⚖ MF Trail vs Insurance Commission
Compare what you earn as an MFD from mutual fund trail vs insurance commission over 5, 10, and 20 years for the same client premium/investment.
📈
Mutual Fund Trail
Ongoing commission as % of AUM
Typical: Equity 50-70 · Debt 20-40
TOTAL TRAIL YOU EARN
₹0
over — years
Client's final corpus₹0
Average annual trail₹0
Peak year (last) trail₹0
🛡
Insurance Commission
First-year + renewal commission structure
Optional extra e.g. persistency bonus
TOTAL COMMISSION YOU EARN
₹0
over — years
Year 1 commission₹0
Renewal years total₹0
Effective % of total premium0%
💰 Side-by-Side Earning Comparison
What you earn from each product over different time horizons (same annual client outflow assumed).
5 YEARS
MF Trail₹0
Insurance₹0
Winner—
10 YEARS
MF Trail₹0
Insurance₹0
Winner—
20 YEARS
MF Trail₹0
Insurance₹0
Winner—
Enter values above to compare
| Year | MF AUM at Year-end | MF Trail Earned | Insurance Commission | Cumulative MF | Cumulative Insurance |
|---|
⚠️ Indicative estimates only. Actual mutual fund trail rates depend on scheme (equity/debt/hybrid) and B15/T30 city classification. Actual insurance commissions vary by insurer, policy type, and IRDAI regulations. Compare specific product commercials before recommending to clients. All calculations exclude GST and TDS.