HIGH RETURNS INVESTMENT

1. Market-Linked Investment Plans

These investments are affected by stock market performance and may offer higher returns (with higher risk).

a. Mutual Funds

Invest in equity, debt, or hybrid portfolios
Managed by professionals
SIP (Systematic Investment Plan) options
Tax-saving option: ELSS (Equity Linked Savings Scheme) – under Section 80C

Best for: Medium to high risk investors

b. Stocks / Equity

Direct investment in listed companies
High return potential, but volatile
Requires market knowledge

Best for: High-risk, experienced investors

c. ULIPs (Unit Linked Insurance Plans)

Combines life insurance + investment
Premium is split into life cover & mutual fund-like investments
Lock-in of 5 years

Best for: Long-term goals with insurance needs

d. REITs (Real Estate Investment Trusts)

Invest in commercial real estate assets
Traded on stock exchanges
Offers regular dividend + capital appreciation

Best for: Diversifying portfolio with real estate exposure

2. Fixed Income / Safe Investment Plans

These are more secure, with lower returns but stable income.

a. Public Provident Fund (PPF)

Govt-backed, 15-year scheme
Tax-free returns
Interest rates revised quarterly

Best for: Safe, long-term savings (Section 80C benefit)

b. National Savings Certificate (NSC)

5-year fixed income plan by post office
Fixed interest rate
Tax benefits under 80C

c. Fixed Deposits (FDs)

Offered by banks/NBFCs
Tenure: 7 days to 10 years
Higher FD rates for senior citizens

Note: Interest is taxable

d. Recurring Deposits (RDs)

Monthly deposit scheme by banks/Post Office
Fixed returns

e. Sukanya Samriddhi Yojana

For girl child (up to age 10)
High interest, tax-free
Govt-backed with 21-year maturity

3. Government & Pension Plans

a. National Pension System (NPS)

Low-cost retirement plan
Invests in equity + debt
Partial tax benefits under Section 80CCD(1B)

b. Atal Pension Yojana

Govt pension scheme for unorganized sector
Fixed pension after 60

c. Senior Citizen Savings Scheme (SCSS)

For individuals over 60
High interest, safe returns
Tax-saving option

4. Tax-Saving Investment Plans (Section 80C)

Investment Type	Lock-in Period	Tax Benefit	Risk
PPF	15 years	Yes	Low
ELSS (Mutual Funds)	3 years	Yes	High
ULIP	5 years	Yes	Medium
NSC	5 years	Yes	Low
SCSS	5 years	Yes	Low

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Risk level (low, medium, high)
Time horizon (short/medium/long term)
Primary goal (wealth creation, tax saving, retirement, child education, etc.)

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