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Kotak e-Term Plan provides a high level of protection to your loved ones in your absence. Know more

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Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and provides an insurance cover against any eventuality. Know more

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Kotak Health Shield Plan helps secure your finances in sudden medical expenses such as Cardiac, Liver, Neuro, and Cancer (all early and significant illness stages/conditions of cancer), along with offering protection for personal accidents - in case of accidental death or disability. Know more

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Kotak Lifetime Income Plan gives you the security of your income continuing throughout your life and in your absence throughout your spouse's lifetime! Know more

Guaranteed Return Plans-Why is it a must for you?

 Guaranteed Return Plans-Why is it a must for you?
  • 20th Jun 2019 |
  • 2,517

You need to be careful when it comes to choosing investment guides or policies. It is important to keep a tab on the earnest benefits. Many investors tend to make the mistake of allowing the drifting market trends to have an impact on their investment decisions. Hence, it is very important that you thoroughly check the investment returns and evaluate it with your needs and requirements. In order to have a balanced portfolio, you need to consider guaranteed return investment plans.

What is a ’guaranteed returns plan’?

A guaranteed returns plan is an investment plan, which offers insurance coverage with maturity benefits, as well as, regular payouts. It will give you security by providing regular income, which is a pre-defined percentage of the sum assured. You can receive this income on a monthly, quarterly, half-yearly, or yearly basis. The quantum of return could be slightly lower as compared to what is offered by a market-linked plan. However, a guaranteed returns investment plan provides a higher security to your investment as compared to a market-linked plan.

What are the risks in short-duration investment returns?

When it comes to a market-linked short-duration investment plan, you earn returns based on the movement of the market. If the market does not perform well, you might lose the money invested in a short-duration investment plan. However, in case of a guaranteed returns plan, you earn the amount that is fixed right from the beginning. The amount of return will remain the same and the market movement will have no impact on your investment returns.

Advantages of guaranteed returns over short-duration investment returns

If you are looking for assured returns, the guaranteed investment plan is ideal for you. Since the returns are completely guaranteed, you will gain financial stability by investing in the plan. Another advantage is that the plan offers stability in your portfolio. The returns are distributed over the policy them; hence, you can remain stress-free about your future. The fund is secure from the volatility in the market and you can keep a track of where your money is going.

The amount of income you earn in a guaranteed returns plan can be tied up in a different plan for further benefits. Doing this will not only allow you to enjoy a higher return but you also help you grow your wealth. The overall fund value after maturity will increase and you will be able to achieve your financial goals such as children’s education or wedding. If you have a low-risk appetite and are not keen on investing in the volatile market, investing in a guaranteed returns plan is essential. Such investment will generate high benefits in the long term and keep your investment secure.

It is important to consider your long-term financial goals when choosing an investment product. Evaluate your portfolio before you add a guaranteed returns plan to it. Consider the interest on the investment and make a well-informed decision. If you are looking for a safe investment product with consistent returns, guaranteed return plans are ideal for you.

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Kotak e-Term Plan


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


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