Confused 11th Grader in Kolkata: Which Offline Coaching is Best for IIT JEE?

Ans: Hello;

My suggestion would be to opt for an adequate term life insurance and invest through mutual funds and NPS for other goals.

But if you are keen about ULIP only then you may select the insurer/plan of your choice or as advised by your insurance advisor.

However in the Ulip plan have 80% allocation to pure equity funds and balance 20% to debt funds to beginwith and tweak it over time as you grow older(nearing policy maturity date; ~ 30 years later) so by the time the policy is about to mature your equity allocation should be 40% or less.

Happy Investing;

Ans: Hello;

Since money invested would be required after 3 years for payment towards property purchase, recurring deposit is a better option then equity savings type mutual fund.

The returns from equity savings type mutual fund may be higher but they are subject to market fluctuations so no point in taking that risk.

Happy Investing;

Ans: Sumit Sir,
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