Thursday, September 13, 2012

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










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