The Best Investment plan for 5 years in India

By Team Gullak

Feb 3, 2025

5 min read

Navigating the intricacies of personal finance is a daunting task, and nowhere is this more apparent than in the decision-making process of choosing the right investment plan. Particularly critical is the selection of a plan tailored for a 5-year horizon. This article aims to simplify this decision by dissecting various investment options available in India, providing insights into their merits and demerits, and ultimately helping you determine the Best Investment plans for 5 years.

Gullak Gold+ as one of the Best Investment plans for 5 years

Gullak Gold+ uses gold leasing, a cutting-edge development in the realm of gold investments, to offer investors the opportunity to earn an additional 5% interest annually, in addition to the historical returns on gold. This allows users to earn up to 16% returns p.a on Gold.

The 5% extra interest p.a is in the form of Gold, giving investors a benefit of Gold price appreciation on extra returns & also the benefit of compound interest.

Returns: ~16% p.a(extra 5% every year + 11% pa gold price appreciation)

Minimum investment: 0.5 grams of gold.

Interest disbursal: Calculated daily and credited at the end of each month.

Lock-in period: No lock-in period, no penalty fee.

Safety: Gold leased only to India’s biggest jewellers, Gullak takes 100% collateral on investments

Whether you choose to set up a SIP or make a one-time investment, Gullak caters to your preferences. Additionally, Gullak takes 100% collateral for all investments, ensuring the security of consumer investments. This makes Gullak Gold+ one of the best Investment plans for 5 years

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Fixed Maturity Plans (FMPs) as one of the Best Investment plans for 5 years

For investors prioritising stability, Fixed Maturity Plans (FMPs) stand out as close-ended debt funds that provide not only tax efficiency but also consistent returns. While acknowledging inherent risks associated with interest rates and liquidity, FMPs establish themselves as a compelling choice for risk-averse investors who value reliability over a 5-year period. Safe returns over any period of time, makes it one of the Best Investment plans for 5 years

Returns: Average 5.24%pa over the past 5 years

Lock-in: Can vary from a few months to a few years

National Pension Scheme (NPS) as one of the Best Investment plans for 5 years

Tailored for long-term retirement-focused investments, the National Pension Scheme (NPS) seamlessly integrates flexibility, tax advantages, and equity exposure. While acknowledging its susceptibility to market volatility and associated risks, the NPS stands out for its potential for higher returns, positioning itself as a leading contender for the Best Investment plans for 5 years

Returns: Average returns of 8.74% over the past 5 years

Lock-in: Till you turn 60

Public Provident Fund (PPF) as one of the Best Investment plans for 5 years

Aligned seamlessly with long-term financial aspirations, the PPF not only ensures stability but also delivers compounding benefits, establishing itself as a conservative yet highly reliable option. Hence, this becomes a contender for the Best Investment plans for 5 years

Returns: 7.1%

Lock-in: 15 years

Real Estate Investments as one of the Best Investment plans for 5 years

Enduring and appreciable, real estate stands as a perennial favourite among investors. Boasting the potential for both capital appreciation and steady rental income, real estate investments present a landscape rich with opportunities and challenges that savvy investors must adeptly navigate. The stellar returns make real estate one of the Best Investment plans for 5 years. That being said, real estate in India is near saturation & takes extensive research to identify the right property.

Returns: ~25%pa over last 5 years

Lock-in: None

Bank Fixed Deposits as one of the Best Investment plans for 5 years

In the realm of investments, the traditional yet dependable bank fixed deposits stand out as low-risk and among the best investment plans for 5 years. For conservative investors seeking stability, bank fixed deposits continue to be a trusted and enduring choice in the ever-evolving landscape of investment options.

Average returns: 8%

Lock-in: 7 days to 10 years

Table: Comparing the Best Investment plans for 5 years

Best Investment plans for 5 years	Description	Returns (5 Years)
Gold Investments - Gullak Gold+	Offers investors the opportunity to earn an additional 5% interest annually, in addition to gold price appreciation	~16%
Fixed Maturity Plans (FMPs)	Tax-efficient debt funds with 5.24% average returns. 5-year stability. Risks include interest rate sensitivity and liquidity.	5.24%
National Pension Scheme (NPS)	Retirement-focused with 8.74% average returns. Flexible, tax advantages. Market-sensitive. Liquidity constraints pre-retirement.	8.74%
Public Provident Fund (PPF)Government-backed	tax-free with 7.1% returns. Stable yet impacted by inflation. Lock-in period and withdrawal restrictions.	7.1%
Bank Fixed Deposits	Trusted with guaranteed 7% returns. Low-risk, flexible tenure. Inflation impact and interest rate sensitivity.	8%

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Concluding on the best Investment plans for 5 years

In the quest for the best investment plan for 5 years, historical data suggests that gold investments offer the most stable returns, effectively beating inflation. Financial experts have been saying that the next 5 years are bright for gold.

Gullak Gold+ stands as a beacon in the world of digital gold investments, offering a seamless and innovative app for investors. Boasting a competitive 16% p.a. Gullak Gold+ not only beats all gold assets but also the majority of mutual funds as well. Pioneering the digitisation of gold investments, Gullak Gold+ one of the promising best Investment plans for 5 years.

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