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Having worked for insurance companies for years I can tell you that THIS IS FALSE

Pata hai.....kuch aur bata

PMS is created to benefit fund house rather than investors.. majority of PMS house are not able to beat Nifty, forget the alpha..its for ultra rich people who have lot of spare money and they don’t bother to get high returns, just avg returns are fine.. PMS are not for common man ..

It's a product created for AMCs to make more % margin.

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the right sunday brew

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The Adani episode has tarnished the image of SEBI the regulator of Indian stock markets If the middle class realises it is doing SIPs in a crocked market indulging in Crony Capitalism than .................

Please confirm the book means that you just mentioned in the podcast all the book names

Rupee-dollar weakening returns is not accounted

I read section 45. He's appears to be right

As soon as old tax regime is pulled out, everyone should should take out money from so called 80C. All tax free FDs, no EPFO deduction at (only min 1800 will put is that also can be avoided should make it 0), no more investments in govt bonds, no more top-ups in NPS etc. because when they say tax free while taking money they should atleast give relax till it's lock-in like 5yrs for Tax free Fds etc. Everyone should invest where is more return than these govt schemes

there is a cap to how much interest can NPS generate. unlike stocks or real estate .. where returns are not capped.

what happens if someone with NPS settles abroad and decides to retire abroad? Is there any way to redeem the funds?

Pls update more on Health insurance.

Wow, this information is golden! I’ve already paid for a 3-year premium on my health insurance. Will this applied to health Insurance also

Don't spread wrong information - Section 45 of the Insurance Act of 1938 states that a life insurance policy cannot be challenged after three years from the policy's effective date: The date the policy was issued, The date the risk began, The date the policy was revived, and The date the policy rider was added.   The only exception is if the policy is being challenged on the grounds of fraud. Fraud includes: Making a false statement, Concealing a fact, and Any other act intended to deceive.  If the insured can prove that the misstatement or concealment was true, the insurer cannot repudiate the policy. If the policyholder is deceased, the burden of proof is on the beneficiaries.

Aaa😂😂😂

He’s wrong. There’s a fraud exception. Please read section 45.

Can you show this where it is mentioned in this video too??

Pooln. V

thank you kind sirs

Anupam Ji, a request to you. If possible try to get Mr Sankar Naren CIO of Ipru Amc to your channel, it will definitely be great to hear his thoughts on equity.

Very informative podcast. Great questions asked by Anupam. And excellent indepth insights shared by Ashish.

So the argument is that lockin is a virtue ... Wow ...

Great insights from the guest. Would like hear more from this guy. good interview overall but suggest more to allow the guest to give his view that interviewers suggestions

It’s now 5

Buy stock as investment, buy as home real estate or commercial as rental - check with economists

They have three whole fucking years to detect the fraud Does they sleep for three years at their desk without detecting fraud?

Really commendable to see that way it came out.. amazing to hear Mr. Sriram Iyer and kudos to Anupam Ji for getting such highly intellectual people on your podcast. Legacy of knowledge !!!

Is this applicable for term insurance also

Very true, all our data are available to agents/back agents and competitors. Not just insurance , also our loan details , card limits , type. On top of this bank agents have access to our bank balance.

Loved it! Thank you.

Super podcast on NPS. Much needed. Thanks a lot

Wrong statement, fraud is an exception to Section 45

What a podcast !!! Crisp, Concise and Candid. Anupam is superlative with the pertinent questions and Mr Ashish is outstanding with clarity of concept & articulation. Thoroughly enjoyed. Looking forward for an another marvel, Mr Anupam

Pls share your Twitter ID sir

Great insights

Great 👍

exactly the entire product line up aimed at top 1-2% as people below that percentile can’t even afford the real estate in India. Entire media talks about high demand but very few focus on deep diving into focusing on bottom 90-95% who are struggling to acquire a single home for them in their entire life time

Worth watching 👍

The host is a strong proponent of active funds, from what I could gather after watching a few videos of his. Look at his face when the data of active vs passive investing was mentioned!

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Plz dont be so sure, even on stocks LTCG was zero once, by the time its time for withdrawal it will be taxed @ 30% after slab deduction 😂

Ok correct but section 45 Explanation I- For the purposes of this sub-section, the expression “fraud” means any of the following acts committed by the insured or by his agent, with the intent to deceive the insurer or to induce the insurer to issue a life insurance policy:- Material fact

14:51 is there some law around this? I guess not since companies increase premium every year without any significant change in their risk profile. Telling them that there's a new condition can increase premiums

To find a good insurance company also look IRDA Website data about # of complaints raised to Insurance Omburdsman...more complaint means more risk....in Yr 23 24, there were #34203 complaints raised for Health insurance !! Out of which #13,308 complaints ( 40% !! ) were for SINGLE company !! The same company which is in limelight for all wrong Reasons... So choose insurance company with more Trust, Financial condition to safeguard ourselvs

instead of huge Health cover of 1 Cr, better to buy modest cover of 15 L per Person with SUPER TOP Up cover for 50L, this will be much cheaper & helps.....and most important, first we do ensure to be focussing more on Health management with Good Diet/Food habits, Regular Moderate Exercise, Good Sleep ...these dont cost much...but helps to maintain health....investing in Prevention should be First Priority backed by adequate Health & Life insurance

There is no guarantee that maturity amount would be tax free. Now a days budget is unpredictable

Great insights about the vacation rental segment. Thanks a lot to both of you for this podcast. Would love to know more about travel and tourism startups. Thanks