Nation

Nagpur Police’s Crime Branch Unit-5 has solved the sensational murder of a 45-year-old man in Bhandewadi…

The Rashtriya Swayamsevak Sangh (RSS) has expressed deep concern over the alleged theft of money from…

A judgement on safe walking as a fundamental right must be welcomed by all and sundry…

With the management and operations of Dr Babasaheb Ambedkar International Airport officially transferred from MIHAN India…

In a landmark verdict, the Washim District and Sessions Court on Thursday sentenced nine police personnel,…

In what could be one of the biggest changes to India’s higher education admission system in…

The National Testing Agency (NTA) is expected to announce the results of the re-National Eligibility-cum-Entrance Test…

Most people researching ULIPs stop after understanding the product, checking the premium, and deciding whether to buy. The deeper question of how to actually manage the investment inside a ULIP once it is purchased rarely gets addressed during the buying conversation.  That gap matters. A ULIP bought and left untouched in the same fund allocation for fifteen years works significantly below its potential. Asset rebalancing is what separates a ULIP that compounds into a meaningful corpus from one that delivers mediocre results despite a long tenure and consistent premiums.  Before getting into the rebalancing tips, the product deserves a clear explanation for anyone coming to it fresh.  What is a ULIP Plan, and Why Does the Investment Side Get Ignored  A lot of people searching for “what is ULIP plan” find explanations that focus heavily on the insurance component and barely touch the investment side. Here is what that skips.  A ULIP is a Unit Linked Insurance Plan. When the premium is paid, one portion covers the life insurance component. The remaining amount, after charges are deducted, goes into investment funds the policyholder chooses. These funds invest in equity, debt, or a mix of both, depending on the fund type selected.  The policyholder can switch between funds during the policy term. Most plans offer a defined number of free switches per year. This switching feature is what makes asset rebalancing possible inside a ULIP.  Over a 15 to 20 year tenure, fund performance and allocation decisions largely determine the final corpus. Most beginners never actively manage this aspect.  Tip 1: Start Equity Heavy and Shift Gradually  A beginner choosing the best ULIP plan in India for the first time often makes one of two allocation mistakes:  Going entirely into equity funds because the return potential looks attractive  Staying entirely in debt funds because the stability feels safer  Neither extreme is the right starting point.  For someone in their late twenties or early thirties with a 20-year policy tenure, a higher equity allocation in the early years makes sense. Equity has historically delivered stronger long-term returns than debt over extended periods in India. The longer the time horizon, the more room there is to recover from market downturns.  A starting allocation of 70% to 80% in equity and 20% to 30% in debt is reasonable, with adjustments made gradually over time. …

Buying a bike comes with a few predictable expenses. Fuel, servicing, maybe a better helmet if…

A 30-year-old man, identified as Atul Suryavanshi, has been arrested from Narsala village for allegedly molesting…

The Goods and Services Tax (GST) on smartphones priced below Rs 25,000 should be reduced from…

The National Board of Examinations in Medical Sciences (NBEMS) has released a fresh advisory for NEET-PG…

IndiGo has introduced a new ‘Lite’ fare for economy passengers travelling only with cabin baggage, offering…

A video of a woman reading a book titled How to Kill Men while travelling on…

Marking his 75th birthday in a meaningful and socially relevant way, noted businessman and social worker…

The alleged murder of Ketan Agarwal at Lohagad Fort has triggered an unexpected rise in tourism,…

Young adventurers Daksh Khante and Tanishq Deshpande successfully completed the challenging Bhrigu Lake Trek in true…

Less than a week after operations at Dr Babasaheb Ambedkar International Airport in Nagpur were taken…

The Employees’ State Insurance Corporation (ESIC) on Tuesday approved a policy to directly manage all upcoming…

The United States has imposed sanctions on SBL Energy Limited, a company with a manufacturing unit…