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Investment Plans

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Investment plans are strategies that individuals or institutions use to grow their financial wealth over time. These plans involve putting money into various assets such as stocks, bonds, real estate, ULIP plans, annuity plans, capital guarantee plans, and businesses to generate profit. Depending on one's financial goals and risk tolerance, there are different types of investment policies to choose from, each offering potential returns and levels of risk.

What Is Investment Plan?

An investment policy in India is a strategy to grow your wealth over time. It considers your financial goals, risk tolerance, and investment horizon to create a portfolio of investments that aligns with your needs. A well-structured investment policy can help you to build a solid financial foundation and secure your future.

Some investment options in India include:

  • Retirement Plans (Pension Plans)
  • Child Plans (Child Education Plan)
  • ULIP Plan
  • Annuity Plan
  • Endowment Policy
  • Capital Guarantee Plan
  • Money Back Policy
  • Guaranteed Return Plan
  • Traditional Plan
  • Investment Plan for NRI in India

Best Investment Plan With High Returns in India 2024

There are the best investment plans with high returns in India which include Tata AIA Fortune Pro, Birla Sun Life Wealth Aspire Plan, Bajaj Allianz Smart Wealth Goal, Max Life Online Savings Plan, etc.

Investment Policies 3 years return 5 years return 10 years return  
tata_aia_fortune_pro 27.23% 28.59% 22.51% View Plans
birla_sun_life 25.01% 21.37% 21.09% View Plans
Bajaj-Allianz-Health 23.44% 19.51% 20.39% View Plans
Max Life Online Savings Plan 28.29% 26.79% 20.21% View Plans
HDFC Standard Sampoorn Nivesh (11X) 24.77% 26.65% 19.81% View Plans
PNB Metlife Mera Wealth Plan 35.23%+ 30.62% 19.37% View Plans
Kotak Mahindra OM E-Invest 17.42% 18.35% 16.89% View Plans
Edelwiess Tokio Wealth Secure+ 25.49% 22.89% 15.69% View Plans
ICICI Prudential Signature 18.94% 16.76% 15.02% View Plans
AVIVA Life i-Growth 14.83% 15.01% 14.61% View Plans
SBI eWealth Insurance 13.65% 15.04% 14.38% View Plans

Disclaimer: Okbima does not endorse or promote any investment plans. Returns can fluctuate as per the market.

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Benefits Of Investment Plans In India

The best Investment options in India offer many benefits to grow your wealth and secure your financial future like as help in wealth accumulation, tax savings, diversification, etc.

Benefits of Investment Policies:

Wealth Accumulation

Investment plans provide revenue to grow wealth over time. Through systematic investments, you can benefit from the power of compounding. For example, investing in equity mutual funds has historically yielded an average return of around 12-15% over the long term.

Tax Savings

Some investment policies offer tax benefits under Section 80C of the Income Tax Act, 1961. For example, investments in the Public Provident Fund (PPF), Equity Linked Savings Schemes (ELSS), and National Pension System (NPS) are eligible for tax deductions up to Rs. 1.5 lakhs per annum.

Diversification

Best investment plan in India allows you to diversify your portfolios across various assets such as equities, bonds, real estate, and gold. Diversification helps you to reduce overall risk and increase the potential for returns.

Financial Goals Planning

Investment policy helps you to plan and achieve your financial goals, whether short-term (e.g., buying a car) or long-term (e.g., retirement planning). By setting clear investment objectives and strategies, you can make informed decisions to grow your wealth over time. It is essential for building a secure financial future.

Liquidity

While some investment options like Fixed Deposits (FDs) have a lock-in period, many others offer liquidity, allowing you to access your funds when needed. For example, mutual funds offer high liquidity with no lock-in period (except for ELSS, which has a three-year lock-in).

Retirement Planning

The best investment plans in India such as the National Pension System (NPS) specifically cater to retirement planning. The NPS offers the option to choose between various asset classes and provides a regular income stream post-retirement.

benefits_investment_policy

Types Of Investment Policies In India

There are so many types of good investment plans in India which can be categorized into Low-Risk Investment, Medium Risk Investment, and High-Risk Investment.

Low-Risk Investment

Low-risk investment options are ideal for conservative investors looking to protect their capital or we can say this is Safe Investments with High Returns In India. While the returns may be lower compared to riskier investments, they offer stability and security.

  • Capital Guarantee Plans: Capital Guarantee Plans in India assure investors of protecting their principal investment while also providing potential returns. These plans combine fixed-income options with equity exposure, ensuring a balance of safety and growth. For example, popular capital guarantee products in India offered returns ranging from 7% to 10% over a tenure of 5 to 10 years, protecting the initial investment against market downturns.
  • Guaranteed Savings Plan: Guaranteed Savings Plans offer a secure investment avenue with assured returns. Typically offered by insurance companies, these plans ensure a predetermined amount at maturity, protecting investors from market fluctuations. With tenure ranging from 5 to 30 years, they provide stability and tax benefits under Section 80C of the Income Tax Act where annual returns often range from 4% to 7%.
  • Fixed Deposits:  Fixed deposits (FDs) in India are popular investment options offering steady returns, offered by banks and non-banking financial companies (NBFCs), FDs provide assured returns at fixed interest rates ranging from around 2.5% to 7% depending on the tenure and the financial institution.
  • Sukanya Samriddhi Yojana: Sukanya Samriddhi Yojana is a government-backed savings scheme in India aimed at promoting the welfare of girl children. Launched under the Beti Bachao, Beti Padhao campaign, it offers attractive interest rates and tax benefits. Parents can open accounts for girls aged 10 or below, with a minimum deposit of Rs. 250 and a maximum of Rs. 1.5 lakh annually.
  • Public Provident Fund (PPF): The Public Provident Fund (PPF) is a government-backed savings scheme offering attractive interest rates and tax benefits. Established in 1968, it aims to encourage long-term savings among citizens. Investors can deposit up to Rs. 1.5 lakh annually, with a maturity period of 15 years.
  • Senior Citizen Savings Scheme (SCSS):  The Senior Citizen Savings Scheme (SCSS) in India is a government-backed savings scheme designed for individuals aged 60 and above. Launched in 2004, this scheme has a maximum investment limit of Rs. 15 lakhs and a maturity period of 5 years, extendable for another 3 years.
  • National Pension Scheme (NPS): The National Pension Scheme (NPS) is a voluntary, contributory pension system established by the government. It aims to provide retirement income to citizens. NPS offers flexibility in investment choices and tax benefits, making it a popular retirement planning option among individuals across various income groups in India.
  • Post Office Monthly Income Scheme (POMIS): The Post Office Monthly Income Scheme (POMIS) offers individuals a fixed monthly income by investing in a lump sum amount. Investors can deposit a maximum of Rs. 4.5 lakhs in a single account, or Rs. 9 lakhs in a joint account, and makes it the best investment plan for monthly income.
  • National Savings Certificate (NSC): The National Savings Certificate (NSC) is a government-supported investment program that offers fixed-income returns. It offers attractive interest rates, typically around 6.8% to 7.1% compounded annually. The investment matures after 5 or 10 years, providing a guaranteed return. The interest earned through the National Savings Certificate (NSC) is eligible for tax deductions under Section 80C of the Income Tax Act.
  • Gold: Gold investment plan remains an important investment portfolio, with its value increasing by around 25% in the past five years. Investors are drawn to various forms of gold, such as physical gold, gold ETFs, and the growing digital gold sector. Over the years, gold has provided an average yearly return of 10% since 1971, surpassing major stock indices and acting as a reliable hedge against inflation. Due to these factors, gold is widely regarded as a top choice for investors.
  • Real Estate: Real estate can be a suitable choice for investors who are cautious about taking risks. Throughout history, Indians have shown a strong preference for real estate as an investment. Many investors favor purchasing land or apartments over other available investment opportunities. Although real estate is popular, experts suggest that options like ULIPs, stocks, and mutual funds have higher potential for returns.
  • RBI Taxable Bonds: RBI taxable bonds provide investors with a secure and steady source of income through fixed-income investments. These bonds, issued by the Reserve Bank of India and backed by the Indian government, guarantee the principal amount and offer regular interest payments. With a current interest rate of 8.05%, these bonds offer higher returns than most fixed deposits available in the market.

Medium Risk Investment

Medium-risk investment options carry a moderate level of risk and offer the potential for higher returns compared to low-risk investments like savings accounts or money market funds.

  • Monthly Income Plans: Monthly Income Plans (MIPs) are investment schemes offered by mutual funds that aim to provide investors with a regular income stream. These plans typically allocate a portion of funds to debt instruments like bonds and government securities, while also investing in equities for potential capital appreciation. MIPs have historically offered returns ranging from 7% to 10% annually, making them attractive options for investors seeking steady income with moderate risk exposure.
  • Hybrid-Debt-Oriented Funds: Hybrid-debt-oriented funds combine debt and equity instruments to balance risk and return. These funds typically invest a significant portion, around 65-80%, in debt securities while allocating the rest to equities. Offering stable returns with moderate risk, they attract conservative investors seeking capital appreciation.
  • Arbitrage Funds: Arbitrage funds are mutual funds that exploit price differentials in the cash and derivatives segments of the equity market to generate returns. They aim to offer low-risk investments with relatively stable returns. The average annualized returns of arbitrage funds in India ranged from 4% to 6%, outperforming traditional debt funds.
  • Exchange-Traded Funds (ETFs):  Exchange-Traded Funds (ETFs) in India have seen significant growth, with assets under management (AUM) surpassing Rs. 3 lakh crore. ETFs offer investors diversified exposure to various asset classes, including equities, bonds, and commodities while trading on stock exchanges like NSE and BSE.

High-Risk Investment

A high-risk investment option refers to investments that have a higher potential for losses but also higher potential returns. While high-risk investments can be rewarding, they also come with a greater chance of losing money.

  • Unit Linked Insurance Plans (ULIPs): Unit Linked Insurance Plans (ULIPs) are hybrid financial products that offer both insurance and investment components. They allocate premiums into various investment funds such as equity, debt, or balanced funds. ULIP provides flexibility in investment choices and tax benefits under Section 80C of the Income Tax Act, making them attractive to investors seeking both insurance coverage and wealth accumulation.
  • Mutual Funds:  Mutual funds in India have seen exponential growth, with assets under management (AUM) reaching Rs. 31.18 trillion as of December 2023. These funds offer diverse investment options catering to varying risk appetites and financial goals of investors. Equity funds remain popular, constituting a significant portion of total AUM, followed by debt and hybrid funds.
  • Stock Market Investments: Investing in the Indian stock market offers promising opportunities for economic growth. With the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE) as major players, investors can diversify portfolios across various sectors like technology, finance, and pharmaceuticals.
  • Initial Public Offerings (IPOs): In India, Initial Public Offerings (IPOs) have raised in recent years, reflecting the country's economic growth and investor interest. According to data from the Securities and Exchange Board of India (SEBI), there were over 50 IPOs launched in 2023, raising a total of approximately $10 billion. This trend shows India's attractiveness as a destination for capital investment, driven by a diverse range of industries seeking expansion opportunities.
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How To Choose The Best Investment Plans In India?

Choosing the best investment policies in India requires careful consideration of various factors such as your financial goals, risk tolerance, investment horizon, and current market conditions.

Identify Your Financial Goals

Determine your short-term, medium-term, and long-term financial goals. Whether it's buying a house, funding education, retirement planning, or wealth accumulation, your investment choices should align with your objectives.

Understand Your Risk Profile

Identify your risk tolerance before investing. If you're comfortable with volatility and have a long investment horizon, you may opt for higher-risk instruments like equities. For those seeking stability, fixed-income options might be preferable.

Consider Tax Implications

Evaluate the tax implications of different investment options. Some investments offer tax benefits under Section 80C of the Income Tax Act, while others may attract capital gains tax.

Diversify Your Portfolio

Spread your investments across different asset classes to reduce risk and optimize returns. Diversification helps mitigate the impact of market volatility on your portfolio.

Documents Required To Buy Investment Plans Online

To buy the best investment plan in India, you typically need to provide certain documents as per the regulations and requirements of the investment provider.

For Salaried Individuals
  • Income Proof: Form 16 of the latest year, the Last 3 months' bank statement showing salary credit, and income tax return for the last 2 years.

  • Address Proof: Voter ID, Aadhaar Card, and Passport.

  • Age Proof: Voter ID, Aadhaar Card, and Passport.

  • Identity Proof: Pan Card, Aadhaar Card, and Passport.

For Self-Employed Individuals
  • Income Proof: Form 26AS, or Income tax returns of the last 2 years are not filed in the same year along with income calculation. If income computation is unavailable, it indicates that the income tax returns (ITRs) for the past three years were not filed within the same fiscal year.

  • Address Proof: Aadhaar Card, Passport, and Voter ID.

  • Age Proof: Aadhaar Card, Passport, and Voter ID.

  • Identity Proof: Pan Card, Aadhaar Card, and Passport.

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Investment Insurance FAQs

Because the funds in a ULIP are tied to the stock market, their performance is directly influenced by the stock market. As a result, the performance of each ULIP is determined by the market.

The following are the benefits of the policy: -

You get a secured source to invest your funds

You get to choose the number of years you want to invest for

You are able to make goal-based investments

You get maturity benefits on surviving the term of the policy

In case of the death, the nominee receives the death benefit and hence the family is financially protected during the most unfortunate times.

The premium paid for investment insurance plan is eligible for tax deduction U/S 80C and 10(D) of Income Tax Act.

You are able to get a secured loan against the corpus built by you through investment or the surrender value of the policy at that point of time

You need not put your funds at two different places. Single source fulfils your investment as well as insurance needs

The amount paid as premium as well as yield on the investment made can serve to fulfil the retirement needs of the policy holder

In case, the policy holder does not want to continue with the plan, he can opt to surrender and receive the surrender benefits, however it can be done after a specific period or as defined by the insurance company of your investment plan

Investment Insurance plans are safer because they guarantee returns even if you live longer than the policy term. Your nominee would get the sum promised if you died tragically before the conclusion of your insurance term.

There are a variety of tax-advantaged investment and insurance plans, such as ULIPs, where tax assets can claim benefits for the amount invested. An individual is entitled to a deduction under sections 80 C and 80 D of the Indian Income-tax Act for investments made or premium payments made under an insurance plan.

Investment and insurance plans are personalised investment routes for an individual with the goal of creating a disciplined and periodic investment in various funds in order to reach their long-term financial goals, as well as some insurance coverage.

Here are a few of the best investment insurance policies on the market in India:

Unit Linked Investment Plans (ULIP)

Guaranteed Return Plan

Money Back Plan

Monthly Income Plan

Participating Endowment Plan

In an investment strategy, there are two types of funds: equity and debt. An equity fund offers large rewards but also comes with a high level of risk. A debt fund is more steady, less risky, and provides moderate but predictable returns.

Equities and large-cap mutual funds are two investing options in India that have the potential for high returns. However, before participating in these investment plans, you should talk with your financial advisor and request their assistance in investing and managing your investment portfolio.

Paying premiums for an investment plan is as simple as it gets these days, as all you have to do is come to our website and pay the premium online. If you want to pay the premium in cash or by check, you can do it at our office.