1 / 6In today’s growing economic crisis, options for saving and getting good returns on investment are becoming less and less. There is a need to think a lot before investing, because investment is not safe everywhere.2 / 6 But there are some savings schemes of the post office, which guarantee a good return on investment. Investment in post office savings schemes is 100 percent secured. A similar scheme of the post office, in which if a husband and wife joint account is opened, the income can be doubled.3 / 6This post office scheme is called 'Monthly Income Scheme'. The scheme will provide an opportunity to earn every month. Accounts can be opened by post in the monthly income plan either individually or jointly. If you want to open a personal account in this scheme, you can invest a minimum of Rs.1000 to a maximum of Rs.4.5 lakhs. A maximum of Rs 9 lakh can be deposited in a joint account.4 / 6Apart from this, the scheme will be very beneficial for retired employees and senior citizens. The plan gives you an annual interest of 6.6 per cent. Under this scheme, the return will be calculated according to the annual interest on your total deposit.5 / 6If you open a joint account in this scheme, you can get double benefit of this scheme, i.e. a couple has opened a joint account in this scheme and invested 9 lakh of rupees in it. They can get a return of Rs 59,400 on a deposit of Rs 9 lakh at 6.6 per cent interest. This means they will get Rs 4950 per month. If you want, you can extend the investment period for another 5 years after 5 years.6 / 6The good thing about a monthly income plan is that two or three people can open a joint account in this plan. In exchange for this joint account, each member of the account is given the same income. In addition, if you don't want to continue this joint account, you can convert it into a personal account. Also personal account can be converted to joint account. If you want to change the account, you have to submit a joint application of all the members.