Hi manish,
I am pragnesh and i am 28 yrs old married person. Here is my portfolio:
Total income – Rs. 35K/per month
Home Loan – Rs. 5800/- per month for 4 yrs.
Insurance:
1 New Bima Gold (873491503) 13884 (4 lac coverage) — shall i surrender? how is this policy. just 4 yrs old
2 Jivan Mitra Policy (873257493) 5010 (1 lac coverage)
Mutual Fund monthly SIPs:
HDFC Top 200 Fund 2000
IDFC Premier Equity Plan A – 2000
Sundaram Tax Saver Fund – 1500
DSP BR Equity Mutual Fund – 1000
PPF total investment till date: Rs. 20000/- (NO EPF deducted in my co.)
I want to take Term plan. suggest me what should be cover i should buy and from which company and do you think i need to add more SIPs to get more returns?
Regards,
Pragnesh