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Date : Sep 12, 2008

Question

For Retirement planning, Is a pension plan a better investment option than investing in Mutual Funds? Also, please advice Which Insurance company is offering the best Pension plan, considering the costs, Underlying investment, credit risk, ease of claim etc.

Answer

If your objective is to achieve a comfortable retirement then you need to consider the following points before moving to products. You need to know your current asset allocation, amount which you have to segregate for Retirement Planning and the corpus you need at the time of Retirement. Once you answer this you will come to know the amount of investment you need to do during your earning phase of life and the growth required for the same.

As far as mutual fund or pension is concerned it depends on the products you have selected. You need to consider lock in period and the charges for the same. If you want to compare mutual fund and Pension then pension plan has to be ULIP and the investment option has to be there in Equity.

You should be crystal clear while giving the information to your insurance provider and you should not hide anything i.e. the principle of utmost good faith. If there are no doubts or complexity in the claim no insurance company would deny.

 

 

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