Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals. Know more

Kotak e-Term

Protect your family's financial future. 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 life cover. Know more

Kotak e-Invest

Insurance and Investment in one plan. 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.

Know How to Invest at Every Age for Larger Returns

Early investing will give more time to your investments to build large corpus. Click here to know how to invest at every age, the benefits of investing early and some investment ideas.

  • Dec 19, 2018

Today, to survive, early investing is a must. You are never too young to start investing. There is no denying that initially, investments may seem daunting, and with so many options, you are bound to get confused and overwhelmed. The investment language itself is different and till you get a hang of it, words may seem like Greek and Latin to you. The main purposes of investments are usually for wealth accumulation, saving for a retirement corpus, taking care of inflation, and protecting your loved ones.

The sooner you start investing the better. Early investing will let you have more time to let your investments build up into a large corpus over time using the simple concept of the power of compounding. Not only that, one of the primary benefits of investing early is that you can go all out by starting to invest during the beginning of your career.

Let us consider investment options as per age.

If you have started early investing in your late 20s or early 30s, you have plenty of time in hand. You can experiment with multiple financial instruments depending on your financial goals.

There are multiple benefits of investing early. You can mix and match till you find what works best for you. You can try investing in the stock market. Even if you face minor losses, you have enough time to make up for it. If you have the financial appetite, you could look at investing in real estate. You could either purchase a home for living in or buy a property, which you can rent out. You can also contribute a certain percentage of your salary to the Employee Provident Fund account so it can build up into a retirement corpus for you. You could also try investing in stock funds and ULIPs. It also depends on your risk appetite. If you do not want to take a risk, you can opt for a target date mutual fund. This ensures that you start with aggressive investing at a fast pace while you are young but become more conservative as you grow older and get closer to retirement.

As you near your 40s, you can start looking at investment plans, if you have not done so till date. In addition, you must consider contributing to the Employee’s Provident Fund if you have not yet started it. You could look at giving at least 20 percent of your salary to the same so it accumulates as your retirement corpus.

Another option is to start asset allocation. At this time your assets should lean more towards fixed investments as well as bonuses compared to your 30s. If you are a conservative investor who wants to avoid risks, you should be comfortable going for a bond allocation of around 40 percent and stock allocation of approximately 70 percent.

As you enter your 50s, it is time to exercise some more caution. You must stop, step back, and take stock of your current income, assets, and liabilities. You also need to make note of your potential income as to how long you will be working and if you have any alternate source of income, among other factors. Take stock of your tax situation as well. You need to diversify your investments. You can take a 50-50 mix. Invest half of your money in bonds and the remaining half in stocks. Once you analyze the above factors and ponder over it, you can decide on the best investment mix. You also need to look at creating income from your investments (if you have not already done so).

One of the main benefits of investing early is that it gives more time for your corpus to grow. However, no matter when you start investing, ensure that you have a clear idea of your financial goals. Investments are subjective. You invest so that you can meet your financial goals. No matter what your goals are, with a systematic investment approach, you can definitely get there!

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 Increasing Your SIP Every Year Helps You Reach Your Financial Goal Sooner?

यूलिप के फायदे और नुकसान क्या हैं?

What is Savings and the Importance of Saving Money

Investment Options for NRIs in India

How to Cancel ULIP Policy?

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

ULIP As An Investment Option For Senior Citizens

Top ULIP Myths That You Must Stop Believing In

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

Building wealth through regular investing

What are the Best Investment Options for Students in India?

Creating a second source of income with life insurance

First Job? Here are Some Tips on How to Manage Finances

What Happens If I Stop Paying My ULIP Policy Premium After Paying the First Premium? Will I Still Get The Return?

What Is a Credit Score? Definition, Factors, and Ways to Raise It

Learn About Safe Investments with High Returns in India

All you need to know about claiming maturity proceeds from Ulip

What is Partial Withdrawal in ULIPs?

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

What is Fund Value in ULIP?

What is ULIP and Its Benefits?

Asset Allocations in ULIP - Know the Top Benefits

Safe Investment Options with High Returns for FY 2018-19

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

यूलिप के फायदे (Benefits of ULIP in Hindi)

Receiving regular payouts at various stages of life

What are Some of the Safest Investment Options in India?

Investments Options to Buy a house in India

What is the Estimated Return Percentage on ULIP? Do Investors Get Compound Interest?

यूनिट लिंक्ड इंश्योरेंस प्लान में लॉयल्टी एडिशन कैसे काम करते हैं

Difference Between Passive and Active Investing

Which is a Better Investment - Mutual Funds Or ULIP?

What is Mutual Funds? | How Mutual Funds Work, Definition

Why are ULIPs One of the Best Tax Saving Instruments?

What is Equity Mutual Funds: Meaning, Types & Benefits

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

Are Investment Returns Guaranteed in a ULIP?

What are Fixed Maturity Plans and Why Should I Invest in Them?

Difference Between Guaranteed Savings Plan and ULIP

Do ULIPs Give Good Returns On Investments?

How to Plan your Investment to Achieve Periodic Financial Goals?

Why Should You Build an Emergency Fund?

How to Fix the 9 Most Common Financial Problems Your Family is Facing

How to Make Your Financial Portfolio?

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

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

Is ULIP A Good Investment Option?

What is ULIP Renewal?

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

Top 5 Principles That Need to be Followed for Wealth Creation

How to Use Recurring Investment Strategies to Build Wealth?

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

यूलिप और उनके प्रकार क्या हैं?

ULIP Plans Riders You Should Know About

How To Invest Money In ULIP?

Corporate Bonds: Meaning, Types & Benefits

यूलिप में 8 शुल्क जो आपको अवश्य जानना चाहिए

What Is Financial Planning?

Which are the Best ULIP Plans in India for Children?

How to Set Financial Goals for Your Future

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

ULIP Plan or Traditional Insurance Plans - Which is better?

4 Rules To Keep In Mind To Secure Your Child’s Future Financially

Can NRIs Invest in ULIP Plans Offered in India?

5 Best Long Term Investments To Add To Your Portfolio in 2023

Will AI be Your Future Financial Adviser? What Role Will Humans Play?

Here's Whether You Should Link ULIP Plan with your Term Insurance

Why Should You Invest in NPS?

What is Money Management? Definition & Example

Rate of Interest on Different Investment Plans in India

Different Types of ULIP Investments in India

Endowment Plan vs Fixed Deposit?

How to Calculate Your ULIP Returns?

What is ULIP Plan, and How Does it Work?

Savings Plan for Grandchildren

Importance of Portfolio Management

Are Money Back Policies Helpful? A Complete Guide

What is a Savings Plan and What are is Benefits?

What is SIP Calculator, and How it Works?

Top 5 Investment Options in 2022 for Healthy Returns

Can You Have ULIP Plan and Health Insurance Plan Both?

Are Gains from ULIP Sale Taxable?

Here's are the uses of ULIP your must be aware of

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

What is Premium Redirection in ULIPs Plans | ULIP Insurance Plans | Kotak Life Insurance

Best Investment Plans For You To Invest In 2023

Top 11 Investment Plans Available in India

Can ULIP Policy be Transferred?

What are the Minimum and Maximum Investments in ULIP?

Balancing Investment Between Risk and Return on Investments

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

Understanding ULIP Risks: What are the Odds of Losing all my Money and Projected Returns?

How has ULIP Grown Over the Last 3 years?

Best One-Time Investment Plans in India

5 Reasons to Buy ULIPS for a Financially Secured Future

Customising investments to manage your wealth

Planning For Children's Future

ULIP NAV - Everything You Need to Know

ULIP Investment Strategy: Top Tips to Improve Your ULIP Gains

ULIP Withdrawal Conditions - Before and After 5 years

उच्च रिटर्न प्राप्त करने के लिए सर्वश्रेष्ठ इन्वेस्टमेंट विकल्प

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

वित्तीय संपत्तियां और उनके प्रकार

ULIP vs FD - Which is Better and Why?

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

Here's Myths on Investments in ULIP Plans

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

What are Financial Assets & their types?

What are the Best Investment Options For Females?

Can I Surrender My ULIP Policy after 2 Years?

How Do One-Time Investment Plans Work?

How to Start Saving Money in 10 Simple Ways?

Best Investment Options in India in 2022

Best Investment Options to Cover Your Child's Education

ULIPs Investment – A Boon or Bane?

Long Term Savings Plan - Best Savings Investment Plans in India

Can You Invest in Both Term Insurance and ULIP?

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

What are the Advantages and Disadvantages of ULIP?

ULIP Vs Life Insurance Plan Know the Difference

How Safe is it to Invest in ULIP plans?

8 Important Tips to Maximize Gains with ULIP Investments

Difference Between ULIP and Endowment Plan?

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

Planning Financial Goals and Objectives of Financial Planning

ULIP Frequently Asked Questions (FAQ) - Kotak Life

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

ULIP Investment Benefits You Must Know

Benefits of ULIP as a Child Insurance Plan

What is Lock-In Period in ULIPs?

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

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

How to Manage Your Portfolio Like a Professional?

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

5 Reasons Why ULIP Plans are One of The Best Retirement Planning Instruments

How to Increase Net Worth Along with Family Protection

Is Life Insurance Investment Worthy Enough

ULIP Benefits You Can Avail from Early Investing

Do You Know the Difference Between Savings and Investment?

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

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

Can ULIP Help in Achieving Short-Term Financial Goals?

How to Build a Strong Financial Foundation For the Future?

Why Are ULIPs Called Flexible Investments?

What is Direct Investment and its Types?

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

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

How ULIPs can help you achieve your financial goals

How to Create Short-Term and Long-Term Wealth with ULIPs - Kotak Life

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

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

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

What are the Best Investment Options for Young Adults?

5 Reasons to Have a Child Education Plan

Will You Need to Withdraw or Surrender Money From ULIP

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

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

6 Important Tips to Maximize Your Gains with ULIP Investments

Tax-Deferred Savings Plan: Overview, Benefits, Works

Is the surrender value of ULIP taxable?

What are Index Funds, and How Do They Work?

Top 10 Investment Strategies to Create Wealth

What Is Social Impact Investing and How Does It Benefit Society?

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

Planning For Son or Daughter's Wedding

How Can ULIP Plan be as an Investment for Your Child

ULIP policy: What happens when you stop paying ULIP policy premium during lock-in period

ULIP Plan as a Gift

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

What is a Bond Fund and How It Works?

Early Investing and the Power of Compounding

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

Is ULIP a Complex Financial Product?

How to Apply for Death Claim Benefits in ULIPs - Kotak Life

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

Difference Between Linked and Non-Linked Insurance Plans

All you need to know about Fund Switching in ULIPs

What are the things to consider before buying ULIPs?

FAQs on Taxation of ULIPs

How Can ULIPs Help You Plan for Your Child's Future?

Why ULIP Should Be a Part of Your Investment Portfolio?

Successful Financial Planning for Urban Women

What are ULIPs and their Types?

Factors Affecting Share Prices In The Stock Market

Develop an investing plan

ULIP Tax Benefits: यहां निवेश करने पर मिलते हैं 5 बड़े फायदे

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

Single Premium ULIP or a PPF - Which One is Better?

Why Should I Invest in ULIP?

What is the Time Value of Money (TVM)?

Learn About Safe Investments with High Returns in India

8 Charges in ULIP That You Must Know

Know Why You Should Stay Invested in Your ULIP Plan

How to Manage Inheritance Money?

How to Save Money from Salary?

How To Track ULIP Performance?

How and when should you exit from bad-performing ULIP?

ULIPs: Suitable for all