What must you know about non-linked plans

However, if you are among those investors who prefer assured returns with little or no risk involved, then you must consider investing in non-linked plans as these plans offer complete insulation from any kind of market-risks that may be involved. Non-linked plans cushion your funds and your complete investment from the market fluctuations, meaning essentially that your invested funds stay secure and uninvolved from the market-performance of any fund option. Thus, if a particular fund option is not performing well at the market, you need not worry as the returns on investment that you will get will be assured and will get accrued in any case.

Non-linked plans may be fixed interest plans like bank FDs or even debt-related instruments like government or corporate bonds that offer stable returns. The returns that thus accrue may not be much in volume when compared to what the market-linked plans have to offer, but being low-risk, they constitute an important category of investments which must form an integral part of any kind of a successful financial portfolio. This is because, ultimately your financial or investment portfolio depends on your specific needs and your appetite for any kind of risk involved. Therefore, if you are interested more in assured and stable returns over a period of time and if you are looking forward to a low-risk investment option that can offer guaranteed and regular benefits over the plan-term, then non-linked and traditional plans offer a credible solution. By the time you require the funds, your corpus would have grown to a sufficient extent. Moreover, non-linked plans are beneficial when viewed in the context of having a long-term and optimum goal-based approach to financial goals.  

HDFC Life offers HDFC Life Sanchay Plus- a non-linked and non-participatingsaving insurance plan that enables you to retain your savings corpus, while ensuring that there is sufficient growth in your available funds in order to ensure that you can take care of your financial responsibilities and meet the requirements of your loved ones.