What is the BTIR strategy?

BTIR stands for 'Buy Term and Invest the Rest'. It decouples insurance from investment, allowing you to maximize protection via term plans and maximize wealth via dedicated investment vehicles.

Are endowment plans safer than mutual funds?

Endowment plans offer 'guaranteed' returns but they are usually low (4-6%). Mutual funds have market risk but historically offer 10-14% returns over 15+ years, far exceeding endowment gains.

Is term insurance a waste of money?

No. Term insurance is a cost for risk transfer, similar to car insurance. The 'waste' is in losing potential wealth by mixing insurance with low-yield investments.

Premium vs Investment Return Comparator

Calculate the opportunity cost of paying high premiums for traditional plans vs buying term and investing.

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Quick Summary: Premium vs Investment Return Comparator

The BTIR strategy for FY 2026-27 involves separating insurance and investment. By buying a pure term plan and investing the surplus in equity MFs, you can potentially build a corpus 3x larger than traditional endowment plans with the same outlay.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.