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RSS Sarsanghchalak Dr. Mohan Bhagwat on Sunday voiced concern over the growing emotional disconnect among children…

While the India Meteorological Department (IMD) has issued heavy rainfall alerts for several districts across Maharashtra,…

Heavy rainfall in Mumbai and resulting air traffic congestion have disrupted flight operations between Mumbai and…

Hundreds of students of Maharashtra National Law University (MNLU), Nagpur continued their protest for the second…

A popular skin-whitening product, Goree Beauty Cream, has come under the scanner after being linked to…

Heavy rainfall in Mumbai disrupted flight operations on Monday, delaying several flights from Nagpur and affecting…

The Shri Ram Janmabhoomi Teerth Kshetra Trust has introduced stringent security measures for handling temple donations…

The 2026 summer safari season at the Tadoba-Andhari Tiger Reserve concluded on a memorable note, with…

Citizens who fail to register a birth or death within 30 days will now need approval…

In a bid to make civic administration more transparent, responsive and citizen-centric, the Nagpur Municipal Corporation…

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

The Legal Metrology Department has urged consumers to verify fuel dispenser readings before purchasing petrol or…

The Special Intensive Revision (SIR) of electoral rolls is now being rolled out in Maharashtra as…

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…