On the way to starting your investing journey, you will find a road split that leads you to two different investment pathways. You can name these different pathways as one-time investments or regular investments. Both of these investment pathways are designed for meaningful wealth creation and will help you achieve your financial goals.
What differentiates both is the availability of capital to invest and your investment objectives. In this article, you will explore some of the best one-time investment plans, emphasizing the importance of investment planning, with high returns in 2024 that you cannot miss adding to your portfolio.
What is a one-time investment plan?
A one-time investment plan is a type of investment that allows you to invest a lump sum amount in a scheme that offers high returns over a period. Unlike regular investment plans, where you have to make periodic payments, a one-time investment plan requires only one payment at the beginning.
This can benefit investors with a large sum of money available who want to make the most of it. A one-time investment plan can also help you save on transaction costs and taxes, as you don’t have to pay them repeatedly. Some examples of one-time investment plans are fixed deposits, mutual funds, stocks, bonds, etc.
Best one-time investment plans in India
If you are looking for a smart way to invest your money and get high returns, you might want to consider the best one-time investment plan in India.
Depending on your risk tolerance and investment horizon, you can choose the best one-time investment plans with high returns:
- Equity Mutual Funds
- Sovereign Gold Bonds (SGBs)
- National Pension Scheme (NPS)
- Public Provident Fund (PPF)
- Stocks
- Liquid Mutual Funds
- Bank Fixed Deposits
- Recurring Deposits
- Unit Linked Insurance Plans (ULIPs)
- National Savings Certificate (NSC)
We have handpicked some of the top one-time investment plans in India. Some are popular due to their low-risk profile, and some due to their attractive returns or tax benefits. However, these plans cover investors with a wide range of risk profiles and preferences.
Best one-time investment plans for 1 year
If you have some spare money and want to invest it for the short term, you might be looking for the best one-time investment plans for 1 year. These are plans that allow you to invest a lump sum amount in a scheme that offers high returns in a year or less. However, you should also be aware of the risks and tax implications of these plans before investing.
Let us talk about some of the best one-time investment plans for one year that you must know:
Fixed Deposits: A fixed deposit is a one-time investment plan where you deposit a certain amount of money in a bank or a financial institution for a fixed period.
You earn interest on your deposit at a predetermined rate, which is usually higher than a savings account. Fixed deposits are safe, easy, and convenient to invest in.
Liquid Funds: Liquid funds are a kind of debt mutual fund that puts money in short-term debt instruments that mature in 91 days or less. These funds are low-risk and offer steady returns. These funds offer high liquidity, low risk, and stable returns.
You can redeem your units anytime without any exit load or penalty. Liquid funds are also suitable for parking your emergency funds or surplus money. However, it works great as a one-time investment plan, and maturity is subject to taxes as per the relevant slab.
Arbitrage Funds: Arbitrage funds are a kind of equity mutual fund that makes use of the price gap between the spot and futures markets. These funds buy and sell securities at the same time in different markets and earn risk-free profits from the arbitrage opportunities. Arbitrage funds offer high returns, low volatility, and tax benefits. This one-time investment plan for one year is treated as an equity scheme for taxation purposes.
Also Read: 7 Best Short-Term Investment Plans in India
Pros and cons of one-time investment plans
| Pros | Cons |
|---|---|
| One-time investment plans offer ease of access and flexibility. | Most of the one-time investments are based on market performance except for FDs, where returns are comparatively lower. Hence, they are highly risky and not suitable for conservative investors |
| Convenient and preferred investment scheme to park surplus funds | Making a one-time investment requires careful research and timing, as you may miss out on the benefits of rupee cost averaging or compounding that SIPs offer. |
| One-time investment plans are plenty. You can pick one that matches your risk profile and objectives. | You miss out on the benefits of diversification and portfolio rebalancing. |
| Some of the one-time investment plans work as tax-saving tools, offering tax rebates under Section 80 C. | Some schemes, like FDs, have a pre-mature withdrawal penalty, and some have a lock-in period. |
Things to Know Before Investing in One-Time Investment Plans
One-time investment plans are plans that give you the convenience of investing a lump sum amount in a scheme.
One-time investment plans can be of various types, such as fixed deposits, mutual funds, stocks, bonds, etc. You can choose the best one-time investment plan based on your financial goals and risk preferences.
One-time investment plans offer some advantages, such as capital appreciation, low charges, better returns in the long run, and convenience. However, they also have some disadvantages, such as market fluctuations, timing issues, diversification challenges, and liquidity constraints.
Before investing in a one-time investment plan, you should consider some factors, such as the existing market conditions, the return potentials, the liquidity, the patience, and the investment duration.
You can compare and choose the best plan for your financial goals and needs.
Conclusion
One-time investment plans are a great way to grow your money and achieve your financial goals. They allow you to invest a lump sum amount in a scheme that offers high returns in the long run.
However, they also come with some risks and challenges that you should be aware of before investing. Therefore, you should do your homework well before choosing the best one-time investment plan for yourself.
You should also consider your risk potential, investment horizon, and financial objectives while making your decision. Some of the best one-time investment plans with high returns in India in 2024 are equity mutual funds, sovereign gold bonds (SGBs), National pension schemes (NPS), liquid funds, arbitrage funds, fixed deposits (FDs), and FDs.
Start investing today in one of the best plans we have discussed and enjoy the benefits of a one-time investment.
FAQs on One-Time Investment
Can I only invest once?
You can invest in some of the one-time investment plans we have discussed, such as fixed deposits, mutual funds, stocks, bonds, etc. However, you should be aware of the risks and benefits of making a one-time investment and choose the best plan for your financial goals and needs.
Which scheme is best for a one-time investment?
One-time investment plans are schemes where you invest a lump sum amount once and get high returns later. To choose the best scheme, consider your objectives, risk, time, and tax factors. Some popular schemes are equity mutual funds, SGBs, NPS, RDs, liquid funds, arbitrage funds, FDs, and 5-year tax-saving FDs.
How to invest one-time money?
To start with, decide your goal, risk, time, and budget. Research the options for one-time money, such as FDs, MFs, stocks, bonds, etc. Compare the features, benefits, risks, returns, and tax implications of each option and select the best one. Monitor your investment performance and make adjustments if needed.
Is a one-time investment better than SIP?
There is no definitive answer to which is better, as both have their advantages and disadvantages. A one-time investment may result in better returns over SIP if the investment is made for a longer period and at the right time when the market is low. This reduces the average cost per unit and enhances the returns in the long run. A SIP also helps you to invest regularly and systematically without worrying about timing the market.
Can I choose mutual funds for a one-time investment?
Yes, you can choose mutual funds for a one-time investment. Mutual funds are a type of investment where you pool your money with other investors and invest in a portfolio of securities, such as stocks, bonds, etc. Mutual funds offer various benefits, such as diversification, professional management, liquidity, and flexibility. A one-time investment in mutual funds can suit you if you have a large sum of money available and can stay invested for the long term.
How to invest Rs10,000 at one time?
To invest Rs10,000 once, you can choose either equity mutual funds if you are an aggressive investor or a fixed deposit if you are a conservative investor. If you can afford higher risk and can be patient in investing, choose equity as a one-time investment plan with high returns.
How to invest Rs. 50,000 at one time?
To invest Rs. 50,000 at one time, you need to find a good option that matches your risk, return, and time preferences. There are many options in India, such as fixed deposits, mutual funds, stocks, bonds, etc. One of the best options will be a one-time investment in mutual funds that can help you diversify your risk and pocket good returns in the long run.
