Top One-Time Investment Plans in India


5 min read

Updated on Feb 28, 2023

If you need a robust investment plan for your idle money and are ready to take risk, the top one-time investment plans are the ones to consider. Let’s learn more about them in this post.

Different people have different investment requirements. Some want stable and risk-free plans and do not want to take any risk with their money, while there are others who would like to generate value for their savings by taking risks. Depending on your investment temperament, you can consider investing in varied plans available in India. However, if you are seeking an investment plan that can be used to invest your yearly bonus while meeting your long-term monetary goals, the top one-time investment plans for 2022 would suit you the best. These plans are crafted to meet the needs of people who have enough money in hand and who are willing to take high-risks.

When it comes to investing in a one-time investment plan, you get benefits that are galore.  Some of the unique one-time investment plans from SBI and LIC allow the insured to enjoy capital appreciation, better returns in the long run, paying the transaction fee only once, and no need to worry about premium dates among others.

Here, we are discussing in detail about the one-time investment plans and how to choose the best one time investment plan to receive high returns.

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About One-Time Investment Plans

As the name suggests, the one-time investment plan is one where the investor puts a huge sum of money for a single investment and a fixed tenure. So, in case you have enough inactive money with you, you can invest in LIC’s one-time investment plan with high returns. Since you cannot predict the future and the unforeseen events in life, it is better to invest in good policies so that you can use the money if you need it in abundance at any time in future. These investments come as a great boon in the future when you retire.

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Also Read: Best Child Education and Investment Plans in India 2022

5 Benefits of the One-Time Investment Plans

Below are some benefits of the one-time investment plans, which will acquaint the likely buyers about the policies to understand them better.

  1. Good to get return on your inactive money – If you have a good amount of inactive money with you that you do not require it in the near future, you can invest that money in a one-time investment plan. The one-time investment plans are better to gain good returns as compared to the low return schemes
  2. No need to worry about premium payment – With one-time investment plans, the investor can stay away from the worries of paying yearly premiums. As such, people tend to forget the premium payment dates and thus get into trouble However, this issue doesn’t arise with the one-time investment policies
  3. Long-Term Investment with good returns – The best part about the one-time investment plans from LIC and other reputed insurers is that you can be rest assured about the safety of your money for a long-term and can use it for life events like marriage of kids, purchasing of property and so on in future
  4. Low Exchange Cost –  The one-time investment policies are available with a low exchange cost, so one can invest in such a policy with a minimal loss
  5. Early Investments receive better benefits – The investor can enjoy benefits in the long run by investing in this best investment policy at an early stage

Disadvantages of One-Time Investment Plans

It is important for the consumers to understand the disadvantages of one-time investment plans so that they can analyze everything before investing in them.

These plans lack investment discipline – The one-time investment plans lack discipline as under these plans the investor is required to invest a huge sum of money at one go. The lack of investment discipline can make the investor feel under monetary crisis at certain point during the policy duration

Involve high risk – As compared to other policies, the risk of investing in a one-time investment plan is much higher. This is due to the fact that the market is highly volatile and the plan may incur loss and cause you misery

Since there is so much risk involved in the one-time investment plans, you need to consider certain things before investing .

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3 Points to Take Note of While Buying the Best One-Time Investment Policy

Be it any investment policy, it is not recommended to hurry in buying a plan when it comes to insurance. So, it is better to note the below factors before investing;

  1. Market Value – The market value of the policy is the most essential thing to consider while buying a one-time investment policy. Further, if you do not have enough knowledge of the plan or you are not sure about it, it is better to get suggestions from an expert to clear your doubts
  2. Estimation of Return and Liquidity – It is equally important to decide beforehand if you want to invest in a short-term or a long-term investment plan. Consider your option after analyzing all the pros and cons including your immediate financial requirements
  3. No Hurry – You cannot take the decision of buying the best investment policy in India in a hurry. You have to take the decision with a cool mind after doing good research

8 Top One-Time Investment Plans in India for 2022

Here is a list of some of the Best One-Time Investment Plans with High Returns:

  1.         HDFC Small Cap Fund
  2.         ICICI Prudential Bluechip Equity Fund
  3.         Reliance Large Cap Fund
  4.         Aditya Birla Sun Life Tax Relief 96
  5.         Kotak Emerging Equity Scheme
  6.         UTI Nifty Index Fund
  7.         SBI Banking and Financial Services Fund
  8.         Tata Equity Fund

Read More: Best Investment Plans for a New Born Baby in India, 2022

To Sum Up

The one-time investment plans allow good opportunities for the investors to gain good returns. These plans are reliable yet risky. Hence, it is recommended to read and understand the plans well before investing. Also, it is recommended to compare several one-time investment plans from different insurers to choose the one you trust the most.

Also read: What is a Retirement plan and Why Is it So Important?

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FAQs on One-Time Investment Plans

What is a one-time investment plan?

A one-time investment plan is a financial product that allows you to invest a lump sum of money in a single transaction. Unlike a recurring investment plan, where you invest a fixed amount of money at regular intervals, a one-time investment plan allows you to invest a larger amount of money in one go.

What are the benefits of a one-time investment plan?

One of the main benefits of a one-time investment plan is that it allows you to invest a larger sum of money at once, which can potentially yield higher returns over the long term. Additionally, it can be a convenient option for those who have a lump sum of money to invest but may not have the time or resources to manage multiple smaller investments.

What are some types of one-time investment plans?

There are many types of one-time investment plans available, including:

Mutual funds
Stocks and bonds
Real estate
Certificates of deposit
Each type of investment plan has its own unique characteristics and potential risks and rewards, so it's important to do your research and seek advice from a financial professional before investing.

What should I consider before investing in a one-time investment plan?

Before investing in a one-time investment plan, you should consider your investment goals, risk tolerance, and time horizon. It's also important to research the specific investment options available to you and their potential risks and rewards. Consulting with a financial advisor can help you make informed decisions and develop a personalized investment plan that aligns with your goals and needs.

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Oct 27, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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