Introduction: Secure Your Golden Retirement
As an NRI, your hard-earned money deserves more than just a bank account. While banks offer FDs with limited returns, inflation, currency fluctuation, and market volatility can erode your wealth over time.
A Guaranteed Savings Plan ensures that your retirement income is fixed, safe, and predictable, helping you live a luxurious, stress-free retirement. Whether you are in Dubai, London, or New York, a well-planned guaranteed savings plan can secure your lifestyle and legacy.
Take action now: WhatsApp: wa.me/8517125619
Why NRIs Should Choose Guaranteed Savings Plans
Many NRIs rely on bank FDs or mutual funds, but these come with hidden risks:
- Inflation Risk: A 6% FD may not cover rising living costs over 30 years.
- Currency Risk: AED or USD savings fluctuate against INR, reducing retirement corpus.
- Market Volatility: Mutual funds can fall drastically during economic crises.
- Bank Limits: FDs for NRIs are capped and may not match your retirement goals.
Guaranteed plans from trusted providers like Bajaj ensure fixed growth and peace of mind, free from market and currency fluctuations.
What is a Guaranteed Savings Plan?
A Guaranteed Savings Plan is a life insurance + investment product designed to:
- Offer fixed, assured returns over the policy term
- Provide maturity benefits at the end of the term
- Optionally offer monthly or annual payouts (pension-style)
- Include life cover for family security
- Guarantee capital protection
Unlike market-linked instruments, your principal and guaranteed interest are fully protected.
Top No-Risk, Fixed Return Options for NRIs in 2025
| Plan Type | Key Features | Typical Returns | Comments |
|---|---|---|---|
| Bajaj Guaranteed Savings Plan | Fixed premiums, maturity benefit, optional pension | 5–6% p.a. | Tax-efficient, long-term stability, legacy protection |
| Bajaj Guaranteed Income Plan | Monthly pension payout | 4–5% p.a. | Great for HNIs wanting recurring income |
| Bajaj Guaranteed Pension Plan | Lifetime pension after retirement | 5%+ | Assured lifetime cash flow |
| NRE FDs | Bank deposits in INR with NRE account | 3–6% p.a. | Safe, but limited growth |
| RBI Sovereign Bonds | Fixed return government bonds | 5–6% | Very safe, but less flexible |
Pro Tip: For long-term retirement, Bajaj guaranteed plans outperform NRE FDs in returns, liquidity, and legacy benefits.
FD vs Guaranteed Plan vs Mutual Fund – Why Bajaj Wins for NRIs
| Feature | Bank FD | Mutual Fund | Bajaj Guaranteed Plan |
|---|---|---|---|
| Principal Safety | ✔ | ❌ | ✔ |
| Assured Returns | ✔ | ❌ | ✔ |
| Tax Benefits | Limited | Moderate | Yes (80C) |
| Inflation Protection | ❌ | ❌ | Moderate (higher than FD) |
| Pension Option | ❌ | ❌ | ✔ |
| Legacy & Nominee | ❌ | ❌ | ✔ |
Example:
Investing ₹50 lakh (~AED 22 lakh) over 20 years in Bajaj Guaranteed Savings Plan can give:
- Maturity Corpus: ₹1.2–1.5 Crore (~AED 53–66 lakh)
- Monthly Pension Option: ₹1–1.25 lakh/month (~AED 44–55K)
Compare this to a bank FD, which may give ~₹90 lakh in the same period, without pension option or life cover.
Take the first step: WhatsApp: wa.me/8517125619
Why Bajaj Guaranteed Plans Are Popular with NRIs
- Safety First: Capital is 100% protected
- Assured Growth: Fixed returns independent of market fluctuations
- Flexible Payouts: Lump sum or monthly pension options
- Legacy Planning: Nominee & family security included
- Trusted Brand: Bajaj is a household name for over 30 years
This combination makes it the preferred choice for NRIs who want both security and luxury in retirement planning.
NRI Tax Benefits & Legal Considerations
1. NRE / NRO Accounts:
Premiums can be paid via NRE accounts (tax-free interest in India) or NRO (taxed at 30% but easier to remit).
2. Section 80C Benefits:
Investments qualify for tax deduction up to ₹1.5 lakh per year (if NRE/NRO allows).
3. FEMA & RBI Compliance:
NRIs can legally invest under FEMA guidelines without repatriation issues.
4. Nominee & Will:
Plans include nominee benefits, ensuring your family receives corpus seamlessly.
Step-by-Step: How an NRI Can Start a Guaranteed Savings Plan
- Choose a trusted insurance provider (Bajaj recommended).
- Decide the premium amount and policy term (10–30 years).
- Pay premiums via NRE/NRO bank account.
- Opt for monthly pension or lump sum maturity.
- Nominate family members for legacy planning.
- Track policy online via secure NRI portal.
Who Should Choose These Plans
- HNIs & Gulf Professionals: Doctors, Engineers, Executives, Business Owners
- NRIs Seeking Security: Want predictable, guaranteed returns
- Family-Oriented Investors: Protect your spouse & children
- Long-Term Retirement Planners: 20–30 year horizon with wealth growth
Conclusion – Retire with Dignity, Luxury, and Peace
Your retirement deserves more than just an FD or mutual fund. With Bajaj Guaranteed Savings Plans, you secure:
- No-risk capital growth
- Guaranteed monthly or annual income
- Family security & legacy
- Peace of mind for your golden years
Luxury is not just wealth, it’s financial freedom.
Start building your golden retirement today.
Secure your guaranteed income now:
WhatsApp: wa.me/8517125619