Hello. May be you have had bitter experience with the pension plan, to invest in which, was your own decision or the recommendation of the insurance agent. But, the information you possess about these is not complete and correct. Also, your recommendations (to invest in PO MIS etc.) are not agreeable for certain reasons. You need to contact a Financial Planner (Not an Agent, Distributor, Broker etc. whose income is the commission or brokerage he gets from the insurance companies and mutual funds).
