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8 Best High Return Investment Plans - What Gives More

Updated on September 6, 2015

There are many investment plans which offer high return on your money. Selecting a best plan will ensure higher return with minimum risks. Here is a list of options which yields more on your money. Your future depends on your savings and asset management skills. Your portfolio should ensure you high yield from your hard earned money at time of your expectation.

Nobody wants to lose their money putting in wrong place. You should do a thorough study before investing money or deciding where to invest. The rate of returns from your money is directly related to risk you are willing to take. You should optimize your risk and find out which is the best investment plan for you. Your money management plan should ensure high yield with minimum risk involved.

Proficiency in financial planning not only depends upon making high returns from your investments. It also depends equally in accomplishing proper balance between other four important criteria viz. safety, profitability, liquidity and capital appreciation.


If you are very serious about your financial future, I suggest you to read great informative books like 'The Warren Buffett Way: Investment Strategies of the World's Greatest Investor' written by personal finance guru Robert G. Hagstrom, 'Rich Dad's Guide to Investing' by Robert T. Kiyosaki and 'The Intelligent Investor' written by Benjamin Graham. Good news is that these great books are now available in India too.

These books are filled with some great ideas about stocks, tax planning, retirement planning and about everything else in the financial world. Million copy best seller book costs nothing compared to what you gain from them.

Some of the high yield investment plans which I am going to discuss here are listed below. All listed options may not be appropriate for all investors. It is based on how much risk you are ready to take, how much money you are investing and when you are expecting returns from your money. There are options with least risks and lower returns and higher yield with higher risks.

It is advised not putt all eggs in one basket. You can diversify your portfolio by putting your money in more than one investment option. You can maximize your returns and reduce the risks by diversifying your investment. Gold investment, Real Estate, Equity Shares and Convertible Debentures of good companies offer a partial hedge against inflation.

Stock market

Investing in stock market requires a lot of attentiveness, experience and skill along with risk bearing capacity. Stock market can prove to be very lucrative or also not be up to snuff based on your attentiveness on market fluctuations and how you act upon them. Fundamental and technical analysis will reduce the chances of loss. You should research well the history and future prospects of companies before investing on their shares. Foreign and information technology industry yields higher returns compared to other industries but risk involved in these shares is also very high. If you are conservative on your money, invest in gradually growing industries like PSUs, Oil and gas industries etc. The book on Warren Buffett's way of investing gives lot of insight on picking right stocks and making wise judgements.

Investing in Gold

Gold is known to be safe heaven for investment since history. There are many of options for gold investment like, buying jewels, coins, gold bars, gold exchange traded funds, world gold council coins etc. Gold will yield higher returns on your investments if you buy at lower prices and sell at higher. Investing in gold will be advised when the markets are falling and when inflation is high. Gold is less risky compared to stocks. Gold can be considered as best way to invest money as a long term investment. Article Tips and Tricks for Gold Investment will gives you much more information on different gold investment plans.

Real Estate

Initial investment on real estate is much higher compared to other money management options. Investing money on properties proves to be more beneficial on a long term. Risk involved in properties is very less compared to other options. Price of land generally doesn’t decline and grows exponentially depending on locality. It is more rewarding than in any other investment options. Before buying properties check market price and future development expectations in that locality. Check and verify authenticity of all original documents before signing any agreements.

Security Bonds

Security bonds are another best investment plans. These bonds are issued by governments, government agencies or by a private corporate. You can get back your money after maturity period completes. You will also get interest which is paid monthly or yearly. Interest rate depends on maturity period and money you invested. No risk involved in security bonds unless the corporate declares bankruptcy. Do your researches before you select security bond.

Mutual Funds

There are varieties of mutual fund schemes available in market which suits all types of investors. It is similar to stock investment but risk involved is less since it is a collective investment scheme. The money is invested in diversified capital market instruments such as equity shares, debentures and other securities by Asset Management Companies (AMC). Mutual Funds are most appropriate investment plans for common man, where he can just put his money and portfolio allocations are done by AMC.

Investment on own business

If you are running your own small business, invest your money to uplift your business. You can also think of starting a new small business which you like. This is one of the best way to invest money if you have any interest on running an own business. You can enjoy all profits you get from your business at the same time business risks are also more. Do a basic research on demand and supply before setting up a business.

Insurance plans

Insurance doesn't come under high return investment plans but your money is more secured in this. We can not compare the health insurance plan against other money management options. You can’t expect more returns from insurance plans but there are enough reasons for one to consider it. It can be a highly profitable way to make easy savings.

Investment in Banks and Post Office

Banks provide different savings schemes like fixed term deposit, recurring deposit etc. You will be having premature withdrawal options in some schemes. Returns from these investments are less compare to other investment options but risk is totally zero. Select fixed term deposit or high interest savings accounts.

There are many other investment and money saving plans available. Each of the option listed above may not be suitable for all type of investors. Select best plans suitable to you and diversify your investments in them.

A retired person with substantial savings may not think about very much for high returns and think about investment risks. A young person with a regular salaried income may be concerned for income from growth-oriented investments plans. A person loaded with profound family commitments towards parents, siblings and children may give a higher priority to liquidity of investments. A first generation investor from a rural or semi-urban backdrop may give more importance to safety as the most significant objective. An investor in a high tax bracket may wish capital appreciation to regular income and shortly. Some good books from experienced investment gurus gives lot of ideas and simple tricks for a successful strategy.

The important point to note down is that there are different investment criteria for different people. The very first, and vital step, is to evidently spell out for yourself what your objectives are. These have then to be cautiously balanced through a skillful process of investment planning and money management.


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    • profile image

      Pratik Desai 

      3 years ago

      I want 15 lacs after next 5 yrs..I can invest 15000 annualy till 5 yr..Give me suitable plan..which is less risky and more returns oriented..

    • profile image


      3 years ago

      Ms Sircar, aged 52 wants to invest Rs 5 lakhs such that every year she receives at least 12-15% returns for the next 5 years. Plan out the investments for her plz

    • shabarigirish profile imageAUTHOR


      3 years ago

      @Naveen, I suggest you to buy 'The Intelligent Investor' written by Benjamin Graham (link provided above). You'll find many investment ideas which will give you highest yields.

      This will be your first step towards wisely 'Investing' your money.

    • profile image

      Naveen saini 

      3 years ago

      Please give an invest plan list

    • shabarigirish profile imageAUTHOR


      3 years ago

      @Rajesh and Keshav, I suggest you to get a copy of books I mentioned above. They are very informative and you'll find them useful to plan your investments. These books will help you to avoid wasting your money and time in experimenting, will show you proven ways for higher yield.

    • profile image


      3 years ago

      please say me about some plans who give me fixed monthly income.

    • profile image


      3 years ago

      Now I am want to invest so I can collecting information which portfolio is more return for me with minimum risk and high return.

    • shabarigirish profile imageAUTHOR


      4 years ago

      You are welcome Shwetha, I'm glad to know this article was useful to you.

    • profile image


      4 years ago

      I am new at investing,& its been great to get all these priceless insights.Great Job.Continue it.Big Thanks.

    • shabarigirish profile imageAUTHOR


      7 years ago

      Thanks for your comments Neil and Anil.

    • profile image


      7 years ago

      very good information provided.i got the clear cut picture of the investment plans.


    • Neil Ashworth profile image

      George Poe 

      8 years ago from United Kingdom

      Nice work. Thanks for sharing..


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