HOW TRUE ARE TEMPTING ADS ABOUT HIGHEST NAV PRODUCTS?

Vishal Dhawan, Mumbai-based financial planner: ''These plans should not be seen as substitutes to pure equity plans that surely have a potential to give better returns over a period of seven to ten years. However, if you are a conservative investor who is looking at nominal returns while ensuring that the principal value is protected, then you may invest 10 per cent of your portfolio in these funds. But since there are a number of companies selling these products now, do compare the charges before taking the final call.''