Investment Plans

National Pension System (NPS) allows subscribers to get market linked returns and create a corpus for retirement. Self-contributions into the NPS Tier 1 account allow tax deduction benefits of up to Rs. 2 lakh annually under Section 80C and Section 80CCD (1b)

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Physical Gold (Bullion) in the form of jewellery, coins and bars, has been a popular investment choice since ancient times. While this investment can serve as a hedge during periods of uncertainty, there are no tax benefits of making these investments.

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Before starting your investment, understand why you want to make it. You may have goals like retirement planning, your child’s education, or buying a home. Having clear goals helps you select the best investment plans that truly support your priorities.

Every financial goal has a different time horizon. Short-term goals need safer options, and long-term goals need growth-focused plans. Thus, you must choose a timeline that matches with your goals. It helps you balance risk and returns effectively.

A strong financial plan combines protection with wealth creation. For instance, insurance plans help secure your family, while the best investment plans in India build long-term assets. With this diversified approach, you can keep your finances prepared for uncertainties like inflation.

Relying on a single investment increases financial risk. So, spreading funds across different investment and insurance plans reduces dependency. If one plan fails to payout due to any discrepancy, other plans will be helpful.

Every investment scheme comes with certain charges. These may include fund management fees or administrative costs. The best investment plans always provide a transparent fee structure. Knowing these helps you estimate actual returns more accurately.

As your income, goals, and responsibilities change over time, periodic reviews of your portfolio become helpful. It ensures your investments stay aligned with these changes. Thus, you should adjust your investment plans promptly.

Not everyone is comfortable with market ups and downs. Some prefer stability, while others are open to taking calculated risks. Thus, choose a plan that lets you stay invested without constant worry.

Life can bring unexpected expenses at any time. It can be any emergency medical expenses or other liabilities. Thus, it’s vital to ensure some investments that allow for easily accessible funds. Also, avoid locking all your savings into long-term instruments.

High returns often come with higher uncertainty. Though there are uncertainties, the best investment plans support growth with stability. Thus, you should choose the plans that follow this approach. It will help you stay consistent during market changes.

Whether you are starting your career or planning retirement, Axis Max Life offers investment plans for every phase of life. It helps you invest with clarity and confidence.

The best investment plans from Axis Max Life offer both investment benefits and life cover. This ensures your family stays financially supported. Moreover, your money grows consistently.

Axis Max Life allows you to choose premium payment terms as per your convenience. Moreover, you can decide whenever and how benefits will be received. This flexibility helps manage cash flow better.

We offer a 100% transparent pricing structure. So, we disclose all charges upfront. We don't have any hidden costs that affect long-term returns.

Maintaining a high claim settlement ratio of 99.70%, Axis Max Life has become one of the trusted investment partners in India. We offer a simple tracking process for investment plans that makes your overall experience smooth and convenient.

Investment plans such as ULIPS, online savings plans, and Equity Linked Savings Schemes (ELSS) provide opportunities for wealth accumulation through market-linked returns. At the same time, these investment plans also offer significant tax saving benefits⁴ under Section 80C of the Indian Tax Act 1961. Under these two sections, both the premiums payable and the insurance payouts are tax-deductible, and Tax exempted, respectively.

The best investment plans in India focus on protecting the amount you have invested. These options suit conservative investors who want a guaranteed return. These offer peace of mind during uncertain market conditions.

Investment plans promote disciplined saving over time. These help you build regular contribution habits for financial stability. It also helps you to achieve long-term wealth creation.

Sukanya Samriddhi Account is gaining popularity as one of the best investment plans in India for the girl child. If you have a girl child, this Yojana aims to facilitate corpus creation for the girl child. You can open a Sukanya Samriddhi Yojana account at both commercial banks and post offices. Furthermore, you can avail of significant tax savings⁴ under Section 80C of the Income Tax Act 1961.

Public Provident Fund (PPF) is one of the best investment options in India, considering the array of benefits it provides. If you are a salaried individual, PPF can offer many advantages. While the interest income on PPF is not taxable, you can also avail of tax deductions under Section 80C of the income tax 1961.

Generally regarded as one of the best plans for investment, post office monthly income scheme is most suitable for-risk-averse individuals who are looking for low-risk investment plans with decent returns. Here, you must understand that while the income from post office monthly income schemes is fully taxable, the monthly income plans do not attract Tax Deduction at Source (TDS.)

An undertaking of the Indian government, a senior citizen scheme that enables savings – SCSS, is widely regarded as one of the best investment options in India for a variety of reasons.

First, the scheme offers significant financial security for senior citizens. Secondly, the interest rate for this scheme is decided by the government every quarter. You can open an SCSS account at post offices and any nationalised banks.

Tax saving fixed deposits (FDs) are considered by many as one of the best investment scheme and investment plans in India because it provides significant tax savings⁴ benefits under Section 80C and can help you lower your overall tax liability.

Sovereign Gold Bonds (or SGBs) are issued by the Reserve Bank of India and backed by the Indian government. Essentially, SGBs are securities that serve as an alternative to holding physical gold and are denominated in units of gold (grams). At the time of maturity, you can redeem these bonds in cash, which makes SGBs, one of the best investment options in India.

Savings and Income plans and protection plans are two categories of life insurance that come under the low risk category. There is no identifiable investment component in such life insurance plans, i.e. these insurance plans do not offer market-linked returns. Instead, these life insurance plans serve as a robust financial safety net for your family and efficient protection against life’s uncertainties.

Bonds are certificates of your lending money to the issuer at the said interest rate. The interest on each bond could be paid to you regularly, and in the end, the face value is returned. Alternatively, you can also sell the bond before expiry if you need it. Bonds are regarded as one of the best investment options in India because of their relative safety.

Recurring deposits allow investors to save a fixed amount every month. Over time, these contributions compound. Returns from RDs are stable, and tenure options are flexible. These are ideal for individuals who want to build savings gradually without taking market risks.

NSC is a government-backed savings scheme available at post offices. It offers guaranteed returns and helps build a disciplined saving habit. Investments made in NSC qualify for tax deductions under Section 80C. This also builds long-term growth with stability.

EPF is a retirement-focused savings scheme for salaried individuals. In this fund, both the employee and employer contribute regularly. This helps build a retirement corpus with their joint effort. The scheme offers stable returns with government oversight. For these reasons, it’s considered a reliable long-term, low-risk investment option.

VPF best suits the salaried individuals who want to contribute more than just the mandatory EPF amount. This additional contribution earns the same interest rate as EPF. It enables investors to increase retirement savings with minimal risk and long-term stability.

Treasury Bills are short-term government debt instruments. They mature within one year and carry a very low risk. T-Bills are suitable for investors seeking to invest funds for a short duration safely. Also, it helps them earn modest returns.

These funds invest in short-term debt instruments like treasury bills and certificates of deposit. It ensures high liquidity and low volatility. Thus, these funds are suitable for investors looking for short-term additional funds with limited risk.

Equities offer risk-taking investors the chance to achieve their financial goals. While every asset is essential in its peculiar way, equities have a proven track record over the long-term, vis-à-vis other assets. In an equity investment, thus, you can buy a share of the ownership in a company, which entitles the investor to the gains and losses of the business.

ULIPs or unit-linked insurance plans are generally regarded as one of the best investment options in India because they offer both life insurance and investment returns benefits. Not just this, they also offer you option to move your money between high risk, medium and low risk. This is so because it allows you to invest your money in a mix of various fund options. While part of the premium amount is allocated to a variety of fund options (based on your investment objectives and risk profile), the remaining portion is used to provide the much-needed insurance coverage.

Overall, ULIPs are essentially life insurance plans that offer an additional feature of investing your money in different money-market linked assets based on your goals. Thus, ULIPs are another route to invest in a professionally managed portfolio of equities or bonds. The benefit of investing in a bond fund through ULIP is that as per the prevailing tax laws, you may enjoy tax deduction under section 80C subject to fulfilling conditions therein.

ULIPs offer a clear classNameification of risk categories, where you can pick up the higher risk fund for the long-term goals. You can gradually shift to lower-risk investments as your investment nears maturity.

A mutual fund is formed when money is collected from different investors and invested in a company’s stocks or bonds. Typically, a mutual fund is shared by thousands of investors and is managed collectively to earn the highest possible returns. The person driving the mutual fund is a professional fund manager.

Mutual funds offer diversified investment with lower investment corpus in any or multiple asset classNamees. For example, you can invest in a pure equity fund, a debt fund or a hybrid fund investing in both stocks and bonds.

Mutual funds may offer various risk category funds based on the type of stocks or bonds they are investing into. Index funds are considered the safest fund category among equity funds, whereas Gilt funds are the safest bet among the debt categories.

Aiming for debt investments with limited equity exposure, hybrid funds suit investors seeking balance. They offer steady returns with moderate risk.

Arbitrage funds exploit price differences from the same asset in different markets. They are less volatile than pure equity funds. Hence, returns are relatively stable for these types of funds.

MIPs focus on generating regular income. They maintain a balanced approach by investing in both debt and equity instruments. These plans are ideal for investors looking for predictable payouts.

• Financial focus: Your 20s are the perfect time to build a solid financial foundation
• Time horizon: Aim for a longer investment horizon to mitigate losses (if any) and earn higher returns
• Risk tolerance: Young investors can take higher risks because they can stay invested for a longer time and are likely to recover from losses (if any)
• Strategy: At this stage, the strategy should be to invest in long-term investment instruments and stay invested to earn higher returns
• Best investment options: Ideal investment instruments are equity mutual funds, ELSS, and Gold Exchange Traded Funds

• Financial focus: Think about corpus growth and plan accordingly
• Time horizon: Aim for a longer investment horizon and stay invested
• Risk tolerance: Investors can take moderate-to-high risk to ensure minimum losses
• Strategy: Stay invested in long-term investment instruments to earn higher returns
• Best investment options: Ideal investment instruments are Diversified Mutual Funds, Hybrid Funds, Insurance, and Gold Exchange Traded Funds

• Financial focus: Plan children’s education and build a retirement corpus
• Time horizon: A medium investment horizon and stay invested
• Risk tolerance: Avoid high-risk investments to avoid losses
• Strategy: Reassess your portfolio and act accordingly to earn higher returns
• Best investment options: Ideal investment instruments are Large Cap & Balanced Funds, Debt Funds, Child Plans, NPS

• Financial focus: Aim for capital preservation education and build a retirement corpus
• Time horizon: A medium investment horizon and stay invested
• Risk tolerance: New investments should involve low-to-moderate risk
• Strategy: Reassess and rebalance your portfolio to continue earning high returns
• Best investment options: Ideal investment instruments are Debt Funds, PPF, NPS, and Annuity Plans

• Financial focus: Aim for regular income, capital safety, and medical security
• Time horizon: Short-term investments that offer good returns
• Risk tolerance: New investments should involve low risk
• Strategy: Reinvest your income if your expenses permit
• Best investment options:Ideal investment instruments are Senior Citizen Savings Scheme, Post Office Monthly Income Scheme, Liquid Funds, etc.

NFO is an acronym for New Fund Offer that refers to the launch of a new mutual fund scheme by an asset management company, inviting investors to buy units for the first time, typically at a special introductory price.

NFOs have several risks like there is generally no past performance data to analyze. Hence, do consider an NFO only when the fund category or theme is attractive and the AMC has excellent past record.

An initial public offering or IPO refers to private limited companies going the public or offering their stocks to public to raise money. Companies generally go the public to raise capital for expansion, paying off their debts, and often to get early entry into the list of top fast-growing companies.

You should consider investing in an IPO only when a company has strong finances, scalable business, and, most importantly, a reasonable valuation compared to other offerings.

The term ‘goal-based investing’ refers to an investment fund to fulfill one or more specific life goals. Such investments require you to have a strategic or planned approach to achieve the goal in defined timeframe. Some examples of such goals can be buying a house, child’s higher education, or a worry-free retirement.

Planning of such a goal typically involves pre-defined parameters, such as clearly defining the goal (contribution amount per year), monthly income required, and portfolio diversification to mitigate potential losses. You need to stay disciplined throughout the investment period and reassess the portfolio periodically.

The term ‘momentum investing’ refers to investing in stocks or exchange-traded funds (ETFs), which have been performing strongly over the years. Here, the idea is to win along with the winners in the short-to-medium investment term.

You may need to reassess and rebalance your investment portfolio periodically to avoid any unanticipated events, which could harm your gains.

Value investing refers to an investment strategy that primarily focuses on buying or investing in stocks or securities that appear undervalued or are being sold at a significant discount compared to their true value. The common metrics associated with value investing are a strong balance sheet, high cash flows, low EBIDTA, etc.

While this investment strategy yields strong long-term returns, the value stocks often stay undervalued typically longer than expected. Therefore, you need to be patient.

The term ‘Index investing’ refers to a passive investment strategy that invests in index funds or exchange-traded fund (ETFs). It involves buying securities that mirror the components of a market index like Nifty 50, Sensex, Nifty Next 50, Nifty 500, etc.

Index investing is popular owing to its consistent performance and automatic diversification. However, this strategy never beats the index it mirrors like an actively managed fund.

This strategy is best for beginners who look for a simple investment approach and want to maximize their returns at a low cost.