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Investment Plans

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Investment Plans

The purpose of our life can be easily summed up into one word — happiness. Finding and unlocking the secret to lasting happiness is a duty we all owe ourselves. One way to bring happiness into our lives is by working towards our 'Life Goals' through smart goal-based investments.
Whether it is about buying a house, supporting your kid's education, or securing wealth for life post-retirement – each of these life goals demands financial backing, in one way or the other. It is, therefore, prudent that we focus on building wealth while working towards accomplishing other goals. In other words, we need to leverage various investment plans to create a personalized financial portfolio that can help us achieve these objectives.
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What is an Investment Plan?

Investment Plans are essentially financial instruments that help create sustainable wealth for the future. Various investment plans in India enable us to invest our savings into different money-market products in a disciplined and periodic manner to achieve our financial goals.
Overall, investment plans provide the much-needed advantage of maximizing our savings through systematic, long-term investments and create wealth for the future. The first step towards having the investment plan in India is to assess your risk profile and financial needs, and then choose an investment plan that aligns with your needs. Some of the investment options in India include:
Unit Linked Insurance Plans (ULIPs),
Monthly Income Plans
Public Provident Funds (PPF)
Mutual funds
Sukanya Samriddhi Account
Senior Citizen Savings Scheme (SCSS)
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What are the Types of Investments?

While choosing between the best investment plans with high returns, considering the risk associated with these investment plans is crucial. For investment plans, their risk can be depicted as the possibility or probability of the asset either performing below-expectation or experiencing a permanent loss of value.
Based on the associated risk, thus, different investment plans are broadly classified into three categories, as depicted below:
Sukanya Samriddhi Yojana
Sukanya Samriddhi Account is gaining popularity as one of the best investment plans in India for the girl child. If you have a girl child, this Yojana aims to facilitate corpus creation for the girl child. You can open a Sukanya Samriddhi Yojana account at both commercial banks and post offices. Furthermore, you can avail of significant tax savings under Section 80C of the Income Tax Act 1961.
Post Office Monthly Income Schemes
Generally regarded as one of the best plans for investment, post office monthly income scheme is most suitable forrisk-averseindividuals who are looking for low-risk investment plans withdecent returns. Here, you must understand that while the income from post office monthly income schemes is fully taxable, the monthly income plans do not attract Tax Deducted at Source (TDS.)
Tax Saving FDs
Tax saving fixed deposits (FDs) are considered by many as one of the best investment plans in India because it provides significant tax savings benefits under Section 80C and can help you lower your overall tax liability.
Life Insurance
Savings and Income plans and protection plans are two categories of life insurance that come under the low risk category. There is no identifiable investment component in such life insurance plans, i.e. these insurance plans do not have offer market-linked returns. Instead, these life insurance plans serve as a robust financial safety net for your family and efficient protection against life's uncertainties.
Public Provident Fund (PPF)
Public Provident Fund (PPF) is one of the best investment options in India, considering the array of benefits it provides. If you a salaried individual, PPF can offer many advantages. While the interest income on PPF is not taxable, you can also avail of tax deductions under Section 80C of the income tax 1961.
Senior Citizen Savings Scheme (SCSS)
An undertaking of the Indian government, the Senior Citizens Savings Scheme, is widely regarded as one of the best investment options in India for a variety of reasons. First, the scheme offers significant financial security for senior citizens. Secondly, the interest rate for the Senior Citizen Savings Scheme is decided by the government every quarter. You can open an SCSS account at post offices and any nationalized banks.
Sovereign Gold Bonds
Sovereign Gold Bonds (or SGBs) are issued by the Reserve Bank of India and backed by the Indian government. Essentially, SGBs are securities that serve as an alternative to holding physical goldand are denominated in units of gold (grams). At the time of maturity, you can redeem these bonds in cash, which makes SGBs, one of the best investment options in India.
Bonds
Bonds are certificates of your lending money to the issuer at the said interest rate. The interest on each bond could be paid to you regularly, and in the end, the face value is returned. Alternatively, you can also sell the bond before expiry if you need it. Bonds are regarded as one of the best investment options in India because of their relative safety.
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High-Risk Investment

As the name suggests, high-risk investment plans are suitable for investors whoseprimary focus is on having long-term capital growth. Meanwhile. Most high-risk investment plans tend to incur substantial fluctuationsbut provide opportunities to create significant possible returns in the long-term. Examples of high-risk investment plans include:
Direct equities
Equities offer risk-taking investors the best chance to achieve their financial goals. While every asset is essential in its peculiar way, equities have a proven track record over the long-term, vis-à-vis other assets.In an equity investment, thus, you can buya share of the ownership in a company, which entitles the investor to the gains and losses of the business.
Mutual Funds
A mutual fund is formed when money is collected from different investors and invested in a company's stocks or bonds. Typically, a mutual fund is shared by thousands of investors and is managed collectively to earn the highest possible returns. The person driving the mutual fund is a professional fund manager.
Unit Linked Insurance Plans
ULIPs or unit-linked insurance plans are generally regarded as one of the best investmentoptions in India because they offer both life insurance and investment returns benefits. Not just this, they also offer you option to move your money between high risk, medium and low risk. This is so because it allows you to invest your money in a mix of various fund options. While part of the premium amount is allocated to a variety of fund options (based on your investment objectives and risk profile), the remaining portion is used to provide the much-needed insurance coverage.
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Documents Required to Buy Investment Plans

Officially Valid Documents (Any of these)
*Passport
*Voter’s ID
*Job card issued by NREGA duly signed by an officer of the State Government
*Aadhaar Card
*National Population Register containing details of name, address and Aadhaar number
*Or any other document as notified by the Central Government
In addition to the Officially Valid Documents
PAN Card/Form 60
In case Officially Valid Documents does not contain updated address
*Utility Bill (Not more than two months old) of any service provider (electricity, telephone, postpaid mobile connection, piped gas, water)
*Property or Municipal Tax Receipt
*Pension or family pension payment orders (PPOs) issued to retired
*Employees by Government Department or PSUs, if they contain the address
*Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, PSUs, scheduled commercial banks, financial institutions and listed companies
Income proof - For Salaried Individuals (Any one)
*Bank statement showing salary credit for latest 3 months
*Latest 2 years Income Tax Returns
*Latest year Form 16
Income proof - For Self Employed (Any one)
*Latest 2 years Income tax returns not filed in same year along with Computation of income
*If computation of income not available: Latest 3 years Income tax returns not filed in same year
*CA certified Audited balance sheet and profit loss account for latest 2 years
*Form 26 AS
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