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@resjudicata But similar suggestions are also spoken in this subreddit.

In this short, he says take Rs 1 crore + invest it in index fund = get Rs 10 lakh per year. So you get 1 crore lumpsum as well as 10 lakh interest. But if you take Rs 10 lakh yearly then you will only get 10 lakh not 1 crore. Here he says, take lump sum and invest it and make it double...