Let’s talk about something that doesn’t often get the spotlight in personal finance conversations—rationality. Not just at the point of choosing where to invest, but all through the life of your financial product.
And what better way to explore this than through the lens of the Exempt-Exempt-Exempt (3E) strategy?
If that sounds like jargon, don’t worry—we're breaking it down.
What is the 3E Strategy?
The 3E strategy refers to financial products that are tax-exempt at three critical points:
- When you invest
- When you withdraw (after the lock-in, before maturity)
- When the product matures
It’s a rare financial trifecta.
Once upon a time, ULIPs (Unit Linked Insurance Plans) were the poster child of this strategy. But changes in regulation and a shift in investor preference pushed them out of favor. Today, other partially 3E-compliant products like EPF, PPF, and NPS exist, but they come with long lock-ins and limited liquidity.
So, why bring up the 3E strategy now?
The Real Game-Changer: Rationality
We believe rationality is the real edge in financial planning. Not just at the beginning when you're picking a product based on your financial goals, but during the product's entire lifecycle.
Unfortunately, data tells us we don’t always stay rational:
- The average holding period for a mutual fund is just 24 months.
- Over 20% of life insurance policies lapse within two years.
Why are we so quick to exit?
Some experts argue the fault lies at the point of entry—maybe the product wasn’t suitable to begin with. Others say life happens, and unexpected needs force our hand. But maybe, the truth lies somewhere in the middle.
At VISO, we believe the solution isn’t just better product selection—it’s ongoing rationality.
Loyalty Beyond the Point of Sale
Unlike many in the industry, our loyalty doesn’t end when you sign the dotted line. At VISO, we partner with you throughout your investment journey. We actively monitor, reassess, and advise so you don’t lose focus or make emotionally driven exits.
We’re not just advisors—we’re allies. Because your edge is our purpose.
Markets will fluctuate. Crises will come and go. But our loyalty remains, not as a quid pro quo, but as a constant—your indigenous edge in a volatile world.
So next time you evaluate an investment, ask yourself: Am I just picking a product? Or am I choosing a partner who helps me stay rational throughout?
