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Deepak Shenoy does a neat piece on Mutual funds vs ULIPS - quite comprehensive:

[url]http://in.finance.yahoo.com/news/ULIPs-Mutual-Funds-yahoofinancein-3245927858.html[/url]

Enjoy,

Srikanth

RRK, Two quick points: 1. If you are only making a theoretical point about fee based on fund value having larger impact on the portfolio return compared to fee based on contribution amount, you will have no quarrel from me. It is just math, and you can't fight numbers. 2. However, such a point would ...

RRK, Feels like we've been here before :-) Here are some points to ponder: 1. You talk about premium allocation charge. How about policy administration charge? (I am not talking about mortality charges that take care of the insurance part) How about the differential first year charges vs subsequent ...

Are the new ULIP norms for protecting the industry? This MoneyLife article does not think so: [QUOTE] Valuations of insurance companies are being redone by analysts, following the fracas between the Securities and Exchange Board of India (SEBI) and the Insurance Regulatory and Development Authority ...

[QUOTE=sigma;302896]RRK, On the Roth-IRA style product: I wish the Govt introduces this class of investment and with 80C deduction levels expected to raise up to 3L in thew new DTC, it makes good sense to introduce a product of this style and allow 1L contribution limit with EEE and up to 2L with ...

[QUOTE=sigma;302903]srikan2, Lot of good points in your post #16. These funds are not exclusive to ACE alone and other ULIPs share the same funds for fund choices. So, AUM is a function of overall popularity of ICICI Pru ULIPs and how much they can sell. RRK, correct me if I am wrong. sigma[/QUOTE ...

[QUOTE=RRK;302727]Sigma, Srikan, When I read back your posts again, I noticed one thing. Both of you believe ULIPs are being shaped up and being brought closer to mutual funds, and you both believe it may be a good thing. Correct me if I am wrong with my observation. [/QUOTE] Actually, no. On the ...

[QUOTE=RRK;302700]sigma, Give me reasons why mutual funds are better than ACE ? I am all ears to listen to the answer from any of you - srikan, smartfool, sigma ?[/QUOTE] From a feature by feature perspective, you are right - the ACE product offers better features than MFs. Two things are key for me ...

Thanks, RRK, for the detailed analysis. I agree broadly with your observations regarding how the changes affect the insurance customers (I refuse to call them investors, sorry). But I see things from a different perspective - from the perspective of how the industry has behaved in terms of defining ...