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@giobob If liquidity and Annuity clause doesn't apply, it is a cheap customized hybrid fund. it is not good for someone who actively invests on individual stocks and stock traders. regret of missed opportunities where the locked amount could be put to work. you can pay tax and spend money...

@unquirer Ah clear now

@unquirer Then why would you not invest in tier 1 if you dont withdraw it for next 30 years. Atleast you will get tax benefits