Happy New year

Dear Friends,

             Happy new year.... Hope this new year will get all success for every one of you... :) 

Best in Unit Linked Plans

Dear Friends,

           So many people will afraid to invest in unit linked products, most of the people know only one side of the coin of unit linked plan,  There is other side of the coin for these unit linked plans which offer us some kid of less risk, Lets see how these unit linked products work for a intelligent investor.

For example i am taking a product in which there are 5 fund options. The reason why i am taking like this is typically all the unit linked products will come with 5 fund Options and 2 to 4 switches free per year (in some funds there will be 2 free allotment switches free per year).

If we suppose two investors Mr.Mukesh and Mr.Mahesh how took this Unit Linked Plan ( any thing with insurance or with out insurance ), both invested 50K per year. If we suppose these people started investments in 2006 when markets (BSE-SENSEX) are at 10K levels, at these levels if they all ready invested two premiums then lets think the fund value is 1lakh, i will consider the funds in the Unit Linked Plan are Index performers ( most of the times funds will out perform the indices's).  

Lets see how these people made money in the markets with the help of unit linked plans.

           This image will show there funds values at levels when BSE Sensex fall to 8K in recent times. Mr. Mukesh used switching option provided by the Plan to grow his fund value and Mr. Mahesh Simple invested and stayed like that with out any switching in the funds.  

Simple logical thing every one should understand about this fund switching. when Stock markets are at low levels we should start putting our money and when its going up we should start with draw or move that to debt fund options provided in the Plan, these type of debt funds are not going to depend on the Equity markets. 

Lest so how this happened in this Scenario.. When Sensex is at level 10K both fund values are at 1,00,000 and when market reached 20K level there funds values gone up in a short time of duration so he switched his funds at 20K level to debt funds. after the 20K mark Sensex reached 21K level also but it started falling down.. this may be because of economic problems, in general there will be a small correction in the market followed by a relay in the market. 

At 20K level there fund value is 2,00,000 (2 lakh), because Mukesh moved his funds into debt fund there is no down fall in his fund value but for Mahesh fund is gone down with sensex. At 8K level Mukesh moved his funds (2lakh) in to equity oriented fund so when it gone up to 10K level (2.5 Lakh) the fund value he moved it back to debt fund. Ultimately he is with 2.5lakh now at the current levels. but where are Mr. Mahesh did not do all these things so he is with 75,000 now.

This is the big advantage of Unit Linked Plan over other investment Options ( Mutual Funds ). so if every one try to use this option what really help them to grow their fund value much better than any other funds.

why you need to plan for retirement?

Dear Readers,

Greetings from Ram Financial Consultancy, I would like to share some important facts with all of you about some pension plans which are use full for your tax planning as well as your retirement planning, now a days so many people are neglecting about the retirement plans. First i would like to share some survey results with all of you.



Year 2020 prices are just productions with minimum price increase in the products. Even in the worst situations prices may cross this or may be less also.




In above tables will show you how cost of leaving is rising in India, to day you are working so you can spend but thinking about tomorrow once you are retire from your job, Do you know how much you need to send per month for you and your wife to maintain same life style.

Your Today's Spending per month : 20,000 ( for a family of 3 people )
After 25 years from now expenses per month : 3,83,000 ( for a family of 3 people )

this table is created by taking the cost of leaving is rising @ rate of 9% per year. simple logic behind this.

So to ensured that you are maintaining the same life style you need to keep up and plan for your retirement.

Government is showing that inflation is near 5% from last 4 to 5 years but actually the prices are rising more than that. please keep your eye open so the real inflation.

For best retirement or Pension plan please contact us @

Email id : sriram.adviser@gmail.com
phone no : +91-9741598945 (India)
+1-408-250-9952 (USA)

Know about your ULIP

Dear Readers,

             Now a days agents are promoting more ulip's than traditional insurance plans, but still there are some terms which are not clear to the end customers, so i would like to present hear some details about the ULIP which may help the readers to understand about there ULIPS. 

First lets look into the charges and term involved in the ULIPS.

Most of the insurers try to be transparent about these changes in the brochures & in policy documents, most of the policyholders don't understand what they  are being mad to pay for. There are seven common changes that come with a ULIP:

• Premium Allocation Charges 
• Fund Management Charges 
• Policy Administration Charges
• Mortality Charges
• Fund Switch Charges 
• Surrender Changes
• Service Tax Deduction

Let's see these in details 

Premium Allocation Charges: The entry load charged on issuing the units under the policy. This normally includes initial and renewal expenses, apart from commission expenses.

Fund Management Charges : This is the free levied for management of the fund(s) and is deducted before arriving at the net asset value (NAV).

Policy Administration Charges ; This is the fee for administration of the plan. It is levied by the cancelling units worth the amount every year. This could be flat throughout the policy term or vary.

Mortality Charges : This is the cost of the insurance cover offered in the policy. Mortality Charges depends on a number of factors such as age, amount of coverage and health of the policyholder.

Fund Switch Charges : Most insurance companies offer four free fund switches in a year. The subsequent switches are charged.

Surrender Charges : A Surrender charge may be deducted for premature partial or full encashment of units wherever applicable, as mentioned in the policy document.

Service Tax Deduction : Before allotment of units, the applicable service tax is deducted from the risk portion of the premium. Some companies absorb this cost.

For more information  please contact :

Venkataramana.D

Email id : sriram.adviser@gmail.com

Phone No: +1-408-250-9952

This information is take form Money Today

Traditional Plan Vs ULIPS

Dear Readers,

           This is the table to comparision of Traditional insurance plan with Unit Linked Insurance Plan (ULIP). When you people are taking any dession about the insurance which you are planning to take, this table may help you in making such dession.

FEATURES	TRADITIONAL PLANS	ULIPS
Investment mix	High exposure to bonds and no choice to hike equity exposure	Policyholder can choose exposure to debt, equity
Transparency in cost	No	Yes
Alter scope of cover	No change possible in sum assured and premium	Freedom to enchance life cover, top up premiums
Charges	Variable charges through the term of the policy	Flat charnges throughout the term
Vary exposure to risk	No option for policyholder to alter exposure to risk	Possible to switch between fund options
Premium hoiliday	No	Allowed
Liquidity	Plociyholder can take a loan against the policy after three years	Partial withdrawals allowed after three years
Policy value	Complex calculation to arrive at paid-up value after 3 years	Surrender value indicated at the end of each policy year

this table is taken form Money Today 

For more details please contact our adviser 

Venkataramana . D

email id: sriram.adviser@gmail.com

phone no : +91-9741598945