https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159215
Bro are you taking drugs or what 
Do you know money management???
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27 days left
IMPORTANT before stacking up mobile recharges - READ THIS - Opportunity cost analysis - MOBILE RECHANGE STACKING
Hello Dimers,
Wanted to spend some time for awareness, so please take time to read and lets debate in comments and FRY THE CONCEPT IN BRAIN to not FALL IN MARKETING GIMMIC OF TELECOS
I am starting to see everyone going on RECHARGE SPREE as ALL telecos started raising their pack rates
DONT DO THAT STACKING RECHAGES - MORE THAN ONCE - not efficient for MONEY MANGEMENT
Efficiency: only 1 time STACK is efficient MORE THAN THAT IS BAD FOR MONEY MANGEMENT (with respect to annual packs)
Why don't do? THIS IDIOTIC THING (no offence, using harsh words to heat up BRAIN)
1) your money is locked for more than 1 year (if you stack up for 2 year of annual recharge pack) (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)
2) because the pack may have different T&C , the telcos have all right to withdraw anything they promised even after recharges (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)
3) think about this, if you put that money extra 2 or 3 year annual recharge money in a good STOCK it will be hmmm around 30% up (taking 15% as ROI per year ) or even more:) if you are skilled IN INVESTING AND ESPEICALLY MONEY MANGEMENT AND TRACKING as recharge hike is only 20% (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)
4) so always get thing that you need for IMMEDIATE 1 YEAR MAX not more than that BECAUSE WORLD LAND SCAPE MAY CHANGE ANY WAY OR GO HAYWIRE or disruption of 5G and 6G may arrive or another deadly virus outbreak or telco going bankrupt xD (all this is not possible at this moment but anything can happen) world is unpredictable (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)
5) New cheaper and efficient packs may be born in near future (so do max stacking of 1 year NOT MORE THAN THAT for efficiency)
6) LOT MORE TO EXPLAIN BUT DONT WANNT TO MAKE YOU ALL SLEEPY and tired xD
- awareness content by DEEPANGEORGE
If you agree with things on money mangement, lets bring awareness TO THE LESS KNOWLEDGE ONES ON MONEY MANGEMENT (with opportunity cost analysis)
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https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159217
hehehe i guess I maybe lol (joke)
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https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159225
who will suggest stock? not everyone has the knowledge to pick a perfect stock which will endup in returns.
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159226
stocks is just one example, there is lot of avenues these days:) BOND MARKET, MF's .. etc
1) some good NCD's also gives 11% and
2) ELSS MF's also gives nearly 15% with SIP you dont need to watch news and keep track:)
3) ahhh lot more... hmm if you look you can find lot of avenues:P to get 15% approx ONLY IF YOU ARE INVESTOR
but all are risky for sure:) you have learn and put effort 
btw remember time is money:) so if you can spend time and allocate time to MONEY MANAGE and LEARN THINGS it will be good for FUTURE instead of working till death xDD hehehe just this is my view:P:)
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@DEEPANGEORGE bro if you have knowledge of stocks or mutual fund share 
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159229
First rule, never look for stock suggestion:) look for hot news and DECIDE yourself:)
then you can grow:) as well:) and make decisions
stock market works in favor for you, if you put your mind instead of copying strategy:) no offence:) just telling how it works:)
Side note: I dont mind sharing, BUT NOW I CAN'T AS ALL THE STOCKS ARE BALOONED AND INFLATED hahahahaha i seriously dont know where to put money lol xD
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https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159292
Here are my views on Stacking multiple yearly plans:
- Stacking recharges means we become locked into older plans. If a better plan becomes available in the future, we won't be able to switch to it because we're already committed to the older plan
- While the free unlimited 5G hasn't been discontinued yet, there's a possibility it may be removed in the future. If they introduce 5G-only plans at that point, we could find ourselves stuck on 4G plans
- If we want to change service providers for any reason (such as connectivity issues), we won't be able to do so because we've already invested in long-term plans with our current service provider
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159559
Nice points:)
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hahahahaha seems you did shared karma thankies for it xD
apart from you, seems some others also shared some karma, sadly i dont know who, how to find someone put karma without they giving their name 
now i am stuck unable to thank everyone
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https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159466
ifs and buts never work xD
PROBABILITIES IS NOT ASSURANCE:)
PROBABILITIES IS NOT ASSURANCE:)
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159325
I did till 2030 back in 2021, with some offers it costed me 1800 back then.
I think that even a big investor don't expect more than 20% cagr from stocks. Normally it is 12% if it's index.
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159357
Bhai jitna bhi paisa hai sab kuch invest hi nhi karna hota hai, and recharge max to max 3k ka hoga. I am not saying ki invest mat karo but itna deep sochne ki jarurat shayad thi nhi yaha pe 
han if someone is recharging for 5-10 years, then investing makes sense, otherwise kyu itni tension leni.. 20% to waise bhi mil hi rha h
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10161346
I agree:) True hassle free:)
hmm but if we invest that same amount in something else there is more chance of getting more than 20% hehe -> SIMPLE EXPLANATION OF OPPORTUNITY COST
hmm its called opportunity cost and hmm its risky for sure:) so based on your risk appetite decide
and nothing is guaranteed
1) this stacking is not guaranteed as 6G might come or some disaster might come and you feel bad (again just saying)
2) the investment in some assets is not guaranteed "as safe gold" and "unreliable stocks" might go haywire too
so based on risk appetite take your option:)
I am more into risky things:) so i suggested its better to invest than locking money more than a year into some service like phone bill which will lose value on long run, WHICH IS WHERE THE CONCEPT OF OPPORTUNITY COST COMES IN :)
research on opportunity cost and you will understand it:)
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159364
The money we generally use for recharge is idle money. No one invests 100% of their savings.
Don't attach everything to investing.
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159472
mhm it more about where the money stays:) KINDLY LOOK AT THE TOPIC OF OPPORTUNITY COST and you will understand what I mean,
hmm in money, idle means danger, even if stays in your account WHICH YOU CALL IDLE will give you 3% xD
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159376
Ideally you can stack for your lifetime
and may be for your children also.
The communication network is going to improve
and it may be possible to get in touch after your
death. It will be bargain to make extraterrestrial calls
at current 4G rates
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159473
T & C of Telecos will have a clause that they can change anything anytime:) so its not guaranteed this stacking is:)
some of reasons i mentioned some 5 or 6 points and TruthSeeker gave even more better answer:) which i missed to push in the original post:)
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159415
I think OP is the investor started investing after 2020 bull run and doesnt know how market works.
or is high on Weed😂
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159479
hahahaha i opened my first demat account around 2016 I think and kept it dormant till hmmmm 2019 i think and then entered and invested, then value in stocks become 50% down (VANISHED) during covid xD and then I LEARNED THE POWER OF AVERAGING xD
so if you have more money to generate and don't go back on logic which you implemented yourself, stock market is not that DANGEROUS AS YOU SAY xD
Hence to answer you , I got in stocks before covid xD
so i think I am on Weed xDD (joke)
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Long back when Jio was about to increase tariff in 2020 / 2021..
Recharged 3500 worth of vouchers and equal 3500 - invested in Crypto 😁
3500 turned into Rs.40000 😅😅😅
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159637
Which coin/token?
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https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10163174
Don't forget Voda
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10159907
Op is bad at math or high on weed.
Current jio unlimited 5g plan for 336 days costs 2454.
After new rules you gonna need to recharge with high value 2gb plans only. That plan will cost 859×4 = 3436.
So please stack up you plans as much as you can unless you can earn 1000 by investing 2500 🤣
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10160115
omgggg i am bad at math MY BAD
actually investing 2500 and taking 1000 is possible ITS NOT ROCKET SCIENCE
if you invested Rs. 2454 in airtel stock 1 year ago and with 65.56% growth rate it would have turned out to be 4093, turns out to be Rs. 1639 profit
WHICH IS more than +1000 hmmmmmm TO BE EXACT 1639
am i missing something? oh god i am drugged:) save me sanketpero
Side note: PAST PERFORMANCE IS NEVER AN INDICATOR FOR FUTURE PERFORMANCE
this is just illustration of possibility for educational purpose
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@DEEPANGEORGE
I have been thinking the same thing. Thanks for this topic. Kg+
But I have some differences in opinion.
• We shouldn't compared recharge que saving ( approx 20% ) with any investment which are heavily Market dependent, thus can also yield negative returns (especially in short term).
So Comparing with returns rates of Low risk/ No risk low return investments like Debt Mutual funds and FD would be more fair in this case.
In a quick google search I found best Debt mutual funds give 8-9% returns annually. And best FD gives about 7-8.7% interest annually.
We can consider 8% Annually compounding interest as somewhat average.
If you have recharged Annual plan recharges for next 3 years. Suppose cost is Rs. 2999 for each year.
Incase 1st recharge benefits starts immediately, then you have to consider only cost of next two queued Recharges, until 1st one's validity is over and second one starts. Then second one is over 3rd is activated.
You have to calculate investment period:
1st year recharge : 0 years
2nd year Recharge : 1 year
3rd Recharge: 2 years
Because you're supposed to pay the price of an annual recharge plan upfront anyway.
........
Let's calculate:
1) Second recharge, Rs.2999 , 8% compound interest in First year is 3238.92
2) Third recharge RS. 2999 , 8% compound interest for 1st year , Rs.3238.92/-
for second year, 3238.92 , 8% compound interest. Rs.3498.03/-
So Second Recharge Amount interest/ return: 239.92
Third Recharge return amount: 499.03
Total: Rs.738.95/-
..................
Total Amount investment in que 2999x2 = 5998
Interesting earned ( return) = 738.95 = 12.32%
In two years
.................X...........
Please tell me if you find any flaws in my calculations
@Jarvis.-. @sanketpero @dealchecker @Garyhost
I have been thinking the same thing. Thanks for this topic. Kg+
But I have some differences in opinion.
• We shouldn't compared recharge que saving ( approx 20% ) with any investment which are heavily Market dependent, thus can also yield negative returns (especially in short term).
So Comparing with returns rates of Low risk/ No risk low return investments like Debt Mutual funds and FD would be more fair in this case.
In a quick google search I found best Debt mutual funds give 8-9% returns annually. And best FD gives about 7-8.7% interest annually.
We can consider 8% Annually compounding interest as somewhat average.
If you have recharged Annual plan recharges for next 3 years. Suppose cost is Rs. 2999 for each year.
Incase 1st recharge benefits starts immediately, then you have to consider only cost of next two queued Recharges, until 1st one's validity is over and second one starts. Then second one is over 3rd is activated.
You have to calculate investment period:
1st year recharge : 0 years
2nd year Recharge : 1 year
3rd Recharge: 2 years
Because you're supposed to pay the price of an annual recharge plan upfront anyway.
........
Let's calculate:
1) Second recharge, Rs.2999 , 8% compound interest in First year is 3238.92
2) Third recharge RS. 2999 , 8% compound interest for 1st year , Rs.3238.92/-
for second year, 3238.92 , 8% compound interest. Rs.3498.03/-
So Second Recharge Amount interest/ return: 239.92
Third Recharge return amount: 499.03
Total: Rs.738.95/-
..................
Total Amount investment in que 2999x2 = 5998
Interesting earned ( return) = 738.95 = 12.32%
In two years
.................X...........
Please tell me if you find any flaws in my calculations
@Jarvis.-. @sanketpero @dealchecker @Garyhost
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10160823
Thanks for the KG's that greatly helps me out hehehe
I see you done some detailed calculations hmm but lets keep it simple:) if you go this deep we need excel sheet xDDDD to calculate
and we wont follow deep calculation:) because investment should be easy to calculate:) or else we will feel hazzle and ditch it before we even start it:) SO THE SUCCESS OF INVESTMENT RULE IS KEEP IT SIMPLE STUPID (KISS LOGIC -> no offense its logic name) so let me explain my another view of investment:)
before that BTW let me clarify one thing, I MEANT INVESTMENT IN ANYTHING one is comfortable with like real estate, or debt bonds, or MFs including ELSS , index.. etc or Gold or P2P lending or rotating money or .... lots of avenues to invest butt everything has certain amount of risk, EVEN FD HAS CERTAIN RISK after all DICGC insurance will NOT COVER above 5 lakhs of FD amount including interest:)
To become a successful investor one has to first learn NOTHING IS SAFE:)
my main goal as a small investor is I am okay to invest in anything by diversifying and mitigating the risk as low as possible AND YET SHOULD YEILD 15% MINIMUM that was my main goal as investment (my intention is investment is the goal, not stock market)
SO THIS POST IS ABOUT TO replace this DUMB STACKING EVERYONE IS GOING FRENZY ON without understanding what is opportunity cost:) of locking money for more than 1 year
Well i was putting that STOCK MARKET AS EXAMPLE to prove its possible to make more than what we stack:) but ya i get you for risk averse investors ITS NOT WISE CHOICE so for risk averse investors let me bring in THE ALL TIME POWER OF CURRENCY -> MR. GOLD the savior
one year ago the gold price is Rs. 4800 approx and now its approximately Rs.5800. which is approximately 20.83% growth THIS EVEN BEATS FD AT THIS MOMENT OF TIME:) but time changes NOTHING IS SAFE:)
So being investor I never got scared of anything because I juggle things between every risk and mitigate it based on TIME:) we can't time market but WE CAN TIME OUR PLANS AND INVEST:)
Side note: your calculation is good:) it would have been better if you can put it in a tabulation:)
Side note 2: I invest in EVERY POSSIBLE ASSET I FIND:) not only stock market xDDDD , gold to FD to stocks i use everything as investment:)
Total_Fun
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10160799
Bro is suggesting to ditch uncertainty by investing in stocks 
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10160874
mhm my idea is invest in anything , just dont lock money
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10161043
After their tariff announcements, bought CE of both stocks and earned recharge amount for full year for all connections in my home. 😝
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10164860
Buy Vodafone. Next Target - 22
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are ye sub ambani ki shaadi ke liye fundraiser hai , people will buy more for stacking and they will make it again normal
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10163877
Nice bro
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10165420
1) The reason is "for efficiency"?
2) Withdrawing promised things after recharge looks like illegal.
3) No guaranteed returns in stocks. It could go down too. Better compare will fd. Anyway, select that stock. Let's watch if it will go 30% up in 2 years for fun.
4) 1 or 2 years, it's subjective. You think widespread 6g will arrive in 2 years. Don't think so. Bankruptcy chance goes like vi>Airtel>jio.
5) Telecoms are trying to increase arpu. Major plans are highly unlikely to get cheaper in the next 2 years.
My own take would be to recharge for 2 years. By the end of the third, they won't be cheaper because of inflation. Price hikes have been happening in line with inflation/fd rates. In 3 years, fd @ 7/8% would be around 24% compounded. Also consider your chance of changing the operator.
https://www.desidime.com/discussions/important-before-stacking-up-mobile-recharges-read-this-opportunity-cost-analysis-mobile-rechange-stacking?page=1#post_10167287
I agree with OP somewhat.
The 2545 recharge gives 336 days @ 1.5GB/day.
If we convert the cost of this to per day, it comes down to 2545/336 = ₹7.57
As I previously mentioned in one post, most of the dimers have multiple Rupay Platinum Debit Card. This 1.5GB plan will be available @ 699 (799-699 rupay card offer after tariff hike).
The cost per day comes to 699/84 = ₹8.32
The difference is only ₹0.75/day or ₹274 annually. If we would have kept this in bank as FD, the interest would have been minimum ₹175, hence making the difference a paltry ₹100/year.
Few people are stacking this up for years 😦
Am I missing something here? What if we were to change operator or anything else? That ₹100/year savings would prevent us.
I agree that maybe recharging now would give us unlimited 5G but everyone doesn't need that amount of data.
What are your opinions? Am I missing something here?
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I did till 2030 back in 2021, with some offers it costed me 1800 back then.
I think that even a big investor don't expect more than 20% cagr from stocks. Normally it is 12% if it's index.
Long back when Jio was about to increase tariff in 2020 / 2021..
Recharged 3500 worth of vouchers and equal 3500 - invested in Crypto 😁
3500 turned into Rs.40000 😅😅😅
Buy Airtel stock