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Ramalingam Kalirajan  |9024 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 10, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Mikasa Question by Mikasa on Jun 10, 2025
Career

Hi Sir, Thanks for your detailed response. Just to clarify, when you suggested surrendering now, did you mean that I would be able to withdraw the money immediately? Because according to SBI Wealth Builder policy terms, if I surrender now before 5 years, the fund value is moved to the Discontinued Policy Fund and the amount is only paid out after the 5-year lock-in period is over. In that case, wouldn’t making the policy paid-up by stopping further premiums but continuing till year 5 be a better option? It allows the money to stay invested in the original ULIP fund, which has a higher return potential compared to the Discontinued Fund with around 4 percent returns. Kindly let me know if my understanding is correct. Thank you

Ans: Yes, your understanding is correct.

If you surrender before 5 years, the fund value moves to the Discontinued Policy Fund. It earns low returns (around 4%) and is paid out only after 5 years.

Making the policy paid-up by stopping premiums but continuing till the 5th year is better than surrendering now. This way, your money stays in the original ULIP fund, which can grow more than 4%.

So yes—do not surrender now. Stop further premiums. Let the policy run till 5 years. Exit after that.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jun 10, 2025 | Answered on Jun 10, 2025
Thanks Sir for your valuable insight.
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Career

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Ramalingam

Ramalingam Kalirajan  |9024 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 11, 2025

Money
Sir I investing in Bajaj invest protect goal plan ULIP in small cap month,per month 7000 Rs. Present fund is 52300 compared to invested value of 70000Rs. Can I continue or surrender this policy.I have started investing in this policy for my son future. He is 4 years old now.Kindly suggest.
Ans: Evaluation of Your Current ULIP Investment for Your Child’s Future

You have started a ULIP for your child’s future.

Your investment is Rs 7,000 per month.

The total invested value is Rs 70,000 till now.

The current fund value is only Rs 52,300.

You are investing in a small-cap fund under this ULIP.

Your son is 4 years old now.

Let us now assess this decision step by step.

Appreciating Your Intention

You have thought about your son’s future early.

You are trying to build wealth with discipline.

This is a very good habit.

Starting early always gives a good advantage.

Protecting your child’s future is always a wise move.

You are also investing monthly without fail.

This kind of consistency is rare.

Understanding the Nature of ULIPs

ULIP means Unit Linked Insurance Plan.

It mixes insurance and investment.

You pay premiums monthly or yearly.

A small part goes to life insurance cover.

The remaining is invested in the market.

Charges are very high in the first 5 years.

Fund management charge, allocation charge, mortality charge.

These charges reduce your investment value.

You also have lock-in for 5 years.

You can’t withdraw before that period.

Small-Cap Fund in ULIP – Risk Factor

You have selected small-cap fund.

Small-cap funds are very volatile.

They fall sharply in market correction.

They rise more during market rally.

It is not safe for child’s future goals.

Risk is high and return is not steady.

Also, in ULIP, the fund performance is not very transparent.

You can’t track fund managers or detailed strategy.

ULIP Performance – Present Situation

You invested Rs 70,000 in total.

Current value is only Rs 52,300.

That means you are in a loss now.

The loss is nearly 25%.

This is not acceptable in short time.

The charges have eaten the returns.

Market may also be volatile.

Small-cap correction affects your value badly.

Compare ULIP vs Mutual Fund for Child Goal

Mutual fund gives more flexibility.

You can choose from many categories.

Charges are lower in mutual funds.

You get full transparency in funds.

Mutual funds are better regulated.

You can track performance easily.

You can switch any time without high costs.

You get better returns for long-term.

Why You May Consider Surrender of ULIP

You have already seen negative growth.

Charges are high and will continue.

Fund selection is very limited.

Child’s future needs stable, reliable returns.

ULIPs don’t support goal-based investing properly.

After lock-in, no reason to continue.

Even if loss is there now, stopping further loss is wise.

Shift money to better product for long-term.

Where to Shift After Surrender – A Better Path

Start SIP in mutual funds through Certified Financial Planner.

Choose regular plans via qualified Mutual Fund Distributor.

Don’t go for direct plans – they lack expert guidance.

Avoid index funds – they just copy the market.

Use active funds – they aim to beat the market.

Let expert select best funds for you.

Create mix of large-cap, mid-cap, balanced funds.

Invest based on time frame and goal.

Review every year with your Certified Financial Planner.

Why Direct Mutual Funds Are Risky for You

No one to guide you in choosing funds.

You may select wrong fund unknowingly.

No one reviews your investments regularly.

You may react emotionally during market falls.

No discipline without expert support.

Regular plans through MFD and CFP give full service.

Why Index Funds Are Not Ideal for Child Planning

Index funds only match the market returns.

They don’t beat the market ever.

During market falls, they fall completely.

Fund manager has no control.

All stocks are included, good or bad.

No downside protection.

Not suitable for child’s long-term needs.

Active funds are better with risk management.

What to Do Now – Step-by-Step Guidance

Continue paying ULIP till lock-in completes (if under 5 years).

After lock-in, check surrender value.

Surrender policy and stop further payments.

Take the fund value even if at slight loss.

Reinvest that amount into mutual fund SIP.

Start SIP with regular fund through CFP support.

Invest monthly same Rs 7,000 amount.

Select diversified fund mix for stability and growth.

Set goal for your son’s education and milestones.

Use goal calculator to fix amount and duration.

Stay disciplined for next 14 to 16 years.

Don’t withdraw in between for other needs.

Monitor performance with expert every year.

Switch funds if any underperforms consistently.

Avoid high-risk sector funds.

Avoid guaranteed return insurance-cum-investment policies.

Additional Tips for Child Financial Planning

Buy pure term plan for yourself.

Term plan gives full life cover at low cost.

Use health insurance for family protection.

Create emergency fund of 6 months expenses.

Don’t depend only on child policies.

Build your own wealth systematically.

Children need money, not policies, for education.

Review portfolio every year.

Increase SIP with your income rise.

Don’t panic in market fall – stay invested.

Finally

You started early – that’s good.

But current product is not helping your goal.

ULIP has high charges and low flexibility.

Small-cap funds increase volatility.

You may consider surrendering it after lock-in.

Reinvest wisely in mutual funds.

Use Certified Financial Planner’s help for proper fund mix.

Active funds through MFD give better value.

Avoid index funds and direct plans.

Align investment to your son’s future education needs.

Stay focused, review regularly, and be patient.

This approach can build better wealth for your child.

Long-term vision with proper planning works best.

You deserve better returns with low risk for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9024 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 10, 2025

Asked by Anonymous - Jun 09, 2025
Money
Hi Sir I have invested in SBI wealth builder plan which is ULIP. I have earned 195000 against 150000 invested in three years. So I know ULIP has disadvantages like high charges, lock in period etc. So which would be better option? Surrendering now and avoiding further investments and withdrawing money after five years or surrender exactly at end of fifth year to prevent loss of gains?
Ans: You have already understood that ULIPs come with some key issues. Also, it is good to see that you are assessing the next steps before acting. That shows financial maturity. Let me help you with a complete 360-degree assessment.

You have invested Rs. 1.5 lakh over three years in a ULIP and earned Rs. 1.95 lakh. You are at a crossroads—whether to surrender now or wait for five years and then exit. This is a common question for many people who started ULIPs with high hopes but later realised their inefficiencies.

Let us break down the situation, understand all aspects, and decide what will give you the best long-term benefit.

What Is a ULIP and Why It Looks Attractive at First
ULIP stands for Unit Linked Insurance Plan.

It mixes investment and insurance into one product.

Most people buy it due to tax saving or agent pressure.

They look attractive because of fancy brochures and promise of "returns with protection."

But the real truth is visible only after 2–3 years when charges eat away returns.

In the first 2–3 years, the policy charges are very high.

Premium allocation charge, admin charge, fund management charge and mortality charges reduce actual investment.

These costs are not visible clearly to most investors.

Common Issues With ULIP That Affect Your Wealth Creation
Lock-in period is five years, which reduces flexibility.

Fund choices inside ULIP are limited and not always well-performing.

You cannot switch freely or without cost between different funds.

Charges like fund switching fees or surrender charges may apply.

There is no professional guidance or rebalancing done in most ULIPs.

Portfolio is not reviewed by a qualified Certified Financial Planner.

ULIPs combine two different goals—insurance and investment—into one, which leads to poor results in both areas.

Your Case: Three Years Completed, and Fund Value is Rs. 1.95 Lakh
You have already stayed invested for three years.

You invested Rs. 1.5 lakh. Fund value is Rs. 1.95 lakh.

This means you have gained Rs. 45,000 in three years.

That seems okay on the surface. But not great if we look deeper.

If you had invested in mutual funds through MFD and CFP, your corpus could have been higher.

You also lost compounding on charges paid during initial years.

The returns would look even poorer if we calculate the actual annual return.

We also need to consider how this product will perform in the next two years.

Charges do not end after three years. Mortality and other charges continue.

It is also important to check if you are planning to invest more money in it.

Two Options in Front of You Now
Let us examine both choices you mentioned, in simple words.

1. Stop Paying Now, and Withdraw After Five Years
You have completed three years. You can stop future payments.

ULIP becomes paid-up. This means it remains in force without new premium.

After five years, you can withdraw the amount without any penalty.

This helps you avoid surrender charges if any.

It also gives the full lock-in benefit.

But your money stays inside ULIP fund, which may not perform well.

Also, fund management will continue to be passive.

You will not get personal rebalancing or advice like mutual funds with MFD and CFP.

Two more years of growth may be very slow due to charges.

2. Exit Now By Surrendering the ULIP
You have completed three years. Early exit may still carry charges.

However, surrender charge will be low since three years are over.

Your policy will return the fund value after deducting surrender charge.

You can reinvest this amount in equity mutual funds.

Investing through MFD with a CFP plan will give better long-term wealth creation.

Professional help will give asset allocation, rebalancing, and goal-based planning.

Even if there is a small cost in surrender now, it could be recovered quickly through better investment options.

Which Option Is Better?
Let us look at this practically and from a Certified Financial Planner's view.

If your surrender charge is small (less than Rs. 2,000 to Rs. 3,000), then surrendering now makes sense.

You will be able to recover this amount quickly through mutual fund returns.

You will also shift from a rigid ULIP to flexible and high-growth mutual fund strategy.

The two extra years in ULIP will not give great benefits.

They may only help you save surrender charge but reduce long-term compounding.

So, continuing for just to avoid surrender charge may result in more loss in long term.

Delaying switch to better investments can hurt your wealth creation more.

Hence, early exit and moving to better financial products is usually more rewarding.

Reinvest Strategy After Surrender
Once you surrender the ULIP, you can follow this better approach:

Create a goal-based investment plan with the help of a Certified Financial Planner.

Use mutual fund route through MFD instead of buying direct funds.

Direct funds look cheaper but lack personal advice and rebalancing support.

Regular plans through MFD+CFP give better handholding and timely decisions.

You can choose large-cap, flexi-cap, and small/mid-cap funds based on goals.

You can also create SIPs and lumpsum plans according to the fund value you get.

Stay invested for long term to benefit from compounding.

Why Mutual Funds are Better Than ULIPs in Long Term
ULIPs have fixed fund choices. Mutual funds offer wider range and active fund management.

Mutual funds are reviewed and rated regularly. ULIPs are not easily comparable.

You can increase or reduce SIP in mutual funds anytime. ULIPs don’t allow this flexibility.

There are no surrender charges or lock-ins (except ELSS with 3 years).

Mutual fund investing with MFD and CFP support gives better risk control and tax planning.

Why Regular Mutual Funds with CFP and MFD is Better Than Direct Plans
Direct plans may look cheaper due to lower expense ratio.

But you are completely on your own in direct funds.

Most investors do not have the time or knowledge to manage funds well.

Mistakes like wrong timing, panic exit, or poor fund selection can reduce gains.

Regular plans give you access to an expert’s personal guidance.

MFD + CFP can build customised portfolios and monitor them.

They help you stay disciplined and avoid emotional errors.

They also give full documentation support, review meetings, and reporting.

That extra 0.5% cost can create 5–10% extra return if managed well.

What Should You Watch Out Before Surrendering?
Check the surrender charge in your policy

If it is less, do not hesitate to exit now.

If it is very high, you may choose to make the policy paid-up and exit at 5th year.

But do not invest more money into it going forward.

Also check if there is loyalty bonus or fund booster after 5 years.

If that bonus is too small, then do not wait just for that.

Talk to a Certified Financial Planner to make this analysis.

Avoid putting emotion or attachment into such products.

Final Insights
Your decision to re-evaluate the ULIP shows financial awareness. Appreciate that.

ULIPs are poor performers due to charges and limited fund flexibility.

Continuing only to complete five years may not always be worth it.

Small surrender charges should not prevent better decision-making.

Reinvesting into mutual funds through MFD and CFP can offer better compounding.

This new plan will also give you better transparency, performance and flexibility.

For long-term wealth, switching to a cleaner and focused strategy is the best step.

Take this as a learning experience and plan wisely going forward.

Make sure future insurance and investments are always separate.

Take pure term cover for life protection and mutual funds for investment growth.

Don’t fall for insurance+investment plans again in future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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could you suggest the better option among Manipal Univ Jaipur CSE and Electronics (VLSI Design& Tech.) at Thapar ? What factors to be considered while making this choice ?
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Sir, Jee mains 95.70 percentile, obcncl, 65k crl, male. Maharashtra state, 98.48 in mhtcet pcm. I've 5.9k rank in viteee hence category 3 cse core in vellore but 23 lakh for the whole course including hostel,etc is expensive. Gave bitsat 1st attempt, 146 difficult but it's also expensive. Couldn't qualify in ugee and advanced. I checked cse closing ranks of nit, iiit & gfti but no luck at 65k. What should i do? Which other branches have good scope? Kindly guide. 141 in IAT, waiting for rank. GFTI J&K ELECTRICAL in round 1 of Josaa. Exiting it and will wait for CSAB. NEET: 477, 82k crl.
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Considering my interest in electronics, which institution, MIT Bangalore or SRM KTR, offers a superior B.Tech program in terms of academic rigor, industry exposure, research opportunities, and placement outcomes, specifically for an ECE specialization? Furthermore, is a core ECE curriculum or a specialized ECE (VLSI Design and Technology) curriculum more advantageous for long-term career prospects in the current industry landscape?"
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Recommendation: If your primary interest is in electronics and you seek a high-growth, future-proof career, opt for a specialized ECE (VLSI Design & Technology) curriculum—preferably at SRM Kattankulathur for its national brand, research infrastructure, and placement network; choose MIT Bangalore if you value a focused academic environment and strong local industry ties, but ensure the program offers robust VLSI specialization. All the BEST for the Admission & a Prosperous Future!

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