MyFundbox Financial Services

MyFundbox Financial Services Comprehensive Personal Financial Planning Services

12/09/2026

🎬 Finance Paulified!
Client Call #40: PNB MetLife Guaranteed Future Plan 📄
• 26-year policy term
• ₹2.5 lakh yearly premium
• ₹25 lakh sum assured
• ~₹1.03 crore guaranteed maturity benefit
After adjusting the insurance cost, the IRR came out to 5.92%. 📉
₹2.5 lakh a year may sound like a big investment for a guaranteed ₹1 crore+ maturity. But the actual return tells a different story.
The smarter approach? Keep your insurance and investments separate.🛡️📈
(Finance Paulified, PNB MetLife, Guaranteed Future Plan, Client Call, Anuj Paul)

27/08/2026

🎬 Finance Paulified!
Client Call #39: Bajaj Life Assure Wealth Goal Plan 📄
• ₹80,000 yearly premium
• 8-year premium paying term
• ₹10.24 lakh sum assured
• ₹8.73 lakh maturity benefit
After separating the insurance cost, the IRR came out to 5.21%. 📉
The policy may look straightforward because the maturity amount is fixed, but the actual return tells a different story.
Before buying any savings or guaranteed plan, always calculate the IRR and compare it with inflation. 🤔
(Finance Paulified, Bajaj Life Assure Wealth Goal Plan, Client Call, Insurance, IRR, Financial Planning, Anuj Paul)

25/08/2026

🎬 Finance Paulified!
Client Call #38: Bajaj Life Supreme Advantage Plan 📄
• 30-year-old policyholder
• 10-year premium paying term
• ₹10 lakh sum assured
• ULIP with market-linked returns
The first 5 years had around 8.43% in total charges, including premium allocation, policy administration and fund management charges. 📉
That means a ₹1 lakh premium leaves only around ₹91,570 to actually get invested.
ULIPs can work, but the key is simple: Always check the charges before investing. Low or NIL charges can make a big difference to your returns.
(Finance Paulified, ULIP, Bajaj Life Supreme Advantage Plan, Client Call, Insurance, Investment, Financial Planning, Anuj Paul)

21/08/2026

🎬 Finance Paulified!
Client Call #37: LIC Endowment Assurance Plan 📄
• 31-year policy term
• ₹40,489 yearly premium
• ₹13.5 lakh sum assured
• Simple Reversionary + Final Additional Bonus
After factoring in the insurance cost, the IRR came out to 7.74%. 📈
What makes this one interesting? It actually beats the current PPF return of 7.1%.
The takeaway: Don’t judge a guaranteed plan just by its returns - or reject it just because it’s an insurance product. Calculate the IRR first. 🤔
(Finance Paulified, LIC Endowment Plan, Client Call, Insurance, IRR, PPF, Financial Planning, Anuj Paul)

17/08/2026

🎬 Finance Paulified!
Client Call #36: LIC New Money Back Plan 📄
• 25-year policy term
• ₹38,353 yearly premium
• ₹7.5 lakh sum assured
• Money-back payouts + bonuses
After separating the insurance cost, the IRR came out to 6.08%. 📉
At first glance, getting money back at regular intervals can make the policy look attractive. But the actual return tells a different story.
Before buying any savings or endowment plan, Ask “What is the actual IRR?” 🤔
(Finance Paulified, LIC Money Back Plan, Client Call, Insurance, IRR, Financial Planning, Anuj Paul)

24/07/2026

🎬 Finance Paulified!
Client Call #35: Shriram Assured Income Plan 📄
Policy Snapshot:
• ₹25,000 yearly premium
• 10-year premium payment term
• 10-year policy term
• ₹3,533 monthly payout for 10 years after maturity
The returns were calculated using XIRR (since the payouts are monthly, not yearly).
📉 Actual XIRR: 5.32%
⚠️A higher maturity amount doesn't always mean higher returns. Always check the actual returns before investing in guaranteed income plans.
(Finance Paulified, Shriram Life Assured Income Plan, Client Call, XIRR, Guaranteed Income Plan, Anuj Paul)

12/06/2026

🎬 Finance Paulified!
Client Call #33: ICICI Guaranteed Income for Tomorrow 📄
Policy Snapshot :
• ₹1 lakh yearly premium
• 10-year payment term
• 15-year policy term
• Guaranteed maturity amount clearly mentioned
No complicated bonus confusion.
Straightaway mentioned the guaranteed payout amount.
But after separating insurance cost from investment part,
the IRR came out to around 5.6%. 📉
That’s why before buying any guaranteed plan,
always ask one question:
“What is the actual IRR?” 🤔
(Finance Paulified, ICICI Guaranteed Income for Tomorrow, Client Call, Anuj Paul, IRR)

08/06/2026

🎬 Finance Paulified!
Client Call #32: Max Life Smart Fixed Return Plan 📄
Policy Snapshot :
• ₹64,272 yearly premium
• 5-year payment term
• 20-year policy term
• ₹7.5 lakh maturity amount
At first glance, the policy looks attractive:
Pay around ₹3.2 lakhs total → Get ₹7.5 lakhs at maturity. 🤔
But after separating insurance cost from investment part,
the IRR came out to around 5% - 5.28%. 📉
That’s why you should always ask one question before buying any guaranteed plan:
“What is the actual IRR?”
Most people only see the maturity amount…
very few calculate the real return.
Insurance and investment should always be evaluated separately. 🤓
(Finance Paulified, Max Life Smart Fixed Return Plan, Client Call, Anuj Paul, IRR)

31/05/2026

🎬 Finance Paulified!
Client Call #31: Axis Max Life Smart VIBE Plan 📉
Policy Snapshot :
• ₹1.55 lakh yearly premium
• 10-year payment term
• Policy term: 15 years
• Future income for 10 years
• ₹17 lakh life cover + multiple riders
On paper, the policy looks loaded with benefits:
Income benefits, boosters, milestone payouts, riders, etc.
But the IRR came out to around 4.24%.
If returns are not beating inflation, your money is not truly growing.
That’s why insurance and investment should usually stay separate.
• Buy insurance for protection
• Invest separately for wealth creation
Boojhe?
(Finance Paulified, Axis Max Life, Insta Wealth Plan, Insurance Awareness, Client Call, Anuj Paul)

30/05/2026

🎬 Finance Paulified!
Client Call #30: SBI Life Smart Platina Plus 📄
Policy Snapshot :
• ₹2 lakh yearly premium
• ₹22 lakh life cover
• Guaranteed income payout for 15 years
One thing nobody explains properly while selling policies:
What is the actual return? 🤔
After separating insurance cost from investment part,
the IRR came out to around 6.23%.
Compared to many traditional guaranteed plans, this is still better.
But does it beat inflation? 📉
If your investment is not beating inflation, is your wealth really growing?.
(Finance Paulified, SBI Life Smart Platina Plus, IRR, Wealth Creation, Client Call, Anuj Paul)

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