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This advertisement is designed for combination of Benefits of two or more individual products. These products are also available for sale individually without the combination offered/ suggested.

Capital Guarantee Solution Combo Plans

Gone are the times when incomes were stable. These days, not just your life but your livelihood comes with a parcel of uncertainty, whether you are in a service or self-employed. Adding to that is the fear of losing your life in diseases or accidents, which has increased manifold after the pandemic. ...Read More

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Capital Guarantee Solution Combo Plans

What is a Capital Guarantee Plan?

image-star image-star image-star image-star image-star image-star image-cloud image-cloud image-cloud moon What is a Capital Guarantee Plan?

A capital guarantee plan is a tailored form of a financial solution that offers a dual benefit. It combines complete security of the capital you invest on one hand and increasing returns from the market on the other. This is typically done by investing one part of your premium into market-linked funds for high return and the other part into non-linked guaranteed solutions that protect your capital. Besides, the plan has an inbuilt life cover that secures your family’s future if you die an untimely death. HDFC Life’s combo plan is a classic example of this solution that offers the dual benefits from a combination of HDFC Life Click 2 Invest ULIP plan and HDFC Life Sanchay Fixed Maturity Savings plan. 

Capital Guarantee Solutions Combo plan

"This proposal is designed for combination of benefits of two or more individual and separate products named 1) HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V04) which is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan offered by HDFC Life and 2 ) HDFC Life Click 2 Invest - ULIP (UIN : 101L100V05) is a Unit Linked non participating life insurance plan products. These products are also available for sale individually without the combination offered/suggested. The customer has the choice of purchasing any one or more products as per his /her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the insurer and presented in this proposed product combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

What are the key features of a Capital Guarantee Solution plan?

A capital guarantee solution plan contains the following key features:

Security of capital

Security of capital

The money you invest in a capital guarantee plan is completely safe. The non-linked guaranteed solution takes care of that and returns your principal on the maturity of the policy, regardless of the market situation or the status of your investment.

A balanced financial diet

A balanced financial diet

The capital-guaranteed plans are like a balanced diet, that couples risk with reward in the right proportion. While a part of the investment is subject to market risk to earn you high returns, the other part has the security of a guaranteed return1.

Scope to earn high returns

Scope to earn high returns

The capital guarantee solution invests a portion of your money into a diversified portfolio of market-linked funds. This has the potential to earn you high returns through the best possible allocation of your funds.

Treat for the risk-averse

Treat for the risk-averse

Those with low-risk appetites are wary of investing in plans that associate with market-linked financial instruments to earn high returns. A capital guarantee solution ensures the return of your principal and is thus a good bet for risk-averse investors.

The flexibility of portfolio

The flexibility of portfolio

It’s you who decides the structure of your portfolio in a capital guarantee solution, the funds to invest in, as well as the allocation of money in each of them. This freedom allows you to choose your plan and portfolio based on your need, convenience, goals and risk tolerance.

Term of plan and maturity

Term of plan and maturity

You can invest in a capital guarantee plan for a preferred duration of short-term or long-term, depending on your requirement. The maturity of the plan ensures a 100% return on your initial investment along with gains from the market.

Option of partial withdrawals

Option of partial withdrawals

Post the lock-in period of five years, you can withdraw any amount from your investment. But in case you need multiple withdrawals, that can be done from the market-linked portion only.

Asset allocation and management

Asset allocation and management

The capital guarantee plans come with expert financial professionals who can efficiently design and risk-manage your portfolio to ensure the best possible returns.

How do Capital Guarantee investments work?

Here’s a sneak peek at the working of a capital guarantee investment plan HDFC Life C2I and Sanchay Fixed Maturity Combo plan:

Suppose you are 35 years of age and invest in the HDFC Life Capital Guarantee Solution in the following format:

Principal Investment: Rs 10,000/month

Premium Frequency: Monthly

Premium Payment Term (PPT): 10 years (Pay till age 44)

Total investment: Rs 1, 20,000/ Year

Policy Term: 20 years (Cover till age 55)
 

So, here’s what you get from your investment at age 55:

Guaranteed lump sum benefit: Rs 12, 00,256/- (100% guaranteed return1 of capital)

One-time lump sum benefit: Rs 17, 47,439/- (@8% p.a. assumed rate of return) + Rs 977095 (@ 4% p.a. assumed rate of return)

Death benefit: Ranging between Rs 12, 00,000 to Rs 29, 47,695/- (@8% p.a. assumed rate of return^)/ Rs 21, 77,351 (@4% p.a. assumed rate of return)

Sample Illustration#

Capital Guarantee Solution Plan illustration Capital Guarantee Solution Plan illustration

^Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offer guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustration on this page will show two different rates of assumed future investment returns, of 8%p.a. and 4%p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V04) which is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan offered by HDFC Life and HDFC Life Click 2 Invest - ULIP (UIN : 101L100V05) is a Unit Linked non participating life insurance plan products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and and HDFC Life Click 2 Invest - ULIP (UIN : 101L100V05) is only the name of the unit linked life insurance contract. The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Who should invest in a Capital Guarantee Plan?

A capital guarantee solution is a suitable financial investment plan and indeed a preferred bet for the following categories of investors:

Low-risk takers

Low-risk takers

Those who have a low-risk tolerance and fear losing their money due to the market volatility

Conservative investors

Conservative investors

Those with a low-risk appetite who prefer the stability of returns over high-risk investments

Long-term investors

Long-term investors

Those who have long-term savings goals like a fund for a child’s education or marriage, purchasing a house etc.

Why should you invest in a Capital Guarantee Solution plan?

A capital guarantee solution plan offers a bouquet of benefits that makes it an ideal choice for those seeking safe investment yet high returns.
1

Protection of capital

The principal amount you invest in a capital guarantee solution is 100% safe and is returned to you at maturity.

2

Scope of high gains

The diversified portfolio of balanced investment in market-linked funds like bonds, equity etc. ensures high returns over the long term, keeping your capital intact.

3

Reduced risk

The risk involved in the part of your premium invested in market-linked funds is reduced by the guaranteed return1 from the other part invested in non-linked funds.

4

Inbuilt life cover

The capital guarantee solution comes with an inbuilt life cover of Rs 13.5 lakhs till maturity, alongside 100% guaranteed returns1.

5

Long-term benefits

If you need funds for long-term goals like your child’s education or marriage, buying a property or starting a business, the capital guarantee solution is indeed a wise choice.

6

Tax benefits

Premium payment of the capital guaranteed solution is eligible for tax exemption up to the limit of Rs 1.5 lakhs per annum under section 80C of the Income Tax Act, 19614. While the death benefit is completely tax-free, the maturity benefit also enjoys a deduction of up to Rs 7.5 lakhs (2.5 + 5 lakhs) under section 10 (10D)**.

7

Mental peace

Knowing you won’t lose your hard-earned money is surely peace of mind that allows you to enjoy a worry-free investment.

What are the factors to consider while buying a Capital Guarantee Plan?

Certain things need to be focused on if you plan to purchase a capital guarantee plan. They are:

The purpose of investment

The purpose of investment

Knowing why you want to invest is the key to choosing the best possible plan for yourself. Are you looking for long-term growth of returns? Do you want a regular income? Or is it the composite benefit you are looking at? Identify the goal first.

Length of investment

Length of investment

Choose your investment horizon carefully. If you want to hold your investment for a short time, pick a plan with a shorter lock-in period. But if you are looking for a long-term investment, go for a plan with a longer lock-in period and higher returns.

Risk appetite

Risk appetite

How much risk are you willing to take? This is a prime concern here as a part of your premium will be invested in market-linked funds and is subject to its fluctuations. So, it’s always wise to choose your portfolio based on your risk tolerance.

Asset allocation

Asset allocation

A capital guarantee plan allows you to choose your portfolio and pick the funds you want to invest in. It’s always wiser to go for a diverse portfolio that minimizes market risk and yields higher returns.

Plan details

Plan details

Check and compare each of the plans available. Capital guarantee plans have a wide variety of features and benefits. So, do a bit of research and opt for the one that best fits your needs and convenience.

Why choose HDFC Life C2I and Sanchay Fixed Maturity Plan 100% Capital Guarantee Combo plan?

A capital guarantee solution combined plan is designed to offer a dual benefit of guaranteed return1 of capital and high gains from market-linked funds. The combo plan of HDFC Life Click 2 Invest - ULIP and the HDFC Life Fixed maturity plan perfectly fits the bill here.

The HDFC Life Click 2 Invest is a ULIP plan that invests a part of the premium to form a life cover for the policyholder and invests the rest in equities, debt funds or a mix of both. Thus, the death benefit secures the family in the event of the unforeseen while the maturity benefit includes the sum assured along with the returns from the market.

The HDFC Life Sanchay Fixed Maturity Plan on the other hand is a is a non-linked, non-participating, individual, savings, life insurance that offers a death benefit to the family if the policyholder dies within the policy term and offers a fixed lump-sum benefit on maturity if he survives.

So, the HDFC Life C2I and Sanchay Fixed Maturity Plan 100% Capital Guarantee combo plan here typically combines both sets of benefits. It offers the policyholder a 100% guaranteed return1 of the principal amount along with the returns earned from investing in the market-linked funds. In addition, there’s an inbuilt life cover of Rs 13.5 lakhs for the entire policy term.

 

FAQ's

1 What is a capital guarantee plan?

A capital guarantee solution is a specific form of investment plan that is designed to protect your capital on one hand and earn high returns on the other. A part of the premium you pay is invested in market-linked funds like equity, bonds, etc. to yield high returns while the other portion goes to a safe investment in a non-linked fund that protects your capital.

2 Is the capital guarantee plan good?

The capital guarantee plan is good for people who seek a safe investment and yet look for high returns. Here the guaranteed return1 of the capital is peace of mind for them, while a diverse portfolio of investment minimizes risk to bring potentially high returns. The flexibility to choose the premium payment term, policy plan and investment portfolio based on your goals, investment horizon and risk tolerance makes the capital guarantee solution a worthy pick.

3 Should you invest in a capital guarantee solution?

You can always invest in a capital guarantee solution if you are looking for long-term investment and are willing to earn higher returns. This is a worry-free investment as you will always get back the principal you invested in the plan. Alongside this, a diversified portfolio will add returns to your maturity benefit, balancing the risk of investment with guaranteed returns1.

4 Is a capital guarantee plan suitable for everyone?

A capital guarantee plan is suitable for those who want to secure their capital first and then go for lower gains compared to high-risk investments. Here the 100% return of the principal amount is guaranteed, while the investment in market-linked funds through a diversified portfolio will yield returns at a minimized risk.

5 How does a guarantee fund work?

The capital guarantee solution comes with a premium payment term that is half of the total policy term. Typically, 50% of the premium goes to debt funds and 60% is invested in equities.

6 What is the maturity benefit under the capital guarantee plan?

The maturity benefit of a capital guarantee plan includes a dual benefit of 100% return of the total premiums paid along with gains from the investment in market-linked funds (if any).

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Disclaimers

** Subject to conditions specified u/s 10(10D) of the Income tax Act, 1961.

1. Provided the policy is in-force and all due premiums have been paid. On survival, at end of policy term, you will receive lump sum benefit equal to aggregate of Sum Assured on Maturity and Accrued Guaranteed Additions. This feature is available under product named HDFC Life Sanchay

2. Tax Benefits as per the applicable sections of the Income Tax Act, 1961,. Tax benefits are subject to changes in tax laws.

3. These are non-guaranteed returns available under product named HDFC Life Click 2 Invest and will be given provided the policy is in-force and all due premiums have been paid.

4.Subject to conditions specified u/s 80C of the Income tax Act, 1961.

#Annual premium is exclusive of tax and other levies as applicable

*Provided the policy is inforce and all due premiums are paid

These assumed rates of returns are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of the policy is dependent on a number of factors including future investment performance. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

HDFC Life Sanchay Fixed Maturity Plan (UIN:101N142V04) is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Life Insurance Coverage is available in this product

HDFC Life Click 2 Invest - ULIP (UIN : 101L100V05) is a unit linked non participating life insurance plan. Life Insurance Coverage is available in this product

The benefits available under the proposed product combination solution shall be as per the respective product ’s policy terms and conditions. The benefit of this proposed product combination solution shall become payable only if all premiums for the entire premium payment term are paid in full, as the case may be. For a customized benefit illustration please contact your Agent/Corporate Agent/Broker. At any point of time if there is any discrepancy in illustrative values provided in this document with that of Quotes and Illustration (Qnl) calculator generated illustration, the amounts calculated through QnI calculator will be considered as final.

Tax benefits are subject to changes in the tax laws. Premiums shown are exclusive of tax and other levies as applicable. Any statutory levy or charges (such as Tax and other levies as applicable) including any indirect tax may be charged to the Policyholder either now or in future by the Company and such amount so charged shall become due and payable and shall be subject to the same terms and conditions as applicable to payment of premium. This document has no monetary value at any time and is not a proof of any contract with HDFC Life Insurance Company Limited.”

The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.

The customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the suggested combination.

ARN - ED/08/23/3710