Professional Documents
Culture Documents
Mutual Fundinvestments
are not Best Saving
Plan
BEFORE YOU INVEST IN
MUTUAL FUNDS KNOW
YOUR FACTS
UNDERSTAND
The Difference between
Mutual Funds and LIC
CONTRACT VALUE
Assuming you start Saving 5000/- monthly
Mutual fund LIC
• 5000 • 30,00,000
• or • or
• whatever is the • whatever is the
investment Sum Assured
amount amount
Credibility of Fund
Mutual fund LIC
• Zero • Sum Assured
• or the • Or the
• present value • Future value
• Total fund Value as • Total fund Value as
on today is on date of maturity
considered today is considered today
In case of death
Mutual fund LIC
• Your family • Your family
gets present gets Future
Value Value
• Which usually • Which usually
is in thousands is in lakhs or
or lakhs crores
Fact of the matter
Mutual fund LIC
• You take risk • LIC takes all
and the your Risk and
company is you are
safe safe
Whenever market collapses
Mutual fund LIC
• Your • Your
Investment Investment is
collapses unaffected
Returns
Mutual fund LIC
• Has no • Has Sovereign
guarantee on guarantee on
returns or returns
invested including
amount premium and
bonus
Banks understand it as
Mutual fund LIC
• Sales pitches • Real Facts and
and lies truth
Government message
Mutual fund LIC
• Comes with a • Comes with an
warning every assurance
time you buy every time you
buy
Earning potential
Mutual fund LIC
• Might possibly • Guaranteed to
give positive give positive
returns returns
Legal standing
Mutual fund LIC
• You can’t even • You can
appeal against challenge
your loss of against it evenif
money in the you get a paise
court of law less in the court
of law
Under adverse conditions
Mutual fund LIC
• Wipes your • Protects your
wealth wealth
WHEN MARKET FALLS
Mutual fund LIC
• YOU LOSE • LIC LOSES
MONEY BUT MONEY BUT
THE MTUAL YOUR
FUND INVESTMENT IS
COMPANY IS SAFE
SAFE
For taking major loan
Mutual fund LIC
• Will not be • Will be
considered as a considered as a
collateral collateral
MAIN PURPOSE
Mutual fund LIC
• BEST RETURNS • FAMILY
FROM MARKET PROTECTION
IF MARKET AT LOW COST
GOES UP
WHOM SUITSWHAT
Mutual fund LIC
• BEST SUITED FOR • BEST SUITED
UNMARRIED FOR MARRIED
YOUNGSTERS
WITHOUTANY PEOPLE WITH
FAMILY OR FAMILYAND
RESPONSIBILITIES RESPONSIBILITIES
Purpose of origin
Mutual fund LIC
• CAPITALISES • ADDRESSES
ON GREED OF THE BASIC
PEOPLE FOR NEED OF
RETURNS PEOPLE FOR
RETURNS
Basic understanding
Mutual fund LIC
• The Investment • The Investment
grows sometimes only grows all the
and falls times and never
sometimes. falls anytime.
• When it falls itcan • When market falls it
wipe out most of doesn’t effect a
the capital single penny of your
investment capital investment
Purpose of origin
Mutual fund LIC