Readers are advised to exercise their caution and not to rely on the contents of the article as conclusive in nature. Disclaimer: This article is issued in the general public interest and meant for general information purposes only. You should find options that fit your goals and milestones. However, as there are multiple options to invest in, you cannot expect to find a “One Size Fits All” plan. Saving and investment plans are an integral part of a financial planning as they help to build corpus for the life goals. And the longer you stay invested in a plan the chances are high that you will get better returns. Typically, the investment plans that offer high returns do not guarantee on the returns. So, it can be said that rate of return is indirectly proportional to the guarantee of return. However, if a plan doesn’t offer a high rate of return, it offers a nominal return amount. Also, it is worth keeping in mind that plans that guarantees higher returns have higher risk of investment. The longer your term, the better the returns you can expect. In any investment plan, the amount of returns depends on the time for which you stay invested in it. Which Investment Plans Offer the Highest Returns? The returns are guaranteed based on the investment period and the number of annual contributions that you make. For example, Canara HSBC Life Insurance iSelect Guaranteed Future is a life insurance cum savings plan that allows you to build a corpus over a period of time (as chosen by you), to help you attain your goals. Guaranteed saving or income plans offer life cover along with guaranteed returns to help you achieve the milestones of life easily. Let us consider the below-mentioned top investment options in India. Whether you have a short-term or long-term financial goal, consider your financial milestones and choose a plan accordingly. Generally, investment plans help you attain your life goals if you choose them as per the financial plan that you have.

Pension plans, Senior Citizen Savings Scheme, POMIS, etc. Turns your lump sum investment into a monthly or quarterly income Guaranteed savings plans, fixed deposits, etc., These investments keep your capital safe.ĭoesn't allow withdrawal within the first few years of investment Have a lock-in period or they do not allow premature withdrawalsĮquity stocks, mutual funds, ULIPs, PPF, NPS, etc.

Best to invest in right now