I am 33 year married male blessed with a baby daughter 2 year old and expecting another in next few months, wife is a house wife, getting 25 k working with BHEL (PSU),I have few ULIP plans and few traditional plan and do saving as below , the most I am worried is three ULIP PLANS I have,as I have read a lot negative about ulip plans,please guide me what should i do,should i retain these ulips or should surrender.
LIC Jeevan Aadhar(money back) from Feb 2002 @for 20yrs with premium of rs 7000/yr,
LIC Jeevan saral from Nov [email protected] 20yrs premium of rs [email protected]/month,
Birla Sun life Dream Plan-Enhancer fund 100 % fromNov [email protected] 20yrs premium of rs 12024/yr ,
Birla Sun life Saral Jeevan –Creator fund 100 % from [email protected] 20yrs premium of rs 12258/yr ,
HDFC Young Star Plan-Balanced Fund from Nov [email protected] 15yrs premium of rs 20000/yr,
Beside above I have PPf A/C with SBI and keep investing on an average 1000 Rs /month and also welfares with our company-Free Medical Unlimited, Death Relief Fund ,gratuity etc.I do SIP of 4000/month in UTI opportunity fund, reliance regular saving,HDFC TOP200,ICICI Discovery fund-all growth option.