HDFC Crest ULIP Review

Learn about how to understand a ULIP from Deepak Shenoy as he reviews HDFC Crest, a Unit Linked Insurance Policy.

* Understanding premiums and tenures
* The Guaranteed NAV, how it works and why it's not as good as it sounds
* A comparison with a Term Plan+MF combination - which is way better!
* Even performance of the ULIP has been sub-optimal compared to a mutual fund from HDFC (the promoter!)
* Costs and how they hurt your returns

Do tune in to http://www.marketvision.in/shorttakes for more from MarketVision.

Category:

Education

Tags:

• ULIP
• Insurance
• MarketVision
• India

[MarketVisionVideo]

Thanks folks!

[saikoli5]

Hi

Deepak Such Nice Video on HDFC CREST Plan..thanks to clear my mind even i m planed to buy this HDFC CRESt in this eve...

[mppqq88]

great video mr shinoy but MF has not having any guarantee .....tax benefit and the data which you have taken from the site when market not performing well.....I HAVE TAKEN THE PLAN..AFTER DOING LOTS OF RESEARCH INVESTED 15 LAKHS ........great plan.....

[parulapr05]

Do you any thing about constant proportion portfolio insurance . can you explain me that. Crest is based on same logic...

[jayakumarponnuru]

Fantastic explaination. This clears up all my queries!!

[simronls]

Great Video. Thanks for a detailed explanation. the fund manager almost sold this to me !!!!!!

[garawaful]

It was a good explaination. I too had a person visit to me. but when we calculated MF vs Crest i found that Crest is beneficiaal when u concider it for 10 yrs. we assumed MF fund charges as 2.25%. And not concidered the garantted return % as we had done it for free assets.

[thunderbird1650]

I came to India and HDFC almost sold this to me! Thank God, I did some research and found your great video. Thanks, you are a savior.

[raj6771]

u r just superb the way the managers are canvassing for this plan is the 15% return never understood that it gives 5% returns and my god its just fleecing and secondly they are not promoting it as ULIP its more like bank deposit and this plan is issued by ahdfc life but the plan is devised by HDFC bank and gurantee by bank i have a very personal dislike for all ULIPS may be due to that the staff are stating this is bank gurantee

thank you MR deepak u saved me

[nilthakkar]

Oh God.. you saved me.. i was struggling to decide whether i should go for it or not.. there were lots of confusion.. but this presentation is awesome.. it clears my all the doubts.. thanx a lot.. .DEEPAK..