what is a ulip - Unit Linked Insurance Policies or ULIPs are insurance policies which offer you the potential of wealth creation while providing the security of a Life Cover. In ULIPs, a part of your premium is dedicated towards your Life Cover and the rest is assigned to a common pool of money, called fund, which invests in equity, debt, or a combination of both.
With Wealth E-office , an advisor and his team will continue to regularly understand their investor’s need and thereafter can provide exclusive investment opportunities in various assets like mutual fund, FD/Bond, Life insurance, Equity, Commodity etc.This mutual fund software for IFA will help an advisor to check out the risk profile and deliver right advise.
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It can be evidently observed that MF has clearly outperformed ULIP returns in most of the categories.
For 5 year period, Mutual Funds have provided better returns in every category as compared to ULIPs.
There is a marginal difference in returns in the large cap category in both the durations with ULIPs trailing MFs but providing better returns for 10-year period.
Investing for a longer duration such as 10 years, the returns earned in a ULIP scheme is very close to those earned by investing in mutual fund scheme.
Also we should never forget the basic rule which says never mix insurance with investment as both these serves different purposes.
Mutual Funds are subject to market risks please read the offer document carefully before investing.