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Invest In our Top-Rated Funds1 to Get the Returns You Deserve
Invest In our Top-Rated Funds1 to Get the Returns You Deserve
New Fund Offers (NFOs) in Tata AIA Unit Linked Insurance Policies (ULIPs) offer a seamless passage to balance the two necessities.
NFOs introduce a distinct opportunity for investors to combine the benefit of life insurance coverage with a range of innovative investment strategies. With Tata AIA’s innovative solutions, combining life insurance protection with wealth creation, you can plan long-term wealth creation.
Let us look at the key features and benefits of NFOs in ULIPs and the popular Tata AIA NFO launches for a distinct investment journey.
A New Fund Offer refers to the launch of a new fund option for the investment in financial securities, providing the opportunity to invest during its initial offering period. Every New Fund Offer will have a different investment objective, asset allocation, and strategy.
New Fund Offers in life insurance plans are provided with Unit-Linked Insurance Plans (ULIPs) to offer the investment benefit with the life insurance coverage.
Therefore, it is aligned to secure the policyholder’s family’s financial future in their absence and provide capital appreciation during the long term.
The investors can purchase the New Fund Offer during a specific duration that can be a day and extend up to a few weeks. The investors can allocate funds to the New Fund Offer during this subscription period.
The initial offer price is the price at which the investors can buy units of the New Funds Offer during the subscription period. It is generally available at an NAV of ₹10.
Investors can purchase units of these New Fund Offers at the fixed initial offer price.
The investment objective of the New Funds Offer will differ based on the type of funds invested, such as mid-cap, small-cap funds, debt etc.
Tata AIA Funds Have Delivered Benchmark Beating Performance |
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|
Last 5 Years Returns6 (CAGR) |
Since Inception7 Returns (CAGR) |
||
Tata AIA Funds |
Fund Return (%)6 |
Benchmark Return (%)6 |
Fund Return (%)6 |
Benchmark Return (%)6 |
Multi Cap Fund |
27.64% |
16.57% |
22.13% |
13.37% |
Top 200 Fund |
27.78% |
16.57% |
19.58% |
15.51% |
India Consumption Fund |
26.49% |
16.57% |
21.36% |
13.37% |
6Data as on December 31, 2024. Past performance is not indicative of future performance.
Fund Benchmark: Multi Cap Fund, India Consumption Fund, Top 200 Fund: S&P BSE 200.
7Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.
ULIP Policy provides the necessary life cover to offer financial protection for the policyholder's family while providing the opportunity to invest in the financial market based on their risk profile and money goals.
NFOs focus on financial objectives such as sustainability, growth potential, flexibility, stability, etc. Individuals can compare the investment options based on their objectives and choose a suitable ULIP fund option per their risk appetite.
The ULIP Policy is a combination of insurance and investment streamlining financial objectives into a single solution for both protection and wealth creation needs.
Investors can choose to invest in the NFOs with the ULIP Policy for the long term to focus on capital appreciation. It can help them plan and secure funds for their long-term financial objectives.
As the New Fund Offers (NFOs) have unique investment objectives and strategies aligned to the current market trends, policyholders get exposure to new investment strategies for a higher growth potential.
Our experts are happy to help you!
What are Unit Linked Insurance Plans?
ULIPs, or Unit Linked Insurance Plans, are financial products that combine life insurance with investment options. Insurance companies offer them to provide both insurance coverage and investment opportunities in a single package.
What are the different types of funds available under a ULIP?
ULIPs offer various fund options for different risk profiles and investment goals.
The specific names and categories of funds can vary between different insurance companies. For instance, Tata AIA offers nearly multipledifferent types of funds with varied features and risk profiles.
Here are some common types of funds that are typically offered under ULIPs:
Equity Funds
Debt Funds
Balanced Funds
Money Market Funds
Growth Funds
Income Funds
Index Funds
Sector Funds
Aggressive Growth Funds
Conservative Funds
Before making investment choices, it's essential to thoroughly understand the characteristics, risk profiles and historical performance of the different fund options the ULIP offers. You should consider your financial goals, risk tolerance and investment horizon when selecting funds within a ULIP.
What is the difference between an existing fund option and an NFO in a ULIP Policy?
New Fund Offers (NFO) launch a new fund option with a distinct investment objective, fund strategy, and asset allocation against the existing fund option. Therefore, it allows policyholders to diversify their investment portfolios based on their risk appetite and financial objectives.
How to choose the right NFO for my ULIP Policy?
Choosing the right NFO for your ULIP Policy depends on your individual financial objectives, investment tenure, risk tolerance, and investment strategy. You can compare the different NFOs available based on their past performance and make a well-informed decision.
Is it better to opt for an NFO within a ULIP than a direct NFO?
Following are some of the benefits of opting for an NFO within a ULIP:
Simplicity: If you're already considering a ULIP for life insurance and investment combined, choosing NFOs within the ULIP might simplify your financial management by consolidating your insurance and investment needs.
Insurance Coverage: ULIPs offer life insurance coverage and investment, which could be beneficial if you seek both. This can provide a comprehensive solution in a single product.
Diversification: ULIPs typically offer a range of investment funds, not just NFOs. This diversification might provide more stability to your investment portfolio.
Professional Management: The investment options within ULIPs, including NFOs, are managed by professionals employed by the insurance company. This can provide a sense of security in terms of investment decisions.
However, whether NFOs within ULIPs are "better" depends on your individual circumstances and preferences. If you're primarily seeking life insurance coverage and investment options and are comfortable with the terms and costs associated with ULIPs, they could be a suitable choice.
Before making any decision, it's crucial to thoroughly research and understand the specific terms, charges, risks and benefits associated with both options.
Disclaimer
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.
*5-year computed NAV for Multi Cap Fund as of Dec 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
+Tata AIA Multi Cap Fund open for new business which has completed 5 years since inception is rated 5 stars by Morningstar on a 5-year basis as of October 31, 2024
3Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
The precise terms and condition of this plan are specified in the Policy Contract.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or another professional advisor.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the policy usually involves high costs, and the surrender value payable may be less than all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Supreme is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
L&C/Advt/2025/Jan/0363
FOR EXISTING POLICY 
FOR NEW POLICY 
