What are the best investment plans with high returns?
It is recommended that before you finalise any investment decision you should go through all the available options carefully, consider the risks involved and the amount of return that you are aiming for through your investment strategy.
Given below are some of the best investment plans with high returns in India:
- PPF or Public Provident Fund: You can opt for PPT and open an account at a post office or a bank for a period of 15-20 years with a minimum contribution of Rs 500 and a maximum of 1.5 lakh per annum.
- Fixed Deposits: FD has a 5 year lock-in period. They assure you principal amount along with interest at deposited rates. Tax-saving FD can help save taxes however the interest earned is taxable.
- Post-Office Monthly Income Scheme: It is a monthly saving scheme that is regulated by Post Offices in India where you can open an account at a minimum amount of Rs 1500 with a maturity period of 5 years.
- National Savings Certificate: This scheme offers assured returns and tax benefits and comes with a tenure of 5 years. You can opt for this scheme at any post office and invest at an interest rate of around 8% compound P.A. which is determined by the Government of India every quarter.
- Unit Linked Insurance Plan (ULIP): ULIP has the dual benefit of life insurance and market-related investment. It comes with a lock-in period of 3-5 years and assures tax benefits. It also offers different fund options based on your risk appetite.
- Debt/Equity Mutual Fund: if you are looking for a steady ROI then this is one of the best investment plans because they invest in fixed income instruments like government securities, debt or fixed deposits and market tools. They have limited risk, they are also less volatile and guarantee higher returns. The equity mutual funds invest at least 65% of their funds in equity and 35% are invested in debt & money market instruments. Although they involve high risk it gives investors the flexibility along with high-reward/return investment choice.
Moderate Risk Investment
- Monthly Income Plans (MIPs): You will earn a regular payout for every payment after paying your premium for a few years. Here at least 70% fund is invested in debt funds and the balance is invested in stocks.
- Hybrid-Debt Oriented Funds: The objective is to appreciate your income by investing in debt securities and money market instruments with moderate exposure to equities.
Arbitrage Funds: This is a type of mutual fund for investors who would like to take advantage of volatile markets without taking much risk.
Income Tax Slab 2021-22
February 17, 2020
Income Tax Return Guide - Details You Should Know
November 07, 2016
Best Tax Saving Investment Options in 2022 (FY 2022-2023)
November 08, 2016
Subscribe to get the latest articles directly in your inbox
14 Best Investment Options In India
October 30, 2018
Short Term Investments: Top 11 Short Term Investment Options For 2022
November 08, 2016
Insurance vs Investment - Did You Get the Right Financial Plan?
November 05, 2018
Popular & Recent Articles
How to Plan for Retirement as Per your Age
"The thumb rule for retirement planning is - the earlier you start, the more you save. However, with age, your priorities change too. So, you need to factor in the cost of living in the present vis- a -vis future."
HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: [email protected], Tel No: 1800-266-9777 (10 am to 7 pm). The name/letters “HDFC” in the name/logo of the company belongs to Housing Development Finance Corporation Limited (“HDFC Limited”) and is used by HDFC Life under an agreement entered into with HDFC Limited.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
|BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS
- term insurance plan
- savings plan
- ulip plan
- retirement plans
- health plans
- child insurance plans
- group insurance plans
- long term savings plan
- fixed maturity plan
- monthly income advantage plan
- income tax calculator
- pension calculator
- bmi calculator
- compound interest calculator
- term insurance calculator
- income tax
- tax saving investment options
- best investment plans
- benefits of term insurance calculator
- what is term insurance
- why to invest in life insurance
- tax planning for salaried employees
- how to choose best child insurance plan
- tips for buying retirement plan
- 1 crore term insurance
- importance of saving
- short term saving plans
- types of investment in india
- investment declaration