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    Return Comparison Between ULIPs and Mutual Funds

    Uploaded by

    Mansur Rahman
    This is a sample template for quickly calculating & comparing the returns between Unit Linked Insurance Plans (ULIP) & Mutual Funds. You can enter the different 'charges' that pertain to either as well as additional parameters & thereby decide which scheme to settle on. A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that unlike a pure insurance policy gives investors the benefits of both insurance and investment under a single integrated plan.

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    Return Comparison Between ULIPs and Mutual Funds

    Uploaded by

    Mansur Rahman
    13 views3 pages
    This is a sample template for quickly calculating & comparing the returns between Unit Linked Insurance Plans (ULIP) & Mutual Funds. You can enter the different 'charges' that pertain to either as well as additional parameters & thereby decide which scheme to settle on. A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that unlike a pure insurance policy gives investors the benefits of both insurance and investment under a single integrated plan.

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    Return Comparison between ULIPs and Mutual Funds

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    This is a sample template for quickly calculating & comparing the returns between Unit Linked Insurance Plans (ULIP) & Mutual Funds. You can enter the different 'charges' that pertain to either as well as additional parameters & thereby decide which scheme to settle on. A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that unlike a pure insurance policy gives investors the benefits of both insurance and investment under a single integrated plan.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    13 views3 pages

    Return Comparison Between ULIPs and Mutual Funds

    Uploaded by

    Mansur Rahman
    This is a sample template for quickly calculating & comparing the returns between Unit Linked Insurance Plans (ULIP) & Mutual Funds. You can enter the different 'charges' that pertain to either as well as additional parameters & thereby decide which scheme to settle on. A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that unlike a pure insurance policy gives investors the benefits of both insurance and investment under a single integrated plan.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    of 3

    Expected value of an Investment of Rs.

    50,000 per year for 20 yea


    Expected value of an Investment of Rs. 50,000 per year for 20 yea
    Difference in Returns between ULIPs & MFs for an Investment

    Assumptions for Charges in ULIP


    Annual Return of
    0.1
    Policy Allocation
    0.06
    Policy Allocation
    0.04
    Policy Allocation
    0.02
    Policy
    0.012
    Policy Year
    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    Maturity

    Annual Premium (in Policy Allocation Policy Administration Mortality Charges


    50,000
    3,000
    600
    2,500
    50,000
    2,000
    600
    2,500
    50,000
    2,000
    600
    2,500
    50,000
    2,000
    600
    2,500
    50,000
    2,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    50,000
    1,000
    600
    2,500
    0
    0
    0
    0

    of Rs. 50,000 per year for 20 years in a ULIP


    of Rs. 50,000 per year for 20 years in a Mutual Fund
    ULIPs & MFs for an Investment of Rs. 50,000 per year for 20

    2,857,034
    3,150,125
    293,091

    Assumptions for Charges in Mutual


    Annual Return of
    Policy Allocation
    Policy Allocation
    Policy Allocation
    Policy
    Amount Available for Investment
    43,900
    44,900
    44,900
    44,900
    44,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    45,900
    0

    Value of
    43,900
    93,190
    147,409
    207,050
    272,655
    345,820
    426,302
    514,833
    612,216
    719,338
    837,171
    966,788
    1,109,367
    1,266,204
    1,438,724
    1,628,497
    1,837,246
    2,066,871
    2,319,458
    2,597,304
    2,857,034

    Year
    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    Investment Value

    ptions for Charges in Mutual Fund


    0.1
    NA
    NA
    NA
    NA
    Annual Investment in a
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    50,000
    0

    Value of the
    50,000
    105,000
    165,500
    232,050
    305,255
    385,781
    474,359
    571,794
    678,974
    796,871
    926,558
    1,069,214
    1,226,136
    1,398,749
    1,588,624
    1,797,486
    2,027,235
    2,279,959
    2,557,955
    2,863,750
    3,150,125

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