Vidit is 25 and has started working only recently. He will be filing his tax returns for the first time this year. Since the beginning of the year, he has been receiving calls from advisers and agents, asking him to invest in an Equity-Linked Saving Scheme (ELSS) or Unit Linked In surance Plan (Ulip). Both products are designed to save tax and have the poten tial to provide market-linked returns. Vidit feels that Ulips have an edge over ELSS funds since they offer life insurance bundled int ..