Namaste All.
These years have been difficult. Especially for the common man of India. The earning he gets is in serious jeopardy. Jeopardy ?? yes, I mean it. I am now proposing to the average , hardworking , common man a wonderful investment scheme that will beat any current schemes by a margin of ten to one.
You might be now thinking that I am pitching for some wonder investment scheme that will change your life forever with an one time investment. Or maybe a mutual fund type Or even insurance linked ones. A big no.
I am taking you to the basics. Indians have been prudent saving people from time immemorial. They lived comfortably with what they got and still saved for themselves and posterity. The gold possession of Indians is the single glaring example.
But, of late , in the last two decades, I believe we have lost our tracks. We are now investing in useless insurance schemes and mutual funds. I am proposing a simple , age old saving system which beats all these and earns for you ten times and more.
It is called SMALL SAVING. To invest in small saving, all one needs is a nationalized bank or post office nearby. I suggest one person save Rs 400 per month and put it in a recurring deposit (or cumulative deposit scheme). At the end of the year he will have about Rs 5,000.00 including the interest he got from the one year scheme. Let us assume the person is 18 when he first makes the deposit. The person has to continue his saving every month and at the end of every year he has to open a fixed deposit of Rs 5000.00 He can continue this for about 32 years ( till he is 50) and then stop. In between he has to renew the deposits as and when they mature. This is all he has to do as investment.
Can you imagine what that person is going to get ? Well, there are options. If he thinks he needs money every year, then he will get Rs 80,000.00 (eighty thousands) every year from his 49 th year till his 81 st year. The total amount is a whopping twenty four lakhs.
Or if he can wait till his 55 th year, then he will get Rs 1,60,000.00 (one lakh sixty thousand ) per year till he is 87 years. Returns total fifty one lakhs.
Or he can choose to get Rs 3,20,000.00 (three lakh twenty thousands) every year from his 62 nd year to 94 years , Returns then will be Rs One crore.
You will be amazed. How is it possible ? Is it some con operation ? No. It is legitimate. It operates on a simple principle. Money doubles in seven and half years. This scheme is offered by banks and postal department. One can buy Indira Vikas patra, NSC or go in for a fixed deposit with the bank. You invested only Rs 1,60,000.00 in thirty two years and you can get a return of sixty times on your investment. I have given a simple table below to illustrate this.. One needs to go to the bank for only one hour per month to accomplish this. In the bank he will do this.
1. Pay Rs 400.00 for the recurring deposit.
2. renew the deposits for another period of seven and half years.
It is the best pension scheme I can think of.
One can think of variants inside this and can chart out his own scheme. But the results are astonishing .
Venkat
year
|
regular deposit
|
return 1
|
return 2
|
return 3
|
return 4
|
return 5
|
||
18
|
5000
|
|||||||
19
|
5000
|
|||||||
20
|
5000
|
|||||||
21
|
5000
|
|||||||
22
|
5000
|
|||||||
23
|
5000
|
|||||||
24
|
5000
|
|||||||
25
|
5000
|
10000
|
||||||
26
|
5000
|
10000
|
||||||
27
|
5000
|
10000
|
||||||
28
|
5000
|
10000
|
||||||
29
|
5000
|
10000
|
||||||
30
|
5000
|
10000
|
||||||
31
|
5000
|
10000
|
||||||
33
|
5000
|
10000
|
20000
|
|||||
35
|
5000
|
10000
|
20000
|
|||||
36
|
5000
|
10000
|
20000
|
|||||
37
|
5000
|
10000
|
20000
|
|||||
38
|
5000
|
10000
|
20000
|
|||||
40
|
5000
|
10000
|
20000
|
|||||
41
|
5000
|
10000
|
20000
|
|||||
42
|
5000
|
10000
|
20000
|
40000
|
||||
43
|
5000
|
10000
|
20000
|
40000
|
||||
44
|
5000
|
10000
|
20000
|
40000
|
||||
45
|
5000
|
10000
|
20000
|
40000
|
||||
46
|
5000
|
10000
|
20000
|
40000
|
||||
47
|
5000
|
10000
|
20000
|
40000
|
||||
48
|
5000
|
10000
|
20000
|
40000
|
||||
49
|
5000
|
10000
|
20000
|
40000
|
80000
|
|||
50
|
5000
|
10000
|
20000
|
40000
|
80000
|
|||
51
|
10000
|
20000
|
40000
|
80000
|
||||
52
|
10000
|
20000
|
40000
|
80000
|
||||
53
|
10000
|
20000
|
40000
|
80000
|
||||
54
|
10000
|
20000
|
40000
|
80000
|
||||
55
|
10000
|
20000
|
40000
|
80000
|
160000
|
|||
56
|
10000
|
20000
|
40000
|
80000
|
160000
|
|||
57
|
10000
|
20000
|
40000
|
80000
|
160000
|
|||
58
|
10000
|
20000
|
40000
|
80000
|
160000
|
|||
59
|
20000
|
40000
|
80000
|
160000
|
||||
60
|
20000
|
40000
|
80000
|
160000
|
||||
61
|
20000
|
40000
|
80000
|
160000
|
||||
62
|
20000
|
40000
|
80000
|
160000
|
||||
63
|
20000
|
40000
|
80000
|
160000
|
3200000
|
|||
64
|
20000
|
40000
|
80000
|
160000
|
3200000
|
|||
65
|
20000
|
40000
|
80000
|
160000
|
3200000
|
|||
66
|
40000
|
80000
|
160000
|
3200000
|
||||
67
|
40000
|
80000
|
160000
|
3200000
|
||||
68
|
40000
|
80000
|
160000
|
3200000
|
||||
69
|
40000
|
80000
|
160000
|
3200000
|
||||
70
|
40000
|
80000
|
160000
|
3200000
|
||||
71
|
40000
|
80000
|
160000
|
3200000
|
||||
72
|
40000
|
80000
|
160000
|
3200000
|
||||
73
|
40000
|
80000
|
160000
|
3200000
|
||||
74
|
80000
|
160000
|
3200000
|
|||||
75
|
80000
|
160000
|
3200000
|
|||||
76
|
80000
|
160000
|
3200000
|
|||||
77
|
80000
|
160000
|
3200000
|
|||||
78
|
80000
|
160000
|
3200000
|
|||||
79
|
80000
|
160000
|
3200000
|
|||||
80
|
80000
|
160000
|
3200000
|
|||||
81
|
80000
|
160000
|
3200000
|
|||||
82
|
160000
|
3200000
|
||||||
83
|
160000
|
3200000
|
||||||
84
|
160000
|
3200000
|
||||||
85
|
160000
|
3200000
|
||||||
86
|
160000
|
3200000
|
||||||
87
|
160000
|
3200000
|
||||||
88
|
160000
|
3200000
|
||||||
89
|
||||||||
90
|
||||||||
total invetsed
|
160000
|
total income
|
1 crore
|
|||||
No comments:
Post a Comment