MFs Vs ULIPs

[Expert]

Why ULIPs are not good over MFs?
1- Higher Agent Commissions

2- Costlier exit options
3- No Track record
4- Larger Commitments


Good article read here - ET.com

[best]

I think it will be wise to keep insurance, ie term insurance & SIP investments via MFs preferably dividend seperately bcos your charges for term insurance are much cheaper and if you take past 10 years records of good MFs the returns are much greater than your Ulips, whereas the charges in Ulips are much higher and mostly goes unknown as bundled.

[Mahesh]

Advantages to ULIP Plans -
1. Transparency
2. Tax free returns
3. Switch between various options
4. Tax Benefits

[PolicyWala]

Advantages to ULIP Plans -
1. Transparency
2. Tax free returns
3. Switch between various options
4. Tax Benefits

Mahesh - I agree with all the above advantages, but if you compare with the dis-advantages than going with term + MFs is the best option.