BANK VS LIC RETURN

RATE OF INTERESTYear Rate Year Rate

1996 13.00 2005 6.001997 11.50 2006 8.001998 11.00 2007 8.751999 10.50 2008 9.502000 10.00 2009 6.502001 9.50 2010 9.002002 6.50 2011 9.252003 6.002004 6.00

Interest Rates

0

2

4

6

8

10

12

14

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

Growth in CPI Year CAGR (%) Overall 2/86 – 2/91 7.55 7.55

2/91 – 2/96 10.09 8.70 2/96 – 2/01 7.03 8.18

2/01 – 2/06 4.20 7.21

2/06 – 2/11 8.97 7.55

Longevity Mortality Table AGE Life Expectancy Total 25 52.72 77.72 30 48.01 78.01 35 43.28 78.28 40 38.56 78.56 45 33.93 78.93

50 29.43 79.43 55 25.17 80.17 60 21.18 81.18Source: Mortality Rates of Annuitants in LIC- A (96 – 98) Ultimate

InflationYear Growth Year Growth Year Growth

2/1987 8.92 2/1996 10.08 2/2005 4.202/1988 9.94 2/1997 9.16 2/2006 5.122/1989 9.04 2/1998 5.59 2/2007 6.782/1990 5.37 2/1999 17.88 2/2008 5.522/1991 12.50 2/2000 0.37 2/2009 10.212/1992 13.58 2/2001 2.99 2/2010 13.302/1993 8.70 2/2002 4.71 2/2011 9.222/1994 8.00 2/2003 3.63 9/2011 8.962/1995 10.19 2/2004 3.34

IndiaIndiaTodayToday

2010Developing

Country

1990Undeveloped

Country

2030Developed

Country

Interest RatesInterest Rates14% to 16%14% to 16%

Interest RatesInterest Rates 6% to 8%6% to 8%

Interest RatesInterest Rates2% to 4%2% to 4%

DEVELOPED COUNTRIES

Estimate future expenses

• Assuming that at present , total monthly expenses are : 12,000, i.e. 1,44,000 p.a.

• Also assuming an annual inflation rate of 7.55%• After 10 years, the annual expenses are likely to be

2,98,172 i.e. 24,847 p.m.• After retirement, assuming the same rate of

inflation, and after 25 years, the total annual expenses are likely to be 18,39,615, i.e. 1,53,301 p.m.

AVERAGE RATE OF INTEREST FOR LAST 7YEARS

AVERAGE RATE OF INTEREST FOR LAST 10 YEARS

7.6% ONLY

TILL DATE

• BANK INTEREST IS TAXABLE • ATTRACTING –TDS• INTEREST ADDED TO YOUR INCOME

INVESTMENT OF 10LAKHS IN BANK FDFOR 3YEARS

• @ 9.75 % -13,21940 –POST TAX @22% 12,51,117• @ 9%-12,95029 –POST TAX-12,30,122• @8.5% -12,77289-POST TAX -12,16,285• @8.25%-12,68480-POST TAX -12,09,414• @8%-1259712-POST TAX-12,02,575• @7.5%-12,42,297-POST TAX-11,88,992

AVERAGE RETURN WILL COME DOWN• @ 9.75 % -POST TAX @22% 12,51,117-Effective irr-7.75%• @ 9%-12,95029 –POST TAX-12,30,122-Effective irr-7.14%• @8.5% -12,77289-POST TAX -12,16,285-Effective irr-6.74%• @8.25%-12,68480-POST TAX -12,09,414-Effective irr-6.54%• @8%-1259712-POST TAX-12,02,575- Effective irr-6.34%• @7.5%-12,42,297-POST TAX-11,88,992-Effective irr-5.93%

Invest in Jeevan SurakshaENJOY LIFE TIME GURANTEED RETURN- NO MARKET

FLUCTUATION-NO TDS• ONE TIME INVESTMENT-1000785 • S A-11,00,000( OFFERING LIFE TIME COVER ALSO)• BONUS + 3% EXTRA- 80586 • TOTAL-11,80586 • RETURN ANNUAL-87364 - @8.73% (AGE 50 YEARS)• RETURN ANNUAL-87953.8 @ 8.79%(AGE 55 YEARS)• RETURN ANNUAL- 88662.4 @8.86% (AGE 60 YEARS)• RETURN ANNUAL-89488 @8.94% (AGE 65YEARS)• RETURN ANNUAL-90433 @9.04%(AGE 70 YEARS)

YOU ARE THE BEST JUDGE

DECIDE WHETHER IT IS PRUDENT TO RUN EVERY YEAR FOR BETTER RATE AS INTEREST RATE WILL COME DOWN IN

FUTUREOR

STUDY DATA & INVEST IN SAFE INSTRUMENTS OFFERING

GOOD RETURN OVER A TIME HORIZON