Everyone wants a secure financial future, but with so many investment options available, it’s tough to know where to put your money. While stocks and mutual funds are popular, investment plans provide a more structured and low-risk approach to growing wealth.
In this post, we’ll cover the 7 best investment plans for 2025 that offer high returns and minimal risk.
1. PPF (Public Provident Fund)
- Interest Rate: 7.1% p.a.
- Tax Benefits: Exempt from tax (Section 80C).
- Lock-in Period: 15 years
- Ideal For: Long-term savers seeking safety.
2. National Pension Scheme (NPS)
- Returns: 8-10% p.a.
- Tax Benefits: Up to ₹50,000 extra (Section 80CCD).
- Lock-in Period: Until retirement
- Ideal For: Those who want a pension post-retirement.
3. Fixed Deposits (FD)
- Interest Rate: 5-7% p.a.
- Tax Benefits: Tax-saving FD for up to ₹1.5 lakh (Section 80C).
- Lock-in Period: 5 years
- Ideal For: Conservative investors looking for fixed returns.
4. Mutual Funds (ELSS)
- Returns: 12-15% p.a.
- Tax Benefits: Tax-free up to ₹1.5 lakh (Section 80C).
- Lock-in Period: 3 years
- Ideal For: Investors willing to take moderate risks.
5. Sukanya Samriddhi Yojana (SSY)
- Interest Rate: 7.6% p.a.
- Tax Benefits: Fully tax-exempt.
- Lock-in Period: Until the girl child turns 21
- Ideal For: Parents saving for their daughter’s future.
6. Senior Citizens Savings Scheme (SCSS)
- Interest Rate: 8% p.a.
- Tax Benefits: Exempt from tax up to ₹50,000 (Section 80C).
- Lock-in Period: 5 years
- Ideal For: Senior citizens looking for regular income.
7. Gold Bonds
- Interest Rate: 2.5% p.a.
- Tax Benefits: Tax-free on redemption after 8 years.
- Lock-in Period: 8 years
- Ideal For: Investors looking to invest in gold without the risks of physical gold.
