PPF or LIC Jeevan Shree for Investment?

POSTED BY Keyur Jinwala ON September 25, 2013 9:59 pm COMMENTS (7)


I want to invest around INR 25000 and was looking for better option between LIC and PPF

LIC offers Jeevan Shree plan where investing 25000 gives insurance of 5 lac as well. However, insurance is not mandatory. I am purely looking for returns after 25 or 15 years (in case of PPF)

Which will give me better return?



7 replies on this article “PPF or LIC Jeevan Shree for Investment?”

  1. ashalanshu says:

    Dear Keyue, sorry for typo error in the above reply. I mean to say – Yes, Now you are on right track. 🙂



  2. ashalanshu says:

    Dear Keyur, yes not you are on right track.



  3. ashalanshu says:

    Dear Keyur, the problem lies in your thinking that Insurance policy is an investment vehicle. Should I say more?



    1. Keyur Jinwala says:

      Thanks Ashal. Got your point. I guess I should look for pure investment options rather than going with Investment with Insurance

  4. Mustafizur Rahaman says:

    May be I would just like to add in addition to what Ashal already said, with the current interest rate & flexibility PPF provides, nothing else should be exchanged with a PPF, unless you have very cash crunch & you can’t park your money for 15yrs. I have read in this forum & somewhere else also, that almost everyone suggest that PPF should be the first choice for any safe/tax free return & should be must in your portfolio.

    I don’t have any idea about the policy you mentioned, if you want please compare the pros/cons with any other alternative, but not with PPF

  5. Keyur Jinwala says:

    Can you give me some reason for not buying Jeevan Shree? I mean is there any obvious drawback which I am missing? Or is it (or any LIC policy) not worth investment? Any other option where I can invest and get good returns?

  6. ashalanshu says:

    Dear Keyur, are you not aware that PPF account can be extend for unlimited period in a blcok of 5Y each time after the initial 15Y period? No matter you need insurance or not, please do not purchase this Jeevan Shree policy.



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