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asked in Indian Post Office Schemes by

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Postal life insurance policies are endownment /  whole life policies. There is no ULIP there, so no way to check returns based on NAV. Such traditional plans gives 3%-5% return even in long term.

Consider the combination of term insurance + mutual funds or Gold, PPF for risk cover and investments.

Check more at
http://www.investmentkit.com/articles/2011/04/invest-online-in-indian-mutual-funds/
http://www.investmentkit.com/articles/2010/10/best-indian-mutual-funds/
http://www.investmentkit.com/articles/2010/07/invest-in-ppf-and-gold-etf-for-steady-returns/

Hope it will help you.
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