Hi everyone, I purchased sbi wealth bond product.Before that rajendra sbi life agent person he explained about the product each and every point. it gives minimum 12% returns if we the pay the money just 5 years and each year premium policy amount 1 lakah we will get 45 lakhs after 30 years.If we requires money between we can withdraw 15 % of totalvamount from 6th year to 10th year .Most important thing is if requires we can shift the money from balanced fund to equity or tax saver fund