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sometime last month Deepak Chennai of capital mine dropped this inquisitive tweet it was about this platform called the 12 club and as it happened so frequently on Twitter there were a lot of reactions in fact Sohail Samir from bharatpay joined the conversation but you know what I was interested in that 12 part I mean Deepak also has this chapter titled suckered in his book but 12 I dont mind getting suckered and therefore I prepared a list of five different alternative investment products that offer pre-tax returns ranging from 11 to 20 percent interestingly none of these products are linked to the stock market and are being positioned more as a viable alternative to fixed income products like a corporate bond or a bank fixed deposit now because I havent invested in any of these five products I gathered information about them from a neutral outsiders perspective and while I was researching this video the only question I was trying to answer in my head was will I have this product i