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Which Are High Return Investments For a Child?

Being a parent comes with many responsibilities. One of the most important responsibilities is to conserve the future of your child financially. Planning ahead for the future you think your child might live in can help you save money for their expenditures. This can help your child live independently. They can choose where they want to study their higher studies if they want to go abroad. They can choose to save for their marriage and have a hassle-free life. 

The most important advantage is that they can confidently live on their own with just a little hard work. This will help them understand financial stability and provide them with financial freedom. 

3 High Return Investments You Can Consider For Your Child’s Bright Future

Investing for the future of your child is important but investing in the right instruments plays a key role in how efficiently you can save for their future. Some high return investment instruments are given below -

  • Gold ETFs

An effective way to save and grow money for your child is to have liquid assets. The best way to have liquid assets is to invest in precious metals like gold. Investments do not have to be physical. You can buy ETFs issued regularly by the government and buy bonds that help you have liquid assets. This is to help the child convert their assets into money whenever required. This instrument is also very safe as all the investment is done virtually. Theft is not a factor to be afraid of.

You may also like to read:- Child Life Insurance Plans: Myths Vs. Reality 

  • Child Plans

Child plans are saving policies tailored just to serve the necessities of a child and their future. As a parent, if you want a safe and effective instrument to invest in for the future of your child, you can choose to invest in child plans as they provide you with many benefits that fit just right in to support the child and their future efficiently. In these plans, you can avail of tax deductions under section 80C of the Income Tax Act, 1961. If there happens to occur sudden death of the parent or the guardian, the child will receive a coverage amount and the premiums will be paid by the insurer on behalf of the child to keep the policy going.

  • Debt Funds

Debt funds are greatly suggested investment instruments to invest in to save and grow your money for the future of your child. They invest in other instruments that generate fixed income like treasury bills, and other market options. These instruments have a pre-decided maturity age. They also have pre-defined interest rates. The buyer can get these benefits once the maturity age of the plan is reached. Generally, the returns do not get influenced by market fluctuations. Hence, this is a low-risk investment.

Also Read:- How to Choose the Best Child Insurance Plan?


There are many ways to save money for your child effectively. While investing in a plan, you must compare all the different aspects and various plans and schemes to pick one that suits your lifestyle. Some ways to help your child are by investing in safe and efficient investment instruments like buying gold, buying a child plan, and investing in mutual funds. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

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