C.P.Ed. Degree Dharavata Shikshako layak Ganashe - NCTE Read Full Reoprt

C.P.Ed. Degree Dharavata Shikshako layak Ganashe - NCTE Read Full Reoprt
For a unit-linked insurance plan, providing life cover is the most important function; returns are just an added benefit, which gets magnified, given the tax rebates. Though unit-linked plans offer transparency in returns in terms of net asset value and flexibility in investment options in debt, equity or a mix of both, these advantages remain secondary. Whereas for a mutual fund, the main objective is to provide returns.
Moreover, unit-linked plans are not as liquid as mutual funds. There is a lock-in of three years. Even if one redeems after three years, you would be at a loss because of higher initial administrative charges. For example, the upfront charges for the first two premium amounts are as high as 20-27 per cent. Then there is an annual management fee of 0.8-1.25 per cent and a flat fee of Rs 15-20 per month. Finally, there is a deduction for risk cover. This goes towards contribution to the sum assured or the life insurance cover, which is based on mortality rates as calculated by actuaries. Though mutual funds too have entry and exit loads (maximum 2 per cent) and expenses (maximum 2.5 per cent), these costs are lower than unit-linked plans.
very Good News Coming For C.P.Ed. Degree teachers that their C.P.Ed. Degree is truly valid for A Teacher Job. This Statement is published by NCTE. Read full Details in below given link.

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