10 Points To Focus To Create Financial Success - Age Group 35 To 45
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- เผยแพร่เมื่อ 13 พ.ค. 2024
- #nri #nrimoneyclinic #financialplanning
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Great video, trading come with a lot of benefits And I have just bought my first house through it. As a beginner I was scared of loosing my savings but I’m glad I took the bold step that is now favoring me.
Congratulations.
I will love to be your friend dear as well as sharing some i dears which you're benefiting.
Okay but is not luck, is all about having good investment plans most of all trading with a trust worthy expert.
Watching professional trading videos and most especially connecting with the right person the digital world is full of in unreal people I met some of them during my success journey. I felt same way when I started especially when you use demo account you might be winning but when you put in real money you start losing I understand and I pass through it all. I’m very happy I’m profitable now.
Hey how good are your earnings I will like to get some insights into trading thank you.
Currently i can attest to the fact that I
make $18,300 weekly through trading
which is more better then my monthly salary job. Trading becomes my passive
income.
🕉️🙏 Gurujii; aapke charnon ko kooti kooti pranaam.
Great suggestions. Couple of things to add :
i) Health Insurance - This is really important, as a health emergency can really dent into your savings. Don't rely on corporate health insurance (only) - get a personal health insurance for yourself and family (including parents if possible)
ii) Prepare a will - Just to make sure your dependents do not have to run around and get hassled in case of your untimely demise. In case of conflicts within the family, that is even more important.
Great points. Both of those.
Health insurance is a very big gamble in India. You may end up paying lakhs of rupees just to find out that insurer isn't ready to pay at the time of crisis.
Very Nice personal Finance video. One more very important point, focus on paying off debts as early as possible. I am 36, and became debt free last month only
I really appreciate sir for sharing valuable information. definitely ill be following steps to get better with my finances.
1) Review the Last 10 Years of life
2) No excuse for savings and it is a must now
3) Hire a financial planner
4) Human Life Value (HLV) Term Insurance
5) Regularly visit Emergency Funds situation
6) Build the Retirement Corpus
7) Increase your earnings
8) Second Income earnings
9) Children's Education corpus
10) Buy a Home instead of renting
Thank u
Is the 10th one correct?
thanks a lot sir 🙏 😊
Fantastic, very much helpful points covered. I wish I could have got these points long back.
On the path to implement some of these.
Thank you very much Sir🙏😇
This is a very elaborated way of planning.
Thank you so much sir.
Don't be deceived by a retirement age of 60 years. In the private sector it is 50 years or less. IT employees should think about retirement by 45. Beyond 45 years bonus. Plan accordingly.
Well said
Right
💯 agree.. inflation and high taxes add to the challenge
By 45 we wont have enough ctc bro. How can we retire so early?
@@sunmoon144 you can't retire if you think after 40 years. Someone need to plan ahead and execute it. It requires dedication and effort and planning. When someone between 30-35 years can plan. Learn upskill(Own domain and finance domain ) and improve your income, buy insurance, gold, invest in MF, Stocks and buy land. Spend 30-40% your income. Keep expenditure in check. There is no free lunch which phase of life you want to enjoy and priorities there is no free lunch.
Thanks a lot Dr Bhat for this wonderful message.
What a clear and concise video with no beating around the bush. Every facet of a guy in early 30s covered. Kudos Sir.
What an honest advice ..
not trying to sell “stuff” ..
Thank you for education/Advice!
For a common person. This looks very interesting but focus must be on priority
Great to listen you sir we will use this 10 ka dam
Very very practical and reality guidance. Thanks Sir for helping us
You are correct, i am learning financial planning myself and starting only flat fee financial planning next year. I am myself very secure so its only purpose is be a financial coach
No selling of mfs.thats conflict of interest.
Crisp and clear! Very very informative Mr. Bhat sir!
Very helpful and practical framework.
Thank you for the video, I really appreciate your advice and will try to implement possible aspects.
Buy or rent a house is debatable & complicated subject as one important aspect is if u buy apart from rent ur property rates also increases
Excellent video Sir...Thank you so much
Im 47 and still working. It depends on individual circumstances too. But yes, for me it was between 30-40. After 40, it becomes challenging due to midlife.
1 Review of Last 10Yeare of life.
2 Savings is a must now.
3 Appoint a financial planner
4 Insurence.
5 Emergency Funds
6 Retirement Corpus.
7 Increase your income.
8 Second Income
9 Children Education planning.
10 Home buying.
Thank you!
Add time stamps for each point
Thank you ❤
Sir,please create a Hindi show.
My self kanagaraj Chellasamy from tamilnadu working in Qatar. You are made great points for earning as well as savings
Appreciate your advice... thanks
Very Informative !! Thanks Sir!!
Rule No.1 keep your money near you even if the return is low.
Do NOT invest in real estate India. Very difficult to manage.
I am keep watching your videos since 15 months
Your financial advises are very practical, useful. Thanks
Will it be better to close the home loan early by depositing additional money in home loan account or invest this extra money in any other options such as MF, NPS, EPF etc?
Invest in mf
Very inspiring video for us... thanks for sharing such valuable information without charges.
Dear Sir, Your presentation was excellent. Thank you very much. I am in confuse whether I have to buy a plot or not. My doubt was cleared.
Beautiful message thanks sir
Loved the cricket analogy sir, a set batsman and not to throw the wicket with silly mistakes:)
Quality content video, Thank you sir
Reviewing the past which leads to success in next 10 years.
Equity is the only way to create the exponential wealth....... These financial planners never make anyone rich 😊
Hello there. I went through your video. Infact many of these points lucky I have implied in life with the help of family.
The biggest challenge what I am facing here is, that I am a drop out from pre-college, did a few jobs for about 10 yrs. From last 3 n half years I am into stock market investment , a little bit of trading , Gold investments and a pinch into crypto(because of lack of clarity) amd some property rental incomes.
Being uneducated is such a huge barrier for me. 😢. Its not something I regret. But yeah making that second income(one of the points which you mentioned) looks entirely blank to me.
Hope u can give some sort of advice on this issue.
There are videos to guide you on this channel. We will soon release one another video on fixed income . Thank you for suggesting
@@NRIMoneyClinic Alright. Will look forward to it. Ty.
Great content indeed. Thanx for sharing and putting it so beautifully
Can you please provide the link on your emergency fund build video ? I could not find.
Nothing glamourous but truth and facts stated very well. Start investing when you are in your early 30s , even if it is 5k per month . Invest in VPF even if it is 2-3 k more as you cannot withdraw it and later the power of compounding will increase your fund multifold
Thank you so much sir for the wonderful insights! Very very helpful sir ! 👍
Và A
Great points. Thanks a lot sir
What is tha % on amount 18:31 ? That we need to invest /saving of My incomes amount.? Awating your advices pls.
I think the number one topic should be "your health". Rest of the points should be followed after that.
That's for losers
Great advice.. thank you so very much sir
Hi am an NRI working in dubai. I have mutual fund sips and currently am sending the money from my dxb account to india for these sips. Am planning to divert my fd interests in nre account to meet my monthly sip payments instead of converting monthly aed to inr. I need your genuine opinion pls.
Now we are in age bracket of 45 to 55 with some saving plans...will need video for next 20 years .
Though few points in this video are relevant and very useful👍
There is an exclusive video for age group 45 to 55 on this channel. Please watch and be guided
But sir wat if the person struggled all the way and got married at 34
Due to COVID and other challenges if the person has lost job
Struggled all the way from the debt
How these kind of people can plan
Most of the people who are earning low salary , lost job, married at 35 and no future opportunities
Very informative video thank you so much sir 🙏🙏
Thank you sir .
Very helpful sir
Am 35 and am going to plan accordingly
I'm planning to take help from financial advisors but many of my friends are saying that most FPs will suggest investment options to earn more commissions & mislead, I'm confused 🤔, someone pls suggest a reliable FP.
You should try Mr Bhaben ,The art of wealth building.
10 point finacial advices:
1. see my video link in the description
2. See my another video
3. See my another video
...
10. See my another video😂😂😂
Anyway, thanks for all the good advices and the video links👍️
thank you sir
valuable advices
love the tips from nepal.
❤❤❤ Thanks very much
Can NRIs have retirement plan in India? They work abroad.
Can you please make a video covering Tax on foreign income when NRI returning to India.
1. Many NRI’s have investment in US stocks and are not clear about tax implications on US capital gain after retuning to India.
2. Once we go back do we need to pay tax for every gain in US market? Or only when we remit the gain to India?
Sir VERY NICE VIDEO...BUT HINDI ME EK VIDEO BANAO
how much money u are making in a year and what are your investments
What is the purpose of asking this question ? How does it impact you ?
@@NRIMoneyClinic just a curiosity and your advising people so how much you have investment...
Sir new ho 2000 sip kiss fund m karu 10 saal k leye risk kam ho
Thank you sir. Every point is spot on. Banni Sirsi ge ondu awareness session madona.
Always welcome
Everybody speaks on building second income. But how ? Where to get the guidance. I am myself struggling with career for last 3 yrs. Don't know whom to approach. More than financial guidance I think in this age we need more career guidance. People say work after office, but we hardly get time post office. Also these ages we are also asked to work on weekends. Creating a second income is the must. As we really lack on that.
I think it's having a business besides your job.
You are absolutely correct .. All the points are very relevant ..!!
Very useful video sir,thanks a lot
This is only for mega cities like mumbai and chennai and banglore ...rest of the people can buy home instead of renting
Saving, stock, cripto and ppf now I am 39+
You really have a great content. But, when I approached your team through whatapp I do not think they are helpful. Straight away they mentioned about investing of 50 k monthly SIP Or lump sum , without understanding your current circumstances.
They work with certain threshold to make things viable .. they will take views based on your best interest
Great help 🙏
Great suggestions sir.
Really interested to know.
If someone package is 10 lack today and expeces are 50 thousand per month He has 2 crore worth land and own house how this will change pls explain
very well guidance sir, regards.
Hindi version not available
Sir Hindi language please
Great video! I'm so happy I made the best decisions by having a good investment, Recently I was able to acquire my third house even at my age and I believe if things keep going well I'll retire early.
That's nice but how did you manage to achieve all that with the current economy, I'm desperately looking for ways to clear my debts and also achieve my goals.
Very Useful Sir 🙏
To be precise , your earnings or salary should grow atleast by 3 times. 4 times growth is very much possible.
I never keep emergency fund because me and my wife earn 5laks per month and we invest 90%of income in p2p lending ....so we make house worth of 2coror in 5years...
I have purchased apartment in 2021 for 42 lacs now its rental is 2.4 lacs per annum through value increases to 72 lacs, so rental yield is 5% or 2-3%
It's 5%
31 years old still not settled in career .. clock is ticking for me.
Pease present for age band of 50-60 years. The previous video calls for a revision
Your suggestion is accepted. I will definitely do a video on this age band
Kindly place a video for age band of 60 and beyond also. Thanks
Nicely elaborated
I am 29 years old. Planning to retire at 40. How can I prepare good portfolio to expect a final redemption of 50 lakhs?
work your ass out. da panni 40 alla 60 ayalum retire avan pattilla ... may be after 75
What will happen 50 lacks at age of 40?
Im going to turn 35 in a month, built house, got car and family events and own marriage done.
Now, I have total asset of 1 cr (15-20% real estate, 30% Equity MF, 35% Debt/FD + 16% EPF)
What should i do to maximize my returns and accumulate good corpus for my retirement post 5-10 years from now?
One word if a person have common-sense then he will do fine in life and career.
Great video, quality content
Very Very Important Information... Thank you...
I have a question, how much one should spend on children education (I mean % of your networth)
I think 2-3% if you have a couple of crores and 7-8% max if you have small corpus
frankly speaking skill development should be given more focus which ever area children focus interest rather than redundant education system.
Brilliant ❤
Can ppf be considered for retirement fund?
Offcourse yes
Low returns for 15 years though interest is tax free!
Good points .. but was not fluent in terms of own marketing tools, earlier videos .. this distracts the whole message .. just a thought
I'm looking for a good financial planner.
My Retirement Plan is as follows.
If your monthly expenses is 50000, then the yearly expenses would be 600000. So plan in such a way that you get 1800000 per year. 600000 for your expenses and 1200000 savings, which will take care of inflation.
Now even if you invest in bank FDs which gives 6 percent per annum, you will require 3.6 crores as retirement fund. Keep another 40 lakhs as cushioning.
So you would require 4 crores, which is a Fantastic amount.
If your monthly expenses are 25000 you require 2 crores.
If your monthly expenses are 40000, you would require around 2.5 to 3.0 crores.
So on and so forth.
It is very simple, don't break your head a lot.
Thanks for 1000 likes.😂😂❤❤
Very nice
@@NRIMoneyClinic Did not expect a reply from you. Thank you Bhat Sir
If some one package is 10 Laks and has 2 crore worth land in this case what do??
@@srinivaspullela1627 you should not look at your package. You need to look at your monthly expenses.
And land cannot be considered
if land making income for u then its worth
Sir, video for age band beyond 65 years
Sure will do