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  1. INVEST IN A GOOD FIXED ANNUITY WITH AN AAA+company. where you cannot lose your principal and beware of variable annuities because they don’t insure your principal.

  2. Hello,

    I believe I have a good solution with respect to this.

    I assume you are looking for an investment of Rs. 5 Lac p.a. for next 10 years.

    If you think this is your hard earned money, then security and guarantee should be a primary concern. Any alternative offering SPECULATIVE returns may not be good enough.

    How if for an investment of Rs. 525,000 p.a. for 10 years, you got back an amount of Rs. 275,000 pa. from 11th year for LIFETIME?
    Moreover, at the end of 10 years, you get back Rs. 20Lac of your investment and only the balance is used to provide you with Rs. 275,000 p.a.

    Thus say you survive till the average age of 75, this is what you will get:

    At age 45: Rs. 20,00,000
    From age 46 to 75 / lifetime : Rs. 82,50,000 (275000 x 30)

    Further, the plan also provides a lifetime risk cover of Rs. 50Lacs. So your survivors / family are secure too !

    Moreover, this risk cover will be Rs. 1 Crore for accidental death.

    Additionally, in case of permanent disability, the future premiums are waived, the inflows are still guaranteed AND an amount of about Rs. 50 Lac is paid to you in installments for the remaining number of years. The other benefits remain intact.

    I dont think any financial instrument can provide you with these many benefits.

    For further discussions contact me.

    Bhushan Sheth
    [email protected]
    9322197831 / 9967280006