How To Generate  Rs.1 Cr Corpus With Rs.1 Lack Deposit | Retirement Plan.

 

 

Everyone have a dream to live happy after sixty, but we must have a plan to best investment. Here I’m disclosed novel idea, How To Generate  Rs.1 Cr Corpus With Rs.1 Lack Deposit retirement plan.Dont worry about loss its only no loss idea, Every single detail is given below read this article completely to better understand.

This method is depends on inflation so, we must know about inflation.

Inflation: Inflation says to increase the prices of most merchandise and services of regular uses, such as food, clothing, housing, recreation, transport, consumer things etc. Inflation evaluates the average price change in a period of time of commodities and services over time.

Examples: daily needs, stocks/shares etc..

·         What is the egg cost today? and how much it is in 5 years back .What about breakfast cost today and what  it’s in last 5 years .everyone have  answer, right ?.Almost everything (daily needs, goods, services and etc..) cost as double compare their 5 years back rates. Why because its  depend on inflation. No need to understand too depth about inflation just you have to know every year cost of merchandise will go up, its explained by inflation that’s it  .

·         We are using these situation to reach our target as a small investment as deposit.

As well as based on inflation, stock/share price also increasing in long-term means above 5 years.Here, some of the examples given below check it.

Reliance industries LTD. This share price is Rs.80/- in 2000, today above Rs.2000/-.you can check some more stocks

Can you expect what is the price of this share, after 30years? I’m expecting, Almost it is around 30000/-.

year	Share price
2000	Rs.80/-
2005	Rs.179/-
2010	Rs.475/-
2015	Rs.521/-
2020	Rs.1500/-

 

Tata consultancy services ltd.

Based on inflation stock/share price will grow up as double in every six years. you can check online, some of the stocks in large cap sector .Take a look below table there I’m mentioned to take some examples, price of stocks and how will they can grow in every six years and after 25/30 years how much can we get. If you have 100 stocks at price of Rs.250/- then you can get 4.0 lacks after 25/30 years.

If you can maintain 2000 to 3000 stocks on your portfolio you can get up to Rs.1Cr in 25/30years vary of stocks and quantity.

Stock price	Quantity Of stocks		1stmultiplication 6years	2ndmultiplication 6years	3rdmultiplication 6years	4thmultiplication 6years	Returns After 25years
100	100	200		400	800	1600	1.6 L
150	100	300		600	1200	2400	2.4L
200	100	400		800	1600	3200	3.2L
250	100	500		1000	2000	4000	4.0L
300	100	600		1200	2400	4800	4.8L
500	100	1000		2000	4000	8000	8.0L
total	600						24.0L
	600*5	3000 stocks					1.2Cr

 

How you can buy the stocks?

   Invest in open ended mutual funds and buy the stocks with capital gain, hold the stocks for 25/30 years.

·         First, you should invest as lump sum in open ended mutual funds which are giving best performance, only wait for 3 to 6 months. Whenever you get above 15% on your capital in between the six months, then withdraw your money by pay the tax as 15% and 0.1% to 1% exit load. If you are investing Rs.1lack as lump sum in open ended mutual funds, 3 months after if you get 20% on your capital, and then see the calculations.

·         20,000/- profit on your capital, Right? Now you have to pay total 16% tax, finally you can get Rs.16800/- .Then you should buy better stocks of 100 quantities at Rs.168/- hold these stocks for 25/30 years. These price would be Rs.2688/- and total shares value 2.68 lacks after 30 years.

·         Again reinvest your capital as lump sum in open ended mutual funds generally; small cap funds are more volatile they can give up to 40% on within 3 to 6 months. Some funds screenshot (29-sep-2020) given below and also you can check in online.

·         You should do same job until you get 2000 to 3000 stocks in your portfolio. Whenever you reach your target you can withdraw your investing money (1 lack) .if you want to use this 1 lack, you can buy some more shares otherwise you can withdraw 1 lack from mutual funds account to your bank account. Now you have 2000 stocks in your portfolio.

·         These journey will takes up to 5 years then after you have some valuable shares generated by capital gain and main fund again reflect in your main account therefore here I’m using the word as deposit not investing .

 

 

Why it’s not investing? How it is deposit?

 

 These journey will takes up to 5 years then after you have some valuable shares generated by capital gain and main fund again reflect in your main account. You can withdraw your money from mutual funds accounts to your main bank account, therefore here I’m using the word as deposit not investing .

 

How does it is no loss idea?

 

Generally, your are investing in any mutual fund they will give some assured percentage of profit. If you’re not getting above 15% profit on your capital within the six month, you have to wait for next month’s up to one year or more otherwise you will get assure percentage after your locking period .Generally, stock market is volatile it will be give up and down fluctuations main thing is you should enter the stock market in right time.

 

Hey!! you don’t worry about enter and exit times that will managed by fund manager ,that’s why we’re paying expense ratio and exit load to fund managers.

 

Hey guys thank you for reading these article, please share this idea to your friends and family whoever interest in investing some money in their hard earnings.

Take a chance to let get your dream come true.

 

If you have any second thought on this method please share in the comment and if you have any doubt feel free ask a question as comment.

 

HAVE A NICEDAY!!

HAVE A BIG DREAM!!

LET’S DO THE WORK FOR THAT!!

 

 

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