The 5th Day Rule: The Simple Trick to Boost Your PPF Returns.
Автор: Rajaram Babu
Загружено: 2026-02-05
Просмотров: 1333
Описание:
PPF as a popular option: Public Provident Fund (PPF) is widely considered one of the best long-term investments due to its interest rates and tax benefits.
Interest calculation rule: The government calculates interest based on the lowest balance between the 5th and the last day of each month.
Critical timing factor:
Deposits made on or before the 5th of the month earn interest for that month.
Deposits made on or after the 6th do not earn interest for that month.
Simple trick for extra interest:
Always deposit contributions on the 1st of each month (or at least before the 5th).
This ensures the investment earns interest for all 12 months in a year.
Impact over time:
A delay of even one day (depositing on the 6th) results in losing one month’s interest.
Over 15 years, this small difference can significantly reduce the maturity amount.
In short: Investing before the 5th of every month guarantees an extra month’s interest each year, compounding into a substantial gain over the long term.
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