Fd 4: Fill & Download for Free

If you are earning 5 lacs per annum after all the tax deductions. Follow 50/30/20 rule in which you spend 50% of income on household necessities, 30% on luxury and entertainment and another 20% you put into savings.You can invest in Mutual Funds according to the risk you can take like equity funds, or debt funds etc. and the goal which you are aiming for , keeping in mind the time period. The returns are not that quick. You will need to remain invested for a longer duration like 5 years or so. You can take either of SIP or lumpsum route. The returns will range from 7% to 35% if you remain invested for a period of 3 years or higher.You can invest in Fixed Deposits for a period of 5 years or 1 year at interest rates varying from 7% to 8.75%.You can invest in Recurring Deposit for a longer duration. The interest rate here also is roughly the same as for FD.You can invest in National Savings Certificates (NSC) upto 1.5 lacs per annum. They also offer good interest rates.There are many other saving options available in the market but the highest returns are provided by Mutual Funds if you keep invested yourself for a long term. Make a Systematic Investment Plan (SIP) and invest every month. Always invest in Growth mutual funds and not the ones which provude dividend annually or quarterly.It has been rightly said by Albert Einstein (physicist) centuries ago “ Compound Interest is the 8th wonder of the world” .There lies immense power in compounding. If you invest about 20% of your income where you get post tax returns above or equal to 13% then by retirement you will have approximately the same amount you earned during the entire period.Happy investing!Thanks and Regards,Vishan KhadkeSuggestions are welcomed!

So for people wondering what the hell “Hypergeometrical Universe Theory” is, here you go:1. The Universe is a lightspeed expanding thin hyperspherical shockwave (Fabric of Space or FS) which started with a 4D Big Bang 15.82 billion year ago. The age of the Universe was derived from the Pioneer Anomaly Data. The right panel right panel below shows a local metric that is Minkowskian. This topology eliminates the need for Inflation Theory since it explains the Microwave Cosmic Background in a straightforward manner.2. HU derives Grand Unification Laws from a Fabric of Space (FS) Stress-Strain paradigm to eliminate the need for Mass, Charge and other non-geometrical constructs. In doing so, it allows for the derivation from first principles of all non-geometrical Cosmological Constants (G, 0,0). It also allows for the derivation of c as being the limiting speed in this Universe. The resulting Grand Unification Laws are shown below:3. HU introduces the concept of Fundamental Dilator (FD) to replace particle. The FD is coherence between deformational states of the 4D spatial manifold. As it travels within the FS, at the speed light along R (direction perpendicular to our XYZ coordinates), FD spins maximizing its overlap with FS twice every spin. The four phases of FD corresponds to the four fundamental particles (proton, electron, positron, and antiproton). All hyperons and isotopes have a simple representation in terms of the four phases of the FD.4. HU passes the standard tests for General Relativity (Precession of Mercury Perihelion, Gravitational Lensing) and provide the proper logic to move from Classical Mechanics into Quantum Mechanics by the Stroboscopic Universe paradigm brought about by the Fundamental Dilator.[1][1][1][1]There you go. That’s it.The Hypergeometrical Universe Theory isn’t a theory. The Hypergeometrical Universe Theory isn’t a hypothesis. The Hypergeometrical Universe Theory is gibberish. Word salad. Garwharbl. There’s not the slightest evidence that any of this is even meaningful, much less correct.This is Time Cube-level stuff. Not to put too fine a point on it, it’s not even wrong.Footnotes[1] https://vixra.org/pdf/0810.0016v1.pdf[1] https://vixra.org/pdf/0810.0016v1.pdf[1] https://vixra.org/pdf/0810.0016v1.pdf[1] https://vixra.org/pdf/0810.0016v1.pdf

I will tell you what I would have done:1.5 lakhs into PPF as it is tax free2 lakhs in FD4 lakhs in stocks (choose wisely 10 stocks in different industries and healthy ones)1 lakh gold(or ETFs)1.5 lakhs Mutual Funds (choose debt mf now more than equity mfs)