11/06/2026
๐ โน2,500 ๐๐๐ ๐๐ก๐๐ญ ๐๐ซ๐จ๐ฆ๐ข๐ฌ๐๐ โน28.4 ๐๐๐ค๐ก๐ฌ ๐ข๐ง ๐ฃ๐ฎ๐ฌ๐ญ 15 ๐ฒ๐๐๐ซ๐ฌ?
Yesterday, I received a call from one of my clients, Anuja.
Her sister-in-law, Prajakta, had been offered an investment plan that looked too good to be true.
And thankfully, she listened to Anuja and decided to check with me before signing.
โน4.5 Lakhs Invested. โน28.4 Lakhs Received?
The proposal showed:
โ
โน2,500 per month investment
โ
15-year commitment
โ
Total investment: โน4.5 Lakhs
โ
Projected maturity value: โน28.4 Lakhs
At first glance, it looked like an extraordinary SIP opportunity.
But when Prajakta shared the illustration with me, I noticed something important.
๐๐ญ ๐ฐ๐๐ฌ๐ง'๐ญ ๐ ๐๐ฎ๐ญ๐ฎ๐๐ฅ ๐
๐ฎ๐ง๐ ๐๐๐.
It was a ULIP โ LIC's New Index Plus (Plan 873) with a life cover of โน2.1 Lakhs and an accident cover of โน2.1 Lakhs.
And the projected maturity value was based on an assumed annual growth rate of 24.14% CAGR.
The Real Question Isn't "Can It Happen?"
The real question is:
Should investors build their financial plans assuming 24% annual returns for the next 15 years?
History shows that markets move in cycles.
Bull markets create excitement.
But prudent financial planning is built on realistic expectations, not optimistic projections.
For long-term equity investing, I generally encourage investors to focus on disciplined investing and expect reasonable returns rather than extraordinary outcomes.
What Prajakta learned after understanding:
โข The product structure
โข Insurance and investment components
โข Charges and lock-in considerations
โข Realistic return expectations
โข Alignment with her actual goals
She made a simple decision:
โช๏ธ Not based on projected maturity values.
โช๏ธ But based on what best suited her needs.
Today, she is starting her Equity SIP investment journey with us.
She now has a clear goal, realistic expectations, and a commitment to stay disciplined through market volatility.
๐๐ก๐ ๐๐ข๐ ๐ ๐๐ฌ๐ญ ๐ซ๐ข๐ฌ๐ค ๐ข๐ง ๐ข๐ง๐ฏ๐๐ฌ๐ญ๐ข๐ง๐ ๐ข๐ฌ not choosing the wrong product.
It is ๐ฆ๐๐ค๐ข๐ง๐ ๐๐๐๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก๐จ๐ฎ๐ญ ๐ฎ๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐ฐ๐ก๐๐ญ ๐ฒ๐จ๐ฎ'๐ซ๐ ๐๐ฎ๐ฒ๐ข๐ง๐ .
๐ Every investment illustration should answer three questions:
1๏ธโฃ What assumptions are being made?
2๏ธโฃ What risks am I taking?
3๏ธโฃ Does this help me achieve my goals?
If you cannot answer all three, pause before signing.
At Adyanta, we believe:
"Products don't create Financial Freedom. Clarity does."
โก๏ธ If this resonates with you : like, comment and share to spread the message to those who need it the most.
๐ฉ DM "REVIEW" for an unbiased portfolio review focused on your goals, risk profile, and Financial Freedom journey.
