Ulip VS Mutual Fund :- ULIP Policy kya hai?

Unit linked insurance plan (ULIP) ka use Tax bachane ke liye kai log kar rahe hai, jo New ITCG tax ke effect se dur rahega. Ulip (Unit linked insurance plan) me apko Investment karna chahiye. ye hame financial goals ko dhyan me rakh kar karna chahiye.

ULIP kya hai? (What is a ULIP)

Unit linked insurance plan ek esa product hai, jaha Insurance and Investment Benefits ek me hi jude hote hai, jinhe Insurance company Present karti hai. Unit linked insurance plan ko first time Unit Trust of India (UTI) ne Launch kiya tha.

ULIP kaise kam karta hai? (How does ULIP work)

ULIP Insurance and investment ka ek combination hai. jab koi premium ka Payment karta hai, to premium ka ek Part insurance coverage Provide karne ke liye use kiya jata hai. Baki ka Payment equity securities end loan me Investment karne me use kiya jata hai.

ULIP end mutual fund me kya similarity hai? (Similarity in ULIP and Mutual Funds)

mutual fund ki tarah hi premium ko ratio me Investment karne ke liye ek sath deposit kiya jata hai. Aap apni requirement according investment ko Personalize kar sakte hai, our Risk par Benefit le sakte hai. ULIP ek Fixed Number par Fund rakhega, jo Daily basis par Declared kiye jane vale Net Asset Value (NAV) ko rakhta hai.

Fund unit value Total units ki Total number ke dvara Fund ke investment ki Total units ko divided karke Calculation karta hai. Return Rate Net Asset Value (NAV) se Fix ki jati hai.

ULIP Mutual Fund se kis tarah alag hai? (ULIP different from a Mutual Fund)

ULIP me minimum 5 years ki Lock-in period hota hai, jisme insurance coverage bhi add hota hai. Equity mutual fund scheme ke sath me yadi ap performance se Satisfied nahi hai, to apko ise sell karne ki Freedom hoti hai. jab aap apna insurance cover kho dete hai, to apke liye ULIP ko vapas lene ka Decision difficult ho jata hai.

insurance policy Ulip ke saman kaise hai? (insurance policy similar to a Ulip)

Ulip me bhi apko life insurance policy ki tarah hi Life coverage milta hai. Apko insurance company ko premium ka Payment karna hota hai. Apke Plan par based Premium amount alag hoti hai. Lump Sum (Single Premium) ko Start me investment kiya ja sakta hai. Apke pas Annual, semi-annual or monthly premiums ke sath Periodic payment ka option bhi hota hai.

ULIP ke kya fayde hai? (Benefits of ULIP)

ULIP ke kai tarah ke fayde hote hai, aaj ham apko ULIP ke fayde Step by step batayenge.

Market-linked :-

ULIP me Fund, market-linked instrument me Investment kiya jata hai, yadi Market apke favor me hai, to apko Exceptional returns milne ki opportunity milti hai.

Life Insurance :-

Life Insurance me Insurance Policy kai Features ke sath Life safety coverage Provided karti hai.

Long term savings :-

Ulip ko 5 years ya usase jyada years Period tak badaya ja sakta hai, sirf iske liye apko insurance plan ki tarah premium ka Payment karne ke liye Long term commitment ki requirement hoti hai.

Flexibility :-

Ulip sabhi ko unki Requirements According Investment plans ke bich Switch karne ka option deti hai.

Tax free :-

Ulip se Received Benefit Section 80C and 10D ke Under Tax free hai.

Premium plan :-

Ap Premium ke rup me Lump sum payment kar sakte hai, ya fir Fixed term years ke liye Plan basis par Periodic payments Option select kar sakte hai.

Ulip ke Risk kon se hai? (Risk of Ulip)

Jab bhi Insurance companies advertising karti hai, to apne suna hoga ki bajar jokhimo ke adheen hai. kripya nivesh karne se pahle policy dastavej ko dhyan se padhe. Ise kharidne se pahle Sure ho jaye ki ULIP specification sheet ko ap sahi tarike se padh le, our use samajh le. United Linked Insurance Plan se apka Return Direct market se add hota hai. policy holder ke rup me aap all risk ko Face kar sakte hai.

Ulip par lagu shulk? (Fee Applicable on Ulip)

Insurance company, administration fee, fund management charge, switch fee, surrender fee, death rate, premium allocation charge, partial withdrawal charge etc shulk lagu hota hai. Ye Insurance company policies ke anusar alag hoti hai.

tax benefits :-

policy holder ki Death par Policy maturity end Policy holder Will par Partial withdrawal hone par Ulip ki vapsi hoti hai.

Death Benefit :-

policy holder ki Death par Return tax free hota hai.

Maturity :-

Maturity par received Benefit 10d ke Under tax free hota hai.

Partial withdrawal :-

Return, Policy Fund Value 20% se jyada nahi hoti hai, to Lock-in period ke pura hone ke bad ise banai jati hai, jo tax free hota hai.

Premium :-

Ulip par diye gaye Premium par tax free ka Claim kar sakte hai, jo Equity, debt or money market instruments me section 80C ke Under Investment kiye gaye hai. Current and upcoming years ke liye Section 80C ki limit 1.5 lakhs hai.

Premium Extra :-

Next stage me plan me Introduced kiye gaye Additional premium, under section 80C and 10D ke Under tax free hote hai, yadi insured amount 10% se jyada na ho to.

ULIP me Investment se pahle puche ye questions? (questions before investing in ULIP)

kya apke pas sufficient Life insurance hai?

apko apni Annual earning ka 7-8 guna Insurance lena chahiye. ho sakta hai ki apko sirf ULIP se paryapt insurance cover na mil paye, iske liye apko First me term plan lena chahiye.

Kya ULIP stock market related products hai? ( ULIP stock market related products)

Mutual fund ki tarah hi ULIP products bhi Stock market se related hai. Jiske liye Market risk yaha par bhi hai. only Equity fund hi nahi, Debt fund me bhi apki Capital loss ho sakti hai.

5-6 years tak Investment me bane rahna kafi nahi hai?

ULIP me Five year lock-in period hota hai, lekin iska matlab ye nai hota hai, ki iske bad ap Investment se nikal jaye. Great return ke liye apko ULIP me 10-12 years ka time dena hoga.

Kya Switching facility ke bare me jante hai ap? (Know about switching facility)

ULIP me Alternate options me jane ke liye Switching facility sabhi ke liye bada profit hai. Ap debt or equity me Switch kar sakte hai. Aap iska ulta bhi kar sakte hai.

All term ke ke liye premium pay kar payenge? (All term premium pay)

ULIP profit lene ke liye apko isme Long-term investment karna hoga. Main question ye hai, ki kya ap Full term tak isme Investment jari rakh sakte hai. Agar nahi, to apka isme Investment karne ka koi matlab nahi hai.

Tax rules ke bare me apko Information hai? (Tax rules information in hindi)

Ulip plan par Tax rebate ka profit lene ke liye apko annual 10 times premium Life cover jaruri hai. Yadi Life cover kam hai, to apko na to investment par Tax rebate milegi, our na hi Maturity amount Tax free hogi.

Ulip le ya Mutual Fund? (Ulip VS Mutual Fund)

Ulip our Mutual Fund me Better kon hai? jis tarah Agent Ulip Sell karte hai, use dekhte huye har kisi ke man me ye Question ana lajami hai. Kya Ulip bhi ek tarah ka Mutual Fund hai? Kai tariko se dekha jaye to, Ulip Mutual Fund se alag ho sakta hai.

Kyo ki yaha bhi Equity and debt market me paise lagane hote hai, Unit issued hote hai, our ham unke Nav dekh sakte hai. Shayd yahi par dono ki Similarities over end ho jati hai.

ULIP Investment and Insurance ka mix rup hai, lekin ye Long term investment karte hai. Yadi ap 7 years se kam Period ke liye Ulip lete hai, to ye apke liye good decision nahi ho sakta hai. Kyo ki ULIP charges only First year charge hi lagta hai, jo apke First year premium ka 40 percent ho sakta hai.

Insurance companies chahati hai, ki aap Long Term tak paise lagaye, kyo ki company ka view Long term ka hota hai. Agar apka Agent apko only three years Lock-in period bata kar ULIP Sell kar raha hai, to apko naye Agent ke pas jana chahiye. agar ap 3 years me paise nikal bhi lete hai, to tab bhi apne Full policy term ke liye all charges Pay kiye hai.

ULIP market me Long term ke liye paise lagate hai. Kyo ki ULIP me Investment motive Quick profit kamana nahi hota hai, balki Pension Plan, Child Plan or Retirement Plan ke Long term me apke paise banana hota hai.

All Plan ke liye 1-15 years ya fir usase jyada ka Investment jaruri hota hai. ULIP ka ek our bada profit ye hota hai, ki isme Investment ke sath apko Insurance protection bhi milta hai. ULIP ke sath apko Standard Term Cover or Critical Illness Cover milta hai.

Yadi aap market se ye Cover lete hai, to bhi apki iski Prize yahi milegi, lekin ULIP ka benefit ye hai, ki ye insurance cover inse jude hote hai, yadi ap chahe to age and income Increase hone par aap Insurance cover bhi bada sakte hai.

ULIP me apko Date to Equity end Equity to Date me Switch karne ki Facility bhi milti hai. Ap ye usi Policy me ye kar sakte hai. Jiske liye apko koi Charge nahi dena hota hai. Agar ap Long term investment ke sath insurance cover chahte hai, to ULIP apke liye Best product hai, lekin dhyan rahe ki ye puri tarah apki requirement pare Depend hota hai.

Google AdSense, AdMob, Ad Manager Policy Update In Hindi

VID :- Aadhaar Virtual ID kya hai, Virtual ID kaise Banaye?

History of insurance :- Bima Kya Hai, Insurance Ka paisa Kaise milega?

Cyber Attack Se Apne Business Ko Kaise Bachaye?