⚖ 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.
This is your own-earnings tool — not a way to choose a product.
What a client is put into follows from their goal, their horizon and their
risk profile. It never follows from what it pays. Use these figures to
understand your own economics, and to answer honestly when a client asks
you what you earn.
📈
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. For exact figures, check each product's own commercials with the AMC or insurer. All calculations exclude GST and TDS.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.