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A Guide to Getting Better Returns with ULIP Investments
ULIPs are investments that help your money grow while simultaneously offering you a life cover. Specifically, unit linked insurance plans are a hybrid investment and insurance product for the same premium. Part of your ULIP premium goes towards your life insurance. The latter part of it goes towards investing in market-linked investment products of your choice. The key to making the most of your ULIP investments is to formulate an investment strategy that can aid in maximizing your returns from your ULIP. Here are some tips that can help you get better returns from your ULIP investments.
1. Select your funds carefully
The funds you choose to invest in through your ULIP scheme are where part of your premiums will go each month. Market-linked products have the potential to underperform which is why you always have the option to switch between funds. With some ULIP plans like Click 2 Wealth
5. Be Mindful of Life-stage Requirements
Your needs across your life stages can change based on personal requirements. Early on in your financial career, taking more risks is possible. Not only do you have fewer responsibilities, but time is on your side as well. If you mess up, perhaps you have a financial cushion provided by your caretakers to fall back on. Later in life, these benefits are not afforded to most people. Hence, switching their ULIP investments from risky options to safer options might be in their best interest. It might not be wise to stick with the same funds throughout your life as your financial needs are bound to change.
Related Article :
- Understand the Terms of ULIP Plans
- ULIPs or SIP: How to Choose Wisely
- Are Rolling Returns an Accurate Depiction of Fund Performance?
ARN:ED/11/20/21338
The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions - protection, pension, savings, investment, annuity and health.
HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
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