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10-Year Investment Plan

A 10-year investment plan is a structured way to build wealth over a 10 year time frame. This time frame suits people who want steady growth while... Read more keeping some funds available for medium-term goals. Common goals include a child’s higher studies, a home down payment, retirement savings, or a safety fund for future needs. Investors can choose a suitable 10 based on personal goals and risk appetite. Read Less

A 10-year investment plan is a structured way to build wealth...Read more over a 10 year time frame. This time frame suits people who want steady growth while keeping some funds available for medium-term goals. Common goals include a child’s higher studies, a home down payment, retirement savings, or a safety fund for future needs. Investors can choose a suitable 10 based on personal goals and risk appetite. Read Less

Invest ₹10,000/month¹, Get ₹1.84 Cr tax-free² returns (@ 21.54%)

All funds rated 4 or 5 stars³

Wealth creation + Life cover

Zero LTCG tax²

Zero premium allocation charge

In this policy, the investment risk in investment portfolio is borne by the policyholder

¹IIllustrative returns @4%: ₹46.8 Lakh | @8%: ₹78 Lakh. Policy Term 20 years.
Past performance is not indicative of future performance. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year

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Pay (Total)

₹11,99,016

Get Maturity Benefit

Based on assumed rate of return

₹34.57 Lakh

As per actual past performance

₹70.50 Lakh

@20.37%

Additional Benefits

Life Cover (including Terminal Illness Cover): ₹22.8 Lakh

Accidental Death Cover: ₹11.43 Lakh

Accidental Total & Permanent Disability: ₹11.43 Lakh

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Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually. Product option: Future Secure

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What is a 10-year investment plan?

A 10 years investment plan involves investing funds in selected financial instruments for a fixed period of ten years with the objective of generating returns. Common options include mutual funds, insurance-linked plans, fixed deposits, equity-linked savings schemes, and government-backed savings products. This duration falls between short-term investments and very long-term commitments. It provides sufficient time for investments to manage market fluctuations while keeping financial goals practical and within an achievable time frame.

Example:

Rajesh, age 35, plans funds for his daughter’s college course after ten years. He invests ₹15,000 each month in a balanced mutual fund with an assumed annual return near 10%. His total contribution of ₹18 lakh could grow close to ₹30.7 lakh by the end of the period. This covers rising education costs while ensuring the investment value grows over time.

Popular Tata AIA Investment Plans

Solution Composition

Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.

Tata AIA

Premier SIP

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³by Morning⁵
Payouts are tax² exempted

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Solution Composition

Param Raksha Life Pro+ is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested.

Tata AIA

Param Raksha Life Pro +

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³ by Morningstar⁵
Get terminal illness cover with Term booster⁶ + high life cover

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How does a 10-year investment plan work?

Here's how a 10 year investment plan works.

Investment selection plus allocation

The first step involves picking 10 year investment options based on risk comfort, goal size, income pattern, and liquidity needs. Many investors spread money across equity funds for growth, debt products for stability, and hybrid options for balance. Asset mix should match personal needs, taking into account market swings and the timeline of goals.

Regular contributions plus discipline

Most plans rely on fixed contributions made each month, quarter, or year. This steady habit supports rupee-cost averaging. More units can be bought when prices dip, fewer units during high prices. Average purchase cost stays balanced over time.

Compounding plus growth

Accumulated returns earn additional returns during the investment period. Each year’s gain stays invested, which builds faster growth as time passes. Ten years offers enough time to obtain the desired results.

Monitoring plus rebalancing

Periodic review keeps the portfolio aligned with goals. As the target year comes closer, many investors shift a portion of the money from equity to debt for protecting accumulated value.

Why choose a 10-year investment plan?

You should opt for a 10 year investment plan as it offers the following benefits.

Balanced time frame

A ten-year period gives enough time for market recovery after short downturns while keeping financial goals within a defined timeline. Investors stay focused without feeling bound to very long commitments. This balance supports steady growth without creating pressure for quick results.

Tax savings

Certain investment plans provide tax deductions on contributions or tax-free2 maturity value. These savings reduce yearly tax burden while keeping more funds invested, which supports a higher accumulated value over the full holding period. Tax planning also brings better clarity in long-term cash flow planning.

Savings habit

Fixed monthly or yearly contributions build a steady savings pattern. This routine reduces unnecessary spending and builds consistency. This supports better financial discipline across changing income levels and lifestyle demands. Over time, this habit strengthens financial confidence and control.

Access during emergencies

Many investment plans permit partial withdrawals or loan facilities against accumulated value. This feature allows access to funds during urgent situations without affecting the entire investment journey or closing the plan early. It supports peace of mind during uncertain financial periods.

Risk control

The ten-year period allows higher growth exposure in early years, followed by a gradual movement toward stable assets closer to maturity. This balance protects gains while still supporting reasonable growth potential. It also reduces stress caused by short market swings.

Goal visibility

A decade is long enough to build meaningful funds while still keeping the goal clearly visible. This clarity supports motivation, progress tracking, and timely adjustments based on income changes or life priorities. It keeps financial planning structured and purposeful.

Return stability

Medium-term holding reduces the impact of short market swings. Returns tend to smooth out across market cycles, supporting steady accumulation. It also helps avoid reacting to short-term price movements. This supports building confidence in decisions for long-term planning.

Planning comfort

Ten years allows better forecasting of income flow, expenses, plus future funding needs. This clarity supports structured budgeting while aligning investments with family responsibilities and long-term financial commitments. It also supports better coordination between savings and lifestyle planning.

How are 10-year investment plan rates calculated?

The rate of returns a 10-year investment plan depends on several factors. They include type of product selected, market movement, interest rate levels, and the behaviour of underlying assets. Since the funds stay invested for a long period, compounding plays a key role, where returns get reinvested and continue to build value over time. Fixed-income options, such as fixed deposits, follow predetermined interest rates, while market-linked investments depend on price movement and overall market performance. Periodic review of the investment helps maintain alignment with financial goals and changing market conditions.

How to choose a suitable 10-year investment plan

Here's how you can choose the best investment plan for 10 years.

Define the goal clearly: Education fund, home purchase, retirement savings, and emergency reserve each carry different risk needs.
Review risk comfort: Age, income stability, family duties, and emotional comfort with market swings shape asset choice.
Compare product types: Equity mutual funds, hybrid funds, unit-linked plans, public provident fund, national savings certificates, and fixed deposits each show different return patterns, costs, and liquidity rules.
Study tax impact: Tax savings raise take-home return across ten years.
Check liquidity terms: Partial withdrawal rules or loan options add financial room during urgent situations.
Seek professional guidance: A certified financial planner can align product mix with income, goals, and risk comfort.

Conclusion

A 10-year investment plan supports medium-term financial goals through steady saving and proper asset selection. The ten years duration gives compounding enough time to enhance. Consistent contributions, periodic review, and sensible risk balance help build a healthy corpus for important life goals. Clear goal setting and disciplined monitoring further support stable progress throughout the investment period.

Which investment is best for 10 years?

The best 10 years investment plan depends on personal goals, risk comfort, tax planning needs, and expected liquidity. Different options include mutual funds, fixed deposits, or savings plans.

What factors should I consider before starting a 10-year investment plan?

Consider financial goals, income stability, risk comfort, tax impact, liquidity needs, existing commitments, and investment horizon before selecting a suitable investment option.

Can a 10-year investment plan provide steady returns over the investment period?

Returns may vary based on market conditions, asset type, and allocation, while longer holding periods may reduce short-term fluctuations.

Why should I consider a 10-year investment plan?

A ten-year time frame supports medium-term goals, encourages regular saving habits, allows compounding, and offers a balance between growth potential and accessibility.

What are the tax implications of a 10-year investment plan?

Tax treatment varies by product type, contribution limits, holding rules, and prevailing tax laws, which may influence net returns.

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.
Param Raksha Life Pro+ is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested.
If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
¹Illustration shows a monthly premium of ₹10,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Multi Cap Fund in Future Secure plan option. 4% and 8% are assumed rates of return. 21.54% is the 5-year return as of December'25. Maturity amount: ₹15,05,131 at 4% returns, ₹24,28,598 at 8% returns and ₹ 1,84,90.427 at 21.54% returns. The fund value calculation is done by projecting the past returns of multi cap fund after adjusting for all expenses in Tata AIA Premier SIP. The above values have been calculated assuming 21.54% p.a. gross investment returns, which is the past 5-year return of Multi Cap Fund as of December'25.
Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed’ in the illustration table on this page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
³All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
⁴5-year computed NAV for Multi Cap Fund as of December 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.

⁵©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
⁶The Insured Amount under Terminal Illness with Term Booster option (in Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
Insurance cover is available under the product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
L&C/Advt/2026/Feb/0917