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Investing funds for wealth appreciation to secure finances for the future is important for a successful and peaceful life. The key to accumulating the required funds is choosing the right financial products and making smart investment decisions. Also, as there are different types of financial instruments in India, comparing them based on your financial needs and affordability will make you a smart investor and help you promptly accomplish your future financial goals.
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The right time to invest is in your 20s. You would have started earning a handsome salary at this age. As your financial commitments are less during your 20s, you can invest more and better. Also, if you start early investment, you will develop the discipline of investing funds for your money goals over the long term. The longer the investment, the higher the power of compounding and the related returns.
Considering the uncertain global economic conditions, smart investors find ways to invest in financial products with low risk and high returns. Investing in low-risk investments for the long term will provide the required returns.
Here are a few low-risk investments in India.
As investments are subject to political and economic changes, you must keep track of the market conditions and examine the volatility and the impact on your investment. It will help you secure the investment value by making timely revisions.
Track investment at regular intervals. It will help you understand how your investment performs during different economic situations. Regular income investment with timely revisions based on changing global scenarios and financial needs can direct your funds to smart investments for financial growth.
Many chase investments with higher returns to accomplish certain life goals and forget about retirement planning. Unfortunately, it can create a crisis at an older age when steady financial support is of utmost importance. Therefore, considering your retirement needs, such as grocery expenses, medical expenses, emergencies, etc., and planning for investments is the smart way to appreciate wealth for the future.
There are different types of investment plans available in India, such as direct equity, mutual funds, ULIP plan, etc., The primary key to smart investing is to analyze your financial condition and short-term and long-term financial objectives, compare the available investment options, and choose the best products for a diversified portfolio.
However, to ensure the required returns from these products, it is important to invest in them consistently. It is the right perspective for a smart investment. In addition, investing consistently over definite intervals in a financial year helps you grow your money.
Endowment plans are investment plans with life insurance-cum-savings benefits. It provides the life cover for the entire policy tenure and the option to save funds to receive them as a maturity benefit.
As the returns are guaranteed* and non-market-linked in an endowment plan, you can plan for your future financial requirements, such as starting a new business, going on a vacation, etc., and decide on the funds required with the timelines and invest in the insurance plan accordingly.
There are different types of such endowment plans with flexible benefits. For example, the Guaranteed Return Insurance Plan provides the option to choose the payout option at maturity between the regular income, endowment, and Whole life income.
Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN: 110N152V11)
Tata AIA
Receive Guaranteed* benefits on policy maturity or in case of unfortunate Death
Life cover for financial protection of your loved ones
Guaranteed Additions^ that boost corpus year on year under Endowment Option
Get tax# benefits as per applicable income tax laws
Gold investment plan is a smart investment decision as the prices remain consistent or are predominantly on the rise. The Reserve Bank of India (RBI) issues gold bonds on the Government's behalf. They are financial securities denominated in grams of gold.
It is an effective substitute for holding physical gold and is considered one of the smart investment options for consistent growth. You can pay the issue price in cash, and the gold bonds will redeem in cash at maturity.
Annuity plans provide financial security for retirement. The annuity plans are designed to provide a regular income post retirement. Typically, retirement plans have the accumulation phase wherein you must regularly deposit a fund to build the retirement corpus. And after retirement, you can withdraw a portion of the accumulated fund and invest the remaining funds in an annuity plan to receive a regular income.
The variable annuity plans help you customize the solutions to your advantage and provide variable returns against fixed-income annuity plans. Insurance providers offer different types of annuity plans.
For example, the immediate annuity plan provides the regular income immediately as you purchase the annuity plan, and the deferred annuity plan starts providing the regular income deferred to a later date.
A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V04)
Tata AIA
Get guaranteed** regular income for your retirement
Single and Joint life option
Get Tax Benefits# as per applicable tax laws
Multiple options are available in this plan: Immediate Life Annuity| Immediate Life Annuity with Return of Purchase Price| Deferred Life Annuity (GA-I) and with Return of Purchase Price| Deferred Life Annuity (GA-II) and with Return of Purchase Price.
The ULIP Plan is a comprehensive life insurance policy that provides dual benefits, life cover for the entire policy tenure, and market-linked returns@ as the maturity benefit. The ULIP plan provides a range of investment options in India, such as equity, debt, and hybrid fund options for high-risk, low-risk, and medium-risk investors. If you are a conservative investor, you can choose low-risk or medium-risk fund options based on your financial goals and affordability.
In addition, the ULIP policy allows switching between the fund options in case of extreme market fluctuations. Therefore, you can switch to a low-risk debt fund option from a high-risk equity fund option at any time. These flexible features help smart investors make the best investment decisions.
In this policy, the investment risk in investment portfolio is borne by the policyholder. Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V04)
Tata AIA
Enjoy life cover up to the age of 75
Our funds have been rated 4 or 5 stars1 by Morning star2
Investment growth with market-linked returns@ & loyalty additions3
21.95% Returns4 + for Multi Cap Fund (Benchmark: 11.94%)
Save taxes as per applicable income tax# laws
Many of you desire to invest in direct equity but hesitate, considering the extensive risks involved and the lack of knowledge. Mutual funds investment is a smart investment decision in such scenarios.
Professionals manage mutual funds under Asset Management Companies. In addition, Mutual funds investment plans also provide different fund options with various risk profiles, such as equity mutual funds, debt mutual funds and hybrid mutual funds, to help you customize the investment and accomplish your financial goals.
Therefore, mutual funds can be a smart investment even for low-risk investors as the fund profile can be customized basis the risk appetite and managed by a reliable AMC.
Real estate investment refers to purchasing a property to generate income, such as selling it at a higher price on a future date or using it for regular rental income. If the property is in a developing area, real estate investing is considered a low-risk investment that provides higher returns in the long term.
Real estate investing is a smart investment option if you have a lump sum amount and are looking forward to long-term returns.
Many of you consider depositing funds in a savings account to earn interest on them over the long term. The high-interest savings account provides one of the safest and best ways to secure your hard-earned money while earning interest and ensuring a certain increase on your principal. It is the best long-term investment plan when the funds are maintained over a long term, such as 10 to 15 years.
The right perspective to earning higher returns over the long term is to make smart investment decisions. Uncertain global economic conditions and increasing family commitments can introduce a financial crisis in your family at any time. While different investment plans help you accumulate the required funds, choosing the right investment products based on your risk profile and financial needs is important. Such a smart investment long term can help you earn higher returns.
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