i feel ulips are great products as far as returns go. over a longer horizon, the initial so-called higher charges will definitely even out and give u reasonable returns. what one must not ignore is the insurance aspect. keep adequate cover needed and invest regularly to reap the reward at the end of the term. it is definitely a no-no for short term. minimum 10 years should be the cutoff to expect reasonable returns.there is an intelligent article on rediff today which predicts how long term inv in stock market yields good.pl read it all.
