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In ULIP, the investment risk in the investment portfolio is borne by the policyholder
The ULIP calculator is an online financial tool that helps you estimate the potential returns on unit-linked insurance plans. You simply need to provide your investment amount and the term for which you plan to stay invested in the ULIP plan, the ULIP plan calculator will easily arrive at your expected maturity value, hence helping you make a well-informed decision for securing your financial future. This tool also allows you to compare various ULIPs available, giving you an ...option to choose between regular investments or a one-time investment, thereby making it clear how different options will enable you to achieve your goals. One of the key benefits of using a ULIP calculator is that it can perform a thorough risk analysis that helps you assess the potential returns and benefits according to the present marketplace uncertainties. Whether wealth creation for the long term or insurance, the ULIP returns calculator helps you to make a sound financial decision.Read more
Investment Amount(Monthly)
Investment Tenure(Years)
Interest Rate(P.A.)
Sensex has given 10% return from 2010 - 2020
Existing Investment(optional)
Periodic Investment(optional)
A ULIP calculator is a tool provided by insurance companies or financial institutions to help potential customers estimate the returns and benefits they can expect from investing in a ULIP. A ULIP orUnit Linked Insurance Plan calculatoris a valuable tool that aids in estimating the returns and benefits individuals can expect from investing in a ULIP. It is essential to comprehend the functionalities and advantages of a ULIP calculator, particularly in risk assessment. It offers clarity on investment strategies, and tax planning insights, and aids in setting realistic expectations.
Unit Linked Insurance Plans are one of the popular investment options for individuals who want to invest in equity and debt markets while also securinglife insurance.However, understanding how to calculate ULIP investment returns can be a bit tricky, especially for those who are new to the investment world. Here are the steps to follow to calculate ULIP returns online.
Before you start calculating your ULIP investment returns, you need to gather some essential information. The following are the details you need to have:
The returns on ULIPs are calculated based on the Net Asset Value (NAV) of the fund. The NAV is the value of the assets held by the fund minus its liabilities divided by the total number of units held by the investors.
The calculator will then display the returns generated by the ULIP investment during the chosen period.
AULIP policy return calculatoris a useful tool for policyholders. There are two methods to measure your returns on the sum assured in ULIP:
This is the percentage increase in the total value of the ULIP, calculated after deducting expenses like management fees and operating charges.
Absolute returns = [(Current value - Value at the time of purchase) / Value at the time of purchase] x 100
For instance, if the value of your ULIP at the time of purchase was ₹250/-, and one year later it becomes ₹350/-, in this case, your absolute return is 40% in a year. This method is useful for a plan with a short tenure.
The CAGR method helps evaluate the annual growth of your investment during a specific period. It assists in determining the rate of return received from your plan year on year.
CAGR = {[(Current value / Value at the time of purchase) ^ (1 / number of years)] - 1} x 100
For instance, if the value of your ULIP at the time of purchase was ₹250/-, and after five years its value is ₹ 350/-, in this case, the CAGR is 6.96%.
Alternatively, you can also utilize an online ULIP plan returns calculator to, ease your earnings.
Here is a breakdown of how to use Kotak Life's online ULIP calculator:
Visit the Kotak Life Website: Head to Kotak Life ULIP Calculator.
Choose Your ULIP plan.
Enter the amount you plan to invest regularly (monthly). And choose the desired duration of your ULIP policy (investment period). Adjust the interest rate.
Once you have entered your desired information, click the "Calculate" button. The calculator will provide an estimated maturity value based on your input, representing the total value of your investment at the end of the policy term, including potential growth. Always remember that a ULIP calculator provides an estimate. Actual returns may vary depending on market performance and chosen ULIP plan features. For a more personalized assessment, consider contacting Kotak Life or a financial advisor.
Unit Linked Insurance Plans,popularly known as ULIPs, are a type of investment instrument that combines the features of both insurance and investment. ULIPs are an attractive option for investors as they offer the twin benefits of life insurance coverage and long-term wealth creation.
However, one of the key challenges faced by investors is to choose the right ULIP plan that meets their investment objectives and risk appetite. This is where a ULIP calculator comes in handy. A ULIP calculator is an online tool that helps investors calculate their premium payments and expected returns based on their investment horizon, risk, and financial goals.
ULIPs are a unique product that allows policyholders to invest in a variety of funds while also receiving life insurance coverage. ULIPs can be customized to suit an individual's investment goals and risk appetite. However, before investing in a ULIP, it is essential to understand how the ULIP calculator works.
The ULIP calculator works in the following manner:
ULIP calculator is a powerful tool that helps investors calculate the returns on their investments based on different parameters. Here are some features of the ULIP calculator:
Thebenefits of ULIPplans include the opportunity to grow their wealth while also protecting their loved ones in the event of an unforeseen event. With the introduction of ULIP calculators, it has become easier for investors to determine the potential returns on their investments.
Potential policyholders use a ULIP calculator to calculate the returns on their investments based on their financial goals and risks. The calculator takes into account various factors, such as the policyholder's age, investment horizon, premium amount, fund allocation, and expected rate of return, to provide an estimate of the maturity value of the policy. The following are some reasons why you should use aULIP calculator onlinebefore investing in a ULIP.
ULIPs have gained popularity in recent years as they offer investors the opportunity to earn market-linked returns while also providing life insurance coverage. However, investors must be aware of the charges associated with ULIPs. Here are some of the essential ULIP charges you should know before investing.
ULIP calculator is a powerful tool that can assist investors in making informed decisions when it comes to investing in ULIPs. This tool can help investors determine the amount of premium they need to pay, the expected returns, and the potential risks involved. With a ULIP return calculator, investors can compare various ULIP plans and choose the one that best suits their financial goals and risk appetite.
However, it is important to note that the results provided by the ULIP return calculator are based on certain assumptions and past performance and may not be an accurate representation of the future performance of the ULIP plan.
Therefore, investors should exercise caution and conduct thorough research before investing in ULIPs. Ultimately, the ULIP calculator can be a helpful tool to assist investors in making informed investment decisions, but it should be used in conjunction with other research and analysis tools to make the best investment decision possible.
As one of the most popular insurance providers in the market, Kotak Life offers ULIP plans designed for growth, providing the potential for attractive returns alongside valuable life insurance coverage.
Financial well-being starts with a plan. You can check out more financial tools and calculators to get a head start in your financial journey.
You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant
The calculation is generated on the basis of information provided and does not constitute an offer or solicitation for the purpose of purchase or sale of any product. Further customer is the advised to go through the sales brochure before conducting any sale. ARN No:KLI/24-25/E-WB/639
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year
Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors.
The premiums paid in Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges (along with the possibility of increase in charges), from your Insurance agent or the Intermediary or policy document of the insurer.
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Kotak Mahindra Life Insurance Company Ltd ; Regn. No.:107, CIN : U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai- 400 051. Website: https://www.kotaklife.com, |Whatsapp:9321003007 |Toll free No: 1800 209 8800. https://www.kotaklife.com, |Whatsapp:9321003007 |Toll free No: 1800 209 8800.
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