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Insurance recommendation - A healthy policy that ticks the right boxes
Insurance
Bipin Ramachandran

Insurance recommendation – A healthy policy that ticks the right boxes

Often, researching for your health insurance doesnโ€™t stop at finding a good insurer and policy. The sub plans, options, and addons under a policy warrant more research to find out the best combination for you and to help you squeeze out the most benefit from your policy.ย Today, we take up Bajaj Allianz Health Guard, with a wide range of sub-options that can make it better.

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Prime Review: LIC's New Jeevan Shanti
Insurance
Bipin Ramachandran

Prime review: LIC’s New Jeevan Shanti

With the Budget plugging the tax break on guaranteed income plans from insurers, annuity plans are back in the picture as the go-to option for investors seeking guaranteed payouts after retirement. LIC has recently relaunched its popular deferred annuity plan as New Jeevan Shanti (Plan No. 858).

Letโ€™s see how good the plan is and how it stands against competition in todayโ€™s Prime review.

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LICโ€™s New Pension Plus - can it replace NPS?
Insurance
Bipin Ramachandran

LIC’s New Pension Plus – can it replace NPS?

In September 2022, LIC launched a new pension product. LICโ€™s New Pension Plus – LIC’s NPP(plan number: 867) with features similar to NPS. In the case of NPS, the default retirement age is 60. But in the case of LIC’s NPP, you can choose the policy maturity age and this can be as early as 35. So, does the LIC’s NPP score over NPS? Letโ€™s find out!

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Prime review: LICโ€™s Dhan Sanchay
Insurance
Bipin Ramachandran

Prime review: LICโ€™s Dhan Sanchay

LICโ€™s Dhan Sanchay offers a guaranteed income or a guaranteed lumpsum benefit, in return for either single or regular premium payments. It also provides life cover. This is a non-linked, non -participating, individual savings plan. This effectively means that the returns from this plan are not linked to the market or LICโ€™s own performance.

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A health insurance policy for the cost-conscious buyer
Insurance
Bipin Ramachandran

A health insurance policy for the cost-conscious buyer

When it comes to health insurance, PSU insurers may not offer the friendliest products, but they certainly score on claims settlement and affordability. Here, we review an affordable policy from a PSU insurer with a good claim settlement record.

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Health insurance for senior citizens
Insurance
Bipin Ramachandran

Health insurance for senior citizens

Health insurance for senior citizens is a hard puzzle to solve. As we age, the probability of hospitalisation and associated expenses increases. So, from a consumerโ€™s perspective, it makes sense to get medical insurance with good coverage. But for insurers, seniors policies are not as lucrative because most policyholders will more likely make a claim. On top of it, unlike life insurance, every health insurance policy is renewable for life. Insurers cannot stop servicing high risk customers once theyโ€™ve been given a policy.

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XIRR, Understanding portfolio returns using XIRR
Categories
Bipin Ramachandran

How to calculate XIRR portfolio returns

This article delves into the โ€˜XIRRโ€™ or extended internal rate of return and how it can be the best way to arrive at the returns on your portfolio that is unique to you, because two people can invest in the same fund but have very different returns.

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cost inflation index
Categories
Bipin Ramachandran

How cost inflation index helps reduce your debt fund taxation

Back on June 15th, the Central Board of Direct Taxes (CBDT) notified the Cost Inflation Index (CII) of the financial year FY 2021-22 as 317, against 301 for the previous year FY2020-21. This 5.32% spike marks a change from the lower revisions in earlier years.

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LIC New Jeevan Anand, LIC New Jeevan Anand Policy
Categories
Bipin Ramachandran

Whatโ€™s your return from LIC New Jeevan Anand policy?

The most popular of such endowment policies is a policy called the โ€œLIC New Jeevan Anandโ€. It makes a simple, attractive proposition to its policyholders – pay a premium for โ€˜nโ€™ number of years and get a fixed sum assured PLUS bonus at the end of this period. AND, when the policyholder dies post this period, the family will get the sum assured again. You benefit when you live and your family benefits when, eventually, you die!

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daily vs weekly vs monthly sips
Mutual funds & ETFs
Bipin Ramachandran

Daily, weekly, or monthly SIPs – which is the best?

Could upping the frequency with which you run your SIPs net you better returns? The primary aspect you look at in SIPs is that it helps invest across different market levels and therefore averages your investment cost down. If thatโ€™s the case, it follows that making very frequent investments will help capture more market volatility than just once-in-a-month investing.

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