Investment Plans in PolicyBazaar


KF Ace
Hey all,
While planning for my taxation, i found about this so called " investment Plans" which allow us to save taxes under 80 C. Also the returns are really good.
So I was wondering how safe it is or has anyone been investing in this plan?


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I understand your interest in exploring tax-saving investment plans under Section 80C. However, it's important to exercise caution and gather more information before committing to any particular plan. Here's what I recommend:

1. Be Skeptical of "High Returns" Claims: While some Section 80C plans like Equity Linked Saving Schemes (ELSS) can offer potentially higher returns than fixed-income options, exceptional returns often come with higher risk. Be wary of any plan that promises guaranteed high returns under Section 80C, as it could be too good to be true.

2. Understand the Different Options: Section 80C covers a wide range of investment options with varying risk profiles, lock-in periods, and return potential. Explore various options like PPF, NPS, ELSS, ULIPs, etc., and understand their terms and conditions before making a decision.

3. Evaluate Your Risk Appetite: Your risk tolerance is crucial in choosing the right plan. If you're new to investing and prefer stability, consider safer options like PPF or NPS. If you're comfortable with the potential for higher returns and can handle volatility, ELSS might be a better fit.

4. Consult a Financial Advisor: Seeking professional guidance from a qualified financial advisor is highly recommended. They can assess your financial goals, risk tolerance, and existing investments to suggest suitable Section 80C plans that align with your needs.

5. Do Your Research: Never invest based solely on hearsay or testimonials. Thoroughly research the specific plan you're considering, including its track record, the issuer's reputation, and any associated fees or charges.

Remember, there's no single "best" Section 80C plan. Choosing the right one depends on your individual circumstances and financial objectives. By taking your time, doing your research, and seeking professional advice, you can make informed decisions and maximize your tax-saving benefits without compromising your financial security.

I hope this information helps! Feel free to ask further questions about specific investment options or any other aspect of tax-saving plans.