Investment Calculator

An online ULIP calculator saves you a lot of time, making it easier and flexible to access at any time. The ULIP calculator is more profitable with its easily available tools for online purchases, along with making a quick comparison.

You’ll find two different ways to check your ULIP returns:

• Absolute returns: This is the percentage increase in the total value of the ULIP. The total value is measured once expenses like operating fees and management charges are deducted.

Absolute returns = [(Current value - Value at the time of purchase)/Value at the time of purchase] x 100

• CAGR (Compound Annual Growth Rate): The CAGR method helps in evaluating the annual growth of your investment during a specific period. This, in turn, assist you to determine the rate of return you can receive from your plan year after year.

CAGR = {[(Current value/Value at the time of purchase) ^ (1/number of years)]-1} x 100

ULIP is a long-term investment game. You can exit from ULIP after 5 years; though, it is not advisable even after lock-in period ends. To gain the benefits, you should continue and stay invested for a long period of 15-20 years. If you think that the funds are not performing well, you can switch your funds. You can always cross-examine the returns with the aid of an ULIP maturity amount calculator.

Financial experts’ advice, that you should stay invested in the ULIP policy for at least 10 years, and reap an annual return of 10-12%, even if your ULIP plan is an average one. This makes ULIPs an ideal investment when it comes to long-term investing. When you invest for a longer tenure like 10 years, any short-term market losses can be absorbed by this policy. This eventually, brings and produces higher returns in the long run which you can examine via a ULIP return calculator.

You can choose to pay either for a limited period or regularly. For the Limited Pay option, the premium payment term is limited to 5, 7, and 10 years. For the Regular Pay option, the premium payment term is the same as the policy term. In addition, for the Whole Life option, you can only choose to pay for a limited period of 7, 10, and 15 years.

ULIP Net Asset Value (NAV) is calculated by adding up the total ULIP fund holdings on a particular date or else on all the passable expenses (operating cost, management fees, marketing, and other charges and expenses). The net amount will be divided by the number of units held in the ULIP plan to arrive at a net asset value (NAV) per unit.