Insurance in simple terms is a contract between two parties to cover the risks which may incur in the due course of life. There are basically two types of risk: one is speculative risk and the other is pure risk. Speculative risk is a risk which yields either a profit or a loss or a no change, and pure risk is a risk which yields either a loss or effects to a no change situation. Insurance can cover only pure risk because insurance works under the principle of putting back the party in same position as they were before the loss occurred.
There are broadly two categories of insurance. One is general insurance and the other is life insurance. Insurance in the life category can be further divided into whole life policies, term insurances, endowment assurance and pure endowment. General insurances are available for a wide range of risks such as health insurance, motor insurance, fire insurance, marine insurance, etc.
Insurance players also work on reinsurance. Reinsurance means when an insurance company transfers risk or a part of the risk to another insurance company. There are two types of reinsurances; one is facultative reinsurance which means analysing policies on an individual basis and then deciding which risk is to be transferred and how much. The second type of reinsurance is reinsurance by treaty. In this type of reinsurance there is an agreement between ceding company and accepting company. Reinsurance companies in case of later kind of reinsurance state what amount of or kind of risks they are ready to accept. Facultative reinsurance is not that popular because of the administrative hassles involved in analysing the risks in each policy and then transferring the risk.
All contracts of life insurance are valued contracts while general insurance are contract of indemnity. Valued contracts are those contracts in which the sum assured depends on what the policy holder feels like placing on insured’s life. Contract of indemnity is when a property has a value and is insured for only that much. Therefore a person can have as many life insurance policies as he feels like and can assure his life for the sum that he feels like, provided he is in a position to pay the premiums. In case of a general insurance contract one cannot receive benefits from more than one policy on a property. Say for example a building has a value of 10 lacs and has been insured for 10 lacs from two insurance companies then in case of claims he can claim only from one insurance company and hence the premium paid towards the other policy becomes null and void.
Insurance companies now a day’s undertake a process to classify risks into different categories depending on the intensity or probability of the occurrence of the risk covered. Insurance as we all know is a subject matter of solicitation .i.e. one should seek for it and it should not be sold. So the person who wishes to insure his life or his property must submit a proposal in the form of application form to the insurance company from which he wants insurance. The insurance companies then scrutinize these proposals and decide what premium needs to be charged based on the category of risk it falls into. This process of classification is called as underwriting process. This is based on the underwriting standards of an insurance company.
There are basically four categories in which the risk to be covered in the proposal are classified into :
This is a perfect situation as in the premium charged is very nominal. An example would be a life aged 35yrs of age with no ailments seeking for a whole life policy. Any insurance company will accept this policy proposal.
This is slightly riskier than preferred risk category; insurance companies will accept these kinds of proposals for a higher premium.
This is in the high risk zone category only as per the insurance companies standards however; they accept the proposal for very high premium amounts. Say for example a person aged 45yrs of age who is a diabetic for the past 5 years and a BP patient for last 10 years and also has heart problem.
This is the category of risk which the insurance companies will not accept at all.
Based on the category the proposal falls into decision as to the acceptance and premium is taken by insurance companies. All insurance companies have their own hired expertise to do the underwriting work. Underwriting plays a crucial role in insurance business because any error in the classification of these risks might lead to losses to the company. Now a day’s re-insurance companies have started involving themselves in the underwriting process of other insurance companies to be assured of the kind of risks they are accepting from these companies.
The purpose of an insurance policy is to protect the family members of a person from any financial complexities in case of his/her premature death. Such unfortunate eventuality to a breadwinner in the family can put the other family members in serious financial problems. Insurance seeks to offer financial help in such times.
This, therefore, must be the main objective for buying an insurance policy. Any other benefit such as tax advantage etc. must be of secondary consideration.
The primary aim of the insurance policy is to provide a risk cover. Therefore a part of the premium paid is first appropriated towards this purpose. The balance amount is invested in financial instruments, which are generally very safe ones. Also, the commissions and charges are substantially higher than other investment options.
Consequently the returns from an insurance policy are nothing much to talk about therefore it cannot be considered as a feasible investment option in comparison with other competing financial products.
Term policies are pure insurance products with no investment option. They are the cheapest and the simplest among the available plans. But cheapest does not mean they are inferior to other costlier insurance policies. As far as the basic purpose of risk cover is concerned, there is no difference. And usually for most of us this term policy must be more than sufficient.
In such policies the premium paid is foregone at the expiry of the policy and one does not get anything if one survives the policy term. This fact that one does not get anything back is possibly the most important psychological factor for the low popularity of a term policy.
In contrast to the term policies, savings-linked insurance policies are such as money-back, endowment and whole-life provide the risk cover and also give back some returns to the insured at the end of the policy term, in case nothing happens to him/her in the interim. The premiums of such policies are much higher than the term policies. This assurance of getting some returns at the end of the policy term is why most people choose for such savings-linked policies in comparison with term policies.
They however fail to understand the fact that a part of the premium is anyway earmarked to provide for risk cover. Then a part of the premium goes towards paying commissions, administrative and other charges. And it is only the balance amount, which gets invested to provide some returns to the insured at the end of the day. These returns are normally very low as the investment is made in risk-free low-return options.
Therefore, a person may be wealthier if he were to buy the cheaper term policy and invest the balance amount, which would have otherwise gone towards high premiums of saving-linked policies, like MFs. In this way he would be risk-covered and also generate higher returns.
From their business viewpoint the insurance companies and the agents may be keener to sell saving-linked policies in comparison with the term policies, as the premiums and commissions are much higher. And hence the advertisements and promotions may speak more about such policies. Therefore, it is for the insured to keep his interests & needs in mind and not be carried away by influential agents and publicity.
Unit Linked Insurance Policies (ULIPs) offer an alternative to traditional policies where the returns will be market-linked. Further, one can also choose one’s own investment objective amongst equity, debt and balanced funds.
However, the charges in the first years are quite high. Thus the actual benefit of ULIP starts accruing only if one has a long-term investment horizon. The minimum lock-in period of 3-5 years may look attractive, but is too short a period to fully reimburse for the high charges in the first 2-3 years. ULIP can prove to be a good investment option (together with insurance) if one keeps paying premium for at least for 10 years.
Insurance is for the benefit of the dependents. Thus, if you are single with no one being financially dependent on you, it is not necessary for you to buy an insurance policy.
If you are a person of plentiful means, you have lots of wealth – properties, bank balances, investments, etc. in your absence; this may be more than enough for your family and dependents to continue living comfortably. A few lakhs of rupees from an insurance company may not make any material difference to their future financial security.
Any unfortunate eventuality involving a child is no doubt emotionally very shocking. But it usually does not hurt the family financially. Whereas, insurance cover is for justifying the financial difficulty, that may arise with the death of the insured. Therefore, taking a policy for a child is meaningless. It is a needless expense.
As they say ‘the devil is in the details’. Therefore, understand the characteristics of the policy, the charges etc., before you buy an insurance policy. Further, most insurance companies offer a 15-day look-in period after you have taken the policy. Go through the terms and conditions in the policy very carefully. And if you feel that it does not meet your necessity, you can cancel the policy. You may have to pay some administrative charges, but this would be much better than investing on to a bad policy for years to come.
Insurance is a long-term contract generally spanning over decades. Also, these contracts have very little flexibility. A wrong insurance product can financially injure for a very long time, unlike many other financial products. Therefore, one should be extra careful and cautious when deciding on how much to insure, how long to insure, which policy to buy, etc.
"just read the article"
- krishna bhatt, 22nd January 2009, Thursday"aaaa"
- saravanan, 31st January 2009, Saturday"thanks"
- CH NAGESWAR RAO, 10th February 2009, Tuesday"I have started my investment through SIP in Dec-2008 @ Rs.2000/-p.m.My target is to invest at least for 15 years.But most of the cases, after one or two years investor will discontinue or agent will not follow up for conituation. Please let me know that if agent is not available, can I continue the same account directly from anywhare India. "
- VENU M K, 5th March 2009, Thursday"thanks"
- Raju Deshmukh, 5th March 2009, Thursday"thanks"
- Raju Deshmukh, 5th March 2009, Thursday"Very good basic article"
- Tushar, 5th April 2009, Sunday"Pls advice me on which fund will do well for me as I am planning to invest about Rs.2500/- per month for 4 years.Iam expecting about 25% returns p.a. on an average for 4 years."
- AhmedAmeen, 27th April 2009, Monday"plz sugguest .in which company i should invest."
- dharmendra pathak, 19th May 2009, Tuesday"where to invest and how safe to invest"
- Paul Dsouza, 29th May 2009, Friday"i want to invest monthly rs 500/ suggest me the best sip "
- salim memon, 30th May 2009, Saturday"I wanted to start SIP by investing 1000 Rs/month for the period of 33 yrs. if I want to withdraw my money at mid time then how much amont I will get. Please intimate to us your terms & conditions Rajeev Kumar Shukla"
- Rajeev Kumar Shukla, 30th May 2009, Saturday"if investor invest in sip for long time.then he can take very good returns because sip counts averaging "
- prabhat trivedi, 2nd June 2009, Tuesday"dear sir, the information is very nice and helpfull. can you please tell me the tax liabilities for the SIP for short term and long term. and also details on the open ended SIP and close ended SIP. regards jambunathan.m.s"
- jambunathan.delhi, 5th June 2009, Friday"pls sent Systematic Investment Plan in best organisation "
- sandeep, 11th June 2009, Thursday"Your artilce on SIP-pension plan is really worthful and very informative. I have few things need to be cralified. My age is 38, working as senior scientist -in private concern. My monthly net salary is 30000 thousand. My wife is also employee, she is drawing 15000 net salary per month. We have one daughter studying first standard. Having two houses and each one is having enough life insurances. Our monthly expenses inclusive all is around 10000. We like to invest in SIP . Which company and plan you are suggesting us to invest. I dont have much knowledge about equity, dept and other funds. Would be glad if you could guide me in this regard. "
- Sudhakaran, 20th June 2009, Saturday"I would like to know the SIP plan and interested in it. Can you please brief the plan.. Sandeep"
- Sandeep kadre, 23rd June 2009, Tuesday"i want to invest rs 2000 per month in a sip,should i invest rs 2000 per month in a single plan or rs 1000 per month in two plans or rs 500 per months in four plans, also suggest me funds and anticipated growth."
- a.k jain, 5th July 2009, Sunday"indeed very useful info on SIPs. Recently I have started an SIP plan and investing every month Rs.1000/- in Birla Sun Life Insurance,"
- Devadas Puzhukil, 13th July 2009, Monday"it is quiet a nice article to understand. but i have to invest Rs. 1000/- every month, so plz suggest where i have to invest(SIP)."
- shashi, 15th August 2009, Saturday"It is a nice article to understand but i have to invest Rs. 1000/- P.m Kindly suggest where I have to invest for my retiment (SIP) AT THE TIME OF RETIREMENT I HAVE TO MONTHLY PERSION OF RS. 25000/- P.M."
- S.V.RAGHAVA RAO, 11th September 2009, Friday" I want to invest monthly rs 500/ suggest me the best sip Thanks & Regard, Ramu Kumar "
- Ramu Kumar, 18th September 2009, Friday"i want to invest in sip which plan is more profitable"
- ANIL BHOOTRA, 27th September 2009, Sunday"just read the article"
- krishna bhatt, 22nd January 2009, Thursday"aaaa"
- saravanan, 31st January 2009, Saturday"thanks"
- CH NAGESWAR RAO, 10th February 2009, Tuesday"I have started my investment through SIP in Dec-2008 @ Rs.2000/-p.m.My target is to invest at least for 15 years.But most of the cases, after one or two years investor will discontinue or agent will not follow up for conituation. Please let me know that if agent is not available, can I continue the same account directly from anywhare India. "
- VENU M K, 5th March 2009, Thursday"thanks"
- Raju Deshmukh, 5th March 2009, Thursday"thanks"
- Raju Deshmukh, 5th March 2009, Thursday"Very good basic article"
- Tushar, 5th April 2009, Sunday"Pls advice me on which fund will do well for me as I am planning to invest about Rs.2500/- per month for 4 years.Iam expecting about 25% returns p.a. on an average for 4 years."
- AhmedAmeen, 27th April 2009, Monday"plz sugguest .in which company i should invest."
- dharmendra pathak, 19th May 2009, Tuesday"where to invest and how safe to invest"
- Paul Dsouza, 29th May 2009, Friday"i want to invest monthly rs 500/ suggest me the best sip "
- salim memon, 30th May 2009, Saturday"I wanted to start SIP by investing 1000 Rs/month for the period of 33 yrs. if I want to withdraw my money at mid time then how much amont I will get. Please intimate to us your terms & conditions Rajeev Kumar Shukla"
- Rajeev Kumar Shukla, 30th May 2009, Saturday"if investor invest in sip for long time.then he can take very good returns because sip counts averaging "
- prabhat trivedi, 2nd June 2009, Tuesday"dear sir, the information is very nice and helpfull. can you please tell me the tax liabilities for the SIP for short term and long term. and also details on the open ended SIP and close ended SIP. regards jambunathan.m.s"
- jambunathan.delhi, 5th June 2009, Friday"pls sent Systematic Investment Plan in best organisation "
- sandeep, 11th June 2009, Thursday"Your artilce on SIP-pension plan is really worthful and very informative. I have few things need to be cralified. My age is 38, working as senior scientist -in private concern. My monthly net salary is 30000 thousand. My wife is also employee, she is drawing 15000 net salary per month. We have one daughter studying first standard. Having two houses and each one is having enough life insurances. Our monthly expenses inclusive all is around 10000. We like to invest in SIP . Which company and plan you are suggesting us to invest. I dont have much knowledge about equity, dept and other funds. Would be glad if you could guide me in this regard. "
- Sudhakaran, 20th June 2009, Saturday"I would like to know the SIP plan and interested in it. Can you please brief the plan.. Sandeep"
- Sandeep kadre, 23rd June 2009, Tuesday"i want to invest rs 2000 per month in a sip,should i invest rs 2000 per month in a single plan or rs 1000 per month in two plans or rs 500 per months in four plans, also suggest me funds and anticipated growth."
- a.k jain, 5th July 2009, Sunday"indeed very useful info on SIPs. Recently I have started an SIP plan and investing every month Rs.1000/- in Birla Sun Life Insurance,"
- Devadas Puzhukil, 13th July 2009, Monday"it is quiet a nice article to understand. but i have to invest Rs. 1000/- every month, so plz suggest where i have to invest(SIP)."
- shashi, 15th August 2009, Saturday"It is a nice article to understand but i have to invest Rs. 1000/- P.m Kindly suggest where I have to invest for my retiment (SIP) AT THE TIME OF RETIREMENT I HAVE TO MONTHLY PERSION OF RS. 25000/- P.M."
- S.V.RAGHAVA RAO, 11th September 2009, Friday" I want to invest monthly rs 500/ suggest me the best sip Thanks & Regard, Ramu Kumar "
- Ramu Kumar, 18th September 2009, Friday"i want to invest in sip which plan is more profitable"
- ANIL BHOOTRA, 27th September 2009, Sunday"I am sorry for the cell no. mentioned above. Thanks for ur wonderful article which is very simple to understand. I presently work in UAE and would be thankful if you could kindly tell me how I can invest in some SIP's while I am here. I have a savings bank and NRE account in Gujarat and also hold a PAN card. Thanks"
- Rajeev R., 29th September 2009, Tuesday"very nice"
- murali, 1st October 2009, Thursday"I want invest in SIP. but i do not know how to do it."
- Vishal Shandil, 27th October 2009, Tuesday"you have given explanation about the SIP and i need information how to join/start an account."
- N.Jerin, 4th December 2009, Friday"Is it allowed to extend a period of SIP if one already invests in SIP, for 5 year term to 10 year term. Is the income is exempted from IT at the end of term. "
- PARVATEESAM, 30th December 2009, Wednesday" i need information how to join/start an account and how we can take and from whome."
- kalyan kumar, 1st January 2010, Friday"plz tell me sip min investment 100/- monthly no time bound & good return regular"
- rajesh, 5th January 2010, Tuesday"i want to investment in sip 1000/- per month and also tell me the which one is most reliable fund, with high returns"
- AMIT KUMAR, 23rd June 2010, Wednesday"I want to use SIP plz information provide about us and better sip plan for future and short term."
- Mukesh Mathur, 7th July 2010, Wednesday"i want to investment in sip 2000/- per month and also tell me the which one is most reliable fund, with high returns in short terms "
- sarbendu chakraborty, 7th July 2010, Wednesday"if i want to invest rs 1000 in sip plan for 20 yrs can you suggest me how much amount will i get at 20 yrs."
- Deviprasad upadhyay, 20th July 2010, Tuesday"sir, i want to invest 10,000 rs / monthes..for 10 year i request to you kindly say 4 stock name.."
- SUBHASIS PAUL, 23rd July 2010, Friday"I want to invest 750 to 1000 Rs. monthly for 20 year. How much I can get in my retirement."
- vijay damohe, 31st July 2010, Saturday"Asset allocation in different SIPs if Rs.10000 invested per month."
- vivek muley, 10th August 2010, Tuesday"give details on sip max return in 12 months give company name."
- ashish , 11th August 2010, Wednesday"Respected sir, I am Anand from Darjeeling, sir recently i have started investing sip of 1000 in uti master value growth fund , my question to u is how will i know that the money is invested every month or not, how will they deduct money from my account every month without my authority, my second query is , is uti master value fund (g) a good fund to start with. Can u give me detail regarding my question and can u tell me which site to log in to see my portfolio. thanks with regards"
- anand, 14th August 2010, Saturday"I want clarification regarding this plan for investment "
- mohamed thaslem, 28th August 2010, Saturday"want to invest in monthly Sip for short term like 5 years only with good returns"
- rohit jadhav, 7th September 2010, Tuesday"pls call me urgent "
- ajay kumar, 18th September 2010, Saturday"how to start sip without agent . i have icici account sallary. "
- sushant, 8th October 2010, Friday"Please advise me which is the most profitable SIP now to invest Rs 5000 per month?"
- Tarun, 18th October 2010, Monday"want to invest SIP 500pm for the period of 10yrs ,which is the best plans avilable. can i take reliance equity ? pls suggest me!"
- bijay Karmakar, 20th October 2010, Wednesday"Which is the best sip plan to invest now?"
- pravin jadhav, 1st November 2010, Monday"Dear Sir, Plz guide for invest 1500*2 best sip plan for my child for the time period of 15 year."
- Rajnish Sharma, 7th November 2010, Sunday"I need more details about SIP. Is it really possible that I will be getting good return always.Is it tax free?"
- Manish Kumar Dewangan, 22nd November 2010, Monday"let me know the best sip plan to invest in "
- hemali k desai , 27th November 2010, Saturday"please suggest me i want to invest in SBI Mutul fund which is the best for long time. "
- Deviprasad upadhyay, 9th December 2010, Thursday"I am an NRI looking for good return investments"
- P.K.SAINI, 28th December 2010, Tuesday"It will take only 25 years to achieve Rs. 1 crore, if invested Rs. 3000/- per month and money grows at 15% p.a. i would like to know more in detail about it "
- tanvi.gandhi, 2nd February 2011, Wednesday"Dear Sir I am a 30 years old service man having small income. I can invest Rs 2000/- PM. Please sugest me how I could get Rs 1 coror in age of 58 years and best SIP plan."
- HARPREET SINGH, 21st February 2011, Monday"Just want to have a knowledge about this plan, as i can invest here if i am satisfied."
- Senthilkumar Ramalingam, 3rd March 2011, Thursday"sir i want to inverst Rs.1000/- per month. how much i will get in 10 years & which mutual fund is best for me"
- sachin kashid, 6th March 2011, Sunday"Tell me best investment plan for a long period in reguler saving"
- Bhimrao sawant, 12th March 2011, Saturday"Best investment SIP at present Rs 6000/- per month , at least three SIPS i.e. Rs 2000/- per SIP. Please advise..."
- Dr Paramjeet Singh, 15th March 2011, Tuesday"I want to invest in long term SIP , around 20-25 years, for an amount of INR 6000- 10,000 per month. indly sugest me some good funds to invest."
- Sayantan Seal, 16th March 2011, Wednesday"Res. sir, Iam 30 years old and want to invest Rs. 3000/month in SIP for 25-30 years.What will I get after 25 years.Kindly suggest me some good funds to invest. "
- verendra kumar, 19th March 2011, Saturday"HI, I want to invest 3000/month in SIP for 25ys. can you pls tell me which is the best SIP plan now and in future too. can u pls tell me that shud i invest 3000 in one SIP or mutiple SIPs like 1000 in one plan and 2000 in another plan. which one is good.. pls tell me how much i will get at the end of 25yrs"
- Meerawalli Sha, 13th April 2011, Wednesday"Systematic investment plan is one and major way to create wealth. Equity investment is main for wealth creation. And SIP is a vehicle for this. Here you don’t have to time the market and have an advantage of rupee cost averaging. I read an good article in a website called www.want2rich.com. I am sharing the link: http://www.want2rich.com/2011/05/personal-finance/the-power-of-systematic-investment-plan/ . It can be helpful for you."
- soumya, 28th May 2011, Saturday"i want to take best return sip plan so please advise us which is the best sip plan for 2011"
- manoj halpati, 10th June 2011, Friday"dear sir i want to save 1000 rs per month regularly to be a millionaire in future so please suggest me a good SIP for that and also suggest me such asset management company which is reliable and can manage my saving by debiting direct from my account. pl help me with your vast experience in this field."
- naresh gupta, 11th June 2011, Saturday"per month Rs 3000 invesment 25 year 1 cr i have invesment at present july 2011 pls sent best SIP system"
- sankaravadivelu, 26th June 2011, Sunday"I have interst in SIP per month 5000 Rs."
- Jayantibhai M Patel, 17th July 2011, Sunday"sir i want to inverst Rs.1000/- per month. how much i will get in 10 years & which SBI mutual fund is best for me "
- sandeep, 23rd July 2011, Saturday"Dear Sir, My Age is 37 please advice about SIP (2000 - 3000) for 20 year please advice which is best for us Best SIP Plan "
- viren vyas, 23rd July 2011, Saturday" Dear Sir, My Age is 32 please advice about SIP (1500 - 2000) for 20 year please advice which is best for us Best SIP Plan"
- sushil, 25th July 2011, Monday"i will start a sip form 15 year monthly intalment my goal is 10000000 ruppes so sugges me wich fund i will invest"
- amit paul, 28th July 2011, Thursday"investing 1000 each in3 sips hdfc top200,reliance regular saving fund growth,reliance equity opportunity fund since 1 year.what possible amount i will get after 20 years"
- shailendra vikram singh som, 31st July 2011, Sunday"dear sir my age is 23 please advice about sip(1500-2000)for 25yrs so kindly suggest me about that for best to best"
- dheeraj goel, 6th August 2011, Saturday"WHY PROFESSIONAL TAX LEVID ON SIP????????"
- AMITABHA SAHU, 7th August 2011, Sunday"i want to invest 10000rs every month so what will be the place to invest in.and what are the returns expected and what are the risk factors"
- Hemant Patel, 9th August 2011, Tuesday"I want to invest rs. 1000 per month for 5 years. how much i can earn. plz reply on email ID."
- Krishna Kumar Verma, 12th August 2011, Friday"Which are the best SIP plans available now.Is SBI Magnum Contra good or HDFC Prudence. Please guide"
- Beena B, 13th August 2011, Saturday"12000 per month in 3/4 plan including one gold plan"
- santosh, 23rd August 2011, Tuesday"want a sip plan"
- aruna mishra, 23rd August 2011, Tuesday"whice is best sip plan "
- Tarak Vyas, 27th August 2011, Saturday"Hi Sir my age is 28 i would like to go for SIP of monthly 2000-3000 please suggest me good plan for SIP Please to my mail ID."
- Yogesh T, 2nd September 2011, Friday"pls call me."
- sudhakar, 4th September 2011, Sunday"can you advice me the following: 1) Total maturity amount desired - 50lakh 2) Tenure - 20yrs 3) best plan for above 4) Risk involved 5) interim liquidity"
- SOUMICK, 8th September 2011, Thursday"sir ..i am just a starter working with religare ...i ave started two sips dfc top 200 and reliance regular saving fund ...just want to knw anoter one of te best sip i can invest into can i opt reliance old saving fund , as old prices in one the peak ..is it te rit time to invest in tis sip and if not ten pllz suest me ny of the sip plan in which i can invest and get the maximum return . "
- ankur pandey , 11th September 2011, Sunday" HI, I want to invest 5000/month in SIP for 25ys. can you pls tell me which is the best SIP plan now and in future too. can u pls tell me that shud i invest 5000 in one SIP or mutiple SIPs like 1000 in one plan and 2000 in another plan and also 2000 in another plan. which one is good.. pls tell me how much i will get at the end of 25yrs "
- suchita dewangan, 11th September 2011, Sunday"if i deposit 1000 rs per month for 10 years. if return is say 9% per annum compunding, what maturity amount i will get"
- anurag, 12th September 2011, Monday"Hi Sir my age is 21 i would like to go for SIP of monthly 1500-2500 please suggest me good plan for SIPfor 5years . Please send details to my mail ID."
- sunil joshi, 15th September 2011, Thursday"Hi Sir my age is 26 i would like to go for SIP of monthly 2500 please suggest me good plan for SIP for 5years . and in future i want to increase the amount of investment so, there should no restriction for the same Please send details to my mail ID."
- alok, 25th September 2011, Sunday"Sir, I am a NRI Employee, working at KSA. Now My Age is 31. I would like to go fro SIP of monthly Min.1000. Please suggest me good plan for 10 years. please send details to my e-mail ID"
- sajith kumar, 26th September 2011, Monday"i just want one crore after 20yrs and can invest 3000 each month of "
- Kumar Pranay Sinha, 27th September 2011, Tuesday"i need advice for investment"
- bhavin parikh, 30th September 2011, Friday"i want toknow more"
- surbhi, 1st October 2011, Saturday"i want to start investment in SIP 2000/- PM. please suggest best Funds"
- Deepak Shriram Dakhore, 7th October 2011, Friday"It was usefull. But missing the practical guide towards investing. i.e. the direct path to start investing. "
- Mufaddal, 15th October 2011, Saturday"top 5 sip in 2011"
- vishwas, 16th October 2011, Sunday"i want 1500/-p.a 10 years 10 lakhs rupees scheme plez give me prospects"
- sivaprasad.k, 17th October 2011, Monday"I want to invest monthly 2000 /- in SIP, please suggest me the top performing companies to invest."
- Lavanya Gaddam, 19th October 2011, Wednesday"hi, i want to invest into sip by depositing 4000/- per month for 5 years .plz suggest me the best plan"
- shivani, 19th October 2011, Wednesday" just want one crore after 20yrs and can invest 3000 each month of "
- bhaskar, 21st October 2011, Friday"i want to investment but i m confused, which is the best mutual fund plan in which i can get high returns i want to invest minimum 10k every month for 5 years pls help me & provide useful suggestion ASAP. THANKS"
- shashikant suresh patil, 24th October 2011, Monday"Dear All, Greetings from Jalal.M.Rizvi..My date of Birth is 14/12/1954 So,on this 14th.Dec.shall be 57 years old..Would appreciate if you could kindly email me,A suitable Plan,like the one given as example of SIP Rs.500/monthly,at an early date.. Thanks,Jalal. "
- Jalal.M.Rizvi, 29th October 2011, Saturday"WANTS TO INVEST 3000 MONTHLY FOR 15 YRS PLS SUGGEST THE BEST PLAN "
- HITENDRA GUPTA, 31st October 2011, Monday"Want to know about SIP investment"
- Vinutha Patre, 2nd November 2011, Wednesday"i want to invest 1000 per month for 5 years plz give me suggest the best company..thanks."
- Rahul Singh, 4th November 2011, Friday"I WANT TO EARN 10 LACS IN 20 YEARS BY SIP/MUTUAL FUND INVESTMENT.HENCE HOW MUCH I HAVE TO INVEST PER MONTH"
- ASAITHAMBI .P, 5th November 2011, Saturday"Hi, I want to invest Rs 6500/- per month,but i will assured returnus even though i may be getting less profit end of the scheme. Kindly sugget."
- avinash, 5th November 2011, Saturday"I Wants to buy Best SIP plan"
- Mukesh Srivastav, 11th November 2011, Friday"how much minimum amount we invest in sip tell me in systematic investment plan in which plan i invest"
- Sanjay singh, 13th November 2011, Sunday"I want to invest 2000/ month in SIP can you tell me the best SIP plan which can help me in getting good returns out of that."
- Gaurav Pathak, 16th November 2011, Wednesday"Dear Sir, let me know the best SIP for monthly invest ment so that within 15-20 years it may touch 1 crore."
- paramita rajkumari, 25th November 2011, Friday" I want to invest 1000/ month in SIP can you tell me the best SIP plan which can help me in getting good returns out of that."
- vivek , 29th November 2011, Tuesday"Please suggest SIP for 20 years and 10 years with good return with monthly investment of Rs. 1000."
- Samir Modasiya, 30th November 2011, Wednesday"Please suggest best SIP plans for this year."
- Visakhan k, 1st December 2011, Thursday"i like to invest small amount yearly for 15 years. to avail the tax benefits and tax free returnes . just like to know where to invest "
- manjit singh, 4th December 2011, Sunday" I want to invest 1000/ month in SIP for 15 Year can you tell me the best SIP plan which can help me in getting good returns out of that."
- Jatinder Singh, 6th December 2011, Tuesday"invest 500 monthly plan "
- ANKUSH SHANKAR PAWAR, 10th December 2011, Saturday"sip"
- aravindh, 10th December 2011, Saturday"i want to invest 5000 p.m so give me some ideas where can i invest my money"
- BHARAT TALKAR, 14th December 2011, Wednesday"I want to invest 2000/ month in SIP for 10Year can you tell me the best SIP plan"
- Arpit Shrivastava, 22nd December 2011, Thursday"Sir, i want to earn 10 lakh by sip mutual fund in five years.hence, how much invest per months ?"
- Abhimanyu singh, 6th January 2012, Friday"please suggest me where can i investment my money through sip"
- sandeep singh, 6th January 2012, Friday"want to know the all detail from basic to technique like, req of op account, investing criteria, how amt will go from my side, when i can quit fromthe scheme etc. "
- VIKAS GARG, 15th January 2012, Sunday"Dear sir, I am Rantu, 24 years old salaried young man and interest to invest Rs.15000 in two different SIPs for 25years . Please tell me about the returns after 25years.Please e-mail me only."
- Rantu, 18th January 2012, Wednesday"Dear sir, I am rahul, 31 years old salaried young man and interest to invest Rs.5000 in different SIPs for 20 years . Please tell me about the returns after 20 years.Please e-mail me only"
- rahul, 27th January 2012, Friday"send email regarding investent plans"
- pankaj, 29th January 2012, Sunday"i am looking for sip"
- sudhir bhalerao, 30th January 2012, Monday"investment 500-1000"
- amit, 30th January 2012, Monday"Sir, I want to invest 2000 Rs per month. pl suggest me, which is better option for me for getting good returns."
- salil, 4th February 2012, Saturday"i want to invest Rs1000 pm but in which SIP best plan which yield maximum return."
- Mahendra, 7th February 2012, Tuesday"I am having 3 SIP plans of Rs. 2000/- per month in ELSS for a lock-in period of 3 years. Pls tell me, can I withdraw the entire amount after 3 years invested in SIP Regards Priti "
- priti gupta, 11th February 2012, Saturday"http://www.indianmoney.com/article-display.php?cat_id=1&sub_id=11&aid=9&ahead=SIP%20-%20Systematic%20Investment%20Plan"
- radhika.maremanda, 11th February 2012, Saturday"Dear sir, I invest in SIP 500/- in religear equity fund growth and 500/- in SBI equity fund growth. Pls tel me everage how many return in 10 years. Thanks Gyan Shanker Patel "
- Gyan Shanker Patel, 11th February 2012, Saturday"Hi I want to invest 3000 pm in SIP for 10 years .Pls suggest ."
- pankaj agarwal, 11th February 2012, Saturday"Sir i am 24 yrs old. i am software engineer with salary 24000. i want to invest in sip for 3 yrs for my marriage please suggest good sip plan or investment in any plan for good returns."
- vijay patil, 12th February 2012, Sunday" I want to invest rs. 1000 per month for3 years. how much i can earn. plz reply on email ID. "
- s gururaj, 13th February 2012, Monday"Sir, I want to invest Rs. 1000/month for 20 years in SIP which is the best plan for me........how much i can expect from that."
- Dipak Kumar Gogoi, 14th February 2012, Tuesday"would plsss suggest the top companies for me to save"
- muzaffar, 15th February 2012, Wednesday" fifteen year,s plan to 1 crore"
- satish kumar, 16th February 2012, Thursday"i want to invest Rs1000 pm which is the SIP best plan that yield maximum return. duration - 10 years"
- sundar, 16th February 2012, Thursday"sir,how much wil i get after 20 years if i invest rs 4000 every month..n suggest d best options.."
- Arnab kumar, 17th February 2012, Friday"Hi, I am Neha,I want to invest 2000 Rs per month in different SIPs for 2 years . Please tell me about the returns after 2 years."
- Neha, 17th February 2012, Friday" I WANT TO EARN 25 LACS IN 20 YEARS BY SIP/MUTUAL FUND INVESTMENT.HENCE HOW MUCH I HAVE TO INVEST PER MONTH. AT PRESENT INVEST IN HDFC GROWTH FUND RS.2000 PM PLZ REPLY E MAIL ONLY"
- SANKHO GHOSH, 17th February 2012, Friday"."
- Bharat Singh Anjna, 19th February 2012, Sunday"Dear Sir I am 30 years of age and working in Pvt Company. I want to build up a corpus of Rs.1 crore at the end of the 10 year from now. My monthly saving is around 12k-13k per month which can be invested. I am ready to invest in diversify portfolio also ready for taking 50% risk on investment. As time goes I will increase the investment by 2k-3k per month after 1 year. Please suggest the funds and investment pattern which will be suitable for my target. Thanks Prasad Naik Mob.9819425596"
- Prasad Bhagwan Naik, 19th February 2012, Sunday"I want 1 lakh after two years for this target how much i invest and where it will be invest give me suggestion "
- Amit , 20th February 2012, Monday" I want 2 buy best sip plan"
- Amit, 21st February 2012, Tuesday"Best sip plan"
- Amit, 21st February 2012, Tuesday"plz advice me as i am new to such investments and have only lics.let me know as i want to invest about 3-5000 rs per month in some sip so that i can get some start."
- gaurav gangwar, 22nd February 2012, Wednesday"i want to invest 2500 per month 10 years in two different plans kindly suggest me which is the best plan for me"
- bhagwati, 22nd February 2012, Wednesday"i am 40 year old i have invest 2000 par month in 15 year and"
- sanjay jaiswal, 25th February 2012, Saturday"I need your advice on selecting the fund for SIP investment. i want invest 30K per month, "
- Ramesh, 28th February 2012, Tuesday"i want to invest a pricipal amount of 25000 per month for a period of 10 years.How much return will I get on my investment through a SIP after the 10year maturity period?Please advice."
- aziz, 1st March 2012, Thursday"Sir, I like to get 1 cr. with in 20 years. I like to invest Rs.5000/P.m. Suggest me write mutual funds. Thanking you. "
- A.Vincent, 4th March 2012, Sunday"i am 40 want 2000/mnth sip which is the best"
- laxman, 4th March 2012, Sunday"good"
- manoj, 5th March 2012, Monday"How to get 25 Lac in 5 yrs. send me the best plan .i want to invest in SIP and how much money have to be per month."
- Anil Kumar, 7th March 2012, Wednesday"I would like to invest money Rs. 2000/-per month for 15 years. therefrore I kindly request you to guide me in this regard. Thank you"
- VINODBHAI GAVDA, 11th March 2012, Sunday"i am 37yrsold i have invest 2000 per month in 15 yrs which company is best and also suggest me wich company i choose for term plan insurance "
- inderjeet maurya, 12th March 2012, Monday"Want to invest in various SIP Scheme."
- S S Vanket Rao, 12th March 2012, Monday"suggest me what is the best time to invest in SIP & in which fund should i invest,i am looking forward to invest Rs.2000- Rs.3000 per mon. for 25 years,please advice"
- amit singhal, 14th March 2012, Wednesday"pls mail me plans of investment plans"
- anu, 14th March 2012, Wednesday" How to get 25 Lac in 5 yrs. send me the best plan .i want to invest in SIP and how much money have to be per month"
- anu, 14th March 2012, Wednesday"I can invest 7500 p.m, please suggest me best SIP mutual fund"
- anupam dey, 15th March 2012, Thursday"Hi Sudheer, Just wanted to know how frequent an investor should keep an eye on the units alloted through SIP and what are the unit allocations in market. Also how and when to manage these."
- Shweta Tiwari, 15th March 2012, Thursday" i want best sip plan "
- Amit, 15th March 2012, Thursday"I want to invest Rs. 5,000/- p. m. for 3 years for best returns, please advice me the best plans, preferring SIP"
- ashok kumar, 18th March 2012, Sunday"I want best SIP plans for 3 years"
- ashok kumar, 18th March 2012, Sunday"DEAL ALL WICH IS THE BEST INVESTMENT FUND. WHERE I GET MORE STABILITY."
- ROOPAK GUPTA, 19th March 2012, Monday"I want to invest 5000pm where i can invest and get more benefits and stability."
- ROOPAK GUPTA, 19th March 2012, Monday" I want to invest 5000pm where i can invest and get more benefits and stability"
- rks, 20th March 2012, Tuesday"i am 39 year old i want RS.5 lac after 3 year suggest me the best companies and how much i invest. Thanks"
- Anil Kumar, 28th March 2012, Wednesday"i am 39 year old i want RS.5 lac after 3 year suggest me the best companies and how much i invest. Thanks"
- Anil Kumar, 28th March 2012, Wednesday" I can invest 3000 p.m, please suggest me best SIP mutual fund"
- umesh kumar, 28th March 2012, Wednesday"I Want to know how safe are these SIP are. & i want to invest 2000/pm for 5yrs. What should be return ."
- VINOD SINGH, 29th March 2012, Thursday"I want to know the best investment scheme for investing in Mutual Fund"
- Chandra Sekhar, 30th March 2012, Friday"I want to invest 1000/month for 3-5 years in the SIP plan but which is suitable for me ?"
- bishnu, 20th June 2012, Wednesday"Dont no.... I have no ideas"
- Rajib Sahani, 25th June 2012, Monday"hi, i would like to earn 50 lakhs after 5 years. so what would be the income i need to invest per month and where can i invest?? "
- Rex John, 10th April 2012, Tuesday"Rs.500/- P.M"
- anup kumar banik, 12th April 2012, Thursday"need some info."
- Rakesh Singh, 12th April 2012, Thursday"need some info. on sip"
- Rakesh Singh, 12th April 2012, Thursday"I would like to invest in some good SIP for next 25 years"
- Amit Mondal, 16th April 2012, Monday"i want to build a good port folio for my future"
- sumi, 17th April 2012, Tuesday
