ULIP NAV is calculated by adding the ULIP funds for a particular day and deducting charges like management fees, operating expenses, marketing costs and other expenses incurred. Net Asset Value represents the value of the total holding of the ULIP fund. It is divided by the number of units held by investors. This represents the NAV per unit. Click to know more https://www.bajajallianzlife.com/ulip/ulip.jsp

1. How ULIP funds are calculated
to generate returns?

2. • Insurance plans are the best way to build financial security for our
family. But due to the rising inflation costs, improvised lifestyle,
growing aspirations of people, and ever-increasing needs, it
becomes imperative to have a steady income that apart from
insurance to match the pace of the rising living standards. We all
want to see our money grow each day just like a money plant.

3. • With this though in mind, insurance companies have introduced Unit Linked
Insurance Plan (ULIPs). ULIPs not only offer insurance cover but give assured
returns. ULIPs are just like Mutual funds, where investors purchase units at
their Net Asset Value (NAV) from a fund, along with added advantage of having
a life cover from an insurance company.
• That’s, why the term linked is involved. Your insurance component is linked to a
ULIP fund. Insurance companies promise you guaranteed ULIP NAV returns. But
it is advisable to talk to a financial expert and understand the conceptualization
of a ULIP NAV and then go for investments

4. • ULIP NAV is calculated by adding the ULIP funds for a particular
day and deducting charges like management fees, operating
expenses, marketing costs and other expenses incurred. Net
Asset Value represents the value of the total holding of the ULIP
fund. It is divided by the number of units held by investors. This
represents the NAV per unit.

5. • Most people think higher ULIP NAV would include investment in expensive
funds and often choose to skip it from the investment agenda. They opt for
an investment with a lower NAV just to save costs on premiums. However,
let's understand that the NAV is merely the book value of the ULIP fund
investment minus the related expenses. It only represents the fair price of
the asset should the mutual liquate the investments on a particular day.
Investors don’t have to be worried about the price being too low or high.
Instead, the significance of your investment should not be the basis for
choosing the right ULIP fund. Therefore, a higher or lower ULIP NAV holds no
importance and should not be the basis for identifying the right ULIP fund.

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