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ULIPs can Help Generate Market Linked Returns – Here’s How

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Did you know ULIPs can Help Generate Market Linked Returns? Here’s How!


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Sep 13, 2021

By : Bajaj Allianz Life

When you invest in the markets, what is your primary goal? To obtain good returns, isn’t it? But going hand-in-hand with that goal is another important objective - to obtain safe returns too. And a Unit Linked Insurance Plan (ULIP) can help you do both. A ULIP is a kind of life insurance plan that gives you the advantage of both life insurance and investment.

To understand how a ULIP policy can help you obtain market linked returns, let’s first take a look at how ULIPs work.

 

How do ULIPs work?

 

The way ULIPs work may seem a bit complex at first, but if you look closer, it’s really very simple. ULIPs offer the double advantage of both life insurance and investment. The life insurance component works just like a regular life insurance plan. The policyholder gets a life cover that is valid through the tenure of the ULIP policy. In case of their demise during the policy term, the death benefits assured under the plan are paid out to the nominee. In case they survive the policy term, they will receive the appropriate maturity benefits specified under the plan.

As for the investment component, ULIPs essentially allow policyholders to invest in various kinds of funds such as equity funds, debt funds, or both. So, ULIP returns are market-linked. Over the course of the investment period, the ULIP NAV - or the net asset value - will fluctuate based on the market movement. And if the policyholder remains invested for the entire period, the returns at the end of the policy term are paid out to them when the policy matures.

Now, how do you make sure that you maximise the market linked returns from your ULIPs? You can simply make use of the many different ULIP features that are in place to help you get returns based on your risk profile. Check them out below.

 

ULIP features that help you generate returns according to your risk appetite

 

The following features in ULIP can be highly beneficial to you if you want to generate market linked returns that are aligned to your risk profile.

 

• Choice of funds

 

ULIPs give you a choice of funds to select from. So, you can choose the kind of funds and the mix of investments that are suitable for your risk appetite. For instance, if you are a more conservative investor, your portfolio may require more debt funds. On the other hand, a more risk-friendly investor may prefer to invest in equity funds. This way, ULIPs help you choose investments that generate market linked returns basis your risk appetite.

 

• Fund switching

 

Your risk-taking potential will vary over the course of your life. As you age, you may want to invest in less risky investments. With the fund switching feature in ULIPs, you can do this and align your investments with your changing risk profile. You can move your money from equity funds to debt funds, or vice versa, if that’s what you need.

 

• Lock-in period

 

The ULIP lock-in period of 5 years. This feature helps ensure that your funds are invested for a decent period of time. That makes it possible for the market linked return generation process to happen for a considerable period, because you remain invested for a few market cycles, at least. Long-term investments are generally considered to be more stable and beneficial depending upon your market risk tolerance.

 

Conclusion

 

By taking advantage of these ULIP features, you can generate market linked returns that are in line with your risk appetite to achieve your Life Goals provided you have planned well.

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