THE BEST INVESTMENT PLAN EVER

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