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Safe Investment Options with High Returns for FY 2018-19

There are few high returns safe investment options. Here is the list of 2023-24 best investment options which will definitely give high returns in Indian market.

  • Sep 24, 2018

Tax saving season is on. So, if you haven’t started comparing tax-saving options for the financial year 2018-19 yet, you may want to start today!

As an investor, it is important to start looking for investment options that not only help you save tax but also help you earn tax-free income. This is because if the income earned is taxable, it becomes that much harder to accumulate wealth with such deductions eating into your earnings.

If you’re hoping to find some handy tax savers this financial season, here are a few of the best investment options that will help you save tax and earn reasonable returns:

Fixed Deposits :

Fixed Deposits, or FDs, are low risk investment schemes that can help you build wealth in the long run. Typically, you can choose between bank FDs and company FDs, as some of them offer income tax benefits too. While FDs may seem simple, you must consider three important things before investing:

  • Credit profile of the company
  • Rate of interest
  • Frequency of payouts

Post-Office Schemes :

This type of investment is generally preferred by conservative investors with long-term goals. The scheme has been initiated by the government of India to encourage savings among people living in rural and semi urban areas, and in turn strengthen the economic growth of the country. Various schemes offered by the post office are:

  • PPF (Public Provident Fund)
  • NSC (National Saving Certificate)
  • POTD (Post-Office Time Deposit)
  • POMIS (Post-Office Monthly Income Scheme)
  • KVP (Kisan Vikas Patra)

Endowment Plans:

An endowment plan is a life insurance policy that offers life coverage along with the option to save regularly over a specific period of time. So, if you are planning to buy a house, save money for your children’s education, or if you are planning for an early retirement, an endowment plan can be your saviour. One of the safe investment options in India, an endowment plan provides maturity benefits and a disciplined route for savings, which would be handy in case of a financial crisis.


Unit Linked Insurance Plans, or ULIPs, are hybrid investment instruments that offer a combination of protection and saving. Besides providing risk cover, they also allow the policyholder to invest in various market-linked products and meet long-term goals. Here, you also have the option to switch between different investment funds to match your needs. As is the case with most insurance policies, the premium paid for the upkeep of your ULIP is exempt from tax under Section 80C of the Income Tax Act, 1961.

Bonds :

Just like FDs, bonds are considered to be safe investment options. Both bonds and FDs work in the same way, except certain bonds can be traded in the secondary market, which automatically makes them liquid. Given the similarities, it is recommended to assess bonds in the same manner as FDs, before investing.

Bond Funds:

Bond funds, or debt funds, are funds that invest in fixed income securities such as government bonds, corporate bonds, money market instruments etc. They come with greater flexibility, more variety, and higher liquidity. They also hold better tax benefits as compared to bonds.

Generally, all these plans offer safe investments with high returns, and also hold some of the best saving options available in the market. However, before choosing any type of tax saver, the investor needs to consider several factors like liquidity, safety and returns. This will help them build wealth and allow them to multiply their savings in a short span of time.

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