In today’s time, there are a lot of options to invest your money. In 2025, finding the best investment plan for beginners is more important than ever. With rising inflation and uncertainty over jobs, it is important to diversify your portfolio.
Your investment plan must include rotating yourself with term insurance, securing health with health insurance, repairing uncertainties with emergency funds, NPS for your retirement plan, and mutual funds for your future goals.
📌 Term Plan :
If you are the earning member of your family, the first thing you have to do is buy a term plan. If you are under 30 years of age, you can get an Rs.1000 term plan easily. Plan to buy term insurance in the early stage of your life for low premiums. Avoid mixing term insurance with investments. You can always get better returns if you invest separately.
Term insurance is the foundation of the best investment plan, especially for beginners who want to secure their family’s future without high costs.
🏥 Health Insurance
Having health insurance for your whole family is a must. It always helps in sudden medical crisis. In a period where medical inflation is at its peak, we must protect our family from any unnecessary financial casualty. Always go for 10-15 lakh cover for family of 3-4. Having insurance is very beneficial and part of the best investment plan. You can always get best treatment for your family. Always go for Reputed Health Insurance Company for smooth claim settlement.
💼 Emergency Fund
Having an emergency fund six to seven times your monthly expenses is a must. This helps during financial losses or sudden job loss. Always put your emergency fund in a safe liquid fund or savings account with an auto-sweep facility. Many people end up selling their valuable assets just because they didn’t have an emergency fund. So always keep your emergency fund aside — it’s a key part of the best investment plan.
🛡️ NPS (National Pension System)
If you don’t want to be dependent on anybody after your retirement, you must invest for your retirement. NPS can be a really good instrument for this. One of the good things about NPS is that you can’t withdraw money till your retirement, which helps you stay disciplined.
Including NPS in your portfolio makes your best investment plan more secure and future-ready.
📈 Mutual Funds
If you have certain goals in life — for example, buying a home, a car, or planning a holiday vacation — you can invest in mutual funds to achieve them. Two good options are:
- NIFTY-50 Index Fund or SENSEX Fund – These are safety-oriented and can create decent returns.
- Flexicap Fund – Ideal for building a long-term corpus. Parag Parikh Flexicap Fund is one of the best in this segment and has the potential to generate good returns.
Including mutual funds in your portfolio makes your best investment plan more goal-focused and growth-oriented,and choosing best SIP to invest can further enhance consistent wealth creation over time.
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📌 Summary:
Always diversify your portfolio for a balanced approach and peace of mind. Stay disciplined and consistent with your best investment plan
❓ FAQs –
1. Why is a term plan important in an investment plan?
A term plan provides financial security to your family in case of unforeseen events. It ensures your loved ones are protected even if you are not around, making it the foundation of a solid financial plan.
2. Do I really need health insurance if I already have emergency funds?
Yes. Health insurance covers medical expenses that can otherwise deplete your emergency funds. Emergency funds should be used only for unexpected situations like job loss, not medical bills.
3. How much emergency fund should I maintain?
Ideally, you should keep an emergency fund equal to 6–12 months of your living expenses. This acts as a financial cushion during uncertain times.
4. Is NPS a good retirement investment?
Yes, NPS (National Pension System) is a good long-term investment for retirement as it provides tax benefits, low-cost fund management, and a regular income after retirement.