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Investment Plans

Invest for growth, along with protection

investment insurance

Investment + insurance + tax savings in 1 plan

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Popular online investment plans

    Types of investment plans

    Investment insurance plans cater to various risk levels, offering low-risk savings protection, medium-risk balanced growth, and high-risk potential for higher market-linked gains.

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    Low-risk investment plans

    Low-risk investment plans include capital guarantee plans for principal protection and modest returns, savings plans with insurance benefits, fixed deposits for guaranteed returns.

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    Medium risk investment

    Medium-risk options like MIPs, hybrid-debt funds, arbitrage funds, and ETFs offer balanced growth and steady returns, blending equity and debt to minimize volatility—ideal for consistent income and moderate risk.

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    High-risk investment

    High-risk investments like ULIPs, mutual funds, stocks, IPOs, and cryptocurrencies offer potential high returns but come with significant volatility. Investors should assess their risk tolerance before investing.

    Why do you need investment plans?

      Why Jio Insurance?

      At Jio Insurance, we strive to provide the best investment plans...
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        Customer-centric approach

        Transparent policies and personalised service for a seamless experience.

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        Trusted brand

        Backed by a reliable name, ensuring security and innovative solutions for your financial future.

      • Plan icon

        Diverse plan options

        A variety of plans to suit different risk appetites and financial objectives.

      • Tax benefit icon

        Tax benefits

        Enjoy potential tax savings on your investment plans, helping you grow your wealth efficiently.

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      Education

      How Much Does Term Life Insurance Cost for a 30-Year-Old?
      Investment

      How to Make Your Investment Plan Inflation-Proof?

      Inflation represents the sustained increase in the price level of goods and services. A moderate price hike or inflation is a good sign representing a healthy economy, while consistently high inflation is a matter of concern for investors. As per the Reserve Bank of India (RBI), the average retail inflation was around 5.6% in the financial year 2023-24, which was brought down to 4.6% in the FY 2024-25 with some key monetary measures. However, the inflation rate has been hovering around 4.5% to 7% in the last few years. But, how does it impact your wealth? Inflation is often interpreted as a silent killer of wealth that reduces purchasing power over time. Take the case of 40-year-old Ashok, a software engineer who had been saving diligently for his retirement and his children’s education. He believed he was financially secure with a significant corpus accumulated for the future until he realised the price hike of everyday goods ( example: fuel, groceries, etc.) is rising faster than his portfolio return. His portfolio, which is growing at an average rate of 6% is effectively shrinking against the inflation rate of 5% to 7%. Hence, inflation-proof investment strategies are needed to grow and preserve your wealth.

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      Investment

      Could Micro-SIP Be India’s Answer to Savings Gaps?

      Financial markets always seemed like a far-off world for many, especially for those for whom a major part of their salary goes into monthly expenses like rent, bills and groceries. Many people in India stayed away from investing in equities and mutual funds that are designed for long-term goals, as they felt it is out of their reach and only meant for urban elites. Take the case of a young professional Joseph who has just started his career in Mumbai. His salary barely covers the rent, bills and groceries, leaving him with only a few hundred to save. Saving meaningfully always felt like a difficult task until he came across the option of micro-SIPs. Let us assume he came across an app while scrolling through, where he got to know about micro SIPs that allow him to invest as low as INR. 100 monthly into mutual funds. Isn’t that an amazing option for many young professionals and gig workers? Let us understand more about micro-SIPs, how they are gaining popularity, and what role they play in financial inclusion and wealth building.

      Systematic Investment Plan (SIP) vs. Mutual Funds: Key Differences Explained
      Investment

      Why Retirement Planning Should Start in Your 20s

      You’re in your 20s: maybe just landed your first job, juggling rent, social life, and occasional weekend getaways. Retirement might feel like a distant concept something your grandparents talk about, not something you plan for now. But here’s a truth many overlook: the earlier you begin planning for retirement, the smoother (and more abundant) your golden years can be. Let’s explore why starting retirement planning in your 20s is not only wise, but transformative and how Jio Insurance Broking can be your dependable partner on that journey.

      How to Choose the Right Term Insurance Plan
      Investment

      Could AI Investment Advisors Replace Human Financial Planners?

      Rohan Talwar is a 33-year-old corporate employee from Mumbai. Recently, he started his subscription to an AI-powered investment app, and he was very excited. AI processed millions of data points in the blink of an eye, and the charges were a fraction of traditional costs. He quickly had a personalised investment portfolio. Everything was going fine until the market turned. When Rohan opened the app, the dashboard seemed flooded with charts, graphs, and data. In his moment of anxiety, he couldn't find any certainty or assurance. That's when Rohan called his old finance advisor, Meera Rao. The first thing she told Rohan was, “Relax, Rohan. There’s no need to panic. It’ll be alright!” and probably that’s what Rohan was looking for. She didn't just give him reassurance and the needed financial advice, but also asked about his family and mental health. She advised him on small changes he could make in his portfolio to ease his worries. It reminded him of how important emotional intelligence and human support are. He realised something fundamental: artificial intelligence can calculate, but it cannot console. While it may predict probabilities, it can not perceive emotions. Rhon’s story is a key realisation of the core difference between artificial intelligence and human essence.

      Best Small Investment Plans in India for Smart Savings
      Investment

      Why Young Indians Prefer SIPs Over Traditional Plans

      If you’re a young professional in India, say, aged 20–35 years, trying to make sense of the investment-buzz, you’ve probably heard terms like “investment plans”, “mutual funds”, “SIP” and the like. But the real underlying shift is: young Indians are favouring Systematic Investment Plans (SIPs) over traditional insurance-cum-savings or endowment plans. In this article, we’ll explore why that’s happening, how SIPs work, and how Jio Insurance Broking is making it easier for you to tap into smart investment plans.

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      Investment

      How Mobile-First Investors Are Reshaping Products?

      Mobiles have transformed the way products are imagined, built, and scaled. Today, smartphones are becoming the primary gateway not just for everyday decision-making, but even for financial decisions. The use of mobile devices is skyrocketing, and every user expects an experience that their device can offer them effortlessly. Mobile-first as an investment approach means a version that allows investors to seamlessly invest through their mobile phones. A smartphone, an internet connection, and a mobile application, that's all you need to get investment-ready. Wondering how mobile-first investors are reshaping the investment sector? Let's understand.

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      Leena Vaddella

      Artificial Intelligence Engineer

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          Frequently asked questions (FAQs)

          Investment plans are financial products designed to help individuals grow their wealth over time. They can include a range of options such as ULIP, mutual funds, fixed deposits, stocks, bonds, and insurance policies.

          • Mutual funds: Professionally managed investment funds that pool money from many investors to purchase securities.
          • Fixed Deposits (FDs): Investment plans where money is deposited with a bank or financial institution for a fixed tenure at a predetermined interest rate.
          • Stocks: Shares of individual companies traded on stock exchanges.
          • Bonds: Debt securities issued by corporations or the government to raise capital.
          • Public Provident Fund (PPF): A long-term savings scheme with tax benefits, backed by the government.
          • National Pension System (NPS): A retirement savings scheme offering tax benefits.
          • Real estate: Investing in property for rental income or capital appreciation.
          • Unit-Linked Insurance Plans (ULIPs): A combination of insurance and investment with tax-saving benefits.
          • Endowment plans: A mix of insurance and savings, providing a lump sum after a specific term or in case of death.
          • Money-back plans: Insurance policies that provide periodic payouts along with insurance coverage.

          • Mutual funds: Pooled investments managed by professionals, offering diversification across various assets.
          • Stocks: Individual shares of a company's ownership, which can be more volatile but offer the potential for higher returns.

          • Determine your investment goals and risk tolerance.
          • Choose the type of investment that aligns with your goals.
          • Open an account with the relevant financial institution or brokerage.
          • Research and select specific investment options.
          • Make your initial investment and monitor your portfolio regularly.

          • Public Provident Fund (PPF): Contributions are eligible for tax deduction under Section 80C, and the interest earned is tax-free.
          • Equity-Linked Savings Scheme (ELSS): Investments are eligible for tax deductions under Section 80C, and long-term capital gains are tax-free up to a certain limit.
          • National Pension System (NPS): Contributions are eligible for tax deductions under Section 80C and an additional deduction for investment up to ₹50,000.
          • Unit Linked Insurance Plans (ULIPs): Premiums paid are eligible for tax deduction under Section 80C, and maturity proceeds are tax-exempt under Section 10(10D) if the annual premium does not exceed 10% of the sum assured.
          • Life insurance policies: Premiums paid for life insurance policies qualify for tax deductions under Section 80C, and the maturity proceeds or death benefit are tax-exempt under Section 10(10D), subject to conditions.

          Jio Insurance Broking Ltd

          Jio Insurance Broking Limited
          IRDAI License No: 347,
          Direct Broker (Life & General),
          Valid upto: 11/03/2028
          (Renewable)

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          (9.30 AM - 6.30 PM, Monday to Friday)

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          U67200MH2006PLC165651

          Registered office address

          1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051

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