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Best Investment Plans for 3 Years

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In a rapidly evolving financial landscape, the importance of smart investing cannot be overemphasised. A 3 year investment plan presents the perfect blend of short-term commitment with considerable growth potential.

Whether you're saving for an upcoming expense or just seeking to grow your wealth over a shorter horizon, the best investment plans for 3 years can cater to your needs.

This article provides a list of short-term investment plans for 3 years along with their unique features and benefits.

Best Investment Plans for 3 Years

Listed below are the best short-term investment plans for 3 years -

Fixed Deposits

Fixed Deposits (FD) are among the most popular traditional 3 years investment plans. They provide a fixed interest on your deposited amount for a predetermined period.

Features & Benefits

  • Guaranteed Returns: FDs ensure predictable returns as the interest rate is fixed.
  • Safety: FDs are considered low risk, especially when opened with reputed banks.
  • Loan Against Deposit: You can obtain a loan against your FD in emergencies.
  • Flexible Tenure: Depending on your requirements, you can have an FD for a tenure of anywhere from a few months to several years.

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Savings Accounts

Savings Accounts, part of the most basic 3 year investment plans, allow you to deposit money and earn interest on it.

Features & Benefits

  • Easy Access: With a savings account, you can withdraw or deposit funds at any time.
  • Minimal Risk: Your money is safe with a bank or financial institution.
  • Earn Interest: Although the rates of savings accounts might be lower than other options, they are consistent.
  • No Lock-in: There is no fixed duration for which you have to hold your money.
  • Additional Features: Some accounts come with perks like cash back, online banking, and more.

Short Term and Ultra-Short Term Funds

Investing in securities with short maturities, these plans are suitable as short-term investment plans for 3 years for those willing to take minimal risks.

Features & Benefits

  • Liquidity: These plans are easy to convert into cash.
  • Diverse Portfolio: You can invest in a mix of securities through such plans.
  • Professional Management: These short-term plans are managed by skilled fund managers.
  • Higher Returns: You can earn potentially higher returns than a regular savings account with them.
  • Flexible Investment: Choose from daily, weekly, or monthly investment options.

Liquid Funds

Liquid funds are a type of mutual fund that invests in short-term market instruments like treasury bills. It's an excellent 3 year investment plan for those seeking quick returns.

Features & Benefits

  • Quick Withdrawal: Liquid funds allow you to access funds usually within 24 hours.
  • Low Risk: These funds primarily invest in high-rated instruments.
  • Stable Returns: Though not very high, they are consistent.
  • No Entry or Exit Load: No charges for entering or leaving the fund are applicable.
  • Flexibility: With liquid funds, you can invest any amount at any time.

Fixed Maturity Plans

These are closed-ended debt funds with a fixed maturity date, making them suitable for a best 3 year investment plan.

Features & Benefits

  • Predictable Returns: Fixed maturity plans come with predetermined interest rates.
  • Low Risk: The plans invest in fixed-income instruments.
  • Closed-ended: These plans allow you to remain free from the stress of continuous inflow/outflow of money.
  • Diverse Portfolio: Fixed maturity plans might include corporate bonds, government securities, and so on.

Gold Investment

Investing in gold, be it physical or through securities, has been a time-tested best 3 year investment plan.

Features & Benefits

  • Hedge Against Inflation: Gold prices typically rise with inflation, which provides you a hedge against the impact of inflation.
  • Tangible Asset: Unlike most investment avenues, you can hold gold physically.
  • Liquidity: Gold provides high liquidity as it is easily convertible to cash.
  • Diverse Options: You can invest in bars, coins, gold ETFs, or gold mutual funds.
  • Global Appeal: Gold is accepted and recognised worldwide.

Investment Plan

Over to You

Multiple 3 years investment plans are available to suit different financial goals and risk appetites. Whether you are prioritising safety like Fixed Deposits or hunting for slightly higher returns with Liquid Funds, a 3 year investment plan can be an optimal strategy for many.

The most noteworthy benefit of short-term investment plans for 3 years is their ability to combine relative security with growth, serving as a stepping stone for bigger financial adventures or as a safeguard for impending expenditures.

As you chart your financial journey, make sure to align your investment choices with your personal and financial objectives. This way, you can not only secure your finances but also make them work effectively for you.

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