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How To Invest In Guaranteed Return Plans For Higher Returns And Financial Security?

You can have the security of the future with guaranteed return plans as opposed to a high-risk, high-reward strategy. Read ahead to know how.

  • Jan 13, 2023

Key takeaways

Types of guaranteed return plans for higher returns are
In an uncertain world, protecting your family’s financial future is essential if you want to navigate the challenging times in your life without suffering any setbacks. When a tiny but deadly virus struck the financial sector, uprooting millions of lives and significantly threatening the financial future of many, the COVID-19 pandemic brought this issue to light.

  • Unit-Linked Insurance Plans
  • Senior Citizen Savings Scheme
  • National Pension Scheme
  • Post Office Schemes
  • Endowment Insurance Plans

Amid all this uncertainty, most people crave future certainty. For instance, a new parent could wish to make sure that whatever uncertainty arises in the future does not affect their child’s aspirations for their life. One must make investments now if one wants to finance future requirements. It might be challenging to achieve this level of confidence in investments, but that’s where a guaranteed returns plan saves the day.

What are Guaranteed Return Plans?

Guaranteed return plans are for those with clear, non-negotiable life goals at predetermined points in their lives. Knowing how much money you’ll make when the plan matures will help you plan ahead. Guaranteed return plans can help assist you in planning for and achieving objectives such as retirement, children’s education or marriage, or even purchasing a car or a property. Here are the top 5 ways to get guaranteed returns for your financial future.

Unit-Linked Investment Plans

It is a type of life insurance that offers the insured risk protection and the advantage of investment profits. Most investors have now frequently chosen to invest in ULIP plans in recent years. It provides the ideal balance of affordable life insurance and market-linked investments. A portion of the ULIP premium, which is one of the greatest investment plans currently available, is invested in market-linked instruments, such as stock, debt, and bonds, to generate high returns and build wealth over the long term.

Senior Citizen Savings Scheme

This is another alternative for a top investment plan that is backed by the government and is intended especially for Indian citizens over the age of 60. The plan matures five years after the account is opened and is extendable once for a maximum of three more years. The plan guarantees its customers guaranteed returns to meet the needs of senior folks.
The Senior Citizen Savings Scheme investment plan is a reliable long-term investment choice that provides investors with security and several other advantages. Any person over the age of 60 can access the plan through nationwide accredited banks and post offices. Additionally, those who chose to retire voluntarily or into superannuation at the age of 55 to 60 are also eligible to invest in this program.

National Pension Scheme

Investors in the scheme have two investment options: automatic and active. The fund’s active option allows investors to select and risk-take in assets as they see fit, as opposed to the auto option, which automatically invests money in various assets. Following this plan, investors can make regular contributions to their NPS account.

As a guaranteed return plan, NPS can assist a person in gaining returns similar to a standard annuity and securing their quality of life after retirement.

Post Office Schemes

Regarding post office savings-investment plans, there are various choices. They produce a lower rate of returns while having various tenures, tax advantages, and interest rates. However, under these schemes, your money will always be safe and risk-free. For long-term investors who are not particularly concerned with large returns, post office schemes are ideal.

Endowment Insurance Plans

Endowment plans are typically offered by insurance companies and combine the advantages of life insurance with a modified guaranteed savings plan. These agreements are made to offer lump-sum maturity benefits at the conclusion of the policy’s term or upon the life insured’s passing.

Standard policy lengths are 10, 15, and 20 years, and some plans additionally offer guaranteed payouts against the total insured at crucial life stages.

The insurer may also announce yearly incentives in some circumstances, although these bonuses do not compound. As a result, the return on investment is typically low, but these plans do provide consistent returns.


There are inherent dangers in every investment strategy. Nevertheless, some provide stability more than others do, although with modest investment returns. Therefore, there are other possibilities in the row mix suited for your level of risk if your risk tolerance is not high enough to go for the equity market. Before you start investing your hard-earned money, as with other investment schemes, you must first complete your research. All that is left to say is to invest your money carefully!

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Ref. No. KLI/22-23/E-BB/999


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Ref. No. KLI/22-23/E-BB/490


- A Consumer Education Initiative series by Kotak Life

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