ULIPs have indeed improved quite a bit in last 10 years...thanks ETmoney for always providing such insightful video and this actually updates a previous video which didn't see ULIPs in good lights!! So charges are down but they could be lower , especially the FMC. I think a index fund option would easily do the trick...but then again wherever tax saving is involved just like ELSS , no AMC or insurance company like to loose out on earnings by offering index fund option. But hopefully this too will change with more players coming into both sectors...
@ETMONEY
2 жыл бұрын
Most welcome. Yes, it's all in the math. If the life insurer were to offer an index option, then they'll have to use other areas to make money - like taking a small premium allocation charge.
@viveksinghnia9730
3 жыл бұрын
Best awaited video et money guide us that ulip is also good only check least expenses
@anutoshbhattacharya6287
3 жыл бұрын
Hi Shankar, Nice to view your video on this critical subject. My recommendation will be mutual fund as I have lost lot of money in ulips . One staff of hdfc bank misguided me and for 5 years i gave 50 k as ulip premium. After 7 years after staring the investment I got only 50 k as profit. But in mf after 4 years of investment my annualized return is 19 percent.
@pranitapatil6504
2 жыл бұрын
Have u invested through Online ulip plan..?
@onlinechesslecture9003
2 жыл бұрын
Bro go for ulip only if you want to invest for 15+ years. As you don't have pay any tax
@vamsikrishna1934
2 жыл бұрын
Total how much u invested?
@vamsikrishna1934
2 жыл бұрын
Which plan you took ? Can you tell details ?
@sabeerali5610
3 жыл бұрын
Real genius and a perfect teacher.... hatsoff
@ETMONEY
3 жыл бұрын
Thank you Sabeer Ali
@preethamrai4373
3 жыл бұрын
Hats off to you sir! I think I saw almost all videos ET uploads. Nothing seemed waste of time, worth watching every time.
@ETMONEY
3 жыл бұрын
Thanks a ton. Very nice to receive such praises .. really lifts up the day!
@ramyasri6093
3 жыл бұрын
Sir. I dint really expect that ULIPS have improved so much. Don't ULIP's have restrictions like large cap mutual funds that 80% of their AUM to be in top 100 large cap Companies? Over a period of 20 years or so...the ULIP's have given 12-15% tax free returns?
@preetisharma644
3 жыл бұрын
Thanks... Liked it to listen.. I wanted to be educated in these.. So finding you as a teacher here is very good
@ETMONEY
3 жыл бұрын
Most welcome! Wishing you the best
@preetisharma644
3 жыл бұрын
@@ETMONEY sir, can I have videos on what is sip.. How to convert it into mutual or ulips.. How to start a pitch for it.. There are lot of questions . Can I have your number of don't mind. Or can we have a discussion about this over the email you could provide me .
@ETMONEY
3 жыл бұрын
We have a popular video on SIPs, please have a look. kzitem.info/news/bejne/zGmJyHqlspd3lX4
@rodneybaptist
Жыл бұрын
Thank you for the unbiased views on both products
@prakashraghunathan2685
3 жыл бұрын
What is the rationale for insurance companies to introduce ULIP,when charges are more and returns are low
@siddhabhatikar5335
3 жыл бұрын
Most awaited video sir. Thank you !
@ETMONEY
3 жыл бұрын
Thank you
@giri9934
3 жыл бұрын
Very informative. Appreciate the effort you put in to create this video. Thanks.
@ETMONEY
3 жыл бұрын
Our pleasure. Glad it was helpful!
@pawankumar-be6bg
3 жыл бұрын
Dear shankar, I watch your videos regularly. I have invested in ULIP policy icici prudential elite II, during pandamic its value went very down in negative. What will happen on ULIP maturity if this type of market crash happens at muturity time. In mutual fund we can wait for recovery of markets but in ULIP can we wait for recovery of markets and then claim amount? Sir will you guide us. Thanks
@sayyedaarif1187
3 жыл бұрын
Am on the page as you😭
@pawankumar-be6bg
3 жыл бұрын
@@ETMONEY thanks for reply.
@RAVIPRAKASH-vn5ck
3 жыл бұрын
If your policy Maturity is coming then go for settlement option.. means you can extend the policy term.. please note your returns will be tax free... If you have just started investing in ULIP then to protect your gain or further loss switch from equity fund to debt or balance fund. Don't withdraw money it is the only equity investment which gives tax free returns from equity if you have invested since very long & before 1st Feb 2021... Better you consult your advisor... Thanks
@abhishekgaikwad5215
3 жыл бұрын
Can you please add comments on how LTCG and No Tax on ULIP Maturity behaves
@riteshkumar043
3 жыл бұрын
Pls make a video in mutual fund vs share market
@tusharjain2811
2 жыл бұрын
Keep the good work up. Amazing content and presentation.
@ETMONEY
2 жыл бұрын
Thank you
@TheSpidyfire
3 жыл бұрын
Don't considered ULIP as investment scheme. Stay away from ULIP, buy term insurance & invest in MFs..
@RAVIPRAKASH-vn5ck
3 жыл бұрын
ULIP is cheaper than MFs if you buy 4th generation ULIPs it cost you around 1-1.2% approx & tax free returns if invested upto 2.5Lakhs annual premium. Most importantly low LTCG due to loyalty benefits & best part for you to have control on your investment. Only thing you need to check the right one as per your requirement if time horizon more than 5 years & more ...
@TheSpidyfire
3 жыл бұрын
@@RAVIPRAKASH-vn5ck Sir, ULIP provide coverage max 10x of premium. Eg for 1lakh premium pay, insurance coverage u ll get is 10 lakh.. Other way around to get 10 lakh coverage u can buy any cheap term insurance with out any lock in. No ULIP fund beats any mutual fund house untill now, the bones/loyalty benefit offered is less than 1% of coverage value for sure.(no assurance) The point is avoid mix of insurance & investment scheme which ll help in long run. 😁
@ramyasri6093
3 жыл бұрын
@@RAVIPRAKASH-vn5ck sir ..does any 4th gen ULIP's have track record of 10-15 years & performance similar to mutual funds? The concept which i like about ULIP's is entire returns is tax free...
@RahulKumar-wn4mg
3 жыл бұрын
@@ramyasri6093 I think rebalancing feature is also very useful...
@kuldeepkatiyar6455
3 жыл бұрын
@@TheSpidyfireterm plan without lock in MATLAB.
@deveshpratapsingh108
3 жыл бұрын
Partial withdrawal available in ulip plan upto 15% of fund value after lock-in period of 5year that gives liquidity too
@IamRajanKhanna
2 ай бұрын
15% is liquidity?! NOICE!
@kshah2822
3 жыл бұрын
Sir as a nri which one you prefer ulip or mutual fund? Thanks
@arunkumarreddy7223
6 ай бұрын
Very nice of you sir crystal clear information Thank you sir
@baggirijagan679
3 жыл бұрын
Tq sir good details explain and sweet voice
@ETMONEY
3 жыл бұрын
Thanks and welcome
@koyand4626
3 жыл бұрын
Very enlightening
@ETMONEY
3 жыл бұрын
Thank you
@kunalgarg8901
3 жыл бұрын
Very good analysis ETmoney team.
@ETMONEY
3 жыл бұрын
Thanks Kunal Garg
@heymanth8997
2 жыл бұрын
Very good and clear content. Very Informative.
@ETMONEY
2 жыл бұрын
Thank you very much!
@sashikantapandey1790
3 жыл бұрын
It is very difficult to understand whether ULIP or Mutual fund is better. I saw a video on U - Tube where a Labour law Adviser was totally against ULIPS and said that the ULIPS are the worst investment option available in the market. He suggested that no way it would be considered as an alternative /an equivalent investment option like Mutual fund. I have ULIP but don't have Mutual fund. What should I do? Please advise.
@vamsikrishna1934
2 жыл бұрын
Whenever you took the policy it comes with broucher or something! . You can study ur charges in it . I do agree most of the youtubers are opposing ulips .one should be taken note that , if anyone want high returns that they should invest directly on shares rather than these mf or ulip . Ofcourse risky !
@FJ26622
Жыл бұрын
So which 1 do you recommend? Ulip or mutual for long term
@drsamrajput795
Жыл бұрын
Sir i watched the whole video for exact answer to last question because i have been thinking about that only. Do mutual funds outperform ulip tax rebate after 15 years?
@waseemfarooq7675
3 жыл бұрын
Good evening, how to exit from ULIP Plans before lock in period.
@gnanasekaran1318
3 жыл бұрын
@Etmoney team, I wish to get a clarification reg NAV allocation, for first transaction to the fund why is it taking five working days to allocate fund, as well as why SIP through smartpay is invested on next day from amount debited?
@gnanasekaran1318
3 жыл бұрын
I wish to get a reply, it is not a criticism, just need to understand the reality
@mainakmallick1143
8 ай бұрын
Sir did you get your answer ? If not I can help
@kinglykiran
2 ай бұрын
@@mainakmallick1143Help him
@saloniagarwal6452
2 жыл бұрын
Dear Shankar, I am 65 years old and willing to invest 15L. I have long term goal of 5-6 years with good return expectation. Will you suggest MF or ULIP in this case? Also, please give some examples of top performers in these fields?
@ETMONEY
2 жыл бұрын
Hi. Kindly avoid a ULIP for wealth creation as the mortality expenses will be quite high at this age. Mutual funds can do a better job.
@jayeshjoshi9189
3 жыл бұрын
For retirement, in addition to nps , what more options should be considered?
@noamcohen7632
3 жыл бұрын
VPF and PPF
@kaushiksoni2775
3 жыл бұрын
Experts says don't mix investment & insurance.
@alpeshmore
3 жыл бұрын
Keep it separate.For insurance buy a simple term plan and for investment buy mutual fund schemes
@venkatachinnababuelluri2817
2 жыл бұрын
Why can't you start equity trading classes. Like your teaching
@MeenakshiSundaram-up2zq
3 жыл бұрын
Hi Sir, I want to invest 80k for tax exemption this this financial year. I am hesitant to invest in ELSs since market value high now. Can you suggest which one is best to invest for tax saving with current high sensex ? PPF is good alternative or ULIP ?
@MeenakshiSundaram-up2zq
3 жыл бұрын
@@ETMONEY Thanks much on your valuable guidance. I will do elss and PPF for this year and will do sip for elss from next year onwards.
@RahulKumar-wn4mg
3 жыл бұрын
I was in the similar spot last yr (FY- 19-20).. I didn't have much idea at that time about investments.. I also split it into ELSS and PPF , just before the lockdown.. It was negative return for almost 6 months.. but now the return is more than what I could have asked for.. In short the key is stay for the long term.. ❤️🔥
@anandiyer1000
3 жыл бұрын
Dear Shankar, I enjoy watching your videos. Good quality content with simple presentation. Can you please recommend some good child investment plans? Thanks
@ETMONEY
2 жыл бұрын
Thank you
@sahilpahwa5706
3 жыл бұрын
Nicely explained
@suryanarayanpradhan3993
Жыл бұрын
Hello Sir, the ulip premium paid with riders n taxes, is it directly considered as it is, or only the amount for which you get deduction for 80c is the premium amount, suppose I pay 10100 as total premium, I get only 9000 rupees as 80c eligible, in that case for 10d long term capital gain, what will be my premium considered as? Thank you
@Islamickidszone777
Жыл бұрын
Hi Shankar, I have invested in ULIP for tax savings with Tata AIA fortune pro. Should I continue? Or surrender due to internal charges. Please advise. I also only prefer Shariah funds.
@joshua_v_thomas
2 ай бұрын
What did you do? Did you surrender?
@reuben11235
3 жыл бұрын
Superb
@ETMONEY
3 жыл бұрын
Thanks 🤗
@maratkar.tanmay
3 жыл бұрын
Sir incase of ULIP policy taxable as per income tax. If policy surrender after lock in period or at maturity. Entire fund value taxable ? Or Net gain Taxable Fund value minus premium paid ULIP Policy Year 2017 Premium 2 lakhs Sum assured 14 lakhs
@SagarJadhav-mt7ls
3 жыл бұрын
No tax on fund value after lockin period or at maturity.
@karanveersingh1738
3 жыл бұрын
I’ve completed 5 year lock-in in ULIP. But fund has not performed well, Should I continue with ULIP for 1-2 years more to check the performance of fund after lock in period, Or should I surrendered the policy ?
@onlinechesslecture9003
2 жыл бұрын
I'm SBI insurance agent. You should wait more to get good return. In mutual fund you cannot switch funds. While in ulip you can switch your funds any time. + You will get insurance coverage too
@vamsikrishna1934
2 жыл бұрын
How much returns you got ? Can you tell ?
@rajavelr6972
3 жыл бұрын
Good video
@ETMONEY
3 жыл бұрын
Thanks
@pranavgamingandblogs1758
3 жыл бұрын
Thanks :)
@yam594
3 жыл бұрын
ULIP is the worst plan. My Father had a ULIP policy called Kotak Mahindra Super Advantage 2, started in June 2010, premium was 25000 p.a. upto 2024. In Nov 2020, my father was expired. I recieved only 250000 as a Death claim. No premium amount. No interest.
@deneshram2010
3 жыл бұрын
He is paid ULIP till 2020?? Which ULIP is this?
@thewarrior6303
2 жыл бұрын
In ulip you get insurance coverage of 10 times of your annualised premium. So as per 25000 *10 times =250000. In case of death, nominee will get either death benefit or fund value whichever is higher. it is for every company.
@rajkumarn6107
3 жыл бұрын
Pl make a video about taxes on stocks .
@ETMONEY
3 жыл бұрын
We have a wonderful video on this on the ETMONEY channel. Watch: kzitem.info/news/bejne/qGN6rKl7oml_lnY
@rajkumarn6107
3 жыл бұрын
@@ETMONEY thank you.👍👍
@sovanchakraborti2670
3 жыл бұрын
Sir I have additional 90k rs to invest, plz suggest whether to invest in equity or MF, im investing following funds in sip for two years Axis Large cap- 1k Axis Mid cap- 1k Axis Small cap- 1k Mirae Asset Emerging Blue chip- 1k Parag parik flexi cap- 1k Sbi small cap-1k Nippon Indian small cap-1k I want to invest 8k per month also in sip,plz suggest in which fund and if there is any change needed in my portfolio.🙏🙏🙏🙏🙏🙏🙏
@arunRaj-jl1lv
2 жыл бұрын
Too many funds !
@sovanchakraborti2670
2 жыл бұрын
@@arunRaj-jl1lv reply after 10 months 😂😂😂😂, too many time lapses 😂😂😂
@arunRaj-jl1lv
2 жыл бұрын
@@sovanchakraborti2670 yh yh i just saw this now only ! Bt always do 4-6 funds Diversify Large cap - majority Mid cap Small cap Flexi cap Else funds will overlap
@sovanchakraborti2670
2 жыл бұрын
@@arunRaj-jl1lv yup, thanks 😊😊😊, now im investing in ppfas, sbi small cap, mirae asset large & mid cap, axis small cap 😊😊😊
@arunanand2809
3 жыл бұрын
Good penetrating analysis.
@prashanthav5916
2 жыл бұрын
Iam 48 is ulip better for me
@sharondaniel2858
3 жыл бұрын
Mutual funds are such good investments but I use them for my long term plans , the shortest termed investment with the best ROI is our one and only crypto
@cryptozombie3512
3 жыл бұрын
I support you but I’d go for the most stable of them all , I have a retirement plan and it’s fully mutual funds , when it comes to stability , crypto doesn’t pass that test
@thebitcoinfamily3791
3 жыл бұрын
@@cryptozombie3512 things are always harder when you don’t know what you’re doing , crypto is even more golden than gold itself lolz ...who says it isn’t stable , I make roughly $$$ weekly and a whopping $$$$ in good months no matter the volatility
@sharondaniel2858
3 жыл бұрын
@@thebitcoinfamily3791 totally ... I’m surprised to see someone isn’t doing crypto as their investment
@cryptozombie3512
3 жыл бұрын
@@sharondaniel2858 who says I wasn’t doing crypto ... it’s not stable ... I win and loose with it still trynna get things figured out
@thebitcoinfamily3791
3 жыл бұрын
@@cryptozombie3512 man , there’s lots of investment advisors out there , check out dhrumil parikh
@ghostghost4027
3 жыл бұрын
I don't think comparison was correct, I had IRR of about 5.3% in HDFC standard life taken in 2007. Additionally, the options of large cap , mid small cap is much opaque in ULIP in comparison.
@RAVIPRAKASH-vn5ck
3 жыл бұрын
This is because of so heavy charges in ULIP in that era... Things has improved a lot means really a lot... Now ULIP IRR comes for 4G ULIPs means very low cost ULIP approx 1-1.3% annually... So as per IRDA norms 8% gross yield growth rate, net yield is 7%-6.7% approx.
@mainakmallick1143
8 ай бұрын
@@RAVIPRAKASH-vn5cksir I have invested in few latest age ULIPS, yes the charges have been reduced a lot, but now also charges ranges from 1.18 percent to 1.59 percent. This is including 18 prcnt GST on FMC Means IRR wil be 6.88 percent to 6.2 percent
@pratikjoshi7653
3 жыл бұрын
Pls tell best child plan 🙏
@futureinlife
3 жыл бұрын
Tata AIA diamond savings plan
@jackdesouza3130
3 жыл бұрын
do monthly sip in nifty index fund or Index Etf for 10-12 years CAGR will be 12-15% with 0.1% Expense ratio never get traped in private compny policy their presenntation look tempting only in Ppt.
@sanjibrawat
3 жыл бұрын
2 child plan.
@ankurrathi1445
3 жыл бұрын
@@jackdesouza3130 correct Bro otherwise you 😩😩
@hetshah8605
3 жыл бұрын
Bajaj pure stock fund is good or not?
@RAVIPRAKASH-vn5ck
3 жыл бұрын
One of the Best in class fund performance in multi cap Ulip fund category...
@hetshah8605
3 жыл бұрын
@@RAVIPRAKASH-vn5ck ok thanks for reply
@shivamchakravarty6085
2 жыл бұрын
Sir it's a Great Explanation but why you are not talking about 4G Ulip. Which has no charges plus returns are more than MF
@ETMONEY
2 жыл бұрын
Thank you
@dr.p.malathyponnusamy7917
2 жыл бұрын
Sir I have invested in SBI smart privelege 6 lakhs per year, 2021,will maturity amount be taxed.
@FJ26622
Жыл бұрын
Anyone has invested through policy bazar??
@kinglykiran
2 ай бұрын
I invested
@vallavanbsc
11 күн бұрын
Me too invested through policy bazaar
@stokefortoday
2 жыл бұрын
Hindi me video dalo
@ETMONEY
2 жыл бұрын
ETMONEY Hindi Channel ko subscribe karo kzitem.info/rock/zWtyDo9KmEC1JoAqa1LIEwvideos
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