The National Pension Scheme (NPS) is a government initiative open to employees in public, private, and unorganized sectors, expanding from its initial exclusivity to public sector personnel. This unique plan empowers policyholders to secure their future financially while exploring potential growth avenues. With a five-year lock-in period, it allows investors to switch between funds, optimizing returns.Īdditionally, contributions to ULIPs qualify for tax deductions under Section 80C. ULIP (Unit-Linked Insurance Plan) is a one-time insurance scheme that combines life coverage with investment opportunities, catering to individual risk preferences. Moreover, if not withdrawn at maturity, the cash is reinvested at new interest rates.Īdditionally, these fixed deposits qualify for tax deduction under Section 80C of the Income Tax Act, allowing investors to claim tax benefits of up to INR 1.5 lakhs annually when filing their income tax returns. With a minimum investment of INR 1,000, this one-time investment plan offers tenures ranging from one to five years.ĭepositors have the option to reinvest their interest, except for one-year deposits, and can redirect the interest to a five-year recurring deposit program. Post Office Fixed Deposit is a popular savings program, with interest rates determined by the Ministry of Finance quarterly. The flexibility to receive interest payouts at varying intervals – monthly, yearly, weekly, or daily – further enhances their appeal to a wide range of investors. ![]() FD is the best investment plan for 1 year to 5 years.ĭespite offering lower interest rates compared to other options, the guarantee of returns makes FDs highly attractive for long-term investments. In India, bank fixed deposits (FDs) reign as the most favoured low-risk one-time investment plan with assured high returns. These funds cater to various risk profiles and investment durations, including lump sum and Systematic Investment Plan (SIP) options.įor those seeking to achieve financial goals through long-term investing, equity mutual funds can provide a reliable means to navigate market volatility and generate better returns compared to traditional fixed deposits and savings accounts.įor investors juggling between options, understanding Choosing Between Mutual Funds and Smallcase: A Guide to Smart Investments can offer much-needed clarity. Equity mutual funds, with at least 65% invested in stocks, carry higher risk but offer the potential for substantial long-term returns. Mutual funds offer a strategic approach to investing by pooling capital from multiple investors. Moreover, they enjoy favourable tax treatment, making them an attractive option for investors seeking to profit from gold investments while optimising tax obligations. Gold ETFs reduce risks and expenses associated with owning real gold by eliminating the need for physical storage. Each unit represents one gramme of 99.5% pure gold and can be easily traded on stock markets. Gold exchange-traded funds (ETFs) offer a convenient and efficient way to invest in gold without the need to possess the precious metal physically.įunctioning as passive investments, these ETFs closely track domestic gold prices and are available in digital form. PPF also offers income tax deductions under Section 80C, with a maximum cap of ₹1,50,000 per financial year, making it a popular choice for long-term tax-saving investments. ![]() After five years, partial withdrawals are permitted. Investors can contribute a maximum of ₹1,50,000 annually, with a minimum of ₹500.įlexible investment options allow bulk sum or monthly contributions. With compounded returns, it offers attractive maturity benefits. The Public Provident Fund (PPF) is a government-backed investment scheme with a 15-year lock-in period. Taking all these factors into account, we present the best one-time investment plan to make the most of your bonus income. While equity investments present higher risks but potentially better long-term returns, debt investments offer safer yet fixed returns. Unit-linked Insurance Plans (ULIPs) offer a unique advantage by allowing investors to allocate their funds across different avenues, striking a balance between returns and security. ![]() Top 8 One-Time Investment Plans in Indiaįinding the right investment plan depends on various factors, including time horizon, risk tolerance, and personal comfort levels. ![]() The choice of instrument depends on individual financial goals and risk appetite, with higher-risk options offering the possibility of greater rewards. This option is suitable for investors with surplus funds and a high-risk tolerance.īy committing a substantial amount upfront, investors seek potential growth and return over the predetermined period. A one-time investment plan involves making a lump sum investment in a specific financial instrument for a fixed duration.
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