Why Investing More in LIC and Less in the Share Market is a Safer Choice

 LIC vs Share Market: Why Putting More Money in LIC Keeps Your Investment Safe

Why You Can Put More Money in LIC and Less in the Share Market

When we save and invest money, we want it to grow and also stay safe. Many people like the share market because it can give high returns. But the share market can also go down suddenly, and you can lose money. Life Insurance Corporation of India (LIC) is different. It is safe, gives steady returns, and also offers life insurance. For people who want safety, it may be better to put more money in LIC and less in the share market.

1. LIC is Safe
LIC is run by the Government of India. This means it is very secure. The money you put in LIC will not disappear overnight. In the share market, prices go up and down every day. If the market falls, you can lose money quickly. LIC protects you from this risk.

2. Life Insurance Benefit
When you invest in LIC, you also get life insurance. This means if something happens to you, your family will get money from LIC. This helps them stay financially safe. The share market does not give this kind of protection.

3. Fixed and Steady Returns
LIC may not give very high returns like the share market, but it gives steady and predictable returns. Many LIC policies also give bonuses every year, which increase your total amount at maturity. You know in advance how much you will get.

4. Tax Benefits
When you invest in LIC, you can save tax under Section 80C of the Income Tax Act. The money you get at the end of the policy is also tax-free in most cases. In the share market, you have to pay tax on the profit you make.

5. Less Risk
The share market is risky. You can make big profits but also face big losses. If you keep more money in LIC, you face less risk. This way, at least part of your money stays safe, even if the share market goes down.

6. Good for Busy or First-Time Investors
The share market needs time and knowledge. You have to check prices, follow news, and make decisions quickly. LIC is simple — you buy a policy, pay the premiums, and wait for maturity. You don’t need to watch the market every day.