ULIP vs Mutual Funds: Professional analysis needed for portfolio allocation decision

Insurance
1

Posted in r/IndiaInvestments

I’m currently restructuring my investment portfolio and need to make an informed decision between ULIPs and direct mutual fund investments. I’ve been researching both options extensively, but I’d like perspectives from professionals who have worked with both products.

Context:

  • 32M, senior manager at consulting firm
  • Annual income: ₹18L
  • Investment horizon: 15-20 years
  • Risk tolerance: Moderate to aggressive
  • Current portfolio: Mix of equity MFs, PPF, and some direct stocks

Looking for data-driven analysis rather than generic advice. Would appreciate insights from those who’ve done detailed comparative analysis or have professional experience with both products.

2

Investment advisor here. I’ve structured portfolios across both vehicles for 200+ clients. Here’s the professional breakdown:

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This isn’t a binary choice. Professional portfolio construction often involves both vehicles serving different purposes within overall asset allocation strategy.