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Best ULIP Funds - Consider the best performing ULIP funds to invest in 2023 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories
One of the best ways to protect and secure your future is to invest and one of the smart ways to invest is over the long term. Best long-term funds are debit/debt funds that mainly invest in long-duration fixed-income securities. Long-term funds choose bonds with a usual maturity time period of above 7 years as per the SEBI instruction.
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Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
---|---|---|---|---|---|---|
![]() Top 200 Fund
Fund Size: 1,259 Cr
|
1,259 Cr |
130.92 -0.08% |
24.81% Highest Returns |
21.74% |
20.25% |
Get Details |
![]() Virtue II
Fund Size: 2,155 Cr
|
2,155 Cr |
55.06 -0.10% |
19.25% Highest Returns |
18.11% |
17.26% |
Get Details |
![]() Pure Equity
Fund Size: 1,804 Cr
|
1,804 Cr |
57.44 0.05% |
15.93% |
15.32% |
16.8% Highest Returns |
Get Details |
![]() Super Select Equity Fund
Fund Size: 1,129 Cr
|
1,129 Cr |
63.4 0.03% |
15.56% |
15.97% |
16.78% Highest Returns |
Get Details |
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
---|---|---|---|---|---|---|
![]() Whole Life Mid Cap Equity Fund
Fund Size: 10,158 Cr
|
10,158 Cr |
112.98 -0.23% |
20.95% |
18.38% |
21.46% Highest Returns |
Get Details |
![]() Multiplier
Fund Size: 3,446 Cr
|
3,446 Cr |
73.07 -0.09% |
17.1% |
15.82% |
19.88% Highest Returns |
Get Details |
![]() Midcap Fund
Fund Size: 1,038 Cr
|
1,038 Cr |
68.14 -0.01% |
18.46% |
16.1% |
19.85% Highest Returns |
Get Details |
![]() Opportunities Fund
Fund Size: 31,393 Cr
|
31,393 Cr |
57.85 0.06% |
16.37% |
14.93% |
18.59% Highest Returns |
Get Details |
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
---|---|---|---|---|---|---|
![]() Whole Life Stable Growth Fund
Fund Size: 210 Cr
|
210 Cr |
50.47 0.01% |
13.39% Highest Returns |
12.14% |
12.58% |
Get Details |
![]() Balanced Fund
Fund Size: 1,474 Cr
|
1,474 Cr |
15.17 0.00% |
- |
- |
11.85% Highest Returns |
Get Details |
![]() Creator
Fund Size: 500 Cr
|
500 Cr |
84.37 0.12% |
10.2% |
9.82% |
10.92% Highest Returns |
Get Details |
![]() Multi Cap Balanced Fund
Fund Size: 2,037 Cr
|
2,037 Cr |
34.46 0.02% |
9.56% |
9.01% |
10.59% Highest Returns |
Get Details |
Fund Details |
Fund Size |
NAV |
5 Year |
7 Year |
10 Year |
|
---|---|---|---|---|---|---|
![]() Pure Fund
Fund Size: 411 Cr
|
411 Cr |
39.2 0.04% |
13.87% |
13.62% |
15.31% Highest Returns |
Get Details |
![]() Builder
Fund Size: 242 Cr
|
242 Cr |
79.8 0.09% |
8.11% |
7.45% |
9.18% Highest Returns |
Get Details |
![]() Secured Fund
Fund Size: 532 Cr
|
532 Cr |
13.81 0.00% |
9.05% Highest Returns |
9.05% Highest Returns |
9.05% Highest Returns |
Get Details |
![]() Whole Life Income Fund
Fund Size: 776 Cr
|
776 Cr |
34.92 0.05% |
7.31% |
6.39% |
8.3% Highest Returns |
Get Details |
Best ULIP Funds - Consider the best performing ULIP funds to invest in 2023 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories
Read on to know more about the best long term funds in detail:Â
Long term funds are typically open-ended investment funds that mainly invest in corporate and government bonds with a longer outstanding maturity time period. They have good potential and the ability to offer high returns. The returns are generated from the capital appreciation and interest income from the securities in the portfolio. Though, these types of funds are very volatile in nature and come with a high amount of risks.Â
The fund managers of a long term funds choose bonds with a tenure of above 7 years. This could provide a higher return when compared with medium-term funds in a decreasing rate of interest situation. These long term funds usually provide excellent dividends to an investor. If you are ready to take a high risk to receive better returns, then you can select such a fund.Â
Long term funds invest in a fusion of government and corporate bonds of a longer tenure. It could also capitalize on money market instruments. As discussed, long term funds are more volatile in comparison to short-tenure debt funds, which mainly focus on the coupon income. The interest income is increased by capital profits to provide a better return when compared to debt funds. When you opt for such long term funds, you will be required to thoroughly and actively review the funds’ performance from time to time. Let’s discuss about such funds in detail:Â
You should think through investing in long term funds if you are prepared to stand short-term volatility and also stay invested for a long time. It can offer you a good return in comparison to most of the debt funds because it capitalizes on bonds of a longer term.Â
You can also invest in long term funds if you are ready to face the risk of unstable or fluctuating rates of interest for a good return.Â
You may also consider investing in these funds for a period of 3 to 5 years as it may support you fulfill medium-tenure financial objectives
ACMs i.e., Asset Management companies or fund houses issue investment funds. All the ACMs are required to be approved by the (SEBI) Securities and Exchange Board of India.Â
This is quite circumstantial. If you want to invest directly in stocks, then in such cases you choose equity funds. Whereas in case, if you wish to lower your tax outlay of money compared to a recurring or fixed deposit with good returns, then you can select debt funds.Â
Before investing in any funds, you should be clear about your requirements so that you can make the right decision regarding investment funds.Â
Long term funds are taxed in the same manner as debt funds or capitals. The short-tenure capital profits after an allotment time of less than 36 months are supplemented with your taxable income. This is taxed on the basis of your income tax slab. And, the long-term capital gains after the allotment time of 36 months or above, are taxed at the rate of 20 percent along with the indexation benefit. This benefit helps in inflating the buying charge of the long term bonds to modify for inflation. You might be required to pay taxes based on the slab of your income tax. And you may receive a tax-efficient income in comparison to bank FDs if you fall in the high-income tax slabs.Â
Investment goals: You may capitalize on long term funds only if you remain invested for a long time. It might help you fulfill medium-tenure financial objectives.Â
Risk profile: The long term funds possess more risk than debt funds. These funds mainly invest in bonds of a longer term, which makes them susceptible to a rate of interest fluctuations.Â
Time Period: You should always think of investing in long term funds with a time period of 3 to 5 yearsÂ
Better Returns: Long term funds also provide a good return amount as compared to medium-term funds. It capitalizes on bonds of a long outstanding maturity and possibly will produce more returns during reduced interest rate events.Â
Expense ratio: Always consider checking out the expense ratio of the long term funds. More expense ratios may consume into the fund return.Â
Following are the advantages of investing in the best long term funds:Â
You may get a good return as compared to various debt fundsÂ
It provides a higher return in comparison to Bank FDs. It also offers a higher tax-effective return for financiers in the higher slabs of income taxÂ
Investing in these types of funds is a smart option to fulfill medium duration goalsÂ
You can also consider varying the portfolio with long term funds. It provides stability and security against the unpredictability of the stock industry.Â
A long term investment fund makes a lot of significance in your portfolio. It is important for long-duration wealth creation. When you plan for your life objectives such as retirement child’s education, marriage, buying a house, etc., long term plans help in fulfilling all these goals.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
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