With a lot of investment options available, one-time investment plans stand out as a preferred choice for many investors seeking to maximise their returns with a single upfront payment. These investment vehicles are designed to cater to a broad range of risk appetites and financial goals, offering the potential for substantial returns over the medium to long term.
Whether you are a seasoned investor or new to the financial markets, understanding these options can be a pivotal step towards achieving your investment objectives.
Here is the list for the best one-time investment plans:
A mutual fund collects money from multiple investors to invest in diversified options of stocks, bonds, or other securities. Opting for a lump sum investment in mutual funds can be a good strategy for those looking to invest a significant amount at one go, with the aim of achieving high returns over the long term.
Equity-oriented mutual funds tend to offer higher returns compared to debt funds but with higher risk. The performance of mutual funds is based on the fund manager's expertise and market conditions.
Investing in direct equity means purchasing shares of companies directly through the stock market. This option can offer substantial returns if the stocks of the companies you have invested in perform well.
The stock market is volatile, and there is a high risk of losing capital, especially in the short term. Success in direct equity investments requires a good understanding of the market, the ability to research and select stocks wisely, and the patience to hold investments during market fluctuations.
Real estate investment involves purchasing property for the purpose of generating rental income or selling it later at a higher price. This type of investment can provide excellent returns due to capital appreciation and rental yields.
Real estate requires a considerable initial investment and is less liquid than stocks or mutual funds. The market can also be affected by various factors, including economic conditions, location, and interest rates, which can impact the profitability of real estate investments.
Fixed deposits are financial products provided by banks and financial institutions, where you invest a one-off sum for a predetermined duration at a fixed interest rate. Recognised as one of the most secure investment choices, fixed deposits guarantee returns and safeguard the initial capital. They are a prime option for cautious investors looking for consistent earnings without the risk of market fluctuations.
The National Savings Certificate is a fixed-income investment scheme which can be opened with any post office in India. It is a government-backed savings bond that encourages subscribers to tax saving investments. This is a one-time investment plan for 5 years, and it offers a fixed interest rate, compounded annually but payable at maturity.
The returns are relatively safe and predictable, making it suitable for low-risk investors. The interest earned on NSC is tax-deductible under Section 80C of the Income Tax Act, though it's taxable upon maturity.
Selecting the right one-time investment plan requires careful consideration of your financial goals, risk tolerance, and investment horizon. Diversification across different asset classes can mitigate these risks and enhance the stability of your investment portfolio.
Getting a tax-saving life insurance plan from PNB MetLife can help you avail deductions from returns earned from investments. Additionally, staying informed about market trends with economic indicators can provide valuable insights for making investment decisions.
The minimum investment varies by fund, starting as low as ₹500 for some schemes.
Selling real estate depends on market conditions and can take longer than liquidating other types of investments due to its less liquid nature.
Disclaimer:
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.
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