Skip to main content

ULIP Performance 2016 Part 2

Invest ULIP Online
 
 
 
Life Insurance article in Advisorkhoj - How have top Unit Linked Insurance Plans performed in the last 5 years: Part 2

In our previous article, How have top Unit Linked Insurance Plan (ULIP) funds performed in the last 5 years: Part 1, we have seen how the top equity oriented ULIP funds have performed in the last 5 years. We had seen the performance of the ULIP funds over the last 5 years has almost been at par with mutual funds performance, for some categories of ULIP equity funds. However, the actual returns to the investors will be lower than the gross returns from the ULIP funds, due to various ULIP charges like Premium allocation charge, Policy administration charge and Mortality charge. To understand how these charges affect ULIP returns, please refer to our article, Demystifying Unit Linked Insurance Plan (ULIP) Charges and Returns. A big portion of these charges are front loaded, so returns improve in the middle and later part of the policy term. In this article, we will see how top balanced and debt oriented ULIP funds have performed in the last 5 years.

Balanced ULIP fund – High Equity allocation

ULIP funds belonging to the balanced fund category with high equity allocation have given 5 years annualized returns of 10.2% at the category level. Compared to top performing balanced mutual funds, the returns are much lower. The top 5 ULIP funds in this category have given annualized returns of 12 – 13% over the last 5 years. The table below lists the top 10 Balanced ULIP funds with high equity allocation (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

We can see that the top 10 balanced ULIP funds with high equity allocation have given 11 – 13% returns in the last five years. The top 10 list is dominated by ULIPs from LIC. The last one year returns of some of the LIC balanced ULIP funds have been quite good. However, investors need to see, if this performance can be sustained in the future.

Balanced ULIP fund – Moderate Equity allocation

ULIP funds belonging to the balanced fund category with moderate equity allocation have given 5 years annualized returns of 9.3% at the category level. The top 5 ULIP funds in this category have given annualized returns of 11 – 13% over the last 5 years. The table below lists the top 10 Balanced ULIP funds with moderate equity allocation (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

We can see that the top 10 balanced ULIP funds with moderate equity allocation have given 9 – 12% returns in the last five years. The top 10 list is dominated by ULIPs from LIC, Bajaj Allianz and HDFC Standard Life. The last one year returns of some of the LIC and Bajaj Allianz balanced ULIP funds with moderate equity allocations have been quite good. However, investors need to see, if their performance can be sustained in the future.

Balanced ULIP fund – High Debt allocation

ULIP funds belonging to the balanced fund category with high debt allocation have given 5 years annualized returns of 8.3% at the category level. Compared to top performing balanced mutual funds with high debt allocation, the returns are almost on par. The top 5 ULIP funds in this category have given annualized returns of 10 – 12% over the last 5 years. The table below lists the top 10 Balanced ULIP funds with high debt allocation (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

We can see that the top 10 balanced ULIP funds with high equity allocation have given 9 – 12% returns in the last five years. The top 10 list is dominated by ULIPs from LIC. The last one year returns of some the LIC balanced ULIP funds with high debt allocations have been quite good. However, we need to see, if this performance can be sustained in the future.

Medium term ULIP Debt Fund

These are ULIP debt funds where the underlying bond portfolio has an effective duration of 3 – 10 years. These funds have given average 5 year annualized return of 7% at the category level. The top 5 funds in this category have given 8 – 9% returns. The table below lists the top 5 medium term ULIP debt fund (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

Short term ULIP Debt Fund

These are ULIP debt funds where the underlying bond portfolio has an effective duration of 1 – 3 years. These funds have given average 5 year annualized return of 7% at the category level. The top 5 funds in this category have given 8 – 9% returns. The table below lists the top 5 short term ULIP debt fund (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

Ultra Short term ULIP Debt Fund

These are ULIP debt funds where the underlying bond portfolio has an effective duration of less than 1 year. These funds have given average 5 year annualized return of 8% at the category level. The top 5 funds in this category have given 8 – 9% returns. The table below lists the top 5 ultra short term ULIP debt fund (individual policies only) based on 5 years annualized returns (3 and 5 year returns are annualized).

Conclusion

In this two part series, we have seen how the top ULIP funds for various categories have performed in the last 5 years. How will you identify a ULIP that will give great returns? It is extremely difficult. The return for every ULIP policy will be different due to the charges. Therefore, if you want to invest in ULIPs, you should consult with Prajna Capital with considerable experience in ULIPs to help you identify the plans that will help you meet your life insurance and investment objectives.

-----------------------------------------------
Invest Rs 1,50,000 and Save Tax under Section 80C. Get Great Returns by Investing in Best Performing ELSS Mutual Funds

Top 10 Tax Saving Mutual Funds to invest in India for 2016

Best 10 ELSS Mutual Funds in india for 2016

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. Franklin India TaxShield

4. ICICI Prudential Long Term Equity Fund

5. IDFC Tax Advantage (ELSS) Fund

6. Birla Sun Life Tax Relief 96

7. DSP BlackRock Tax Saver Fund

8. Reliance Tax Saver (ELSS) Fund

9. Religare Tax Plan

10. Birla Sun Life Tax Plan

Invest in Best Performing 2016 Tax Saver Mutual Funds Online

Invest Online

Download Application Forms

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

---------------------------------------------

Leave your comment with mail ID and we will answer them

OR

You can write to us at

PrajnaCapital [at] Gmail [dot] Com

OR

Leave a missed Call on 94 8300 8300

-----------------------------------------------

Popular posts from this blog

Post Office Deposits Interest Rates

Best SIP Funds to Invest Online   SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich For further information on Top SIP Mutual Funds contact  Save Tax Get Rich on 94 8300 8300 OR You can write to us at Invest [at] SaveTaxGetRich [dot] Com

LIC Leave Encashment Plan

LIC Leave Encashment Plan       Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015 1. ICICI Prudential Tax Plan 2. Reliance Tax Saver (ELSS) Fund 3. HDFC TaxSaver 4. DSP BlackRock Tax Saver Fund 5. Religare Tax Plan 6. Franklin India TaxShield 7. Canara Robeco Equity Tax Saver 8. IDFC Tax Advantage (ELSS) Fund 9. Axis Tax Saver Fund 10. BNP Paribas Long Term Equity Fund You can invest Rs 1,50,000 and Save Tax under Section 80C by investing in Mutual Funds Invest in Tax Saver Mutual Funds Online - Invest Online Download Application Forms For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call --------------------------------------------- Leave your comment with mail ID and we will answer them OR You can write to us at PrajnaCapital [at] Gmail [dot] Com OR Leave a missed Call on 94 8300 8300 --------------------------------------------- Invest Mutual Funds Online Invest Any Mutual Fund Online Download Mutual Fund Application Forms fro

Power of Compounding in Investments

Power of Compounding in Investments Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich Top 10 Tax Saver Mutual Funds for 2017 - 2018 Best 10 ELSS Mutual Funds to Invest in India for 2017 1. DSP BlackRock Tax Saver Fund 2. Tata India Tax Savings Fund  3. Birla Sun Life Tax Relief 96 4. ICICI Prudential Long Term Equity Fund 5. Invesco India Tax Plan 6. Franklin India TaxShield  7. Reliance Tax Saver (ELSS) Fund 8. BNP Paribas Long Term Equity Fund 9. Axis Tax Saver Fund 10. Sundaram Diversified Equity Fund Invest in Best Performing 2017 Tax Saver Mutual Funds Online Invest Best Tax Saver Mutual Funds Online Download Top Tax Saver Mutual Funds  Application Forms For further information contact  SaveTaxGetRich on 94 8300 8300 OR You can write to us at Invest [at] SaveTaxGetRich [dot] Com OR Call us on 94 8300 8300

MF SIP Top Up Online

Mutual Fund SIP Top Up Online As your monthly income grows, so should your savings. With this facility, you can increase your existing monthly SIP contributions. This can be done on a half-yearly and yearly basis. And you can top up with a minimum of Rs.500 per installment or multiples of Rs.500 as per your convenience.

Kotak Banking Exchange Traded Fund (ETF)

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300 Kotak Banking Exchange Traded Fund (ETF) Kotak Mahindra Mutual Fund has launched Kotak Banking Exchange Traded Fund ( ETF ). The fund aims to provide returns before expenses that closely correspond to the total returns of stocks belonging to the CNX Bank Index , subject to tracking error. For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call Leave a missed Call on 94 8300 8300 Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest Mutual Funds Online Invest Any Mutual Fund Online Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms --------------------------------------------- Best Performing Mutual Funds Largecap
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now