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Solution of Finance Problem of Reader

Problem

I have read your article, I have a question for you. We talk about 2 types of Investments 1. ULIP and 2. Mutual Funds.

When you talk about ULIP, The maintenance Charges, Morality Charges , Allocation charges come close to 40% of annual Premium Eg. HDFC Pension Plans. Apart from that they charge every year for maintenance.

When you talk about Mutual Funds One time entrance fee of 2.5%, no annual charges.

My question is

1. Is ULIP giving higher returns than Mutual Funds,since close to 30% of our investment goes for maintenance,morality,allocation,annual charges

2. What is the difference between Investing in ULIP's with Insurance plans like LIC Jeevan Tarang,Jeevan anand etc and mutual funds.

Solution

Ans 1.

Dear,  ULIPs is unit link policy and it is insurance product and it covers life risk, so, it is needed more expense for it.

Ans 2. 

a)Mutual Funds are regulated by the SEBI, while ULIPs are regulated by the IRDA.

But, now it is also point of quarrel between  SEBI and IRDA.

b)Mutual Funds are sold by un-tied agents, while ULIPs are sold by tied agents attached to one particular insurer.

Do, you understand about un-tied agents, it means agents are more free to selling any financial product with mutual funds. So, they can charge very low fees. ok
But A tied agent is one which has entered into an agreement with a particular insurance company to sell only that company's products.


c)Mutual funds have stricter transparency requirements than ULIPs.

d)ULIPs are more flexible than MFs, as they allow you to increase your life cover while the premium remains the same; unlike ULIPs, where you have to buy a new policy altogether.

COMMENTS

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Accounting Education: Solution of Finance Problem of Reader
Solution of Finance Problem of Reader
Accounting Education
https://www.svtuition.org/2010/08/solution-of-finance-problem-of-reader.html
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