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Investment refers to putting your money in an asset with the aim of generating income. Financial investments come in different forms, such as mutual funds, unit linked investment plans, endowment plans, stocks, bonds and more. However, the primary goal behind all investments remains the same, i.e., to increase the value of your invested money.
Investing helps you grow your money which can then be used to meet your future financial goals. When you invest your money, it is likely to provide you with returns. These returns can either be guaranteed“ or market-linked depending on where you invest your money. With guaranteed“ returns, the amount you receive is fixed at the beginning of the investment. With market-linked returns, you get the option to invest in equity and debt markets. Equity markets have the potential to provide high returns but carry high risks as well. Debt markets carry low risk and provide stable returns.
The longer you stay invested, the higher the returns you are likely to receive. These returns can serve as a source of income and help you fulfil your financial aspirations.

There are multiple opportunities to invest in India. It is important to choose the one that aligns with your requirements. You can consider factors such as returns, risk, lock-in period, flexibility of investing money and withdrawing at times of need, and more.
Below are a few key options to invest in India:

Unit Linked Insurance Plans (ULIPs)

A ULIP is a life insurance plan that helps you save money as well as provides you with a life cover. It provides you with market-linked returns to fulfil your financial goals and a life cover to secure your loved ones financially in case of an unfortunate event. ULIPs offer you the flexibility to invest in equity, debt, or a combination of both funds as per your risk appetite. You can choose the amount you want to invest regularly in your ULIP. With a mandatory lock-in period of 5 years, ULIPs are best suited for the long-term investment horizon.

The premiums paid under the policy are eligible for deduction up to 1.5 lakh p.a. subject to conditions under Section 80C of The Income Tax Act, 1961. The returns from ULIPs are also exempt as per conditions mentioned under Section 10(10D) as per the prevailing laws.

Savings/endownment plans

An endowment plan is a life insurance plan that offers fixed returns along with a life cover. These are low-risk plans that help you save regularly for your future financial goals. You can choose the amount you want to invest regularly in your plan. The returns from these plans are not market-linked and hence, are free from market-related volatility. Depending on the type of plan you choose, you can receive the returns from the plan as lump sum or regular income.

You may consider investing in an endowment plan for your non-negotiable goals, such as your child’s education or marriage, buying a house, and more.

The premiums paid under the policy are eligible for deduction up to 1.5 lakh p.a. subject to conditions under Section 80C of The Income Tax Act, 1961. The returns are also exempt subject to conditions prescribed under Section 10(10D) of The Income Tax Act, 1961.

Public Provident Funds (PPF)

You can invest in PPF through your bank or the post office. The returns on PPF are slightly higher than prevailing interest rates from banks. PPF investment comes with a lock-in period of 15 years. The minimum investment amount is ₹ 500 per annum, and the maximum is ₹ 1.5 lakh per annum. The contribution to PPF is eligible for tax deduction as per conditions mentioned under section 80C of the Income Tax Act, 1961. Returns recovered from PPF are exempt under the Income Tax Act, 1961.

Fixed deposits

A fixed deposit is a type of investment. You can deposit an amount as a fixed deposit with your preferred bank and earn fixed returns. They are low-risk investment options and come with a lock-in period.

Stocks

Investing in stocks refers to purchasing shares of listed companies. This requires an understanding of the stock market and carries high risk. The returns are market-linked and can be affected by market-related volatility.

Mutual funds

Mutual funds are market-linked instruments. Professional fund managers usually manage investments in mutual funds. You can select from a large number of options which include equity, debt or a mix of both funds. The investments can be made as lump sum, or in a periodic manner. The returns from mutual funds are market-linked and hence, are affected by market conditions.

Real estate

Purchasing real estate is a traditional investment option in India. With real estate investments, you can have the option to get a regular income in the form of rent or sell it for a lump sum amount. The returns from real estate can vary depending on market conditions, the property’s location, and more.

Savings and investment are two different aspects of financial planning. Below are some key differences between the two:

a) Savings

This is the money you set aside from your income for a particular goal, such as buying a car, travelling, staying financially prepared for an emergency, and more. The risk associated with savings is minimal. However, savings do not offer any considerable growth of money.

b) Investment

When you invest your money in the right way, it grows in value and provides you returns. Your investments can be used to fulfil your financial goals such as buying a house, your child’s higher education, and more. Investments also carry a risk that may vary for different investment products.