Hello Experts, I have a question regarding ULIP investment. I have 2 ULIP policies Bajaj Allianz and Birla sunlife. I am paying premium of 20k and 12K per annum respectively. I am not getting good returns on them so far.  I am thinking of withdrawing the money from ULIP and put it in FD. Is […]

Hi, Firstly, I am a researcher in engineering and don’t know anything about investments or any such financial stuff. So, please refrain from too much financial jargon. Yesterday, I went to my bank branch and was trying to take a tax saver FD. The manager there then told me about ICICI systematic retirement solution. In […]

I have max life ulip policy. looking at the present value I am at loss of @ 20000 equivalent to its first premium. i have one premium left for five years completion. when i will break even??? the policy is fortune builder and premium is 25000.

Hello Sir I have invested in 2 BSLI Dream Plans since 28/12/2009 with Sum Assured 62,835.00 for a plan with annual premium of Rs; 4,998 with current Unit Fund Value 10,187.76 and another plan of Rs; 15,009 annual Premium with sum assured of RS 212,105.00 and with current Unit Fund Value 37,098.80 and I have paid the premium of the last 3 […]

Hello,  I bought two ICICI Pru ulips, one in Dec’2008 and one in Oct’2009. Both of them I have paid 3 years and stopped paid premium. Both are 80-20 Equity and Bond ratio. The one bought in 2008, they invested in : Flexi Growth Fund IV Protector Fund IV.  The one bought in 2009, they invested in […]

Hi Manish, Recently i took ICICI’s Prudential Systematic Retiement Solution, Which is combination of ICICI pru Wealth Builder (a Unit linked insurance Plan) and ICICI Pru Immediate annuity (a non linked  insurance plan). In this Sum Assured is 5,00,000/- and have to pay 50k for 5yrs and the policy term is 10 yrs.The policy shows […]

Hi, Its for my brother, He has a ULIP  policy opened under New Unit gain plan in 2007 , with 20 yrs term and 50000 premium per year. He had paid 3 installments and stopped paying premium, and let policy run until now (largely due to not being in country). When he approached bajaj allianz […]

Hi Friends, Back in 2007 when I was not aware about the pitfalls of ULIP policies, I was lured into buying two policies for my kids (Smart Kid Regular Premium) with annual premium of Rs. 25000 each and total cover of Rs 2,50,000 each for  a period of 20 years. It has been 6 years […]

Hi, Can ULIP ever make more profit than FD’s or conventional investment instruments. If we switch the funds at correct time and take more efforts will ULIP beat the traditional instruments ? Thanks!

I invest every year 10000 in ICICI LifeTime Pension plan under Pension Maximiser Fund  for retirement. My age 35  yrs. I have opened this ULIP back in 2004. Pension plan still has about 11 years still remaining till maturity. Deducting the costs the fund value stands approximately 196000. I now want to increase my premium […]