If you deposit 5 lakhs in the bank today, after 5 years the real value of that money will be equal to 2 to 3 lakhs. Yes, your money will look the same in numbers as 5 lakhs. But after 10 years, you will not be able to buy even half of the things that you could buy with that money. So today we will talk about 5 small businesses where if you invest money, your money will increase 2 to 3 times and you can put that money to good use.
How to increase money slowly?
- 1/ Do you want your hard-earned money to slowly disappear? We have been hearing since childhood that if you want to save money, keep it in the bank, then only the money will be safe. This line has entered our heads in such a way that we do not think that there is no place to keep money except the bank. But there are three big problems here: one is inflation. The money that can buy one kilogram of rice today may not be able to buy even half a kilogram of rice after 10 years. Because the price of everything in the market is increasing, but the money in your bank is not increasing.
- 2/ Low interest rate. The bank gives you 7 to 8 percent profit every year. But if inflation is 8 to 10 percent, then you are losing 2 to 3 percent every year.
- 3/ Risk of waste. We often spend money knowing that we have money in the bank. Because it is easy to get and we think we have it, we don’t spend it.
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For example: A story of a person named Sadiqul. He deposited 5 lakh taka in the bank in 2025. He thought that he would buy a place in the future with this money. After 15 years, in 3040, he went to the land and saw that the price of the land which was 5 lakh taka earlier has now become 25 lakh taka. But the 5 lakh he deposited in the bank has become 10 lakh taka due to interest. That is, he has lost the opportunity to buy land forever. This is the terrible reality of keeping money in the bank.
Where would it be better to invest money?
Now the truth is that if you keep money in the bank, it will remain dormant. But if you invest money, it will become a 24-hour employee for you that will work for you, earn money, and make you rich.
1. Invest in yourself.
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Invest in skills: There is no benefit in keeping money in the bank. Rather, invest in your skills. Because skills are an asset that will never decrease due to inflation. Rather, it increases over time. For example, a typical graphic designer earns 20,000 taka per month. But if he learns UI, UA design or brand designing, then his income will be 1 lakh taka plus per month. So one thing is clear here, you should invest money in your skills. Instead of keeping the money lying dormant, put it in a place that will increase your income.
2. You create online assets
The most valuable asset in 2025 is digital assets. For example
- A YouTube channel
- Blog or website
- E-commerce store
- Online store
Such stores will act as the biggest asset in the world today. Let me give you an example. If you start a YouTube channel with one lakh taka, for example, you buy a camera, a mic, an editing PC, within a year it can be a very good career for you. If you really love the work and give the right focus, then it is possible. But if you keep this one lakh taka in the bank, then it will bring you an extra five to six thousand taka per year.
3. Invest smart
- You can buy and hold the stock market, mutual funds, bonds, gold.
This type of investment. Look at the bank savings account is safe but lazy. Stock market or mutual fund is risky but productive. It increases your money. Also if you buy gold. Think about it, many of you may have bought gold at that time in 2015. What was the price of gold at that time and how much is it now. But at that time, you could buy as much food with 100 taka, now you will need 200 taka to buy that food. That means your 100 taka food has become 200 taka. But the price of gold has doubled. So gold is a safe
4. Invest in small businesses
There is no point in keeping money in the bank. Instead, start a small business. For example:
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- Online clothing brand.
- Food delivery service.
- You can offer drop shipping.
- You can do reselling business.
- You can offer small coffee shop.
- You can offer small children’s dress shop.
- You can offer a sunglasses shop.
- You can offer a small fast food shop.
Start a small business alongside whatever job you do. If you can start a small business, then your money will keep coming in.
- Example: Let me give you an example. A person named Qutub started an online T-shirt business with 50,000 taka. Today his monthly income has crossed 1 lakh taka. If he had kept this same money in the bank, he could have earned only 3000 taka or 4000 taka per year. But look, he started a T-shirt business with that 500 taka. So small businesses can sometimes work very powerfully. So definitely focus on small businesses.
5. Separate emergency fund plus investment fund
Of course, you should keep some money in the bank. But that should be as a very emergency fund. For example, you can get sick at any time. Your family may have some problem. You should keep that fund in your bank. Along with that, you should keep money in another place.
You should keep three to six months of your family expenses in the bank. Because you never know when another danger will come, when your job or business will suffer. So you must keep your family expenses in the bank for three to six months, and then you will invest the remaining money.
You invest in your skills, you buy assets, you start a new small business, whatever you do, you must invest. So you have to have these two types of funds, one is an emergency fund, the other is an investment fund. Now I leave you with a question. If you want to withdraw money from the bank today and invest, which one should you do?
Will you invest in your own skills, online assets, start a small business, buy gold, or buy land or a house? Which one should you do, please comment and let us know.