Sentences with phrase «ulips over»

Chinmay Thakur: What are the benefits of buying ULIPs over other traditional insuance policies?

The very next day, the insurance companies were out with advertising campaigns highlighting the tax advantage of ULIPs over mutual funds.

Data has proven that the fund performance of ULIPs over 5 - 10 year horizons has been consistent and strong.

After the new long term capital gains tax comes into effect from April 1, 2018, the tax advantage held by ULIPs over stock / MF investments will become even bigger.

Not exact matches

But if the whole money is invested in market (in ULIP's) and in addition you are getting some risk cover (insurance), why ULIP's are not preferred over Mutual funds for investments.

Regarding ULIPS, since they have done with 8 years by now, most of the mortality charges have come down & presently they have given the 8 % of returns & expecting them to be at least at 9 % over long term,

Over the last one year, the growth in average ULIP large cap fund was 15.51 percent while it was 18.83 percent in case of average mutual large cap funds.

Can you give me some views over HDFC ULIP?

However, cost-wise, transparency, liquidity, choice wise etc MFs can outscore ULIPs or insurance based products (if your objective is to accumulate wealth over longer period).

Post regulatory changes over the last few years, a new generation of ULIPs have emerged.

But do an «opportunity cost» analysis, means if you surrender the units of both policies and invest in Equity oriented mutual funds for long term (depends on your financial goals), analyze if you can get decent returns over & above the expected returns from ULIP funds.

Despite the criticism of being front - loaded, ulips through systematic investments have the potential to generate good returns over a long period of time.

Insurance regulator IRDA, which has won its turf war with market watchdog SEBI over regulation of ULIPs, is expected to tighten norms for these schemes, including commission charges, to make them attractive for investors.

Such rationalisation of ULIPs commissions could also help narrow the gap between it and mutual funds, he said responding to queries over how a compromise could be reached between insurance regulator IRDA and capital market watchdog SEBI on the ULIPs issue.

You can choose a policy depending upon the risk profile and how much time you have to attain the financial goal you are planning for — If you have a mammoth capacity for taking investment risks and your financial horizon is over 10 years, you may choose ULIPs with an equity bias.

Ulip investors have a tendency to withdraw once their lock - in period is over, especially if the market is at high, according to experts.

The two regulators have been engaged in a public spat over who controls ULIPs, which invest heavily in stocks and bonds and get promoted much more by intermediaries as against mutual funds because of higher commission payouts.

Since ULIPs are NAV based, therefore, it is feasible to withdraw some portion of investment before the maturity, provided lock - in period is over.

They even score over the favored pension plans because ULIP returns are tax free while those from pension plans aren't.

ULIP's are recommended over Mutual Funds as well.

November 26, 2015: Mr. Sandeep Ghosh MD & CEO of Bharti AXA life insurance feels very confident about the growth in selling of traditional plans over the most happening ULIP plans in the market.

Also, corporate agents will not be allowed to solicit unit - linked insurance plans (ULIPs) of non-single premium type for annualised premiums exceeding Rs 50,000 over telephonic mode (voice as well as SMS).

ULIPs invest premiums in capital markets (debt and equities) which over the long - term can accumulate significant wealth for policyholders.

For goals that will arise in the distant future (beyond 7 years), equity - oriented ULIPs would be more suitable since these ULIPs have the potential to provide you higher returns over a longer period of time.

Additionally some ULIPs will allow you to increase the sum assured over the term of the plan.

RBI and Sebi fear last month's Ordinance to resolve the dispute over regulating ULIPs could infringe upon their autonomy.

Stock Market and Insurance regulators SEBI and IRDA were at loggerheads over the jurisdiction of hybrid insurance products like ULIPs with both claiming their authority over these popular schemes.

After a barrage of bad news over the last few years, investors in Unit - Linked Insurance Plans (ULIPs) finally have good reason to cheer.

Private insurance player Aegon Religare Life Insurance today said if the turf war between the capital markets regulator Sebi and insurance watchdog Irda over Ulips is not resolved at the earliest it will impact the industry.

To end the acrimony between the two regulators, the government issued an ULIP Ordinance on June 18 as capital markets regulator SEBI and insurance watchdog IRDA could not resolve their dispute over which of them was empowered to regulate such products.

World over Traditional Par Insurance is much more popular than ULIPs and its variants.

The decision to disclose commission comes at a time when market regulator SEBI and IRDA are locked in a battle for control over ULIPs — or equity linked insurance plans.

Finance Minister Pranab Mukherjee said his ministry will not intervene in the autonomy of regulators, amid reservations expressed by the Reserve Bank over the recent Ordinance on Unit - Linked Insurance Ulip products.

ULIPs — a common insurance plan sold by life insurers, where the money collected from consumers is invested into equity and debt markets — have become a bone of contention between the two financial regulators, with both claiming regulatory authority over the scheme.

Since ULIPs comprise insurance policy as also the mutual fund, SEBI had issued an order in April this year asserting its authority over the scheme.

VIPs, earlier known as Universal Life Products (ULPs), have greater flexibility over traditional plans and as such companies used to mix even the traits of ULIPs, which invest major portion of money in capital markets.

Slowdown, inflation, weak investment sentiment and changed regulations for unit - linked insurance plans (ULIPs) since September 2010 have led to the first contraction in over 10 years in the premium collected by the life insurance industry.

Unit - linked insurance products, or Ulips, account for over 50 per cent of the life insurance business and the money collected is invested in equities.

With lower charges (and that too not front loaded), the new ULIPs (to be issued under modified guidelines) were a vast improvement over the older counterparts and were a far better protection and savings tool.

By investing in ULIP, you can build a corpus fund over a period to meet your financial goals like child's education, retirement planning, home loan, etc..

ULIPs as an investment category has a lot of inherent benefits, especially when you remain invested over a longer period.

But do an «opportunity cost» analysis, means if you surrender the units of both policies and invest in Equity oriented mutual funds for long term (depends on your financial goals), analyze if you can get decent returns over & above the expected returns from ULIP funds.

Hence, for their inherent simplicity and flexibility, we would recommend a combination of term plan and mutual funds over ULIPs.

As over the longer term, equities tend to outperform other asset classes, Pension ULIPs provide a better chance of accumulating a larger retirement corpus.

In the long term, ULIPs take over Mutual funds in terms of return.

Also, corporate agents can't solicit non-single unit - linked insurance products (ULIPs) over telephonic mode if the annualized premium exceeds Rs 50,000.

The ULIPs are very good as they help build up a significant corpus over the life of the policy.

Post 2010, ULIPs got improved over the years.

Yateesh Shrivastava, the chief operating officer at Aegon Religare life Insurance, said, «Ulip was launched to cash in on investor interests in the equity markets, which had performed well over the past six months.

This underrated but important provision that gives a woman inalienable rights over the benefits of a life insurance policy, wherein her husband has named her a beneficiary, only applies to ULIPs.