Hotness SERIOUS HELP NEEDED REGARDING INVESTMENT !!

Hot Deal SERIOUS HELP NEEDED REGARDING INVESTMENT !!

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ramadesidime wrote:

Follow the Golden rule.
The Money is your money, as long as it is in you hand.

One should have at least 50L per head networth to survive for 50 years.
For elder people, consider buying a one house, one plot, one wetland and gold. These investments will beat the inflation and gain some thing extra too.
Try to get monthly pension schemes investing in NPS etc. (This is useful when Sons/daughters abandon the parents after taking parents entire wealth)
Keep some money (<1L) in bank fixed deposit for monthly expenses with different brand (like SBI/AB/HDFC) banks in the same town or city. If the bank bankrupts, RBI pays back the money up to 1L per bank.
Take medical/Health insurance cover for minimum 5L.
Do not believe in any other options including the so called Top Life Insurance people, they can deny any claim at any point of time.

What do you mean by wetland?
Are you saying ponds/lake?
Are those for sale?

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Deal Subedar
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DealBroker23 wrote:

What do you mean by wetland?
Are you saying ponds/lake?
Are those for sale?

i think agricultural land with access to irrigation.


buying ponds is not possible.but u cam make one in village.

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savl wrote:

Mis to Rd ac….in mis ac u get monthly interest of the amount u deposited and with that interest amount u can open a Rd ac so that interest from mis will automatically keep depositing in Rd ac every month….so the combine interest u gonna get is 8.9%+

Why not go for cumulative FD directly?
See this post
https://omnicomplete.blogspot.com/2019/09/rate-...

see Interest rated in MIS is less than that of FD by choosing mis one.

Calculator – https://v1.hdfcbank.com/personal/fixed-deposit-...

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rogerthat wrote:

i think agricultural land with access to irrigation.


buying ponds is not possible.but u cam make one in village.

If it is agriculture land, I think not all can buy agriculture land

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DealBroker23 wrote:

If it is agriculture land, I think not all can buy agriculture land

Thats right.
Most of the states in India allow buying wetland without any restriction for residents.
It is going to be a ‘’Big need’’ in future for city dwellers to have their own organic veggies and stuff.

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Deal Newbie
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Dastro wrote:

Avoid it
I was going to open fd with future enterprise but when I came to know Not 1 Rs is insured
I abandoned it

but in other options only 1 lac is insured what about rest of money

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dealu22 wrote:

but in other options only 1 lac is insured what about rest of money

But they are more reliable than fel

Anyway now days it’s very easy to open a bank account
so open account in multiple banks for 1 lakh fd
and still excess amount can be left in big banks like sbi

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Dastro wrote:

But they are more reliable than fel

Anyway now days it’s very easy to open a bank account
so open account in multiple banks for 1 lakh fd
and still excess amount can be left in big banks like sbi

but interest rate is too low

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Deal Cadet
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dealu22 wrote:

but interest rate is too low

yes,
less risk less gain
more risk more gain

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Deal Newbie
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DealBroker23 wrote:

Why not go for cumulative FD directly?
See this post
https://omnicomplete.blogspot.com/2019/09/rate-...

see Interest rated in MIS is less than that of FD by choosing mis one.

Calculator – https://v1.hdfcbank.com/personal/fixed-deposit-...

No idea about cumulative fd but it won’t give u mis+Rd interest….I work in post office n post offices offers better interest than banks….n mis+ Rd is best

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savl wrote:

No idea about cumulative fd but it won’t give u mis+Rd interest….I work in post office n post offices offers better interest than banks….n mis+ Rd is best

Did you verify with the hdfc calculator?

I verified personally you will get same for mis + rd and normal(cumulative FD)
atleast for HDFC bank

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Safest and highest returns, go to Hyderabad and buy some lands on the east or the west.

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F7-Dimer-Primer wrote:

Safest and highest returns, go to Hyderabad and buy some lands on the east or the west.

prices?[saying loosely however dont have so much ]
and where near the airport?

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DealBroker23 wrote:

prices?[saying loosely however dont have so much ]
and where near the airport?

You will find lands in every price range, 15k to 100k for investments in new layouts. Near the airport, there is plotting going on in some areas with price range around 25k-40k. It will drastically rise in value as the under construction IT SEZ and other SEZ reach critical mass. On the east to Vijaywada highway, and Pocharam road, the lands are undervalued and the government’s new look east policy will multiply the investment very quickly. On the main roads, the lands are too costly to be bought. But as you move inside, it gets cheaper. And the facilities are good inside colonies too.
I see people turn 10 lakhs into 70 lakhs in 10 years.
Even the flats are profitable in the the east and the west. pricing 3.5k to 8k.

https://economictimes.indiatimes.com/wealth/rea...

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