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One time Investment Plans

One-time investment plan is a financial plan where you can invest a lump sum amount for a specified time period. It can be a great way to grow your money over a period of time by investing at one go and generate a substantial amount of wealth. ...Read More

Explore the range of investment plans from HDFC Life that suit your needs:

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Investment Plans
Investment plans
Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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What is a One Time Investment Plan?

What is a One Time Investment Plan?

A one-time investment plan is a type of investment plan within a financial product wherein a lump sum/single pay of money is put in for a particular duration. It is ideal for investors who are willing to take a risk and have extra funds that are not needed for immediate financial needs. One-time investments can go a long way in answering your query - what is investment?


Best One Time Investment Plans in India 

One-time investments are best chosen according to the amount and time of the investment. Let us learn the best one-time investment plans in India from the table below:

 

Sr. No.

Types of One-time Investment Plans

Ideal Investment Period

Right Time to Invest

Tax Benefits On Investment Amount

Tax Benefits on Maturity Amount

Risk Factor

1

ULIPs

To earn tax benefits, you must wait 5 years.
For retirement planning, allow 10-15 years

Invest early to reap the benefits of compounding

Tax deductions u/s 80C of the IT Act

Tax benefits u/s 10(10D) of the IT Act

Medium to High

2

Equity Funds

5 years and above

3 years for the ELSS Scheme

If you have spare money available for a long period of time

ELSS: Deductions under Sec 80C of the Income Tax Act 
Other Funds: No tax benefits on investment

At the end of the 1 year holding period, tax benefits are available

High

3

Debt Funds

3 years &Above

 Invests for less than 5 years
Tax implications are lower if you invest for more than 3 years

N/A

Indexation benefits on returns at the end of a 3-year holding period

Low

4

Liquid Funds

3 years or less if it's not a SIP

If you have not yet decided on the best long-term investment plan in India

N/A

Holding for 3 years or more attracts lower tax due to indexation benefits

Medium

5

Fixed Deposits (FD)

7 days to 10 years

Depending on your investment horizon

when you want to avoid market-volatility risks

N/A

N/A

Lowest

6

5-Year Tax Saving FDs

Minimum 5 years to gain tax benefits

Extra funds can be used to reap the tax benefits of fixed returns

Tax benefits u/ deductions under 80C of the IT Act

Sec 10(10D) of the IT Act provides tax benefits on returns

Lowest

7

Public Provident Fund(PPF)

For a stable and high-returning corpus, 15 years is recommended

As a safe investment for the retirement period

Deductions under Section 80C of the Income Tax Act, 1961

Tax-free returns

Lowest

8

Sukanya Samriddhi Yojana (SSY)

SSY account up to 21 years or until the girl child marries

Providing tax benefits while creating a fund for the education of girls

Tax deductions u/Section 80C of the IT Act, 1961

Interest earned and Maturity amount is Tax-free

Lowest

9

National Pension Scheme (NPS)

Till the age of 60-70 years

A one-time investment plan that creates a retirement fund and provides tax benefits

Benefits under Section 80C and 80CCD of the Income Tax Act, 1961

Taxable

Low

10

Gold Assets

It Depends on the investor

Invest any time and earn huge inflation-linked returns

N/A

N/A

Lowest

Advantages of One Time Investment Plans

The advantages of one time investment plan include the following: 

1

Convenience of investing

In case of a one-time investment plan you don’t need to worry about investing on particular due dates. It saves you from the hassle of remembering your due date and pay your premiums before the due date.

2

Higher Returns in the Long-Term

One –time investments have the advantage of providing higher returns in the long-run as the investors stays invested for a longer term without having to worry about their money on a regular basis. Since in case of a one –time investment the entire sum of money stays invested, it has the opportunity to appreciate over the time period due the power of compounding. 

3

Low transaction charges

When you invest a lump sum amount through a one-time investment plan you can avoid the transaction charges associated with regularly occurring investments. With a one-time investment plan you only have to pay the transaction charge only once and thus end up paying lower transaction charges.

4

Capital growth

When you invest in a market linked investment products your returns are depended on the market performance and thus can undergo fluctuations from time to time. With a one-time investment plan you have the opportunity grow your wealth over the entire tenure of your investment and curb the impacts of market fluctuations.

5

Taxability Benefits

In some jurisdictions and with certain investment options, the best investment plan with high returns may offer tax advantages. Depending on the circumstances, investments may be eligible for tax deductions. 

6

Aligns With Your Investment Goals

Investors may better coordinate their investments with their long-term financial objectives with the help of the best one time investment plan. Any long-term goal, like retirement, buying a house, or paying for college, may be accomplished with a lump sum investment. Taking a laser-like focus on one time investment plan financial goals might help investors maintain self-control and dedication.

Disadvantages of One Time Investment Plans

Some of the disadvantages of one time investment plan include the following: 

1

Lack of disciplined investment

In case of a one-time investment plan there is no opportunity to develop the discipline of investing regularly as you invest a lump sum amount only once.

2

No flexibility of Investment

One-time investment plans fails to offer you the flexibility of changing your investment strategy as the investment can’t be changed in between the tenure since it’s a lump sum investment

3

Lack of liquidity Funds

In case of one-time investments you are restricted when it comes to liquidity as the entire amount is investment all at once and withdrawing might be associated with additional transaction charges 

4

Risk of Investing in Low Returns Investment Plans

While investing in an one-time investment plan you might face of risk of ending up investing in a instrument that is underperforming and are restricted from changing your investment approach as the entire amount has been invested all at once

5

May Suffer Losses in Market Fluctuations

Investing once makes you more likely to feel the full force of market volatility and swings. When you invest all of your money at once, you leave yourself up to the possibility of a market crash just after you make your tax-saving investments. You risk losing money if your investment's value drops due to strong market swings or a slump soon after you invest. There is no way to reduce the risk of market conditions volatility with a one-time investment. This might increase risk and volatility, hurting your portfolio's performance.

Factors Affecting One-time Investment Plan Decisions

To make an informed decision on a one-time investment plan, it is essential to consider the following factors:
1

Make your Investment choices wisely

Making the wrong choice when it comes to a one-time investment plan could result in financial losses, which is something no one desires. Therefore, it is important to take the time to select an appropriate plan in order to get the most out of your investments.

2

Learn about market valuation

Before committing to a one-time investment, it is important to first gain an understanding of the investment market. This can be done by researching online, reading books, and speaking to financial experts. A fund's historical performance trend and investment calculations are also important to examine.

3

Determine your investment return and liquidity

Before selecting a one-time investment plan, consider whether you prefer a long-term or short-term approach. Doing a bit of research about investing in funds is beneficial.

4

The key is patience

When you have committed to a single-time investment scheme, it is vital to remain calm and not act hastily during market fluctuations. As a rule, the market cycle takes time to run its course. If you are anticipating quick returns, do not invest in a one-time investment plan.

5

Grow your money

Having idle money in your financial portfolio is a missed opportunity to make a profit. You should wisely invest that money in the best one-time investment plan to gain lucrative returns over time.


Why Should You Choose HDFC Life's One Time Investment Plan? 

HDFC Life Sanchay plus is a a Non-Participating, Non-Linked Savings Plan that offers secure future of family and shape up a legacy for them. You can choose the single premium option for this plan and invest an amount as a lump sum and get guaranteed benefits1, life over and tax benefits#.

With HDFC Life's One Time Investment Plan, you may achieve your financial objectives and safeguard your loved ones with a complete bundle of benefits:

  • An array of equity, debt, and balanced fund choices are at your fingertips with HDFC Life's One Time Investment Plan. Your investing approach may then be adjusted to fit your level of comfort with risk and your long-term investments goals.
  • Start your investment with fewer premiums and enjoy the freedom. Start your investing journey off on the right foot with a realistic financial commitment from HDFC Life.
  • Take advantage of the policy's term to profit from your investment's prospective growth. Investing systematically and disciplined in HDFC Life's One Time Investment Plan will help you build wealth.
  • With the savings plan offered by HDFC Life's One Time Investment Plan, you may secure your family's financial future. Your loved ones will be safeguarded in the case of your untimely demise thanks to the plan's extensive life cover insurance.

For instance, you want to invest ₹1,00,000/- in a life insurance policy for ten years using HDFC Life's One Time Investment Plan. Your investment has the potential to grow to about ₹ 1,61,051/- by the end of the policy term, assuming a conservative return rate of 5%.
 

Your investment has the potential to increase to 2,59,374/- in the same time frame, assuming the market does well and you get a 10% return each year. 
 

If you were to pass away while the insurance was in effect, your loved ones would get the amount insured, which would help them weather a problematic financial storm.
 

To fulfill your unique requirements and goals, choose the One Time Investment Plan from HDFC Life. It offers growth potential, flexibility, and financial safety.
 

Note – The above example is only for illustration purposes

FAQs on One Time Investment plans

1 What are one-time investments?

A person makes a one-time investment when they simultaneously put all of their money into a financial product or instrument. The difference between a one-time investment and a systematic investment plan (SIP) is that the former requires regular contributions. In contrast, the latter requires a large amount to be set aside immediately.

2 What is a one-time investment?

A lump sum investment is another name for a one-time investment plan high return. Due to the one-time character of the investment, this word highlights its singularity.

3 What is the best one time investment plan?

You should consider a one-time investment based on your investment objectives, risk tolerance, and investment horizon.

4 What are the advantages of a one-time investment?

If the market does well over the investing term, a one-time investment might yield more than a series of smaller investments.

5 Can I invest only one time?

Yes, you can choose to invest in the best investment plans with the option to make either a single lump sum payment or periodic instalments. One-time investment plans allow for a Single Pay option, whereas SIPs allow for payments to be made on a monthly, quarterly, half-yearly or yearly basis.

6 Is one time SIP good?

With SIPs, you can invest a small amount of money consistently, which helps to even out the cost of your investment despite market fluctuations.

7 How to invest Rs. 10,000 at a one-time?

Start early with one-time investments such as equity mutual funds, debt mutual funds, liquid funds, fixed deposits, gold assets, and government schemes such as life insurance, PPF, EPF, and Sukanya Samriddhi Yojana.

8 What are other options for a one-time investment?

When you invest a significant quantity all at once, the money goes straight into the market or your investment option, so you may start seeing returns immediately. One-time investments are a great option since they are easy to understand and only involve a single decision-making process. Investing once may maximise profits due to reduced transaction costs since fewer transactions are involved than SIPs.    

9 Is a one-time investment better than SIP?

A person's financial objectives, risk tolerance, and investment horizon are the most important considerations when deciding whether to invest once or establish a systematic investment plan (SIP). While it's easy and might provide returns right away with a lump sum, systematic investment plans (SIPs) allow for rupee-cost averaging and disciplined investing over the long haul. An investor's goals, financial situation, and personal preferences should be considered while deciding between the two.

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Disclaimer

  1. Provided all due premiums have been paid and the policy is in force.
  1. Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime. 

#Tax benefits & exemptions are subject to conditions of the Income Tax Act, 1961 and its provisions.

#Tax Laws are subject to change from time to time.

#The customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

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