The advice provided to Mr.Zafar by the writer is totally wrong. Mr.Zafar should realise the PV(Present Value) of Rs.40 Lakhs after 20 years is very less(one needs to take inflation into consideration). The best investments are realised from Landed Property . Mr.Zafar should plan to have Rs.2.0 crore after 20 years(or PV Rs.40 Lakhs) and plan options , otherwise he may face disappointment
