ULIP (Unit Linked Insurance Plan) क्या है? - ULIP vs Mutual Funds

Should we buy ULIP or Mutual Funds? Term Insurance is better than Unit Linked Insurance Plan.
Sign-up to our new app for discounts and early access:
✔ assetyogi.com/sign-up/
-----------------------------------------------------------------------------------
Compare & Buy 2 must have Insurance plans:
1. Term Life Insurance - bit.ly/term-life-insurance-co...
2. Health Insurance - bit.ly/health-insurance-plan-...
ULIP or Unit Linked Insurance Plan is a better investment or Mutual Funds and ELSS along with Term Insurance? What is ULIP? What are the tax benefits, expected returns? How does it compare with Mutual Funds? In this hindi video, we explain it all.
-------------------------------------------------------------------------------------------
Related Video:
Life Insurance Cover - • How much Term Life Ins...
-------------------------------------------------------------------------------------------
Share This Video : • ULIP (Unit Linked Insu...
यूलिप या यूनिट लिंक्ड इंश्योरेंस प्लान टर्म इंश्योरेंस के साथ-साथ एक बेहतर निवेश या म्यूचुअल फंड और ईएलएसएस है? यूलिप क्या है? कर लाभ, अपेक्षित रिटर्न क्या हैं? इसकी तुलना म्यूचुअल फंड से कैसे की जाती है? इस हिंदी वीडियो में, हम यह सब समझाते हैं।
Subscribe To Our Channel and Get More Finance Tips:
/ @assetyogi
To access more learning resources on finance, check out www.assetyogi.com
What is Unit Linked Insurance Plan (ULIP) ?
How to save tax from ULIP ?
What are the tax benefit of ULIP?
Is ULIP a good option for Investment & Insurance ?
What are the advantage of ULIP ?
What are the disadvantage of ULIP?
What’s the difference between ULIP & Mutual Funds ?
What’s the difference between ULIP & ELSS ?
How much returns should we expect in ULIP ?
What’s the maturity benefit in ULIP ?
What’s the duration lock in period in ULIP ?
What is Fund value & sum assured in ULIP ?
What are the charges in ULIP ?
Click the bell icon, Click the Like button & share the video.
Other Great Resources
AssetYogi - assetyogi.com/
Follow Us on:
Facebook - / assetyogi
Twitter - / assetyogi
Pinterest - / assetyogi
Instagram - / assetyogi
Linkedin - / asset. .
Hope you liked this video “ULIP (Unit Linked Insurance Plan) - Or Mutual Funds & ELSS?”.

[@AssetYogi]

Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses. Compare & Buy 2 must have Insurance plans: 1. Term Life Insurance - bit.ly/term-life-insurance-compare 2. Health Insurance - bit.ly/health-insurance-plan-compare

[@bikramjitroy3197]

HI sir. I have been investing 5000 every month in max life ULIP. I have paid 12 premiums alreday till march 2023. What should I do? Should I surrender right now?

[@ShivangiSharma-vp4ff]

Saw your videos on rbi monetary policy they were really good please upload more videos related to banking exams like basel norms, security markets etc.

[@rushifixxer4372]

I'm studying MBA finance and tomorrow is my paper and their is short note of ULIP and i was not understanding the theory so I googled it and saw your video Awesome explanation sir. All my concept is clear plus gain additional knowledge and also shared your video with my friends thank you sir 🙏🏻Keep your good work Up

[@sundersinghbhati6034]

Malik Sir, I have always found in your video that you have always give your best, always comes with healthy videos,so benifyyy to us, increase think lavel, We always wish to be with you.........

[@AssetYogi]

Thanks for appreciating Sunder. Keep supporting

[@ManasR]

Dear Mukul, I was looking for this video. Greatly explained as always! You are awesome! Thank you for all your analysis, sincere efforts and details! I can imagine the efforts that goes in preparing such content. Congratulations for 1M+ subscriber. You deserve it. I am sharing your channel with my friends to help them gaining valuable financial knowledge from your content. I feel I am late in watching your videos but a good start. I am in US and have busy schedule. Your videos are so great that I am waking up in the middle of night to find time to watch. So just wanted to let you know that your content is really really that good. It is worth investing every minute. I have only one request (If I may)...Kindly respond to viewer queries in the comments if you get a chance. Great job again! Keep it up!

[@ayuankit2309]

Thanks sir ... Apki ye video mere bahut kam ati h ..

[@sanjayahuja24]

Excellent video! Sir, which software do you use to make your videos? I like the way you use the blackboard in your videos. Do you use Camtasia?

[@bhaskerchaturvedi5319]

Seriously man , you just made my day , what a great explanation. Thanks for such a good content with great explanation too .

[@AssetYogi]

Thanks Bhasker

[@harshasomani2073]

Why people don't understand ulip is discipline form of investment unlike mutual funds. You redeem mutual funds for any emergency and hence you cannot create wealth as you keep on taking out ur investments once you know there is no lock in. Ulip is always a better investment if you see the habit it creates in you and talking about 2-3% less return, i would still prefer to go with it as atleast i m continuing my investments without any break. N in long term equity has always proven to give returns compared to short term.

[@halvincarris]

Isn't SIP also a form of discipline. You can do that in mutual funds and get better returns than ULIP.

[@visfotakvideos5202]

​@halvincarris He is talking about the discipline of not being able to take out money, not putting in the money. Hope this makes sense.

[@halvincarris]

@@visfotakvideos5202 No, it absolutely makes no sense. In MF there is an exit load too which prevents you from taking out money, in ELSS MFs there is a 3 year lock-in too. In addition to this people generally take out their money when they need it for an emergency which is obviously not possible in ULIPs. Now consider if one has lost their job or is hospitalized, do you think they should be focussed more on the "discipline" of investment or use their own money to pay the bills? This is where MFs clearly outshines ULIPs in addition to giving better returns and also giving the flexibility to tweak the SIP amount as per your income source and financial condition. Not being able to withdraw or use your own money is not called "discipline", its called stupidity.

[@visfotakvideos5202]

@@halvincarris I get what you you mean brother. On paper you are absolutely correct. But in reality Mutual funds are the first ones to be taken out even in non emergency situations. For example, it would have made more sense for me to take a loan and not touch my Mutual funds while we were looking to buy a new property (the math I did made it very clear). But what did I eventually do? I took money out of my Mutual funds, why? Here's the "dumb" justifications, 1) The rate of return calculation is always an assumption 2) The credit line I didn't use, I might use it in the future 3) I didn't want to take debt when I already had the money etc. As you can see, logically it made more sense to not take money out of Mutual funds, but we are humans and there are always other factors that sway our decisions. I also had a ulip, which I didn't even consider, you know why and thus the world "discipline" or should I say "forced discipline ". 😛

[@halvincarris]

@@visfotakvideos5202 I understand your point, and even you are using the word 'dumb' for your very own decision (I'm not trying to belittle you btw) but I think this is more of a mental conditioning we've seen in this country where we believe using existing money is better than taking loan - perhaps because loans have traditionally been very expensive. Whatever be the reason, I think financial understanding and education can help here rather than giving away our very own hard earned money in the name of charges/commissions to these greedy insurance companies who are quite literally just stealing away the returns. That's why I am advocating mutual funds because a mere 1-2% difference is phenomenal in the long run (like 20-30 years). I even suggest that people should always figure out their emergency needs before investments like setting up 6-8 months of money in FD etc. But you have to agree to the point that life these days is extremely uncertain and in genuine emergencies it's important that we at least have access to our money instead of running pillar to post to get a ULIP liquidated which btw is still dependent on the mercy of the insurance company.

[@ravindrab100]

I have Decided to help people people and their money..forget earning..I have a resource...but want to help people earn. All my questions are answered in your video. Thank you

[@BhumikaOfficial2013]

kzbin.info/www/bejne/mabUl4Wvrpaoibc आखिरी तक देखे ज्यादा से ज्यादा शेयर करे और खुद भी बचे धन्यवाद

[@maheshmuthe99]

Hello Sir, How do you rate ICICI GUARANTEED WEALTH PROTECTOR. Is this a good option

[@sanjayratnani644]

Good explaination, thanks

[@milesmore6397]

Simple and clear cut information Thanks asset yogi. Please suggest a best investment plan for a 25 year old person

[@parthshah2064]

@Assetyogi, if we take ULIP then what is the validity for insurance plan? Will it be till plan active or 85 years?

[@RAVIKUMAR-dy2ft]

Aap bahut achha explain karte hai sir ji, thank you

[@AssetYogi]

Keep learning Ravi

[@deepak_s24ultra]

Aap ki sari video help full hoti hai Thank you for this video

[@AssetYogi]

Thanks for appreciating Deepak

[@dattatraybongirwar7675]

Sir aapka sugetion ekdam sahi hai thanks

[@parthapratim004]

Thank you for your video.

[@DevRaviEntertainments]

Cleared all my Confusions.

[@TeAmu]

Very well explained Thank you so much sir for ur precious time

[@Insaniyat_2793]

Great video sir.. Sir if some one is having no knowlede about equity market (my sister), can not track them and has low risk appetite then what is best suitable option for her to save tax under 80c . Is ulip suitable for her or some other option like ppf etc...?? Thanku

[@umeshkumarsahani1981]

Sir, I bought Bajaj Allianz future gain unit linked endowment insurance plan for better return for 10 years, please suggest it is good or not, or you make a video for better clarity.

[@mayank6990]

sir bahut ache se describe kiya. Thank you

[@AssetYogi]

Keep learning

[@prabhanjana8568]

Wow great information sir. Thank you very much

[@AssetYogi]

Hope it's helpful

[@pratikparab5365]

Sir , We can also make combi plan of ulip and term plan instead of MF and term plan In ulip plan for longer term give us healthy return's and special all returns are tax free under section 10(10D).

[@navneet2649]

But sir explained in the video that even post tax mutual fund will give 12-13% returns whereas ulip with tax benefits will ultimately give around 10% returns! So even after including tax benefits, ulip is useless!

[@rahulprasad8009]

@@navneet2649 Assume you invested (long term) and got 1Cr maturity amount then in MF the tax will be approx 10L and in ulip it is 0

[@RohitSharma-fe2bl]

Correct

[@AshishNeog]

I think one of the best KZbin channel in terms of gaining knowledge in Financial world....Thank you much sir for uploading these videos.....

[@AssetYogi]

Keep supporting 😊

[@sudhanshukarjee6084]

🙏 car loan disbursement at outstation process of public sector bank and private bank. Would like to enhance knowledge with your suggestion.

[@wetsokronu6428]

thank you ... I was very confused before ..

[@AssetYogi]

Hope it's helpful :)

[@naveenahuja1232]

Thank u sir very very gud suggestion🙏🙏⚘️⚘️

[@RISHIKUMARmann]

Sir thoda hdfc click to wealth with premium weiver option k saath accha hai kya

[@umeshchandrasati]

Simple, clear, concise, to the point, with example... As always. Wonderful.... Keep rocking

[@AssetYogi]

Thanks Umesh! Hope this is useful :)

[@umeshchandrasati]

@@AssetYogi Yes indeed. In fact today only I tried to educate my boys on not to link their investments and insurance... But difficult to convince the heart....lol When I asked them why don't they expect a return on their bike insurance? Their simple answer was -"because the rules are such"... Lol

[@becharamiddleclass921]

@@AssetYogi Sir I want to know investment options other than 80C. because 80C allows only 1.5 lacs per annum. And i still have 2-3 lacs surplus... Please suggest the best possible options Or any of your video link will be quite helpful

[@3819sameer]

Hi....can u pls do comparison of MF with Edelweiss wealth ultima ULIP solution with exact expense ratios over a period of 20 years. Can u pls share which product wil b more beneficial as, the solution is for childs education.

[@directvlogs5805]

Mind boggling explanation bro....very percisionly described.....tynkz

[@cashubhammehta4476]

Hi, watch our first video - Golden rule of insurance to do correct insurance planning

[@bhaweshjan02]

Like the new format, great work.

[@AssetYogi]

Thank you Bhawesh

[@vvk3524]

Thank you so much sir...very very good video...all confusion are clear.....you taught very well....thanx again

[@mahendrathapa6580]

Vy good information!! But, I will also suggest the pension plan too with ULPP( unit linked pension plan) based... for long term horizon too...!! Vy beneficial as compare mutual fund..! Because, free switching facility in ULPP, and also tax free returns and consistent invested approached which help to reach... my knowledge d... Investors never Consistents invested in MF and never thoughts of Minds and circumstances in requirements..! Pension plan helps to more better.. If you wisely manage.

[@vjdas6]

currently tax free who knows in future need to pay tax

[@rohitmaurya8714]

Apke vedio se mujhe confirm ho gya ki ulip is better

[@ramkisahanloveall3892]

Sir ji I have a unit link plan and I pay primiyam 10 thausend par year. I starting the plane 2006 so I want to know how much I take on machority please suggest thanks.

[@ramjeevanrajput2819]

Very knowledgeable video sir ji...

[@AssetYogi]

Thank you Rajput. Keep supporting Asset Yogi

[@arunavadas9116]

Please make a detailed video on ICICI PRUDENTIAL LIFETIME PLAN

[@digambarpednekar2532]

Definitely this video is very helpful

[@AssetYogi]

Keep learning :)

[@coolchant]

what are your views on bajaj Allianz goal assure and hdfc click2wealth

[@beautyofbaihar8690]

Policy bazaar se call aaya tha wahi ulip k liye accha hua aapki video dekh liya

[@valechakunal3593]

Hello sir I have questions is that in mutual funds the death benefit option is available or not like ulip because in my family my father is taken ulip policy and my father said ulip is best because of death benefit policy option is available in the ulip

[@anilkoli4982]

Sir mai invest karna chahta hu but kaha karu plz batao kya muse ulip ya mutual fund kaha invest karna chahiye , maine term plan liya hai , icici iprotect smart Hdfc click2 invest bhi liya hai Mai or invest karne ki soch raha hu kaha karu plz batao

[@prasee28]

Please throw some light on group annuity fund of Icici prudential

[@JunaidJk-zh6yf]

Best is ULIP + Term Plan.. as per your example you can go with 90k of term plan.. and ulip provides you 12 lacs.. that's all.

[@anandswaroop9761]

lekin bhai ULIP lena hi kyu h

[@shreya26173]

Mukul sir, very comprehensive information

[@AssetYogi]

Thanks Ajay

[@dinutarwadiya2382]

Nice video sir...BT ek topic he sir share market me share buy or sell krneke ke liye konsa application sahi he or easy he understanding ke liyebhi plss ispar bhi ek video banaiye detail me .tnq🙏

[@ravigiri5865]

Sir maine tata ka term with ulp liya liya hai isme 2163 invest bhi ho rahe hai aur fifty lakh ka sum assured bhi hai to ye plan sahi hai abhi 3 month premium 6313 par fund value 4818 kuch bata rahe hai aur wo mortality and allocation charge 850rs something bata rahe hain jo 11 th years return mil jayega to bataye ye sahi rahega

[@HindiOphthalmology]

Sir what happens if I make payment of Rs.1000 on my purchase of Rs.1000 done on 5 Jan on my credit card on: a. 5th Jan or b. 25 Jan, or c. 5 Feb . Billing date 1, Due date 20. Can my money be lost if I pay too early?

[@mohitsahu294]

Thanks really helpful

[@AssetYogi]

Keep learning Mohit 😊

[@ipshitarana7341]

Excellent information sir

[@abhishekbhojak1227]

Best vedio...... cleared all the doubts

[@AssetYogi]

Keep supporting Abhishek :)

[@rakeshkumar-el1tg]

Sar mane 1lakh ki policy ulip plan me kar rkhi he aur 1kist hi jma hui he but me next kist nhi de kar sarender kar rha hu to kya possilble he

[@leenaviie]

Such a brilliant explanation. Thank you.

[@AssetYogi]

You're very welcome!

[@panwardeepak79]

बहुत he acha वीडियो मुकुल जी😊😊🇮🇳🇮🇳👌🏻👌🏻🙏🙏,टर्म प्लान+म्यूच्यूअल फण्ड बेस्ट है,ULIP ठीक ni लगा मुझे🤔🤔🤔🤔

[@VikasSharma-mf6xc]

Hi sir, mere father ko ulip bank manager ne dokhe mein Rakh deyi hai in 2017 Smart future plan air wo regular pe kar rahe hai ulip mein ka changes Kare ki Hume growth aachi mil sake aur meri daughter ka future secure ho sake we have to pay for 10 years how much we will get after 15 years or we should withdraw after 5 years

[@ArifKhan-zz6qd]

Sir agar switching kiya jae to ulip bahut acha benefits de sakta h..

[@manojchy4186]

Great video great information thanks

[@AssetYogi]

Keep watching Manoj

[@redbell7145]

Very good video sir but not satisfied this compare because not big package salary and not file itr so how purchase 1 cr term insurance

[@alpesh729]

How is SBI Life Smart Wealth Builder Plan? Is it a good Investment Option.

[@rayuduraavan8187]

Is there any insurance in India that can offer loan collated to death benefit?

[@ashwanichauhanz3045]

Most worthy and useful video for me ... cleared all doubts ...🙏🙏🙏you are really doing great job sir

[@AssetYogi]

Keep watching

[@rameshg5115]

Thank you very much

[@AssetYogi]

Keep learning Ramesh 😊

[@ruchigupta6520]

Very nice !!!

[@mohammedateequekhan9299]

Hello SiR G U have sufficient knowledge power But I Suggest u that Ulip plans us Good, Some Ulip Policy Very nice,For example i choose 40 time Sum Assured Annual Premium & U can Fund Switch By Online in 5.m under & no difficult understand so Ulip is Very Good Plan Thankyou.

[@dr.vamshikrishna1002]

Hi yogi ji, I am seeing many videos on ulip vs mutual funds purely on investment basis(not caring about insurance benifit), many ulip supporters are saying that, 4th generation ulip plans have much less expenses, when u want to invest for longterm(like 20yrs), they are saying ulips will give better return than MF simply coz, after 5yrs they start to give you loyalty bonuses and return charges on maturity, no tax on final amount So as you made this video 1year back,with these new ulip plans coming, still MF is better strategy than ulip for longterm on investment purpose??

[@ManishSharma-hm2ju]

Sir maxlife shiksha plus me invest Krna chiye ki nhi...?🎉

[@InderjeetSingh-xj6qi]

thanks brother..God bless 🙌

[@AssetYogi]

Always welcome

[@SachinKumar-ck4tt]

Sir, I had taken a policy Bajaj Allianz Futures gain. But till date, I have never been in that profit from last 2 years, the amount of policy is less than the premium amount. And now that is 15 thousand less to the premium amount. What should I do with this policy? Any Suggestion for me????

[@balaramasma]

Sir what will i do i have no knowledge about share market or mutual funds

[@MDJavid-vz7fh]

Superb explanation, thanks for educating us, keep it up!

[@AssetYogi]

Thanks

[@sanjayrajrana4224]

Hello sir what about tata sampoorna raksha param rakshak, is it worth buying as it's giving 2cr term insurance in 10k per month Plus investment, can I invest in it for future?

[@technosmartddasgs2549]

VALUABLE INFORMATION 👌 👌

[@sushantkunkekar2155]

Hdfc click 2 protect

[@vijaylalwani123]

Sir two wheeler insurance par video banaye! 1st party?3rd party? comprehensive? 0 depth insurance? Bahut confusion hai sir.

[@amiteshtiwari2269]

Nice video all knowledge of life insurance in one video....

[@AssetYogi]

Keep learning.

[@satishchandra4261]

Very good explanation love it. I should have seen this before taking bajaj allianz goal assure plan. I feel that I made a mistake in taking the ulip plan.

[@knowledgeys6652]

@satish chandra. What happened? I m suppose to buy this plan

[@rohitgoyal3910]

Sir,10000 ma term policy 1cr kaunsi company data ha suggest me my age is 26

[@soumyaprakashpanda6158]

Very very informative

[@skyadavk44]

Lekin sir term plan to itr file krne wala aur salaried person le skta h Lekin aaj bhi aadhe se jyada log is category me nhi h to wo kya kre

[@mohdkasif3591]

SIR ...aap 30 lac ka trem plan le skte h bina itr k bhi

[@rajangautam3577]

3L ki sallery walo ko 25 Lakh ka term plan mil jata hai , saral jeevan bima max life insurance

[@jitarth_k36]

Aap term plus ulip ka hybrid plan le sakte hai bina income proof

[@arijeetdas1379]

Sir Accounting Principles se related video upload kijiye please

[@durgarao7630]

Hi, I am 28, I have a term plan of 75lac SA. Please suggest me best investment product to invest monthly around 10-12k

[@jayeshkadam8653]

Best knowledge sir thanks

[@AssetYogi]

Most welcome

[@AmanRaj-lo9ux]

Sir tata ka aia new plan aaya hai na Smart Sampoorna Raksha kuch iska batye na sir

[@prishaom4267]

hello sir main 145000 hdfc life pro growth plus mein yearly invest kar raha hoon , 4 yrs complete hua hai abhi aur balance abhi no profit no loss hai jo ki pehle loss dikha raha tha abhi thik hai , kya karna chahiye continue rakhein yaa stop kar de ????? pls reply

[@krahmanrahman9934]

Hi..sir me sbi ka smart elite plan lia hu 5years dena hai 175000.one (lakh seventy five thausand) total 10 sal ka miturity plan hai.kia ye sahi plan hai kitna mujhe milega??pl bataiye sir apka dhanewad...🙏

[@sandipanchgude3491]

Wow man..what an explanation..all the points covered with every minute detail😀👍

[@AssetYogi]

Thanks for appreciation Sandeep :)

[@sandipanchgude3491]

@@AssetYogiplease don't thanks me.. thanks to you sir for such valuable content👍

[@marutirout335]

Very beautiful information 🙏❤️

[@AssetYogi]

So nice of you

[@AgentDVR]

Sir, 1 esi video banaiye jisme pata chale ki 10 yr me itna pay kiya or 15 saal me jo mila to wo kitne % return aaya

[@saritatiwari3881]

sir hmane ulip ka plan liya tha kaya hame switch kar dena chahiye

[@onimaahurria6880]

Sir agar ULIP ka NFO aata h, aur hum usme lump sum invest kar de One Time, to usme se kuch part insurance k liye jaega, aur baki market me lag jaega?? To wo hum market me sell nahi kar sakte kuch dim baad?? Wo block ho jaega? Jaise abhi TATA AIA ka NFO aya hua h.

[@sumantapagal5032]

Is it safe to invest in NPS Please make a video regarding nps and its calculation

[@rahulshetwal]

Good knowledge

[@subhankarguin5377]

Dear Yogi, I have a ulip plan in ICICI Prudential which I had taken from ICICI Bank and it's running 5years,can I switch the funds in another investment funds.

[@souveekroy4514]

how is the performance?

[@sahilagnihotri5128]

@@souveekroy4514 worst

[@souveekroy4514]

@@sahilagnihotri5128 mujhe to bahla fusla kar karwa diya 2 saal ka paisa v de chuka hu ab kya karu

[@sahilagnihotri5128]

@@souveekroy4514 talk to your relationship manager and ask him equity debt mein kitna kitna hai And always pay monthly not annually Iam sure they will help you

[@souveekroy4514]

@@sahilagnihotri5128 maine ICICI ka ulip liya h name h pru life time classic apka kaun sa h?

[@ashutoshpandey8149]

Maine Aditya Birla ki wealth assure plus plan liya hai, ye ek ulip plan h ...aur allocation 100 percent rakha h equity me....I just want to know ki decision thik hai ki nhi sir

[@Shaileshpore]

Thanks for valuable knowledge. I had invested (since 2009) in Traditional Insurance LIC plan (Jivan Saral) , Shall I keep investing ? or Exit?

[@globalvillage6416]

Please stop and take a term insurance if you don't have any and rest of the money you put on ppf if you don't have time or better idea about investment. Thanks

[@ashish7516]

@@globalvillage6416 but how is ppf better than ulip, I don't think it is.

[@sachinkumar-xi9jq]

@@ashish7516 ulip is better sir

[@bimandey4841]

Sir mera ulip plan liya hu...but 1st years 1.lak & 2years 50.thousand diya aur avhi policy discounts mode mai hai hum primium nehi deparaha hu...sir too mera retun kaisa % me milega pls replai Total 1.50 diya huui

[@manishakhantwal5904]

Kya ap pnb ka MGFP product pr bana denge

[@navneet2649]

Amazing, aag laga de sir! Hats off! 🔥 Great video!