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Best Investment Plans For You To Invest In 2023

Check high-interest rate investments to get the most return in a certain period. Here are the top best 5 guaranteed return investment plans to meet your financial goals.

  • 4,346 Views | Updated on: Dec 26, 2023

People of all ages are concerned with finding the best investment plan with significant returns. However, while accumulating money is crucial for a financially secure future, you can only make it partially on savings.

You need a solid insurance plan with guaranteed returns that grows your money over the years. And your risk tolerance, investment horizon, financial objectives, and liquidity requirements should be the pointer considered for that.
You need to undergo deep research and study to find high-interest rate investments to get the most return in a certain period with the least amount of risk. The article will highlight the top 5 guaranteed return investment plans available.

The top 5 Guaranteed Returns Investment Options

Investment plans with guaranteed returns include tools that provide fixed returns, as the name implies. People favor investment safety over huge profits, and therefore, they should choose the best investment plan with high returns.

Setting time-bound goals enable you to increase your money over time with guaranteed returns. Here is a handful of the best insurance plan with guaranteed returns:

Unit Linked Insurance Plans (ULIPs)

The life insurance policies known as ULIP offer complete life coverage and a long-term path to wealth growth based on market-linked returns. It assists you in achieving your long-term goals by acting as an investment and a life insurance policy. Depending on your risk tolerance, you can choose to invest in equities, debt, or a mix of the two. Additionally, you can invest in ULIP to reduce taxes on your hard-earned money under the Income Tax Act of 1961.

National Pension System (NPS)

The best investment choice for assured returns is NPS, a government-sponsored retirement program. It was developed to assist people in securing their retirement. Here, subscribers can make a defined contribution toward their savings goals and use their accrued pension to buy a life annuity from a life insurance provider certified by PFRDA. The applicant only needs to open an account and select their investment options to participate in this low-cost pension program.

Public Provident Fund (PPF)

PPF is a high-interest rate investment saving scheme offered by India’s government to provide everyone with a secure post-retirement life. It was first introduced in 1968, and since then, it has emerged as one of the most potent tools due to its combination of safety, return and tax savings. It has multiple investor-friendly features and associated benefits, including stable returns and low risk. It is one of the most popular investment options since the government of India guarantees the investment and makes it one of the safest long-term investments.

National Savings Certificate (NSC)

The NSC is a fixed-income investment strategy that, like fixed-income instruments, offers guaranteed interest and complete capital protection. The government of India is providing it to encourage those with low or average incomes to invest. While other investment options require a minimum investment into the program, the National Savings Certificate (NSC) requires getting certificates in various denominations. Based on the specified interest rate, NSC receives fixed returns. Even though the interest compounds annually, it is only paid out when the loan matures.

Senior Citizen Savings Scheme (SCSS)

For those older than 60, SCSS is the best investment plan with high returns supported by the Indian government. Long-term savings are made possible by this attractive alternative, which also provides unparalleled security and appealing features. It came into the picture with the primary objective of giving Indian seniors a steady income after they turn 60. The program offers people the best investment plan with high returns and includes several security elements. The SCSS scheme is available worldwide at post offices and accredited banks.

An insurance plan with guaranteed returns includes tools that provide fixed returns, as the name implies. Individuals should clearly consider all the factors while choosing high-interest-rate investments.

Doing this will ensure that your life, even after retirement, is one of comfort rather than tension. In addition, with investment plans, your financial portfolio will be more diversified, low-risk, and safe in case of medical emergencies. It is advisable to understand the different types of investment options before opting for the one that suits your family the most.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

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