Making a 18% Return on your Investments

But before that lets understand what a 18% return on money would do your wealth. 

Basically you are paying yourself 13 months salary in a 12 month year, good to have extra month salary without actually “working” for it right? 


If you are wondering that next we will ask you to invest in equities, no we are not! Remember we told very simple & easy? Equities are not so simple/easy, there are labors of pain you have to go through before equities make you filthy rich. Anyways moving on.. 


How to earn a 18% Return – 


                            We all know then that in next 3 years there is always a BIG EXPENSE that’s coming up, most of the times we just dont predict it right but the expense comes anyways alright. For a bachelor, it might be his marriage, for a newly married couple, it might be a expected Baby, for 1st time parents, it might the kid’s school capitation fee and by the time this circle is over, our house might need some new things, may be a new fridge, a new TV, a new coat of paint or may a be a car! This cycle on… 

                           Out of some random survey we found out that generally the 1st personal loan a  person takes is for 3 lacs. Such loans are repaid in 3 years, the EMI working out to be appr. 10,000 every month. (Now you know where the 10,000 came from in the above table). 


                         We advice that instead of taking a loan @ 11% interest(current PL rates), simply start assuming that you already have a loan, shove the EMI amount into a liquid fund. The liquid funds have generally given a return of 6-7%. This way you will 1st make a return of 7% on your investment which is risk free and also saves you interest of 11% that you will pay on your Personal loan thus earning you a 18% return (7+11). 


By planning things this way –