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Best Investment Plan with High Returns in India | 2023

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September 5, 2023


What’s Inside

When we think of investment, we often think of traditional investment instruments such as real estate, gold or even stocks and bonds. But these are just the tip of the iceberg. There are more types of investments that go beyond the traditional that give us high returns.

In this blog, we will explore the top investment plans in 2023 that one should consider if they’re aiming for high returns.

Best Investment Plan with High Returns in India Consider


Equity, also known as stocks, is a well-known investment. Buying shares means owning part of a company. Companies offer shares to raise funds. You hope the share's price will rise for profit, but it could fall too. Some stocks also pay dividends, regular earnings to investors.


Buying a bond means lending money to an entity, often a company or government. Corporate bonds are riskier, while state/local government bonds are less risky, followed by business bonds. Lower interest rates mean lower risk. Bonds are great for beginners due to their low risk. Bonds are fixed-income investments, with regular interest payments and full repayment at maturity.

Mutual funds

Mutual funds pool money from multiple investors to buy various assets like stocks and bonds. A fund manager handles investments based on its strategy. They can be good for beginners due to diversification. As the fund's investments grow, so does its value, allowing you to sell it for a profit.


ETFs are similar to mutual funds, combining investments that track market indexes. They're beginner-friendly and less risky, especially with broad index ETFs. Unlike mutual funds, ETFs are traded on stock exchanges. Investors aim for appreciation and potential dividends or interest.


Annuities, a retirement-saving option, involve insurance payments for future income. Different types exist, with varying durations and payment methods. Some may be linked to the market, while others are standalone insurance plans. Annuities offer steady, lower-risk income in retirement, often complementing other funds rather than being the main source.

While aiming for high-return investments is great, understanding the tax implications that come with it is crucial. Let’s understand what one must keep in mind when it comes to impact of taxation on investment returns.

Understanding the Impact of Taxes on Investment Returns

  • Tax on capital gains

If you sell an investment for more than what you paid for it, you will likely have to pay taxes on the capital gains. The tax rate depends on how long you held the investment and the type of investment.

  • Tax on dividends and interest

Earnings from investments such as stocks, bonds, and mutual funds may be subject to taxes on dividends and interest income.

  • Tax-deferred accounts

Retirement accounts such as 401(k)s and IRAs allow you to defer paying taxes on your investments until you withdraw the money in retirement.

  • Tax-efficient investing

Strategies such as tax-loss harvesting and asset location can help minimise the amount of taxes you pay on your investments.

It's always a good idea to consult with a tax professional to understand the tax implications of your specific investments and to develop a tax-efficient investment strategy.


This blog covers the many investment options people use, including high-return plans like stocks and gold. Other options with high returns include cryptocurrencies, real estate, and options trading. Remember, there are many investment options beyond the typical stock and gold but understanding how their taxation plays out is equally crucial to your portfolio.

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Frequently Asked Questions

1. What are the top 7 types of investments?

There are numerous types of investments out there. Some of the top ones are- Stocks, bonds, mutual funds, ETFs, annuities, commodities and retirement plans.

2. Is it smart to invest in gold?

Gold is a good investment for long-term. It's often considered a good investment for portfolio diversification. You can also make gold a useful hedge against inflation.

3. What are the 3 types of investors?

Three major types of are personal investors, angel investors and venture capitalists.

4. Which investment gives quick returns?

Here are some of the best investment options for short term returns in 2023-

  • Recurring Deposits
  • Money Market Account
  • Debt Instrument
  • Bank Fixed Deposits
  • Post-office Time Deposits
  • Large Cap Mutual Funds
  • Corporate deposits

5. Is a 6% rate of return good?

Achieving an annual ROI of around 7% or higher is considered favourable for stock investments, which aligns with the average annual return of the S&P 500 when adjusted for inflation. Fixed Deposits, these days give more returns than 6%. So, do your research before investing.

6. How to find the best investment plan?

Finding the best investment plan depends on your financial goals, risk appetite, time horizon, and tax implications. There is no one-size-fits-all solution, but you can compare different investment options based on their features, returns, risks, and tax benefits

7. What are the best investment plans for 5 years?

Find the best investment plan for 5 years based on your goals, risk, time, and tax. Compare different options like PPF, NSC, mutual funds, ULIPs, and SCSS. Do your research and consult an advisor.

8. How can I get my investment return higher?

To get the investment return higher Invest regularly and consistently. Take the right risk and diversify. Don’t overreact to the market. Cut costs and taxes.

9. How can I start investing in my 20s?

You can start investing in your 20s by setting goals, saving for retirement, choosing a broker or robo-advisor, getting financial advice, keeping short-term savings, and increasing savings over time.


Investment and securities are subject to market risks. Please read all the related documents carefully before investing. The contents of this article are for informational purposes only, and not to be taken as a recommendation to buy or sell securities, mutual funds, or any other financial products.
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