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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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.

Past 5 Year annualised returns as on 01-05-2024

^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 lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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