Home loan interest rate benchmarks have kept on changing over the last decade. We used to have the Prime Lending Rate (PLR), which was replaced by Base Rate. The base rate, in turn, was replaced by … [Read More...] about PLR, Base Rate, MCLR and now RLLR (Repo rate linked lending rate)
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In one of our previous posts, we had reviewed a traditional plan from HDFC Life Sanchay Plus. In this post, let’s look at another popular traditional plan, HDFC Life Super Income Plan. … [Read More...] about Review: HDFC Life Super Income Plan: Makes sense?
Debt mutual funds are again in the news. On June 4, 2019, DHFL could not make the interest payment on one of its bonds. It says that it will pay in another week. Does not matter. Even the slightest … [Read More...] about The DHFL Mess: Learnings and What should you do?
Many people don’t trust insurance companies. You may pay the premium for many years but still can’t be sure if the insurance company will return the favour when you make a claim. This is a prominent … [Read More...] about Your Health Insurance claim won’t be rejected after 8 years
When we plan for a goal, we assume a rate of return on investments for the goal and plan investments accordingly. Picking up the long-term average return is a rational choice. Long term averages are … [Read More...] about How the Sequence of returns risk affects your Financial Planning?
No parent wants to compromise on their child’s education. In fact, child education is one of the most prominent goals for almost all my clients. Many readers write with their queries about investing … [Read More...] about Review: SBI Life Smart Champ Child Insurance Plan: Is it good enough?
ICICI Prudential Future Perfect is a traditional life insurance plan. A part of the maturity amount is guaranteed while the other part is variable and linked to the investment performance. In a way, … [Read More...] about Review: ICICI Prudential Future Perfect Plan: Not so perfect
While a home loan helps you purchase your dream house, an EMI is an unwanted by-product. If I were to tell you that there is a home loan product where you don’t have to pay EMI, what would you … [Read More...] about Axis Bank QuikPay Home Loan: A home loan without EMI: What’s the catch?
LIC New Jeevan Nidhi (Plan 818) is a pension plan from LIC. You invest for a few years. At maturity, you utilize the accumulated funds to purchase an annuity plan. Simple, isn't it? Let’s find out … [Read More...] about Review: LIC New Jeevan Nidhi (818): Pension plan from LIC
HDFC Life Sanchay Plus is a Non-participating traditional life insurance plan. That means the payouts are guaranteed. There is no market risk or risk associated with varying annual bonuses. You know … [Read More...] about Review: HDFC Life Sanchay Plus: The good and the bad