Best Investment Plan in India with High Returns (1 to 3 Years) (2024)

FAQs

Best Investment Plan in India with High Returns (1 to 3 Years)? ›

To achieve the goal of Rs 1 Crore after 5 years, you need to invest Rs 117,000 per month, assuming annual return of 12%. Even if we assume the return to be 15%, it comes to Rs 107,000 per month.

To achieve the goal of Rs 1 Crore after 5 years, you need to invest Rs 117,000 per month, assuming annual return of 12%. Even if we assume the return to be 15%, it comes to Rs 107,000 per month.

As a rate of return, long-term mutual funds can offer rates between 12% and 15% per year. With these mutual funds, it may take between 5 and 6 years to double your money. Kisan Vikas Patra (KVP): It comes under the Post Office Small Saving Scheme.

If you want to double your money in three years, your investments should earn between 21% to 24% (72/3 years) every year. Similarly, if you want to double your money in five years, your investments will need to grow at around 14.4% per year (72/5).

Can SIP be done for 3 years? You can choose SIP investments based on your preference and investment goals. If you have short-term goals, you can start an SIP for 3 years.

If you invest ₹2 lakh per month for 5 years (total of 60 installments), you would have invested ₹1.2 crore over the period. If you assume a 12% annualized return over the period, you can expect to have ₹1.7 crore at the end of the investment tenure.

if you remain invested for say 3-5 years, your average return on SIP can be anywhere between 8-10%.

How to save $1,000,000 in 5 years? ›

If you have 30 years until retirement

Even with an average annual return of 10%, you'll have to save $481 per month to get to $1 million before you retire. At 6%, you would need to save $1,021 per month.

Invest $400 per month for 20 years

If you're earning a 10% average annual return and investing $400 per month, you'd be able to go from $100,000 to $1 million in savings in just over 20 years. Again, if your actual average returns are higher or lower than 10% per year, that will affect your timeline.

Retiring on $200,000 a year is achievable, but it takes discipline, planning, and making smart financial decisions. Starting early, living below your means, starting a business, and exploring passive income opportunities are all vital strategies to help you reach this financial goal.

If you can afford to put away $1,400 per month, you could potentially save your first $100k in just 5 years. If that's too much, aim for even half that (or whatever you can). Thanks to compound interest, just $700 per month could become $100k in 9 years.

What if I invest $5,000 in SIP for 5 years? ›

RD Vs SIP Calculator: According to Post Office RD Calculator, if you invest Rs 5,000 per month for five years the total return on your investment will be Rs 48,740 (with monthly compounding frequency). RD Vs SIP Calculator: There are different modes of investment these days.

Calculation of SIP returns

To understand this, let us take an example. A monthly investment of Rs 5,000 for 10 years at an expected rate of return of 12 per cent will earn you Rs 11.61 lakh.

SIP investment

FV = Future value or the amount you get at maturity. For example, you invest Rs 1,000 a month in a mutual fund scheme using the systematic investment plan or SIP route. The investment is for 10 years, with an estimated rate of return of 8% per year. You have i = r/100/12 = 8/100/12 = 0.006667.

The only way to make money is to invest regularly over a long period. Assuming an annual return of 12%, you need to invest around Rs 86,000 to create a corpus of Rs 2 crore in 10 years. The best way to make it is to invest in a scheme that matches your investment objectives and risk profile.

It is also possible to accumulate one crore in ten years by saving and investing INR 40,000-45000 per month in an aggressive portfolio. If the SIP amount is increased by 5% annually and the interest rate increases by 12%, it would yield ₹1 crore taking ten years and six months to implement and benefit from this method.

Systematic Investment Plan is a better investment option in comparison to Fixed Deposit especially if you consider the flexibility of investment, advantage of diversification, tax benefits, and higher returns. That is why it is better to invest in a systematic investment plan than in fixed deposit.

By investing ₹1,000 per month via SIPs in this fund, you may be able to benefit from the fund's long-term capital appreciation goals and diversification across market capitalisations. Since its inception, it has delivered 12.43% in CAGR, which is much higher than the 6.32% delivered by its benchmark, S&P BSE Sensex.

30 year SIP of Rs 15000 monthly = Rs 4.8 crore.

Assuming an annual return of 12%, you need to invest around Rs 21,500 every month to create Rs 50 lakh in 10 years. Similarly, you need to invest around Rs 39,500 every month to create Rs 2 crore in 15 years. Do not think round figures like Rs 50 lakh or Rs 1 crore will be enough to achieve your long term goals.

How to make 5 crore in 20 years? ›

If your goal is to create a corpus of ₹5 Cr in 20 years, investing in mutual funds through a systematic investment plan (SIP) can be a smart and effective way to achieve your financial goals. To achieve a corpus of ₹5 Cr in 20 years, you would need to invest approximately ₹1,50,000 per month through a SIP.

Under this rule, the first 15 stands for the monthly investment that you need to make. That is, your monthly SIP amount will be Rs. 15,000. – The second one stands for your investment tenure of 15 years i.e., to achieve the mentioned goal of 1 crore, you need to invest 15000 every month for 15 years.

Yes, for some people, $2 million should be more than enough to retire. For others, $2 million may not even scratch the surface. The answer depends on your personal situation and there are lot of challenges you'll face. As of 2023, it seems the number of obstacles to a successful retirement continues to grow.

Is It Enough to Live Comfortably? The answer to this question is a resounding yes! You can retire on five million dollars. You could retire quite comfortably on that amount of money.

Based on an investment of $25,000 today, it'd take a return of 13.08% per year to transform into $1 million in 30 years. If you require a shorter time to grow your investments, you'll need a higher return to arrive at $1 million sooner.

So, can you retire at 60 with $1 million, and what would that look like? It's certainly possible to retire comfortably in this scenario. But it's wise to review your spending needs, taxes, health care, and other factors as you prepare for your retirement years.

The 4% rule suggests that a $1.5 million portfolio will provide for at least 30 years approximately $60,000 a year before taxes for you to live on in retirement. If you take more than this from your nest egg, it may run short; if you take less or your investments earn more, it may provide somewhat more income.

Can You Retire With $1.5 Million at 55? If you have $1.5 million saved up and want to retire at 55, this may be enough for you. The reality is that it all depends on your withdrawal rate — the amount of money you consistently take out of your accounts to support yourself — and how long you live.

Which mutual fund has given highest return in last 3 years? ›

4 Stocks that double every 4 Years: 1. Asian Paints 2. Dabur 3. HCL 4.

Invest $400 per month for 20 years

If you're earning a 10% average annual return and investing $400 per month, you'd be able to go from $100,000 to $1 million in savings in just over 20 years. Again, if your actual average returns are higher or lower than 10% per year, that will affect your timeline.

Calculation of SIP returns

To understand this, let us take an example. A monthly investment of Rs 5,000 for 10 years at an expected rate of return of 12 per cent will earn you Rs 11.61 lakh. The gains made by you in this scenario will be approximately Rs 5.61 lakh (Rs 11.61 lakh minus 5000*10*12).

Which SIP gives highest return? ›