Top Investments With Guaranteed Returns In India

Top Investments With Guaranteed Returns In India

India offers several investment options that provide stable returns, allowing you to grow your savings without the risk of extreme market volatility.

Written by : Nitin Bhatia

Reviewed by : Gaurav Nagpal

Gaurav Nagpal

2020-07-09

1532 Views

5 minutes read

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Patience and discipline will always lead you to get better results, and investment is no exception. Financial discipline will help you achieve your life goals – whether it is about getting higher returns on the invested money for building your retirement corpus, or creating an emergency fund. All you need to do is align your investment horizon with your life goals.

Before starting to look for the top investment plans with guaranteed returns, categorise your life goals into:

  1. Long-term Goals
  2. Medium-term Goals
  3. Short-term Goals        

Learn more: Buy Guaranteed Assured INcome Plan & Get Secure Returns

Choose an investment plan that fits your financial goals and consider the risk involved in the plan.

Table of Content

Investments that Offer Guaranteed Returns
 

  1. Direct Equity: Investing in stocks is one of the best strategies to build wealth for your long-term objectives. Numerous equities exist that have increased investors' wealth over time.
  2. Equity Mutual Funds: The main asset class for equity mutual funds is equities. However, they do not focus your investment on a single or pair of stocks. Your assets are diversified over a number of stocks using these ETFs. Above all, these funds are managed by qualified fund managers. Thus, they only invest your money after conducting a sufficient investigation. It thus raises your chances of generating profitable returns in the long run.
  3. National Pension System (NPS): The National Pension System (NPS) is an investment product designed for long-term retirement. It combines investments in corporate, government, and equity bonds.
  4. ULIPs: A Unit-Linked Insurance Plan (ULIP) is an investment-based life insurance product. To create wealth over time, a portion of your premium is invested in asset classes, including bonds and stocks. A portion of your premium is allocated to a life insurance policy.
  5. Public Provident Fund (PPF): PPF is a government-backed programme with a fixed interest rate. It can be used for other purposes as well, but for retirement savings, it is the most often utilised long-term savings option scheme. 
  6. Senior Citizens Savings Scheme (SCSS): The post office savings programme designed for senior citizens is the Senior Citizens Savings Scheme. Its primary aim is to provide retired seniors with a steady income. 
  7. Sukanya Samriddhi Yojana (SSY): The government-backed Sukanya Samriddhi Account is a savings plan that assures you of a profit on your investment. The goal of this programme, which was started by the Beti Bachao Beti Padhao Abhiyan, is to advance the welfare and education of girls. 
  8. National Savings Certificates (NSC): The Indian government backs the National Savings Certificate, or NSC, a post office savings option. It functions like a 5-year FD. Although the interest rate is guaranteed, the whole amount is only due at maturity.
  9. Bank Fixed Deposits: With guaranteed returns, bank fixed deposits are among the most well-liked investment options in India. By putting your money in the bank, you are guaranteed a specific return on your initial investment at the conclusion of the term.

Wrapping Up

Investing your wealth to boost it so that your financial goals are taken care of is essential. However, as the saying goes, “Do not put all your eggs in one basket”. So, if you are looking for top investment options for putting your money in, it is better to consider different investment options and plan your finances accordingly. 

The blog covered various investment options with guaranteed returns. These investments provide stable, predictable returns and are backed by the government, making them relatively low-risk. While they may not offer the highest potential returns, they serve as reliable vehicles to grow your savings and meet financial goals. Investors looking for a balance of safety and moderate growth can consider these guaranteed return investment plans as part of a diversified portfolio.

Glossary:

  • Retirement Corpus:  The retirement corpus refers to the total amount of money an individual has saved and invested for their retirement. It is the sum of all the savings, investments, and assets that will provide financial security and income during retirement years.
  • Asset Class: An asset class is a group of investment vehicles that have similar characteristics and behave similarly in the marketplace. The three main asset classes are: Equities (stocks), Fixed income (bonds), and Cash/cash equivalents.
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FAQs Related to Top Investments with Guaranteed Returns

Investment choices are available to meet the needs and objectives of a particular person. Some of the best investments with the highest returns are:

  • Bank Fixed Deposit (FD)
  • Public Provident Fund (PPF)
  • National Pension Scheme (NPS)
  • Recurring Deposit (RD)
  • Gold
  • Mutual Funds

There are lots of plans in the market that offer a guaranteed return. The most popular ones include government or corporate bonds, debentures, fixed deposit (FD) accounts, and public provident funds (PPF) investments. Each of these investments may seem appealing to individuals who have an extremely low tolerance for risk.

No investment is 100% safe. Nonetheless, because it is a government-backed programme and does not rely on the market, a Public Provident Fund with guaranteed returns at compound interest is regarded as one of the safest options for investing in India.