Life Goals Loading…

    4

    Notifications4

    • Get Life Cover worth Rs.1 Crore at Rs.18 per day2 – Bajaj Allianz Life Smart Protect Goal

      PLAN NOW
    • Fulfill your Life Goals with Bajaj Allianz Life Goal Assure

      PLAN NOW
    • Life Insurance Term Plan with Return Of Premium

      WATCH NOW
    • Get your Life Goals Done with Bajaj Allianz Life Smart Assist – BINA MILEY MIL-KAR

      KNOW MORE

    Looking for a Term Plan?

    Get Exclusive Discount on online purchase^

    Have us call you

    Please enter a Name
    Please enter a Mobile No.

    ^3% Discount is available for regular premium and limited premium payment frequency under all variants of Bajaj Allianz Life Smart Protect Goal A Non Linked, Non-Participating Pure Life Term Insurance Plan.

    Please select a option
    Please select a option

    Thanks for sharing your details, A Sales representative from
    Bajaj Allianz Life will contact you shortly.

    Dear Customer, we request you to connect with us in our next business working hours, (Monday to Saturday 24*6) Thank you, Have a great day ahead

    Have Us Call You

    Get your Life Goals Done

    Have us call you

    Please enter a Name
    Please enter a Mobile No.
    Please select a option

    5 Reasons To Make Monthly ULIP Investments

    Know why you should make monthly ULIP investments

    5 Reasons To Make Monthly ULIP Investments


    calender-blue

    June 12, 2019

    By : Bajaj Allianz Life

    Many investors choose to invest for their life goals in the stock markets because of the potential high-risk high-reward proposition that equities offer. While some invest a lump sum amount to optimize their returns from the burgeoning equity markets, it is prudent to spread their investments across the year by making systematic investment each month. This can enable them to tide over the ups and downs in the stock markets.

    One way of tiding through the market volatility is through Unit Linked Insurance Plans (ULIP). ULIPs invest in market-linked instruments such as stocks and bonds, thus enabling an investor to build a corpus for their life goals. In ULIPs, the value of each unit is determined by the daily price movement of the stocks and bonds in which it invests.

    Let's understand how monthly investments in ULIPs can enable you to reduce market volatility and create a stable portfolio:

    The power of compounding

    Compounding is a powerful concept. It resembles a multiplier effect as the interest earned on the initial capital further earns interest. This is a long-term investment strategy that combines your principal with the re-invested income to help your investment grow. The key to take advantage of this concept is to invest early and wisely for higher wealth accumulation. The investor can enjoy the benefits of the power of compounding through month-on-month investments in a ULIP plan that gives time for the funds to compound due to its long-term orientation.

    The advantage of rupee cost averaging

    The concept of rupee cost averaging is the averaging out of cost with investments of a fixed amount at regular intervals. This enables the investor to buy more units when prices are low and fewer units when prices increase. With this method in place, the investment risk is spread across market movements. For example, if the individual invests ` 5,000 each month, he or she could obtain 50 units at the cost of ` 100 for each unit. Due to negative market sentiments and a decline in prices in the next month, the individual could acquire 55.56 units at the cost of ` 90. In the long-term, regular investments on fixed dates average out losses due to market volatility and ensure the individual is able to maintain a stable portfolio. With regular investments in equity funds, ULIPs can help a retail investor gain from equity markets - irrespective of whether the market condition is bearish or bullish.

    Benefitting from monthly investments

    A ULIP plan provides an investor the option to invest a sum each month, as little as ` 5,000, as opposed to quarterly, half-yearly or annual investments. Investing a small amount every month is easy on the pockets, and a better method to navigate market volatility. With the higher frequency of investments, the investors can benefit from lower volatility risks. An investor can use a ULIP return calculator to understand his or her maturity benefit from these monthly investments.

    Maximising gains through fund switching options

    ULIP offers investors the flexibility to switch between different funds available. Through this benefit, an investor can move their investments fully or partially from one fund to another within the same ULIP plan. This strategy helps the investor's funds against market fluctuations and enables him or her to optimize returns. The switches can be made on the basis of market conditions, term to maturity, and individual asset allocation & risk profile. Monthly investments also allow the investor to track ULIP investments on a regular basis and switch when required. Today, many ULIPs provide unlimited free switches.

    Meeting life goals

    The month-on-month investment strategy enables the investor to build an inflation-adjusted corpus over the long term by tiding over market volatility. With systematic monthly investments, your life goals will be closer than you realize. At the end of the policy term, investors get a maturity benefit which helps them achieve the life goals towards which they invested.

    With a ULIP plan, the investor can realise his or her life goals through systematic investments and defined time-frame. The power of compounding concept, rupee cost averaging principle, fund switching option, and disciplined investments work together to enhance the chances of healthy returns and take him or her a step closer to fulfilling financial goals.

    Bajaj Allianz Life Videos

    Video Icon

    Smart Protect Goal | Pay For 5 Years, Get Term Insurance Coverage For Life | Bajaj Allianz Life

    Video Icon

    Happy Independence Day 2020 | #IndiaSolveKarteJaa | Bajaj Allianz Life

    Video Icon

    Flexi Income Goal – Variants, Features, Benefits Explained

    Video Icon

    Why Choose Bajaj Allianz Life To Help Get Your #LifeGoalsDone?

    Video Icon

    #DostiWithDad - Happy Father's Day | Bajaj Allianz Life | Life Goals Done

    Video Icon

    Covid-19 Survivor Story | Bajaj Allianz Life Smart Protect Goal | Bajaj Allianz Life

    Video Icon

    Lage Raho India - Keep getting your #LifeGoalsDone

    Video Icon

    Don’t Let COVID-19 Lockdown Get in The Way of Your #LifeGoals

    Video Icon

    Coronavirus (COVID-19) Advisory Video #DooriHaiZaroori

    Video Icon

    Coronavirus COVID-19 impact on markets - CIO Commentary | #KeepCalmStayInvested

    Video Icon

    Bajaj Allianz Life Leadership Team | #PlankForIndia

    Our MD & CEO, Tarun Chugh launches #PlankForIndia campaign and planks with Sanjiv Bajaj MD & CEO, Bajaj Finserv and Chairman Bajaj Allianz Life & the rest of the group leadership team.

    Video Icon

    #PlankForIndia | Bajaj Allianz Life

    Bajaj Allianz Life will contribute to the training and development of India's future sports stars. Come together to Plank for Good Health, PlankforIndia.

    Video Icon

    #PehlaDinPehlaResolution

    #PehlaDinPehlaResolution | Happy New Year | Smart Protect Goal | Bajaj Allianz Life

    Video Icon

    Bajaj Allianz Life Goal Assure

    Bajaj Allianz Life Goal Assure - A ULIP Investment Plan To Achieve Life Goals

    Video Icon

    Valentine's Day

    Valentine's Day

    Video Icon

    Bajaj Allianz Health Care Goal

    A Comprehensive Health Insurance Plan with Critical Illness Cover | Bajaj Allianz Life Health Care Goal

    Video Icon

    #36SecPlankChallenge video

    Promote Healthy Living for a Better Tomorrow with our #36SecPlankChallenge

    Contact Us

    Bajaj Allianz Life Insurance Company Ltd.

    Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

    Tel No: 020-66026773

    Fax No: 020-66026789

    Branch Visit Timings:

    Weekdays - 9:00 AM to 3:30 PM

    Customer Care Helpline:

    1800-209-7272

    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    For NRI: +91 20 67871700 (Call charges apply)

    Monday to Saturday 9.00 AM to 7.00 PM (IST)

    Sales Enquiry Helpline:

    1800-209-4040

    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    For NRI: +91 20 67688888 (Call charges apply)

    Monday to Saturday: 9:00 AM to 7:00 PM (IST)

    Find Us Online