{"id":40003,"date":"2019-02-14T14:59:09","date_gmt":"2019-02-14T09:29:09","guid":{"rendered":"https:\/\/www.newsilike.in\/?p=40003"},"modified":"2019-06-06T12:30:03","modified_gmt":"2019-06-06T07:00:03","slug":"5-tips-to-ensure-that-your-investment-delivers-higher-returns","status":"publish","type":"post","link":"https:\/\/www.newsilike.in\/5-tips-to-ensure-that-your-investment-delivers-higher-returns\/","title":{"rendered":"5 Tips to Ensure That Your Investment Delivers Higher Returns"},"content":{"rendered":"\n
\"investment\"<\/figure>\n\n\n\n

ULIPs are some of the best\ninvestment plans that you could use to invest your money on. Even if you\ndecide to start off with a small sum, you will be assisted by a fund manager\nwho will help manage all your money and also advice you on which bond or stock\nyou should invest in. However, you should also be involved with your financials\nand investments and try out strategies that will help you in getting good\nreturns. <\/p>\n\n\n\n

A ULIP Plan<\/a><\/strong> is considered to be one of the most-effective ways to enter into the equity market and make good returns in the long term. In simple terms, ULIPs are life insurance plans that come with an additional benefit of also investing in capital market. You could choose from a wide variety of different insurance companies to invest part of your premium in some of the best investment plans with high returns<\/a><\/strong>. Here are 5 tips to ensure that your investment delivers higher returns. <\/p>\n\n\n\n

1. Optimizing Asset Allocation<\/h2>\n\n\n\n

Asset Allocation simply means to expand your investments across\ndifferent asset classes. Correctly doing this could help determine your risk to\nreturn ratio. Hence, optimizing your asset allocations in different asset classes\nwill save you from big losses that you could suffer when you invest in a single\nasset class. When you go in for a ULIP investment plan, you are allowed to\nswitch between different asset categories like cash, equity and debt, depending\non the risk you\u2019re willing to take and your financial goals.<\/p>\n\n\n\n

2. Selecting Between Debt and Equity Funds<\/h2>\n\n\n\n

Each type of investment comes with their own set of risk and returns.\nEquity funds are known for their high risk and high returns, while debt funds\ncome with lower returns and lower risk over a long-term. Debt funds will make\nyour investment less risky and solid \u2013 a balance of both these are called\nBalanced Funds. ULIPs generally come with about 40% exposure, hence making them\na safer option. <\/p>\n\n\n\n

3. Life Stage Requirement <\/h2>\n\n\n\n

Your financial goals play a very important part in defining the risk you\nare able to take. Let\u2019s say for example, your kid\u2019s education needs would\nrequire proper long-term planning. For such a situation, equities cover early\nto mid-tenure of your ULIP investments, so it is safer to save the money you\u2019ve\nmade by switching to a debt fund when it\u2019s time for your kid to pursue higher\nstudies. You can use the saved money to pay your child\u2019s admission fees. <\/p>\n\n\n\n

4. Keep Up with Premiums regularly<\/h2>\n\n\n\n

ULIP plans come with few charges that would be deducted only at the beginning\nwhen your plan is activated. These include charges like policy administration\ncharge, fund management charge, surrender charge, mortality charge, etc.\nSometimes these charges would also be paid back to you as a loyalty. The 5-year\nlock-in period of ULIPs help with being discipline with your savings which then\ncan also be used for other investments as well to generate good returns on your\ninvestments in the long run. <\/p>\n\n\n\n

5. Stay Up-to-date with the Market<\/h2>\n\n\n\n

With a ULIP investment plan, the beneficiary of your policy would get\neither the fund value or the sum-assured, whichever one is higher at the time\nof claim due to unfortunate circumstances like death. Secondly, you are paid\nthe value of the fund in the event of maturity of your policy. Staying\nup-to-date with market conditions will ensure that your benefactor will receive\nhigher fund value benefits just because you were regularly monitoring your\nfunds throughout. <\/p>\n\n\n\n

Other Important Tips to Consider<\/h2>\n\n\n\n

Purchase Direct Plans<\/h3>\n\n\n\n

Instead of giving a brokerage amount to an agent or broker, you could\npurchase funds directly. You can easily purchase any type of investment plan by\nvisiting the Bajaj Allianz Life website too. There are many different online\ninvestment companies that offer you free advice and assistance if you wish to\npurchase a plan online. <\/p>\n\n\n\n

Opt for SIP<\/h3>\n\n\n\n

Opting for Systematic Investment Plan<\/a><\/strong> or SIP is another best investment strategy that helps an investor to be disciplined when it comes to paying premiums. Because of the rupee-cost averaging that comes with SIP investment plans, you do not have to keep a track on market conditions. It also helps get better benefits through compounding too. You can even invest a small amount as Rs. 500 on a monthly basis, which makes SIP investment plans one of the most attractive ways for investors. <\/p>\n\n\n\n

Age-wise Asset Class Investing<\/h3>\n\n\n\n

Try and make your investments in debt or equity funds as per your age.\nSo, take your current age and minus it from 100 and then invest the same percentage\nin equity funds. If you do not mind taking a little more risk, you could\nincrease your equity to a higher level. <\/p>\n\n\n\n

ULIPs are excellent when it comes to investments. They\noffer you a number of investment strategies to help increase your returns over\na long-term basis. There are also other types of investment strategies that can\nprove to be quite helpful. However, each type of strategy and plan would always\ndepend on the investor\u2019s financial capability and risk appetite. Although most\nplans offer you an advisor\u2019s help and guidance, it\u2019s also necessary to be\nproactive and keep a tab on your investments as well.<\/p>\n","protected":false},"excerpt":{"rendered":"

ULIPs are some of the best investment plans that you could use to invest your money on. Even if you decide to start off with a small sum, you will be assisted by a fund manager who will help manage all your money and also advice you on which bond or stock you should invest…<\/p>\n Read More<\/span> 5 Tips to Ensure That Your Investment Delivers Higher Returns<\/span><\/a>","protected":false},"author":2,"featured_media":40005,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"Layout":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[5220],"tags":[],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/www.newsilike.in\/wp-content\/uploads\/investment.jpg","_links":{"self":[{"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/posts\/40003"}],"collection":[{"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/comments?post=40003"}],"version-history":[{"count":0,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/posts\/40003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/media\/40005"}],"wp:attachment":[{"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/media?parent=40003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/categories?post=40003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsilike.in\/wp-json\/wp\/v2\/tags?post=40003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}