Why Investing in Flexi Caps Via ULIPs is a Smart Choice!

Looking to grow your wealth while securing your loved ones’ future? Investing in Flexi-Cap Funds via ULIPs could be your smart financial move—one that sails through volatile markets and aims to fetch strong returns . Throw in life insurance cover and tax benefits%, and you’ve got yourself a winning formula!  

 In this blog, we’ll explain how it all works and why investing in a Flexi-Cap Fund through a ULIP could be the right step toward building wealth and securing your future—all in one plan.  

Why Invest in Flexi-Cap Funds?  

Market volatility is part and parcel of wealth building through equity. But with the right tool, you can ride the waves—and even thrive.  

Flexi-Cap Funds allow professional fund managers to build wealth across the full spectrum of stocks—large-cap, mid-cap, and small-cap—based on where they see the most opportunity. This freedom to shift gears helps them balance risk and grab growth opportunities, especially in uncertain markets.  

📈 Did you know?  

Historically, well-performing Flexi-Cap Funds have delivered 10–15% average annual returns** over the long term. While past performance doesn’t guarantee future returns, it’s a strong indicator of long-term potential.  

Why Choose Flexi-Cap Funds in a ULIP for Wealth Creation?  

When you invest in a Flexi-Cap Fund through a ULIP, you’re building wealth AND protecting your family’s future with life insurance. Plus, the tax benefits% (under current laws) make it even better.  

In short:  

• You build wealth over the long term  
• Your family stays financially protected  
• You save on taxes  

Bandhan Life’s iInvest Advantage gives you access to our new Flexi-Cap Fund. It’s a simple, smart way to begin your financial journey.  

How Does it Work?  

ULIPs (Unit Linked Insurance Plans) are unique life insurance products that combine wealth creation and protection in one.  

👉 Here’s how it works:  

When you invest in Bandhan Life’s iInvest Advantage, part of your premium goes toward life cover, while the rest is invested in market-linked funds—including our versatile Flexi-Cap Fund.  

The fund manager uses this to invest across large, mid, and small-cap stocks based on market opportunities—helping you build long-term wealth.  

💡 Bonus with Bandhan Life:  

We return the mortality charges’ (fees deducted for life cover) at maturity. Plus, we offer loyalty boosters” to reward long-term investors!  

Moral of the story? Investing in Flexi-Cap Funds is smart—but doing it via a ULIP is even smarter!  

Key Features and Benefits of Investing in Flexi-Cap Funds via ULIPs  

• Diversification: Spread your investment across large, mid, and small-cap stocks  
• Life Cover: Financial protection for your loved ones  
• Tax Benefits: Under Section 80C (under the old regime) and 10(10D)%  
• Liquidity: Make partial withdrawals after the 5-year lock-in  
• Switching Facility: Switch between funds as your needs or markets change  
• Goal-Based Planning: Ideal for retirement, education, marriage, or long-term wealth building  

Who Should Consider Flexi-Cap Funds via ULIPs?  

• Young professionals looking to grow wealth with life cover  
• Parents planning for children’s future while staying protected  
• Individuals aiming for retirement with disciplined investing  
• Anyone seeking market exposure, flexibility, and tax benefits% in one smart plan  

With Bandhan Life’s iInvest Advantage, you stay invested in market opportunities—and enjoy the peace of mind that comes with life insurance.  

Frequently Asked Questions (FAQs)  

1. How much can I invest in Flexi-Cap Funds within ULIPs?  

There’s no upper limit. Start with a premium that fits your budget—and scale up as your goals grow.  

2. Are ULIPs suitable for short-term or long-term investments?  

ULIPs are ideal for long-term financial goals—like retirement, child’s education, or wealth accumulation. The 5-year lock-in builds discipline, while long-term investing boosts returns.  

3. Does investing in Flexi-Cap Funds via ULIPs also cover life insurance?  

Yes. That’s the beauty of ULIPs—you get wealth creation + insurance in one. In case of an unfortunate event, your nominee receives the sum assured or fund value, whichever is higher.