ULIPs vs Mutual Funds : Which is Better?
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- เผยแพร่เมื่อ 27 ส.ค. 2024
- ULIPs vs Mutual Funds : Which is Better?
Mutual funds are trusts that pool money from many investors who share a common investment objective. The money is then invested in stocks, bonds, money market instruments or other securities depending on the investment mandate of the mutual fund scheme. A ULIP is a life insurance plan that offers the twin benefits of investment to fulfill your long-term financial goals, and a life cover` to financially protect your family in case of an untoward demise. ULIPs come with a built-in life insurance cover. Mutual Fund investors need to buy life insurance separately. ULIPs have a very low mortality cover which is insufficient for life insurance goals. Also they have higher charges than mutual funds.
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The comparison starts at 6:33
ULIP doesn't have tax at the end though MF has 10% beyond 1lac. Overview mutual fund is still better but this is important difference
what do you suggest
.where to invest?
Its not always good but mostly its bad only. Fund management s high and lot of other charges in many ULIPs. So even if its tax free returns might be less. Also most time mutual funds gives better returns so 1 percent higher return in mutual funds can beat tax saving amount in ULIP. So dont jump without thinking
@@sumitlehri5704Except a max life product go for mutual fund. Only one or two ulips are good.
@@arjunmohandas8870 Which is why I said mutual funds are still better overall
10 % Only on profit not on all amount
The videos from groww help me to understand the working of mutual funds
Thanks mam,but you didn't told about section 10(10D) tax benefit inULIP plan.
Is there anyone who know the maturity amount from Mutual funds will be tax free or not?
One of the brokers told me that ULIP's maturity amount will be 100% tax free.
Ulip maturity is tax free
LTCG of MF is tax free upto 1lac and beyond is taxable at the rate of 10%
Upto 2.5L yearly premium in ULIPs maturity amount is tax free
But ulip is scam because jaise jaise age badhegi usme charges woh log jyada lete hai premium mortality charges jo apni umar k saath saath badhte jata hai
@@joh.nnybhai69 Bhai mujhe please bus itna bata dijiye Maine ek Ulip plan liya hai.. Kya uski jo current value jo dekha rha hai woh pura paisa aayega ya tax katkar aata hai.. Please btaye please🙏🙏🙏🙏🙏🙏🙏
Very usefull information 👍🏻.. Thanku
Aapki information correct hai pr incomplete ulip main ab switchings ko free kar Diya Gaya hai plus har company saare charges ab bhi leti hai kuc companies premium allocation leti kuc policy administration leti hai
Direct mutual funds ka kya chal Raha hai seen who will bear the expense investor or you.
Very informative
Please advise if long term capital gains for ulps are 10% for Oci/Nri aswell or are they any different?
Thanks in advance
You have to also guide users, how to apply for ULIP with Groww
Very good thanks ji
Vary vary informative
Ulip mei agar aapne term pura hone ke baad hi maturity li he to sab charges refund ho jaate he
Thanks for this nice information
Good
As mutual fund having capital gain charges of 10% where ULIP less than 2.5 lakhs having no capital gain charges. If i am looking for investment of 2.5 lakhs per annum for 20 years. It would be better to invest in ULIP or mutual fund ?
Kisi bhi ULIP ka monthly statement read kro. I was investinv 20,000 per month in Aditya Birla Capital ULIP. They were charging 850 to allocate me the shares. Wtf!!!! ULIP is fraud.
every investment product has a fee structure. Even MF charge you and is adjusted in the NAV.
Bhot acha video hai aj kaj Mera problem hai ye solove hogaya hai tnx groww
😮😅
10:10
Good information
Maine Tata AIA fortune pro plan liya hai aur allocation rkha h emerging opportunities fund me 100 percent..PPT h 10 years and policy term h 15 years....ye sahi rahega kya mam
Acha hai
what about the principal amount guarantee given by ULIP and not by mutual fund?
Ur channel is so underrated yaar
How the mutual fund returns tax will be calculated based on salary slab regime or only 10 % from gains
Hello,
Returns are taxed at 15% , if you redeem before one year. After 1 year, you are required to pay LTCG (Long Term Capital Gains) tax of 10% on returns of Rs. 1 lakhs+ in a financial year.
Thank you
what about tax benefit of 10(10d) that saves us a lot of money with ulip rt?
You didn't told about tax free maturity of ulip
Maturity of ulip is tax free। अभी तक जो देखा गया है म्यूचुअल फंड से ज्यादा पैसा बनाकर यूलिप ने दिया है।ulip में जो भी आता है एक निश्चित गोल के साथ आता है। और कम्पनी को भी पता है यह पैसा 5 साल कही नहीं जा रहा है। इसलिए ऐसे कम्पनी में इन्वेस्ट किया जाता है की एक बेहतर रिटर्न मिले जबकि म्यूचुअल फंड में 90% लोग 2से 3 साल में पैसा निकाल लेते है इसलिए कम्पनी ऐसे जगह पैसा लगातीं है जहां रिटर्न भले ही कम मिले लेकिन कस्टमर नाराज नहीं हो 😂
@@nirusingh2139 Sir mujhe please bus itna bata dijiye Maine ek Ulip plan liya hai.. Kya uski jo current value jo dekha rha hai woh pura paisa aayega ya tax katkar aata hai.. Please btaye please🙏🙏🙏🙏🙏🙏🙏 and Sir sach mai aap serious hai ki ulip accha return deta hai compare to mutual? But sir Maine sbse suna hai ki mutual accha deta hai return..
bahut hi shandar informative video, thanks grow
hi, need suggestion I have HDFC click to retire started from Oct2016. Plase suggest if I should withdraw it and buy MF?
Simply withdraw if u invested less than 5 yr
nice imformation madam
Mam ULIP has SIP investment option like mutual funds or is it a lumpsum investment till 5yrs lock-in period?
You can put monthly
sip and lumpsum both are availabel in ULIP
Groww application can we use for investment . Is it safe to use? How I can trust they will keep money Safe?
SEBI will insure that
Super
Never choose ulips over mutual funds, ulip is simply wealth wasting product
How ulip is West product
Please explain because I have invested in Ulip
@@MDFarhan-gl3gg just stopped the investment in ulip and invest in mutual funds simple
Itna bhi waste nehi hai. Sb acha hai.
@@mainakmallick1143 bahut jaada waste product hai bhai ye
Grow app me daily sip ka option he kya he to uske uper bhi video banao
Issiliye pehle better nahi tha pr ab hai
If i want to have insurance+ return other than ulip only option is term+mf in that case term money i will not get.for 1 crore cover now a days term is 2.5k.whereas ulip gives 1 crore cover for 10 k and return is calculated over this 10 i believe at end of tenure.in that case i feel ulip is better option as in term+mf i will be loosing straight 20% everymonth as term is non refundable.can any one clarity it.
जानकारी बोहोत अच्छा लगा धन्यवाद,,,
How to invest in ULIP
policy bazaar
which language she is speaking
Hindi + English
Waaah itne Sara charge,😂😂😂😂😂
Don't ever but ulips for insurance..they hardly provide insurance of 6 lacs
Not like that bro ulips provide tax benefit that's the only reason for buy ulip. If we pay outside mutual funds we need to pay tax on our returns whereas if we pay through ulips no need to pay any tax to government
Now there is a v good ulip
Tata smart sampoorna rakhsha
It provides big life cover along with investment.
It's the best product in my view in present market 😊
@@abdullahsheikh358how it is better..40 years life insurance after 40 years invest returns only in 12 years of limited pay premium.
Very nice video
And i have a question please
Let's example i invest 1000 in MF and one day return was 10 rs so next day my 1000 will be trade or 1010 please answer
Koi reply bhi milega ya nhi
@@jatinkalra5914 1010 will be your investment value for next day...
@@md.rehan159 you sure?
@@jatinkalra5914 💯 sure
they will buy units with 1000 Rs, lets say for 1 unit NAV= Rs 10, then they will buy 100 units.
If the next day, NAV increases to 11 rs, then 100 units value will reflect as Rs 1100.
If the day after it becomes 9 Rs, then your value would be 9000.
The day you sell, whatever is the NAV* no of units= final value (minus any charges and tax)