ULIP Charge Explanation!

Hemi a tawp ber hi han en vang vang la.. Internal rate of Return atangin an chhut tih i hmu thei ang.
A awmzia chu… Kumtin Rs.100 premium atan i pe char char a, Kum 10 chhung atan; I pawisa dah hi kumtin 10%p.a in alo pung bawk ani. Chuan a khawlkhawm zat chu; Rs.1594/- a ni.

Mahse hemi zat hi an pe dawn lo che a, charge neuh neuh an deduct hnu ah chuan Rs.1515/- hi i dawn tur tak a ni.

He an charge zat hi Internal Rate of Return hmangin an chhut ta a.. 10% pung char char kha.. I tan chuan 7.43% chiah pung ang a ni ang. Internal Rate of Return (i.e 7.43%) tam a piang hi an charge tlem tihna
(Internal Rate of Return chhut dan hi a buaithlak deuh, Financial Calculator nen a inhrilh fiah loh chuan a tih dan a om vakin ka hrelo)

A lem atanga a hmasa ber hi han enla.. ULIP zinga charge tlem na ber : Plan – ClassicLife Premier
Insurer – Birla SunLife tih khi i hmu anga.
A awmzia chu, Kumtin 10% interest nei se, an charge zat chu kumtin 10% atang hian kumtin 1.93% hi I capital pung atang khan an ei char char tihna ani. Chuan a bak zong 8.07% khi i interest neih dik tak!!

A lem atanga a tawp ber AvivaLife ho Plan : LifeSaver khi han en leh la; I interest neih 10%p.a anih chuan, 3.91% (10-6.09) hi kumtin an charge sak che. Chuan i interest neih diktak chu 6.09%p.a (10-3.91) a ni. [ Interest 15%p.a anih pawn 3.91% tho kumtin an eisak/charge tihna, chuan i interest diktak chu 11.09%p.a (15-3.09)] (Hengho hi a charge tlemna list anni a.. a tlangpuiin 2%-4% kumtin I interest hmuh/neih atangin an cut sak ang che..)

“As per estimates by brokerage firm Edelweiss, for a typical back-loaded policy, the difference between gross and net yields to the policyholder ranges between 2.1 per cent and 4 per cent. This difference, according to Edelweiss, is likely to be higher for high charge front-loaded policies (4-4.5 per cent).”

Hemi awmzia chu.. ULIP typical back-loaded ( Yearly premium, Half yearly premium, vawikhata premium pek nilo, kumtin pek ngai chi) ah a tlangpuiin 2.1% atanga 4% thleng I interest neih atang khan an deduct thin tihna..

Entirna: Khimi a charge tlem berna BirlaSunlife ho scheme, ClassicLife Premier khi han en vang vang la… i interest neih 10%p.a anih chuan 1.93%p.a an deduct tihna a ni..

Chuan a interest khi 15%p.a anih chuan, atlangpuia lakin i interest rate neih diktak chu (15% – 2.1%) 12.9%% atanga (15%-4%) 11% tihna ani ang.
India ram ULIP a charge tlemna ber (BirlaSunlife’ classiclife premier) ah pawh kumtin i interest atangin 1.93% an deduct char char tihna ani.
ULIP ah re re, kum 3 atanga kum 5 thleng i khawltlin loh chuan khitiang zat aia tam khi i chawi angai tihna, a tlangpuiin kum 3 khawl thlen pawn Ila loss thei hle ani. Kum 5 chin atang hian khitiang kan sawi tak charge khi applicable chiah