7 Types of Investment Plans -What Will Make You the Most Money?

7 Types of Investment Plans -What Will Make You the Most Money?


There are various investment options that can help a person earn significant returns. An investor can choose a plan based on his/her requirements.

In this article, we will take a look at 7 investment plans that can help you earn high returns.

Every investor wants to earn more from their money. By making higher profits, investors can achieve their financial goals. Thus, they look for various investment options that can help them gain more returns. However, before selecting an investment plan, an investor should consider a few things, such as his/her risk appetite, investment tenure, expected returns, etc. When a person invests in the right investment option, he/she can achieve his/her financial goals and accumulate a substantial corpus to live a stress-free life.

Here are some of the investment options that can help a person gain more returns-

Direct Equity

In order to earn significant returns, direct equity is considered one of the best investment options. Equity shares tend to offer the highest returns compared to other types of options.

But before investing in equities, investors should research the market. They need to analyse the sector or company they want to invest in. Furthermore, it is wise to stay invested for a longer term in order to gain higher returns from equities.

Real Estate

Almost every investor wants to invest in real estate as it can help them substantial profits. As the demand for property increases constantly, its value also rises. Thus, many prefer investing in real estate in order to earn high returns after a longer term. Furthermore, investing in real estate reduces risk. This is because the price of real estate generally rises.


One of the most common investment options for most people is gold. Generally, the value of gold stays stable. Hence, it is not very risky to invest in gold. It can also provide the investor with good returns.

Another option is to invest in gold exchange-traded funds (ETFs). The gold ETF is traded on the stock market.

Mutual Funds

Mutual funds are preferred by many investors as it is easy to invest in them. Furthermore, they allow investors to invest in market-linked instruments like equity, debt, etc. The returns are generated based on the market performance of the fund.

Primarily, there are two investment options in mutual funds- equity mutual funds and debt mutual funds. Equity mutual funds invest in market-linked securities. Debt funds invest in securities like government securities, corporate bonds, commercial paper, etc. An investor can choose to invest in a fund based on his/her risk appetite. For instance, if an investor has a high-risk appetite, then he/she can invest in equity mutual funds.

RBI Bonds

The tenure of RBI Bonds is 7 years. They offer an interest rate of 7.75% per annum. There are two options for receiving interest payment- non-cumulative and cumulative option.

If an investor chooses the non-cumulative option, then the interest can be received as regular income. However, if the interest is re-invested, then it will be offered within the cumulative option.

Unit-Linked Insurance Plan (ULIP)

ULIPs are insurance products that offer investment and insurance benefits. A part of the premium is invested in insurance and the remaining amount is invested in various investment instruments. Therefore, this policy can provide financial protection as well as help in earning higher returns.

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

This scheme is for individuals above 60 years of age. The scheme provides pension income based on the choice of the investor. The pension is payable monthly, quarterly, semi-annually, or annually.