{"id":2233,"date":"2025-02-05T09:18:05","date_gmt":"2025-02-05T09:18:05","guid":{"rendered":"https:\/\/knowledgewap.org\/blog\/?p=2233"},"modified":"2025-02-26T06:26:49","modified_gmt":"2025-02-26T06:26:49","slug":"short-term-investment-plan-smart-strategies-for-quick-gains","status":"publish","type":"post","link":"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/","title":{"rendered":"Short Term Investment Plan: Smart Strategies for Quick Gains"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Short-term investments are financial instruments that are held for a short period of time, basically less than one year &amp; are convertible into cash. These investments are best suited for those individuals who want to receive returns along with capital preservation &amp; liquidity maintenance. They attract low-risk &amp; lower returns than long-term investments. Examples of short-term investments are bank fixed deposits, saving accounts, recurring deposits, etc.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Things_to_be_considered_while_investing_in_a_Short-Term_Investment_Plan\" >Things to be considered while investing in a Short-Term Investment Plan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Best_Short-Term_Investment_Options_for_1_Month\" >Best Short-Term Investment Options for 1 Month<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Liquid_Funds\" >Liquid Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Savings_Account\" >Savings Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Equity_Mutual_Funds\" >Equity Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#B_Best_Short-Term_Investment_Options_for_3_Months\" >B. Best Short-Term Investment Options for 3 Months<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Bank_Fixed_Deposit\" >Bank Fixed Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Recurring_Deposits\" >Recurring Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Money_Market_Account\" >Money Market Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Treasuries\" >Treasuries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Debt_Mutual_Funds\" >Debt Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Derivatives\" >Derivatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#C_Best_Short-Term_Investment_Options_for_6_Months\" >C. Best Short-Term Investment Options for 6 Months\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Post_Office_Time_Deposits\" >Post Office Time Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Gold_or_Silver\" >Gold or Silver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Arbitrage_Funds\" >Arbitrage Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Fixed_Maturity_Plans\" >Fixed Maturity Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Debt_Instruments\" >Debt Instruments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Company_Deposits\" >Company Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Short_Term_Funds\" >Short Term Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Things_to_be_considered_while_investing_in_a_Short-Term_Investment_Plan\"><\/span><b>Things to be considered while investing in a Short-Term Investment Plan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Provided are the things that are to be considered while investing in a <\/span><a href=\"https:\/\/www.hdfclife.com\/investment-plans\/short-term-investment-options\" target=\"_blank\" rel=\"noopener\"><b>Short-Term Investment<\/b><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Investment Objective<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">An individual, when considering short-term investments, should define the investment objectives &amp; the time period within which you will be requiring funds back.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Risk Tolerance<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As we know, short-term investments attract lesser risk, but one should choose the plan that best suits one&#8217;s risk appetite &amp; comfort level.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Liquidity Needs<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One should invest in a plan that will provide liquidity, i.e. you can withdraw the funds without thinking about the delays or penalties.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Interest Rates<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Also, before investing, one should make a proper comparison of the different options available to get the maximum returns.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Tax Implications<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Take into account the tax implications of short-term investments, i.e. short-term capital gains may attract higher taxesthan long-term capital gains.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Inflation<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One should also consider the inflation factor while calculating return on investments, mainly when you are opting for low-risk options.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Fees &amp; Charges<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Have a proper understanding of the fees &amp; charges associated with the investment plan chosen.<\/span><\/p>\n<p><b>Features of Best Short-Term Investment Options<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Let us discuss the features ofdifferent <\/span><a href=\"https:\/\/www.hdfclife.com\/savings-plans\/saving-schemes\" target=\"_blank\" rel=\"noopener\"><b>Saving Schemes<\/b><\/a> <span style=\"font-weight: 400;\">available for a short period of time, i.e., 1 month, 3 months, or 6 months.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Short-Term_Investment_Options_for_1_Month\"><\/span><b>Best Short-Term Investment Options for 1 Month<\/b><b><\/b><b><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Liquid_Funds\"><\/span><b>Liquid Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One can withdraw funds as fast as 1 business day.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They attract lower risk levels&amp; higher returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are flexible plans that allow you to invest in SIP or lumpsum.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Savings_Account\"><\/span><b>Savings Account<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These investments are highly liquid &amp; easily accessible, where you can deposit &amp; withdraw your funds easily.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As your amount is secure up to a certain level, there is a lesser risk of losing the principal amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One can easily access the funds in case of any future expensesor unexpected requirements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They offer lower interest rates.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Equity_Mutual_Funds\"><\/span><b>Equity Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Get higher returns over a longer tenure, especially when the market is performing well.<\/span><\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">One can diversify the investment portfolio to reduce the risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get professional advice from experienced fund managers when choosing a plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">LTCGs are taxable at lower rates thanSTCGs.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/span><br \/>\n<h3><span class=\"ez-toc-section\" id=\"B_Best_Short-Term_Investment_Options_for_3_Months\"><\/span><b>B. Best Short-Term Investment Options for 3 Months<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Bank_Fixed_Deposit\"><\/span><b>Bank Fixed Deposit<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">The lump sum amount is to be deposited for a fixed tenure, with fixed interest rates &amp; guaranteed returns.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The tenure ranges between 7 days to 10 years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Highly liquid &amp; safe.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The present rate of interest ranges between 2% &amp; 9%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax is charged up to 30%.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Recurring_Deposits\"><\/span><b>Recurring Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It can range between 6 months to 10 years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They come with a minimum lock-in period of 1 month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only the principal amount would be paid back in case of premature withdrawal of funds within 1 month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rate ranges between 3.25% &amp; 7.50% per annum for 1 year of RD.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest received on RD is added to the income for taxation purposes.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Money_Market_Account\"><\/span><b>Money Market Account<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">There is no lock-in period.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">These are highly liquid investments with low risk.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Returns are not fixed, &amp; the present rate is 3.35% p.a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Profits in case of <a href=\"https:\/\/en.wikipedia.org\/wiki\/Investment\" target=\"_blank\" rel=\"noopener\">investments<\/a> help for above 3 years are taxed at 20%.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Treasuries\"><\/span><b>Treasuries<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Highly liquid &amp; safe.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The maturity period ranges between 91 days to 365 days.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Debt_Mutual_Funds\"><\/span><b>Debt Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">One can diversify the investment portfolio to reduce the risk.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get professional advice to choose the plans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Examples are corporate bonds, government bonds, &amp; money market instruments.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Derivatives\"><\/span><b>Derivatives<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">They are suitable for individuals with good knowledge &amp;high-risk tolerance.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"C_Best_Short-Term_Investment_Options_for_6_Months\"><\/span><b>C. Best Short-Term Investment Options for 6 Months<\/b><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Post_Office_Time_Deposits\"><\/span><b>Post Office Time Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It can range from 1 year, 2 years, 3 years, &amp; 5 years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This plan does not allow withdrawal of funds before 6 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest amount is on an annual basis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest received on deposits is added to the income for taxation purposes.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Gold_or_Silver\"><\/span><b>Gold or Silver<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">These are meant for both short &amp; long terms, providing higher returns.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">These are secure &amp; risk-free plans.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Arbitrage_Funds\"><\/span><b>Arbitrage Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One can earn profits with the help of price discrepancies amongst the same security being traded in different markets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These plans offer consistent returns&amp; are best suited for those who want a regular source of income.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Fixed_Maturity_Plans\"><\/span><b>Fixed Maturity Plans<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under this plan, one can pay debts with a certain maturity date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These plans offer a fixed rate of return.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These plans come with fixed returns &amp; fixed tenure, &amp; you cannot buy or sell them once the initial offer period is over.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Debt_Instruments\"><\/span><b>Debt Instruments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These plans are best suited for those individuals who are reluctant to take risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These instruments provide stability along with good returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These funds are highly liquid, have a maturity period of up to 91 days, &amp;have 7-9% interest rates.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Company_Deposits\"><\/span><b>Company Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose non-convertible debentures to secure the capital with an attractive rate of interest ranging between 9% to 12%.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Short_Term_Funds\"><\/span><b>Short Term Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These funds attract lower risks &amp; consistent returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These are liquid funds that can be bought &amp; sold on a single day.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The returns are limited in comparison to long-term debt funds.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term investment plans are best suited when you are looking for flexible investments with low risk but good returns. One can consider investing in gold, which is highly liquid &amp; can be converted into cash. Also, always diversify your funds across different plans rather than investing in one single asset. This will help in reducing the risk of capital deterioration.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Short-term investments are financial instruments that are held for a short period of time, basically less than one year &amp; are convertible into cash. These investments are best suited for those individuals who want to receive returns along with capital preservation &amp; liquidity maintenance. They attract low-risk &amp; lower returns than long-term investments. Examples of &#8230; <a title=\"Short Term Investment Plan: Smart Strategies for Quick Gains\" class=\"read-more\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/\" aria-label=\"Read more about Short Term Investment Plan: Smart Strategies for Quick Gains\">Read more<\/a><\/p>\n","protected":false},"author":7,"featured_media":2234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Short Term Investment Plan: Smart Strategies for Quick Gains - Knowledgewap<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/knowledgewap.org\/blog\/short-term-investment-plan-smart-strategies-for-quick-gains\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Short Term Investment Plan: Smart Strategies for Quick Gains - Knowledgewap\" \/>\n<meta property=\"og:description\" content=\"Short-term investments are financial instruments that are held for a short period of time, basically less than one year &amp; are convertible into cash. These investments are best suited for those individuals who want to receive returns along with capital preservation &amp; liquidity maintenance. They attract low-risk &amp; lower returns than long-term investments. Examples of ... 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