I am 28 year old unmarried male working in IT company. I am currently drawing handsome monthly salary. My company has good EPF,Gratuity and Group Insurance Policy. I am planning to get married in 1-2 years of time frame.

As of date, I have following LIC policies :-

Policy Name/Sum Assured/Premium/Mode/Commencement date/Maturity Date

LIC New Bima Gold-179/800000/19873/half-yearly/15-Oct-2008/15-Oct-2024/

LIC Market Plus-I Growth/10000/10000/one-time/16-Oct-2008/1-Oct-2018

The money back policy/50000/801/quarterly/27-Nov-2002/27-Nov-2022/

In addition to this I have following Mutual Funds (SIP -ELSS U/S 80C OF IT ACT):-

Fidelity Tax Advantage (Growth)   – Rs 2000 per month

HDFC Long Term Advantage (Growth) – Rs 1500 per month

HDFC Tax Saver (Divident)         – Rs 1500 per month  

and ULIP Plans

Bajaj Allianz-Century PLUS/150000/15000/half-yearly/7-Dec-2007/7-Dec-2017 (So far my fund has grown 160% on investment)

Bajaj Allianz-Invest PLUS/150000/15000/yearly/12-Nov-2010/12-Nov-2020 (Tradional ULIP plan)

I am staying in a rented house now (rent 10K per month). I am planning to buy a car in 2-3 years of time and later a good flat raising a loan.

Request your guidance on my future financial planning and any correction in the already made investments(particularly I am not satisfied with  LIC New Bima Gold policy, as its future return value is too low.)

Thanks and Regards

Suraj