Best One Time Investment Plans in India 2024 with High Returns

Investing wisely can shape a secure future. In India, there are several one time investment plans tailored to cater to different financial goals, risk appetites, and income needs. One time investment plans allow individuals to invest a lump sum at once, rather than in regular instalments. These investments are ideal for long-term goals such as retirement, children’s education, or other major life events. In this blog, we will explore the best one time investment plans in India for 2024 that offer high returns.

What Is a One Time Investment Plan?

A one time investment plan involves investing a large sum of money upfront in a financial scheme for a defined period. These plans allow your money to grow over time, helping you meet significant life goals without the need for regular investments. The profits generated can come from dividends, interest, or capital gains, depending on the scheme chosen.

Key Features of One Time Investment Plans:

• Single Upfront Payment: You invest a lump sum amount at once.
• Flexibility in Duration: You can select short-term or long-term investments.
• Potential for Higher Returns: A large one time investment can potentially yield better returns.
• Varied Choices: Includes mutual funds, fixed deposits, ULIPs, bonds, and more.
• Tax Benefits: Certain plans provide tax-saving advantages.

Best One Time Investment Plans in India

Let's explore some of the top one time investment options available in India for higher returns:

1. Unit Linked Insurance Plan (ULIP)

ULIP is a unique financial product that combines investment and insurance. A portion of the invested amount is used for life insurance, while the rest is invested in equity, debt, or a mix of both, depending on your risk appetite.

Key Features of ULIP:

• Dual Benefits: Offers life insurance coverage along with market-linked returns.
• Choice of Funds: You can switch between equity and debt funds based on market conditions.
• Tax Benefits: Premiums paid are eligible for tax deductions under Section 80C, and the maturity proceeds are tax-free under Section 10(10D).
• Flexible: Offers a lock-in period of 5 years, after which partial withdrawals can be made.

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2. Liquid Funds

Liquid funds are short-term investment options with a tenure of up to 91 days. These are suitable for those looking for minimal risk and short-term gains.

Key Features:

• Low Risk: Investments are made in low-risk debt securities.
• Tax Efficiency: Minimal tax impact, especially for short-term holders.
• High Liquidity: You can easily redeem your funds when needed.

3. Public Provident Fund (PPF)

A PPF is a long-term investment plan with a tenure of 15 years. It is one of the safest options backed by the Government of India, offering guaranteed returns.

Key Features:

• Risk-Free Investment: Government-backed and secure.
• Tax Benefits: Contributions are tax-deductible under Section 80C, and the maturity proceeds are also tax-free.
• Low Risk: Ideal for conservative investors looking for assured returns.

4. Fixed Deposits (FD)

Fixed Deposits are one of the most traditional and secure one time investment plans, offering a fixed rate of interest over a predetermined period.

Key Features:

• Guaranteed Returns: The interest rate is fixed, providing predictable returns.
• Tenure Flexibility: Choose from a few days to several years.
• Low Risk: An ideal option for risk-averse investors.

5. Debt Funds

Debt funds are a low-risk investment option that provides a steady income flow by investing in fixed-income securities such as government bonds and corporate debt.

Key Features:

• Low Risk: Suitable for conservative investors.
• Tax Benefits: Taxation depends on the duration of the investment.

6. Gold ETFs

Gold ETFs are a great option for those who prefer to invest in gold but want the flexibility of trading like stocks.

Key Features:

• Flexible Investment: Offers both short-term and long-term holding periods.
• Moderate Risk: Investment is influenced by gold price fluctuations.

7. Sukanya Samriddhi Yojana

This government-backed scheme is designed specifically for parents of girl children, offering high interest rates with tax benefits.

Key Features:

• Long-Term Savings: Maturity is up to 21 years or until the girl’s marriage.
• Tax-Free Returns: Eligible for tax deductions under Section 80C.
• Low Risk: Government-backed, making it a secure investment option.

8. National Pension Scheme (NPS)

A retirement-focused investment, NPS allows both lump sum and regular contributions. It invests in a mix of equity, bonds, and government securities.

Key Features:

• Moderate Risk: Offers a balance of returns from equities and fixed-income securities.
• Tax Benefits: Contributions are tax-deductible under Section 80C, and additional benefits are available under 80CCD(1B).

Benefits of One Time Investment Plans

• Long-Term Financial Growth: Best one time investment plan in India offers long-term returns that help you secure your future.
• Convenient: You make a one time payment and can focus on other financial goals without worrying about monthly contributions.
• Low Risk: Many one time investment plans, like FDs and PPF, come with minimal risk.
• Tax Benefits: Several plans, like ULIPs, PPF, and Sukanya Samriddhi Yojana, offer tax-saving advantages.

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Who Should Consider One Time Investment Plans?

• Busy Professionals: If you don’t have time to monitor your investments regularly, a one time plan could be ideal.
• New Investors: These plans offer a simple way to start investing without worrying about recurring payments.
• Parents: If you want to secure your child’s future, plans like Sukanya Samriddhi Yojana offer excellent options.

Summing It Up…

One time investment plans are an excellent way to secure your financial future and meet long-term goals. Whether you are planning for retirement, your children’s education, or simply looking for a secure investment option, these plans provide flexibility, tax benefits, and the potential for high returns. Evaluate your financial needs and risk appetite before choosing the best one time investment plan with high returns for you.