One time Investment Plans

When you plan to do investments make sure that you build an investment portfolio that includes your expenses, net income, and financial objectives along with the risk profile. On the premise of what your pocket allows, one can easily opt to invest a lump sum amount may be like investing in a Systematic Investment Plan (SIP).

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Individuals who wish to invest in the mutual funds most of the time opt for a SIP, wherein a fixed sum is deposited under somebody's name. It turns out to be simple for them to fabricate riches utilizing normal little instalments. Realize what is the essential contrast between the SIP and mutual funds. Yet, now and again, the accomplished financial specialists select to put a tremendous measure of cash in a more direct plan when in case not performing great yet, later on, will rise. They put resources into direct plans where they see a gigantic capability of more significant yields. Now, this is exactly what we refer to as a one-time investment plan or a lump sum investment. Realize in the case of putting a Lump entirety in Mutual funds the correct decision for you. Where an individual puts a whole of cash in a plan, which will in all likelihood acknowledge over the long-term.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

How Important is a One-time Investment Plan?

Investments are consequential because in this day and age, simply earning money isn't abundant. You buckle down for the money you acquire. However, that may not be sufficient for you to lead an agreeable way of life or satisfy your fantasies and objectives. To do that, you have to bring in your money buckle down for you too. This is the reason that investment is important. Money lying inactive in your financial balance is an open door lost. You ought to invest that cash cleverly to receive great returns in return.

Since there are such a significant number of kinds of investment vehicles, it is typical for a financial specialist to get overpowered. Another person to investing would not where to put away the hard-earned money. Settling on an inappropriate investment decision can prompt money related to misfortunes, which is something that nobody needs.

At any stage in life, an individual will require funds. Therefore, individuals must build a corpus of wealth. The needs of every individual are not the same and may vary from person to person. The investments will lead to more of savings that will help an individual to achieve the financial objectives, which could include the retirement planning, education of the child or maintain a specific lifestyle and much more.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Therefore, it is time to identify and assess your needs and try to build a corpus at the earliest with the proper understanding of the market and the one-time investment plan, which will help you to grow the money while you do not need to do much about it.

With a plethora of one-time investment plans available in the market, there is no short cut to avail the best. So take out a little time from your hectic schedule and make the choice that not leaves you in regret.

What are the Factors that can Affect the Decision of One-time Investment Plans?

So, before you choose to invest in a one-time investment plan, it is important that you deeply analyze some factors and then only make your investment decision.

Listed below are the key factors that can affect your decision of going with a one-time investment plan:

Informed About Market Valuations:

Primarily, you must have an understanding of the investment market. In case, you need any help you should not refrain and get clarity from the individual who has an understanding about the same. Before, you choose the one-time investment plan make it sure that you have done the required calculations and analyzed the data of the performance of the fund.

Estimate the Returns and Liquidity:

Now, before you make the investment decision you must be aware of the requirements that you are looking forward that implies whether you are going forward with a long term investment plan or short-term investment plan. Specifically, when it comes to investing in funds a little homework is of no harm.

Patience is the Key:

Now, when you have opted for the one-time investment plan, it is important to be patient enough and do not panic or make any rash decision. Sometimes, the market at least it’s time to perform. Investing in funds is not a good idea if you are expecting returns immediately. Therefore, investing in funds is a wise choice only when you keep patience with a certain one-time investment plan.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

What are the Advantages of One-time Investment Plans?

Listed below are the key advantages of one-time investment plans:

  • Investing money along these lines is better than either keeping the money close by or sparing it into the financial balance and winning low premium.
  • The One-time investment plan gives comfort to the financial specialists as the speculators needn't pay portions later on or stress over the investment dates.
  • The target of the investment is longer. This could be on account of the education of the child, marriage, purchasing land or other.
  • Investments are in the benefits, which assurance to toll better over the long haul thus it is essential to begin early. The previous you start, the more noteworthy the drawn-out monetary benefit.
  • The exchange cost of the one-time investment plan is low if the speculations are in value markets. If you contribute Rs 10 lakh in one investment scheme that is a lump sum, at that point Rs 100 will be the commission charged. In any case, on the off chance that you isolate a similar that into 10 different transactions, at that point you'd need to pay Rs 1,000 altogether for this. Even though on account of SIP investment, in case of both the selling and buying units there is no exchange cost.

Fixed Deposits Vs 100% Guaranteed Return Plans

Features Fixed Deposits vsGuaranteed
Tax benefit on premium
Tax paid on return* As per tax slab* No Tax
Maturity Value Guaranteed Upfront Guaranteed Upfront
Life Cover
As per prevailing tax lows*

What are the Disadvantages of One-time Investment Plans?

Listed below are some of the disadvantages of one-time investment plans:

  • When the money is invested in the instance of a one-time investment plan, there is no association of investment discipline. Also, the investor may need to put resources into low-return creating investment choices if the lump sum method is just accessible.
  • Due to the market unpredictability, the investor may wind up purchasing higher units when the cost is high and afterwards witness the drop in the costs as the investments are in one go. For this situation, there is no alternative to purchasing units in the middle of or routinely.
  • People, as a rule, don't think about these kinds of investments, particularly in schemes of equity. What's more, a lump sum amount investment probably won't be the most ideal alternative if you'd need reserves in no time. As the profits are produced if the investments are in as long as possible. At that point, putting cash in ultra-momentary funds or the liquid funds would be a superior choice in general.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Wrapping it Up

All in all, if you recently have a good sum of money after you have cracked a business deal or you have sold a property, and so forth then you can think about one-time investment plans.

So anyone who has reasonable savings can easily opt for one-time investment plans.

Written By: PolicyBazaar - Updated: 30 June 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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