Best Investment Plans

Name: Investment Plans
Brand: Policybazaar
Rating: 4.8 (40366 reviews)

Investing is an important step towards financial success. With a wide range of options available, it's essential to understand the factors that influence your investment decisions. Make sure to choose the best investment plan that will help you grow your wealth and achieve your financial goals in a timely manner. Read more

Generate wealth with high returns Earn 1 Cr in maturity with Zero LTCG tax^
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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All plans listed here are of insurance companies’ funds.

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Types of Investment Plans in India

Whether you are a seasoned investor or taking your first step towards financial planning, understanding the different types of investment plans, including the best investment plans with high returns, is important to make informed decisions.

We have categorised different investment plans based on various factors that will help you ensure your financial planning is effortless and rewarding.

Different types of Best Investment Plans

Low-Risk Investment
Medium-Risk Investment
High-Risk Investment

Low-Risk Investment

Low-risk investments are those plans in which the risk element is minimal.

Below are the best low-risk investment options. These are some of the best investment plans designed for risk-averse investors.

01 Capital Guarantee Plans
✦ Guaranteed return: 100% of your invested capital is returned at maturity.

✦ Potential growth: 10-year returns can range from 12-18% per year.

✦ Risk-free: Your initial investment remains secure regardless of market fluctuations.
02 Guaranteed Savings Plan
✦ Dual benefits: Guaranteed returns and life insurance coverage.

✦ Higher returns: Offers higher interest rates compared to Fixed Deposits.

✦ Tax advantages: Tax benefits on both premiums and returns.

✦ Flexibility: Provides loan options and life cover.
03 Fixed Deposits
✦ Safe investment: Considered a secure option.

✦ Current interest rates: Range from 3% to 9% per annum.

✦ Interest rate decline: Rates have decreased compared to previous years.

You can use an FD calculator to calculate returns on your investments.
04 Sukanya Samriddhi Yojana (SSY)
✦ Government-backed: Designed for the financial security of girl children.

✦ High interest rate: Offers an attractive interest rate of 8.2% per annum (for Q2 FY 2024-25).

✦ Triple tax benefits: Tax-free principal, interest, and maturity amounts.

✦ Lock-in period: Designed for specific goals (education, marriage).
05 Public Provident Fund (PPF)
✦ Government-backed: Secure investment plan with a stable interest rate of 7.1% per annum (for Q2 of FY 2024-25).

✦ Tax benefits: Contributions are tax-deductible under Section 80C of the Income Tax Act. The interest earned and the maturity proceeds are also tax-free in PPF account.

✦ Partial withdrawals: Allows partial withdrawals from the 6th year onwards.

✦ Long-term growth: Ideal for those seeking stable, long-term growth.
06 Senior Citizen Savings Scheme (SCSS)

✦ High interest rate: Offers a competitive interest rate of 8.2% per annum.

✦ Ease of access: Easily open an account at designated banks or post offices.

✦ Regular income: Provides quarterly interest payouts.

✦ Tax benefits: Tax-deductible contributions under Section 80C.
07 National Pension Scheme (NPS)
✦ Retirement savings: Government-sponsored scheme for post-retirement financial security.

✦ Variable interest rates: Interest rates range from 9% to 12% per annum.

✦ Diversified investments: Offers investments in equity, corporate bonds, and government securities.

✦ Tax benefits: Tax deduction of up to 10% of your salary on your own contributions, subject to a maximum of Rs. 1.5 lakh under Section 80CCD(1). You can claim a tax deduction of up to Rs. 50,000 under Section 80CCD(1B), over and above the Rs. 1.5 lakh limit.

✦ Annuity requirement: 40% of the corpus must be used to purchase an annuity.
08 Post Office Monthly Income Scheme (POMIS)
✦ Regular income: Provides monthly income to investors.

✦ Interest rate: Offers an interest rate of 7.4% compounded monthly.

✦ Maturity period: Has a maturity period of five years.

✦ Investment limits: Maximum investment limits vary for individual and joint accounts.

✦ Low risk: Suitable for those seeking regular returns without market volatility.
09 National Savings Certificate (NSC)
✦ Fixed-income investment: Government-issued certificate with a fixed interest rate.

✦ Interest rate: Offers an interest rate of 7.7% compounded annually.

✦ Tax benefits: Interest earned is tax-deductible under Section 80C.

✦ Low risk: Ideal for risk-averse individuals.
10 Gold
✦ Value appreciation: Has shown significant value growth in recent years.

✦ Diverse forms: Available in physical, ETF, and digital forms.

✦ Historical returns: Offers an average annual return of 10% since 1971.

✦ Inflation hedge: Serves as a reliable hedge against inflation.

✦ Cultural and economic relevance: Continues to be a popular investment choice.
11 Real Estate
✦ Traditional investment: A popular choice among Indian investors.

✦ Risk: Considered a relatively high-risk investment.

✦ Potential returns: May offer good returns but can be volatile.

✦ Alternatives: Other options like ULIPs, stocks, and mutual funds may offer better returns.
12 RBI Taxable Bonds
✦ Fixed-income investment: Issued by the Reserve Bank of India.

✦ Guaranteed principal: Offers a guaranteed return on the principal amount.

✦ Regular interest payments: Provides regular interest income.

✦ Higher interest rate: Currently offers a higher interest rate compared to FDs.

✦ Diversification: This can help diversify your investment portfolio.

Looking to Buy a New Investment Plan?

Our experts will help you to choose the best plan!

Benefits of Choosing the Best Investment Plans

Goal-based Planning
Best Investment plans allow you to set financial goals and create a structured plan to achieve them. Whether you're saving for your child's education, planning for retirement, or starting a business, these plans provide a disciplined approach to help you reach your goals within a defined time frame.
Tax Benefits
Investment plans like PPF, ULIP, ELSS, Sukanya Samriddhi Yojana, etc., not only provide an opportunity to accumulate wealth in the long term but also offer substantial tax-saving benefits under sections 80C and 10(10D) of the Income Tax Act.
Flexibility
Investment plans offer flexibility regarding contribution amounts and investment options. You can choose how much money to invest and adjust your contributions based on your financial circumstances. Moreover, investment plans offer a range of investment vehicles to suit your risk tolerance and investment preferences.
Inflation Protection
Inflation affects the purchasing power of money over time, reducing the value of your savings. Investing in assets that have historically provided higher returns than the inflation rate can lessen the impact of inflation. Thus, it helps you maintain the value of your wealth.
Wealth Creation
Investing your money wisely can generate substantial wealth over time. By putting your funds into the right financial product, you can earn higher returns compared to traditional savings accounts. Over the long term, these investments can help you build wealth and increase your net worth.
Professional Expertise
Many investment plans are managed by experienced professionals with in-depth financial market knowledge. These professionals can provide valuable advice, conduct thorough research, and make informed investment decisions on your behalf. You can benefit from their expertise and potentially achieve better returns.

Factors to Consider while Choosing the Best Investment Plan in India

01 Define Your Financial Goals
Customise your investment choices to meet objectives like buying a home, funding education or retirement, and adjusting for risk based on the time horizon.
02 Mind the Costs
Watch out for charges like management charges, brokerage fees, and loads that can reduce your returns. Opt for investments with transparent and reasonable fees.
03 Consider Your Dependents
Choose the best investment plan to help you secure the financial future of your dependents and ensure enough resources for their future goals.
04 Diverse Investment Options
Weigh the pros and cons of various investment products and try to match them with your time frame, whether 1, 5, or 10 years.
05 Evaluate Returns vs. Inflation
To maintain your purchasing power, aim for investment products that offer returns that beat inflation and balance potential rewards with associated risks.
06 Calculate Returns on Your Investments
Use tools like SIP calculator, ULIP calculator and compounding calculator to estimate returns and make informed decisions while tracking your financial progress effectively.

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When Should You Start Investing?

The ideal time to start investing in the best investment plan with high returns is generally as early as possible. The power of compounding allows your investments to grow over time, and the longer your money is invested, the more it can accumulate.

Here is a table of investment strategies for people in their 20s, 30s, 50s, and retirement phases:

Age	Best Investment Plan with Returns Strategies
20s	Aim to save at least 10% of your income. Invest in ULIPs, index funds or ETFs, which are low-cost ways to get broad exposure to the stock market.
30s	Increase your savings rate to 15% of your income. Consider investing in real estate or other assets that can appreciate in value over time. At this age, you can start investing in Guaranteed Returns Plans and enjoy the benefit of low or zero risk.
50s	Start shifting your investments to more conservative assets or financial products such as whole-life ULIPs, pension plans, and bonds. This will help reduce your risk as you approach retirement.
Retirement	Your investments should be focused on generating income throughout your lifetime so that you can have a worry-free retirement. You may also want to consider investing in annuities or other income-producing assets.

How, Why & When You Should Start Investment?

How to Invest
Why to Invest
Calculate Returns

Documents Required to Buy the Best Investment Plan in India

Here is a list of a few documents required to buy the best investment plan in India:

Income Proof (any one of them)		Address Proof (any one of them)	Age Proof (any one of them)	Identity Proof (any one of them)
For Salaried Individuals	For Self Employed	Voter ID	Pan Card	Aadhaar Card
Form 16 of the latest year.	Form 26 AS	Aadhaar Card	Aadhaar Card	Pan Card
The Last 3 months' bank statement shows salary credit.	Income tax returns of the last 2 years are not filed in the same year along with income calculation.	Passport	Passport	Voter ID
Income tax return for the last 2 years.	In case income computation is not available: the ITR of the latest 3 years was not filed in the same year.	National Population Register containing details of address, name, and Aadhaar number.	Municipal Birth Certificate	Passport
Income tax return for the last 2 years.	profit loss account and CA (certified audited) balance sheet for the last 2 years.	Or any other document issued by the central government.	Voter ID	Passport

Frequently Asked Questions

What are the best investment plans for 1 year?

If you want to invest for a tenure of 12 months, then consider investing in some of these best investment plans for 1 year.

Investment Plans	Ideal for
Arbitrage Funds	Suitable for investors looking for 1 year or more than 1-year investment. Offers 8% interest
Fixed Deposits	Suitable for investors, looking for a 1-year investment. Offers around 3-8% returns.
Recurring Deposits	Suitable for investors who invest monthly
Fixed Maturity Plan	Includes diverse constant earning instruments
Post Office Deposits	Investors can invest for a tenure of 1, 2, 3 & 5 years
Debt Fund	Suitable for investors looking for everyday profit.

What are the best investment plans for 3 years?

Let’s take a look at the short-term investment plans for 3 years.

Investment Plans	Ideal for
Recurring Deposits	Suitable for investors who invest monthly
Fixed Maturity Plan	Same as FDs with 3 years lock-in period
Savings Account	Suitable for investors looking for liquidity (3.5-8% returns)
Arbitrage Funds	Suitable for investors looking for more than 1-year investment. Offers 7-9% interest
Liquid Fund	Suitable for investors, looking for secured investment (4-7% returns)

What are the best investment plans for 5 years?

Here is a list of the best investment plans for 5 years.

Investment Plans	Ideal for
Guaranteed Return Plans	Suitable for individuals who prioritize capital protection and prefer predictable, steady growth on their investments.
Liquid Funds	Suitable for investors who want to invest for 3-5 years' tenure. Offers a 7% interest rate.
Savings Account	Suitable for investors looking for liquidity (4-7% returns)
Post-office Time Deposit	Suitable for investors looking for high liquidity and investment for 1-5 years. The applicable rate of interest is 6-8%
Large Cap Mutual Fund	Offers smart returns of 10-30% to the investors for 3-5 years of tenure.

How to Invest 1 Lakh per month?

To invest 1 Lakh per month, consider diversifying your investments across asset classes like stocks, mutual funds, and fixed deposits. Set clear financial goals, assess risk tolerance, and consult a financial advisor to optimize your investment strategy for long-term wealth creation and choose the best investment plan.
Where should I invest my money for a good return?

Consider investing your money in a diversified portfolio that includes a mix of stocks, bonds, and mutual funds. Additionally, explore investment options like real estate, index funds, or exchange-traded funds (ETFs) for potentially higher returns. It's recommended to consult with a financial advisor to tailor your investment strategy based on your goals and risk tolerance.
How to invest 25 Lakh rupees?

When investing 25 lakh rupees, consider diversifying your portfolio by allocating funds to a mix of asset classes such as ULIPs, capital guarantee plans, mutual funds, real estate, and fixed deposits. ULIPs, or Unit Linked Insurance Plans, offer a combination of life insurance and investment options, making them a viable option for long-term wealth creation.
What is the best option to invest money?

The best option to invest money depends on factors such as financial goals, risk tolerance, and investment timeline. However, some commonly recommended options include stocks, bonds, mutual funds, real estate, and diversified portfolios.
Which is the best investment plan in India?

The best investment plan in India may vary depending on individual preferences and financial goals. However, some popular investment options in India include fixed deposits (FDs), Public Provident Fund (PPF), National Pension Scheme (NPS), Mutual Funds, Unit Linked Insurance Plans (ULIPs), SIPs, and stocks.
Which is the best short-term investment plan?

The best short-term investment plan depends on your specific financial goals and the duration of your investment. If you have a short investment horizon, typically less than a year, options such as high-yield savings accounts, certificates of deposit (CDs), short-term bond funds, or money market accounts can be considered. These options provide liquidity and relatively low risk.