[…]ULIP vs Mutual Fund + Term Insurance | mi(sual).com[…]…

Report this comment

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.

Report this comment

Report this comment

Report this comment

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.

Report this comment

PU Mzvision-a ULIP leh MF comparison, a costs (a bik takin FMC) chhut dan dik zawka chhutna hei le:
ULIP vs MF

Report this comment

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.

Report this comment

Report this comment

Report this comment

Report this comment