Everyone wants to earn a decent return on their investment. There are a lot of online platforms and banking schemes available by which you can get really amazing returns for keeping the money for years without any risk at all. But there are so many other ways to buy in which you can more returns but the risk is high too, but all of us are willing to use it. There is no guarantee of that for sure, most of us do want to play safe. But the thing is if you want to play safe there is a chance of growing your money fast for sure don't you think?
Many people do spend their entire life to earn money for a better life after retirement. But not all the time things go as we planned right? If you are playing safe and you are not taking risks with your investment then the returns will fixed too.
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If you are ready to take risks then there are a lot of opportunities to earn really good returns for sure. Now time is changing very fast so are investment strategies. No one wants to keep their money ideally in there bank accounts, most of us are investing their money which is really a good thing. But investing your money based on others suggestions is not really a good idea in my opinion. What do you think?
There are so many government schemes available by which you can easily earn up to 8.1 % (it used to be very high in the past )returns over your investment but the lock-in period is about 15 years for that. If you are in your early 20s and you have a decent job then investing your money ppf is really a good idea by the age of 35 you will get a decent amount of what you did manage to invest 1.5 lakh (INR). if you did manage to do this for 15 years then you can get really a good amount.
There are so many other options available in cryptocurrencies where we can really earn a really good amount of money. But people still do afraid to invest here which is really sad to see. I did invest recently in HBD for a long time, let's see if I am able to keep it up or not. I convinced my cousin's brother to invest in HBD and guess what I did manage to make is first investment in crypto. If you want to avoid risk then you have to search for safe schemes to invest your money. If you are saving money which you need after a year or two I will recommend you to go with the banking option, yes The interest rates are not that good it is a good way to keep your money safe and you can withdraw your money in case if you need it for some emergency.
| Name | Monthly Amount | Years | Intrest Rate | Total Retuen | Intrest Earned | Invested Amount |
|---|---|---|---|---|---|---|
| PPF | ₹12,500 (INR) | 15 | 8.1 % | ₹43,93,464 (INR) | ₹21,43,464 (INR) | ₹22,50,000 (INR) |
| HBD | ₹12,500 (INR) | 15 | 20 % | ₹1,41,78,686 (INR) | ₹1,19,28,686 (INR) | ₹22,50,000 (INR) |
If you have invested in crypto it is gonna take you some time to withdraw it and yes you have to pay tax on that too. Which is kind of sad. If you keep your money for A long time then crypto might be a better deal for sure. you can easily see that in the above table for sure.
see you in the next post, till then Keep learning and keep exploring...
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