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What is a Safe Method to Invest for Market Linked Returns?

A comprehensive life insurance plan may not always be sufficient to provide your family with an all-encompassing and comprehensive solution. To safeguard the financial future and well-being of our loved ones, we take great care and tremendously work for it. As a result, we need a special, all-encompassing strategy that addresses our requirements for prosperity and security.

Moreover, when it comes to financial planning, it is essential for an individual to consider options that promise financial security as well as long-term returns. But, before that, it is equally important to analyse certain elements that are financial goals, investment horizon, liquidity needs and risk appetite. This will aid the person in choosing the right investment plan that assures a good market-linked return. Thus, along with comprehensive life insurance plans, we have listed some safe methods wherein one can invest their funds for market-linked returns.

Safe Methods to Invest for Market Linked Returns

ULIP or Unit-Linked Insurance Plan is an additional market-available investment choice that is safe and offers significant returns. The Unit Linked Insurance Plan or ULIP Policy is an insurance and investment program that not only gives your family financial protection but also gives you the chance to gradually increase your wealth.

To offer high returns on investment, the ULIP investment plan invests a portion of the premium money in market-linked instruments like debt and equity funds. The other portion of the premium, on the other hand, is utilised by the insurer to offer life insurance to the life assured’s family and guarantee financial security in case of any unforeseen circumstances. As a result, the return is assured in the form of a maturity sum.

Furthermore, tax exemption under Section 80C of the Income Tax Act is another benefit of the ULIP investment plan. There are several insurance service providers, such as Tata AIA life insurance and many others, that provide one of the best ULIP plans to invest in now.

For example, Param Rakshak Policy, etc. The ULIP Plans come with a lock-in period of 5 years which gives limited liquidity to the policyholder.  Moreover, ULIPs are the best investment plans for securing long-term financial objectives such as children’s education, marriage, retirement, etc. It provides both protection and savings to the policyholder, which ultimately makes ULIP investment the safest investment.

In ELSS or Equity Linked Saving Scheme, the majority of the fund amount is invested in the equity schemes or stock market. ELSS is also referred to as tax-saving mutual funds. Moreover, under Section 80C of the Income Tax Act, 1961, investments made upto ₹1.5 Lakhs are also entitled to tax exemption.

They can also avail of tax benefits under this section. One of the major benefits of ELSS is higher returns which attract more salaried professionals as well as first-time investors to invest in ELSS. The funds can be invested in this policy for a longer period of time, for which the policyholder is entitled to get a higher and better return.

The minimum lock-in period of ELSS funds is 3 years. But, before investing your money, it is advised to research properly. Also, one can seek assistance from financial experts as well before investing in ELSS.


Be it the best ULIP Investment Plan or a Bank Fixed Deposit, or any other option, everyone wants to ensure their financial future in these unpredictable times. But in order to achieve that, it’s crucial to understand your financial objectives, risk tolerance, the time horizon for investments, and liquidity requirements. Additionally, you might build a substantial financial cushion over the long run by thinking about these secure investments with high return possibilities to invest in India.

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