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5 Years Investment Plan

A 5-year investment and savings plan is a financial tool designed to help individuals accumulate funds over a specific period. This investment plan encourages disciplined savings while offering guaranteed returns and life coverage.


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Features and Benefits of HDFC Life Sanchay Par Advantage

Learn How an Investment Plan for 5 Years Works for You

Investment Plan for 5 Years
February 22, 2024


Planning for the future has become more crucial than ever in today’s fast-paced world. A well-structured investment plan can help you secure your family’s financial future and achieve your goals. Let’s better understand how 5-year investment and savings plans work and why you should rely on them to safeguard your financial future. 5 years investment plan can go a long way in answering your query - what is investment?

What is a 5-Year investment and Savings Plan?

A 5-year investment and savings plan is a financial tool designed to help individuals accumulate funds over a specific period. This investment plan encourages disciplined savings while offering guaranteed returns and life coverage. The predetermined maturity period of five years provides a structured approach towards financial growth and security.

How Does a 5-Year Savings Plan Work?

A 5-year investment and savings plan works on the principle of disciplined savings and investing in low-risk instruments. When you opt for a 5-year investment and savings plan, you commit to depositing a fixed amount of money at regular intervals. You can put money into the policy monthly or quarterly for five years. The accumulated funds earn returns that get reinvested, compounding your growth.

At the end of the 5-year term, the plan matures. You can reinvest the corpus or withdraw it based on your financial goals and requirements. Additionally, these plans provide life coverage for five years. Should anything happen to you during this time, your beneficiary or heir will receive the payout. The amount helps them meet their financial goals.

Why Choose a 5-Year investment and Savings Policy?

Let’s understand how maintaining a investment and savings plan for 5 years helps you.

  • Stability and Security
    A 5-year investment and savings plan offers stability and security by investing in low-risk instruments. It preserves your capital while providing steady returns. It also offers life insurance coverage, securing your family’s financial future.
  • Financial Discipline
    A 5-year investment and savings plan instils financial discipline and inculcates a habit of saving. You commit to regular deposits over a fixed period to grow your wealth.
  • Short-Term Goals Achievement
    An investment plan for 5 years helps you meet short- to medium-term financial goals.
  • Flexibility
    Many 5-year investment and savings plans offer flexible options, such as partial withdrawals or loan facilities. They provide liquidity during emergencies or unforeseen circumstances.
  • Tax Benefits
    Savings plans provide life coverage and tax benefits under Section 80C of the Income Tax#

How to Select a 5-Year investment and Savings Plan?

A 5-year plan provides several benefits. Here’s what you should consider before purchasing a plan:

  • Your Financial Goals
    Begin by identifying your financial goals and the purpose of the savings plan. Clarity on your objectives enables you to select an option that aligns with your needs.
  • Historical Performance 
    Review the historical performance of various 5-year plans over the years. You can gauge consistency and return potential from previous records.
  • Your Life Insurance Needs
    Evaluate your Human Life Value (HLV) to understand how much coverage you need. The amount should help your beneficiary or heir maintain their standard of living or meet their future financial goals.
  • The Insurance Company’s Reputation
    Choose a reliable and reputable insurance company. Identify insurers with a strong track record, good customer service, and a high claim settlement ratio. 
  • Policy Features
    Evaluate the features and benefits offered by different insurance providers. Look for policies that allow premium payment flexibility, withdrawal options, and additional riders. Ensure you find options that meet your specific needs and financial goals.
  • Costs
    Compare the charges associated with 5-year investment and savings plans from various companies. These may include premium allocation, policy administration, fund management, and surrender charges.

A 5-year investment and savings plan is an excellent investment option for individuals looking to secure their financial future. You can achieve stability, discipline, and potential growth over five years by committing to regular deposits that ensure guaranteed returns. When selecting a 5-year investment and savings plan, evaluate your needs and choose a plan accordingly. Making an informed decision and choosing a reputable institution helps you maximise the benefits of a 5-year investment and savings plan.

HDFC Life Sanchay Plus - Best Investment Plan with Guaranteed Returns

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Francis Rodrigues 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.

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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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Reviewed by Life Insurance Experts


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.

1. Guaranteed Benefit is paid on survival during Policy Term provided all due Premium(s) are paid during the premium payment term.

2. 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 above stated income tax slabs and tax benefits are subject to the provisions & conditions mentioned in the existing Income Tax Act, 1961. Tax Laws are also subject to change from time to time. It is requested to seek tax advice of your Chartered Accountant or personal tax advisor with respect to your personal tax liabilities under the Income-tax law.

**Get Rs. 1, 10,652 (annually) from 11th year to 20th year. Policy Term = 10 Years with HDFC Life Sanchay Plus Plan

ARN -  ED/06/23/2885