search
bell
2
icon

Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.

Know More
icon

Tired of complicated insurance? We’ve made it effortless - Introducing IndiaFirst Life app-like tool Calculate, plan, and protect—all from your device. Your future is just a tap away.

Install now!
Pay Premium
Track application

En

menu

More

Term Insurance Plans

Income Based Term Plans

Term Insurance Coverage Options

Term Insurance for EveryOne

Term Insurance For Coverage for all Ages

Term Insurance Calculator

Term Insurance Riders

drop-header-img

IndiaFirst Life Elite Term Plan

Learn More Get Quote

Term Insurance Plan

ULIP Plans

Savings Plans

Retirement & Pension Plans

Guaranteed Returns Plans

Life Insurance Rider

Group & Corporate Life Insurance Plans

Child Insurance Plans

drop-header-img

IndiaFirst Life Radiance Smart Invest Plan

Learn More Get Quote

Insurance Calculators

Investment Calculators

Financial Planning Calculators

Health Calculators

drop-header-img

IndiaFirst Life Elite Term Plan

Learn More Get Quote

Expert Resources

Knowledge Centre

drop-header-img

IndiaFirst Life Radiance Smart Invest Plan

Learn More Get Quote

Claims

drop-header-img

IndiaFirst Life Radiance Smart Invest Plan

Learn More Get Quote

Download Section

Reach Out to Us

drop-header-img

IndiaFirst Life Radiance Smart Invest Plan

Learn More Get Quote

En

search
bell
2
icon

Enjoy 0% GST on your policy premium. Get ₹1 Cr. Life Cover at just ₹22.5/day* + 10%^ Online Discount with IndiaFirst Life ELITE Term Plan (UIN 143N070V01). *^T&C Apply.

Know More
icon

Tired of complicated insurance? We’ve made it effortless - Introducing IndiaFirst Life app-like tool Calculate, plan, and protect—all from your device. Your future is just a tap away.

Install now!
menu
Menu
close
More arrow
back More
close
Ask an Expert arrow
drop-header-img

Get Quote Learn More
search
mic
close-search
image Protect Your Family image Build Wealth image Plan Your Retirement

No results for

Check that your search query has been entered correctly or try another search.

askchat-img Choose a Time Slot
cross

Let Us know a suitable time for you.

Ask an Expert to Buy Life Insurance

We're happy to know that you're prioritizing your family's future. Our life insurance expert will assist you in finding the best insurance plan. To schedule a call, please share some of the below details.

right-icon-placeholder
right-icon-placeholder
male male

Male

male male

Female

male male

Other

Thankyou for submitting your details

Our representative will reach out to you soon to guide you through our life insurance plans that fit your life goals

Benefits of a 5-Year Investment Plan

Investing in a 5-year investment plan offers several advantages that cater to different financial needs. Below are some key benefits.

 

  • Flexibility

    A 5-year investment plan offers multiple investment options, allowing investors to select instruments based on their financial goals and risk appetite.

    Investors can choose from one-time investment plans, systematic investment plans (SIPs), or periodic deposit schemes based on their convenience.

    These plans allow partial withdrawals in some cases, ensuring financial liquidity in emergencies.

  • Tax Benefits

    Many child investment plans and long-term investment schemes provide tax deductions under Section 80C of the Income Tax Act.

    Certain life insurance-linked investment plans also provide tax exemptions, ensuring better savings.

    Tax-saving fixed deposits, Public Provident Fund (PPF), and the best investment plans for a child options provide additional tax relief.

  • Guaranteed Returns

    Investors looking for assured earnings can opt for money back policies or fixed deposit schemes.

    Government-backed investment options such as National Savings Certificate (NSC) provide fixed interest rates, ensuring stability.

    Insurance-linked investments such as ULIPs combine returns with security, offering dual benefits.

  • Short-term Financial Goals

    A 5-year investment plan is ideal for achieving short-term financial goals such as funding education, making a down payment on a house, or saving for a wedding.

    It is particularly beneficial for parents looking for a best investment plan for child future, ensuring financial preparedness.

    Investors planning for medium-term objectives can balance between security and growth with these plans.

term-plan-work

Top 5-Year Investment Plans

 

Here are some of the top investment options for a 5-year investment plan in India.

 

banner-wave-image

Fixed Deposits (FDs)

  • Offered by banks and financial institutions, FDs provide a fixed interest rate for a specified tenure, ensuring capital protection and guaranteed returns.

  • Tax-saving FDs qualify for deductions under Section 80C of the Income Tax Act.

choose-plan

Recurring Deposits (RDs)

  • A suitable option for individuals who prefer disciplined savings with monthly deposits.

  • Provides fixed returns, making it ideal for risk-averse investors.

premium-amount

Debt Mutual Funds

  • Invests primarily in government securities and corporate bonds, ensuring moderate returns with lower risk.

  • Provides better liquidity compared to fixed deposits and other locked-in investments.

choose-plan

Systematic Investment Plans (SIPs) in Balanced Funds

  • Involves monthly investments in equity-debt hybrid funds, ensuring growth while maintaining stability.

  • Offers the potential for higher returns compared to FDs and debt mutual funds.

choose-plan

National Savings Certificate (NSC)

  • A government-backed scheme with a five-year tenure that offers guaranteed returns.

  • Qualifies for tax deductions, making it a great choice for investors seeking stability.

premium-amount

Life Insurance Plans

  • Some plans combine investment with life insurance, ensuring financial protection for the investor’s family.

  • Options such as ULIPs provide market-linked returns while offering insurance coverage.

choose-plan

Money Back Policy

  • A structured investment plan that provides periodic payouts, ensuring liquidity and financial security.

  • Suitable for investors seeking a combination of returns and periodic access to funds.

choose-plan


For individuals looking for the best investment plan for girl child in India, there are specific government-backed schemes, such as Sukanya Samriddhi Yojana, which offer attractive returns and tax benefits.



Why Should You Buy an Investment Plan for 5 Years?

A 5-year investment plan is an excellent financial instrument for individuals seeking structured growth in a short timeframe. Whether you are planning for a major expense, building savings, or looking for tax-efficient investment options, a 5-year plan offers multiple advantages. These plans provide a balanced approach between security and returns, making them ideal for individuals at different life stages.
 

Additionally, for parents looking for child investment plans, a 5-year investment strategy can help secure their child's future while allowing
flexibility in fund usage. It is also beneficial for those seeking medium-term financial stability while maintaining liquidity.
 

Below are key reasons why you should invest in a 5-year investment plan.
 

Stability

  • Many investors prefer stability over high-risk investments, and a 5-year investment plan provides a secure way to grow wealth without exposure to extreme market fluctuations.

  • Government-backed investment schemes such as NSC, Sukanya Samriddhi Yojana, and tax-saving fixed deposits offer predictable returns, making them excellent choices for risk-averse investors.

  • Life insurance-linked investment options also provide financial security while ensuring stable growth.

cover-life

Short-Term Goals

  • If you have medium-term financial goals, such as purchasing a vehicle, or saving for home renovations, a 5-year investment plan is the perfect solution.

  • Unlike long-term investment options, these plans allow you to access your funds sooner while still benefiting from structured savings.

  • They are also ideal for individuals who need to accumulate capital for upcoming expenses, such as a wedding or business expansion.

wealth-creation

Flexibility

  • A key advantage of a 5-years investment plan is the flexibility it offers in terms of investment methods and withdrawal options.

  • Investors can choose between one-time investment plans, where a lump sum amount is invested, or periodic payment-based investments such as SIPs.

  • Some plans allow premature withdrawals, ensuring you have access to funds in case of emergencies.

secure-future

Tax Benefits

  • Several top investment options for 5 years provide tax deductions under Section 80C of the Income Tax Act.

  • Plans like PPF, tax-saving FDs, and certain ULIPs offer significant tax advantages while ensuring steady returns.

  • A money back policy or other structured plans can help maximise tax savings while ensuring financial security.

cover-life

How to Choose the Best 5-Year Investment Plan?



Selecting the right 5-year investment plan requires careful consideration of your financial goals, risk tolerance, and expected returns. Since investment options vary in terms of structure, returns, and tax implications, it is essential to evaluate multiple factors before making a decision.
 

Below are key aspects to consider when choosing a 5-years investment plan.
 

alt

Financial Goals

  • Determine the primary purpose of the investment – whether it is for wealth creation, tax savings, or a child investment plan.

  • If you are saving for your child’s education, consider dedicated child future plan schemes that offer long-term benefits.

    alt

    Life Insurance Needs

    • Some plans combine investment benefits with life insurance, ensuring financial protection for dependents.

    If securing your family’s future is a priority, opt for investment-linked life insurance plan options that provide dual benefits.

    alt

    Reputation

    • Choose investment plans from reputed financial institutions, banks, and insurance companies to ensure security and reliability.

    • Research the credibility of mutual funds and ULIPs before investing.

    alt

    Features

    • Compare investment plans based on interest rates, liquidity, withdrawal options, and tax benefits.

    • Look for options that align with your short-term and long-term financial needs.

    alt

    Return on Investment (ROI)

    • Evaluate the past performance and expected growth of the investment plan.

    • Higher ROI options like equity mutual funds may carry higher risks, while guaranteed-return options like FDs and NSC offer stability.

    alt

    Tax Savings

    • If tax benefits are a priority, consider PPF, tax-saving FDs, and ULIPs.

    • Plans like the best investment plan for girl child in India, such as Sukanya Samriddhi Yojana, offer significant tax exemptions.
    alt

    Policy Costs

    • Some investment plans, such as ULIPs, have additional charges like fund management fees and policy administration fees.

    • Carefully review the cost structure before investing

    alt

    Documents Required For 5-Year Investment Plans

    To invest in a 5-years investment plan, you need to submit specific documents for verification. These include:

    Proof of Identity

    • Aadhaar card, PAN card, passport, voter ID
    secure-future

    Proof of Address

    • Utility bill, rent agreement, or government-issued ID
    low-premium

    Photographs

    • Passport-sized images for KYC verification
    protect-asset

    Income Proof

    • Salary slips, bank statements, or tax returns
    secure-future

    FAQs

    View All FAQ

    What are the primary goals of a 5-year investment plan?

    Answer

    The primary goals of a five-year investment plan include wealth accumulation to meet short-term financial needs, ensuring steady growth over a limited period. Additionally, such a plan can help investors save on taxes through benefits available under Section 80C of the Income Tax Act. Another important objective is to create a financial safety net by investing in life insurance-linked plans, which offer both protection and investment benefits.

    What are the risks involved in the investment plan for 5 years?

    Answer

    The risks involved in a five-year investment plan vary based on the chosen investment options. Market-linked investments are subject to market fluctuations, which can impact returns and lead to potential losses. On the other hand, fixed-income instruments provide guaranteed returns with minimal risk, making them a safer option. Additionally, some investments come with premature withdrawal penalties, which may reduce returns if funds are accessed before the maturity period.

    Are 5-year investment plans suitable for all age groups?

    Answer

    Yes, these plans cater to individuals of different ages. Young investors can opt for high-risk, high-return options, while older investors may prefer fixed-income instruments. Parents can also invest in child investment plans for securing their child's financial future.

    What amount of money should be invested for 5 years?

    Answer

    The amount depends on your financial capability and goals. Some plans allow investments as low as ₹500 per month, while others require a higher initial deposit. Asses the plan options carefully before you make an investment.

    What are the tax implications of a 5-year investment plan?

    Answer

    The tax implications of a five-year investment plan vary based on the chosen financial instruments. Investments such as Tax-saving Fixed Deposits (FDs), Public Provident Fund (PPF), and schemes designed for the financial security of a girl child qualify for deductions under Section 80C of the Income Tax Act, reducing taxable income. Additionally, Unit-Linked Insurance Plans (ULIPs) provide tax-free maturity benefits under Section 10(10D), making them a tax-efficient option. However, withdrawals from mutual funds are subject to capital gains tax, with the applicable rate depending on the holding period and type of fund.

    Which lumpsum investment is best for 5 years?

    Answer

    For investors looking for the best one-time investment plan, options like fixed deposits, NSC, and ULIPs provide excellent lump sum investment opportunities with stable returns.

    Which is the best investment plan for 5 years?

    Answer

    For a 5-year duration, choosing the best investment plan is essentially based on your goals and expectations. Some common choices are Fixed Deposits, NSC, ULIPs, and mutual funds.

    When is the right time to invest in a 5-year investment plan?

    Answer

    The ideal time to invest is as early as possible to maximise returns over the five-year tenure. However, investments should be aligned with your financial objectives and liquidity needs.

    Who is eligible to buy the best investment plan for 5 years?

    Answer

    Most Indian residents above 18 years of age with valid identity and address proof can invest. Specific schemes like investment plans for a girl child have eligibility criteria based on age and gender.

    Can I withdraw funds before the end of the 5-year term?

    Answer

    Withdrawing funds before the end of the five-year term depends on the type of investment chosen. Some investment plans permit premature withdrawals; however, they may come with penalties or reduced returns. Certain options, such as Unit-Linked Insurance Plans (ULIPs) and tax-saving Fixed Deposits (FDs), have a mandatory lock-in period, restricting early access to funds. Alternatively, money back policies offer periodic payouts, ensuring liquidity while maintaining investment continuity.

    1800 209 8700

    Customer Care Number

    whatsapp

    9240083333

    For online policy purchase

    call

    +91 22 6274 9898

    Chat with us on WhatsApp

    mail
    quiz-image

    Ready for a Challenge?

    Put your knowledge of India to the test

    Play Now
    close-popup

    You’re eligible for a Discount!!

    Get 10% off on online purchase of IndiaFirst Life Elite Term Plan

    Check out Now

    BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS

    IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

    Follow Us

    Facebook IconTwitter Icons Youtube IconsLinkedin IconsInstagram Icons

    Registered Office

    12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.

    IRDAI Information

    IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.

    For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.

    © IndiaFirst Life Insurance Company Limited. All rights reserved.

    Disclaimer

     

    Privacy Policy

     

    Terms & Condition