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ULIP Calculator: Understand How to Determine ULIP Returns





A Unit-Linked Insurance Plan or ULIP offers a dual benefit of life insurance and market-linked investment under the same policy. Being a hybrid product, a portion of your premium goes towards providing life cover, and the remaining amount is used to build your wealth corpus by investing in a few funds of your choice.

As a rule of thumb, you should always weigh the cost and returns before investing in any insurance product, and a ULIP plan is no different. To simplify this comparison and determine the return calculation process hassle-free, an online ULIP calculator can come in very handy.

Calculating Returns on ULIPs

The returns on a ULIP are market-linked; hence assessing expected returns can be challenging. However, a ULIP plan calculator can help you get an estimated return.

The returns from your ULIP investment plan depend on the choice of fund (debt, equity or balanced) and factors like ULIP charges and, of course, the market performance. There are typically two ways to measure ULIP returns:

  1. Absolute returns

Absolute returns depict the percentage increase in the total value of your ULIP investment. Thus, to know the percentage change, you should be aware of the fund’s current NAV (Net Asset Value) and the NAV at the time of purchase.


Absolute Return = [(Final Value – Initial Value)/Initial Value] x 100

  1. Compounded Annual Growth Rate (CAGR)

The Compounded Annual Growth Rate (CAGR) method helps assess your ULIP plan’s annual growth during a particular period. As a result, you can determine the returns on your ULIP policy on a year-on-year basis.


CAGR = {[(Ending Value/Initial Value) ^ (1/number of years)]-1} x 100

Absolute returns prove helpful if your ULIP policy investment tenure is up to a year. However, if the tenure is for more than one year, it is advisable to choose the CAGR method.

Benefits of a ULIP Calculator

As seen above, calculating returns on ULIPs can be difficult and time-consuming. An online ULIP calculator is an easy-to-use tool that can aid you in determining expected returns. Since ULIP policy is subject to market risks, the ULIP return calculator only allows investors to estimate probable returns. Moreover, you must ensure that the selected ULIP plan is based on your risk profile and goals. Then, in such a case, the ULIP calculator can be resourceful.

  1. It is a simple-to-use tool available online at no cost.
  2. It simplifies complicated calculations to help you make the right decisions based on age, financial goals, budget, etc.
  3. It aids in long-term financial planning as ULIP calculators can compare and analyse the estimated returns of the various ULIP plans in the market.
  4. ULIP calculator provides flexibility and transparency.

General Practices for Maximising ULIP Returns

ULIP is considered one of the most lucrative investment options for investors to fulfil long-term investment goals. Financial experts believe investing in ULIP for around 10 years can reap average returns ranging from 10-12%.

Having said that, returns on ULIPs are market-linked and thus volatile. However, you can follow the below practices to maximise your returns on ULIP.

  1. Keep an eye on the market volatility and track your fund performance regularly.
  2. Many ULIPs allow you to switch between funds; you can take advantage of the market conditions and switch between funds to widen your profits. However, always consider the number of switches available and underlying costs, if any.
  3. Diversify your investment and maintain a proper balance between equity and debt.
  4. Have a goal-based investment approach to ensure you stay invested for the entire duration of the ULIP plan.
  5. Enjoy the benefit from the power of compounding that is, returns on your returns. For this, you must have a long-term investment horizon.
  6. ULIPs offer tax benefits under the Income Tax Act of 1961, subject to certain policy terms and conditions. You can take advantage of the tax benefits to maximise your overall returns.

A ULIP plan from Tata AIA Life Insurance can help you invest in the market and also shield your loved ones with a life cover.


As an investor, you must be aware of the factors that affect your returns on ULIP. You can take advantage of ULIP calculators to determine probable returns instantly and accurately. Moreover, you can use the ULIP calculator repeatedly and get accurate returns estimations over the years.

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Cara Delevingne Does Hollywood Glamorous on the 2023 Oscars Red Carpet



Cara Delevingne

Cara Delevingne Makes Her Oscars Red Carpet Debut in an Eye-Catching Gown featuring a Thigh-High Slit
Delevingne will also serve as a presenter at tonight’s show. Cara Delevingne brought an old Hollywood glamour to Sunday’s 2023 Oscar red carpet.

At this evening’s award show, The Only Murders in the Building star, who is presenting, looked stunning in her daring red Elie Saab gown and Bulgari jewels. Her one-shoulder dress featured a thigh-high slit that showcased her platform Stuart Weitzman heels.

Delevingne took her glamorous style to the next level with a shimmery eye and bright rosy lip, finishing off with her hair pulled back off her face for an effortlessly stylish finish.

Delevingne, styled by Mariel Haenn and Rob Zangardi, got ready for her big night with hairstylist Danielle Priano and makeup artist Hung Vanngo. Vanngo used NakedBeauty MD Damsk Rose Revitalizing Gold-Infused Hydrogel Eye Masks to hydrate and plump Delevingne’s eyes – the ideal start to a glamorous night and the foundation for her makeup look.

Delevingne has been making waves on red carpets this awards season. She looked stunningly glamorous on the 2023 SAG Awards red carpet.

At the award show, model-actress Carolina Herrera, 30, stunned in an eye-catching long sleeve jumpsuit featuring plunging neckline decorated with large rosette appliques from their Fall/Winter 2023 collection. Additionally, this designer piece featured an overskirt which the star proudly showed off while walking down the red carpet.

Delevingne finished off her ensemble with black satin Casadei platform sandals and an amazing 74.73 carat necklace made of De Beers diamonds!

“Excited to be attending my first @sagawards tonight as part of the nominated cast of @onlymurdershulu!” she posted on Instagram alongside a picture of herself wearing the award show look.

Before the event, she shared on her Instagram Stories a behind-the-scenes glimpse of her beauty prep with Dior Beauty and celebrity esthetician Sarah Akram. To top it off, she donned bold brows and an intense red lip for full glam perfection.

Stay ahead of the curve with PEOPLE magazine’s best content, from captivating celebrity news to heartwarming human interest stories. Sign up now and stay in the know.

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Delevingne has never shied away from making daring fashion statements at red carpet events. Last year, she graced the MIPCOM 2022 Fremantle photocall in Cannes wearing a flowy black minidress with sweetheart neckline and cutouts, paired with black heels with ankle-cuff detail and delicate jewelry. Delevingne kept her makeup understated but glamorous with a nude lip and glowing cheeks.

Cara Delevingne Reveals She Cried Watching Rihanna Perform at Super Bowl: ‘I Felt So Proud’

Cara Delevingne

Cara Delevingne

The Only Murders in the Building star chose soft waves for her hairstyle, giving off an effortless aesthetic that complemented her breezy dress perfectly.

Delevingne also donned an all-black ensemble when she hit the red carpet at Paris Fashion Week last September.

Delevingne had earlier missed a New York Fashion Week event to honor her collaboration with late designer Karl Lagerfeld, Cara Loves Karl. However, she was present at the Paris party to commemorate this momentous milestone.

Delevingne donned an oversized tuxedo blazer adorned with a harness belt bearing her late designer’s name and atelier address. Finishing off the ensemble were red lips and thigh-high black boots.

On Thursday morning, Delevingne debuted another Cara Loves Karl ensemble on Instagram with a carousel of photos featuring an elegant black blazer, matching pants and classic pointed-toe pumps. She chose not to wear a blouse underneath the blazer to show off its plunging neckline.


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LA Outfielder Draws Shohei Ohtani and Justin Bieber Comparisons | Angels News



Draws Shohei Ohtani

Draws Shohei Ohtani: Over the last couple of seasons, few MLB stars have garnered as much attention as Shohei Ohtani of the Los Angeles Angels. His production and dominance on the field has not been replicated in recent history and he looks set for possibly the largest contract ever when he hits free agency.

Being an international athlete from Japan, some might say his stature grows twice as fast as the average professional athlete. He’s currently representing his home country in the World Baseball Classic and they have yet to lose an official game with him leading the charge. If he can even grow any bigger than this right now, imagine what kind of legacy his name will carry if Japan were to win this entire tournament!

Draws Shohei Ohtani

Draws Shohei Ohtani

Ohtani has long since outgrown the title of professional baseball player, and more accurately describes himself as a global icon. Despite never making the playoffs thus far in his career, opposing franchises know what to expect when they encounter him on the field.

Bieber has sold approximately 150 million records during his music career and earned 26 Billboard Music Awards. He has performed on multiple world tours across various parts of Europe, further increasing his international fame.

Whitefield’s comparison of Ohtani to Bieber is a fitting compliment, given that Ohtani has only been with the Angels since 2018 and Bieber first burst onto the pop scene in 2010.

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Malaysia Denies Hong Kong Historic Asian Games Double Double in Squash



Malaysia Denies Hong Kong

After Hong Kong China upset India 2/0 to secure the women’s Asian Games Team Championship Squash title for the first time ever, Malaysia denied them a historic double by coming from behind and winning 2/1 in an exciting men’s final at Gelora Bung Karno Sports Complex in Jakarta, Indonesia.

The women’s final was a repeat of a qualifying tie 48 hours earlier in which Hong Kong, the second seeds, prevailed 2/1 over third seeds India to take pole position in Pool B.

India won the rematch in the final after pulling off an incredible upset, ousting defending champions Malaysia – led by newly-crowned ‘Greatest Player of All-Time’ Nicol David – who were seeded to take gold for a third consecutive time.

Unfortunately for the third seeds, Sunayna Kuruvilla could not reverse the outcome as she lost four games to Ho Tze-Lok before talented left-hander Annie Au secured gold for Hong Kong by defeating Indian top string Joshna Chinappa 11-3, 11-9, 11-5 in 28 minutes.

“HK team manager Rebecca Chiu expressed her pride in the girls,” who played well under pressure, adding, “I’m delighted for them and they certainly deserved this success.” Pictured above is the women’s presentation group from the 2002 Asian Games – congratulations!”

Hong Kong and Malaysia both advanced to the Jakarta men’s final unbeaten, hoping for their first-time title triumph.

At one point, it appeared a double was on the way when Yip Tsz Fung put Hong Kong ahead with four games to one over Malaysian Ivan Yuen after coming through an epic 20-18 second game.

With Malaysia on the brink of a thrilling comeback, team number one Nafiizwan Adnan (pictured above celebrating his triumph) defeated higher-ranked Max Lee 11-9, 11-7, 11-7.

Malaysia’s second string Eain Yow Ng – at 20 years old the youngest player in the squad – had never faced off against Hong Kong opponent Leo Au, the 2018 men’s individual gold medalist.

But in his biggest match yet, the young Malaysian truly came of age when he shutout Au in three games – 11-7, 11-7 and 11-4 – over 36 minutes to bring home gold for Malaysia.

“As a team,” exultant Ng (pictured above with his team-mates in the men’s presentation group) after their seventh consecutive win in the championship. “We came into this tournament knowing that we could win and it proved true for us.”

“I always felt confident that Nafiizwan would deliver a point for us and was just focused on my own game. However, I also did my homework well – doing lots of video analysis and beating the individual champion despite not playing in it!”

“I didn’t want to give up in my third Asiad without a fight. After being on the losing team twice already, I really gave it everything I had. Of course there was pressure when Ivan lost, but pressure is like dessert and that’s something that excites me!”

On Squash team finals day at Gelora Bung Karno Sports Complex, IOC President Thomas Bach was honored as guest of honor. Pictured below, Bach can be seen receiving a presentation from Asian Squash Federation President David Mui (far right).

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