[integratdbrains]

well crazyboy,i have been designing alot of financial products for various companies.... your question directly hits by bread and butter but been a CEan i should atleast throw some light on it.Its like this.. when a company launches any of the financial schemes the company has worked out over it's various costs (u might be knowing)-like the operational costs, the preliminary costs etc.In the market every monster (all the big corporates as well as the small ones who eventually become big or wrap up and become wealthy theres lots into this aspect lets not get into this.) is there for making money.Money for himslef not for the public.for example you have given an SIP of 100K.Let me take up this,if you are promised to be paid 50K in 4 months remember the company is making a 100K at the present moment! Of course this is a rough idea i am trying to potray for you. It is highly variable and depends on the area of investment of the company.I hope i have done justice to both the things.. my profession and CE.For any further clarifications send a personal mail to me.