Best Investment Plans for Guaranteed Returns in 2025

What are the Benefits of Investing in Guaranteed Returns Investment Plans?

As mentioned, guaranteed return plans have the benefit of stable returns, but that's not just it. In addition to that, here are some compelling benefits of guaranteed return plans that you may look out for.

1. Guaranteed returns help you save and grow your income steadily, which can ultimately be aligned with your financial requirements.
2. Best investments with guaranteed returns help you earn consistent returns which are independent of market volatility.
3. You remain stress-free and do not have to compulsorily need to engage in rigorous monitoring, reading charts, etc.
4. Some guaranteed savings plans also have customisation features where you may adjust the frequency of premium payments.
5. These also come with tax-saving benefits, which further grow your income.

At Jio Insurance Broking, we have a customer-oriented portal where you can explore multiple investment options, compare them, and choose as per your requirements.

Top Investment Plans for Guaranteed Returns in 2025

Let's move forward and take a look at some of the best investment plans offering guaranteed returns:

Endowment plans

Endowment plans offer dual advantages, including guaranteed savings benefits and life insurance. These investment plans are generally designed with a specific lump sum amount that is provided to the insured after the maturity of the policy tenure. The life protection component ensures the sum assured is passed to the beneficiary in case of the unexpected demise of the insured.

What you need to know?

• Endowment plans are of several types, including profit plans and non-profit plans. Consider reading about these types to choose the plan that matches your requirements.
• You may also add optional riders to the policy that enhance the coverage.

FDs

Fixed Deposits have been a popular choice among investors because of the stability and predictability that come with them. Here, the interest rate is already predetermined, which is applied throughout the policy tenure. This fixed date gives you a clear idea of your earnings at maturity.

What you need to know?

• FDs can be short and long-term. The tenure of these FDs may range from a few months to as long as 10 years.
• You may be allowed to make premature withdrawals from your FD. However, penalty charges might apply.

Recurring Deposits

Recurring deposits are very similar to fixed deposits in terms of typically guaranteed returns, fixed interest rates and low-risk profile. However, the major difference occurs in the way their investment is made. While you may invest in FDs with a lump-sum amount, the investment in RDs is more periodic. The monthly payments help maintain disciplined saving, a habit.

What you need to know?

• Recurring deposits can be started from as low as ₹100.
• The principal amount might not be taxed, while the interest is subject to taxation regulations.

Treasury Bills

Issued by the GoI, Treasury bills (T-bills) are promissory notes of repayment in future. In contrast to other investment options, these are zero-coupon securities, where you aren't offered an interest rate but returns based on the price differences. The returns are guaranteed, meaning if you bought them at a discounted rate, they are going to be redeemed at their face value.

What you need to know?

• A minimum investment of ₹25,000 has to be made to secure T-bills.
• T-bills can be bought via the primary and secondary markets and through the Reserve Bank of India.

Let’s Conclude: Are Investment Plans with Guaranteed Returns Worth It?

Given the era we are living in, financial markets are affected by something new every day, be it geopolitics, economic shifts, investor sentiment, and more. In such a scenario, guaranteed return plans stand tall as stable and secure investments. The earnings might be comparatively modest; however, securing your investments here allows you to be bolder with other investment options.

With guaranteed outcomes, you do not have to be constantly vigilant of everything. You simply need to focus on your long-term goals instead of solely relying on short-term trends and moves. Also, before you choose a suitable plan, make sure to assess factors like policy tenure, premiums, sum assured, financial goals, taxability and risk appetite, and choose accordingly.

Happy investing!