What is a one-time investment plan?

A one-time investment plan is a type of investment where a lump sum amount is invested in one go in a particular scheme for a specific duration. As an investor, if one has a substantial amount of money with higher risk tolerance, they can invest in a one-time investment plan.

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Advantages of One-Time Investment

• Capital appreciation: Profits from capital market investments depend on market performance. The stock prices can go up or down in the short term. With recurrent premiums, the sum you put in later does not get the time to adjust to the market conditions. But in long run, gains often cancel out the losses. Hence, a one-time investment allows your wealth to grow.
• Low charges: With multistage investments, you have to pay the associated transaction charges every time you invest. But with a one-time payment, you need to pay the fees only once. Hence, a one-time investment involves a lower cost.
• Better returns in the long run: Long-term investments gain from compounding. The dividends earn further interests year after year.
  With multiple premiums, the sums paid later remain invested for shorter durations. But in a one-time investment, the full amount remains invested for the entire term. Hence, there are better returns in the long run.
• Convenience: You need not worry about arranging for future premiums or forgetting due dates. You pay the entire premium when the policy starts. Thus, there is no chance of the policy lapsing due to missed payments.

Factors affecting the decision of one-time investment

• Existing market conditions: Assessing the market conditions can help you identify the right moment for a one-time investment. For this, you can track the Price to Earnings (P/E) ratio of a broad market index like NIFTY for the past four quarters. A P/E closer to 14 indicates better chances of earning profits.
• Return potentials: Look into the past performances of the funds you plan to invest in and study the projected returns. It will help you determine whether the estimated returns match your expectations.
• Liquidity: You should evaluate your financial circumstances and the scope for easy availability of funds while considering a one-time investment.
• Patience: In the long term, patience pays off in investing. You are more likely to see better returns if you remain calm and stay invested.
• Investment duration: Market volatilities even out over time. Thus, a longer investment horizon allows you to play with equities having higher return-potential. However, if your financial goals have a shorter time-span, you can consider investing in debt and balanced fund types.

Why should you Choose ICICI Pru1 Wealth?

ICICI Pru1 Wealth is a one-time investment plan that offers multiple benefits:

• 100% of your premium gets invested^$
• Premiums start from only ₹ 50,000/-
• Choice of seven funds^~ across equity, balanced, and debt asset classes helps you choose as per your risk-taking capacity
• Financial rewards at the end of your policy term add to your wealth^{^}
• Life cover^# up to ten times your premium amount secures your family

For example:

If you buy a life cover worth ₹ 10 lakhs for a 10-year policy term with a one-time premium of ₹ 1,00,000/-^*:

With a 4% assumed invested return, at maturity, you can get ₹ 1,20,285/-.

And if the rate of return is 8%, you can get ₹ 1,76,531/- after ten years.

Moreover, in case of an unfortunate event within those ten years, your family will receive ₹ 10,00,000/-^`.

ICICI Pru Guaranteed Wealth Protector – another lucrative one-time investment plan

ICICI Pru Guaranteed Wealth Protector ensures you enjoy potentially better returns while keeping your invested money safe. Following are the key benefits of this plan -

• Minimum Life Cover equal to 105% of the total premiums received up to the date of death
• Protect your savings from market downturns through an Assured Benefit^**
• Pay premium just once for a limited period of 5 or 7 years
• Get rewarded with Loyalty Additions^## and Wealth Boosters^##

Thus, if you wish to grow your wealth, go for a one-time investment plan.

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