Hi,

I have invested in HDFC young star super ULIP for the sake of tax savings after started my career way back in May 2010. Now I have completed 5 years of yearly premium and still paying monthly premiums and would like to continue for entire duration of 15 years. As of now, 98.87 % invested in Growth Fund II and 1.13% invested in Balanced managed fund II. This fund allocation is done by agent. I didn’t aware of this fund allocation. Now I am thinking to switch the fund allocation. My yearly premium is 30000 and paying 2500 in monthly payments. I invested 1,55,000 till date and the fund value as of now is 1,89,600.

can you suggest me that shall I stay with this growth fund and balanced with this same percentage or I should allocate more % to balance fund? And which of these following funds would be medium risk with 50% risk and 50% money back assurance like Equity managed fund, Opportunities fund, Liquid fund, stable managed fund, secure managed fund etc.?

Thank you in advance.


Regards,
Venkat

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