Long term Investment did't earn me any money, what would be the reason?

1. FACTS OF MR.VISHWANATH’S
CASE:
 1) YOU HAD INVESTED IN TATA AIA ULIP – “INVEST ASSURE
OPTIMA” ON 01/06/2009 & EXITED ON 01/06/2015. (SINCE YOU
HAVE NOT GIVEN THE EXACT DATES I HAVE PRESUMED THE
SAME).
 2) THE MIN PREMIUM IN THE PLAN WAS RS.15,000/- & YOU OPTED
TO PAY THE SAME IN H.Y MODE.
 3) THE PLAN HAS 4 EQUITY FUNDS. SINCE YOU HAVE NOT
MENTIONED THE FUND NAME, I HAVE PRESUMED THE SAME TO
BE LARGE CAP FUND.
 4) THE MATURITY BENEFIT UNDER THE PLAN WAS F.V. THERE
WAS ALSO A GUARANTEED ADDITION STARTING WITH 110% OF
F.Y.P FOR A 10 YEAR TERM & UPTO 200% OF FYP FOR A 30 YEAR
TERM.
 5) 1ST YEAR PAC WAS 100%. 2ND YEAR ONWARDS IT WAS 8% &
CAME TO 0% FROM THE 10TH YEAR.
 6) YOUR PROBLEM – YOU GOT LESS THAN WHAT YOU HAD
INVESTED EVEN AFTER 6 YEARS & WANT TO UNDERSTAND
WHAT WENT WRONG.

2. MY RESPONSE TO
MR.VISHWANATH
 1) PREMIUM ALLOCATION CHARGE OF 100% IN THE FIRST YEAR
IS A VERY BAD IDEA & SUCH PLANS MUST BE AVOIDED.
 2) TATA AIA LARGE CAP FUND CAGR FOR THE PERIOD 01/06/2009
TO 01/06/2015 WAS 14.0370%. NIFTY-50 CAGR WAS 10.91% &
HDFC TOP 200-G MF GAVE A CAGR OF 16.0209%, ALL FOR THE
SAME PERIODS.
 3) ULIPS ARE LONG TERM PLANS AND MUST BE CHOSEN
ATLEAST FOR A PERIOD OF 15 YEARS & ABOVE. ALSO YOU
MUST ALIGN INVESTMENTS TO SPECIFIC GOALS.
 4) IN TERMS OF FUNDS, YOU MUST HAVE OPTED FOR AN EQUITY
FUND AND ALSO A DEBT FUND AND MUST HAVE BALANCED THE
ALLOCATIONS EVERY QUARTER. THIS WOULD HAVE GIVEN YOU
AN ADDITIONAL CAGR OF ATLEAST 1% - 1.5% .
 5) NOT CLEAR WHY NO ONE IN TATA AIA WAS ABLE TO HELP
YOU. YOU SHOULD HAVE TALKED TO SOME CREDIBLE ADVISOR
BEFORE DECIDING TO CLOSE YOUR ULIP PLAN. IN MY OPINION
THE LOSS COULD HAVE BEEN AVOIDED.
 6) DOING DUE DELIGENCE BEFORE FIRST DECIDING TO INVEST,
IS ABSOLUTELY NECESSARY.