Dear Mr Ramalingam, Thanks for your quick response and detailed analysis. It would be great if we could have a personal discussion. Please let me know how I can get in touch for personalized advice. Also please note my ULP i got both SIP and One time. The returns are net of charges. I know there are charges and mortality benefits and costs. Hence, it was a calculated investment, and my investments are in equity-based funds. I check yearly returns to ensure the XRR is above 20% but with a 5-year lock-in. My Ulip of 36Lacks, I with 12%, can become 75crore in 10 years, and Ulip SIP of 1.35lacks, investment for five years, can fetch me a return close to 2 crore at the end of 10 years. I also got a yearly SIP of Ulip for five lacks, which I think can be around 65 at the end of 10 years if all goes well. Which makes my return from Ulip close to 2.5 crores rather than.6crore I do review my portfolio and its return regularly, I ensure my MF XRR is above 20% and funds are not growing that level, I switch my funds. MF is also the SIP and one time I started a couple of years ago. The XRR for Bajaj was around 18%, Tata was 26%, HDFC was 26%, and the yearly SIP, which I started last year, was 66%. The monthly ULIP SIPS of HDFC my XRR is 26%, bajaj is 24%, and the 3 new schemes I recently started where I invest 25K per month are Canara BankCanara Promise4Growth - Wealth, HDFC Life Click 2 Invest and Max bupa just 3 SIPS completed. Anyway, I would like to review these with you. THnaks