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Investing plays an important role in achieving financial success. With many investment plans to consider, it’s important to know the factors that affect your investment decisions. Be sure to pick the right investment plan that will grow your wealth and help you reach your financial goals on time.

Best Investment Plans With High Returns In 2024

List of the best investment plans from top insurers with different duration values.

Tata-AIA-Logo
Tata AIA Fortune Pro
3 Year Return
25.94%
5 Year Return
31.75%
10 Year Return
20.47%
Birla-Sun-Life-Logo
Birla Sun Life Wealth Aspire Plan
3 Year Return
24.01%
5 Year Return
25.73%
10 Year Return
18.69%
Bajaj-Allianz-Smart-Logo
Bajaj Allianz Smart Wealth Goal
3 Year Return
22.53%
5 Year Return
24.48%
10 Year Return
20.39%
Max-Life-Online-Savings-Plan-Logo
Max Life Online Savings Plan
3 Year Return
28.29%
5 Year Return
26.79%
10 Year Return
16.97%
HDFC-Standard-Logo
HDFC Standard Sampoorn Nivesh (11X)
3 Year Return
22.68%
5 Year Return
32.03%
10 Year Return
17.01%
PNB-Metlife-Mera-Wealth-Plan-Logo
PNB Metlife Mera Wealth Plan
3 Year Return
33.19%
5 Year Return
32.08%
10 Year Return
18.14%
Kotak-Mahindra-Logo
Kotak Mahindra OM E-Invest
3 Year Return
20.28%
5 Year Return
23.24%
10 Year Return
16%
Edelweiss-Tokio-Logo
Edelweiss Tokio Wealth Secure+
3 Year Return
24.49%
5 Year Return
28.97%
10 Year Return
14.18%
ICICI-Logo
ICICI Prudential Signature
3 Year Return
22.21%
5 Year Return
23.71%
10 Year Return
13.94%
aviva-life-Logo
AVIVA Life i-Growth
3 Year Return
15.31%
5 Year Return
18.49%
10 Year Return
12.72%
SBI-Life-Logo
SBI eWealth Insurance
3 Year Return
15.88%
5 Year Return
18.78%
10 Year Return
13.01%

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

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What Are Investment Plans In India?

Investment plans in India are financial tools created to help increase your wealth over time. These involve putting your money into different assets like stocks, bonds, mutual funds, real estate, or gold to earn returns. The first step to finding the best investment plan is to understand your financial needs and risk level. After that, select a plan that matches those needs.

Some of the best investment options in India are:

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.

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

Best investment policy in India 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 Plans In India

There are many types of investment plans in India which can be categorised into Low Risk Investment, Medium Risk Investment, and High Risk Investment Plans.

Low Risk Investment

Low risk investment plans 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 offer protection of the principal investment.
  • They provide potential returns and safeguard the invested amount.
  • These plans combine fixed-income options with equity exposure to balance safety and growth.
  • Popular capital guarantee products in India have historically offered returns ranging from 7% to 10%.
  • The typical tenure for these plans is 5 to 10 years, ensuring protection against market downturns.

Guaranteed Savings Plan

  • Guaranteed Savings Plans provide a secure investment option with assured returns.
  • These plans are typically offered by insurance companies.
  • Investors receive a predetermined amount at maturity, safeguarding them from market fluctuations.
  • The tenure of these plans ranges from 5 to 30 years, ensuring long-term stability.
  • They also offer tax benefits under Section 80C of the Income Tax Act.
  • Annual returns on these plans generally range from 4% to 7%.

Fixed Deposits

  • Fixed Deposits (FDs) are popular investment options in India, offering steady returns.
  • They are provided by banks and non-banking financial companies (NBFCs).
  • FDs offer assured returns at fixed interest rates.
  • Interest rates typically range from 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.
  • It is designed to promote the welfare of children girls.
  • The scheme was 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.
  • The minimum deposit required is Rs. 250, and the maximum is Rs. 1.5 lakh annually.

Public Provident Fund (PPF)

  • The Public Provident Fund (PPF) is a government-backed savings scheme.
  • It offers attractive interest rates and tax benefits.
  • The scheme was established in 1968 to promote long-term savings among citizens.
  • Investors can deposit up to Rs. 1.5 lakh annually.
  • The maturity period of a PPF account is 15 years.

Senior Citizen Savings Scheme (SCSS)

  • The Senior Citizen Savings Scheme (SCSS) in India is a government-backed savings scheme.
  • It is specifically designed for individuals aged 60 and above.
  • The scheme was launched in 2004.
  • The maximum investment limit is Rs. 15 lakhs.
  • The maturity period of the scheme is 5 years.
  • The maturity period can be extended for an additional 3 years.

National Pension Scheme (NPS)

  • The National Pension Scheme (NPS) is a voluntary, contributory pension system.
  • It was established by the government to provide retirement income to citizens.
  • NPS offers flexibility in investment choices.
  • It provides tax benefits to contributors.
  • The scheme is a popular retirement planning option for 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.
  • Investors can earn this income by investing in a lump sum amount.
  • The maximum deposit limit is Rs. 4.5 lakhs in a single account.
  • In a joint account, the maximum deposit limit is Rs. 9 lakhs.
  • POMIS is considered one of the best investment plans for generating monthly income.

National Savings Certificate (NSC)

  • The National Savings Certificate (NSC) is a government-supported investment program.
  • It offers fixed-income returns.
  • NSC provides attractive interest rates, typically ranging from 6.8% to 7.1%, compounded annually.
  • The investment matures after 5 or 10 years, ensuring a guaranteed return.
  • Interest earned through NSC is eligible for tax deductions under Section 80C of the Income Tax Act.

Gold

  • Gold investment plans continue to be a key part of investment portfolios.
  • The value of gold has increased by around 25% in the past five years.
  • Investors are attracted to various forms of gold, including physical gold, gold ETFs, and digital gold.
  • Since 1971, gold has provided an average yearly return of 10%.
  • Gold has outperformed major stock indices and serves as a reliable hedge against inflation.
  • Due to these benefits, gold is widely regarded as a top investment choice.

Real Estate

  • Real estate is a suitable investment option for risk-averse investors.
  • Historically, Indians have shown a strong preference for investing in real estate.
  • Many investors prefer purchasing land or apartments over other investment opportunities.
  • Despite its popularity, experts suggest that options like ULIPs, stocks, and mutual funds offer higher potential returns.

RBI Taxable Bonds

  • RBI taxable bonds provide a secure and steady source of income through fixed-income investments.
  • These bonds are issued by the Reserve Bank of India and backed by the Indian government.
  • They guarantee the principal amount and offer regular interest payments.
  • The current interest rate on these bonds is 8.05%.
  • RBI taxable 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.
  • MIPs aim to provide investors with a regular income stream.
  • These plans typically allocate a portion of funds to debt instruments, such as bonds and government securities.
  • MIPs also invest in equities for potential capital appreciation.
  • Historically, MIPs have offered returns ranging from 7% to 10% annually.
  • hey are attractive options for investors seeking steady income with moderate risk exposure.

Hybrid-Debt-Oriented Funds

  • Hybrid-debt-oriented funds combine both debt and equity instruments.
  • They aim to balance risk and return.
  • Typically, these funds invest 65-80% in debt securities.
  • The remaining portion is allocated to equities.
  • These funds offer stable returns with moderate risk.
  • They attract conservative investors looking for capital appreciation.

Arbitrage Funds

  • Arbitrage funds are mutual funds that exploit price differentials in the cash and derivatives segments of the equity market.
  • They aim to provide low-risk investments with relatively stable returns.
  • These funds focus on generating returns through market inefficiencies.
  • In India, the average annualised returns of arbitrage funds range from 4% to 6%.
  • They have outperformed traditional debt funds in terms of returns.

Exchange-Traded Funds (ETFs)

  • Exchange-Traded Funds (ETFs) in India have experienced significant growth.
  • The assets under management (AUM) of ETFs have surpassed Rs. 3 lakh crore.
  • ETFs provide investors with diversified exposure to various asset classes.
  • These asset classes include equities, bonds, and commodities.
  • ETFs are traded on stock exchanges such as 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 offering both insurance and investment components.
  • Premiums are allocated into various investment funds such as equity, debt, or balanced funds.
  • ULIPs provide flexibility in choosing investment options.
  • They offer tax benefits under Section 80C of the Income Tax Act.
  • ULIPs attract investors seeking both insurance coverage and wealth accumulation.

Mutual Funds

  • Mutual funds in India have witnessed exponential growth.
  • The assets under management (AUM) reached Rs. 31.18 trillion.
  • Mutual funds offer diverse investment options to cater to different risk appetites and financial goals.
  • Equity funds are the most popular, constituting a significant portion of the total AUM.
  • They are followed by debt and hybrid funds in terms of investment preferences.

Stock Market Investments

  • Investing in the Indian stock market provides promising opportunities for economic growth.
  • The Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) are the two major stock exchanges in India.
  • Investors can diversify portfolios across various sectors such as technology, finance, and pharmaceuticals.

Initial Public Offerings (IPOs)

  • Initial Public Offerings (IPOs) in India have seen a rise in recent years, indicating economic growth and increased investor interest.
  • According to The Economic Times, in 2024, around 62 companies have launched IPOs.
  • These companies collectively raised approximately Rs 64,477 crore.
  • The trend highlights India's attractiveness for capital investment.
  • A diverse range of industries are utilising IPOs to pursue expansion opportunities.
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Things To Remember When Choosing Investment Plans In India

Before choosing an investment plan in India, it's essential to assess several factors to ensure the plan fits your financial needs. Here are some key points to consider

Insurance Coverage

Some plans, like ULIPs, offer both investment growth and life insurance coverage. If you're looking for both protection and savings, check the insurance benefits included.

Income and Expenses

Evaluate your current income and expenses to determine how much you can consistently save. Regular investments help achieve your financial goals over time.

Future Expenses vs. Savings

Consider future major expenses, such as a child’s wedding, and choose investment options that align with these needs. Higher current investments can lead to greater returns over the next 15-30 years.

Number of Dependents

The amount you need to invest depends on how many people rely on you financially. Fewer dependents generally mean lower financial obligations, while more dependents require a larger investment.

Available Investment Options

With many investment plans available, conducting thorough research is crucial. OkBima financial advisor can help you choose the best option based on your specific needs.

Rate of Return

Compare the returns offered by different plans to identify the best option. Reviewing historical performance helps in making informed decisions.

Financial Goals

Clearly define your financial objectives, such as marriage, purchasing a home, or retirement. For young professionals, ULIPs are a good start, while those in their 40s or 50s may benefit more from mutual funds or endowment plans for long-term goals.

When Should You Buy an Investment Plan?

Investing is essential to achieving your financial goals, and the ideal time to start is when you're younger with fewer financial responsibilities. Early investment allows more time for growth. If you have specific short- or long-term goals, compare investment plans online based on your risk tolerance. For long-term investments, options like ULIPs and mutual funds are often suitable. For short-term goals, consider equity funds or the Public Provident Fund (PPF).

Here’s a brief guide for investment strategies at different life stages:

Age Strategies
20s Start by investing at least 10% of your income in low-cost options like ETFs or PPFs.
30s Increase your investment to around 15% of your income, focusing on low-risk options.
50s Boost your investment to 30% of your income, including higher risk plans like ULIPs.
Post-retirement Prioritise safe options like annuities or government-backed schemes.

How And Why To Start Investing?

How to Invest

Choosing the right investment plan requires careful consideration. Follow these steps to make the best decision

  • Identify your financial goals and needs

  • Set a timeline for each goal

  • Understand your risk tolerance

  • Explore various investment options

  • Diversify your portfolio to minimise risk

  • Seek professional advice to maximise returns

  • Regularly review and adjust your investments as needed

Why to Invest

Investing is essential for financial growth and security. It helps you

  • Build wealth over time and ensure future financial stability

  • Achieve key milestones, like buying a home or retiring comfortably

  • Develop financial discipline through regular investments

  • Reduce risk by diversifying across asset classes

  • Maximise returns by choosing the right investment strategy

Documents Required To Buy Investment Plans Online

To buy the best investment plan in India, you 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, nor is 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: Voter ID, Aadhaar Card, and Passport.
  • Age Proof: Voter ID, Aadhaar Card, and Passport.
  • Identity Proof: Pan Card, Aadhaar Card, and Passport.

Find The Best Investment Plans With OkBima

Looking to secure your financial future? Start by choosing the right investment plan with OkBima. With a wide range of investment options, you can easily find a plan that matches your goals—whether it's for short-term needs like buying a home or long-term milestones such as retirement or your child's education. Explore popular choices like ULIPs, pension plans, and child plans, all offering excellent returns over time.

Don't wait! Now is the perfect time to build your future through smart investments. Take advantage of double tax benefits, long-term life cover, and our easy comparison tool to find the ideal investment plan for you. Join 1 Lakh+ satisfied customers and start growing your wealth today.

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Disclaimers

You can get tax benefits under Section 80C with deductions up to Rs.1.5 lakhs from your taxable income per year. For policies bought after February 1, 2021, Section 10(10D) offers tax benefits for investments up to Rs.2.5 lakhs per year. Keep in mind that tax laws can change, affecting these benefits.

All savings are provided by the insurer as per IRDAI-approved insurance plans. Standard terms and conditions apply.

The lump sum shown assumes an investment of Rs.10,000 monthly for 10 years, with a policy term of 20 years. This is based on the performance of the past 10 years, assuming similar returns over 20 years. However, this is not guaranteed and may not reflect actual returns after 20 years. Investments are subject to market risk, and the policyholder bears this risk.

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Investment Insurance Blog/Articles/News 2024

Investment Insurance FAQs

Yes, but with some conditions. The best option for you will depend on your investment goals, risk tolerance, and investment time horizon. Some of the most popular options are mutual funds, fixed deposits, PPF, NPS, etc.

The best investment plans for 1 year are Arbitrage Funds, Fixed Deposits, Recurring Deposits, Fixed Maturity Plans, Post Office Deposits, and Debt Funds.

The best investment plans for 3 years are Recurring Deposits, Fixed Maturity Plans, Savings Accounts, Arbitrage Funds, and Liquid Funds.

The best investment plans for 5 years are Guaranteed Return Plans, Liquid Funds, Savings Accounts, Post-office Time Deposits, and Large Cap Mutual Funds.

To invest Rs. 1 Lakh per month, diversify across assets like stocks, mutual funds, and fixed deposits. Set financial goals, assess risk tolerance, and consult a financial advisor for tailored investment strategies to maximise wealth growth.

Diversify your investments with stocks, bonds, mutual funds, real estate, index funds, and ETFs to potentially maximise returns. Consult a financial advisor to tailor your strategy to your goals and risk tolerance.

Short-term investment strategies depend on individual goals and timeframes. For investments under a year, options like high-yield savings accounts, CDs, short-term bond funds, and money market accounts offer low risk and liquidity.

An investment plan can help you grow your wealth over time and achieve your financial goals.

Choosing between a short-term or long-term investment plan will depend on your financial goals and risk tolerance.

The safest investments with the highest returns are the Fixed Deposit (FD), Public Provident Fund (PPF), National Pension Scheme (NPS), Gold, Equity-Linked Savings Scheme (ELSS), Recurring Deposit (RD), and Real Estate.