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(ULIF-033-16/12/09-CLAOPPFND-107)
If you had invested ₹10,000 for 10 years you would get ₹17 Lakhs @8%* ₹13.9 Lakhs @4%* +Life Cover Included
18.1%
(BenchMark)
18.4%
(Kotak Classic Opportunities Fund Returns)
(5 year returns as on 29th August 2025)
The Classic Opportunities Fund from Kotak Life is a flexible investment choice that is part of ace investment plans. It is designed to increase the value of your capital over time by strategically investing in a wide range of stocks across market capitalization. This fund is made for policyholders who are willing to take on more risk and want to invest for the long term by seeking to capitalize on market opportunities.
The Kotak Classic Opportunities Fund is designed to help policyholders grow their wealth over the long term. As part of a ULIP (Unit Linked Insurance Plan), the fund not only aims to deliver better than benchmark returns over long term but also provides the added benefit of life insurance cover. It does this by investing primarily in large- and mid-cap company stocks with strong growth potential across various sectors.
(ULIF-033-16/12/09-CLAOPPFND-107)
18.4%
Fund Returns
18.1%
Benchmark Returns
-5.7%
Fund Returns
-5.4%
Benchmark Returns
12.9%
Fund Returns
11.1%
Benchmark Returns
(As on 29th August 2025)
Benchmark Details: Equity - 100% (BSE 200)
Aims to maximize opportunity for you through long-term capital growth, by holding a significant portion in a diversified and flexible mix of large / medium sized company equities
In this policy, the investment risk in investment portfolio is borne by the policyholder
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 or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
Choosing an investment fund means looking beyond its objective to understand the tangible advantages it offers. The Classic Opportunities Fund is structured to provide several key benefits to a long-term investor. Here is a closer look at what sets it apart.
The fund primarily invests in equities, or stocks. This aggressive allocation is on purpose. Stocks are riskier than other types of investments, but they also have the best chance of making a lot of money over time. The fund's goal is to use the power of compounding to make big returns and speed up your journey to building wealth by focusing on stocks.
The fund is focused on growth, thereby the portfolio is strategically spread out across different parts of the economy, like healthcare, technology, banking, and consumer goods. This diversification is a key way to manage risk. It protects the fund from a drop in any one sector, which makes growth more stable.
A group of experienced financial experts actively manages the Classic Opportunities Fund. Their job is to constantly study the market, look at companies, and choose stocks that have a good chance of growing. This active management means that experts are looking for the best investment opportunities for you and dealing with the ups and downs of the market.
The Kotak Classic Opportunities Fund has consistently delivered strong long-term returns since its inception in 2009. With an average annualised return of over 13% across 10+ years, the fund has demonstrated resilience through various market cycles. Its focus on quality large- and mid-cap stocks has helped create sustained wealth for policyholders investing via Kotak ULIP plans. This track record makes it a preferred choice for long-term investors seeking growth with the added benefit of life cover.
The way the fund is set up makes it a great way to reach long-term financial goals. This fund's growth-oriented approach is meant to help you reach your goals, whether they are to build a retirement fund, save for your child's college education, or just make a lot of money over the next 15 to 20 years. This potential, along with the security of a life insurance policy, makes it a great way to protect and grow your family's future.
Every type of investment is made with a certain type of investor in mind. The Classic Opportunities Fund is not a one-size-fits-all solution; it is made for people with a different set of financial goals and levels of risk tolerance. If you fit into one of the following categories, this fund is a great choice for you.
This fund is perfect for you if you want to grow your money through investing in equities over the next 10 years or more within a Unit Linked Insurance Plan (ULIP). This is best suited for investors who understand that the markets are volatile and are focused on the end goal of making significant money.
The Classic Opportunities Fund is part of a ULIP plan, which gives you the best of both worlds: life insurance and investment. This fund is great for people who want to grow their wealth while also getting life insurance for their loved ones. It provides an easier way to keep track of both your investment goals and your family's financial security in one plan.
This is a great option if you are looking to save your money on taxes. Under Section 80C of the Income Tax Act, you can deduct up to ₹1.5 lakh from your taxes for the premiums you pay on the ULIP. Also, according to the income tax act, the maturity proceeds may also be tax-free under Section 10(10D), but only if certain conditions are met.
The main goal of this fund is to grow, which means it is exposed to market risk. Therefore, this fund is best for people who are willing to take some moderate risks. You should be comfortable with the stock market's natural ups and downs and know that the value of your investment can change. This fund is for you if you are willing to accept this level of risk in exchange for the chance to accumulate wealth over the long term.
It is an equity based fund scheme that can be used as part of their ULIP Plans. It aims at the long-term capital appreciation through an investing strategy of a diversified portfolio of stocks.
The fund holds quite large equity and equity related instrument exposure which in most cases is between 75-100 percent. This aggressive approach tries to maximize the long term expansion capability.
This fund is managed by a team of professional fund managers supported by research analysts at Kotak Life Insurance. It is the work of these professionals to undertake research about the market and do a strategic selection of stocks to construct the portfolio of the fund.
The Classic Opportunities Fund is one with competitive long term performance. For the most current and detailed performance figures, you should always refer to the fund's latest monthly fact sheet.
Although the portfolio can change, by default, it tends to invest in high-growth areas. The common enterprises include banking and financial services, information technology enterprises, healthcare and the consumer goods enterprises. The capital is distributed depending on the identifiable market opportunities by the fund manager.
This fund suits an investor having a long term investment horizon (10+ years) and moderately aggressive risk-taking ability. It is most suitable in those cases where one wishes to accumulate wealth by participating in an equity market and also enjoy life insurance cover.
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Classic Opportunities Fund (ULIF-033-16/12/09-CLAOPPFND-107) Aims to maximize opportunity for you through long-term capital growth, by holding a significant portion in a diversified and flexible mix of large / medium sized company equities.
Kotak e-Invest Plus; UIN - 107L137V02. This is a non-participating unit-linked life insurance individual savings product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
Kotak T.U.L.I.P UIN: 107L131V03; Kotak Accidental Death Protection Rider (Linked) UIN:107A021V02, Kotak Critical Illness Benefit Rider (Linked) UIN:107A022V02. This is a non-participating unit linked life insurance individual savings product. This product is available for sale through online mode. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. For more details on riders please read the Rider Brochure.
Kotak Mahindra Life Insurance Company Limited. Regn. No.:107, CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai- 400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 |Toll Free No. – 1800 209 8800 | Ref. No.: KLI/25-26/E-WEB/1324.
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