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ULIP as a Long Term Investment Plan

The income tax for sure reduces the amount of take-home salary, but if you are investing your money in a well-thought investment option, then you can definitely boost your income and hence help you to fulfill your investment goals.

The return of a good tax saving scheme depends on a lot of factors such as the lock-in period, maturity period, etc. This is the reason, ULIP returns in 10 years and ELSS return in 10 years are maximum than other investment instruments.

On one hand, where ELSS (Equity Linked Savings Scheme) invests money in mutual funds, the other hand, ULIPs (Unit Linked Insurance Plans) invest in the stock market in a mixed bag of growth, equity, and balanced schemes.
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Why Should You Invest in ULIP?

Regular investment for a longer period of time enables you to accumulate savings and help you to fulfill your big dreams like buying your own house, sending your children for good higher education, etc. However, if this is sounding difficult to you, then opting for the simplest investment solution like Unit Linked Insurance Plan (ULIP) is recommended.

ULIP is a product that is offered by insurance companies but is not purely an insurance policy. However, it gives you the option of both investment and insurance under one integrated plan. In this way, a goal based ULIP not only offers life cover to your family and you, but also helps you to build a substantial corpus for fulfilling your life goals. So, the ULIP plan taken by you invests your money in the stock market via a mix of balanced, equity, and growth schemes.
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5 Best ULIP Plans in India for Investment in 2018

If you’re serious about investing your hard earned money to build a huge corpus, without having to worry about income tax, you NEED to start investing in the best ULIP plans.

We’re sure you wondering why not mutual fund schemes? After all, mutual fund schemes have long been the best way to turn savings into effective investment vehicles.

Here’s why: LTCG (Long-Term Capital Gains) tax was reintroduced in the Union Budget 2018. Therefore, any long-term capital gains on equities and equity mutual fund schemes, over Rs.1 lakh for a particular financial year, will be taxed at 10% flat, without any indexation benefit, effective April 1, 2018.
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Top 5 ULIP Investment Plans that Guarantee High Returns in FY 2018-19

The thumb rule for investment is-INVEST RIGHT. However, investment comes with a share of risk as well. We always prefer putting our money where we find ourselves at a minimal risk. To ensure that your financial portfolio is well-balanced with the right type of investment tools, you should consider the products that offer lucrative returns. Given that, among the plethora of investment options in the market, selecting the right option can be a herculean task. However, among the various investment options, ULIP is still considered as one of the worthwhile options.
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ULIP vs Term Insurance

If you are planning to build a financial corpus for your family, it is imperative that you don’t put all your eggs in one basket. Make sure that you mix insurance and investments in your financial portfolio to get much better returns.

There are a number of investment products offered by the top insurance companies in India. But it can be confusing to decide the one, especially when there are so many investment options. However, you can plan to put your money in Term insurance plans and ULIPS.
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