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What Is Auto Transfer Portfolio Strategy In A ULIP?

What is auto transfer portfolio strategy in ULIP

What Is Auto Transfer Portfolio Strategy In A ULIP?


Aug 02, 2019

By : Bajaj Allianz Life

Whether your goal is to send your kids to the best management college or to retire on a beach-house in Greece, investing for your life goal is essential. In order to make meaningful returns, it is very important to play slow and steady in the financial markets - especially if you are starting young or are not too familiar with the investing nuances. It is important to remember that investing is a long-term commitment and the objective is to create wealth for successfully achieving your life goals. One of the portfolio management techniques that can help you reach that goal is auto transfer portfolio strategy, which invests your money in a systematic way by automatically transferring your money every month, from low risk fund to fund(s) of your choice. This approach helps you build a substantial corpus with low-risk investments and allows you to gradually shift your risk profile according to market conditions to achieve a better run rate.

Many of the new age ULIP plans invest your money using the Auto Transfer Portfolio Strategy which can help you reach your financial stability by taking the guesswork out of ongoing investments and providing you with the opportunity to grow your portfolio incrementally, over time. This strategy focuses on two basic principles of investment management - accumulating capital for investment and gaining appropriate returns on capital to create enough wealth to finance our long-term goals.

What is the Auto Transfer Portfolio Strategy in a ULIP?

Auto Transfer Portfolio Strategy is a systematic investment approach, where you take a moderate risk to earn desired returns. The way to achieve this is systematic asset diversification. Under this strategy, initially, your premium would be allocated to low-risk bond funds and/or liquid funds of as specified by you. However, at the start of each month, a predetermined proportion of your fund value will be switched to the other funds as specified by you. You can choose between various equity, debt and hybrid ULIP funds according to your risk appetite, wealth creation and life goals. You can opt for strategy when entering the ULIP policy or at any subsequent policy anniversary.

Auto transfer approach provides you with a way that may help improve your ULIP returns while maintaining a steady investment growth. Above all, it is important to remember that investing is a marathon, not a sprint. You need to make sure to take advantage of the market over the long term by methodically allowing you to raise your risk profile while ensuring investment protection. Having the right strategy with the new age ULIP plans can help your portfolio go the distance in realising your dreams.

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.