New Car - Ritz Zxi

It has been almost 2 months since i took the Ritz (Zxi, Baker's Chocolate). Over these days i am happy to notice a steady increase in the number of Ritzs on road. And why not, as per my experience (and many reviews on the internet) it is a real value-for-money, practical car. If you have a weak lower-back, has a tall frame to carry with you and do not yet want a "big" car, the Ritz is a boon!

When i decided to go for a new car, my prime consideration was a higher and better riding posture than my good old Zen. And my budget was around 5 lakhs.  So the options for me were rather limited. The following were considered:

Heads who wins? Tails who wins?

"Heads you win. Tails you win" - said the brochure of SBI's Smart ULIP, handed over by a marketing executive.

I knew that the current status of ULIPs in India is not that good and that one should always apply caution when opting for one. I never came across a decent online illustration of  ULIPs until today. This illustration in SBI's website details the plan for the customary 6% and 10% returns. It saved me the trouble in decoding various charges deducted at different points in time, in different denominations and at different rates.