With investment plans from HDFC Life you can opt for guaranteed1 returns as per your financial goals -
Contact Us
For NRI Customers
(To Buy a Policy)
(If you're our existing customer)
For Online Policy Purchase
(New and Ongoing Applications)
Branch Locator
For Existing Customers
(Issued Policy)
Fund Performance Check
Login
Customers
Employees
Partner
Life coverage is available
Market Linked Returns
Save tax up to Rs.46,800/-18
Multiple fund options
:1800-266-9777
High Risk High Returns or Low Risk Low Returns - Know Where To Invest
March 25, 2026
Table of Content
| Investment Options | Type Of Risk Involved | Comments |
FD |
Low Risk | Assured returns and safety of capital |
PPF |
Low Risk | Government sponsored savings and retirement planning investment. |
Life Insurance |
Low Risk | Endowment Plans with assured payouts |
Direct Equities |
High Risk | Investing directly in stock markets. |
Equity Funds |
High Risk | Investing in equities is through mutual funds |
ULIPs |
High Risk | Opportunity to select a product suited to their risk profile and investment objectives |
Low risk investment options
Not being comfortable with sharp movements in your investments means you should avoid equities. So opting for low risk investment options is a good idea. All these are low risk - low return investments, which is natural, since risk and return go hand in hand.
FD
Fixed deposits (FDs) are well-suited for the risk averse investor. With the proposition of assured returns and safety of capital, FDs rank high on his to-invest list.
PPF
The Public Provident Fund (PPF) is a government sponsored savings and retirement planning investment. It is particularly meaningful for individuals who do not have a structured pension plan covering them.
Life insurance
Securing the family's finances in his absence is the key responsibility of the breadwinner. The best way to achieve this is by opting for an endowment (protection) plan or a life insurance plan.
An endowment plan is a 'with profits' plan that offers life cover combined with savings. There is a payout regardless of whether the policyholder survives the term or not.
Traditional endowment plans invest primarily in fixed income securities like government bonds and corporate paper and are well-suited for low risk investors.
High return investments
For investors with an appetite for risk, there are just as many options, all revolving around equities. Listed over here are the more relevant ones:
Direct equities
Equities offer risk-taking investors the best chance to achieve their financial goals. While every asset is important in its own peculiar way, over the long-term equities have a proven track record vis-Ã -vis other assets and cannot be ignored.
One way to make the most of equities is by investing directly in stockmarkets. This requires some skill and time since studying companies, sectors, economic factors, requires considerable resources. So direct investing is not for everyone.
For those who cannot invest directly in stockmarkets, there is always another way, explained under the next option.
Equity funds
If you lack the requisite time and effort, the best way to go about investing in equities is through mutual funds. Mutual funds are managed by fund managers, who are experts and stand a better chance of succeeding at identifying the right companies.
ULIPs
ULIPs or unit-linked insurance plans are a variant of the endowment plan with investments in the portfolio being linked to stockmarkets. They offer risk-taking individuals an opportunity to select a product suited to their risk profile and investment objectives. Since ULIPs offer many options, individuals with varying risk profiles can consider investing in them.
Investing in a portfolio works best
Investing is not black and white i.e. there are no pure low risk or high risk investors. Considering various investment types, Most investors are a bit of both i.e. they likely have an appetite for risk; there is only a variation in intensity.
So it makes sense to invest in a mix of assets across low risk and high risk investments. This works best when invested in a portfolio with allocations to various investments based on risk profile and goals.
Similar Articles
- Small Investment Options In 2016
- Safe Investment Options in India with Higher Returns
- Tax Planning Tips for Salaried Employees
- Tax Free Income and Investment Options
Need Help to Buy a Right Plan?
Our expert will assist you in buying a right plan for you online.
Reach us between 9 AM - 9 PM IST.
For existing policy related assistance, click here.
A certified expert of HDFC Life will help you.
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Reach us between 9 AM - 9 PM IST.
Disclaimer: By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize ...Read More
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Here's all you should know about life insurance.
We help you to make informed insurance decisions for a lifetime.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
Popular Searches
- Term Insurance Calculator
- Investment Plans
- Investment Calculator
- Investment for Beginners
- Best Short Term Investments
- Best Long Term Investments
- 5 year Investment Plan
- savings plan
- ulip plan
- retirement plans
- health plans
- child insurance plans
- group insurance plans
- income tax calculator
- bmi calculator
- compound interest calculator
- income tax slab
- Income Tax Return
- what is term insurance
- Ulip vs SIP
- tax planning for salaried employees
- HRA Calculator
- Annuity From NPS
- Retirement Calculator
- Pension Calculator
- nps vs ppf
- short term investment plans
- safest investment options
- one time investment plans
- types of investments
- best investment options
- best investment options in India
- Term Insurance for Housewife
- Money Back Policy
- 1 Crore Term Insurance
- life Insurance policy
- NPS Calculator
- Savings Calculator
- life Insurance
- Gratuity Calculator
- Zero Cost Term Insurance
- critical illness insurance
- itc claim
- deductions under 80C
- section 80d
- Whole Life Insurance
- benefits of term insurance
- types of life insurance
- types of term insurance
- Benefits of Life Insurance
- Endowment Policy
- Term Insurance for NRI
- Term Insurance for Women
- Term Insurance for Self Employed
- Benefits of Health Insurance
- Health Insurance for Senior Citizens
- Health Insurance for NRI
- Best Term Insurance Plan for 1 Crore
- personal accident insurance
- Annuity Calculator
- Life Insurance Calculator
- Term Insurance Comparison
- Digital Life Insurance
- Child Education Planner
- GST on Term Insurance
- Term insurance for Diabetics
- Term Insurance for Doctors
- Term Insurance for Overweight
- Term Insurance for Below Poverty Line
1. Provided all due premiums have been paid and the policy is in force.
18. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.
** The returns mentioned is the 5-year benchmark return percentage of Nifty 500 Multifactor MQVLv 50 Index data as of August 29, 2025, and is not indicative returns of Top 500 Multifactor 50 Fund (ULIF08219/09/25TopMF500Fd101).
ARN: ED/12/19/17049
