Open DBS Treasures Account
Investors who want to increase their money within a short period of time will find plenty of short-term investment plans available in the market. These investments provide features like liquidity, safety, and steady returns. Selecting the appropriate short-term investment plan can assist in effectively achieving financial goals for individuals looking to manage excess assets or achieve short-term financial goals.
An investment instrument that has maximum maturity tenure of three years is referred to as a short-term investment. These investments are frequently selected due to better returns offered within a shorter tenure. They are helpful for investors who want to achieve specific financial goals within a specified time-frame.
Short Term investment plans generally invest in fixed income assets such as Treasury bills and government securities. These investment plans also allocate funds to assets such as short term bonds, certificates of deposit, or short-term mutual funds.
Depending on the terms, the investment may be repaid either at maturity or, in certain situations, earlier. These plans are available through banking or investment platforms and usually require moderate initial investment.
There are several advantages of investing in a short-term investment plan. As an investor, it’s important for you to know the features and benefits of this investment instrument for better alignment with your financial goals:
Now that you are aware of the features of this investment instrument, it’s also wise to factor in some considerations while selecting short-term investing plans:
A thorough evaluation of these factors guarantees that there is no needless risk, and the investment will satisfy your financial expectations.
When evaluating short term investment plans with high returns, it's essential to consider the balance of return and risk. Below is a comparison of commonly used instruments:
Investment Type
Tenure
Expected Returns (p.a.)
Risk Level
Debt Mutual Funds
3 months to 3 years
6% to 7.5%
Moderate
Corporate Bonds
1 to 3 years
7% to 9%
Moderate to High
Fixed Deposits
7 days to 3 years
Low
Treasury Bills
91 to 364 days
5% to 7%
Very Low
Premium Savings Accounts
Ongoing
3.5% to 6.5%
Each plan varies by tenure, return profile and liquidity, so the right choice depends on individual financial needs and preferences. High-interest savings accounts such as those from DBS Treasures offer liquidity and competitive interest rates while keeping funds accessible.
All the short term investment plans vary as per tenure, return profile and liquidity, as an investor the right choice for you depends on your financial position and preferences. Investing in a plan becomes seamless experience with premium savings account with DBS Treasures which offers investment options and assistance from wealth experts.
Depending on the product, there are various methods for calculating returns on short-term investments:
Online calculators are frequently provided by banks and financial service providers to streamline this procedure and facilitate comparison.
Plans for short-term investments offer a useful approach to handle extra money while generating consistent returns. They are appropriate for a range of financial objectives, including capital preservation with some growth, emergency reserve building, and short-term spending savings.
People can choose from a variety of options, including mutual funds and deposits, depending on their tenure preferences, liquidity needs, and expected returns. A premium savings account or an NRI Account from DBS Treasures is a great addition to short-term financial planning for individuals looking for convenience because it offers high-interest earnings together with accessibility and first-rate banking services.
