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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.
List of the best investment plans from top insurers with different duration values.
Disclaimer: Okbima does not endorse or promote any investment plans. Returns can fluctuate as per the market.
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:
Retirement Plans (Pension Plans)
Child Investment Plans (Child Education Plan)
ULIP Plan
Annuity Plan 
Endowment Policy
Capital_guarantee
Money Back Policy
Guaranteed Return Plan
Traditional Plan
Investment Plan for NRI 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.
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 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.
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.
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.
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
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.
Evaluate your current income and expenses to determine how much you can consistently save. Regular investments help achieve your financial goals over time.
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.
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.
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.
Compare the returns offered by different plans to identify the best option. Reviewing historical performance helps in making informed decisions.
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.
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. |
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
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
To buy the best investment plan in India, you need to provide certain documents as per the regulations and requirements of the investment provider.
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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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.
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