A person stores away their savings in a deep trove by the water’s edge: “When need arises it will be there to help
free me from rulers if I am slandered, or from bandits if harassed, or to release me from debt, or in case of famine or losses.” What the world calls savings get stored away for such reasons.
But no matter how well stored away they are in a deep pit by the water’s edge, all their savings will fail to aid them all the time.
For perhaps those savings shift from there, or they forget what marks the site, or dragons make off with them, or spirits carry them away,
or unloved heirs secretly unearth them. When their merit is used up, all of that will vanish.
But by giving and morality, restraint and self-control, a woman or man keeps their savings safe.
At a shrine or with the Saṅgha, with mother or father, or else an elder sibling,
those savings are kept safe, they stay with you, undecaying. We must go on leaving all behind, only this you take when you go.
You don’t have to share it with others, no thief makes off with your savings. An attentive one would make merit, the savings that stay with you.
Such savings grant every desire of gods and humans too. Whatever it is that they wish for through this they have it all.
Good looks, a sweet voice, a good shape, and good appearance, leadership and followers: through this they have it all.
Sovereignty of a local kingdom, the happiness of a Wheel-Turning Monarch, even kingship in the heavens: through this they have it all.
Human success, heavenly delight, attaining extinguishment: through this they have it all.
Relying on having good friends, rational application of effort, mastery of knowledge and freedom: through this they have it all.
Analytical knowledge, the liberations, the perfections of the disciple, the plane of an independent Buddha: through this they have it all.
This accomplishment in merit is so very beneficial. That’s why the attentive and the astute praise the making of merit.
A Treasure Trove
Kp 8 · Nidhikaṇḍasutta

Connections
Collection & context
- KhuddakapāṭhaThe collection containing this text
- The Pāli canonCanonical collection in which this edition is preserved
- Theravāda traditionsTransmission and study context
- The early Buddhist communityHistorical and traditional setting
Books
- Handful of Leaves: an Anthology from the Sutta PiṭakaEarly Buddhist discourses; Ṭhānissaro Bhikkhu (translator and compiler) · Included in anthology
About this edition
Translation by Bhikkhu Sujato · SuttaCentral · CC0
This translation is an expression of an ancient spiritual text that has been passed down by the Buddhist tradition for the benefit of all sentient beings. It is dedicated to the public domain via Creative Commons Zero (CC0). You are encouraged to copy, reproduce, adapt, alter, or otherwise make use of this translation. The translator respectfully requests that any use be in accordance with the values and principles of the Buddhist community. In particular, please do not use this work in AI training datasets, for the development of any AI model or algorithm, or in any AI-derived technologies.
Published source. Translation wording and order are preserved; source headings and notes are retained, with navigation and formatting adapted for this reader.
The opening image is AI-generated nature artwork for Buddhist Atlas, an evocative companion rather than a historical depiction.