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ULIP Returns in 15 Years
Invest In Top Rated1 Funds to Get Return You Deserve
Invest In Top Rated1 Funds to Get Return You Deserve
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Having a strategy is crucial for securing a bright and stable future ahead of you. Unit Linked Insurance Plans (ULIPs) offer a way to invest by providing both life insurance coverage and the opportunity for market-driven wealth growth. At TATA AIA we are dedicated to assisting you in reaching your objectives in the long term, whether that involves saving for your child's education, purchasing your ideal home or building a sizable nest egg for retirement.
When you opt for a Unit Linked Insurance Plan (ULIP), you stand to gain from returns tied to the market and the added advantage of life insurance protection. In 15 years, ULIPs can offer returns that aid in building your finances reliably.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
What Are The Returns On Ulips After 15 Years?
ULIP policies are designed to offer profits, depending upon the investment plan you select and how the market performs. Over 15 years, ULIPs can give you:
Market-Based Growth Potential - Your payments are allocated to a combination of stocks, bonds or mixed funds that increase in line with market trends.- Compounded Benefits - The magic of compounding works wonders as your investments grow over time.
- Risk Mitigation - Over a span of 15 years, it helps in managing risks by smoothing out the effects of short-term market ups and downs, which can lead to better returns over time.
For example, ULIP investments in stocks may offer increased profits over 15 years while bond investments can provide growth with risk involved. The ability to switch between funds enables you to optimise your earnings based on your risk tolerance and current market conditions.
Top Advantages Of Putting Money Into Ulips For 15 Years
Investment in ULIPs for 15 years comes with benefits that make it a convincing option. Some of these benefits are:
Generating Wealth: This occurs due to a mix of benefiting from market growth and properly maintaining an investment strategy allowing you to build an amount of assets over time.
Life insurance: Policies like ULIPs can safeguard your family's well-being in case something happens to you and provide them with the security they need.
Flexibility: ULIPs offer the ability to adjust your investments easily according to your objectives by switching funds and selecting payment terms that suit your changing needs.
Tax Benefits: Maximise your tax savings by taking advantage of deductions under Section 80C for the premiums you pay and Section 10(10D) for the benefits you receive upon maturity in accordance with tax regulations.
Transparency: Keep an eye on your investments. Monitor your returns regularly by reviewing account statements.
Goal-Based Planning: When it comes to goal-based planning and securing a future over the long term, Unit Linked Insurance Plans (ULIP) represent an effective choice.
Factors That Impact ULIP Returns Over 15 Years
Some elements impact the returns on your ULIP investments throughout a 15-year timeframe:
Choice of Funds:
When deciding on funds to invest in—whether it be equity funds for growth potential or debt funds for stability—it's crucial to consider your risk tolerance and financial objectives as these factors have an impact on the returns you can expect.
Market Performance:
Unit Linked Insurance Plans (ULIP) are linked to market performance; hence the growth of funds is contingent upon the market behaviour, during the investment timeframe.
Investment Period:
Opting for a timeframe such as 15 years lets you navigate through market ups and downs effectively and make the most of compounding advantages.
Fund Switching:
Switching funds actively in your portfolio can help optimise returns through fund-switching strategies to enhance performance.
Fees Involved:
Although ULIP plans involve charges such as fund management fees, TATA AIA provides great rates to make sure your investment remains cost-effective.
How to Maximise ULIP Returns in 15 Years?
Here’s what to do:
- Start Early - The more time your money has to grow and benefit from compounding interest, the better.
- Stay Invested - Keep your investments in place for the term to allow them to grow and avoid withdrawing.
- Switch Strategically - Be strategic in your approach by keeping an eye on how your investments are performing and consider switching between stocks and bonds depending on the market conditions.
- Align with Goals - Opt for fund categories and premium levels that match your goals effectively.
Secure Your Financial Future with TATA AIA ULIPs
Invest in TATA AIA ULIP plans for 15 years to explore a range of opportunities that offer a blend of growth and security for your goals and aspirations. Take control of your path today and experience the comfort of being assured that your goals are attainable.
THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
Past performance is not indicative of future performance.
All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Param Raksha Life Pro+ is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V01) and (2) Tata AIA Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).1 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024
2©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
10As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
11Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
1277,26,727 families protected till December ’23.
*5-year computed NAV for Multi Cap Fund as of December 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not, and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
Every effort is made to ensure that all information contained in this document is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.
Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
The information provided is for informational purposes only and not a substitute for professional advice. The Insurance Regulatory and Development Authority of India (IRDAI) is not responsible for any decisions made based on this information.
By using online services, you agree to the insurer's terms and privacy policy.
Policyholders should assess their needs independently before making any decisions regarding their insurance policies.
- L&C/Advt/2025/Feb/0971
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