HDFC Life Click 2 Retire Plus
ULIP Based Retirement Pension Plan
1. Plan Overview
Click 2 Retire Plus एक ULIP pension plan है जो retirement planning के लिए बनाया गया है। इस plan में premium market linked funds में invest होता है और retirement के समय accumulated fund value से pension income प्राप्त की जा सकती है।
2. Entry Age
| Minimum Entry Age | Maximum Entry Age |
|---|---|
| 18 Years | 65 Years |
3. Vesting Age (Retirement Age)
Minimum Vesting Age: 45 Years
Maximum Vesting Age: 75 Years
4. Policy Term
| Minimum Term | Maximum Term |
|---|---|
| 10 Years | 40 Years |
5. Premium Details
| Premium Mode | Minimum Premium |
|---|---|
| Yearly | ₹24,000 |
| Half Yearly | ₹12,000 |
| Quarterly | ₹6,000 |
| Monthly | ₹2,000 |
Maximum Premium: No Limit
6. Investment Fund Options
- Equity Fund
- Balanced Fund
- Debt Fund
- Opportunities Fund
- Bluechip Fund
Investor अपनी risk profile के अनुसार fund choose कर सकता है।
7. Lock-in Period
ULIP rules के अनुसार इस plan में 5 Years Lock-in Period होता है।
8. Retirement Benefit
Policy maturity (vesting) के समय accumulated fund value मिलती है।
- 60% amount lump sum withdraw कर सकते हैं
- 40% amount annuity plan में convert करके pension ले सकते हैं
9. Death Benefit
Policy holder की death होने पर nominee को Fund Value दिया जाता है।
10. Example Illustration
| Age | Premium | Policy Term | Total Investment |
|---|---|---|---|
| 35 Years | ₹50,000 yearly | 25 Years | ₹12,50,000 |
Estimated retirement corpus:
- 4% return → ₹18 – ₹20 lakh approx
- 8% return → ₹30 – ₹35 lakh approx
11. Tax Benefits
- Section 80C – Premium deduction
- Section 10(10D) – maturity tax benefits (conditions apply)
12. Advantages
- Market linked growth
- Long term retirement planning
- Flexible fund switching
- Pension income option
13. Disadvantages
- Market risk involved
- 5 years lock-in period
- Returns guaranteed नहीं होते
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.