If you have Warren Buffett like skill, can find good growing companies trading at a large discount before everybody else does, and a history of 20 %
+ yearly returns, I advise you to stick with Buffett's contemporary buy - and - hold - forever strategy.
The
returns are computed after considering
yearly premiums from 1 to 10th year and outflow of 8 % of sum assured every year for subsequent 10 years
+ maturity benefit (Sum assured
+ 10.5 % guaranteed additions per year on sum assured).