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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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What is a One Time Investment Plan?
A one time investment plan is a financial product where a single lump sum of money is invested for a set period. This type of investment plan is ideal for individuals with extra cash who are willing to take on some risk. It is not designed for immediate financial needs but can be a smart way to grow money over time. One time investments can go a long way in answering your query - what is investment?
10 Best One Time Investment Plans in India
One-time investments are best chosen according to the amount and time of the investment. Let us learn the best one-time investment plans in India from the table below:
Sr. No. |
Types of One-time Investment Plans |
Ideal Investment Period |
Right Time to Invest |
Tax Benefits On Investment Amount |
Tax Benefits on Maturity Amount |
Risk Factor |
1 |
Equity Funds |
5 years and above 3 years for the ELSS Scheme |
If you have spare money available for a long period of time |
ELSS: Deductions under Sec 80C of the Income Tax Act |
At the end of the 1 year holding period, tax benefits are available |
High |
2 |
Debt Funds |
3 years &Above |
Invests for less than 5 years Tax implications are lower if you invest for more than 3 years |
N/A |
Indexation benefits on returns at the end of a 3-year holding period |
Low |
3 |
Liquid Funds |
3 years or less if it's not a SIP |
If you have not yet decided on the best long-term investment plan in India |
N/A |
Holding for 3 years or more attracts lower tax due to indexation benefits |
Medium |
4 |
Fixed Deposits (FD) |
7 days to 10 years Depending on your investment horizon |
when you want to avoid market-volatility risks |
N/A |
N/A |
Lowest |
5 |
5-Year Tax Saving FDs |
Minimum 5 years to gain tax benefits |
Extra funds can be used to reap the tax benefits of fixed returns |
Tax benefits u/ deductions under 80C of the IT Act |
Sec 10(10D) of the IT Act provides tax benefits on returns |
Lowest |
6 |
Public Provident Fund(PPF) |
For a stable and high-returning corpus, 15 years is recommended |
As a safe investment for the retirement period |
Deductions under Section 80C of the Income Tax Act, 1961# |
Tax-free returns |
Lowest |
7 |
Sukanya Samriddhi Yojana (SSY) |
SSY account up to 21 years or until the girl child marries |
Providing tax benefits while creating a fund for the education of girls |
Tax deductions u/Section 80C of the IT Act, 1961 |
Interest earned and Maturity amount is Tax-free |
Lowest |
8 |
National Pension Scheme (NPS) |
Till the age of 60-70 years |
A one-time investment plan that creates a retirement fund and provides tax benefits |
Benefits under Section 80C and 80CCD of the Income Tax Act, 1961# |
Taxable |
Low |
9 |
Gold Assets |
It Depends on the investor |
Invest any time and earn huge inflation-linked returns |
N/A |
N/A |
Lowest |
How Does a One Time Investment Plan Work?
A one time investment plan involves making a lump sum investment in a financial product instead of contributing regularly, such as monthly or yearly. The best one time investment plans offer investment options including stocks, bonds, mutual funds, fixed deposits, and insurance policies. Each product comes with its own potential returns and associated risks. This is how a one time investment plan works:
Choosing an Investment Product
Mutual funds, bonds, stocks, fixed deposits, and insurance policies are all a part of the one-time investment plans. Since every product has its probable risks and returns. The first step is to choose an investment product that suits your financial goals and risk tolerance level.
Making the Investment
It is recommended that you make an informed decision and invest in the product of your choice in a lump sum. Individuals who have a lump sum amount and intend to get higher returns for an investment can choose the best one time investment plan.
Compounding and Growth
The compounding effect is these financial instruments enable exponential growth of your investment. This is because the returns from the investment also yield profits periodically.
Who Needs a One-Time Investment Plan?
Category of Investors |
Description |
Why an One Time Investment Plan is Beneficial |
Professionals |
Young graduates who have just started their careers. They have a scope for long term investment. |
They can invest lump sum amounts like bonuses or incentives in one time investment plans and earn high returns for the long term either for retirement or future financial goals. |
Risk-averse |
This category of investors has a very low-risk appetite and prefers a stable income. |
A one time investment plan can be utilised for low-risk options like fixed-income securities that are part of the plan. They can earn a steady income and don't have to worry about market fluctuations. |
NRI (Non-Resident Indians) |
These individuals are working in foreign countries and prefer to invest in India. |
They can choose OTIPs as they do not involve regular contributions. |
Nearing Retirement |
For good returns on their retirement benefits received in a lump sum. |
They can invest their retirement benefits in the best one time investment plan with high returns instead of going for safer options. This way they can grow their investment corpus while managing the investment time frame. |
Inheritance |
Individuals who have received a lump sum in inheritance. |
To get maximum returns and grow their inheritance over a period, they can choose to invest in the best one time investment plan with higher returns. The money grows while they are contemplating the best way to utilise the inherited funds. |
Advantages of One Time Investment Plans
The advantages of one time investment plan include the following:
Convenience of investing
In case of a one-time investment plan you don’t need to worry about investing on particular due dates. It saves you from the hassle of remembering your due date and pay your premiums before the due date.
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Higher Returns in the Long-Term
One –time investments have the advantage of providing higher returns in the long-run as the investors stays invested for a longer term without having to worry about their money on a regular basis. Since in case of a one –time investment the entire sum of money stays invested, it has the opportunity to appreciate over the time period due the power of compounding. To better understand and plan these potential returns, using a ULIP Calculator can be highly beneficial.
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Low transaction charges
When you invest a lump sum amount through a one-time investment plan you can avoid the transaction charges associated with regularly occurring investments. With a one-time investment plan you only have to pay the transaction charge only once and thus end up paying lower transaction charges.
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Capital growth
When you invest in a market linked investment products your returns are depended on the market performance and thus can undergo fluctuations from time to time. With a one-time investment plan you have the opportunity grow your wealth over the entire tenure of your investment and curb the impacts of market fluctuations.
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Taxability Benefits
In some jurisdictions and with certain investment options, the best investment plan with high returns may offer tax advantages. Depending on the circumstances, investments may be eligible for tax deductions.
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Aligns With Your Investment Goals
Investors may better coordinate their investments with their long-term financial objectives with the help of the best one time investment plan. Any long-term goal, like retirement, buying a house, or paying for college, may be accomplished with a lump sum investment. Taking a laser-like focus on one time investment plan financial goals might help investors maintain self-control and dedication. For Non-Resident Indians (NRIs) looking to invest back home, exploring Investment Plans for NRI can provide unique opportunities that align with their specific financial situations and goals.
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Disadvantages of One Time Investment Plans
Some of the disadvantages of one time investment plan include the following:
Lack of disciplined investment
In case of a one-time investment plan there is no opportunity to develop the discipline of investing regularly as you invest a lump sum amount only once.
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No flexibility of Investment
One-time investment plans fails to offer you the flexibility of changing your investment strategy as the investment can’t be changed in between the tenure since it’s a lump sum investment
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Lack of liquidity Funds
In case of one-time investments you are restricted when it comes to liquidity as the entire amount is investment all at once and withdrawing might be associated with additional transaction charges
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Risk of Investing in Low Returns Investment Plans
While investing in an one-time investment plan you might face of risk of ending up investing in a instrument that is underperforming and are restricted from changing your investment approach as the entire amount has been invested all at once
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May Suffer Losses in Market Fluctuations
Investing once makes you more likely to feel the full force of market volatility and swings. When you invest all of your money at once, you leave yourself up to the possibility of a market crash just after you make your tax-saving investments. You risk losing money if your investment's value drops due to strong market swings or a slump soon after you invest. There is no way to reduce the risk of market conditions volatility with a one-time investment. This might increase risk and volatility, hurting your portfolio's performance.
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Factors Affecting One-time Investment Plan Decisions
Make your Investment choices wisely
Making the wrong choice when it comes to a one-time investment plan could result in financial losses, which is something no one desires. Therefore, it is important to take the time to select an appropriate plan in order to get the most out of your investments.
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Learn about market valuation
Before committing to a one-time investment, it is important to first gain an understanding of the investment market. This can be done by researching online, reading books, and speaking to financial experts. A fund's historical performance trend and investment calculations are also important to examine.
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Determine your investment return and liquidity
Before selecting a one-time investment plan, consider whether you prefer a long term or short term investment approach. Doing a bit of research about investing in funds is beneficial.
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The key is patience
When you have committed to a single-time investment scheme, it is vital to remain calm and not act hastily during market fluctuations. As a rule, the market cycle takes time to run its course. If you are anticipating quick returns, do not invest in a one-time investment plan.
...Read More
Grow your money
Having idle money in your financial portfolio is a missed opportunity to make a profit. You should wisely invest that money in the best one-time investment plan to gain lucrative returns over time.
...Read More
Why Should You Choose HDFC Life's One Time Investment Plan?
With HDFC Life's One Time Investment Plan, you may achieve your financial objectives and safeguard your loved ones with a complete bundle of benefits:
- An array of equity, debt, and balanced fund choices are at your fingertips with HDFC Life's One Time Investment Plan. Your investing approach may then be adjusted to fit your level of comfort with risk and your long-term investments goals.
- Start your investment with fewer premiums and enjoy the freedom. Start your investing journey off on the right foot with a realistic financial commitment from HDFC Life.
- Take advantage of the policy's term to profit from your investment's prospective growth. Investing systematically and disciplined in HDFC Life's One Time Investment Plan will help you build wealth.
- With the savings plan offered by HDFC Life's One Time Investment Plan, you may secure your family's financial future. Your loved ones will be safeguarded in the case of your untimely demise thanks to the plan's extensive life cover insurance.
For instance, you want to invest ₹1,00,000/- in a life insurance policy for ten years using HDFC Life's One Time Investment Plan. Your investment has the potential to grow to about ₹ 1,61,051/- by the end of the policy term, assuming a conservative return rate of 5%.
Your investment has the potential to increase to 2,59,374/- in the same time frame, assuming the market does well and you get a 10% return each year.
If you were to pass away while the insurance was in effect, your loved ones would get the amount insured, which would help them weather a problematic financial storm.
To fulfill your unique requirements and goals, choose the One Time Investment Plan from HDFC Life. It offers growth potential, flexibility, and financial safety.
Note – The above example is only for illustration purposes
FAQs on One Time Investment plans
1 What are one-time investments?
A person makes a one-time investment when they simultaneously put all of their money into a financial product or instrument. The difference between a one-time investment and a systematic investment plan (SIP) is that the former requires regular contributions. In contrast, the latter requires a large amount to be set aside immediately.
2 What is a one-time investment?
A lump sum investment is another name for a one-time investment plan high return. Due to the one-time character of the investment, this word highlights its singularity.
3 What is the best one time investment plan?
You should consider a one-time investment based on your investment objectives, risk tolerance, and investment horizon.
4 What are the advantages of a one-time investment?
If the market does well over the investing term, a one-time investment might yield more than a series of smaller investments.
5 Can I invest only one time?
Yes, you can choose to invest in the best investment plans with the option to make either a single lump sum payment or periodic instalments. One-time investment plans allow for a Single Pay option, whereas SIPs allow for payments to be made on a monthly, quarterly, half-yearly or yearly basis.
6 Is one time SIP good?
With SIPs, you can invest a small amount of money consistently, which helps to even out the cost of your investment despite market fluctuations.
7 How to invest Rs. 10,000 at a one-time?
Start early with one-time investments such as equity mutual funds, debt mutual funds, liquid funds, fixed deposits, gold assets, and government schemes such as life insurance, PPF, EPF, and Sukanya Samriddhi Yojana.
8 What are other options for a one-time investment?
When you invest a significant quantity all at once, the money goes straight into the market or your investment option, so you may start seeing returns immediately. One-time investments are a great option since they are easy to understand and only involve a single decision-making process. Investing once may maximise profits due to reduced transaction costs since fewer transactions are involved than SIPs.
9 Is a one-time investment better than SIP?
A person's financial objectives, risk tolerance, and investment horizon are the most important considerations when deciding whether to invest once or establish a systematic investment plan (SIP). While it's easy and might provide returns right away with a lump sum, systematic investment plans (SIPs) allow for rupee-cost averaging and disciplined investing over the long haul. An investor's goals, financial situation, and personal preferences should be considered while deciding between the two.
10 What are some risks associated with One-time investment?
One-time investment plans are ideal for wealth growth. However, there are certain risks associated with the plan. They are:
- Market Risk: A onetime investment plan is not devoid of market risks. Market fluctuations can impact the investment and sometimes lead to significant losses.
- Flexibility: The flexibility to switch funds is very remote. Once you have invested the funds, it may be difficult to reallocate them to align with the market trend.
- High Upfront Payment: You will need a substantial amount for higher returns.
- Susceptible To High Losses: The return on investment depends on the market trend. If the market is low, you may suffer significant losses, especially if you do not have a diverse portfolio.
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- Provided all due premiums have been paid and the policy is in force.
- Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.
#Tax benefits & exemptions are subject to conditions of the Income Tax Act, 1961 and its provisions. Tax Laws are subject to change from time to time. The customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
~ This is the return of the benchmark index fund and not indicative of HDFC Life Top 500 Momentum 50 fund performance (SFIN - ULIF07616/10/24Top500MoFd101). Source: https://www.nseindia.com/
ARN: MC/07/24/13080
