Capitalmind
Capitalmind
Actionable insights on equities, fixed-income, macros and personal finance Start 14-Days Free Trial
Actionable investing insights Get Free Trial

24 ArticlesULIP

1 / 3

Why You Shouldn't Buy ULIPs: After We Confuse You, We Underperform Everything

I don’t generally write about ULIPs but once in a while it’s useful to see how bad these products have been. We wrote a long post about HDFC Crest ...

ULIP Underperformance: Stunted By Guarantees

Unit Linked Insurance Policies tend to be very complex and highly loaded with costs. But some policies have looked good in theory, but they turn out to be dud ...

How to Analyze a ULIP: Video

At MarketVision, I have a 10 minute video of a ULIP Review (HDFC SL Crest) that will help you understand how to look at a ULIP and analyze it's charges and so ...
maxresdefault.jpg

Reader Query: Should I exit this ULIP?

Reader S writes in: Hey Deepak, I am invested in 2 ULIPS. 1) Birla Sun Life SaralWealth : 35800 anually since Feb 2010 ( paid 1 premiums) current fund value is ...

The New ULIP Regime

(This is an article I wrote recently, so here you go!) The new ULIP regime is here, and insurers must be balking in fear. The changes? Spread commissions over ...

IRDA: Limit ULIP Surrender Charges to Rs. 6,000

IRDA, the regulator I have torn into over ULIPs, has started to get investor friendly. And how! The latest piece is a notification for early surrender. If you ...

Will you pay for ULIP or Investment Advice?

I’m just working through my inbox and at least 200 emails are still pending, with people asking me what I suggest they do about their policies. The requests ...

IRDA Wakes Up, ULIP Changes in Store

Says Mint: Two Irda officials told Mint on Monday the regulator will soon declare stringent norms on front-loading of commissions, surrender charges, risk ...

IRDA wins the battle to regulate ULIPs

It’s final. The government has decided that the ULIP turf war will be decided in favour of IRDA. The government has brought down curtains on the two-month ...

Value Research: Tax ULIPs

Dhirendra Kumar makes a useful point: Like all insurance products, the returns earned by ULIPs are free of income tax. However, the returns from the investment ...