Wednesday January 29, 2020

I am a Simple Man with a Simple Plan, Says Actor Anil Kapoor

"Then we dive into 'Malang' promotion mode and of course Karan Johar's 'Takht'," he said

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Actor Anil Kapoor
Anil Kapoor says that he has always been his worst critic. Wikimedia Commons

BY SUGANDHA RAWAL

Actor Anil Kapoor doesn’t want to get comfortable with his position in the industry and says he has a simple plan, which is to be better than yesterday.

“I don’t think I ever want to be completely comfortable for fear of complacency. It’s only when you put yourself in uncomfortable situations that you grow and learn,” Anil told IANS.

“So when you find yourself getting too comfortable and too much at ease, kick yourself out of your comfort zone and try something new,” he added.

Anil entered the industry with a small role in 1979 with Umesh Mehra’s “Hamare Tumhare”, and then went on to carve his niche by balancing his stature as a respectable actor and his popularity as a saleable star, with performances including “Woh 7 Din”, “1942: A Love Story”, “Mr. India”, “Tezaab”, “Ram Lakhan”, “Lamhe”, “Beta”, “Taal”, “Nayak: The Real Hero” and “Pukar”.

Anil Kapoor, Amritsar
Anil Kapoor. Twitter

His versatility is proved by the fact that he was equally at home in these international projects as he was in out-and-out Bollywood outings as “No Entry”, “Welcome”, “Race”, “Dil Dhadakne Do”, “Mubarakan”, “Fanney Khan”, “Ek Ladki Ko Dekha Toh Aisa Laga” and “Total Dhamaal”.

Have your goals changed with time?

“Strangely enough, my goals haven’t changed much at all! I’m a simple man with a simple plan — to be better than I was yesterday. So that’s what I continue to strive towards,” said the actor, who recently became part of a panel discussion by Royal Stag Barrel Select Large Short Films in Kolkata to decode “what makes films powerful”, as part of a six-city tour.

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Next, he wants some “time off”.

“Then we dive into ‘Malang’ promotion mode and of course Karan Johar’s ‘Takht’,” he said. (IANS)

Next Story

Unit-Linked Insurance Plan- A Perfect Wealth-Building Tool for You

Most of the people prefer to go with these options

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insurance
Nowadays, aggressive insurance plans are being more popular than traditional plans like endowment policies. Pixabay

Savings and investments have become crucial parts of our lives, especially when the inflation and rising costs of living are concerned. Here comes the budgeting to force-fit several costs towards regular needs- from clothing to food, from education to other lifestyle stuff under insurance.

Different Investment Options Available for You

Since money-making is the priority for almost all of us, several investment options are open to getting anticipated returns from. The aim behind investments is nothing but to get higher returns as quickly as possible. Here, risk appetite also plays an important role. A general perception towards higher returns is that the risk is even higher. Usually, non-financial investments such as gold and properties are considered for a safer side, often when you do not need recurring cash-inflows. The rest, you can go with financial investment avenues such as- 

  • Mutual Funds- Usually, you have two options while investing under mutual funds as equities and debts. Equities give higher returns at high risk, whereas debts are considered as low-risk investments offering lower returns. 
  • Direct Equities- In simple words, stocks. Highly volatile assets, which may or may not give you sizeable returns. 
  • National Pension Scheme- the Pension Fund Regulatory and Development Authority of India has introduced NPS, where returns up to 11% can be gained with the minimum contribution of Rs.1000. 
  • Public Provident Fund- With the longer tenure of 15 years and tax-free investments, it is the safest investment among all, offered by the government.  
  • Bank FDs- Most favored form of investment where you have a choice of receiving interest on your investments on a yearly, half-yearly, quarterly or monthly basis. 
  • Senior Citizen’s Savings Scheme- A retirement scheme after the 60s of the age, you get invested with the interest rate of around 8.3% for the tenure of 5 years, and the capping of Rs.15 Lakhs. 

Most of the people prefer to go with these options. However, hardly a few of us analyze how much exactly do we spend and on what. The ‘must-have’ list starts with the life insurance on top of all; the investment part comes second. Why so?

Insurance
Savings and investments have become crucial parts of our lives, especially when the inflation and rising costs of living are concerned. Here comes the budgeting to force-fit several costs towards regular needs- from clothing to food, from education to other lifestyle stuff under insurance. Pixabay

You need at least one life insurance policy if you really care for your loved ones’ future. Have you ever thought of getting both the benefits of life insurance coverage and investment at a single host? Well, savings and investment plans make this better for you. 

Nowadays, aggressive investment plans are being more popular than traditional plans like endowment policies. Yes, we are talking about a ULIP policy.

Unit Linked Insurance Plans

A type of life insurance, Unit Linked Insurance Plan, helps you get a sizeable corpus at the end of the tenure along with adequate sum assured. In case of any uncertainty such as the demise of the insured, the company pays the full sum assured to the beneficiaries along with accrued corpus if any. Else, at the end of the tenure, you get maturity benefits as defined at the commencement of the policy.  

Though ULIPs offer a similar rate of return as that of ELSS or NPS, here you have a double benefit of insurance and investment. Along with life cover in terms of sum assured, here are three fundamental advantages of ULIPs-

  • Greater Returns- When compared to PPF or other investments like bank FDs, ULIPs definitely offer higher returns. The only thing you need to understand is the volatility of the market and the proper choice of funds. Your forecasting skills will help you get even more than what you anticipate. 
  • Flexibility- You can switch between multiple market-linked products such as debts, equities, or even a blend of both. If you feel a particular fund is not performing well, you can switch to another one for better returns. Forecasting can also be made with the help of top-performing ULIP funds.
  • Tax Benefits- ULIP tax-saving instruments help you save your hard-earned money and utilize it for a better cause. ULIP tax benefits can be availed for both premiums paid and maturity benefits under Section 80C and Section 10(10D) of the Income Tax Act respectively. The tax structure in India lets you save up to Rs.1.5 Lakhs per financial year when you invest in ULIPs. 

Bearing in mind the risk appetite and your future financial goals, you can choose to invest in suitable funds. This way, a unit-linked insurance plan becomes a perfect wealth-building tool for you. 

CRISIL Listings for ULIPs

When the most suitable ULIPs in the market are concerned, CRISIL enlists two ULIP policies from Edelweiss Tokio on top-most position on their ‘cost and performance evaluation list’. The wealth Secure+ plan helps you stay invested for a long-term to gain sizeable corpus whereas the Wealth Ultima plan is a systematic monthly plan. 

Edelweiss Tokio Life – Wealth Secure+

  1. Low premiums as just Rs.1000 per month
  2. Lock-in period of 5 years with lifetime coverage of up to 99 years of your age
  3. 3 different plan options
  4. Loyalty bonuses and maturity additions
  5. 5 Pay 5 Stay option for short term investment
  6. 7 different funds to choose from
  7. Tax benefits
Money, Savings, Piggy, White, Saving Money
A type of life insurance, Unit Linked Insurance Plan, helps you get a sizeable corpus at the end of the tenure along with adequate sum assured. In case of any uncertainty such as the demise of the insured, the company pays the full sum assured to the beneficiaries along with accrued corpus if any. Pixabay

Edelweiss Tokio Life – Wealth Ultima

  1. Systematic transfer plan supporting your goals and strategy
  2. Systematic withdrawal from the fund value
  3. Life cover up to 80 years of your age
  4. Policy, guarantee, and booster additions
  5. Little champ benefit for your child
  6. Tax benefits

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To conclude, ULIPs stand to be perfect when you are aiming to gain a sizeable corpus with wealth-building tools. Both the plans mentioned above are available online, and you can buy the best suitable one as per your convenience. Fund allocation and all the essentials can also be made online. Thus, stay invested with unit-linked insurance plans and chase your financial goals, effortlessly!