What is a ULIP and Why Should You Invest in it?

The key considerations for any financial planning should ideally focus on the three main aspects of protection, wealth creation, and wealth accumulation. We often see that these things do not generally go simultaneously and especially in the case of insurances. But thanks to ULIPs (Unit Linked Insurance Plans), investors get the benefits of both insurance and investment under a single integrated plan. A comprehensive term plan should ideally include the safety of an insurance plan backed with the growth potential of various investment options. A host of innovative financial products have been devised on the same lines and let us try to understand this with one of the best ULIP plans in India Edelweiss Tokio Life - Wealth Ultima.

Image credits: edelweisstokio.in

The most convenient way to safeguard and grow your wealth is to investing in a long-term plan on a monthly basis,  setting your goals when do you want to transfer and finally withdraw them. The new-age ULIP from Edelweiss Tokio Life is based on the 3 basic pillars of Systematic Monthly Investment Plan (SMP), Systematic Transfer Plan (STP) and Systematic Withdrawal Plan (SWP). Now let us come to the benefits of this plans:

1) Monthly Investment

It is one of the best ways as investing small amounts on a monthly basis is much simpler than paying larger premiums at once. You can also safeguard your investments from the market fluctuations and reap out the maximum return on investments. To top it all, it is a tax-free investment.

2) Systematic Transfer

It always becomes necessary to systematically transfer your accumulated wealth like the Wealth Ultima which offers you the several options to manage your assets allocation including self-managed strategy. You can choose the options which suit you the best, based on your targets which may be duration or profits based and your risk appetite. Transferring from one asset class to another remains tax-free.

3) Optimized Withdrawal

The most idealistic target for investment should be creating a reliable second source of income after a certain period of time. While it is really difficult for most of us to plan it along with our regular jobs or business,  the third pillar of Wealth Ultima - Systematic Withdrawal Plan explains and implements how your wealth accumulated over the period of time can act your regular source of income. It can also be used as a pension plan and the tax-free withdrawal ensures you a luxurious and smooth retirement.

We all might have different financial targets to achieve like planning for children's higher education, early retirement, and life insurance etc. Considering all the aspects, products like the Wealth Ultima from Edelweiss Tokio Life serves as the comprehensive long term plan which ensures your growth, your family's safety and most importantly, a peace of mind.

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How Edelweiss Guided Portfolios has simplified Investing Online?

With the recent advancements in internet and technology, almost all the sectors have been impacted towards betterment. With the consumers going online, banking and investing have been simplified to the greatest extent. There is more transparency, lesser waiting periods and transactions are happening with a simple click. Yet, when it comes to investing in mutual funds, not everyone is savvy about the related concepts. To address this pain point, Edelweiss.in has launched a simple interface called as Guided Portfolios (GPS), an  algorithm based intelligent system, which designs mutual fund portfolios for investors and guides them towards their financial goals through systematic investments.

Property Investments After Demonetization: Pain or Gain?

While almost everyone in India continues to be affected by the short-term effects of demonetization, Investors have already started brainstorming and planning for the long-term steps which would reap out the maximum benefits. A groundbreaking policy like this is often an important milestone to re-craft the basic underlying fundamentals. So, it serves as an appropriate time for anyone with regards to property ownership, to evaluate their strategies again and rethink over their desired investment portfolio.

Uttar Pradesh tops with the highest investment in PPP projects

Do you know what does PPP stand for? PPP is the public-private partnership, also known as P3 or 3P where any government or private business is funded by a government or private company under their collaboration or partnership. Among the projects undertaken under the PPP mode, Uttar Pradesh has the highest share of 15 percent. Among the topic five states under PPP, Maharashtra has a share of 12 percent, Gujarat 10 percent, Karnataka 9 percent and Tamil Nadu 6 percent. Hence it is Uttar Pradesh that is on the top among all the five states. Within the country a total of 1200 projects in the PPP mode have been undertaken with a total investment of about Rs 7 lakh crore.

Recently, Uttar Pradesh has gained a lot in terms of growth and development especially under the regime of the current Chief Minister of UP, Akhilesh Yadav. In terms of value Uttar Pradesh owns a share of about 22 percent among all the investment projects in PPP mode. With the implementation of the PPP mode, the growth and development within the state and the country will be at a much faster pace. This entire study and statistics has been conducted by Associated Chamber of Commerce and Industry of India. In case of the infrastructure projects Gujarat is leading and has the highest share of about 15.5 percent.

But it has been found that many projects that had been undertaken under the PPP mode has been terminated in states like Maharashtra, Chhattisgarh, Gujarat, Kerala, Madhya Pradesh. The reason why the PPP projects are failing in India is due to the lack of proper preparation conditions, inappropriate business models, disinvestment and fiscal uncertainties and many other reasons that are not in favor of the development of PPP projects. To make the PPP projects successful and running, independent institutions need to be set up that will look into the overall coordination and manage the projects under the PPP scheme. For successfully installing any PPP project the PPP database must be designed that is to be updated and maintained on a regular basis, all government departments should work in unity so as achieve success on their respective projects.

Uttar Pradesh being one of the most favored destination for setting up of PPP projects and has successfully been able to secure the top position in terms of share holdings of the projects under PPP. To develop a project a huge amount of investment is needed that would contribute towards its goal. With the help of PPP one can overcome the huge investment cost. This cost will help in setting up the business. Also to set up a well-functioning business front, the best facilities along with the latest equipped infrastructure are needed. Due to lack of proper infrastructure, India lags behind in developing the project. It is believed that this support for the huge amount of investment coming from the PPP projects would boost up the Indian economy. The successful installation of the PPP projects has been possible because of the striving efforts of the present government.


There are a few basic requirements that are essential for the PPP projects to succeed in India. Let us have a look at them.

• The macroeconomic framework that is establishes must be stable in nature.
• The generation of project revenues must be sustainable.
• The policies, terms and conditions must be flexible and friendly so that it can attract more investors.
• There must be sound regulation and maintenance process.
• Two most essential features that need to be maintained are consistency and transparency in work.
• The labor laws must be liberalized.

Thus, we find that the investment of PPP projects in India would not only boost up the Indian economy but also open wider channels for the country to the global world. It is due to the efforts of the UP government that many PPP project have been undertaken like construction of roads, buildings, factories and many others.  Although, India is a developing country and we all know that due to lack of funds and proper infrastructural facility the PPP projects are unable to gain success, still it must be kept in mind that if the country is able to attract outside investors to invest within the country under the PPP mode, then very soon India will be one of the fastest emerging economies in the global market.

Article by Anisha Dutta

She is a content evangelist who believes that the Science of today is the Technology of tomorrow. 

She can be reached at https://twitter.com/Anisha_Dutta29