Do you know money management???
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IMPORTANT before stacking up mobile recharges - READ THIS - Opportunity cost analysis - MOBILE RECHANGE STACKING

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Deal Subedar
DEEPANGEORGE

Hello Dimers,


Wanted to spend some time for awareness, so please take time to read and lets debate in comments and FRY THE CONCEPT IN BRAIN to not FALL IN MARKETING GIMMIC OF TELECOS 


I am starting to see everyone going on RECHARGE SPREE as ALL telecos started raising their pack rates


DONT DO THAT STACKING RECHAGES  - MORE THAN ONCE - not efficient for MONEY MANGEMENT

Efficiency: only 1 time STACK is efficient MORE THAN THAT IS BAD FOR MONEY MANGEMENT (with respect to annual packs)




Why don't do? THIS IDIOTIC THING (no offence, using harsh words to heat up BRAIN)

1) your money is locked for more than 1 year (if you stack up for 2 year of annual recharge pack) (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)

2) because the pack may have different T&C , the telcos have all right to withdraw anything they promised even after recharges (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)

3) think about this, if you put that money extra 2 or 3 year annual recharge money in a good STOCK it will be hmmm around 30% up (taking 15% as ROI per year ) or even more:) if you are skilled IN INVESTING AND ESPEICALLY MONEY MANGEMENT AND TRACKING as recharge hike is only 20% (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)

4) so always get thing that you need for IMMEDIATE 1 YEAR MAX not more than that BECAUSE WORLD LAND SCAPE MAY CHANGE ANY WAY OR GO HAYWIRE or disruption of 5G and 6G may arrive or another deadly virus outbreak or telco going bankrupt xD (all this is not possible at this moment but anything can happen) world is unpredictable (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)

5) New cheaper and efficient packs may be born in near future (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)


6) LOT MORE TO EXPLAIN BUT DONT WANNT TO MAKE YOU ALL SLEEPY and tired xD



- awareness content by DEEPANGEORGE


If you agree with things on money mangement,  lets bring awareness TO THE LESS KNOWLEDGE ONES ON MONEY MANGEMENT (with opportunity cost analysis)


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Helpful Helpful
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I did till 2030 back in 2021, with some offers it costed me 1800 back then.

I think that even a big investor don't expect more than 20% cagr from stocks. Normally it is 12% if it's index.

Pro Tech Guru Pro Tech Guru
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Long back when Jio was about to increase tariff in 2020 / 2021..

Recharged 3500 worth of vouchers and equal 3500 - invested in Crypto 😁

3500 turned into Rs.40000 😅😅😅

Helpful Helpful
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Buy Airtel stock

70 Comments  |  
30 Dimers
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Deal Cadet Deal Cadet
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Bro are you taking drugs or what joy

Deal Subedar Deal Subedar
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hehehe i guess I maybe lol (joke)
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Post Mogul Post Mogul
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who will suggest stock? not everyone has the knowledge to pick a perfect stock which will endup in returns.
Deal Subedar Deal Subedar
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stocks is just one example, there is lot of avenues these days:) BOND MARKET, MF's .. etc 


1) some good NCD's also gives 11% and 

2) ELSS MF's also gives nearly 15% with SIP you dont need to watch news and keep track:)

3) ahhh lot more... hmm if you look you can find lot of avenues:P to get 15% approx ONLY IF YOU ARE INVESTOR


but all are risky for sure:) you have learn and put effort smile


btw remember time is money:) so if you can spend time and allocate time to MONEY MANAGE and LEARN THINGS it will be good for FUTURE instead of working till death xDD hehehe just this is my view:P:)

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Deal Cadet Deal Cadet
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@DEEPANGEORGE bro if you have knowledge of stocks or mutual fund share plus1

Deal Subedar Deal Subedar
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First rule, never look for stock suggestion:) look for hot news and DECIDE yourself:) 


then you can grow:) as well:) and make decisions 

stock market works in favor for you, if you put your mind instead of copying strategy:) no offence:) just telling how it works:)


Side note: I dont mind sharing, BUT NOW I CAN'T AS ALL THE STOCKS ARE BALOONED AND INFLATED hahahahaha i seriously dont know where to put money lol xD

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Beacon Beacon
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Here are my views on Stacking multiple yearly plans:

  • Stacking recharges means we become locked into older plans. If a better plan becomes available in the future, we won't be able to switch to it because we're already committed to the older plan
  • While the free unlimited 5G hasn't been discontinued yet, there's a possibility it may be removed in the future. If they introduce 5G-only plans at that point, we could find ourselves stuck on 4G plans
  • If we want to change service providers for any reason (such as connectivity issues), we won't be able to do so because we've already invested in long-term plans with our current service provider
Deal Subedar Deal Subedar
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Nice points:)
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Entertainer Entertainer
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Dont ask for karma, upvotes etc.

Awareness comment by xxx

Deal Subedar Deal Subedar
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hahahahaha seems you did shared karma thankies for it xD 



apart from you, seems some others also shared some karma, sadly i dont know who, how to find someone put karma without they giving their name sad  now i am stuck unable to thank everyone

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Benevolent Benevolent
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Now consider another 20% hike next year and after that suddenly stacking is more financially sound joy

Deal Subedar Deal Subedar
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ifs and buts never work xD 

PROBABILITIES IS NOT ASSURANCE:) 
Helpful Helpful
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I did till 2030 back in 2021, with some offers it costed me 1800 back then.

I think that even a big investor don't expect more than 20% cagr from stocks. Normally it is 12% if it's index.

Pro Community Angel Pro Community Angel
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1800 for 10 years? Or per year 

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Commentator Commentator
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If interested, kindly share best value for Money plans for vi/jio/Airtel to stack up

Deal Captain Deal Captain
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2999 for 365 days, 2.5 gb/day , they promised unlimited 5g for 2gb/day & above plans. That's why.

For jio

Deal Subedar Deal Subedar
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Bhai jitna bhi paisa hai sab kuch invest hi nhi karna hota hai, and recharge max to max 3k ka hoga. I am not saying ki invest mat karo but itna deep sochne ki jarurat shayad thi nhi yaha pe sweat_smile han if someone is recharging for 5-10 years, then investing makes sense, otherwise kyu itni tension leni.. 20% to waise bhi mil hi rha h

Deal Subedar Deal Subedar
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I agree:) True hassle free:) 

hmm but if we invest that same amount in something else there is more chance of getting more than 20% smile hehe -> SIMPLE EXPLANATION OF OPPORTUNITY COST


hmm its called opportunity cost and hmm its risky for sure:) so based on your risk appetite decide 


and nothing is guaranteed 

1) this stacking is not guaranteed as 6G might come or some disaster might come and you feel bad (again just saying)

2) the investment in some assets is not guaranteed "as safe gold" and "unreliable stocks" might go haywire too


so based on risk appetite take your option:)


I am more into risky things:) so i suggested its better to invest than locking money more than a year into some service like phone bill which will lose value on long run, WHICH IS WHERE THE CONCEPT OF OPPORTUNITY COST COMES IN :)

research on opportunity cost and you will understand it:)

Entertainer Entertainer
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The money we generally use for recharge is idle money. No one invests 100% of their savings.

Don't attach everything to investing.

Deal Subedar Deal Subedar
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mhm it more about where the money stays:) KINDLY LOOK AT THE TOPIC OF OPPORTUNITY COST and you will understand what I mean, 


hmm in money, idle means danger, even if stays in your account WHICH YOU CALL IDLE will give you 3% xD

Specialist Specialist
Moderator
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Ideally you can stack for your lifetime

and may be for your children also.

The communication network is going to improve

and it may be possible to get in touch after your

death. It will be bargain to make extraterrestrial calls

at current 4G rates

Deal Subedar Deal Subedar
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T & C of Telecos will have a clause that they can change anything anytime:) so its not guaranteed this stacking is:)



some of reasons i mentioned some 5 or 6 points and TruthSeeker gave even more better answer:) which i missed to push in the original post:)

Generous Generous
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I think OP is the investor started investing after 2020 bull run and doesnt know how market works.

or is high on Weed😂

Deal Subedar Deal Subedar
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hahahaha i opened my first demat account around 2016 I think and kept it dormant till hmmmm 2019 i think and then entered and invested, then value in stocks become 50% down (VANISHED) during covid xD and then I LEARNED THE POWER OF AVERAGING xD



so if you have more money to generate and don't go back on logic which you implemented yourself, stock market is not that DANGEROUS AS YOU SAY xD


Hence to answer you , I got in stocks before covid xD

so i think I am on Weed xDD (joke)

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Pro Tech Guru Pro Tech Guru
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Long back when Jio was about to increase tariff in 2020 / 2021..

Recharged 3500 worth of vouchers and equal 3500 - invested in Crypto 😁

3500 turned into Rs.40000 😅😅😅

Deal Cadet Deal Cadet
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Which coin/token?

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Helpful Helpful
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Buy Airtel stock

Blogger Blogger
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Don't forget Voda 

Like Magnet Like Magnet
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Op is bad at math or high on weed.

Current jio unlimited 5g plan for 336 days costs 2454.

After new rules you gonna need to recharge with high value 2gb plans only. That plan will cost 859×4 = 3436.

So please stack up you plans as much as you can unless you can earn 1000 by investing 2500 🤣

Deal Subedar Deal Subedar
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omgggg i am bad at math sad  MY BAD 




actually investing 2500 and taking 1000 is possible ITS NOT ROCKET SCIENCE





if you invested Rs. 2454 in airtel stock 1 year ago and with 65.56% growth rate it would have turned out to be 4093, turns out to be Rs. 1639 profit


WHICH IS more than +1000 hmmmmmm TO BE EXACT 1639


am i missing something? oh god i am drugged:) save me sanketpero


Side note: PAST PERFORMANCE IS NEVER AN INDICATOR FOR FUTURE PERFORMANCE

this is just illustration of possibility smile for educational purpose

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Tech Guru Tech Guru
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@DEEPANGEORGE

I have been thinking the same thing. Thanks for this topic. Kg+


But I have some differences in opinion.


• We shouldn't compared recharge que saving ( approx 20% ) with any investment which are heavily Market dependent, thus can also yield negative returns (especially  in short term).

So Comparing with returns rates of Low risk/ No risk low return  investments like Debt Mutual funds and FD would be more fair in this case.

In a quick google search I found best Debt mutual funds give 8-9% returns annually. And best FD gives about 7-8.7% interest annually.

We can consider 8% Annually compounding interest as somewhat average.

If you have recharged Annual plan recharges for next 3 years. Suppose  cost is Rs. 2999 for each year.

Incase 1st recharge benefits starts immediately, then you have to consider only cost of next two queued  Recharges, until 1st one's validity is over and second one starts. Then second one is over 3rd is activated.

You have to calculate  investment period:

1st  year recharge : 0 years

2nd year Recharge : 1 year

3rd Recharge: 2 years


Because you're supposed to pay the price of an annual recharge plan upfront anyway.

........


Let's calculate:

1) Second recharge, Rs.2999 ,  8%  compound interest in First year is 3238.92

2) Third recharge RS. 2999 , 8% compound interest for 1st  year ,  Rs.3238.92/-

for second year, 3238.92 , 8% compound interest. Rs.3498.03/-

So Second Recharge Amount interest/  return: 239.92

  Third Recharge return amount: 499.03

Total: Rs.738.95/-

..................

Total Amount investment in que 2999x2 = 5998
Interesting earned ( return)  = 738.95 = 12.32%

In two years

.................X...........


Please tell me if you find any flaws in my calculations




@Jarvis.-. @sanketpero  @dealchecker @Garyhost
Deal Subedar Deal Subedar
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Thanks for the KG's that greatly helps me out smile hehehe


I see you done some detailed calculations hmm but lets keep it simple:) if you go this deep we need excel sheet xDDDD to calculate



and we wont follow deep calculation:) because investment should be easy to calculate:) or else we will feel hazzle and ditch it before we even start it:) SO THE SUCCESS OF INVESTMENT RULE IS KEEP IT SIMPLE STUPID (KISS LOGIC -> no offense its logic name)  so let me explain my another view of investment:) 



before that BTW let me clarify one thing, I MEANT INVESTMENT IN ANYTHING one is comfortable with like real estate, or debt bonds, or MFs including ELSS , index.. etc or Gold or P2P lending or rotating money or .... lots of avenues to invest butt everything has certain amount of risk, EVEN FD HAS CERTAIN RISK after all DICGC insurance will NOT COVER above 5 lakhs of FD amount including interest:)



To become a successful investor one has to first learn NOTHING IS SAFE:)



my main goal as a small investor is I am okay to invest in anything by diversifying and mitigating the risk as low as possible AND YET SHOULD YEILD 15% MINIMUM that was my main goal as investment (my intention is investment is the goal, not stock market) 


SO THIS POST IS ABOUT TO replace this DUMB STACKING EVERYONE IS GOING FRENZY ON without understanding what is opportunity cost:) of locking money for more than 1 year



Well i was putting that STOCK MARKET AS EXAMPLE to prove its possible to make more than what we stack:) but ya i get you for risk averse investors ITS NOT WISE CHOICE so for risk averse investors let me bring in THE ALL TIME POWER OF CURRENCY -> MR. GOLD the savior


one year ago the gold price is Rs. 4800 approx and now its approximately Rs.5800. which is approximately 20.83% growth smile THIS EVEN BEATS FD AT THIS MOMENT OF TIME:) but time changes NOTHING IS SAFE:)


So being investor I never got scared of anything smile because I juggle things between every risk and mitigate it based on TIME:)  we can't time market but WE CAN TIME OUR PLANS AND INVEST:)


Side note: your calculation is good:) it would have been better if you can put it in a tabulation:)

Side note 2: I invest in EVERY POSSIBLE ASSET I FIND:) not only stock market xDDDD , gold to FD to stocks i use everything as investment:)

Total_Fun

sanketpero

Deal Subedar Deal Subedar
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Bro is suggesting to ditch uncertainty by investing in stocks smile

Deal Subedar Deal Subedar
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mhm my idea is invest in anything , just dont lock money smile

Deal Cadet Deal Cadet
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After their tariff announcements, bought CE of both stocks and earned recharge amount for full year for all connections in my home. 😝

Deal Brigadier Deal Brigadier
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30% up good stock konsa h jaldi se batao

Blogger Blogger
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Buy Vodafone. Next Target - 22

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Generous Generous
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are ye sub ambani ki shaadi ke liye fundraiser hai , people will buy more for stacking and they will make it again normal 

Cool Cool
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Nice bro

Wingman Wingman
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1) The reason is "for efficiency"?

2) Withdrawing promised things after recharge looks like illegal.

3) No guaranteed returns in stocks.  It could go down too. Better compare will fd. Anyway, select that stock. Let's watch if it will go 30% up in 2 years for fun.

4) 1 or 2 years, it's subjective. You think widespread 6g will arrive in 2 years. Don't think so. Bankruptcy chance goes like vi>Airtel>jio.

5) Telecoms are trying to increase arpu. Major plans are highly unlikely to get cheaper in the next 2 years.

My own take would be to recharge for 2 years. By the end of the third, they won't be cheaper because of inflation. Price hikes have been happening in line with inflation/fd rates. In 3 years, fd @ 7/8% would be around 24% compounded. Also consider your chance of changing the operator.

Shopping Friend Shopping Friend
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I agree with OP somewhat.

The 2545 recharge gives 336 days @ 1.5GB/day.

If we convert the cost of this to per day, it comes down to 2545/336 = ₹7.57

As I previously mentioned in one post, most of the dimers have multiple Rupay Platinum Debit Card. This 1.5GB plan will be available @ 699 (799-699 rupay card offer after tariff hike).

The cost per day comes to 699/84 = ₹8.32

The difference is only ₹0.75/day or ₹274 annually. If we would have kept this in bank as FD, the interest would have been minimum ₹175, hence making the difference a paltry ₹100/year.

Few people are stacking this up for years 😦 

Am I missing something here? What if we were to change operator or anything else? That ₹100/year savings would prevent us.

I agree that maybe recharging now would give us unlimited 5G but everyone doesn't need that amount of data.

What are your opinions? Am I missing something here?

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