📊 LIC Nivesh Plus 849: Returns, Risks aur Market Link – Kya Aapko Nivesh Karna Chahiye?
Aaj kal ke smart investors ek aise plan ki talaash mein hote hain jo insurance bhi de aur investment ka return bhi. LIC ka Nivesh Plus Plan No. 849 ek aisa ULIP (Unit Linked Insurance Plan) hai jo aapko market se linked returns ke saath life cover bhi deta hai.
Lekin sawal ye hai — returns kaise milte hain? risks kya hain? market se link ka matlab kya hai? Chaliye jaante hain detail mein:
📈 Nivesh Plus 849 Returns – Kitna Milega?
✅ Market-Linked Returns
LIC Nivesh Plus ka return market ke upar depend karta hai. Yani ki jo paisa aap invest karte hain, wo LIC ke selected funds mein lagaya jata hai — jaise:
- Bond Fund (low risk)
- Secured Fund (moderate risk)
Daily NAV (Net Asset Value) ke basis par aapka fund grow karta hai.
✅ Example (Illustrative Purpose Only)
Agar aap ₹2,00,000 invest karte hain aur aapka selected fund average 8% per annum ka return deta hai, to:
- 10 saal baad approx fund value ho sakti hai: ₹4,31,000 (charges deduct hone ke baad)
- Maturity par ye poora paisa tax-free milega (conditions apply)
📝 Note: Returns market ke upar hain, guaranteed nahi hote. LIC daily NAV update karta hai apni website par.
⚠️ LIC Nivesh Plus 849 ke Risks
🔸 Market Risk
Market agar niche gaya to aapke fund value mein kami ho sakti hai. Lekin long-term mein market ka trend upward hi hota hai.
🔸 Charges ka Effect
Plan mein kuch basic charges hote hain:
- Premium Allocation Charge
- Fund Management Charge
- Mortality Charges
Ye charges fund value ko thoda impact karte hain, lekin transparent hote hain.
🔸 Lock-In Period
5 saal ke pehle paise nahi nikaal sakte. Isliye ye plan un logon ke liye sahi hai jo long-term view rakhte hain.
🔄 Market Link ka Kya Matlab Hai?
🔹 NAV (Net Asset Value)
Har din LIC ka fund market mein invest hota hai (equity ya debt instruments mein). Uske basis par fund ki value decide hoti hai – jise NAV kehte hain.
🔹 Aapka Fund Value = No. of Units × NAV
Jaise:
- ₹2,00,000 invest kiya
- NAV = ₹10 mila
- Aapko mile 20,000 units
Agar baad mein NAV ₹20 ho gaya, to fund value ban gayi ₹4,00,000
✅ Is Plan ka Real Advantage
- Insurance + Investment ka combo
- One-time premium – no tension of yearly payment
- LIC ka trust aur transparency
- Tax-free maturity (under section 10(10D))
❓ FAQs: Nivesh Plus 849 Returns, Risk aur Market Link
Q1. Kya LIC Nivesh Plus guaranteed return deta hai?
👉 Nahin, ye ek ULIP plan hai jo market-linked hai. Returns market ke performance par depend karte hain.
Q2. Returns kaise track kar sakte hain?
👉 LIC ki official website par daily NAV update hoti hai. Aapko fund growth ka live idea milta rahega.
Q3. Kya plan mein paisa doob sakta hai?
👉 Nahi, LIC ka investment strategy secure hota hai. Lekin market fluctuation ki wajah se short-term dips possible hain.
Q4. Risk kam karne ke liye kya karein?
👉 Aap Bond Fund ya Secured Fund choose karein jo relatively safe hote hain.
Q5. Maturity pe paisa tax-free milega?
👉 Haan, agar aapne 10x sum assured wala option liya hai, to maturity amount Section 10(10D) ke under tax-free rahega.
🔚 Conclusion
LIC Nivesh Plus 849 un logo ke liye perfect hai jo apne ek lump sum amount ko secure aur smart investment mein lagana chahte hain – saath hi life insurance bhi chahte hain. Haan, thoda market-linked risk zaroor hai, lekin long-term mein ye plan returns + protection ka solid combo ban jata hai.
📞 Interested ho? LIC Future aapke saath hai!
- 📱 Call/WhatsApp: 7231814845
- 🌐 Website: www.licfuture.com
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