Tax Savings Schemes
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February 1, 2013 at 5:39 pm #76708
Anonymous
InactiveDear Saibal agents can never misguide us if we the net-savy people just take out some time to check the term and condition in the brochure as well as on that company’s website…and i was talking about Tax saver ELSS..not ULIP…please do not mix it all up..perhaps you had some bitter experience with insurance agents…i would like to suggest to follow ‘Your Money’- a investor friendly show on CNBC AWAZ every day at 7:00p.m and 11:00p.m..
February 2, 2013 at 2:28 pm #76731InactiveDear S.G. I am not 100% agree with you. Because In most of the cases the agents misguide us. You are saying to see the webside. How many people in this country have computer with net connection? In the villages there are a lots of people who have been misguided by the agents. You know there are a lot of cheat fund, where the agents are misguiding the people. Now a days the agent of insurance companies are going in the same way. I am giving you an example. I have an SBI life insurance plan. After depositing four instalment of Rs. 20000 when I investigate my policy then I came to know that my total fund value is Rs. 74453. Now a days most of the people do not believes the agents.
February 2, 2013 at 2:44 pm #76732InactiveA famous quote: Zindagi ke saath bhi, Zindagi ke baad bhi
So it is better to think Zindagi ke saath bhi, Zindagi ke baad bhi
But I’m sure nobody can support meFebruary 3, 2013 at 7:54 am #76748InactiveDear Saibal as i mentioned earlier I was talking about ELSS(Equity Link Saving Scheme) and your experience is related to ULIP(Unit Linked Insurance Policy).please understand in ULIP policies aroud 50% of your first basic premium gets deducted fro total amount of investment i.e charges like 1.Mortality charge 2.Allocation charge 3.fund management charge 4.Guranteed charge 5.administration charge 6.Msclns charge etc..therefore it is obvious that in first few years you wll be on the loosers side.
Read carefully: do not mingle investment and insurance…Do you know about ‘Term insurance’ and ‘Tax saver /Regular Mutual Fund’?February 3, 2013 at 4:06 pm #76757InactiveDear S.G. I am agree with Torkona. Amader ekhane ekta kotha chalu aache ta holo “Insurance korle more luv”. You are saying about the different charges, but why the agents never said this. Before four years I had no laptop with Net connection. Now it has. But there are a lot of common people who has no such facility and agents are still cheating with them. Thanks.
February 3, 2013 at 4:17 pm #76758InactiveDo you know about ‘Term insurance’ and ‘Tax saver /Regular Mutual Fund’?
I like to request you to create separate topic for easy understanding about the matter.
A lot of people lacks proper financial awareness, irrespective of their knowledge about other things.February 3, 2013 at 5:15 pm #76759InactiveI also agree with nemo. Separate Topics for every such types will be beneficial.
February 7, 2013 at 2:30 pm #76805InactiveAnother tax savings scheme is the most popular PF. I think most of the service holders know about the scheme. Thefore there is nothig to say about the scheme. More you deposite more you get taxles return. One thing, I cannot believe the present Central govt. because any time they can annouce that at the time of the maturity/draw partially the amout will be taxable. But till now it is not taxable.
February 8, 2013 at 2:33 pm #76823InactivePPF is one of the trusted tax savings investments. The most suitable for any one salaried and non salaried.
February 10, 2013 at 8:55 am #76855InactiveI have discussed in detail earlier on PPF.
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