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

    Why monthly investments in ULIPs make sense?

    Monthly Investment Planning With ULIPs From Bajaj Allianz Life

    Why monthly investments in ULIPs make sense?


    calender-blue

    Sept 27, 2018

    By : Bajaj Allianz Life

    The daily ups and downs in the stock markets can be incredibly unnerving for a retail customer and can dissuade them from investing in the markets.

    On March 1 this year, the Bombay Stock Exchange (BSE) Sensex closed at 34,047. Within five trading sessions, it had lost 739 points to reach at 33,307 on March 9. Such fluctuations can scare small investors from the equity markets, whose main priority is the safety of their investment. However, investment in equities provide healthy returns on your money.

    Instead of being disillusioned by the ups and downs of the stock market, the solution is to leverage through Unit Linked Insurance Plans (ULIPs), which invest in market-linked instruments such as stocks and bonds. The value of each unit depends on daily price movement of the stocks and bonds in which it invests.

    Here's how monthly investments in ULIPs can enable you to reduce market volatility:

    1. Get The Discipline Advantage

    One way of blunting the impact of market volatility is systematic investing. Invest a specific amount every month on a fixed date, no matter whether the market is going up or down. This strategy works well by ensuring that you get more units of ULIP when the equity markets are down resulting in lower per unit cost, and vice versa.

    Let's assume you invest ` 5,000 on the 10th of every month. In one particular month, you purchased 50 units at the cost of ` 100 per unit. However, due to negative sentiments, most stocks in the ULIP portfolio saw a decline in prices over the next month. This resulted in a drop in per unit cost of ULIP to ` 90 on the 10th of the next month. So, by investing the same amount of ` 5,000, you acquire 55.56 units in that month. Over the extended period investing regularly on a fixed date averages out any losses due to market volatility. This approach uses the principals of Rupee Cost Averaging, in which you invest a fixed amount at regular intervals.

    2. Easy On Monthly Budget

    ULIPs offer monthly, quarterly, half-yearly and annual investment options. However, it is easier investing, say ` 10,000 every month, than investing ` 30,000 (quarterly), ` 60,000 (half-yearly) or ` 1.2 lakh (annually) at one go.

    Monthly investment is not only easy on the pocket, it is also a better way of benefitting from the market volatility. The higher the frequency of investment, the lower the volatility risk.

    3. Switch To Maximize The Gains

    Monthly investments also allow you to take advantage of the switching option. This option basically allows you to move your finances from one fund to another within the same plan. What this means is that you can move units (fully or partially) between the fund options of equity, debt and balanced. For instance, the market is dramatically fluctuating and you are uncomfortable that your gains may be eroded. This is then a perfect situation to switch from equity to debt fund option to optimize the returns. Switches can be made based on market conditions, individual asset allocation profile and term to maturity of policy.

    There are many ULIPs out there that allow you to make unlimited free switches. Investing monthly allows you to track your investments regularly and to make that switch as and when required.

    4. Meeting Life Goals

    This form of investment will also help you in achieving your life goals. Let's say you dream about travelling to Paris. All you have to do is decide on the amount you need to make the Paris trip a reality, then define a timeframe and a financial expert will help you decide on the appropriate ULIP to help you achieve this. With disciplined monthly investments, your life goals will be closer than you realize.

    As per the Association of Mutual Funds in India (AMFI) data, only 32% of equity assets stay invested over two years. You can get better results by staying invested over a longer period and protect yourself from market volatility. So, ULIPs with their extended lock-in period are one of your ideal investment vehicles in equity markets to help achieve your long-term goals.

    So, if you are in a dilemma over the frequency of your investment in ULIPs, you now know there are enough reasons to go for the monthly option.

    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)