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

    LOAN FACILITY

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

  • 02

    DEATH BENEFIT

    You also get death benefit in ULIP & Endowment plans

  • 03

    SWITCH FUNDS

    You can switch between funds based on your risk appetite

  • 04

    TAX BENEFIT

    Tax benefit is provided on premium and returns

  • 05

    GUARANTEED RETURNS

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

  • 06

    HIGH RATING

    The individual funds are rated 4 star by Morningstar*

  • 07

    FUTURE GOALS

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

  • 08

    ACCRUAL ADDITIONS

    You get guaranteed accrual additions in an endowment plan

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

  • ULIPs – long term investment plus best tax saving instruments

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  • Why choose ULIP as an investment option?

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  • Do I Really Need To Make Tax Saving Investments?

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  • SIP - Where Company Invests With You

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  • How to get Triple Benefits with ULIP?

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    What is ULIP?

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  • Understand-the-power-of-compounding

    Understand The Power Of Compounding

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  • Step By Step Guide On How To Buy Term Insurance Online

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FREQUENTLY ASKED QUESTIONS

  • You get additional accrual benefits along with your returns. This acts as a bonus which you will get at the end of the policy term.

  • Like all life insurance plans, Edelweiss Tokio Life – GCAP provides death benefit.

  • You get dual tax benefit with Edelweiss Tokio Life – GCAP. You can avail tax benefit on the premium you pay u/s 80C and even the returns are tax-free u/s 10(10D).

  • Edelweiss Tokio Life – GCAP is an endowment plan which provides guaranteed returns. The policyholder has the sum assured mentioned in his/her policy document itself.

  • Mutual funds are pure investment products whereas ULIPs are insurance cum investment plan.  ULIPs are a relatively less risky product because they are insurance products. 

  • A ULIP is a market-linked investment cum insurance plan whereas an endowment plan is a life insurance policy which, apart from covering the life of the insured, helps the policyholder save regularly over a specific period of time so that he/she is able to get a lump sum amount on the policy maturity in case he/she survives the policy term. 

  • A term plan gives your nominee the life cover amount (which is very high) in case of the policyholder’s sad demise. But if the policyholder outlives the policy term, he gets nothing. In a ULIP, which is an investment plan, you get a certain amount of returns based on the funds you’ve invested in, after the investment period. Bu if you expire before your policy term, your nominee would get the fund value up to that point.

  • Endowment plans are safer than most investment plans as they give you guaranteed returns in case you outlive your policy term. In the event of your sad demise before the end of your policy term, your nominee would get the sum assured.

  • ULIPs are a great investment option! They are very flexible and considerably stable. You can check the fund performance of any fund and you can change the fund(s) you want to invest in, as per your wish and risk appetite.

  • There is no such exact formula that will tell you when this will happen. It all depends on the market.

  • It’s easy. Once you’ve invested in our investment plan, all you have to do is login with your policy number and you can visit your profile which has all your information.

  • There are two kinds of funds in an investment plan – equity fund and debt fund. An equity fund gives you high returns but also carries high risk. A debt fund is comparatively stable, is less risky and give you moderate but guaranteed returns.

  • Again, that is your choice and depends on your risk taking capacity. Always check the fund performance, see how has the growth rate been since the past few years and also see all the available funds in the savings plan while you make the decision. Moreover, you don’t have to worry about your decision because you can change funds unlimited number of times. There is no charge for switching funds.

  • That completely depends on how you have divided the money between the given funds in your investment plan. An equity fund can give you high returns but the risk factor is also considerably high. A debt fund is the least risky but will give you moderate and guaranteed returns. But you don’t have to self-manage all the time. You also have the option to let us decide what’s best for you.

  • As the funds in an investment plan like a ULIP are linked with the share market, their performance is directly affected by the very market. The performance of any ULIP is hence market-driven.

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