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What is the difference between ULIP, INSURANCE and EQUITY?

what is mean by a insurance, equity,ULip 2 years ago Report Abuse

Future Generali

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Hi Raghu, To answer your question, Insurance is a risk management tool, a security blanket that provides you financial protection against unexpected events. When you buy insurance you effectively transfer a portion of your risk regarding, your life, home, travel, business to your insurer. Now, ULIP is a sub set of insurance. It is a kind of insurance policy which is a combination of investment + insurance. Your insurer will invest 10% of the premiums in equities and the rest 90% in debt paper. So your ULIP would act like a mutual fund. Equities on the other hand are kinds of stocks of companies which can be invested in. The returns on these investments would depend on how the company does. When the company does well, the value of the equity will rise and vice versa. Dabbling in equity is always more risky than debentures. So its like a chain where if you buy insurance, you may choose for a ULIP plan which invests in equity to increase your assured sum of money after a stipulated period of time.

Real Estate: Overview


Consistent growth in India's economy has led to a boom in incomes of the middle class. Rapid urbanization of smaller towns has resulted in a sharp growth of the real estate industry. Traditionally it has been the most preferred investment option. Now, it is the investment option beyond compare. Come what may, the appeal of this sector has been so strong that it has overtaken all other investment options such as the capital, debt, and bullion markets. It is attracting investors by offering a possibility of stable income yields, good capital appreciation, tax structuring benefits, and higher security in comparison to other investment options. The potential of India's property market has transformed the skyline of her cities, further driving investments in all real estate segments, from commercial and residential to retail, industrial, hospitality, health care and so on. Read More >

Real Estate: Basics

What is the difference between the lease agreement and the Leave and License agreement?

Read on to know the difference between Lease agreement and Leave and License agreement. ......

What are the implications of entering into a lease agreement?

There are various implications of entering into a lease agreement such as you have to pay the stamp duty, the lease agreement has to be registered etc... ......

I have a flat which I want to sell and buy a new flat bigger in area. What are my tax implications with regard to capital gains? If you purchase a new flat within two years of the date of sale of the original flat and invest the entire amount of capital gained into the new flat, you will not have to pay any capital gains tax. ......

Why is it considered necessary to register a property? What is the purpose of registration? By registering the transaction of an immovable property, it becomes permanent public record. Title or interest can be acquired only if the deed is registered. ...... Read More >

Real Estate: Basics

What is the difference between the lease agreement and the Leave and License agreement? Read on to know the difference between Lease agreement and Leave and License agreement. ......

What is the difference between Built-Up Area, Super Built-Up Area, and Carpet Area?

Read to know the difference between Built-Up Area, Super Built-Up Area, and Carpet Area. ......

Why is it considered necessary to register a property? What is the purpose of registration? By registering the transaction of an immovable property, it becomes permanent public record. Title or interest can be acquired only if the deed is registered. ......

Can a Foreign national of Indian origin pay the purchase price of the residential property out of his Non Resident Ordinary (NRO) account? No. The purchase price of the residential property should either come from remittances from abroad or by debit to his NRE or FCNR accounts. ......

Can sale proceeds from the sale of a commercial property owned by a foreign citizen of Indian origin be remitted out of India?

Yes, sale proceeds from the sale of a commercial property owned by a foreign citizen of Indian origin can be repatriated out of India. ...... Read More >

Real Estate: Did you Know

Does a foreign citizen of non-Indian origin require permission from the Reserve Bank of India (RBI) for acquisition of immovable property? Yes. The RBI may grant permission to a foreign citizen of non-Indian origin/foreign companies if the property is purchased for residential use and the consideration is paid by way of foreign exchange. ......

Can Nepalese/Bhutanese acquire immovable property in India, without seeking any kind of permission? No. individuals with Nepalese/Bhutanese nationalities are treated as foreign nationals of non-indian origin. ......

Are foreign passport holders of Indian origin allowed to purchase immovable property in India? Yes. Foreign nationals of Indian origin whether resident in India or abroad, have been granted general permission to purchase immovable property in India for bona-fide residential purposes. ......

How many properties can be acquired by a foreign national of Indian origin in India without the permission of Reserve Bank of India (RBI)? There are no restrictions on the number of properties that a foreign national of Indian origin can acquire for residential purposes. ...... Read More >

Real Estate: Did you Know

Are foreign passport holders of Indian origin allowed to purchase immovable property in India? Yes. Foreign nationals of Indian origin whether resident in India or abroad, have been granted general permission to purchase immovable property in India for bona-fide residential purposes. ......

Are any conditions required to be fulfilled if I want to repatriate sale proceeds?

Read to know the conditions required to be fulfilled if one wants to repatriate sale proceeds. ......

Is one required to register existing tenancies?

Requirement of an individual to register existing tenancies ......

Read More >

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