Topic: Suggest me a a good retirement plan?

plz help

You have not specified you age . Assuming that you are young it is worth considering a unit linked pension plan. The reason why you should consider a unit linked plan is that over a long period (10-15 years) equities tend to outperform all other asset classes. Some good plans that you can consider are Max New York Life Smart Invest Pension Plan, HDFC UNIT LINKED PENSION II, SBI LIFE Unit plus II pension, Aegon religare Pension plan, ICICI lifetime pension, Birla Sun Life Insurance Flexi Secure Life, Aviva Pension Plus, Reliance Super Golden Years Plan and Tata AIG Life Invest Assure Future.

Plan chosen should be increasing/indexed premium options and you should also consider waiver of premium benefit option.

This message was edited 1 time. Last update was at 15/06/2009 11:47:42

Perhaps if you are looking for a secure retirement, a speculative ulip can not help you.

Pension schemes are an option, but they are taxable.

Tax free retirement plans need to be designed. Such plans provide security, guarantee and insurance.

This message was edited 1 time. Last update was at 08/09/2009 09:28:29

Hi Abha,
Here is an online tool which I would like to recommend you which helps people to plan insurance according to their need & budget especially in retirement plans. It also helps you to calculate pension which you would gets after retirement.

This message was edited 1 time. Last update was at 04/10/2009 19:57:08

i am lic agent if you give me your email id i will send you retir

HI ,
SOME OF THE BASIC FACTS YOU SHOULD FOLLOW WHILE PLANNING FOR RETIREMENT .
TIPS FOR PLANNING FOR RETIREMENT

1. Select a target date for your retirement.
2. Estimate how much money you need to accumulate by your designated retirement date.

3. Find out about your PF ,GRATUTIY (look for the statement that comes each year ).

5. If your employer doesn't have a pension or retirement plan, ask that one be started. .

7. Don't touch your savings. It is a good idea to maintain long-term and short term savings. Long-term savings should be off limits for everything except retirement. Use your short term savings for emergencies or short falls.

8. Diversify your assets.

9. Ask questions. Get help. Seek the assistance of a professional financial advisor.

10. Begin now and set clear short term and long term goals. Review your progress at least annually.

11. Observe penalties and taxes when considering any withdrawals as penalties can take quite a chunk out of your nest egg. Search web sites for the highest available rates on your investment returns.

12. Refuse to fall for any investment scams.

14. Calculate the estimated mean inflation rate for the rest of your lifetime.

TO MAKE IT SIMPLISTIC PLAN YOUR NEEDS,WANTS,DESIRE,CALCULATE WHAT IS YOUR SURPLUS AFTER MEETING YOUR OTHER EXPENSES OR GOALS .

HEMANT SHRINGI.

Hi,
The best one for ur requirement is Birla Sunlife Freedom-58 or for one time payment ,Immediate Income plan from Birla

Hi Retirement Plans all connected With ULIPS ... so pleas go for Long term ... and check with SBI LIFE UNIT PLUS 3 Pension .. the give u addi benefits 5% evry year from 5 th year on words and you can start your pension form Age 0f40

gentlemen...

I am really surprised as to why people suggest endowment policies or ULIP..where the initial swallow your initial invesment...It is not worth it..!

Go for a pure term policy or if your health is good...go a for Personal Accident policy (Rs. 45 per lakh)..

Remember any other suggestion from brokers.....it is good ............for the brokers and not for you..!

Give me your few details, I will send you a presentation. through this you will get Tax Free Pension with high risk cover.

1. Your Name
2. Your Email Address
3. Your Age
4. Age from when you want Pension
5. Desired Pension amount or Premium Budget

Regards,

Bhupesh Khurana
Financial Advisor
# 9810677172
Email: khurana.bhupesh@yahoo.com

Hi Bhupesh...

Kindly uggest a pension plan for me:
Name-Shiv
Age- 25
email id-vohra.shiv@gmail.com
Premium-20k-25k p.a
Vesting-50yrs

Also suggest god term insurance plans for my age for a 25l cover.

Regards
Shiv

M.rahuf wrote:Hi Abha,
Here is an online tool which I would like to recommend you which helps people to plan insurance according to their need & budget especially in retirement plans. It also helps you to calculate pension which you would gets after retirement.

Retirement planning is only part of a wider process of economic planning.Systematic investment plan is the best way to finance retirement or pay taxes to the huge administrative and other insurance companies, which ultimately saves a consultant or broker Rights of fees. The best part if you invest directly in the management company.

Hey guys,,,,,,,,thanks for ,nice sharing,,,,,,,,,,,

What is Indexed Premium?

softsguy007 wrote:Hi Retirement Plans all connected With ULIPS ... so pleas go for Long term ... and check with SBI LIFE UNIT PLUS 3 Pension .. the give u addi benefits 5% evry year from 5 th year on words and you can start your pension form Age 0f40

Wow !!!!! I like this suggestion in this site.....
its very useful for us.....thanks a lot for sharing that,,,,,,,,,,,,,,,,,,

reagrds.
kajal

This message was edited 1 time. Last update was at 11/01/2012 00:54:19

i am also looking for the same

This message was edited 1 time. Last update was at 12/05/2011 17:19:18

Hi guys....Here is an online tool which I would like to recommend you which helps people to plan insurance according to their need & budget especially in retirement plans. It also helps you to calculate pension which you would gets after retirement......

regards......

kajal

Kindly suggest a Retirement Strategy plan (No Pension Plan)for me:
Name-Bharat
Age- 29
email id-er.bharat.sahni@gmail.com
Premium-20k-25k p.a
Vesting-25yrs

Also suggest god term insurance plans for my age for a 1 Crore cover.

Regards
Bharat

Hiii...
i like to know the best pension plan with maximum return...
kindly guide me...
DOB: 27/12/1982
Want pension after age of 60
like to invest 50000 per year

sourav
9227158145

In this regard, you can choose <a href="http://www.rupeetalk.com/life-insurance/aviva-life-insurance/">aviva life insurance india</a> as a retirement plan. There are several other <a href="http://www.rupeetalk.com/life-insurance/">life insurance companies</a> that are offering the best insurance solutions

In this regard, you can choose aviva life insurance india as a retirement plan. There are several other life insurance companies that are offering the best insurance solutions.

AbhaAgarwal wrote:plz help

trendspharma@gmail.com

jeevan akshay of lic will be always better option for retirement plan.

i am gaurav development officer in lic of india. if any one from mumbai want to take retirement plan can contact me 7208822646.

There are many retirement plans available in the market which offers you impressive features at reasonable premium payment cost. I would suggest you to get quotes from various insurance providers online and accordingly select a retirement plan which offers you good savings and features.
I have purchased a pension plan from Bajaj Allianz called Bajaj Pension Guarantee Plan. With Bajaj Allianz Pension Guarantee Plan, you can ensure a regular income after retirement. The plan offers you a range of immediate annuities to choose from. All you have to do is pay a lump sum amount to Bajaj Allianz Life Insurance Company, and the annuity payments will start after expiry of monthly/quarterly/half-yearly/yearly interval corresponding to the payment mode selected by you. Under all options, annuity is payable for life, so you don't have to worry about your income stopping at any age.

My husband invests in aegon religare retirement insurance and I like this insurance policies and plans. Check this insurance I hope you like it. http://www.aegonreligare.com/retirement-pension-plan/retirement-pension-plan.php

I would recommend having HDFC Life retirement plan .. i found a link for you as well :- http://www.hdfclife.com/Products/RetirementPlans/PensionPlan.aspx
check it as all the needful information is provided online on the site with all the benefits and more ..

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