Drinking Less Can Pay You more, Invest Well

Do we ever think about how much a drink of scotch costs us? Sadly, we do not! We happily spend a chunk of our earnings on expensive liquor and refrain from investing a portion of it towards ensuring a stable future. We usually have a mindset that we are still young to invest and for now it is the time to enjoy.

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9.7 Crore

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Policies Sold

Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

While as a matter of fact, it is imperative to invest regardless of one's age and earnings.

Let's take you through some interesting calculations to help you understand the idea better:

a. 12 bottles of Rum = Health Policy for your family

Investing the money you'd spend in buying 12 bottles of rum, which is Rs. 600 per bottle, towards the annual premium of a family floater health plan can cover you, your spouse and your child against all the medical contingencies and provide a sum insured of nearly Rs. 2 lac.

How hard is it to sacrifice a bottle of rum every month for your family's medical security?

b. 1 bottle of Scotch = A Term Plan worth Rs. 1 Crore

Paying the cost of a bottle of scotch (approximately Rs. 7,000) towards a term plan per annum can keep you covered for a term of 35 years and guarantee a sum assured of Rs. 1 crore.

Isn't a bottle of scotch too less a cost for your family's financial security in your absence?

c. 36 bottles of Wine = A good retirement plan

How about giving up on 3 bottles of wine a month and getting a pension of about Rs. 45,000 per month post retirement?

A bottle of wine costs about Rs. 1,300, while investing Rs. 3,900 per month towards a pension plan can ensure peace and financial stability during the golden years of your life.

d. 24 bottles of Beer = A health top up plan

Drinking 2 bottles of beer less in a month can enable you to buy a top-up plan for your health insurance policy and offer an enhanced cover and added benefits for you and your family. By giving up on just 24 beer bottles in a year you can save approximately Rs. 4,500. You can invest this money in a health top-up plan which can ensure good coverage for your family.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Past 10 Years' annualised returns as on 01-03-2025

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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