How to Save and Invest More Money Every Month in India

 Have you small job or small business or small income from your small self-employed business? Have you dream to grow your wealth or become rich or grow your big business? Answer is, you need more money to save and invest every month in India. 

But still we all come on one question? 

How to Save and Invest More Money Every Month in India? 

So, today, I am sharing my strategy which you can use to save and invest more than your capacity. 

1. Open Post Office RD Account and Convert it in MIS On its 5th Year End Maturity and Double RD Amount After 5 Years 

With this, first, you will open small RD of Rs. 1000 save per month through your small business income.

After 5 years, it will be 71,000

Now convert it in MIS which gives about Rs. 463 passive interest income 

Now, After 5 years, open New RD with double Amount 

Means Rs. 2000 pm 

Now, you just income RD Rs. 1537 with your small income business and MIS Interest will support you rest Rs. 463

Now at the End of Next 5 Years or end of 10th year

You will have 71,000+143,000 = Rs. 214000 including compound interest

Now, do its MIS FD 

Now, you will get MIS per month passive income interest = Rs. 1286

Now double RD of your  past RD

That is Rs. 4000 per month 

You have pay its per month installment 

Rs. 2717 from your small business and Rs. 1283 from your MIS Passive income

At the End of next 5 years or at the end of 15 years, you will have 

the Net Wealth in the Post Office = Rs. 213,000 (MIS FD Fund) + Rs. 287728 ( RD Maturity value) = Rs. 5,00,728

2. Invest in Gold Fund with Saving of Electricity 

With using of solar plant, you can save electricity, this is truth. Suppose, you save Rs. 3000 per month, invest it Gold Fund by keeping fund for first 10 gram gold or buy gold online every month. Now, do it for 15 years 

At the end of 15 years, you will be invested money in Gold = 

Invested amount

₹5,40,000

Estimated returns

₹14,53,664

Total value

₹19,93,664

3. Invest in Mutual Funds with Petrol Saving Fund

For this, you have to invest first Rs. 50,000 in good electric bike through your small business income or salary and then start to save petrol for next 15 years. If you save Rs. 2000 petrol per month by using electric vehicle,

and invest through your small business Rs. 2000

total SIP 4000 per month 

 you will save in mutual funds in 15 years

Invested amount

₹7,20,000

if a good mutual funds return 15% per year, then 15 years compound return =

Estimated returns

₹19,38,219

Total value of MF you have just saved petrol bill and small income investment in 15 years = 

Total value

₹26,58,219

4. Write Your Knowledge and Experience in Your eBooks nd Self Publish and Get Passive Income and Invest in Share Market 

For this, you have to invest your free time to write ebooks and then publish in own website or other ebooks store and get royalty per month.

Suppose, it is Rs. 5000

and you have invest same money per month in share market for 15 years in good stocks holding

and if average return is 15% 

Your principal in share market will be at the end of 15 years will be = Rs. 9,00,000

and if return is 15%, then compound return in 15 years = Rs. 24,22,773

Total value of Share market portfolio you have invested your ebooks royalty  in 15 years =  Rs. 33,22,773

Now, we are totalling 

Your total net worth at the end of 15 years = Rs. 93 Lakh +

Now, keep there next 5 years and your net worth at the end of 20th year = Rs. 1 Crore

Now withdraw and deposit it in your bank account and get interest of fd per month  = Rs. 58,000 pm 

If you use today plan, this will true in 2043