Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

Protect Your family’s financial future with Kotak e-Term. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Long Term Savings Plan - Best Savings Investment Plans in India

Long term investments are very helpful to actualize financial goals like early retirement, child education etc. Here we have 6 investment options that help in creating wealth over a long term.

  • Sep 12, 2022

Long-term investment plans, when well-planned, tend to outperform short-term investments. Therefore, long-term investment plans with high returns are the way to go if you’re saving for your children’s education or marriage or want to buy a dream home or plot of land because you can start putting money down now and wait for the right time to spend it. Generally, investments made over more than five years are long-term investment plans. It also means you won’t use those funds until you 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%. 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 for the same reason. However, when invested prudently, Unit-Linked Insurance Plans are 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 must 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%, with 20 to 30% 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.


Bonds offer a safer alternative to stock investments if you find them to be unsettling. You can choose between inflation-indexed bonds, where the interest rates are dependent on inflation, or a 10-year government bond with an interest rate of 7.70%.

Gold Investment

You can invest in gold in any form, including gold bars, gold ETFs, gold mutual funds, gold deposit schemes, etc. Gold is a perennial favourite financial commodity. The bond will feature a 3–7 year lock-in term and a 4% tariff-free interest rate.

Benefits of Investment Plans

Including investment plans in your financial portfolio has various advantages. Here, we’ve included detailed explanations of a few of these advantages.

Protection for Loved ones

Return on investments with coverage offers both returns and life insurance. This means that in the terrible event that the insured passes away, his or her family will either get the full amount for which they were covered as a lump sum or in the form of monthly, quarterly, or half-yearly payments, in addition to the fund value. In the sad event that the family’s breadwinner passes away or they are unable to earn a living, these returns serve to secure the family’s requirements and financial goals.

Goal-based Planning

Saving money for a goal is a terrific method to achieve it, whether that goal is purchasing a home or automobile, covering the expense of a child’s education, preparing for marriage, or retiring. Long-term lock-in investment plans enable investors to achieve long-term financial objectives like saving for a child’s education, starting a retirement fund, etc. The ULIP plans provide several investment choices, and the investor can assess their returns by looking at past earnings and building a financial corpus in a few years.

Wealth Creation

The greatest method to grow your stagnated funds is to combine prudent saving with investing in the correct investment opportunities. You have a great chance to build money over the long run with an investing plan if you make regular, disciplined investments. Gaining high returns on investment will help your money expand over time and give your loved ones a financial safety net.


The market currently offers a wide variety of investment plans, giving investors the freedom to select the best one for their financial objectives, time horizon, and risk tolerance.


Money comes next, then safety. The investment plans with the lowest yields or rates of income return are the ones that are most likely to be safe. Inevitably, investors must accept risks and give up some protection in order to maximise their returns. The risk rises as the returns do as well.

Tax Minimization

The investors may pursue certain investments as a part of their investment plan in order to leverage tax minimization. Tax reduction is another important goal for investors. The Income Tax Act of 1961’s Sections 80C and 10(10D) allow the investor to take advantage of tax benefits.

How to Choose the Investment Plan?

We may invest our hard-earned money in a variety of money market products in a methodical manner to meet our financial goals, thanks to some of these greatest investment plans in India. Investment plans provide the crucial advantage of optimising savings through focused, long-term investing and wealth growth for the future. The first step in creating an investing plan is to assess your financial needs and risk tolerance before selecting an appropriate strategy. The best investment choices in India include the following.

  • Access your financial goals and requirements.
  • Create a strong strategy by incorporating the right investment plan plus the right insurance that brings it into line with your goals.
  • Evaluate your investment tenure to achieve each goal.
  • Create a diversified portfolio. This means that instead of investing in a particular investment plan, invest in a mix of insurance plans and multiple investment plans.
  • Periodically review your investment plans.

To establish an investing strategy, you must 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!

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

Kotak e-Invest

Download Brochure


  • Return of Mortality Charges*$
  • Enhanced Protection
  • Multiple Plan Options
  • Zero Premium Allocation Charges
  • Tax Savings^

Ref. No. KLI/22-23/E-BB/521


- A Consumer Education Initiative series by Kotak Life

Similar Articles

How Do One-Time Investment Plans Work?

लॉयल्टी एडिशन क्या हैं, और वह यूलिप में कैसे काम करते हैं?

Learn About Safe Investments with High Returns in India

How Can a Legal Nominee Claim ULIP Benefits are the Policyholder’s Death?

What is NAV in ULIP, and How is it calculated?

What is Money Management? Definition & Example

Difference Between ULIP and Endowment Plan?

How to Manage Your Portfolio Like a Professional?

How to Make Your Financial Portfolio?

4 Benefits of ULIP Fund-Switching Feature

Which are the Best ULIP Plans in India for Children?

Why Should You Invest in Term Insurance And ULIP?

What is ULIP and Its Benefits?

Beginner's Guide to Wealth Creation: Meaning, Strategies, & Importance

ULIP vs FD - Which is Better and Why?

ULIP Plan as a Gift

ULIP Capital Gain Tax: Check Tax Norms for Capital Gain on ULIPs

Investment Options for NRIs in India

ULIPs Investment – A Boon or Bane?

Why Should You Build an Emergency Fund?

Here's Why it's a Good Time to Explore ULIPs as an Investment

Unit-Linked Life Insurance (ULIPs) vs. Term Insurance

How To Diversify Portfolio In 2023?

What Is Financial Planning?

Different Types of Endowment Plans

How is the Compound Annual Growth Rate (CAGR) Calculated in ULIP?

Safe Investment Options with High Returns for FY 2018-19

What is Equity Mutual Funds: Meaning, Types & Benefits

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

What is a Savings Plan and What are is Benefits?

Top 10 Investment Strategies to Create Wealth

What is a Child Money Back Plan, and How Does it Work?

Why ULIP is Better Investment for Long-Term Wealth Creation?

Difference Between Guaranteed Savings Plan and ULIP

What is Direct Investment and its Types?

6 Important Tips to Maximize Your Gains with ULIP Investments

How Is ULIP Different from Other Life Insurance Plans? Where Can I Invest - ELSS, ULIP, or PPF?

How to Cancel ULIP Policy?

Is This The Right Time To Invest In ULIP? Why or Why Not?

Short Term and Long Term ULIP Plans for Wealth Creation

Best Investment Options in India in 2022

Benefits of ULIP as a Child Insurance Plan

How to Choose the Best ULIP Plans to Invest in 2022?

What is ULIP Renewal?

यूलिप के फायदे (Benefits of ULIP in Hindi)

How to Plan your Investment to Achieve Periodic Financial Goals?

What are Some of the Safest Investment Options in India?

How to Plan Your Child's Education - A Step-by-Step Guide

Can ULIP Policy be Transferred?

How To Track ULIP Performance?

ULIP NAV Meaning & How is the Return Calculated in ULIP

ULIP Benefits You Can Avail from Early Investing

How To Invest Money In ULIP?

Endowment Plan vs Fixed Deposit?

What are Index Funds and How Do They Work

Why Should Parents Invest in Endowment Plan?

Debt ULIPs vs. Debt Mutual Funds: What's the Difference?

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

Why Should You Consider Guaranteed Savings Plan for Long-Term Investment?

Planning for Your Child's Higher Education? Explore These Investment Options

A Step-by-Step Guide: How To Make An Investment Plan?

How to Start Saving Money in 10 Simple Ways?

Creating a second source of income with life insurance

What are the Best Investment Options For Females?

Are Investment Returns Guaranteed in a ULIP?

Does Rupee Cost Averaging Work In Unit-Linked Insurance Plans?

What is Fund Switch in ULIP? And ULIP Fund Switching Techniques

Top 10 Investment Plans Available in India

Rate of Interest on Different Investment Plans in India

What is ULIP Plan, and How Does it Work?

How to Fulfil Your Financial Goals in the Next 10 Years?

How to Calculate Your ULIP Returns?

What's Better for Your Child's Education? Child Plans or Mutual Funds?

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

What are Tax-Deferred Savings Plans?

What are the Best Investment Options for Students in India?

The lesser-known facts about ULIP policy that customers should be aware of?

Why Do You Need A ULIP Plan - All You Need To Know

How to Increase Net Worth Along with Family Protection

Can ULIP Help in Achieving Short-Term Financial Goals?

Why Should I Invest in ULIP?

How to Use Recurring Investment Strategies to Build Wealth?

Early Investing and the Power of Compounding

What are Mutual Funds?

Why is Portfolio Diversification Important? How to Diversify Your Portfolio?

The Importance of Starting Early: Securing Your Child's Future with a Child Education Plan

Successful Financial Planning for Urban Women

वित्तीय संपत्तियां और उनके प्रकार

Building wealth through regular investing

Importance of Portfolio Management

What is the Importance of Saving Money?

Factors Affecting Stock Markets

ULIPs: Suitable for all

ULIP as an Investment for Your Child

Important Questions You Must Ask Yourself When Buying a ULIP Plan

Difference Between Passive and Active Investing

What are loyalty additions, and how do they work in a ULIP?

Receiving regular payouts at various stages of life

What are the Best Short-Term Investment Plans with High Returns?

Which is a Better Investment - Mutual Funds Or ULIP?

Best Investment Options to Cover Your Child's Education

Best Guaranteed Returns Investment Options to Meet your Financial Goals

How Can ELSS Funds Help You Save Tax & Create Wealth?

Best One-Time Investment Plans in India

How Does an Endowment Plan Work?

What is a Credit Score and How Can Insurance Help You Improve it?

Asset Allocations in ULIP - Know the Top Benefits

What is the Time Value of Money (TVM)?

Top 5 Principles That Need to be Followed for Wealth Creation

Got a Salary Hike? Here’s How to Plan your investment further

Savings Plan for Grandchildren

Why are ULIPs One of the Best Tax Saving Instruments?

Best Investment Plans for Children - Secure Your Child's Future

What are the Best Investment Options for Young Adults?

Are Money Back Policies Helpful? A Complete Guide

8 Charges in ULIP That You Must Know

How to Plan Savings from Salary?

Why Are ULIPs Called Flexible Investments?

यूलिप के फायदे और नुकसान क्या हैं?

What is Compound Interest, And How Do I Calculate it?

Everything You Must Know About ULIP Riders

Things to Know Before Buying an Endowment Plan

Do You Know the Difference Between Savings and Investment?

How Much Wealth Can You Create from ULIP in 10 years?

Is the ULIP Policy Surrender Value Taxable?

What are the Advantages and Disadvantages of ULIP?

What is SIP Calculator, And How Does it Work?

Investments Options to Buy a house in India

How to Manage Inheritance Money?

Planning Financial Goals and Objectives of Financial Planning

Which are the Best Investment Plans for Indian Senior Citizens in 2022?

Corporate Bonds: Meaning, Types & Benefits

Which is Better – FD, Mutual Fund, SIP, or ULIP?

Customising investments to manage your wealth

Top 5 Investment Options in 2022 for Healthy Returns

यूलिप प्लान में परिपक्वता लाभ क्या हैं: फंड वैल्यू सम एश्योर्ड या ओनली फंड वैल्यू?

What are Financial Assets & their types?

Learn About Safe Investments with High Returns in India

What are the Best Investment Options for Beginners or Amateur Investors in India?

8 Important Tips to Maximize Gains with ULIP Investments

Four Financial Lessons from The Vedas on Living Life to The Fullest

Are Gains from ULIP Sale Taxable?

What are the Maturity Benefits in a ULIP Plan: Fund Value Sum Assured or Only Fund Value?