If we talk about ULIPs it depends on the Advisor that what fund he is opting for there are many funds that provides 45% returns and same is the case with Mutual Funds. In Ulip you have the option to switch funds but in Mutual Funds you don't have the option to switch Funds you have to surrender and reinvest.
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Which is better for long-term investment: ULIPs or Mutual Funds?
Which is better for long-term investment: ULIPs or Mutual Funds?
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