05/03/2024 | 4 Comments

If you are someone who is looking for the best way to invest money and earn returns within less than a year, then you have short-term investment plans waiting for you. These short-term investments would help you get great returns within months. Moreover, if you wish to have less investment risk, then these short-term investments make for the best way to invest money.

With this brief guide, let’s understand more about short-term investment options for up to 6 months, the returns they offer, and what you should consider before investing.

What Is a Short-Term Investment?

As the name suggests, a short-term investment is investing your money for a brief period and gaining good returns before moving it somewhere else. In other words, it is like making your money work for a short-term, ideally for a few days to a few months, to achieve your financial goals.

Best Short-Term 6-Month Investment Plans

Here we list down the best short-term investment plans you can consider for 6 months:

Fixed Deposits (FDs)

If you are looking for a safe harbour for your money, then FDs should be your calling. Here, you deposit an amount for a fixed tenure and earn interest on it. However, keep in mind that the interest rates may vary depending on the bank and prevailing market conditions.

Savings Accounts

Most of us keep our money in savings accounts. Though they offer lower returns compared to FDs, savings accounts provide liquidity and easy access to your funds. You can always withdraw your money any day and anytime. It should also be noted that some banks offer higher interest rates on savings accounts.

Peer-to-Peer (P2P) Lending

One of the best short-term investment options right now is P2P lending, otherwise called peer-to-peer lending. With P2P lending platforms like 13Karat, you can directly lend your money to borrowers without any middlemen, leading to better returns. With 13Karat’s 6-month investment plan, you can earn great returns of up to 13% with an investment tenure of 6 months.

Short-Term Bonds

Corporations and governments issue short-term bonds where you can invest your money. These bonds often come with maturities of less than one year and hence, can be one of the best short-term investment plans for you. With these bonds, you can earn steady returns with relatively low risk.

Recurring Deposits

Another popular investment option is recurring deposits (RDs) offered by banks. They work on the principle of regular monthly deposits over a fixed period. RDs are perfect for you if you are looking to save and earn a fixed return on your investments within a relatively short time frame.

Return On 6 Month Investment Plans

The return on your 6-month investment can vary depending on the investment option you choose. For the above-mentioned 6-month investment plans, here is the returns you can earn:

  • Fixed deposits- returns range from 4% to 7%
  • Savings accounts- usually lower, ranging from 2% to 6%
  • Peer-to-peer lending- up to to 13%
  • Recurring deposit- 2.5% to 8.5%

Things To Consider While Investing In Short-Term 6 Month Investment Plans

6 Month short term investing

  • Always assess your risk tolerance so that you know how much risk you are willing to take to earn higher returns
  • Consider the lock-in period before investing in any short-term investment plan
  • Only choose the investment plan that aligns with your financial goals
  • Always check for the prevailing interest rates in the market
  • Spread your risk by diversifying your investments
  • Be aware of hidden charges before you take up the investment plan


These short-term investments make for a smart way to grow your money. However, you must understand your financial goals and risk tolerance before investing in any financial product.

If you are looking for higher returns, you can always sign up with 13Karat for P2P lending. With our 6-month investment option, you can grow your wealth and achieve your short-term financial objectives. Download the 13Karat app today!