"We trust that you will avoid using harsh language and will refrain from making unsubstantiated allegations against individuals and firms. Your constructive feedback and opinions are very valuable to all of us in the industry. "
nice work, true facts, people are still very confused about the ulip, taxation on surrender and partial withdraw and yes banks are misselling a lot. so good job
Thanks for sharing facts.
Simply Superb
superb analysis
Good Job sir, Great analytical work in excel sheet for IFAs.
Coincidentally, today ET Wealth also published an article on the same topic in the "Invest" section. Although I feel that the presentation in this article; especially for the Distributor community is far more appealing. The Excel sheet goes a long way towards clearing up a few misconceptions and a few doubts. Thank you Jigneshbhai, for always looking out for us; Distributors; with the pearls of wisdom like this one and "Sell 140 SIPs and become a Crorepati".
There is flaw in this. In case of ULIP the chgs include fund management+GST. Hence the diff b/w gross and net yield is 1.55%, which is basically TER. In case of MF if we consider TER at 2%, then ULIP will looks better. I agree with other points wrt to transparency, better research and flexibility. Thanks
Thanks for excellent analytical presentation ! Thanks to Mr Manthan Shah for the hard work to show us the difference : 16% more return to Client, & 846& more earning to MF distributors Enough to bust the myth !!!
Excellent working Manthan. Like father like son.
Lets not expect expensive honesty from cheap , sale and run bankers or from all those misselling insurance priple. Term , MF, PMS are better option for our clients, irrespective of what we are getting, where. Let the right product previal.
This is informative no doubt..But have we considered the aspect that most MF investors inspite of being counselled do not stay invested over more than 8/10 years...Will MF trail continue in the future ? With so much of advancement in technology we MF distributors also need to invest in technology and other issues with MFs .vis a vis ULIPs where there is hardly much to be done ..Just a thought,
good suggestions for which product makes better business
really a good insight by shah sir . commendable job