Beware of ULIPs - ULIP vs Mutual Funds in 2024 | AssetYogi Show #9
ULIP or Mutual Funds, which is better? ULIPs or Unit Linked Insurance Plans offer both investment and insurance in one product, but are they truly a better investment option?
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In this video, we compare ULIPs with Mutual Funds based on parameters like returns, tax benefits, costs, etc. to give you a true picture of how ULIPs actually work. We will also use a real example to compare the overall returns and life cover provided in ULIPs alone vs Mutual Funds combined with Term Insurance. ULIPs Vs Mutual Funds explained in hindi.
0:00 Intro
0:51 ULIP Vs Mutual Funds
02:08 Liquidity
02:47 Compulsory Premium
03:00 Tax Benefits
04:00 Charges
04:49 Returns & Exit Load
06:12 Is ULIP better or Mutual Fund?
06:23 ULIP Vs Mutual Funds (Excel)
12:00 Conclusion
About the Video
Many agents promote plans like ULIP that bundles investment with insurance. However, many finance experts argue that ULIPs are not a favorable choice of investment if we look at the costs involved and returns offered. In this video, we delve into the comparison between Unit Linked Insurance Plans (ULIPs) and Mutual Funds, offering a detailed analysis to aid in making informed investment decisions. We outline the fundamental disparities between ULIPs and Mutual Funds, covering aspects such as structure, costs, flexibility, tax benefits, transparency, and regulation. Through a real example and calculations, we illustrate how these investment options perform under various market conditions and investor scenarios. Additionally, we provide expert insights and recommendations to assist viewers in aligning their investment choices with their financial goals and risk tolerance.
In this video, we’ll cover the following topics:
What is ULIP?
Should we invest in ULIPs?
ULIPs Vs Mutual Funds
ULIP Vs Term Insurance
Tax benefits in ULIP
Tax benefits in Mutual Funds
Why are ULIPs so popular?
Can you discontinue ULIP plan before maturity?
ULIP policy surrender rules
Does ULIP offer better returns than Mutual Funds
ULIP vs Mutual Funds which is better?
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