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Your Wealth Can Set You Free

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Your Wealth Can Set You Free
March 27, 2025
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The investment risk of ULIP is borne by the policyholder.

Getting a pay hike or a better job is often seen as a sign of professional success. It is what many strive for. And why shouldn’t they? However, the question you need to ask here, is it enough?

There is no denying that your income keeps the lights on, pays the bills, and fuels daily comforts. Yet, what happens when life throws a curveball? A medical emergency, job loss, or an unexpected early retirement?

That’s when wealth becomes your cushion, your shield. Wealth isn’t about the next salary hike. It’s about building something solid that lasts beyond the next month or even the next few years.

A tale of two halves

Picture this. Two individuals, both aged 35, earning ₹15 lakh a year. One focusses entirely on income, spending most of it and saving a small portion in a bank account. The other decides to build wealth, investing ₹2 lakh annually in a ULIP that earns, say, an average return of 8% per year. Do note that a ULIP helps you grow long-term wealth through market-linked investments while providing life cover to protect your loved ones.

Fast forward 25 years. The first has modest savings, maybe ₹20-25 lakh, eaten away by inflation and scattered expenses. The second? Their ULIP investment has quietly grown to over ₹1.5 crore*. That’s wealth at work. It didn’t just sit there, it grew, protected, and compounded quietly in the background.

Now, which of the two would be able to walks into retirement with confidence and has the financial freedom to handle emergencies, enjoy life, and pass on something meaningful? The answer’s obvious. This isn’t just about saving, it’s about creating lasting wealth that supports you when the pay cheques stop.

Salary: Instant gratification

Many people grow up believing that a bigger salary is the ultimate goal. Society rewards income. Promotions get applause, big pay cheques get noticed. Basically, they have a notion that success feels tied to how much you earn. It’s everywhere you can think of, family expectations, peer pressure, even social media feeds.

It does make sense partially. Income gives instant rewards. It’s easier to celebrate a pay hike today than to patiently build wealth over decades. Spending feels good now, while wealth building feels distant. That’s why people often get caught in a cycle of working harder, chasing higher salaries, spending more. But, rarely do they stop to ask, "What happens when the income stops?"

This obsession comes from comfort and habit. We like feeling secure today, so we forget about tomorrow. But the truth is, income fades. It has a limit. Wealth doesn’t. Wealth keeps working, long after you’ve stopped working.

Breaking free from the loop

The idea here is to break from the loop of thinking the income you earn today is enough for today and tomorrow. The goal is to think of long-term options that can help build a financially stable tomorrow. This loop can only be broken when you start thinking that you need more than your income.

Breaking the loop starts when you start thinking of your goals and aspirations. Think of what you want to achieve and when. This would be the first step. Based on this you can start working on how to achieve it. You will need to create a bridge between your present and your future while protecting yourself and your family.

Wealth creation toolslike ULIP can help build that bridge. They provide the safety of a life insurance while protecting and growing your wealth by investing in market-linked products. The return on investment an be used as second income during your working years and also create a corpus for your retirement years that can help you live the comfortable life you are accustomed to.

Begin today, create wealth

The real challenge isn’t just earning, it’s rethinking what success looks like. True financial freedom comes from stepping beyond the noise of promotions and salary hikes, and from building assets that outlast your working years. The wealthy know this well. They don’t chase the next shiny thing; they focus on what compounds quietly, often unseen. Wealth isn’t flashy. It’s the quiet confidence of knowing you can walk away from a job, take time off, or retire early, without fear.

The world will always celebrate short-term wins like bonuses and raises. But, wealth is your long-term win. It’s what protects, empowers, and provides choice. For those willing to break free from the monthly income ‘rush,’ wealth is the true prize waiting at the finish line.

Because when the dust settles, it’s the wealth you’ve built along the way that will give you financial freedom.

Calculation Source:

*ULIP calculation source - https://www.starsip.in/tools-and-calculators/annual-systematic-investment-plan-calculator

Bank account wealth calculation: We have assumed less annual investment as stated in the text  as small portion

Source - https://www.starsip.in/tools-and-calculators/annual-systematic-investment-plan-calculator

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ULIP or SIP

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ULIP Charges

ARN: ED/03/25/22491

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Francis Rodrigues 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.

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Vishal Subharwal 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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Disclaimer

Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. 

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