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WHAT ARE INVESTMENT PLANS?

Investment Plans are financial products that help you create wealth for your future goals. Even life insurance products are used as investment instruments. There are two types of insurance products which cater to your need of investment and savings – Unit Linked Insurance Plan (ULIP) and endowment plans (Savings plan). ULIP is a market linked product where your returns are dependent on the market’s performance. In the case of an endowment plan, your maturity benefit is not linked to the market’s performance.

BENEFITS OF INVESTMENT PLANS

  • 01

    ACCRUAL ADDITIONS

    You get guaranteed accrual additions in an endowment plan

  • 02

    FUTURE GOALS

    ULIPs have a lock in period of 5 years so that your long term goals are met without any hindrances

  • 03

    HIGH RATING

    The individual funds are rated 4 star by Morningstar*

  • 04

    GUARANTEED RETURNS

    Get guaranteed returns even during market uncertainties by investing in Endowment Plans

  • 05

    TAX BENEFIT

    Tax benefit is provided on premium and returns

  • 06

    SWITCH FUNDS

    You can switch between funds based on your risk appetite

  • 07

    DEATH BENEFIT

    You also get death benefit in ULIP & Endowment plans

  • 08

    LOAN FACILITY

    You can meet immediate needs with the loan facility available in endowment plans

WHY SHOULD YOU CHOOSE AN INVESTMENT PRODUCT?

WHY SHOULD YOU CHOOSE AN INVESTMENT PRODUCT?

When you invest in a life insurance product you get dual advantage i.e. your wealth is growing and you also get a life cover. Apart from that, all life insurance products provide tax benefits. Some also provide dual tax benefit which means you avail tax benefit when you invest and you also get tax free returns. This dual benefit may not be available in other investment instruments.

ULIP is a market linked product. However, you have the flexibility of switching between funds based on your risk appetite. If you are a low-risk player you can invest in debt funds if you are an avid investor who doesn’t mind taking risks than you can invest in equity funds.

While ULIP provides great returns if you invest for a longer term, endowment plans provide you with a fixed and guaranteed sum assured. Endowment plans are suitable for the goals which you don't wish to compromise.

IMPORTANCE OF RATINGS FOR INDIVIDUAL (ULIP) FUNDS

Since ULIP is a market linked investment instrument, you should look for the ratings of the individual funds from a verified source.

IMPORTANCE OF RATINGS FOR INDIVIDUAL (ULIP) FUNDS

If the funds have performed consistently well in the past there are higher chances of it performing well even in the future.

This means your chances of getting good returns will be higher.

High rated funds

ARTICLES WORTH READING

  • Things you must know about Endowment Plans

    read more
  • Understand-the-power-of-compounding

    Understand the power of compounding

    read more
  • What-is-ULIP

    What is ULIP?

    read more
  • Why-choose-ULIP-as-an-investment-option

    Why ULIPs are one of the best tax saving instruments

    read more
  • 4-Myths-About-Investing

    4 Myths About Investing

    read more
  • How-timely-savings-can-help-you-reach-your-goals

    How timely savings help you reach your goals?

    read more

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