Best Investment Plan for 3 Years

When we talk about the best investment options then it naturally includes both the aspect of minimal risk and high returns. In order to achieve the financial goals of life, it is very important to know which investment plan best suits your requirement. By keeping a proper knowledge of the top-performing investment plans in India you can make investment according to your requirement and suitability.

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In order to maximize the profit and accumulate wealth over a long-term period, it is important to check the various aspects of investment.

If you are looking for investment plans, with an objective of short term returns then you can consider investing in the below mentioned best investment plans for 3 years.  

Best Investment Plan for 3 Years

Let’s Take a Look at the Best Investment Plans to Invest in for 3 Years

Short Term Investment Options Investment Returns
Savings Account 5-7%
Liquid Funds 5-6%
Short Term and Ultra-Short-Term Funds 5-6%
Fixed Deposits 4-7%
Fixed Maturity Plans 6-8%
Treasury Bills N/A
Gold Investment 3-4%

1. Savings Accounts

A savings account is a type of deposit account that can be opened at financial institutions or banks. The savings account offers a moderate interest rate on the maintained balance. Savings accounts are best for individuals who want to create a corpus over a long period of time by keeping aside a chunk of money that they might not require immediately. In a savings account, the banks put restrictions on the total number of withdrawals that you can make from the account every month. The rate of interest earned on the savings account is computed on the basis of the minimum maintained average balance in the account. The interest rate determined on the savings account balance differs from bank to bank.

2. Liquid Funds

These are a type of mutual fund scheme which majorly invests in short-term market securities like government securities, treasury bills, corporate bonds, etc. The liquid fund is a type of debt mutual fund which holds a minimum amount of risk on investment.  The maturity period of the liquid fund is up to 91 days. Liquid funds offer high liquidity in investment.  With a minimum risk appetite, this fund is best suited for individuals who want to make an investment for a short-term period and have a low-risk appetite. As the least volatile and least risky mutual fund investment, this investment option is best for an individual who wants to make a safe investment and gain a medium return on investment.

3. Short Term and Ultra-Short-Term Funds

Short term and ultra-short-term funds are fixed-income instruments that offer liquidity in investment and short-term maturities.  Ultra-short term funds offer the investors low-risk investment options and help them to avoid the risk related to the rate of interest. As compared to the money market instrument, ultra-short-term funds offer higher returns on investment.  The short-term fund comes with a maturity period of 91 days. Even though these funds help the investors to avoid the risk related to the interest rate but it is not safe to the fluctuations related to the market.

4. Fixed Deposits

Fixed deposits are the safest and one of the most lucrative options to accumulate wealth and create a corpus over a short-term and long-term period of time. It is a financial instrument that offers a fixed interest rate until the given date of maturity. As compared to the regular savings account bank fixed deposits offer a higher interest rate and offer an assured return on investment. However, the investors are allowed to make premature withdrawals in fixed deposit, it is advised not to break the FD in between to gain the maximum return on investment. Nowadays, the maximum rates of interest offered by the banks on fixed deposits are 7%-8%. Apart from providing, profitable returns on investment bank FD also provides flexibility by fixing the money over a period of time.

5. Fixed Maturity Plans 

Fixed maturity plans are close-ended debt instruments in which the investments can only be made at the time when new funds are offered. These funds majorly investment in debt instruments like corporate bonds, highly rated securities, etc. and offers a fixed period of maturity. Fixed maturity plans are best suited for individual who wants to achieve their fixed financial objectives in a short-term and long-term period. Apart from fixed returns on investment fixed maturity plan also offers a tax benefit to the individual.

6. Treasury Bills

Treasury bills are short-term investment instruments that help the investors to make an investment in short-term surplus funds while minimizing the risk related to the market. Treasury bills are government securities which are offered by the Reserve Bank of India at regular intervals. Treasury bills can be opted by individuals who want to achieve short-term financial needs by borrowing funds from the government securities. As government-backed investment security, a treasury bill offers zero risks and is a safe and best investment option for individuals who want to gain short-term financial goals of life.

7. Gold Investment

If you are looking forward to investing in short term investment plans then investing in gold is considered to be the wisest option. Gold investment has many benefits as it provides stability and protection during the bank crisis and can also be helpful to deal with inflation and social unrest. Besides this, the major advantage of investing in gold is that the rise in prices in the financial market does not affect the value of gold. Over the past few years, gold investment has offered a phenomenal return on investment i.e. 23.5%, and has proved to be one of the best short term investment options available in the market.

Benefits of 3 years Investment Plans

As compared to the long- term investment options, short term options of investments are designed to fulfill the financial requirements of the individuals at hand.  Short-term investments are lucrative investment options for individuals who want to gain their short-term financial goals of life. There are numerous benefits of investing in short-term investments, some of these are mentioned below.


One of the major benefits of short term investments is that it offers high liquidity. This means that the investors have an option to invest or redeem investments whenever they require. The liquidity offered by short term investments helps the investors to safeguard their long term investment and create a financial cushion in the long-term.


Another benefit offered by short-term investments is diversification. According to your requirement or suitability, you can choose to investment a small amount or a large amount of investment.  The flexibility offered by short-term investments allows investors to invest in different investment instruments at the same time.  Thus, it can help the investors to create a diversified portfolio of investment.

Optimal returns

There are numerous short-term investment options that come with high risk and offer maximum returns on investment. However, the risk involved in short-term investment is less than the long term investments and thus it is a profitable investment option for individuals who have a low-risk appetite.


One of the major benefits of making the short-term investment is that it offers flexibility, it provides the option to the investors to change the investment at certain small periods. The amount invested in short-term investment is not tied up, as in long-term investment. Moreover, it provides an opportunity for the investors to reinvest the returns in other investment options that can gain more returns over a period of 3-4 years.


Diversification helps the investors to limit the risk. As the amount is distributed to various asset classes the risk associated with it also distributed equally. The risk associated with one asset class is balanced by the return offered by the other asset classes.

Disclaimer: The ranking of the insurance companies in this content is not in any particular order. The list is not complied as per the IRDA ranking. 

Past 5 Year annualised returns as on 01-07-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:-

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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