You can also pocket longer-tenure premium discount by paying at one go. Invest in direct plans of mutual funds Rs 2-lakh invested in an equity fund yielding 12% gross per annum with a 20-year investment horizon. Age Regular plan Direct plan Expense ratio 1. 75% 1. 25% Final corpus after 20 years (Rs) 14. 08 lakh 15. 41 lakh Difference (Rs) - 1. 33 lakh Smart tip: Investing through direct plans of mutual funds can make a substantial difference to your final corpus. Don't surrender Ulip in the fourth year Surrender charges in year 4: Rs 2, 000 Surrender charges year 5 onwards: Nil Smart tip: Don't surrender Ulip after paying premiums in the fourth year. Hold on for a year. This will save you discontinuance charges, especially if you can afford to pay premium for another year. Good health saves you more Annual premium for a 35-year-old healthy individual: Rs 6, 300 Annual premium for diabetes* patient: Rs 8, 190 Assuming a loading of 30% on the health insurance premium payable. *For a Rs 5 lakh cover Smart tip: Premium loading depends on the insurer.
Two months ago, Virgin Media sketched out its gigabit broadband plans for millions of homes in the UK. It said that trials were underway and rollout would start in the coming months. The broader plan was to roll out the 1Gbps service to 1 million UK homes by the end of this year, with the whole of the Virgin Media network targeted for 2021 - that's 15 million homes. Today, Virgin Media's new DOCSIS 3. 1-powered 1Gbps broadband, dubbed Gig1 Fibre, is being made available to approx 100, 000 homes in Southampton. There is a new router launch alongside this gigabit service; the Virgin Media Hub 4. It was already confirmed that Virgin Media's Gigabit package will deliver the following; an average download speed of 1, 104Mbps and an average upload speed of 52Mbps. Virgin reckons Gig1 is ideal for things like watching streaming ultra-high definition 4K films and TV programmes, and downloads of very large files and 360 degree videos can happen "almost instantaneously, even with multiple devices using the connection simultaneously".