Best long term investment plan

Long-term investment plans offer better returns at maturity. These types of investments are held for 3 years or more, but such investments require commitment, even if you have to face a financial crisis during this period. Let us give you information about some of the long-term investment options that will be helpful in achieving your financial goals.

Public provident fund

One of the most popular investment options in the country is Public Provident Fund, which is 7. Gives interest at the rate of 90 per cent (from 1 January 2020). Public provident funds also get tax exemption on interest income under Section 80-C. This scheme is best for investors with low risk who want to meet long-term financial interests according to the retirement plan.


Investing in stocks is also an option, but there is no guarantee that you will get any return. However, the benefits of this will be based on your portfolio and risk appetite.

Mutual fund

These are for people who want to invest in bonds and equities to balance Jorivam and profits. There are many types of funds in which you can invest depending on your risk appetite. Apart from this you can also opt for SIP as it reduces the market risk by building portfolio in long term with small investment at regular intervals.

Real estate

Real estate is a fast growing industry in our country and it has excellent prospects in all fields like hospitality, commercial, retail, housing, manufacturing etc. Apart from this, people who have benefited from old investment in real estate


Gold is the all-time favorite investment product. You can invest in gold in any format – Gold Bar, Gold ETF, ‘Gold Mutual Fund, Gold Deposit Scheme, etc. Gold bonds offer a lock-in of 3 to 7 years – a tariff-free interest rate of up to 4 percent in these periods.

Unit linked insurance plan

Unit linked insurance plans, also known as ULIPs, invest in the debt market and equity. In it, you can see the fluctuation according to the net asset value. Although people do not refund ULIP due to the various types of charges, but they can give you a good 8% return on long-term investment.

Equity fund

If you are thinking about tax benefits, then opt for a tax-saving mutual fund, also known as ELSS or equity-linked savings scheme. These mutual funds work like regular equity funds, except that they have a lock-in period of 3 years, as they have a maximum of 1. 5 lakhs provide tax benefit under investment of Rs.

Fixed deposit

Bank fixed deposits in India are an ideal option for investment. As per DICGC rules, each depositor in the bank is insured up to a maximum of Rs 1 lakh for both the principal and interest amount. As per requirement, any person can choose monthly, quarterly, half-yearly, annual or cumulative interest options. In this, the interest earned is added to that person’s income and taxed as per the salary slab.


Some of the investments mentioned above are fixed-income, while others are market-linked. Fixed income and market-related investment both play a role in making money. Market-linked investments help reduce volatility and yield higher returns, while fixed-income investments also help preserve accumulated wealth to meet the desired goal.

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