Investment Plans

Investment plans are crucial for achieving your financial goals and meeting obligations. Optimal plans not only grow your wealth but also cater to short and long-term objectives. By consistently investing your savings, you can steadily build wealth. The key is to select a plan with high returns that aligns with your goals, investment timeline, and payout requirements. Some plans even offer guaranteed returns, making them particularly effective for wealth accumulation.
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Highlights of Investment Plans

Build wealth with high returns
Includes insurance coverage
Provides post-retirement income
Save for your child’s education
Risk-free investment
Tax-free returns

Types of Investment Plans   

Explore a range of investment opportunities tailored to your financial goals. Start your investment journey today, there are different types of products to choose from based on your needs

Pension Plan

Long-term investment plans come with tax benefits for retirement savings. The National Pension Scheme is regulated by the central government and the Pension Fund Regulatory and Development Authority (PFRDA).

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Guaranteed Return Plan (GRP)/Endowment pl...

GRP is a life insurance policy that combines investment and coverage. It builds a savings corpus and provides financial support to your family in case of your untimely demise. GRP is also available as part of endowment policies.

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Unit Linked Insurance (ULIP)

ULIP offers life coverage and market-based investments. Funds can be invested in debt, equity, or a combination, making it a top choice in India for tax-free returns.

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Child plan

This plan helps secure your child's future financially. It combines investment and insurance, ensuring your child receives a fixed yearly payment or lump sum in the future.

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Money-back policy

This policy combines life cover with regular payouts and survival benefits throughout the policy term, making it ideal for children.

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Investment Plans - Everything You Need to Know

Benefits of Investment Plans

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Savings with life cover

Build wealth and get life cover in case of your untimely demise.

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Goal-based planning

Save for specific goals like a home, education, or retirement; some plans have longer lock-in periods.

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Security for loved ones

The nominee receives a lump sum or periodic payments in case of death or maturity.

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Wealth creation

Grow funds and build capital with high-return investment policies.

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Tax benefits

Enjoy tax benefits under sections 80C and 10D of the Income Tax Act.

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Flexibility to choose plans

Choose from various plans for high returns, tailored to your goals and timeline.

Main Aspects of an Investment Plan

In an investment plan, the buyer (insured) pays a premium for a specific period or tenure and gets a payout with or without life cover.
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Goals

Define your financial goals, whether long-term (like weddings, education, home/car purchase) or short-term (such as a vacation).

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Returns

Choose based on your risk tolerance; higher returns often require longer investment periods.

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Policy term

Match the term with your financial timeline; longer terms typically yield higher returns, especially for market-linked plans.

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Premium term

Decide on payment frequency and duration, such as single payment or annual payments.

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Interest rate

Varies by plan type (like GRP or ULIP); ULIP rates are linked to market performance and require active management.

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Sum assured or insurance cover

Ensure the policy's coverage meets your financial needs or provides for your family in case of your untimely demise.

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Riders

Enhance coverage with riders like premium waiver or accidental death coverage.

How to Select the Best Investment Plan

Choosing the best investment plan in India is essential to fulfilling your future goals and protecting your family with financial security.

Whether you’re choosing an investment plan with high returns or with moderate risks and returns, there are certain factors you should consider. Here’s a guide on how to select the best investment plan:  

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Define your financial goals

Know your objectives and key requirements to choose the right investment plan from the beginning.

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Consider policy tenure and premium paying terms

Evaluate investment tenure and premium payment terms, favouring longer durations.

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Compare benefits

Compare returns, coverage, riders, premiums, and payouts to finalize your plan.

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Diversify investments

Spread investments across a range of plans for financial protection.

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Monitor investments

Regularly review performance and adjust as needed for optimal results.

Documents Needed to Buy an Investment Plan

Whether you choose short-term investment plans with high returns in India or the best investment plans for 5 years, you must submit the relevant documents to buy an investment plan. These include:

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Address proof: Driving license/bank statement or passbook with latest entries/passport/voter ID/Aadhaar card/ration card

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Identity proof: Aadhaar card/voter ID/passport/PAN card

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Age proof: PAN card/ Aadhaar card /passport/voter ID card/marriage certificate/ration card/birth certificate/driving license

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Passport-size photographs of the individual

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Income proof:

  1. For high sum assured cases, income proof is also needed.
  2. Salary slips of last 3 months/ Income Tax Returns/ employer certificate/latest bank statement/latest form 16

Benefits of Comparing Investment Plans in India Online

It is important to compare the best investment plans with high returns, and here are some of the reasons why:

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Improved returns

Identify high-performing plans for faster goal achievement.

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Best coverage and riders

Compare and select plans with suitable riders for enhanced coverage.

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Understand market benefits

Gain insights into investment benefits and optimal payout durations.

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Find your ideal plan

Customize a plan based on risk tolerance and specific needs.

Ask Anything as We Have Answers to Everything in Insurance

Investment plan means the process through which you can align your monetary goals as per the available resources of investment. While making your financial planning, investment plans serve as the main component. It makes sure that you put your savings in the right investment to earn good returns.

Investment planning is important in India because investment plans help people in making periodic investments in various options to create wealth and to achieve financial goals for the future. It helps individuals to save and to meet the financial needs of their family under different plans including the best investment plan for 5 years.

There is no specific age to start investment. You can start as young as possible and as soon as you start earning. And it is good to invest your earnings in different options of investment that suits you. This way, you will earn a good amount by the time you start getting returns.

There are many investment plans that are risk free like Savings plans, Post Office Fixed Deposits and Recurring Deposits etc. However, when it comes to investment options linked to the market, there is a certain kind of risk involved. This is because, in such investment schemes, the ROI depends entirely on the market variables.

The 4 type of investments options in India can be classified as Mutual Funds, Stocks, Cash Equivalents and Bonds.

The investment options that allow high returns include Saving Account, Liquid Funds, Direct Equity, Equity Mutual Funds, Short-Term & Ultra Short-Term Funds, Fixed Maturity Plans, Debt Mutual Funds, National Pension System, Public Provident Fund, Bank Fixed Deposits, Senior Citizen’s Savings Scheme, Real Estate and Gold etc. Besides the above, there are many other best investment plan with high returns.

Some of the short term investment plans with high returns in India:

  • Liquid Funds
  • Recurring Deposit
  • Savings account
  • National Saving Certificate
  • Fixed Deposits

Some of the long-term investment plans in India with high returns are:

  • Bank Fixed Deposit (FD)
  • Post Office Savings Schemes.
  • Public Provident Fund (PPF)
  • National Savings Certificates (NSC)
  • Corporate Fixed Deposits. Sukanya
  • Samriddhi Account (SSA)
  • Unit Linked Insurance Plan (ULIP)
  • National Pension System (NPS)

Some of the best investments for beginners are:

  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Mutual funds
  • Exchange-traded funds or ETFs
  • Individual stocks, etc.

There are numerous investment plans available in India that you can choose from to invest in as per your requirement. It is advisable to select a plan as per risk tolerance factor after checking the returns.

The investment plans that give the highest return are Debt Mutual Funds, National Pension System, Equity Mutual Funds, Public Provident Fund, Bank Fixed Deposits, Direct Equity, Senior Citizen’s Savings Scheme, Real Estate and so on.

Below are the different types of investments available in India:

  • Bonds
  • Stocks
  • Real Estate
  • Deposit Certificates
  • Fixed Deposits
  • Mutual Funds
  • PPF
  • NPS

Some of the best investment plans are:

  • Unit Linked Insurance Plans
  • Public Provident Funds
  • Monthly Income Plans
  • Mutual funds
  • Tax saving Fixed Deposits
  • Senior Citizen Savings Scheme
  • Sukanya Samriddhi Account

Investment plans help people to build a corpus that they can use at the time of retirement. This amount helps them to live a life of financial independence after retirement. So, by investing in retirement plans people can secure a lump sum amount which you can invest for regular income lifelong.

Many people think that savings and investment are one and the same thing. However, the fact is both are different from each other. Saving plans offer low risk and here the interest is earned on the amount that is saved. Moreover, saving plans allow individuals to save money even for a short period. But investments might involve high risk, while the return is also high. Investments allow people to create wealth in the long run.

To save tax on investments, you must choose a plan that offers tax benefits under Section 80C of the Income Tax. ELSS, ULIP, PPF, EPF, etc.