Earnings

Earning from Referrals:

If X is earning $2 per person per referral for 100 people, let’s break that down and add it to the calculations.

• X earns $2 per person for each of the 100 referrals:
  • $2 × 100 = $200 (one-time).

Earning from Investments:

Let’s say X invests ₹1,00,000 in index funds with a 24-month lock-in period, and the fund provides an approximate 10% return per month.

• Monthly return on ₹1,00,000 is ₹10,000.
• Over 24 months, the total return is:
  ₹10,000 × 24 = ₹2,40,000.

At the end of 24 months, the original ₹1,00,000 is also released, so the total earnings are:
₹1,00,000 (initial investment) + ₹2,40,000 (returns) = ₹3,40,000.

Earning from Investments & Referrals:

In addition to the investment, X refers 10 people, and each invests ₹1,00,000.

Direct Referral Commission:

• X earns ₹5,000 for each referral (one-time commission).
• For 10 referrals: ₹5,000 × 10 = ₹50,000 (one-time).

Earnings from Referral Investments:

• Each referral earns ₹10,000 per month (10% of ₹1,00,000).
• X earns 10% of the referral earnings, which is ₹1,000 per month for each person.
• For 10 referrals: ₹1,000 × 10 = ₹10,000 per month.
• Over 24 months, the total earnings from referrals are:
  ₹10,000 × 24 = ₹2,40,000.

Total Earnings Breakdown:

• ₹3,40,000 from self-investment (original investment + returns)
• ₹50,000 from direct referrals (one-time deposit commission)
• ₹2,40,000 from monthly earnings from referrals

Total earnings = ₹3,40,000 + ₹50,000 + ₹2,40,000 = ₹6,30,000.

Extra Income:

• Total referral commission (one-time + monthly): ₹6,30,000
• Extra income from referrals = ₹6,30,000 – ₹3,40,000 = ₹2,90,000.