahratla says:

@Lily_parmawia: Costs chhut dan vel chu i la bo ve haih haih hle mai maw. Back to school…

I duh ber mi hmuh atan hian min chhut tir chhin teh.. a formula nen ka lo dah ange.. chuan heihi lo chhut ve bawk la. mahse i chhut hmasak angai ang.

NAV on 02/07/06 :11.09832
NAV on 31/07/09 : 24.19732

Hetah hian Return (HPR)dik tak leh kumtina a punna (CAGR) han chhut chhin la (hemi ka tih tirna chhan che chu, chhut roh ka tih apiang hian thudang i soi ziah).. han tive rhe2 teh..
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69
Lily_parmawia Says:
August 5th, 2009 at 2:33 pm
heta lo ngaithla tu leh lo en tute hian.. hriat thiam chin anneih ve loh chuan tu nge soi dik… tunge soi diklo a hriat tlat loh..
chuvangin kan soi nilo.. India ram mithiam leh lo expert zok te soi en mai ru.. ka thui ve peih tohlo.

Google ah ULIP Vs Mutual Fund tih khan han search ula.. a nihna tak in hmu ang.
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70
caribou Says:
August 5th, 2009 at 2:34 pm
Nangni pahnih hi inhnial ziah teh suh u. NAV chung chang, a awmzia, a chhut dan, kan sum invest a effect dan te, Duhlian tawng ngei khan a hranpa ngatin lo post teh u. A awmzia ka hre chak a nia. Kei aiin in thiam ve ve.
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71
Lily_parmawia Says:
August 5th, 2009 at 2:38 pm
Pakhat in a dik lova an soi tralh chuan.. engeeee..
Ka post thin ah pawh.. Mizoram Insurance agents.. commission driven anti maia, anmahni ei tur ringot ngaihtuah ho hi ka sawisel hnem toh em kha.. ngawihna chi pawh anilo.

Inhnial hrat te kan ang rum2 mai dawn.. A nihna tak hria se ka ti mai.. ka hnen atang advice lak beisei hian ka post ngailo + comment ngailo.
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72
lahratla Says:
August 5th, 2009 at 2:51 pm
@Lily_parmawia: I ho e mai a. Kha ni leh:

Holding Period Return (HPR) chu 118.02% a nia.

Compound Annualised Growth Rate (CAGR) chu 28.80% a nia.
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73
lahratla Says:
August 5th, 2009 at 2:53 pm
“chuvangin kan soi nilo.. India ram mithiam leh lo expert zok te soi en mai ru” tih hi ka tawmpui e.
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74
Lily_parmawia Says:
August 5th, 2009 at 2:53 pm
Chhut rawh ka tih khi a chhut thiam lo emaw.. a chhut diklo emaw anih chuan.. mi hmuh lai hian a return tur chu ee kha ee lo ti ve toh lo se a tha ang.. (back to school te min ti thei boka)

Mutual fund ah mi advice don chuan: beta, alpha, sharpe, SD & mean hriat angai.. Heihi sawi fiah bok se.. a hriat ve tak2 chuan.. khitia in hnial vak2 lo khian… kan soina ber ten an hrethiam tak2 lo.. a rak hnem2 hria nihna mai2 niin ka hria

beta, alpha, sharpe, SD & mean : heihi han hrilhfiah luuul teh. chuan mi i advice ve don nia Lahratla.. (I duh2 min zot ve don nia)
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75
lahratla Says:
August 5th, 2009 at 2:56 pm
Nangmah ang deuh thoin “ULIPs bikah hian ka sawi fo tawh thin angin insurance agents tam zawk chu an hotute thusawi ringawta innghat, an sawi ang ang sawi chhawng leh tawp, a punnna tur zat leh a pung tur zat pawh risk awm miah loh anga chhuah thei mai leh guarantee thawthang leh an commission thatna tur policy deuh chauh an prospects (potential customers) te offer thin an nih tlangpui avangin misseling a tam em em a, fimkhur erawh a tha hle,” te chu ka ti ve khi ma le
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76
lahratla Says:
August 5th, 2009 at 3:00 pm
Tin, ULIPs hi a tha zawk ngei ngei te pawh ka tih kher loh khi. MF that theih zawk dan te , ULIP that theih zawk dante hleih nei miah lohin ka sawi mai a ni e.
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77
lahratla Says:
August 5th, 2009 at 3:01 pm
Thil min zawk vak vak a, ka chhang zel che a. Ka zawh ve chein i thinrim leh daih zel. Chuvangin ka inhnudawk mai nge
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78
Lily_parmawia Says:
August 5th, 2009 at 3:01 pm
Thildang soi lovin… min han chhutsak phawt teh..
chhut thiam lo treat khan min treat bok

Chuan:beta, alpha, sharpe, SD & mean hei nen hian.
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79
lahratla Says:
August 5th, 2009 at 3:02 pm
Lawks. Holding Period Return (HPR) khi 118.0268725 a nia, rounded in 118.03% chiah chiah a ni e.
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80
Lily_parmawia Says:
August 5th, 2009 at 3:03 pm
Pls… chhut hram teh…
back to school te min tia.. ka lo la na deuh a.. chuan i chhut thiam nge thiam lo a hriat ve mai ang..
la in hnuk dawk lo hram2.. plss

I chhut ngam lo em ni?????
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81
Lily_parmawia Says:
August 5th, 2009 at 3:05 pm
yessh.. HPR chu a dik thlap.. CAGR (heihi a sak deuh ang) hihiihih
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82
lahratla Says:
August 5th, 2009 at 3:08 pm
Chhut thiam lo ila, ka sawi chhuah ngam i ring re’ re’ a mi? Tin, thil harsa em em pawh a ni hleinem. Nangmah chauhin hre tur zelah in ngai thin a niang a? No Offence
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83
Lily_parmawia Says:
August 5th, 2009 at 3:15 pm
ooo HPR te chu a ol alom.. wiki ah pawh a formula chu a om kha… CAGR kha ka chhut tir na chhan che.. chhut leh loks..

chuan i i hriat thiam chuan..(thildang soi toh lo la) : beta, alpha, sharpe, mean , sd te kha soi bokla.. a hmaa i comment ah khan i soi lang ta sasa..
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84
Lily_parmawia Says:
August 5th, 2009 at 3:19 pm
HPR formula hre duh tan:

I ULIP emaw, MF emaw NAV hi heihi lo ni se…
NAV on 02/07/06 :11.09832
NAV on 31/07/09 : 24.19732

chuan i chhutna tur:
(End Nav – Begin Nav)/ Begin Nav
simple mathematics…
(24.19732-11.09832)… chuan a chhuak hi 11.09832 bok hian i sem leh mai ang… han intih theihna tham vak poh anilo.. hahhaha
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85
Lily_parmawia Says:
August 5th, 2009 at 3:22 pm
I duh min zawt ve don emaw ka tia.. ka zawt char2 bik che aa.. naam lo

mahse min zoh hma-in min chhansak hram la a chung ami 2 CAGR & risk measure khi.. tra la la laa
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86
Lily_parmawia Says:
August 5th, 2009 at 3:28 pm
I thiam loh chuan mi hmuha.. cost calculation te ti ve vak2 toh suh.. i dum vek mai ang
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87
Irreplaceable Says:
August 5th, 2009 at 3:32 pm
Coffee Break?? KitKat Break??
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88
Lily_parmawia Says:
August 5th, 2009 at 3:33 pm
awww ka ngaidam che.. mahse Mutual Fund ah Rs.19,86,511.40/- i chawi tir dan khi chiangkuang deuhin min lo hrilh leh hram.. or i spreadsheet min lo share..
khoi MF company nge i hman?
kei chuan below 1 lac in ka chhut tlat si a..
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89
Lily_parmawia Says:
August 5th, 2009 at 3:34 pm
Lalpi Irre.. Referee ham tu ah ilo tang ve don ami??
Nimin ah Pu Xaia a tranga.. a ham fair lo raps.. hhahahha
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90
Lily_parmawia Says:
August 5th, 2009 at 3:40 pm
Kan OT loks
lawrkhawm ah Synod sum invest-na a copy an dah lang.. enve mah teh uuu.. pui khups mai
https://lawrkhawm.com/story.php.....dit-report
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91
wonderboy Says:
August 5th, 2009 at 3:50 pm
phulip leh khum a mutual tual emaw insawi ka tia pawisa chungchang a lo ni maw!
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92
Lily_parmawia Says:
August 5th, 2009 at 3:52 pm
Synod sum (pension fund) atana an dah zong2 atanga 90% an invest hem mai!!!!
Pui tak ani.. heipoh hi ka rindan chuan Agent duham ltk in a pungzat tur a graph nen alo va hmuh anga, tak2 emaw anlo tia, chuan an dah ta riap mai ni awm tak ani.. Agents commission tur leh an charge tur ringot hi 1 crore chu a chuang don hrim2…
heihi thil tha tak, Invest-na tur hrim2 emaw tiin Mizoram sorkar pawn.. “Synod pawn a invest” tih vang khan andah ve niin ka lo hre boka…

Commission driven anni tih an in hre hlawl lo.. A pawi khop mai.. lahratla pawh, i hre ve tawk, (ULIP) ah phei chuan kei aiin i hre mah zokin ka hria.. hetiang mai2 a kan mizo pui te om lo tur leh buma awm zel lo tur hian tang ho ang u leee..
ka lawm e…
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93
mzvision Says:
August 5th, 2009 at 4:24 pm
Failure is the Pller of Sucess thufing anih kha le. Synod ani emaw, Health Care Society ani emaw an tisual nawn lovang tih i ring ang u.
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94
caribou Says:
August 5th, 2009 at 4:28 pm
Hemi chung chang hi ngaihnawm taka kan ngaihthlak leh theih nan Lily an a lo post leh ngenngawl takin kan beisei e.
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95
XaiA Says:
August 5th, 2009 at 4:40 pm
Lily_parmawia : Mai mai a, kei chu neutral country/neutral umpire a lawm ka nih
Tak tak a, thenkhat tan a lawm awm ve a lawm
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96
ltp Says:
August 5th, 2009 at 6:16 pm
Post # 68: In CAGR chhutchhuah chu a va dik teuh ve .ULIP ah hian CAGR ah pawh charge a tel em ni?
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97
Lily_parmawia Says:
August 5th, 2009 at 6:55 pm
ltp dik trep… hahhah.
CAGR chu tel love.. mahse ULIP leh MF performance han compare nan khan a tha ber law maw ka ti.. enge i ngaihdan?
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98
VaiVa Says:
August 5th, 2009 at 6:58 pm
@Lily: I chunga mi khi a biak rawn tlak khawp ang. A ngaihdan lo thleng khan zawt teh khai!
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99
mzvision Says:
August 6th, 2009 at 1:21 am
@Lilyparmawia and lalhratla
New SpreadSheets hi lo study ula in comment min han email dawn nia.

Improve trul emaw dik tawk lo awma in hriat emaw in comment hrim hrim ka hre duh deuh. Ka lawme
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100
Lily_parmawia Says:
August 6th, 2009 at 1:57 am
Awle… ka comment ange.
Keini aia zirna tha zawka zir chhuak leh company rintlaka thawkin a chhut pawn ULIP leh MF inthlauh na chu : 968.94 lacs ani (MF a tha zok)… kan sawi angailo keini aia experience nei tha zokin in a chhut chhuah ani

Mahse kan ti ve tralh teng.. eng company ah te nge compare a chhut na hi kan ti ve tralh teng… Kan mithiam chhut dan chuan interest in ang rau2 ah a chhut niin ka hria.. Mahse ULIP top 10 leh MF top 10 performance zing ah rau2 an return in thlauh zia hi..( MF ah hian ala return tha zok in ka hre tlat, an performance ngor2 en chuan)
Keini aia experience nei zokin heti khopa a chhut chuan…. MF return tha ah phei chuan ava in thlau don em….
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101
Lily_parmawia Says:
August 6th, 2009 at 2:05 am
A dik tawk lohna chu… Term insurance a neih tel angai tlat.. MF ah hian a compare tur hi insurance leh Investment in kawp a ni tlat.. Chuvangin term insurance a neih tel ve hian a fair berin ka hrria…

mahse a in thlauh na hi: 968.94 lac anih avang leh, term insurance 20 yrs of 25 lac SA anih vangin… Ontime term insurance rs.22970/- in kan lei thei… Mutual Fund chu ala return tha zawk tho2 e…
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102
Lily_parmawia Says:
August 6th, 2009 at 2:09 am
Min rawn email don nia i ti na mawlh2 aa.. ka la comment tralh chu le.. Sorry..
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103
ltp Says:
August 6th, 2009 at 2:15 am
lily: I thil sawi chu a dik khawp mai. A upload tu te thiam loh nge open office thiam loh pawh kan hre hrilh lo anih hi. Google spreadsheet ah hian conditional formatting a lo awm ve loh vang anih hmel khawp mai.

A cell B9 a, number of years invested tih ang bawk khian, a comparison ah chuan khimi year pel chin khi chu lo ngaihtuah zui duh tawh suh.

Tin, a spreadsheet a lang inthlau ta lutuk khi chu, a lang lo tur i hmuh vek vang anih khi.

A formula hman pawh hi a duh tan chuan a tih danglam theih vek e. MF ah charge a lo tlem anih pawn, a kum bithliah in column H ah khian a dah belh ve zel theih e.

Return in ang reng a, investment hlawk leh hlawk loh na entir chauh ani, a mimal zir in duh duh khawih danglam phal ani.

Mahse, highlight ngai ve mai mai pakhat chu, entry age khian kawngro a su lutuka , in lo thlak kual chhin dawn nia
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104
mzvision Says:
August 6th, 2009 at 2:28 am
Century kan hit der mai. Duhtawk ila changdang kan ila a fuh ang a
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105
ltp Says:
August 6th, 2009 at 2:32 am
term insurance rawn telh ve talh pawh khi ULIP nen a compare nan a hman ani. ULIP = Mutual Fund + Term Insurance. A tha zawk chu tuman an sawi thei lo. A mimal ah a in nghat zawk ani.

Disciplined traders ho chuan mutual fund an la a, disciplined vak lo chuan ULIP an la a, a in ang loh na chu “You pay the price for your convenience”. A return tha zawk hmu tur pawn a mimal ah tho a in nghat.

Period
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106
mzvision Says:
August 6th, 2009 at 2:50 am
#101 hi a khar nan chuan a va tha tek tawk em. Mangtha ule
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107
Lily_parmawia Says:
August 6th, 2009 at 3:10 am
“You pay the price for your convenience” Eimen….
Mihring hi kan lo in anglo khop mai…
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108
Lily_parmawia Says:
August 6th, 2009 at 4:17 am
I chhut dan chuan performance in ang rau2 ah ani tlat…

Hemi hi ka support lo… MF leh ULIP performance chu hre tur i ni… Risk in ang rau2 ah MF hian a return tha zok…

MF top 10 zingah 30% p.a aia return tlem an om ngailo…
Chutin MF 5 yrs term ah 30% p.a aia return tlem an om ngailo..

I en duh chuan valueresearchonline.com

ULIP ah hia average in 20% p.a return anni a ni…
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109
lahratla Says:
August 6th, 2009 at 6:43 am
“I chhut dan chuan performance in ang rau2 ah ani tlat…

Hemi hi ka support lo… MF leh ULIP performance chu hre tur i ni”

A dik chiah. An performance chu inthlau tak tak an awm.

Mahse, a tir atanga ka sawi angin performance inang rau rauah a khoi hi nge long term-ah cost tlem vanga hlawk thei zawk hriat tum kan nia.
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110
XaiA Says:
August 6th, 2009 at 7:25 am
Discussion tha tak tak,direct leh indirect te ngaihnawm thei hlawm eeee.
Sum khawl/invest na chang Mizo ten a na chang kan hriat belh zel a, a thiam ten in han sawi zel na zarah a safe deuh te thlan thiam a tul hle.
Policy hi mipui te tan a attractive tur berin an duang a,agent ten aggresive tak a an zawrh theih nan agent tan a hlawk tur in an duang bawk thin.A sum chawitu policy holder (to be)kan fimkhur a ngai a ni ee.
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111
mzvision Says:
August 6th, 2009 at 8:24 am
Ban phar meuhin khar ka rawt nawn leh e. In thu atrang hian hlin tur kan hrechiang tawh e.
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112
caribou Says:
August 6th, 2009 at 10:08 am
@mzvision: I zahawm viau na a, keimah zawk hian a tawp chu ka han khar zawk ang e.
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113
lahratla Says:
August 6th, 2009 at 10:12 am
kei paw’n sawi tur ka la nei mai thei a nia aw. a post-neitupa nihmanah real last closing chu ka hauh e
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114
funny Says:
August 6th, 2009 at 10:38 am
ka khar ve duh tho lawm. hi hi
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115
lahratla Says:
August 6th, 2009 at 10:03 pm
Hei hi kan belh leh lawk ang e:

Fund Management charges on ULIP: This is a fee charged (as a percentage of funds under management) for managing your investments. It usually ranges from 0.5% to 2% depending on the insurer and the type of fund and is deducted before arriving at the NAV. In other words, NAV figures published by insurers are after deducting the fund management charges from the gross returns earned by the fund. Besides, it’s impact also increases with the rise in the fund value as it is levied on percentage basis on the fund value. However, FMC charges are usually lower in Ulips as compared to mutual funds.
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116
lahratla Says:
August 6th, 2009 at 10:05 pm
Chuan hei nen hian:

PU Mzvision-a ULIP leh MF comparison, a costs (a bik takin FMC) chhut dan dik zawka chhutna hei le:
ULIP vs MF
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117
lahratla Says:
August 6th, 2009 at 11:19 pm
Tun hnai kum thum chhunga MFs titha zual 10 te average performance hi han en ve mai mai mah teh u:

MFs (Equities):
Highest CAGR amongst Top 10 – 38.67%
Lowest CAGR amongst Top 10 – 22.54
Average CAGR – 26.86%
Source: valueresearchonline.com as on 06/08/09)

Sensex – 14.47%

Average hi 30% chu a ni lo deuh a nih khi.
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118
taia-pa Says:
August 7th, 2009 at 2:17 am
ka ngaihtuah vak lo na chu hei in thusawi atranga ka lo buai ve na mai mai chu.
1.Lahratla hian Entry load khi 2.25 a tih mai bakah’Regular ( or SIP) taka kum tin Rs Nuai 1 kan dah ziah chuan kum tina kan dah apiang kha new investment anga treat a nih avangin entry load hi charge ziah a ni thin.”a tih laiin
Lily ve thung chuan”Entry load hi one-time charge chiah a ni thin. I kumtin sum dah luh rs.1 lac anih chuan Rs.2250 chiah an charges ang. ahnu lamah Rs. 1 lacs pawh dah leh mahla charges a om tawh lo” ati bawk sia>Tunge dik zawk?
2.Exit load chungchangah lahratla rawn post-ah khian kum 20 chung a ni a.Lily hian a free ngawt lo a ti si a.a free nge free lo?
Chuan ULIP nge tha ta MFs chu….
3.FM a 2.50(recurring expense) a a rawn chhut khian a dik thei tho em?
Tih vel ka lo ngaihtuah ve mai mai a,ka buai tawk ve khawp mai.ka ho khawp mai LOLSSS
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119
kanidar Says:
August 7th, 2009 at 8:25 am
Hei hi chuan a mawng a hnawh tawh ngei ang, Pu mz
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120
lahratla Says:
August 7th, 2009 at 8:25 am
@taia-pa:

1. Entry load (Maximum 2.5%) awm chi a nih chuan charge ziah tur a ni. Entry load awm lo chi a nih chuan a eng kumah mah (Entry Load) charge a awm lo ang.

Exit Load awm chi-ah chuan engtik hunah pawh i withdraw chuan 1% emaw 2% emaw (an fixed zat zat) kha an cut tawp dawn tihna a ni.

Mahse, entry load awm chi a nih chuan exit load a awm lo ang; chutiang bawkin exit load awm chi a nih chuan entry load a awm lo ve thung ang.

Hriat ve mai mai tur chu entry load leh exit load percentage hi a inan chiah chuan nakina kan khawl ngah theih zat tur an nghawng theih dan a inang chiah chiah ang. Awmzia chu entry load 2.25% leh exit load 2.25% in nghawng a neih dan hi a inang reng.

Exit Load tawp bakah hian investor-tena exit load sawi nana an hman pawlh fo thin a awm a. Chu chu CDSC (contingent deferred sales charge) a ni a. A charge theihna hun an biktuksa chhunga withdraw chauha lak thin a ni. Entirnan, a tir thla 6 hmaa withdraw chuan 1% cut tur, thla 6-12 inkar withdraw chuan 0.5% cut tur tihte a awm thin. Heng hi CDSC chu a ni e. Tin, hei hi Pu Lily-a rawn point out pawh kha a nih hmel.

Regulator SEBI-in entry load tihtawp vek tuma hma a lakna zarah August 1, 2009 atang khan eng Mutual Fund scheme-ah mah entry load (initial charge) lak a ni tawh dawn lo.

Entry load an lak theih tawh dawn loh takah chuan AMC-hoin tunah hian exit load an san chho tan mek. Tuna chinah chuan exit load hi eng MF scheme-ah pawh a awm ngei ngei vek tawh ka ring. Entirnan, a hmaa a tir thla 6-12 inkara 0.5% charge thin te khan 1% an cut tawh dawn a, Tin, kum khat a ral tawh chuan exit load awm miah tawh lo thin te kha tunah chuan kum 2 a ral hma chuan 1% cut tur etc. tih velten tunah hian AMCs tam takin an exit load structure an ennawn ta chur chur mai le.

3. FMC ka chhut dan khi chhut dan tik tak a ni e.

Tin, entry load awm lo chi-a ka chhutna chu Comment #112-ah khian download theih maiin ka chhawpchhuak e.
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121
seguro,seguros,seguro coche,seguro de coche Says:
November 18th, 2011 at 9:22 am
seguro,seguros,seguro coche,seguro de coche…

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