RESUME APPLICATION PAY PREMIUM
Fund Performance

Fund Performance

Knowledge Center

Knowledge Center

About Us

About Us

Tools and Calculators

Tools & Calculators

Quick links

Mobile (Download app)
  • Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

RESUME APPLICATION PAY PREMIUM

What do you want to do?

Quick links

Mobile (Download app)

Download HDFC Life App

Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!

Apple Logo Go to Google Play Store

What are the best investment plans with high returns?

down-arrow
What are the best investment plans with high returns?
April 29, 2021

Table of Content

 

As investors, we want to invest in the best investment plans in India to get maximum returns but with minimum risk involved. Every individual has a different objective to invest in, some invest in financial security while some invest to achieve their investment goals. You may choose your investment option to meet your objective based on your risk appetite, investment horizon, liquidity needs and financial goals.

It is recommended that before you finalise any investment decision you should go through all the available options carefully, consider the risks involved and the amount of return that you are aiming for through your investment strategy.

Given below are some of the best investment plans with high returns in India:

Low-Risk Investment

  1. PPF or Public Provident Fund:

    You can opt for PPT and open an account at a post office or a bank for a period of 15-20 years with a minimum contribution of Rs 500 and a maximum of 1.5 lakh per annum.

  2. Fixed Deposits:

    FD has a 5 year lock-in period. They assure you principal amount along with interest at deposited rates. Tax-saving FD can help save taxes however the interest earned is taxable.

  3. Post-Office Monthly Income Scheme:

    It is a monthly saving scheme, one of the popular saving schemes regulated by Post Offices in India, where you can open an account with a minimum amount of Rs 1500 and a maturity period of 5 years.

  4. National Savings Certificate:

    This scheme offers assured returns and tax benefits and comes with a tenure of 5 years. You can opt for this scheme at any post office and invest at an interest rate of around 8% compound P.A. which is determined by the Government of India every quarter.

High-Risk Investment

  1. Unit Linked Insurance Plan (ULIP):

    ULIP has the dual benefit of life insurance and market-related investment. It comes with a lock-in period of 3-5 years and assures tax benefits. It also offers different fund options based on your risk appetite.

  2. Debt/Equity Mutual Fund:

    if you are looking for a steady ROI then this is one of the best investment plan because they invest in fixed income instruments like government securities, debt or fixed deposits and market tools. They have limited risk, they are also less volatile and guarantee higher returns. The equity mutual funds invest at least 65% of their funds in equity and 35% are invested in debt & money market instruments. Although they involve high risk it gives investors the flexibility along with high-reward/return investment choice.

Moderate Risk Investment

  1. Monthly Income Plans (MIPs):

    You will earn a regular payout for every payment after paying your premium for a few years. Here at least 70% fund is invested in debt funds and the balance is invested in stocks.

  2. Hybrid-Debt Oriented Funds:

    The objective is to appreciate your income by investing in debt securities and money market instruments with moderate exposure to equities.

  3. Arbitrage Funds:

    This is a type of mutual fund for investors who would like to take advantage of volatile markets without taking much risk.

Show Full Article
Hide Full Article

Term Plan Articles Term Plan Articles

Investment Articles Investment Articles

Savings Articles Savings Articles

Life Insurance Articles Life Insurance Articles

Tax Articles Tax Articles

Retirement Articles Retirement Articles

ULIP Articles ULIP Articles

Health Plans Articles Health Plans Articles

Child Plans Articles Child Plans Articles

Popular Calculators Popular Calculators

Francis Rodrigues 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.

LinkedIn profile
Author Profile Written By:
Vishal Subharwal 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.

LinkedIn profile
Reviewed By Reviewed By:

Here's all you should know about life insurance.

We help you to make informed insurance decisions for a lifetime.

Who Should Know Your Financial Secrets? Here’s Why It Matters!

Who Should Know Your Financial Secrets? Here’s Why It Matters!

Know who in your family should be aware of your financial secrets. Understand why sharing financial information is crucial for securing your family's future.

How Rising Interest Rates Impact Your Investments—and What You Should Do About It

Preserving Your Investment: How New Tax Rules Affect Real Estate Sales Before 2024

Financial Freedom for Women Entrepreneurs: Unlocking Success with the 50-30-20 Strategy

Learn financial freedom for women entrepreneurs with the 50-30-20 strategy. Discover expert tips for balancing dreams, responsibilities, and achieving long-term growth.

Financial Freedom for Women Entrepreneurs: Unlocking Success with the 50-30-20 Strategy
Safe investment with high returns in India Previous
Build Wealth in 2021 with ULIPs Next
HDFC life
HDFC life

HDFC Life

Reviewed by Life Insurance Experts

HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER

We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

Popular Search

Popular Searches