Long Term Savings Plan – Best Savings Investment Plans in India

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Best Long-Term Savings Plans in India in 2022

Best Long-Term Savings Plans in India in 2022
  • 12th Sep 2022 |
  • 3,030

Long-term saving plans, when well-planned, tend to outperform short-term investments. So, if you’re saving for your kids’ school or marriage or want to purchase a dream house or plot, long-term investment plans with high returns are the way to go since you can start putting money down now and wait for the proper time to spend it. Generally, investments that are made over more than five years are long-term investment plans. It also means you won’t use those funds until you absolutely require them. Numerous long-term saving plans can be considered the best long-term investment in India. Some of them are mentioned below.

Best Long-Term Savings Plans

  • Public Provident Fund

PPF, one of the best long-term investment plans, is similar to the Employee Provident Fund (EPF) offered to employees. PPF savings can be retained for up to 15 years, with the government setting an annual rate of return of 7.1-8 per cent. The most important perk of investing in a PPF program is that it qualifies for a tax credit under Section 80C. Under this program, the investor must open a PPF account, and any deposits made throughout the year qualify for Income Tax Act, Section 80C deductions.

  • Bank Deposits (FDs)

When you talk about the best saving schemes in India, bank deposits top the list. There are a few alternatives in India; however, these are the most conventional long-term savings plans. Pre-established deposits given by banks are the safest, as the funds can be deposited for a longer time, such as three, five, or even ten years, with a fixed rate of return ranging from 3-6.5% every year. Moreover, it is possible to draw the money once the period has ended. The interest rates are more significant than savings accounts and RDs, and early withdrawal is possible. However, there is a penalty. The aspects mentioned above, and many others, make bank deposits the best long-term investment in India.

  • Unit-Linked Insurance Plans

If you’re seeking long-term saving plans that blend investment with insurance, then ULIP is the best option. One part of the instalment you pay is used to safeguard your life, while the remaining part is invested in stock markets to generate profits. Returns are likely to be approximately 8%, but prices fluctuate because of investment in inequities. Their premiums and administrative costs can be likewise expensive due to the same reason. However, when invested prudently, Unit-Linked Insurance Plans prove to be the best long-term investment plans with high returns.

  • National Pension System

NPS is one of the most reliable long-term investments in India developed by the Indian government to provide monthly income to participants after they retire. One can continue to invest in this scheme until they reach the age of 60; after that, they have to use at least 40% of their money to acquire a regular yearly income plan. After that, the remaining amount can be taken out as a lump sum payment.

  • Mutual Funds and Stocks

Stocks are the best long-term investment plans if you want to generate significant returns over a long time. You can make investments for the long term in stocks or mutual funds (SIP) through a systematic investment strategy. In any event, you should expect returns of 12 to 16 per cent, with 20 to 30 per cent attainable if the economy is doing well. Some of the best mutual fund options for the long-term scheme include large-cap and mid-cap funds with a track record of delivering excellent returns.

  • Saving Schemes of Post Office

Post offices, like banks, provide a variety of savings plans, which are more popular owing to their security and higher interest rates. The post office savings account, 5-year senior citizen savings plan, post office monthly income scheme account, National savings certificate, Sukanya Samriddhi Yojana, Kisan Vikas Patra, and others are the most critical well-known post office savings programs. They are undeniably the best investment plan for a child in the post office.

To establish an investing strategy, you must first determine your goals, liquidity requirements, investment horizon, and risk tolerance. Choosing which plan to invest in becomes much easier if you have a defined aim. If you’re seeking long-term investment plans with high returns, the above possibilities are worth considering!

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