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Commented on own review

DO NOT go for Birla sun life ULIPs - Flexi Life Pl
Aditya Birla Sun Life Insurance

Mr. Phamitus If what you say is true, then how come some of the competitors of Birla charge such low fund rate as 25% in the first year compared to the 65% charges upfront in the first year. BTW, I have spoken to couple of ex Birla SunLife agents and they themselves say that the FlexiLife plan wh...ere they recover 65% in the first year for 15 year term is the worst because the maximum equity exposure is only 35%. It'll take about 8-9 years to break even in such ULIPs. If ULIPs are the only way you can discipline yourself then thats a problem you have. I invest regurarly through SIPs myself in the market and at 2.25% load charges those are the best compared with a seperate Term Life insurance to cover your risk.Read More

Reviewed Aditya Birla Sun Life Insurance

DO NOT go for Birla sun life ULIPs - Flexi Life P

I got conned into buying a Birla SunLife flexi life ULIP by a Citibank Gold Wealth Management advisor. This fund charges upto 65% in the first year as policy loading fee whereas HDFC charges about 27% and ICICI is supposed to be even lower. The Citibank advisor who advised me cleverly put my nam...Read more

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Reviewed HDFC Bank

HDFC securities has no customer service

I have been a HDFC Bank customer for the past 4 years.  I have a HDFC bank , demat and securities account. I'm a retail investor and do not do very heavy trading. The HDFC securities website is lame and their reporting sucks. I have always wanted a consolidated portforlio based on my activity bu...Read more

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