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Is ULIP a Best Investment Plan?
Most traditional plans comply with debt investment standards and do not offer any equity-based options. This makes them better suited for low-risk appetite investors. However, ULIPs offer debt and equity investment options, thereby serving your risk appetite as well as giving you the option to "play it safe". In fact, ULIPs come with a range of debt, equity and balanced option - plans and you can switch as per the current ongoing trend in the market. This not only secures your investments but also allows you to freely switch your monetary investment channels between various funds so that there can be an assurance of higher returns.
Moreover, the option of changing your life cover is an added benefit of investing in ULIPs. A ULIP allows you to choose the sum assured at the time of policy purchase and follows it up with giving you the option of changing the sum assured as per your financial goals or as per your specific requirements. Besides, investing in ULIPs means a disciplined and regular saving habit and this is a must for planning things well in advance and for meeting required financial goals. With a lock-in period of 5 years, ULIPs come with the factor of goal-based savings. Also, ULIPs allow the partial withdrawal from the invested corpus by giving you the option of withdrawing a portion of your investments in case of emergency situations. But unlike many other investment options, ULIPs allow you to withdraw a portion of the investment after a specified lock-in period. Make sure you find out how much you are allowed to withdraw because the exact amount you can withdraw varies between different companies. The best part is these withdrawals are completely tax-free.
As per the latest government guidelines, LTCG (Long Term Capital Gains) taxation is not applicable on returns from a ULIP. This adds to the existing guidelines wherein you can avail tax deductions up to Rs 1.5 Lakh on premiums paid towards investments in ULIP. Moreover, all the returns on your ULIP investments are completely tax - free.
HDFC Life presents HDFC Life Click 2 Invest ULIP- an online, unit linked plan that offers market-linked returns, covering your investment needs and proving the requisite financial protection at the same time. For details, click on the mentioned link: https://www.hdfclife.com/savings-plans/sanchay-plus
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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