Sir, I have the following basic questions....Can you please help by providing some insights?.... 1. what is difference between face value, book value, intrinsic value, Liquidation value and market cost? 2. why is dividend declared as a percentage of face value? 3. why is face value starts at 10 and then reduced to 5,2,1 as when they give bonus? why not face value is 100?
நான் iPhone 13 வாங்கலாம் அப்டின்னு ஒரு 60,000 சேத்து வச்சேன், அப்புறம் வாங்க போகும்போது தான் தெரிஞ்சுது எனக்கு அந்த phone தேவை இல்லையே அப்டின்னு. அதனால் அந்த காசுல ஒரு 200 ITC ஸ்டாக் வாங்கிட்டேன்.
I have also started savings with just 10% of my salary (3000 saved when I was earning 30K) by 2015. Year on Year I have improved, now I could save around 55% of my salary (55,000 of 1L) .. 😎😎 2025 I'll make it to 65-70% 😊😊
Excellent video sir, the one thing I can relate to is that when I started to track my expenses, I was shocked as to how much I am spending on things I don't necessarily use. OTT subscriptions are a classic example. Even though I don't have much time to indulge in OTT platforms, I was doing it anyway. Cancelled most of the subscriptions. I still struggle with needs vs wants dilemma while making decisions...I noticed I am getting better at it as I am tracking my expenses for the last six months..
I have been in government service for the past ten years but till then I was not into saving, after watching your video I have full confidence that I have learned all things related to finance, now I am waiting for your video and now I have started saving. Thankful heartily congrats.
3:50 So true SIR, I start investing in the past year 2022. My portfolio moved up to 98k at an annual return of 1.74% still I feel happy and get motivated to invest more. I feel glad to be a subscriber to your channel. Keep posting such tricks and tactics :)
God bless you and your generations for this awsome service. Only i wish I had someone telling me 25 years ago.Its never too late,so I have started following your advice. Thankyou
Worth watching. Did a small math on my last month spending.. Never thought that I spent a big amount towards Res food/entertainment. Now when I take my card Vijay ur voice is running behind me. Thank you Vijay!!
Sir, so thankful for the valuable insights on savings tricks 😊.Your videos are really empowering financial independence. Lucky to find you in this platform. I was really unaware of this two words "Financial independence". My best regards to you and to your family!!!
It works. I got this trick’s from your old video and started following it. Now after 2 year i can see the difference in my savings. It’s huge 😀. Thank you sir.
simple things. few ppl also know this. But, Laziness stops people from tracking. Superbly summarized sir. Is your frequency of videos getting lesser and lesser. Pls do upload regularly or in regular intervals sir :) google algorithm works in mysterious ways
Super Sir you are spot on the car buy and Costco visit. Especially in India people tempted to buy big car where infrastructure doesn’t even support big cars and end up spending petrol price in traffic
எப்பொழுதும் shopping panna pogum pozhudhu தேவை மற்றும் அளவு எழுதி வைத்துகொண்டு கிளம்பவேண்டும் இல்லை என்றால் தேவை இல்லாதது மற்றும் அளவு அதிகமாக வாங்கிவிடுவோம் Like oil 2ltr தேவை என்றால் 5ltr can offer solli epadiyum Use aagum nu solli vaangi Appalam monthly 5times poricha namaku 10 times porichu irupom thevai illamal vaangi heart issue vayum sethu vaanguvom
Nowadays everyone wants to go to Supermarket instead of nearby shops if you have list also the atmosphere will certainly decide the list of items.. Then budget will be increased..
Thala daily writing on expenses in a notebook for each month would help to save in a great way, i am following for the last two years and seeing huge difference in my savings. Like every month needs, 1) rent , Powerbill, insurance, mobile bill, gas, groceries, outside food, clothes, internet write it down and check your spending every month. 🙏🙏
I start RD every year on Apr for the major requirements like Insurance (LIC, Health), School Fees, Taxes for Local Body, Utilities expense, etc. On maturity after a year, split the required amount and put in FD till the required date. Bharath Matha ki Jai! Jai Hind! Vande Matharam!
Sir. I am doing saving. I am investing my money in stock market. But, I would want sum for my basic monthly expenses. You would make vdo about some basic passive streams of income and how do you make passive income (like TH-cam) and share your insights about that
Hi Vijay,all ur posts are very inspiring & practical, can U pls talk about buying a car,I know tht it's a depreciating asset, but sometimes I feel why shud I compromise on my happiness when tomorrow is uncertain!!!
Nothing wrong with buying "wants". Just make sure that you are saving your target savings rate before buying "wants". Read this when you have time: collabfund.com/blog/everything-you-cant-have/ It explains why it is not easy to get "happiness" from buying "wants".
@@InvestmentInsightsTamil yes Vijay, but this time I thought I wud buy a bigger and better car as I luv driving, but when I see economists talking against it, I start doubting myself...Also God's grace I have also realised tht materialistic stuff hardly gives happiness in an early stage,though I might sound controversial here...but will surely go through ur link to get better insights,Thank U mate, stay blessed 💐
If you love driving, go for it. Nothing wrong with spending on things that we love. Just that we do not want to repeat the same justification to buy all "Fancy" things in the world. I myself, love to watch movies in OLED and have a wonderful home theater system. I would not hesitate spending money on that. But at the same time, I do not really appreciate a fancy car like you. So I would not spend money on that. We are all different. As long as we are limiting our spending only on things we actually love, we are fine. My 2 cents. :)
I like Saving.. but tracking all activities leads to fed up life.. tight current life to save unknown future life.. I feel moderate saving sufficient- like taking care of retirement and life insurance .. later all are bonus.. just go with flow.. be peace of mind..
Sir, I am a NRI & have NRE account and a saving account for Mutual fund deduction monthly for my children. Now moving to Australia. I want invest wisely from the beginning itself. Kindly guide me. Thank you
Sir. I have doubt please explain it. I give situation based example sir. Q1 la na car loan vaangiruke athukku 6/% interest rate ku 10 lac vaangure. adutha Q2 la repco rate increase aaitu so, bank um interest rate increase pantranga. Appo naa Q1 la vaanguna amount ku 6% interest thaana illa antha interest change aaguma ? Or Q2 la varapora upcoming loans ku tha interest applicable aaguma? Next one is, retail Banks namma savings account la potruka amount ku savings interest 2.5% or above, below koduppanga. Antha interest fixed ah ? Illa indha rapco rate savings interest ah fluctuate pannuma. Appadi pannichina athu epdi nadakku thu nu explain pannunga please.
1. Interest change affects only the future payments. Not the past ones. 2. It can go up or down depending on repo rate. Each bank is different in how they adjust their interest rates.
@@InvestmentInsightsTamil Ok sir. 1. First one cleared. 2. Repco rate RBI increase panna... Bank kodukkura interest rate um athigamaagum. Appo bank namakku kodukkure savings rate um slightly increase aagum nu soltringa la sir. Another doubt sir. Money interest RBI control pantrang. Gold interest rate eppadi earuthu, earanguthu ? Global demand and supply porutha. Illa RBI regulate pantranga la ?
Sir.. Costco shopping why blood.. same blood 😂 I use mint and it’s very helpful to see trends. I also limited my credit card usage to one that gives most cash back for groceries.. but I do have one specifically for travel expenses. It makes it very easy to track and see trends.
Respected sir i am Sameena working in IOCL now my age is 36 . I am earning monthly 75k now only i am planning to invest. in India which way i have to invest can you please suggest i can spend 25k for my investment how to invest where to invest i don't know pls suggest.
As always you rock the floor❤️ We limit the number grocery store visits by doing meal plan and have your groceries list on hand before the next shopping..
HI, thanks for the informative video. Recently In India post budget 2023, LRS raised to 20% and removed cap of 7 lakhs. will this impact investing in US markets from India? is there any way one can invest in us markets from India with minimal taxation and charges?
Guruve, I myself can able to save a lot but not able to control family members and I really really find it difficult to track all family members bank accounts and not able to track all income, expenses and investment.. expenses mean I want to track even the brokerage amount, taxes which is deducted before coming to bank account.. pls let me know if there is any easy way to do all these like fully automatic and view it in a dash board.. also how do you track your investment and growth of multi assets for your family.. please share if there is any tool to view income, expense and investment
Bro if I save monthly 3k from now till 3 yr and spend the total value in buying iphone is that bad one also from my 25k salary I'm able to save 17k every month and as a lumpsum I'm saving it in mutual fund so is that bad to buy my dream phone via piggy bank or any other saving method anyway that 3k is for my food or outing instead of that if I choose to buy iphone is that bad thing ?
Sir. I am a beginner in investment. I want to know few things in SIP. 1) when we try to sell any index fund after 10 years, will buyer available at that time? Or if buyer is not available then how can we sell it for emergency purpose? 2) Can we invest fluctuated amount like first month 5000, second month 7000 and third month again 2000 in consecutive months at SIP? 3) Does this brokerage app is safe to invest? Which one do you prefer?
1. There will always be buyer. Equity market is very liquid. Not like Real Estate. 2. That depends on how you have set up your SIP. Nothing stops you from buying more funds every month with extra cash. It does not have to go thru SIP. 3. They are all SEBI registered. They are monitored for any fraudulent activities. You have to make the decision whether you trust SEBI or not. I would personally go with crowd favorites.
![เปิดบ้าน พี่ตูน Bodyslam หลังใหม่คนแรก ที่ภูเก็ต l [Nickynachat]](http://i.ytimg.com/vi/flFwcmyDQSk/mqdefault.jpg)
Please be aware of scammers posting with my logo. Do not respond to them. I do not share WhatsApp details in TH-cam.
Omg scammer found, sir unga logo use panirukkanga 🤔🤔🤔🤔🤔🤔
Sir already oru 10k amichitanae yenna panradhu. Haha just kidding .
Great doing sir. Continue your amazing work
@@16aryan24 mokka joke of the year 1993
Sir, I have the following basic questions....Can you please help by providing some insights?.... 1. what is difference between face value, book value, intrinsic value, Liquidation value and market cost?
2. why is dividend declared as a percentage of face value?
3. why is face value starts at 10 and then reduced to 5,2,1 as when they give bonus? why not face value is 100?
L
நான் iPhone 13 வாங்கலாம் அப்டின்னு ஒரு 60,000 சேத்து வச்சேன், அப்புறம் வாங்க போகும்போது தான் தெரிஞ்சுது எனக்கு அந்த phone தேவை இல்லையே அப்டின்னு. அதனால் அந்த காசுல ஒரு 200 ITC ஸ்டாக் வாங்கிட்டேன்.
This is the way.
200 itc na yena
@@Neerfa306 200 numbers itc shares
Great move. ippo 25000 mela profit irukkum. All the very best bro.
@@Manjunathan_Nagaraj yes bro, one of the great decision in my life 🙂
Most important trick is - Don’t buy anything in EMI. Save money and buy with cash. This will let us avoid impulse buying and save us a lot of money.
மிக்க நன்றிங்க ஐயா.... ஒரு உண்மையான மற்றும் நடைமுறையான சேமிப்பு ஆலோசனை 🙏
You’re clarity amazes me from goal setting as per smart framework to proper execution of goal and being a living example you are great at
tamil mattum terinjavangalukku ivar oru varapprasaadham 😁😁💕💕😁😁😘😘
I have also started savings with just 10% of my salary (3000 saved when I was earning 30K) by 2015. Year on Year I have improved, now I could save around 55% of my salary (55,000 of 1L) .. 😎😎
2025 I'll make it to 65-70% 😊😊
Sabash.👏🏽
@@InvestmentInsightsTamil thank u sir 😊😊
What's your age
@@dhanvino3970 32 yrs,
Why ??
@@equitytrader_001 just wanted to run some numbers... 🙄 Impressed.
Excellent video sir, the one thing I can relate to is that when I started to track my expenses, I was shocked as to how much I am spending on things I don't necessarily use. OTT subscriptions are a classic example. Even though I don't have much time to indulge in OTT platforms, I was doing it anyway. Cancelled most of the subscriptions. I still struggle with needs vs wants dilemma while making decisions...I noticed I am getting better at it as I am tracking my expenses for the last six months..
I have been in government service for the past ten years but till then I was not into saving, after watching your video I have full confidence that I have learned all things related to finance, now I am waiting for your video and now I have started saving. Thankful heartily congrats.
3:50 So true SIR, I start investing in the past year 2022.
My portfolio moved up to 98k at an annual return of 1.74% still I feel happy and get motivated to invest more.
I feel glad to be a subscriber to your channel.
Keep posting such tricks and tactics :)
How to you invest sip
Hi bro
Style mannan .Vijay Mohan ungalaimari easy ah puriyavaikkaravanga romba kammi ungal sevai thodarttum ayya
வணக்கம் ...🙏
ரொம்ப பிரமாதம் ஒய் ...
ரொம்ப யதார்த்தமா இருக்கு ஒய் ....
நான் சொன்னா ஒரு பய கேட்க மாட்டேங்கிறான் ஒய் ...
இன்னிக்கு எல்லார்க்கும் தட்டுட்டேன் ஒய் ....
நன்றி ....
வாழ்க பாரதம் ...
பாரத் மாதா கி ஜெய் ...🙏
Nice tricks!!
One trick I follow is to write down a shopping list and sticking to it only. Works well for me to avoid impulsive buying.
God bless you and your generations for this awsome service. Only i wish I had someone telling me 25 years ago.Its never too late,so I have started following your advice. Thankyou
Worth watching. Did a small math on my last month spending.. Never thought that I spent a big amount towards Res food/entertainment. Now when I take my card Vijay ur voice is running behind me. Thank you Vijay!!
Sir, so thankful for the valuable insights on savings tricks 😊.Your videos are really empowering financial independence. Lucky to find you in this platform. I was really unaware of this two words "Financial independence". My best regards to you and to your family!!!
❤ நன்றி மிகவும் அருமையாக எளிமையான முறையில் கூறியதற்க்கு
Great points 👍 Also another tip , Don't do grocery shopping when you are hungry 😊
Patience and consistent much needed to save money, emotional decisions are not going to help some time like car, House purchase...
It works. I got this trick’s from your old video and started following it. Now after 2 year i can see the difference in my savings. It’s huge 😀. Thank you sir.
I follow the 2-4 savings tricks by default. Believe me, It works superb bro.
You are Very inspiring person sir I am following your most of habits thank for your valuable videos ❤❤❤❤
Thanks Thalaiva.. simple, but powerful video...
Financial awareness is very important topic nowadays though many missed in childhood but it is right time to teach and educate the childrens...
Great Sir...most of us get addicted with hidden expenses leads to gross at the end
All of those comments are very interesting. well, don keep it up.
simple things. few ppl also know this. But, Laziness stops people from tracking. Superbly summarized sir. Is your frequency of videos getting lesser and lesser. Pls do upload regularly or in regular intervals sir :) google algorithm works in mysterious ways
That’s true. I started my 401k 5 years before. Now also I get the salary same as 8 years.
Super Sir you are spot on the car buy and Costco visit. Especially in India people tempted to buy big car where infrastructure doesn’t even support big cars and end up spending petrol price in traffic
Sir. Weekly once finance news podunga please.
Very helpful information sir!
Thanks for a motivation Vijai.. 5:38 chai latte with espresso shot 😅
Waiting for parthathum padithathum
எப்பொழுதும் shopping panna pogum pozhudhu தேவை மற்றும் அளவு எழுதி வைத்துகொண்டு கிளம்பவேண்டும்
இல்லை என்றால்
தேவை இல்லாதது மற்றும் அளவு அதிகமாக வாங்கிவிடுவோம்
Like oil 2ltr தேவை என்றால் 5ltr can offer solli epadiyum
Use aagum nu solli vaangi
Appalam monthly 5times poricha namaku 10 times porichu irupom thevai illamal vaangi heart issue vayum sethu vaanguvom
Nowadays everyone wants to go to Supermarket instead of nearby shops if you have list also the atmosphere will certainly decide the list of items.. Then budget will be increased..
Thala daily writing on expenses in a notebook for each month would help to save in a great way, i am following for the last two years and seeing huge difference in my savings. Like every month needs, 1) rent , Powerbill, insurance, mobile bill, gas, groceries, outside food, clothes, internet write it down and check your spending every month. 🙏🙏
I start RD every year on Apr for the major requirements like Insurance (LIC, Health), School Fees, Taxes for Local Body, Utilities expense, etc. On maturity after a year, split the required amount and put in FD till the required date.
Bharath Matha ki Jai!
Jai Hind! Vande Matharam!
Most underrated hack. I do this too and save 1000s with accumulated interest
Excellent tips… thx Vijay
Please make one video regarding Fundraise - CrowdFunding
Good suggestions sir, we will follow it
Sir Costco va explain panni oru video podunga sir..
Automatic Saving is one of the best way
Sir. I am doing saving. I am investing my money in stock market. But, I would want sum for my basic monthly expenses. You would make vdo about some basic passive streams of income and how do you make passive income (like TH-cam) and share your insights about that
@InvestmentInsightsTamil01
Don't cheat through fake id
One more good one, You never fail to come with a good content sir
Pretty simple and clear and excellent
sir your video and speaking style was really motivational 👏 🙌 👌 ✨️ 🙏 please do more videos
Hi Vijay,all ur posts are very inspiring & practical, can U pls talk about buying a car,I know tht it's a depreciating asset, but sometimes I feel why shud I compromise on my happiness when tomorrow is uncertain!!!
Nothing wrong with buying "wants". Just make sure that you are saving your target savings rate before buying "wants".
Read this when you have time: collabfund.com/blog/everything-you-cant-have/
It explains why it is not easy to get "happiness" from buying "wants".
@@InvestmentInsightsTamil yes Vijay, but this time I thought I wud buy a bigger and better car as I luv driving, but when I see economists talking against it, I start doubting myself...Also God's grace I have also realised tht materialistic stuff hardly gives happiness in an early stage,though I might sound controversial here...but will surely go through ur link to get better insights,Thank U mate, stay blessed 💐
Did read d blog U sent & will read d suggested "d molecule of more" book too, maybe it will open me yo more,Thank U for d immediate response 🙌🏻
If you love driving, go for it. Nothing wrong with spending on things that we love. Just that we do not want to repeat the same justification to buy all "Fancy" things in the world.
I myself, love to watch movies in OLED and have a wonderful home theater system. I would not hesitate spending money on that. But at the same time, I do not really appreciate a fancy car like you. So I would not spend money on that. We are all different. As long as we are limiting our spending only on things we actually love, we are fine. My 2 cents. :)
Sir, if possible pl make an exclusive video on how "Buy now Pay later" culture might affect the future and lifestyle..
Great Tips and Tricks Boss !! Keep it coming Nandri
Thank you sir.
When going to Costco or any groceries go with your stomach full not empty, this will definitely reduce unwanted buying
🤣👍🏽
I like Saving.. but tracking all activities leads to fed up life.. tight current life to save unknown future life.. I feel moderate saving sufficient- like taking care of retirement and life insurance .. later all are bonus.. just go with flow.. be peace of mind..
Sir, I am a NRI & have NRE account and a saving account for Mutual fund deduction monthly for my children. Now moving to Australia. I want invest wisely from the beginning itself. Kindly guide me. Thank you
Thank you for the valuable insights Sir.
Good one Sir. Great explanation
Sure Sir. Please share your whatsapp number
Thatha Money pathi students ku ethachum sollunga
Sir. I have doubt please explain it. I give situation based example sir.
Q1 la na car loan vaangiruke athukku 6/% interest rate ku 10 lac vaangure. adutha Q2 la repco rate increase aaitu so, bank um interest rate increase pantranga. Appo naa Q1 la vaanguna amount ku 6% interest thaana illa antha interest change aaguma ? Or Q2 la varapora upcoming loans ku tha interest applicable aaguma?
Next one is,
retail Banks namma savings account la potruka amount ku savings interest 2.5% or above, below koduppanga. Antha interest fixed ah ? Illa indha rapco rate savings interest ah fluctuate pannuma. Appadi pannichina athu epdi nadakku thu nu explain pannunga please.
1. Interest change affects only the future payments. Not the past ones.
2. It can go up or down depending on repo rate. Each bank is different in how they adjust their interest rates.
@@InvestmentInsightsTamil
Ok sir.
1. First one cleared.
2. Repco rate RBI increase panna... Bank kodukkura interest rate um athigamaagum. Appo bank namakku kodukkure savings rate um slightly increase aagum nu soltringa la sir.
Another doubt sir.
Money interest RBI control pantrang.
Gold interest rate eppadi earuthu, earanguthu ? Global demand and supply porutha. Illa RBI regulate pantranga la ?
Thanks VJM
Good insights about the savings 🙂.. hats off to you for your valuable time..
As usual great tips sir.
Yepidi Invest pandrathu nu detail ahh oru video poduga..
Which asset to invest?: th-cam.com/video/237IvAFfhV8/w-d-xo.html
Sir.. Costco shopping why blood.. same blood 😂 I use mint and it’s very helpful to see trends. I also limited my credit card usage to one that gives most cash back for groceries.. but I do have one specifically for travel expenses. It makes it very easy to track and see trends.
Mint is my go to app for last 7 years
Hello
Is annuity plans good investment vehicles for long term 10-15 yrs?
Sir, Please advise for India expenses tracker app any worthy
Respected sir i am Sameena working in IOCL now my age is 36 . I am earning monthly 75k now only i am planning to invest. in India which way i have to invest can you please suggest i can spend 25k for my investment how to invest where to invest i don't know pls suggest.
Thanks for sharing
Sir would like see your videos with ur wife 😊 her story was very inspiring 👍
Nee Gethu Thala!
Hello sir! Would it be possible for you to make a series of video on topics related to moving for good to India?
Thank you.
I THING SOME PERCENTAGE OF SAVINGS FROM INCOME IS ALSO LIKE THIS SIR.
Thank you sir 👍👍👍
You are great sir..
As always you rock the floor❤️
We limit the number grocery store visits by doing meal plan and have your groceries list on hand before the next shopping..
Yes
I learned about savings that's why i don't eat outside i owned my car for 7 years savings😁
Hi can you kindly share how to do savings for an autism child and how to do will for them
Nice content brother! What’s that name of the person that asks to buy Costco stock?
Charlie Munger.
Super sir...
HI, thanks for the informative video. Recently In India post budget 2023, LRS raised to 20% and removed cap of 7 lakhs. will this impact investing in US markets from India? is there any way one can invest in us markets from India with minimal taxation and charges?
Ur intro song is my Phone Ringtone 😜
Thalaivaaan arrived after long back🙏🫂
Guruve, I myself can able to save a lot but not able to control family members and I really really find it difficult to track all family members bank accounts and not able to track all income, expenses and investment.. expenses mean I want to track even the brokerage amount, taxes which is deducted before coming to bank account.. pls let me know if there is any easy way to do all these like fully automatic and view it in a dash board.. also how do you track your investment and growth of multi assets for your family.. please share if there is any tool to view income, expense and investment
Kettuteengala... senjiduvom.
🙏🙏🙏
nice info
GOOD EDUCATOR
Can you pls tell us what are all the book you have been reading...?
I share those in the paarthathum padithathum series. th-cam.com/video/3b4nS8Syy0U/w-d-xo.html
வணக்கம் சார்
Costco example was spot on. 😂. I am guilty as charged!
🤣 We all are.
Bro if I save monthly 3k from now till 3 yr and spend the total value in buying iphone is that bad one also from my 25k salary I'm able to save 17k every month and as a lumpsum I'm saving it in mutual fund so is that bad to buy my dream phone via piggy bank or any other saving method anyway that 3k is for my food or outing instead of that if I choose to buy iphone is that bad thing ?
No. Not at all. 17/25 is a good savings rate. You can do whatever you want with the rest of the money. Go for it.
Super speech sir
Super
you are awesome
Sir. I am a beginner in investment. I want to know few things in SIP.
1) when we try to sell any index fund after 10 years, will buyer available at that time? Or if buyer is not available then how can we sell it for emergency purpose?
2) Can we invest fluctuated amount like first month 5000, second month 7000 and third month again 2000 in consecutive months at SIP?
3) Does this brokerage app is safe to invest? Which one do you prefer?
1. There will always be buyer. Equity market is very liquid. Not like Real Estate.
2. That depends on how you have set up your SIP. Nothing stops you from buying more funds every month with extra cash. It does not have to go thru SIP.
3. They are all SEBI registered. They are monitored for any fraudulent activities. You have to make the decision whether you trust SEBI or not. I would personally go with crowd favorites.
@@InvestmentInsightsTamil Thanks alot sir.
Arumai sir.. 🎉
Excellent
தல, weekly ரெண்டு வீடியோ போடுங்க.
5% kudaa save panaa mudiyalaa 😅150% selavu varuthu sir rayyyyyy
🤣
Sip a single invest a pannalama illa...
split panni invest pannalama sir...?
Thank u sir.
Discipline is needed most…but it’s hard
Arumai
Sir, என்னுடைய சம்பளமே 20.000தான்...நீங்க மாதம் 23000 சேமிக்க சொல்றீங்க..{
Can you please share details about Custodial account and is it better than 529 plan.