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Features, Advantages and Benefits of unit linked pension plans
Unit linked pension plans at
HDFC pension super
HDFC pension supreme
HDFC pension champion
HDFC SL Unit linked pension maximiser II
HDFC pension super
Benefits The HDFC Pension Super is Unit
Linked plan, designed to provide a post-retirement income for life with the freedom to choose your retirement date. This plan gives you with an outstanding investment opportunity to maximise your savings by providing you a choice of thoroughly researched and selected investments. This plan also gives Bumper Addition to the fund value at vesting.
Features
Bumper addition
Term limits (min 10 years, max 40 years) Age limits
Choice of 7 funds
Asset allocation option (funds managed as per the allocation pattern under any of the 3 AAO variants
Cautious Moderate aggressive
Flexibility to choose your own retirement age
Min entry age
Max entry age
Min age on vesting
Max age on vesting
18 years 65years 50 years 75 years
Advantages
On Maturity (Vesting) your fund value will be accompanied by a Bumper Addition.
Low FMC charge of 1.25% P.A. You can change your investment
fund choices in two ways: Switching: Premium Redirection:
On your chosen retirement (Vesting) date, you will get the value of the units in your policy. You can take up to 1/3rd of the total
benefit at Vesting (fund value + Bumper Addition) as a tax-free cash lump sum
The rest must be converted to annuity You can buy the annuity from us or
any other insurer.
HDFC pension supreme
Benefits Freedom from tracking the
market with the AAO.
Bumper addition to the fund value at vesting.
The flexibility to plan your retirement date.
Provides a post retirement income for life.
Features
Bumper addition
Term limits (min 10 years, max 40 years) Age limits
Choice of 7 funds
Asset allocation option (funds managed as per the allocation pattern under any of the 3 AAO variants
Cautious Moderate aggressive
Flexibility to choose your own retirement age
Min entry age
Max entry age
Min age on vesting
Max age on vesting
18 years 65years 50 years 75 years
Advantages
On Maturity (Vesting) your fund value will be accompanied by a Bumper Addition.
Low FMC charge of 1.25% P.A. You can change your investment
fund choices in two ways: Switching: Premium Redirection:
On your chosen retirement (Vesting) date, you will get the value of the units in your policy. You can take up to 1/3rd of the total
benefit at Vesting (fund value + Bumper Addition) as a tax-free cash lump sum
The rest must be converted to annuity
You can buy the annuity from us or any other insurer
HDFC pension champion
Benefits Bumper addition at vesting.
Asset allocation option available.
Flexibility to choose your vesting age.
Choice of 7 funds available.
Features
Bumper addition
Term limits (min 10 years, max 20 years).
Choice of 7 funds depending on risk taking appetite.
10 years 25% of average annualized premium
15-19 years 50% of average annualized premium
20 years 100% of average annualized premium
Asset allocation option (funds managed as per the allocation pattern under any of the 3 AAO variants
Cautious Moderate aggressive
You have the flexibility to choose your own vesting/retirement age/date
Advantages
On Maturity (Vesting) your fund value will be accompanied by a Bumper Addition.
Low FMC charge of 1.25% P.A. You can change your investment
fund choices in two ways: Switching: Premium Redirection:
On your chosen retirement (Vesting) date, you will get the value of the units in your policy. You can take up to 1/3rd of the total
benefit at Vesting (fund value + Bumper Addition) as a tax-free cash lump sum
The rest must be converted to annuity You can buy the annuity from us or
any other insurer
HDFC unit linked pension maximiser II Benefits HDFC SL Unit Linked Pension
Maximiser II is a unique Single Premium unit linked plan, designed to provide a post-retirement income for life with the freedom to maximise your investment returns. This plan also gives Bumper Addition* of 10% of initial single premium at vesting.
Provides post retirement income for life
Gives you the flexibility to plan your retirement date
Features
Choice of 7 funds depending on risk taking appetite.
Age limits
Term limits (min 10 years, max 40 years)
Funds can be accessed on Death Vesting Surrender Single premium to be paid at the
beginning of the policy, min Rs.50,000/-
Min entry age
Max entry age
Min age on vesting
Max age on vesting
18 years 65years 50 years 75 years
Advantages
Bumper Addition (for policies with term equal or greater than 15 years) to the fund value on Vesting. Your FV will be accompanied by addition of Bumper Addition to the extent of 10% of the initial single premium chosen at inception.
Low FMC of 1.25% P.A You can change your investment fund
choices by Switching: (anytime)
On your chosen retirement (Vesting) date, you will get the value of the units in your policy. You can take up to 1/3rd of the total benefit
at Vesting (fund value + Bumper Addition) as a tax-free cash lump sum
The rest must be converted to annuity You can buy the annuity from us or any
other insurer Tax benefits under sections 80C of the
Income Tax Act