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Learn About the Safe Investments with High Returns

Investment planning is a crucial aspect of financial planning that involves utilising one’s savings to generate greater returns through consistent and purposeful investment. Individuals can establish a clear path and determine the optimal investment strategy to achieve their financial objectives within a specific timeframe by creating an investment plan. 

There is no doubt in the fact that investment is a responsible decision. Hence, it is necessary to invest wisely. There is a good percentage of Indians who have money lying idle due to a lack of awareness. People are still unaware of the different safe investment options in the Indian market. 

In this Blog, we will discuss safe investment options yielding high returns. Read through the investments carefully to better understand the long-term investment plans with high returns. It will surely help and make your investment ready. 

What is a safe investment plan? 

Any Investment plans that make the investor build wealth for the future and safely meet financial goals are known as safe investments plans. These plans also encourage disciplined investment habits among investors, enabling them to accumulate wealth over the long term and achieve their financial objectives. 

In India, some of the best investment plans allow us to invest our hard-earned money in various money market products in a systematic manner to attain financial goals. Investment plans provide the significant benefit of maximizing savings through disciplined, long-term investments and creating wealth for the future. The first step towards establishing an investment plan is assessing one’s financial needs and risk profile and selecting an appropriate plan. Some of the safe high-yield investment options are as follows: – 

  1. Public Provident Fund 
  1. Mutual Funds 
  1. Sukanya Samriddhi Yojana 
  1. Unit Linked Investment Plans (ULIPs) 
  1. Monthly Income Plan 
  1. Senior Citizen Saving Scheme 
  1. Tax-saving Fixed Deposits 

What are the types of Investment plans? 

Before making any investment, conducting thorough research and selecting an investment plan that provides sustainable long-term returns, capital appreciation, and tax-saving benefits is highly important. Assessing the associated risks before selecting a high-return investment plan is crucial. Risk can be evaluated regarding the probability of an asset underperforming or incurring losses. We have categorised the best investment plans with higher returns as follows: – 

  1. High-risk Investment Plan 

Investors who prioritize long-term capital growth and have a high tolerance for risk may find high-risk investment plans suitable. Such plans typically involve significant fluctuations but also carry tremendous potential for generating substantial returns over the long run. Some high-risk investment plans are currently available in the market, like Debt Mutual funds, direct equity, Equity Mutual funds etc.  

  1. Lower-risk Investment Plan 

Investors with a low-risk tolerance who prefer to minimize volatility in their investment portfolio may opt for low-risk investment options. These plans typically offer dependable, steady capital growth with minimal losses or risks. While these investments often come with guaranteed returns, investors may need to commit to a long-term lock-in period in order to realise significant returns. Some low-risk investment options are PPF (Public Provident Fund), Senior Citizen saving scheme, National Pension Scheme etc. 

  1. Medium-risk Investment Plan 

Moderate or medium-risk investment plans typically offer a well-balanced and diversified investment opportunity. These plans aim to provide both growth potential and a degree of protection against market volatility. Medium-risk investment plans often involve a mix of debt and equity securities, which helps to diversify the investor’s portfolio and create a stable return with moderate risk. Some of the moderate-risk investment plans available in the market are Monthly income plans, Hybrid – Debt plans, Arbitrage Funds etc. 

Best Investment Plans with higher returns in India in 2023 

Here are the best investment plans with higher returns that investors can consider for securing their future and fulfilling their financial goal. 

Investment Plans Plan Type Entry Age Maximum Maturity Age Policy Term Fund Options 
Bajaj Allianz Retire Rich Unit-Linked pension plan 30 – 73 years 80 years 7 – 30 years 
ICICI Pru Smart Life ULIP 20-54 years 20-64 years 10 – 25 years 
Bajaj Allianz Fortune Gain ULIP 1 – 63 years 70 years 7 – 30 years 
Canara HSBC Smart Monthly Income Plan ULIP Plan 18-50 years N/A 5 – 30 years 
Bajaj Future Gain ULIP 1 -60 years 70 years 10 – 25 years 
HDFC Life Click2invest ULIP 30 days – 65 years 75 years 5 – 20 years 
PNB Metlife Money Back Plan Money Back Plan 13-55 years 65 years 10 years N/A 
Aviva iGrowth Unit-Linked life insurance plan 18- 50 years 60 years 10, 15, 20 years 
SBI eWealth ULIP 18 – 50 years 60 years 10 – 30 years (both inclusive) 
IDBI Federal Smart Growth Plan ULIP 30 days-55 years 70 years 10, 15,20-25 years 
HDFC SL YoungStar Super Premium Unit-Linked child plan 18 – 55/65 years 65/75 years 10 – 20 years 
Bharti AXA eFuture Invest ULIP 18 – 60 years 70 years 10 years 
India First Smart Save Plan ULIP 5-65 years 75 years 10-70 years 
SBI Life- Smart Scholar Unit-linked child plan 18-57 years (for proposer) 0- 17 years (for child) 65 years 8-25 years minus the child’s age at entry 
TATA AIA Wealth Maxima ULIP 30days-60 years 100 years 100 minus (-) age at entry 11 
Edelweiss Tokio Guaranteed Income Plan ULIP Plan 0-60 years years 70 years 5-25 years 
Future Generali Easy Invest Online Plan ULIP 0-60 years 18-70 year 10-20 years 
Aegon iInvest ULIP 7 – 55 years 70 years 10,15,20,25 years 
Kotak Invest Maxima ULIP 0-65 years 75 years 10,15,20,25-30 years 

How to choose an investment plan 

The investor can consider the below-mentioned points in order to choose the short-term investment plan or long-term investment plan with higher returns in India. 

Investment plans available in India allow us to invest our hard-earned money in various money market products systematically to achieve our financial objectives. These plans help us maximize our savings through disciplined long-term investments, leading to wealth creation for the future. To create an investment plan, we should assess our financial needs and risk profile, and then choose an appropriate plan. Some of the top investment options in India include: 

  • Set financial goals and identify requirements. 
  • Develop a robust strategy by selecting the right investment plan and insurance products that align with our goals. 
  • Determine the investment tenure required to achieve each goal. 
  • Understand the various charges applicable to different investment plans. 
  • Create a diversified portfolio by investing in a mix of insurance and multiple investment plans. 
  • Periodically review our investment plans to ensure they continue to align with our financial goals and risk profile. 

Benefits of an Investment Plan 

Investment planning is the process of allocating your money to different investment options with the aim of achieving specific financial goals. Having an investment plan can provide numerous benefits, including: 

  1. Achieving financial goals: Investment planning helps you to identify your financial goals, such as retirement, education, or buying a house, and create a plan to achieve them. Setting achievable goals and investing accordingly can make your financial dreams a reality. 
  1. Building wealth: Investing your money can help you build wealth over time as you earn returns on your investments. By creating a well-diversified investment portfolio that aligns with your financial goals and risk tolerance, you can potentially earn higher returns and grow your wealth faster. 
  1. Protecting against inflation: Inflation can erode the value of your money over time. By investing your money, you can potentially earn returns that outpace inflation, ensuring that your purchasing power is maintained or even increased. 
  1. Tax benefits: Certain investment options, such as retirement accounts or tax-deferred investments, can offer tax benefits that can help reduce your tax liability and increase your after-tax returns. 
  1. Diversification: Investing your money across different asset classes and sectors can help you spread your risk and reduce the impact of market volatility on your portfolio. 


In conclusion, investing in an investment plan can provide numerous benefits, such as achieving financial goals, building wealth, protecting against inflation, and providing tax benefits. By creating a well-diversified investment portfolio that aligns with our financial goals and risk tolerance, we can potentially earn higher returns and grow our wealth faster. It is important to work with a financial advisor to create a personalized investment plan that meets our individual needs and goals and to review and adjust the plan as needed periodically. By doing so, we can take control of our financial future and work towards achieving our long-term financial goals.