I have invested in a unit-linked insurance plan (ULIP), ICICI Prudential R.I.C.H. Should I stay with it, or switch?
Generally, ULIPs are not a sound investment option. This one was launched less than two years ago. In these plans, a part of your premium goes towards providing you insurance coverage and the other part is invested.
This one’s intent is to invest in select sectors. The market in this period has been very volatile. A sectoral, or thematic, play is not a good option for any individual.
Since you have invested recently and the lock-in period is three years, it would be better that you remain with it. And when the lock-in period gets over, it would be ideal that you get out of it and then invest in an equity diversified investment.
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