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We know that total amount in the case of compound interest can be calculated by the formula as follows:

Amount = $P{(1 + \dfrac{r}{{100 \times n}})^{n \times t}}$

Where P is Principal Amount

n= No. of instalments in one year

t= Total number of years.

r = rate of interest.

For case-1:

r= 10

n=2

t=2

So, substituting these values in above formula, we get,

\[

Amount = 100000 \times {(1 + \dfrac{{10}}{{100 \times 1}})^2} \\

\Rightarrow Amount = 100000 \times \dfrac{{11}}{{10}} \times \dfrac{{11}}{{10}} \\

\Rightarrow Amount = 121000 \\

\]

For case-2:

r= 10

n=1

t=2

So, substituting these values in above formula, we get,

\[

Amount = 100000 \times {(1 + \dfrac{{10}}{{100 \times 2}})^{2 \times 2}} \\

\Rightarrow Amount = 100000 \times {(\dfrac{{21}}{{20}})^4} \\

\Rightarrow Amount = 100000 \times \dfrac{{21}}{{20}} \times \dfrac{{21}}{{20}} \times \dfrac{{21}}{{20}} \times \dfrac{{21}}{{20}} \\

\Rightarrow Amount = 121550.625 \\

\]

It is clear that the amount in case-2 is more than that of in case-1.

Therefore the second schedule is a better scheme.

Investing is to ensure our present as well as future through long-term financial security. The money which one can generate from the investments will definitely provide financial security and income. There are many ways for investments such as stocks, bonds, FDs, and ETFs etc.