One-time Investment Plans

One-time investment plans are the best high-return investments to park spare money. If kept for a decent period, the investment can accrue a significant corpus that helps the investor fulfil their future goals. Let us learn more about the various best one-time investment plans in this article.

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What are One-time Investment Plans?

A one-time investment plan is a type of payment option within a financial product wherein you invest a Lump Sum/Single Pay of money for a specific time.

It is a best investment plan for investors with a high-risk tolerance and surplus money that is not required to fulfil immediate financial commitments. 

Best One-time Investment Plans in India

The best one-time investment plan is decided depending on time and principal amount.

Let us learn the top one-time investment plans in India in 2023 from the table below:

Types of One-time Investment Plans Ideal Investment Period Right Time to Invest Tax Benefits
On Investment Amount
Tax Benefits on Maturity Amount Risk Factor
Unit Linked Insurance Plan (ULIP)
  • 5 years to earn tax benefits
  • 10-15 years for retirement planning
Start early to gain from the power of compounding money Tax deductions u/Sec 80C of the IT Act Tax benefits u/Sec 10(10D) of the IT Act Medium to High
Equity Funds
  • 5 years and Above
  • 3 years for ELSS Scheme
If lump sum spare money available for long term
  • ELSS: Tax deductions on investment amount u/Sec 80C of IT Act
  • Other Funds: No tax benefits on investment
Tax benefits on returns at the end of 1 year holding period High
Debt Funds 3 years & Above
  • Allows investing for less than 5 years
  • Investing for more than 3 years lowers tax implications
N/A Indexation benefits on returns at end of a 3-year holding period Low
Liquid Funds
  • 3 years or less if it's not a SIP
When the best investment plan for the long term is not yet decided N/A Attracts lower tax due to indexation benefits if holding for 3 years or more Medium
Fixed Deposits (FDs)
  • 7 days to 10 years
  • Depending on your investment horizon
when you want to averse market-volatility risks N/A N/A Lowest
5-Year Tax Saving FDs Minimum 5 years to gain tax benefits When extra funds are available to reap the benefits of fixed returns with tax benefits Tax benefits u/ Section 80C of the IT Act Tax benefits on returns u/ Sec 10(10D) of the IT Act Lowest
Public Provident Fund Minimum 15 years for stable corpus with high returns As a safe investment for the retirement period Tax deductions u/Section 80C of the IT Act, 1961 Tax-free returns Lowest
Sukanya Samriddhi Yojana (SSY) Up to 21 years of SSY account or till the girl child gets married Gives tax benefits while creating a corpus for the education of the girl child Tax deductions u/Section 80C of the IT Act, 1961 Interest earned and Maturity amount is Tax-free Lowest
National Pension Scheme (NPS)  Till the age of 60-70 years A good one-time investment plan tax benefits and create a retirement corpus Tax benefits u/Section 80C and 80CCD of the IT Act, 1961 Taxable Low
Gold Assets Depends on the investor Safe to invest any time with huge inflation-linked returns N/A N/A Lowest

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

People Also Read: SIP Calculator

Top 10 One-Time Investment Plans in India

The features of the best one-time investment plans are listed as follows:

  1. Unit Linked Insurance Plans (ULIP)

    • Best investment plan for life coverage and market-linked investment options, with taxability features

    • Low risks involved as compared to equity funds

    • Flexibility to switch fund portfolios during this one-time investment plan

    • Provides a range of options with equity and debt funds

    • A partial withdrawal facility is available

    • Tax deduction benefits on investment amount u/ Section 80C of the IT Act

    • Tax benefits on returns u/Section 10(10D) of the IT Act, 1961

  2. Equity Funds

    • Are less riskier than directly investing in equity shares

    • Best performing mutual funds are managed by experienced professionals

    • Allows diversified investment portfolio

    • ELSS are the best one-time investment plans providing high returns with market-linked investments as well as tax-benefits

    • Tax deductions allowed under Section 80C of the IT Act, 1961

    *Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
    All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

  3. Debt Funds

    • Government securities, AAA/ AA rated corporate bonds are the best Debt-based one-time investment plans

    • Least riskier when compared to equity and hybrid funds

    • Best debt-based funds provide good returns and steady gains

    • Attracts less tax on returns as withdrawing the funds before 36 months is considered a Short-Term Capital Gain (STCG)

    • STCG attracts higher tax rates on aggregate as compared to Long-Term Capital Gains (LTCG)

  4. Liquid Funds

    • Best investment plan for 1 year or less with high liquidity

    • A one-time investment plan with low risk as it invests in high-rated debt assets with a short maturity period

    • Offer stable returns due to investment in low-risk debt instruments

    • the low expense ratio, which means a lower cost of investing these funds

    • Easy to switch money from liquid funds to another fund

    • Qualify for Long-Term Capital Gains (LTCG) tax if investing for more than 3 years

  5. Fixed Deposits

    • Most popular and trusted one-time investment plan

    • Guaranteed returns for a specific tenure

    • Fixed interest rates that are not linked to market variations

    • Offers higher interest rates for senior citizens

    • Best investment plan with the lowest market risk

    • Automatic renewal and partial withdrawal facilities

  6. 5-Year Tax-Saving Fixed Deposits 

    • One-time investment plan with tax benefits and guaranteed returns

    • Tax deductions on the investment amount under Section 80C of the IT Act, 1961

    • Fixed tenure of 5 years

    • Premature withdrawal of amount not allowed

    • Fixed rates of interest give surety of returns

    • Provides higher interest rates for senior citizens

    *Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
    All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
  7. Public Provident Fund (PPF)

    • GOI’s best long-term investment plan

    • Provides guaranteed returns, unaffected by market fluctuations

    • Long tenure of a minimum of 15 years, which is extendable for an indefinite period by a block of 5 years

    • Tax benefits on investment under Section 80C of the IT Act are available with this one-time investment plan

    • Provides tax-free returns

    • Fixed interest rates, periodically revised by the Central Government

    • Loan facility of up to 25% of the deposits from 3rd Financial Year of joining the PPF plan

    • A nomination facility is available

  8. Gold Assets

    • A hedge investment against inflation

    • Low correlation with other best investment options

    • A highly liquid one-time investment plan that can be easily bought or sold

    • Performs as a haven asset during economic and geopolitical uncertainties

    • The most convenient one-time investment for investing in a lump sum amount

    • Gold prices are volatile in the short term, but price trends are always on the rise

  9. Sukanya Samriddhi Yojana (SSY)

    • A government-backed long-term deposits-linked savings scheme for girl child

    • Best one-time investment plan to create a corpus for education, marriage and other expenses for the girl child

    • A high-interest rate of 7.6%, which is periodically revised by the government

    • Tax benefits under Section 80C of the Income Tax Act, 1961

    • Withdrawals allowed when the girl child attains maturity age or for higher education/ marriage expenses

    • Tax-free maturity benefit

  10. National Pension Scheme (NPS)

    • Government-backed best savings plan for retirement planning

    • Two types of investment choices: Active Option & Auto Option

    • Tax benefits u/Section 80C and Section 80CCD of the IT Act, 1961

    • Flexibility of investment frequency and amount

    • Low fund management charges of 0.01% of total Assets Under Management (AUM)

    • Offers the benefit of inflow of pension after retirement

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

Advantages of One-time Investment Plans

Listed below are the key advantages that your best one-time investment plan should offer:

  1. Capital Growth from Idle Money 

    Investing money in a one-time investment plan is better than keeping the money idle or investing in low-return accounts.

  2. Hassle-free Investments 

    In the one-time investment plans, the investors need not delay their premium payments for a later period or stress over the investment dates.

  3. Aligns With Your Investment Goals 

    One-time investment plans give sufficient returns as per your financial timeline. You can reap the maturity benefits when requiring funds for your child’s education, marriage, or purchase of land.

  4. High One-time Investment Returns

    If started early, the lump sum investment plans provide higher returns with the power of compounding money.

  5. Transaction Charges are Low

    The one-time investment plan is a convenient way to invest your money, payment in a lump sum is associated with low fees.

  6. Taxability Benefits

    ELSS and ULIP Plans are the best one-time investment plans that provide tax benefits to investors. Other types of one-time investment plans offer indexation benefits that attract lower taxes.

Disadvantages of One-time Investment Plans

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

  1. No disciplined investment 

    In a one-time investment plan, there is no association of investment discipline as you pay in single pay or whenever lump sum money is available.

  2. Risk of investing in Low Returns Investment Plans

    It may happen that the one-time investment plan turned out to be attracting low returns. On the other hand, this amount could have been diversified across different best investment plans.

  3. May Suffer Losses in Market Fluctuations

    Due to the market unpredictability, the investor may wind up purchasing higher units of the one-time investment plan during high prices and later witness a drop in prices. No alternatives are available to purchase units in the middle of your investment tenure.

  4. No Flexibility of Investment 

    One-time investment plans do not offer the flexibility to invest and withdraw the amount as per market speculations.

  5. No Liquidity of Funds

    The funds of a one-time investment plan are not the most ideal alternatives if you are going to need your reserves in the near time.

Factors Affecting One-time Investment Plan Decisions

Before you decide to invest in a one-time investment plan, it is crucial to analyse the factors mentioned in the list below:

  1. Choice Your Plan Wisely

    Settling on an inappropriate one-time investment plan may prompt your money into misfortunes, which is something nobody wants. Choose your plan wisely to make the most out of your investments.

  2. Gain Information on Market Valuation

    Primarily, you must gain an understanding of the investment market by researching online, from books, and consulting financial experts. Before you choose the one-time investment plan, make sure you do your investment calculations and historical performance trend analysis of the fund.

  3. Estimate Returns and Liquidity

    Now, before you choose your one-time investment plan, decide in prior if you want to go forward with a long-term best investment plan or a short-term best investment plan. Specifically, when it comes to investing in funds a little homework is of no harm.

  4. Patience is the Key

    Once you have decided on the one-time investment plan, it is important to be patient enough, not panic, or make any rash decisions during market speculations. Generally, the market cycle takes time to perform. Do not invest in a one-time investment plan if you are expecting immediate results.

  5. Make Your Money Grow

    Money lying inactive in your financial balance is a loss to an open door to profit. You ought to invest that cash cleverly in the best one-time investment plan to receive great returns in time.

Wrapping It Up

With a plethora of one-time investment plans available in the market, there is no shortcut to avail of the best. So take out a little time from your hectic schedule and choose the best investment plan for you that leaves you with no regret.

FAQ's

  • How to invest Rs. 10,000 at a one-time?

    To start early investing in the following best one-time investment plans is a good way to build a strong investment portfolio:
    • Equity-based Mutual Funds
    • Debt-based Mutual Funds
    • Liquid Funds
    • Fixed Deposits (FDs)
    • Gold Assets
    • Government Schemes: PPF, EPF, and Sukanya Samriddhi Yojana
  • Which is better PPF or SIP?

    The choice of the best investment plan among Public Provident Funds (PPF) and Systematic Investment Plans (SIP) depends on your financial goals, investment horizon, and risk appetite. 
    If you are looking for a safe, long-term investment option with guaranteed returns, PPF is a good choice. However, if you have a stronger risk appetite to gain higher returns over the long term, then SIPs may be a better option.
  • Can I invest only one time?

    No, you can invest in the best investment plans with flexible options of a lump sum or periodic instalments. In one-time investment plans, Single Pay is allowed. While through a SIP, you can invest in periods of monthly, quarterly, half-yearly and yearly instalments.
  • Is a one-time investment better than SIP?

    A one-time investment or SIP is better for you depending on your investment goals, risk tolerance, and investment horizon.
    A lump sum investment in a mutual fund is beneficial if you have a large sum of money that you want to invest in one go to take advantage of potential market gains.
    SIPs allow you to invest small amounts of money at regular intervals and help you average out the cost of your investment over time. This reduces the impact of market volatility on your investment.

Past 10 Year annualised returns as on 01-12-2023

^Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per 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:- http://bit.ly/3J20bXZ

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