{"id":504,"date":"2020-10-01T11:19:22","date_gmt":"2020-10-01T11:19:22","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=504"},"modified":"2020-10-01T11:19:22","modified_gmt":"2020-10-01T11:19:22","slug":"mutual-funds-vs-ulips-which-is-best","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/mutual-funds-vs-ulips-which-is-best\/","title":{"rendered":"Mutual Funds vs. ULIPs? Which is Best?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mutual-funds-vs-ulips-which-is-best\/#Mutual_funds_vs_Unit-linked_Plans\" >Mutual funds vs Unit-linked Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mutual-funds-vs-ulips-which-is-best\/#Expenses_of_ULIP\" >Expenses of ULIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mutual-funds-vs-ulips-which-is-best\/#Benefits_of_ULIP_Tax\" >Benefits of ULIP Tax<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong>Every Insurance Policy is of two types &#8211;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Traditional Participatory plans<\/li><\/ol>\n\n\n\n<p>With the guidelines of the IRDA, the money is invested and managed by the insurance provider. This allows your insurer to inform you about the amount and bonuses that you will receive on maturity.<\/p>\n\n\n\n<p>In participating plans, the sum assured is guaranteed on death and survival during maturity.<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n<p>For the money invested, you will receive bonuses that will increase with the payment of your premiums. &nbsp;<\/p>\n\n\n\n<p>For instance, you purchase a 10 lakh policy for 20 yrs. Hence in 20 years, you will get a sum assured + bonus<\/p>\n\n\n\n<p>10 + !0 = Rs 20 lakhs on maturity or death<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Non-participatory traditional plans<\/li><\/ol>\n\n\n\n<p>Non-participating traditional products imply that all the investments with your money will be at your own risk. Although, insurers would provide professional advice and fund management, which would be according to your risk profile\/appetite (More risk gives more return)<\/p>\n\n\n\n<p>The Sum assured is guaranteed at death but the investment will be put into different markets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mutual_funds_vs_Unit-linked_Plans\"><\/span>Mutual funds vs Unit-linked Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mutual funds give good returns if you think long term basis whereas&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/types-of-bonus-in-your-life-insurance-policy\/\">insurance&nbsp;<\/a>by nature is also a long term contract, although ULIPs are more economical.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expenses_of_ULIP\"><\/span>Expenses of ULIP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li>Fund management charge<\/li><\/ol>\n\n\n\n<p>The Fund Management Charge is for managing your investment to offer you potentially higher returns.<\/p>\n\n\n\n<p><strong>Approximate charges &#8211;<\/strong><\/p>\n\n\n\n<p>MF &#8211; 2.5% expense<\/p>\n\n\n\n<p>ULIP &#8211; 1.35% expenses<\/p>\n\n\n\n<p>Other service charges like &#8211;<\/p>\n\n\n\n<p>Switching from one fund to another<\/p>\n\n\n\n<p>(Sometimes the 3 to 4 switches are free in a year)<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Premium Allocation charge<\/li><\/ol>\n\n\n\n<p>For ULIPs, when you pay a premium, you pay a premium allocation charge of 3 or 4%, (this is not a fund allocation money)<\/p>\n\n\n\n<p><strong>Example &#8211;<\/strong>&nbsp;Premium Rs 1 lakh, premium allocation charge &#8211; Rs 3000.<\/p>\n\n\n\n<p>Although, IRDA is trying its best to decrease the allocation rate, in today\u2019s time some companies have 0 to 3% premium charges.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Policy &nbsp;administration charge<\/li><\/ol>\n\n\n\n<p>These charges are for the administration of policies. They are deducted every month, Approximately 50 Rs per month, 600 pa.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Mortality charge<\/li><\/ol>\n\n\n\n<p>Mortality expenses are charged towards providing you a Life Cover. These expenses increase with age and are deducted monthly.<\/p>\n\n\n\n<p><strong>Can you pay these expenses upfront or insurers charge it from the investments?<\/strong><\/p>\n\n\n\n<p>The biggest drawback is that you cannot pay these charges upfront.<\/p>\n\n\n\n<p>And why is that a drawback?<\/p>\n\n\n\n<p>For instance, you have a 1000 mortality rate and the NAV of 20<\/p>\n\n\n\n<p>Now, 1000\/20 = 50 units<\/p>\n\n\n\n<p>These 50 units will be deducted from your total units.<\/p>\n\n\n\n<p>In times of corona when the market is at its low, the NAV is somewhere around 16, and because of that15 units, extra will be deducted.<\/p>\n\n\n\n<p>So if the market comes down, more units will be deducted<\/p>\n\n\n\n<p><strong>Pro Tip-&nbsp;<\/strong>Since ULIPs are less expensive, they are a good option to invest in<\/p>\n\n\n\n<p>Insurance by nature is a long term contract so if you are prepared to not receive your money and consider it as an investment, it gives a good return.<\/p>\n\n\n\n<p>In times of&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/coronavirus-impact-on-cyber-insurance\/\">COVID19<\/a>, people will get scared to settle their claims\/money, but insurance companies offer a settlement option to postpone the settlement where they keep the mortality 0 although the fund will still be managed by them. So even at crisis times like this pandemic, ULIPs are quite flexible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_ULIP_Tax\"><\/span>Benefits of ULIP Tax<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Compared to other instruments, ULIP is a superior tax saving instrument.<\/p>\n\n\n\n<p>There is an Exemption under 80C (only if your SA is 10 times your premium)<\/p>\n\n\n\n<p>And at death or maturity, the claim is tax-free.<\/p>\n\n\n\n<p><strong>FYI &#8211;&nbsp;<\/strong>In MF, around 10% tax is deducted<\/p>\n\n\n\n<p><strong>Liquidity<\/strong><\/p>\n\n\n\n<p>Liquidity of ULIP is possible after 5 years where the Surrender cost is 0 and the Risk cover is 7 to 10 times<\/p>\n\n\n\n<p><center><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&#038;utm_medium=organic&#038;utm_campaign=blog_banner&#038;utm_content=http%3A%2F%2Fbit.ly%2F2kuc159\"\/><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\"\/><\/a><\/center><\/p>\n\n\n\n<p>Are you trying to revive a lapsed policy? Or struggling with a missold policy? Leave all your insurance-related issues to Insurance Samadhan. Our experts are here to help you through it all! Register here and we will be right there with you!<\/p>\n\n\n\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\n\n\n\n<p>Call us at \u2013 844 844 0626<\/p>\n\n\n\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n\n\n<p>Register your insurance complaint&nbsp;<a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=blog\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every Insurance Policy is of two types &#8211; Traditional Participatory plans With the guidelines of the IRDA, the money is invested and managed by the insurance provider. This allows your insurer to inform you about the amount and bonuses that&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/mutual-funds-vs-ulips-which-is-best\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mutual Funds or ULIPs: Where to Invest and which give higher returns?<\/title>\n<meta name=\"description\" content=\"ULIPs or Mutual Funds which is better: In the Mutual funds they do not offer live cover but ULIPs do. 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