What if you could enjoy market growth and simultaneously know your capital is 100% secure? Sounds like the best of both worlds, right? Moreover, capital guarantee plan combines safe investment options with market-linked returns without the risk of losing one’s hard earned money.
At PNB MetLife, we appreciate the need to secure finances while increasing wealth. This is why we have designed PNB MetLife Capital Guarantee Plus, a first-of-its-kind plan that provides the safety of guaranteed returns with the potential of earning more through market investments. Let us find out how this works.
A capital guarantee plan is an investment feature that assures repayment of the full capital placed in the investment, regardless of the market condition. In addition to ensuring capital, a certain part of the capital placed in the plan is invested in the market to generate profits.
There is no need to sacrifice growth for safety; with capital guaranteed investments, you can enjoy both. These investments put your principal at no risk while allowing you to invest in the market, unlike traditional ULIPs or other funds.
Let’s explore case study to understand the workings of a capital guarantee solution.
At age 40, Mr. Sharma is a working professional who is considering how to save for retirement. Given his stable income, Sharma plans to invest in investments that are both safe and provide growth. At the same time, he carefully considers PNB MetLife Capital Guarantee Plus. If Mr. Sharma invests ₹20,000 per month for 5 years, this is what his investment works out to:
| Investment Details | Amount & Benefits |
|---|---|
| Monthly Investment | ₹20,000 |
| Investment Period | 5 years |
| Policy Term | 20 years |
| Guaranteed Capital Return | ₹12,00,000 |
| Market-Linked Returns (Assumed @8%) | ₹20,56,977 |
| Market-Linked Returns (Assumed @4%) | ₹10,31,852 |
| Total Benefits (at 8%) | ₹32,56,977 |
| Total Benefits (at 4%) | ₹22,31,852 |
He will receive ₹12,00,000 at the end of the policy and more with market-linked returns, making it a safe investment with high returns.
A capital guarantee solution isn’t simply a savings plan; it is an innovative way to protect and grow your wealth. Consider the following benefits:
PNB MetLife Capital Guarantee Plus is a plan crafted with the utmost precision to provide safety and returns. Here’s what makes it unique:
| Feature | Benefit |
|---|---|
| Guaranteed Capital Return | 100% return of premium invested |
| Growth Potential | Market-linked returns with no risk to capital |
| Top Performing Funds | 3 year CAGR of 34% |
| Liquidity | Partial withdrawals allowed after 5 years |
For those who would like to maintain their investments for a longer period while keeping their wealth safe, a capital guarantee plan is a suitable option. It is suitable for:
Here are important criteria to invest in PNB MetLife Capital Guarantee Plus:
| Parameter | Eligibility |
|---|---|
| Minimum Entry Age | 30 days |
| Maximum Entry Age | 60 years |
| Maximum Maturity Age | 80 or 99 years |
| Premium Payment Term | 5 to 12 years |
| 5 to 12 years | ₹96,000 |
Having a capital guarantee plan includes a certain degree of risk and makes a person more skilled in wealth accumulation. With PNB MetLife Capital Guarantee Plus, profit-making investment opportunities that exceed expectations while offering life coverage with protected capital become available.
Guaranteed returns, growth potential, and top-performing funds help you save money for retirement and your child’s future – all while ensuring financial stability with unmatched inflation protection.
Secure your future today by investing in PNB MetLife Capital Guarantee Plus to secure your money while it grows.
Compared to direct market investments, capital guarantee plans are considered safer because they protect your initial investment up to 100 per cent.
Yes, the funds are not locked after five years, so withdrawals are permitted.
Currently, the maturity proceeds from capital guaranteed investments are tax free, but tax laws can change, so consulting an expert is advisable.
Piyush Kataria, SEO Manager at PNB MetLife, is a seasoned digital marketing strategist with over a decade of experience in optimizing websites for search engines. His expertise extends to keyword research, content strategy, technical SEO, and link building, all of which have been instrumental in driving organic traffic growth at PNB MetLife. With a strong foundation in life insurance, Piyush leverages his industry knowledge to create targeted and effective SEO campaigns.
Sakshi Malhotra is a seasoned marketing professional associated with the Life Insurance industry since 2007. At PNB MetLife, she heads Digital Marketing and Direct to Customer line of business. She is responsible for driving effective customer engagement through the company’s website and social media channels. In addition, she drives customer online buying journeys to help them buy the right product.
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.
PNB MetLife India Insurance Company Limited
Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
IRDAI Registration number 117 | CIN U66010KA2001PLC028883
For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale.
Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details.
Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.
| Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers! IRDAI or its officials is not involved in activities like selling insurance policies, announcing bonus or investments of premium. Public receiving such phone calls are requested to lodge a police complaint. |
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