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Payment of 3rd Ulip premium

Dear Manish,
I have a querry, hope u will help me out.
I have paid two premiums of 1,00,000/- each in SBI unit plus III (Ulip plan).
Should I go ahead & invest in the 3rd premium or should I surrender it and invest the same in MF Sip with long term horizon.
Your reply shall be of great help to me to build a retirement corpus.
Regards.

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