I have been investing in HDFC life insurance for nearly one-and-a-half years. Should I keep investing in it?
Investment plans of insurance companies are better nowadays when compared to what was being offered earlier, but the decision to invest through insurance is not the best of choices to make. And if you are planning to invest in insurance with a time frame that is less than 15 years, then it is going to be expensive. Also, the system is not transparent.
The best suggestion would be to choose term insurance which provides insurance and then pick mutual funds for your investment needs.
For fixed deposits, you can put money in term deposits or other such instruments. From the perspective of returns and the net deal that an individual gets, ULIP is not the best of choices and hence ,investors should stay from them.
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