{"id":255,"date":"2019-08-13T07:19:29","date_gmt":"2019-08-13T07:19:29","guid":{"rendered":"http:\/\/blog.budwisefunds.com\/?p=255"},"modified":"2020-12-07T13:34:16","modified_gmt":"2020-12-07T13:34:16","slug":"ulip-versus-mutual-funds-which-is-more-suitable-for-you","status":"publish","type":"post","link":"https:\/\/budwisefunds.com\/blog\/ulip-versus-mutual-funds-which-is-more-suitable-for-you\/","title":{"rendered":"ULIP versus Mutual Funds ! Which is more suitable for you?"},"content":{"rendered":"\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">ULIP or Unit Linked Insurance Plans are the insurance cum investment products in which a part of the paid premium goes towards investments while the rest goes towards risk coverage.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/bestulipplans.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best ULIP Plans<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> ULIP\u2019s are the perfect blended products which one can resort to for wealth creation along with life cover.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There are four types of funds which are generally offered by insurers i.e. growth, income, balanced and bond funds. One has the option to switch between the funds based on the market conditions.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">On the other hand, mutual funds are the pure investment products which pool money from various investors and then the pooled money is managed by a fund manager who in turn invest it across various asset classes.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> Mutual funds have the potential of creating huge wealth over a period of time. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There are large numbers of funds being managed by various AMC\u2019s. One may choose schemes based on his risk profile, liquidity requirements and time horizon.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> Mutual funds often provide flexibility as individuals can park their idle funds even for just one day.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Now, lets quickly jump into the main part of our discussion i.e, should one go for ULIP\u2019s or Mutual funds. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">For ease I have made a comparison between the two on various parameters which will help you in making an informed decision:<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\"><strong><span style=\"color: black;\">1. RETURNS<\/span><\/strong><\/span><\/p>\r\n<p><span style=\"font-size: 20px; color: #000000;\">The first and the foremost question which an investor usually have in mind is that which instrument will give you better returns? <\/span><\/p>\r\n<p><span style=\"font-size: 20px; color: #000000;\">Different investors have different expectations, some expect to earn a high rate of return by taking high risks and for some safety of capital is the topmost priority. <\/span><\/p>\r\n<p><span style=\"font-size: 20px; color: #000000;\">Both ULIP\u2019s and mutual funds offer various types of schemes to risk-takers and risk averters. However, returns may vary across various schemes across different categories.<\/span><\/p>\r\n<p><span style=\"font-size: 20px; color: #000000;\"> The 10 years average rate of returns in case of aggressive ULIP\u2019s category is 9.57% while in the case of large-cap mutual funds, it is 12.23%. <\/span><\/p>\r\n<p><span style=\"font-size: 20px; color: #000000;\">Hence you may now see that which is the better investment option in respect of returns.<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><img loading=\"lazy\" class=\"wp-image-256 size-full aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-1.jpg\" alt=\"\" width=\"596\" height=\"246\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-1.jpg 596w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-1-300x124.jpg 300w\" sizes=\"(max-width: 596px) 100vw, 596px\" \/><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>SOURCE: &#8211; MORNINGSTAR<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><img loading=\"lazy\" class=\"wp-image-257 size-full aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-2.jpg\" alt=\"\" width=\"595\" height=\"550\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-2.jpg 595w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/table-2-300x277.jpg 300w\" sizes=\"(max-width: 595px) 100vw, 595px\" \/><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>SOURCE: &#8211; MORNINGSTAR<\/strong><\/span><\/p>\r\n<p><span style=\"font-size: 20px;\"><strong>2.COST AND EXPENSE<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There are a number of charges associated with ULIP. These include premium allocation charges, mortality charges, fund management charges, policy administration charges etc.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> In recent years, IRDAI has capped charges (excluding mortality) at 3% for policies with tenure of up to 10 years and thereafter it gets reduced every year and finally came down to 2.25% for those with a term of over 15 years.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Also Read: <a href=\"https:\/\/budwisefunds.com\/blog\/does-mutual-funds-offer-the-scheme-of-my-choice-a-detailed-overview-of-all-schemes-offered-by-mutual-funds\/\" rel=\"bookmark\">Does mutual funds offer the scheme of my choice? A detailed overview of all schemes offered by mutual funds<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">As a result, the cost of ULIP\u2019s has come down considerably. These investment-cum-insurance plans have now become a low-cost investment option. And hence one can think of having exposure to such products as they offer twin benefits.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><img loading=\"lazy\" class=\"wp-image-258 size-full aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/pie1.jpg\" alt=\"\" width=\"555\" height=\"323\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/pie1.jpg 555w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/pie1-300x175.jpg 300w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">However on the other hand, mutual funds have only expense ratio which may vary from as low as 0.10% (in case of liquid funds) to 2.50% at max (in case of equity funds). <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There are no other extra charges as such; all the charges are compensated for in expense ratio. The expense ratio is easily available on the fund house websites. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Also, mutual funds are widely tracked by various independent websites and hence may provide lot information to DIY investors.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: black;\">3. <strong>TAXABILITY<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">With the introduction of LTCG tax on stocks and equity-related mutual funds, the ULIP\u2019s have become the talk of the town. The reason is that the maturity benefits from ULIP are tax-free under section 10(10 D).<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> Even earlier when there was as such no tax on long term gains from stocks and equity-related mutual funds, ULIP\u2019s still had an edge over equity mutual funds.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> The reason being the imposition of tax on STCG (short term capital gain) at 15% if units of equity-related mutual funds were sold within a period of 1 year and in case of ULIP\u2019s, the switches are free and do not come under the ambit of capital gains tax. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Please remember that we can&#8217;t withdraw our money from ULIP before the completion of 5 years from the date of investment. But since ULIPs are insurance products, the gains are tax-free.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> Insurers have started capitalising the opportunity by highlighting that the \u201clong term gains from equity mutual funds will now be taxed at 10%, but still, the income from ULIP\u2019s will be tax-free\u201d. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">But one must not forget the lock-in period in case of ULIP\u2019s which is 5 years while in case of mutual funds (ELSS) the maximum lock in 3 years.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.mutualfundssahihai.com\/en\/mutual-funds-vs-shares-whats-difference\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual Funds Sahi hai<\/a>\u00a0<\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><br \/><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">The tax-free advantage of ULIP\u2019s is not limited to equity funds but is also extended to fixed income space. ULIPs generally have four funds option i.e. equity, balanced, debt and liquid funds.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> So even in case of fixed income space ULIP\u2019s have an edge over debt mutual funds as LTCG from debt funds are taxed at 20% after indexation. But again the gains from ULIPs are tax-free.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 20px; color: #000000;\">4.FLEXIBILITY<\/span><\/strong><\/p>\r\n<p><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">The switching facility in ULIPs provides some sort of flexibility to its investors. The investors can switch between various fund options based on the market conditions without any tax liability. <\/span><\/p>\r\n<p><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Though there is a limit on the number of free switches in a year some insurers provide unlimited free switches. Insurers claims, this makes ULIPs a perfect product where rebalancing can be done efficiently without any tax implication.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">However, one must not forget that one has to make a multi-year commitment while buying ULIP\u2019s as they generally have a maturity ranging from 5 years to 20 years. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Also, the investors are stuck with the same insurer.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">While in case of mutual funds there is no such constraint on the investors to remain with the same fund house as they can easily redeem their investments or can easily switch into other schemes of the same fund house. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">However, every redemption and switching in other funds might bring tax liability as redemption in one fund is considered as booking capital gains and hence one has to pay tax based on the nature of capital gains.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><strong><span style=\"font-size: 15pt; color: black;\">5.TRANSPARENCY<\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Mutual fund portfolios and ULIP\u2019s portfolio are equally transparent and easily accessible. Both are widely tracked by several agencies that allow investors to have a look at the scheme portfolios. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">This might help them in knowing funds allocation to different sectors or even holdings in individual stocks.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">The reason being that, not all charges are taken into consideration while calculating NAV of funds. Some charges are charged directly by cancelling units allotted to investors. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">For example, the NAV of your ULIP fund might have risen by 11% but your corpus would not have grown in the same proportion as it should be because some of your units got cancelled against charges. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">In contrast, mutual funds are fairly transparent on charges as the charges are built into the NAV on a daily basis.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Also Read: <\/span><span style=\"font-size: 24px;\"><a href=\"https:\/\/budwisefunds.com\/blog\/different-types-of-mutual-funds-a-detailed-analysis\/\" rel=\"bookmark\">Different Types Of Mutual Funds \u2013 A Detailed Analysis<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><strong><span style=\"font-size: 15pt; color: black;\">6.LIQUIDITY<\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">One of the important aspect to be kept in mind while making investments is for how long will you be able to stay in a particular investment vehicle. <br \/><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Investors can exit mutual funds anytime subject to exit loads (if any) and can even make partial withdrawals anytime they want but ULIPs don\u2019t offer this freedom to its investors as there is a minimum lock-in period of five-years and partial withdrawals can only be made when this lock-in period gets over.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> Now, there are no surrender charges in ULIP after the completion of five (5) policy years.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Some people argue that having a minimum lock-in period will help investors in creating wealth over a period of time which otherwise would not have been possible as individuals tend to react very quickly if things start moving against their own market predictions and hence may make mistakes by withdrawing their investments. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">As mutual fund investors face no such lock-ins, most tend to withdraw investments within 2-3 years. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Remember, the longer you remain invested, the higher will be your returns and hence more wealth will be created over a period of time.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><strong><span style=\"font-size: 15pt; color: black;\">7.CONVINIENCE AND CHOICE<\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">An investment in mutual funds requires one-time KYC formalities. Once it is done you are good to make investments in any of the schemes offered by various fund houses without any hassles. You can invest online or offline in any mutual fund without any additional paperwork. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">ULIP investors don\u2019t have that luxury. Even after they fill-up the form online and make the payment, the paperwork needs to be completed offline. This may include medical tests and other formalities.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">While ULIP is capable of satisfying the diversified needs of the investors with different risk appetite, mutual funds have a little more to offer. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There are funds where an investor can invest even for a day or two. While there is no such option available with ULIP\u2019s. Hence in terms of offerings and ease mutual takes a clear lead.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.valueresearchonline.com\/stories\/26861\/which-is-better-elss-or-ulip?\">Value Research Online<\/a><\/span><\/strong><\/p>\r\n<h3 style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"><strong>CONCLUSION OF ULIP VERSUS MUTUAL FUND<\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">Throughout the discussion, I have mentioned that the needs of investors differ in many aspects and hence there is no single financial product which will satisfy all the needs of different investors. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">One has to consider various factors like risk appetite, time horizon and taxability while choosing any financial product. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">There is no straightforward answer to the question \u201cShould one go for ULIP\u2019s or mutual funds\u201d \u00a0as it completely depends on the investor&#8217;s needs.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\">So from the entire discussion, I hope you are in a better position to make an informed decision. Any financial decision must be made with proper deliberations in place and not in hastiness.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span class=\"tadv-format-panel\" style=\"font-size: 20px; color: #000000;\"> In case of any doubts, one always has an option to consult an advisor.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><img loading=\"lazy\" id=\"uvmfwimsfy\" class=\"size-medium wp-image-562 aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png 300w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1024x299.png 1024w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-768x224.png 768w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1536x449.png 1536w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-2048x598.png 2048w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1200x350.png 1200w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1980x578.png 1980w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\r\n<p style=\"text-align: justify;\">\u00a0<\/p>\r\n\r\n\r\n","protected":false},"excerpt":{"rendered":"<p>ULIP or Unit Linked Insurance Plans are the insurance cum investment products in which a part of the paid premium goes towards investments while the rest goes towards risk coverage.&hellip; <\/p>\n","protected":false},"author":1,"featured_media":1088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ULIP versus Mutual Funds! 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