One-Time Investment Plans: Grow Your Wealth with a Single Deposit

Who Should Invest in One-Time Investment Plans?

While anyone can invest in one-time investment plans, they are generally popular among people receiving a sudden surplus of cash, in the form of a bonus, profit, inheritance, etc.

In addition to that, here are some people who may consider investing in these investment plans.

1. A one-time investment is usually more beneficial for investors with a longer investment horizon. It might not be the best option for those who have some immediate financial needs. It is more suited for investors who want to grow their money over time.
2. Retirees can wisely use their retirement benefits and allocate them to a variety of funds. This might also help them generate a steady source of income.
3. Young individuals with incentives or bonuses can invest this extra cash, allowing it to grow eventually in the long run.
4. One-time plans are also suitable for NRIs. They can also use this opportunity to invest in the growing Indian economy, minus the hassle of regular payments and monitoring.

What are the Benefits of One-Time Investment Plans?

By now, you already have a fair understanding of one-time investment plans. Now, let's check out some of their compelling benefits.

1. With a variety of one-time investment options, the chances of enhancing your returns are also quite solid.
2. Investing in one-time investment plans and assets can help diversify your portfolio, which ultimately works wonders as a risk-mitigating strategy.
3. With one-time investment plans, you have the flexibility to choose from a variety of assets or instruments.
4. With these investment plans, you have the convenience of just putting your money in at once and allowing it to grow. Here, you do not have to engage in daily monitoring.

At Jio Insurance Broking, we have a user-centric approach where you can compare and choose plans that work best for you as per your financial plan, goals, and risk appetite.

One-Time Investment Plans 2025

Thinking about making a one-time investment? Check out these popular options that you can consider.

Mutual Funds

Mutual funds are quite popular because of the flexibility they offer and the management by expert professionals. These come in handy to diversify your portfolio and enhance your returns with market-linked investments. Further, ELSS, better known as Equity Linked Savings Scheme, are mutual funds that are eligible for tax deductions under Section 80C of the Income Tax Act of 1961.

What you need to know?

• Mutual funds are market-linked, and your returns can fluctuate, so invest as per your risk appetite
• You need to pay taxes on the capital gains.

ULIPs

A Unit-Linked Insurance Plan offers a variety of benefits that make it a preferred one-time investment option for many. To start with, it blends the benefits of both insurance and investment. Second, with ULIPs, you have a variety of fun options to choose from, such as debt, equity and more. Not to forget, these also qualify for tax deduction benefits under section 80C of the IT Act, 1961.

What you need to know?

• ULIPs come with a lock-in of 5 years
• You have the option to switch between funds.

Direct Equity or Stocks

Stocks, also popularly called “equities”, are simply shares in individual companies. By investing in stocks, you acquire ownership rights in a company. Investing in this asset can help you earn advantages like high returns, portfolio diversification, easy investment, liquidity, dividend income, and much more.

What you need to know?

• Stock investment comes with high earning potential, but the risks are also high
• Typically, it is better and safer to invest in well-established companies. Small-cap equities have high risk and high return potential

Fixed Deposits

Looking to invest your hard-earned money into something safer and more stable? Well, fixed deposits (FDs) are a popular choice. These offer guaranteed returns as market fluctuations do not have much impact on your earnings. Typically, fixed deposits have a fixed rate of interest that is the same throughout the tenure. This offers predictability and stability, helping make your financial planning much more informed and convenient.

What you need to know?

• Tax-saving FDs qualify for tax benefits. However, in case the interest earned exceeds ₹40,000 per year, it becomes taxable.
• Senior citizens may enjoy better interest rates. Consider checking your eligibility for the same.

Gold

A popular way to invest, gold has always been a popular choice. It is considered safe and acts as an excellent hedge against rising costs and inflation. It is tangible, highly liquid and helps with diversification. Plus, you need no specialised knowledge for gold investment. These days, you may easily invest in gold via several options, including sovereign gold bonds, gold ETFs, mutual funds, digital gold, and more.

What you need to know?

• Digital gold may also help you avail of gold loans against the same.
• Before investing in digital gold, consider checking the authenticity of the service provider, application, and other factors. Choose only a reliable platform.

Final Word

There are a variety of one-time investment plans available in the market. And while these offer a plethora of benefits, they also come with certain aspects that you should know. What's important for you is to understand what works best for you. Assess your risk tolerance, check the lock-in period, as certain investments may not allow early withdrawals and consider the tax implications. With little research and effort, you can choose the plan that helps your money grow.

Happy Investing!