Investment Plans

Investment Plans explained and compared

Feature	Starter Plan	Growth Plan	Elite Plan
Investment Range	Rs. 1,000 – Rs. 19,999	Rs. 20,000 – Rs. 49,999	Rs. 50,000 – Rs. 100,000
Profit Rate	11.0%	16.0%	25.0%
Lock-in Period	2 month	3 months	6 months
Risk Level	Medium	Low	Profits Guaranteed *
Ideal For	New investors and low-risk takers	Investors seeking higher returns with moderate commitment	Investors looking for long-term, high-profit opportunities
Early Withdrawal	Not allowed	Allowed with penalties	Allowed with penalties

Understanding the Investment Plans

Our investment plans are designed to cater to different types of investors, from cautious beginners to those seeking higher returns in a short timeframe. Each plan has a structured lock-in period to ensure sustainable profit generation.

Short-Term Plan (2 Month) – Ideal for Beginners

If you’re new to investing and want to test the waters, this plan is the perfect starting point. With a low minimum investment and a quick one-month cycle, you can earn steady profits without a long commitment.

• Investment Range: Rs. 1,000 – Rs. 19,999
• Profit Rate: 11.0%
• Lock-in Period: 2 Month

Medium-Term Plans (3 – 6 Months) – Balanced Growth & Stability

These plans are designed for investors who are willing to stay invested a little longer for significantly higher profits. With a reasonable lock-in period, they strike a balance between short-term flexibility and strong returns.

• Growth Plan – A great choice for those seeking a step up from the Starter Plan.
  • Investment Range: Rs. 20,000 – Rs. 49,999
  • Profit Rate: 16.0%
  • Lock-in Period: 3 Months
• Elite Plan – Tailored for serious investors who want to maximize profits with a slightly longer lock-in period.
  • Investment Range: Rs. 50,000 – Rs. 100,000
  • Profit Rate: 25.0%
  • Lock-in Period: 6 Months

Understanding the Profits

At 14Wealth, profits are calculated on a monthly basis but distributed weekly to ensure regular cash flow. Each plan has a fixed monthly profit, which is distributed weekly. The weekly profit percentage is calculated as follows:

Elite: 6.25% per week (25% ÷ 4 weeks)

Starter: 2.75% per week (11% ÷ 4 weeks)

Growth: 4% per week (16% ÷ 4 weeks)

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Investment Plans & Weekly Profit Distribution

Plan	Investment Range (Rs.)	Total Monthly Profit	Weekly Profit Rate (Paid 4 times per month)
Starter	1,000 – 19,999	11%	2.75% per week
Growth	20,000 – 49,999	16%	4% per week
Elite	50,000 – 100,000	25%	6.25% per week

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Example Profit Calculations

Starter Plan (Investment: Rs. 10,000)

• Total Monthly Profit: Rs. 1,100 (11% of Rs. 10,000)
• Weekly Payouts: Rs. 275 per week (2.75% of Rs. 10,000)
• Profit Breakdown:
  • Week 1: Rs. 275
  • Week 2: Rs. 275
  • Week 3: Rs. 275
  • Week 4: Rs. 275
  • Total Monthly Earnings: Rs. 1,100

📌 Example Scenario: If you invest Rs. 15,000 in the Starter Plan, your total monthly profit will be Rs. 1,650 (11% of Rs. 15,000), and you will receive Rs. 412.50 every week (2.75% of Rs. 15,000).

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Growth Plan (Investment: Rs. 25,000)

• Total Monthly Profit: Rs. 4,000 (16% of Rs. 25,000)
• Weekly Payouts: Rs. 1,000 per week (4% of Rs. 25,000)
• Profit Breakdown:
  • Week 1: Rs. 1,000
  • Week 2: Rs. 1,000
  • Week 3: Rs. 1,000
  • Week 4: Rs. 1,000
  • Total Monthly Earnings: Rs. 4,000

📌 Example Scenario: If you invest Rs. 40,000 in the Growth Plan, your total monthly profit will be Rs. 6,400 (16% of Rs. 40,000), and you will receive Rs. 1,600 every week (4% of Rs. 40,000).

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Elite Plan (Investment: Rs. 50,000)

• Total Monthly Profit: Rs. 12,500 (25% of Rs. 50,000)
• Weekly Payouts: Rs. 3,125 per week (6.25% of Rs. 50,000)
• Profit Breakdown:
  • Week 1: Rs. 3,125
  • Week 2: Rs. 3,125
  • Week 3: Rs. 3,125
  • Week 4: Rs. 3,125
  • Total Monthly Earnings: Rs. 12,500

📌 Example Scenario: If you invest Rs. 80,000 in the Elite Plan, your total monthly profit will be Rs. 20,000 (25% of Rs. 80,000), and you will receive Rs. 5,000 every week (6.25% of Rs. 80,000).

This system ensures consistent earnings, flexibility, and the ability to reinvest profits weekly, making it easy for investors to manage their cash flow and maximize growth.

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Understanding the lock-in periods

The lock-in period ensures that your investment has enough time to generate stable and sustainable profits. This structure allows us to manage risk effectively while offering competitive returns.

Whether you’re looking for a short-term trial or a slightly longer commitment with better profits, there’s a plan for everyone.

Early Withdrawal Penalties (EWP)

Here’s a structured table explaining the early withdrawal penalties for each investment plan:

Feature	Starter Plan	Growth Plan	Elite Plan
Lock-in Period	2 month	3 months	6 months
Minimum Holding Period	15 days	30 days	60 days
Penalty if Withdrawn Before 50% of Lock-in Period	20% of principal, no profit	30% of principal, no profit	50% of principal, no profit
Penalty if Withdrawn After 50% of Lock-in Period	10% of principal, reduced profit	15% of principal, reduced profit	25% of principal, reduced profit
Profit Eligibility on Early Withdrawal	No profit if withdrawn before 50% of the lock-in period	No profit if withdrawn before 50% of the lock-in period	No profit if withdrawn before 50% of the lock-in period

Explanation:

• Investors must hold funds for at least the minimum holding period before requesting early withdrawal.
• If they withdraw before completing the lock-in period, they lose all profit and a penalty is deducted from the principal.
• If they withdraw after completing 50% after completing 50% of lock-in period, they receive full profit with a small penalty.

This structure ensures financial stability while still offering flexibility.