After, going through most of the plans offered by insurance company, I finally considered the non-contratual plan as my final strategy for life long investment.Since most of the plans offered by the insurance companies are mirror funds and well, it is really hard to make it clear all the charges from them.In my opinion, to make your money works best for you, you can buy funds from direct fund house or funds (no year limit from banks when they offer discount ).Make sure not to sign anything before you really understand ALL the details written in black and white!!!next, if you want to invest for over many years in a market that you are familiar, you can invest in index funds which are simple, low charges(you have to find it out).:-P
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