If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
It was a honor connecting with Ankur Sir. This was a very empowering and enlightening session. Absolutely genuine and transparent with all the information provided.❤
Best part is that you adjusted this value as per inflation which actually gave a very realistic number. Special kudos to you. Please include this in your excel sheet and share it on the screen as well @warikoo ji.
agar ye numbers nahi bhi achive hote to atleast kitne logo ne kitna kuch sikha hoga is video se BIG SALUTE FOR YOR ANKUR WARIKOO sir logo ko financial planning sikhane ke liye
I wanted to cry see a girl in her 20s so disciplined and concerned about her life and finances and me 😭😭😭 also being in my 20s but scrolling the shorts and reels and just wasting my time and money , hats off to you girl and thank you so much sir for sharing the information Now i realised why i was feeling poor , finally i found u sir
I am a senior citizen . Love to watch ur videos. U are very crystal clear in your approach.I wish I knew you earlier. Kindly prepare a program for seniors who have missed the bus….
Truly inspiring! Just turned 22 yesterday and this is exactly what i wanted to see today. Been planning to invest for a very long time still havent figured out how to mange.
My Wife and I ,both 33 with about $800k in investments, excluding home equity and rainy day funds. I've always strived to stay on top of my finances, hoping that being disciplined in my 20s would allow me/us to have more breathing room in our 40s+ But now, as life's demands intensify, we're pondering a crucial question: should we bring in a financial expert to help us maximize our wealth?
Mywife and I can totally relate. We've been disciplined about our finances too, and it's paid off. We're in our mid-30s and combined net worth shows we are millionaires .with ~450k in retirement/investments.Years of driving 20+ year old cars with multiple shades of paint (or as i called it, "custom" paint jobs) and knocking out $170k in student loans literally paid off. To people going through the struggle, take it step by (non trademark) baby step. You'll get through it. Its worth it.
At 42, I've accumulated $997k in my 401k, thanks to starting at 18 and making consistent investments. With my company since high school, I contribute 10% of my income, maximizing a 4.75% match. My proactive financial advisor emphasized the power of compound interest - starting early allows money more time to grow. While I didn't mention returns from my brokerage account managed by Monica, the lesson is clear: start early, be patient, and consider a financial expert to help your wealth thrive!
Monica Mary Strigle, a highly esteemed and experienced CFA I proudly work with. Her impressive credentials and expertise make her a trusted authority in the financial industry. I highly recommend researching her and seeking her guidance for navigating the complex financial landscape. Her wealth of knowledge and expertise are invaluable assets to anyone seeking to make informed investment decisions.
Its true, dont underestimate thr power of compounding, i invested 50k for 14 yrs in lic and now my policy got mature n got 19.5 lk.. I was surprised..its so useful bcas i never thought of leaving my job but end up leaving.. I worked only 10 yrs in IT..
This is a genuine question, please respond, people. Since the time I have started watching Shri Ankur Ji's videos on personal finance, I learnt about various SIP calculators to plan my future, How come these people he brings on follow him enough to fill his Google form to appear on these videos, but are shocked to find out the value small SIPs can create in long term. Every time!! I mean, come on guys, have you really never calculated these numbers on your own? How is this possible? Every piece of financial wisdom he gives, that I can test myself and apply personally, I do and learn so much in the process. Why such awe? when he asks you to guess the number you will be sitting on if you remain consistent.
Bro it's not like that Even i follow his channel regularly, and when he said only 2000rs sip for 30 years. I was never going to say 17cr. Because it doesn't make sense in rational minds. She said 1.5Cr (fucking 1.5cr) with just 2000rs sip. Isn't it already overwhelming? If i were her, i would have said 2 cr, 3cr, max 5cr right? This happens because in hindsight, we forget to consider the impact of those 30yrs. So that's why. It's not possible to spontaneously calculate or even come close to the actual number. Just try it for yourself once, you'll know. Also don't act like you guessed 17cr by just knowing 2000rs sip for 30 yrs.
anyone can calculate returns on SIP investments. But its the advice on where to invest and how much to invest based on your personal and necessary goals that is why people sign up for "Money matters". It makes a load of difference when someone sits you down and asks for your income and spendings. Again, if you're not a fan of the series, don't watch it. There are other valuable playists in Warikoo Sirs channel.
Exactly I feel the same .. if some one watches his old money matters episodes they will get an idea themselves and don’t even have to fill the form for advice . They can easily learn from other episodes..
To answer your questions, using a basic understanding of the time value of money, i.e. when he talks about how much of the 50L/1cr/2cr is worth TODAY. The first biggest mistake he made was assuming inflation at 4.8% which is abysmally low even for general purposes. I would suggest take inflation at 6%. But I wish the story ends here every industry has its own inflation rate. For e.g.: Automobile inflation is assumed at 10% (correct me if im wrong) and every industry has its own rate of inflation so when he says "oMg CrOrE and CRoRREES" I roll my eye because we immediately assume ' oh ek ghar khareedhne jitta paisa.... wow yaar' but in reality, the house which was out of budget today has a high chance of being out budget 10-20-30 years from now. Last part of the criticism is purely personal. it's very difficult to step up SIP by 10% if your salary doesn't grow or if u accidently get into a stagnant sector (IT rn). Lastly There are a lot of big expenses unique to us as a culture (shaadi ghar gaadi by xyz age) which require a lot of investment/loan taken at a young age which makes it more difficult to commit to the *10% step up* remember im not saying it's going to be difficult to invest 6000 but to keep that SIP growing is going to be difficult. Hope I bring a more balanced viewpoint and the nuances of "*" BAS 6000 RUPAY DAALO 20 SAAL MAI CROREPATI BANO"*". Lastly, I'm still a student studying for actuaries and my knowledge is very surface level, would love some constructive criticism (pls no mc bc).
ll this jargon of compounding is relatively new to neo rich middle class because of financial illiteracy...!!😮😮 To make them literate is nothing short of benevolency...!! Kudos AW...!!!😊😊
Wow,🥰 When I heard the 30-year planes, seriously I screamed too loud that my side roommates came to check that every things is fine with me or not.....
Actual inflation for urban class is around 9-10%. If you account for it the inflation adjusted amount after 30 years becomes around 1cr. But still equity is one the best ways to grow your money.
Losing 4 lakhs towards medical expenses is something many over see , please every one must have health insurance regardless of age , after having health complications , buying health insurance will be expensive. Good episode.
I second that, and for young people, the annual premiums are quite low. Some companies even double the sum assured if you go a year without making a claim.
There is no scope of occasional expenses like relative Marriage, self B'Day celebration, gifts, donations, festival expenses, purchase of two wheeler or car, purchase of house, purchase of phone, vacation. As per my understanding these expenses are approx 20% monthly and rest 100% should not be in MF, 10-20% should be in safe investments when you need them it should avoid market crash risk.
I don't think he has asked to invest 100% in MF, he asked to add 5% every year... maybe her salary increases by 10%.. i.e. 35k+5% and she has to add only 6k+5%. so there will be still savings of some amount which she can use for other expenses.
I am just 18 years old, and I am super addicted to your videos, even I also make some rough notes according to your videos, in my diary, I did some calculations myself to roughly know the exact figures and I would say you are doing an absolutely fantastic job by publishing these videos on regular basis, gonna take some steps in future according to your guidance to be financially stable and to become a good human being. thank you so much FINFLUENCER ! 📚
The best part i loved: Teaching people the financial discipline that is needed in the starting of their career. I wish i had that guidance, mentorship in my 20's.
Nope.. Not normal in Mumbai too.. Trust me..I stay in Mumbai.. She's first of all a girl.. Which is why she gets to keep her salary to herself while she was doing college and had lot of time.. So ye party vagera plan karne ka time Mila..i don't know how she got time to reach out to small companies and organize their shit but it's not possible if you are a boy and working at the same time.. It's good and a privilege as a girl.. But yeah..i myself have tried it but I didn't get the time or was not able to save money as i was financially helping my family since my starting job after 10th.. So yeah.. She's just a lucky girl who took the opportunity and privilege she got at that age.. Happy for her.. But just wanna say it's not possible even in Mumbai.. It's just pure luck she got those opportunities to do additional work for her side income..😊
At 23 i just got fortunate enough to land a job paying me 1.5 lac per month. One thing that bothers me is how wouldji manage the savinfs and go around my investment journey
Wonderful and a very educative video and knowledge sharing to a youngster. Wonderful service you are doing to teach compounding magic to these smart children.
People like Ankur are dream sellers. This type of 100% ideal situation never happen in common public Life. Once these persons are established they try to sell dreams...
I was suffering from an autoimmune disease as well(ulcerative colitis), but i have healed myself completely from it now over the past 1 year. Feel free to ask me questions regarding the same
No man... 40 is still not late to make investments and generate wealth. Buffet Sir's major corpus was generated after the age of 60. So stay positive and stay healthy. I am 44 and still very excited about investments and have generated my first cr recently
Hello sir this is Varsha from Ahmednagar District and at BABA’s Shirdi so mai aapko bohot time se follow kr rahi Hu i love your all investment plans ….I mean mai aapko explain nahi kr sakti seriously maine bohot kuch sikh hai sir thank you so much sir I can’t have any words for you mera ek question hai sir agar muze sip krni ho to muze offline krni hai toh mai bank se kr sakti hu kya ??? Because i am house wife that’s why…..please answer me sir please answer
Her expression went from 😁 to 🙂 when she realized that the 17 crores she would receive after 30 years would only be worth 3.50 crores after accounting for inflation. And let me clarify, this 3.50 crores is the value of the total investment, not the profit. To know the actual profit, you first need to know how much she invested over those 30 years, which Ankur didn’t mention at all. Let me explain: if she invests ₹6,000 per month with a 5% increase every year for 30 years, the total amount she invests, after adjusting for 5% inflation, would be approximately ₹21.60 lakhs. In short, she invested ₹21.60 lakhs over 30 years to get a profit of ₹3.28 crores (calculated as 3.50 crores minus ₹21.60 lakhs).
Actual inflation for urban class is around 9-10%. If you account for it the inflation adjusted amount after 30 years becomes around 1cr. But still equity is one the best ways to grow your money.
Just the situations teach you and make you earn for the survival, just need the courage to face the problems with a smile on face and time will give you the results of your efforts. God bless you ❤
Ankur sir/ Everyone, Correct me if I'm wrong, If I'm investing 4500/month with growth rate of 13% annual. It will take 25 years to become 1 crore. On my invested amount of 13.5 Lakh. Assuming on average 7% inflation rate. Division factor for 25 yrs= 5.4 So, 1 Cr/5.4 = 18 Lakh (excluding taxes) In conclusion, my 1 Cr in the next 25 years will be equivalent to 18 Lakh of today. On the other hand, if I keep this amount in Bank or FD I won't even be able to beat inflation.
You do not no you will live for 30 years, so dont just run behind these numbers, enjoy your life too, I am investing on MF's for next 3-5 yrs cycle to purchase my needs. Nehi toh market mein mera 10 crore reh jayega aur mein Ganga mein behta hua ashes mein.😊
I dont know which calculator has been used here , but with a step up of 5% pa and a monthly investment of 2k for 10 yrs will amount to around 3 lakh investment and a 12% return pa on this will give a total of around 2.5 lakh return thus giving a total of 5.5 lakh rupees . Now someone please explain how did ankur claim it to be 50 lakh?
My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but taking risks puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to Mrs Helena Crouse, my portolio is doing really great and im proud of the decisions i made last year
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir mera number kab aayga mene so many time apply in money matter
Mai bhi last 3 months continuesly
Sir USA market ke mutual fund py be 1 video bna deo aur kise hum is ly sakhte ha aur se fund mai n Invest kare
I have also filled the form
I have filled up the form. I want to be a part of it. I want to know when can I hit 100 crores if i earn 10L monthly
She is lucky to have this plan at this age. Huge impact on her. Must watch videos for everyone.
It was a honor connecting with Ankur Sir. This was a very empowering and enlightening session. Absolutely genuine and transparent with all the information provided.❤
Hi ma'am how to do in digital marketing for a fresher??
@@aniketmishra322 Hey Aniket, you can do short term online courses or take up internships at media firms/agencies for experience.
@@crisellequadros6162 hey criselle. You're amazing. Don't get demotivated by the shitty men in Ankur's comments. Keep up the hardwork!
@@aayushi8917 Thank you so much Aayushi, means alot.
Are you really that girl in this video? And there is a guy's comment who is claiming to be your boyfriend is it fr?
Best part is that you adjusted this value as per inflation which actually gave a very realistic number. Special kudos to you. Please include this in your excel sheet and share it on the screen as well @warikoo ji.
But still he made the mistake he set returns for 30% 😂😂😂 meanwhile only on average 12-15% is possible and he didn't even cut out the taxes of earnings
agar ye numbers nahi bhi achive hote to atleast kitne logo ne kitna kuch sikha hoga is video se BIG SALUTE FOR YOR ANKUR WARIKOO sir logo ko financial planning sikhane ke liye
I am 20years old and I love to learn from your videos Thank you so much 😊 Ankoor Sir.
I wanted to cry see a girl in her 20s so disciplined and concerned about her life and finances and me 😭😭😭 also being in my 20s but scrolling the shorts and reels and just wasting my time and money , hats off to you girl and thank you so much sir for sharing the information
Now i realised why i was feeling poor , finally i found u sir
I am a senior citizen . Love to watch ur videos. U are very crystal clear in your approach.I wish I knew you earlier. Kindly prepare a program for seniors who have missed the bus….
Truly inspiring! Just turned 22 yesterday and this is exactly what i wanted to see today. Been planning to invest for a very long time still havent figured out how to mange.
What a wholesome episode. Lots of power to Criselle
Thank you so much❤💪
Seems to be a hard working, sincere and driven girl. All the best.
33:29 Very true. Don’t underestimate the power of compounding. I wish everyone understands this and experience power of compounding 😊
Also don't underestimate power of inflation
Such a fun and jolly person she is.i hope no one breaks her heart .
i am saying pathan julkarnen, from:Gujarat. apki Make Epic Money book reading three days complete. Very nice book sir, 10/10 🌟🌟
freelancing, for passive income
2. Need based fund... emergency to be made for 6 months
3. Health insurance..ss
4. Invest - SIP,
My Wife and I ,both 33 with about $800k in investments, excluding home equity and rainy day funds. I've always strived to stay on top of my finances, hoping that being disciplined in my 20s would allow me/us to have more breathing room in our 40s+ But now, as life's demands intensify, we're pondering a crucial question: should we bring in a financial expert to help us maximize our wealth?
Mywife and I can totally relate. We've been disciplined about our finances too, and it's paid off. We're in our mid-30s and combined net worth shows we are millionaires .with ~450k in retirement/investments.Years of driving 20+ year old cars with multiple shades of paint (or as i called it, "custom" paint jobs) and knocking out $170k in student loans literally paid off. To people going through the struggle, take it step by (non trademark) baby step. You'll get through it. Its worth it.
At 42, I've accumulated $997k in my 401k, thanks to starting at 18 and making consistent investments. With my company since high school, I contribute 10% of my income, maximizing a 4.75% match. My proactive financial advisor emphasized the power of compound interest - starting early allows money more time to grow. While I didn't mention returns from my brokerage account managed by Monica, the lesson is clear: start early, be patient, and consider a financial expert to help your wealth thrive!
Who is this Monica you work with ?
Monica Mary Strigle, a highly esteemed and experienced CFA I proudly work with. Her impressive credentials and expertise make her a trusted authority in the financial industry. I highly recommend researching her and seeking her guidance for navigating the complex financial landscape. Her wealth of knowledge and expertise are invaluable assets to anyone seeking to make informed investment decisions.
I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me. Thank!
Criselle you are doing superb! Plus your energy is fantastic! Keep growing:)
Its true, dont underestimate thr power of compounding, i invested 50k for 14 yrs in lic and now my policy got mature n got 19.5 lk.. I was surprised..its so useful bcas i never thought of leaving my job but end up leaving.. I worked only 10 yrs in IT..
Everything was good as always. Please note it’s Mumbai, why this colonial mindset and Bombay word doesn’t die. Thanks
Affects to every Marathi person at least, Disrespectful to change my city’s name only because you can’t pronounce it.
Mujhe Ankur sir k bate sunne main maza aa jati hai , energetic conversation just amazing ❤
This video is so helpful because this also says the value of money after years with inflation correction
This is a genuine question, please respond, people.
Since the time I have started watching Shri Ankur Ji's videos on personal finance, I learnt about various SIP calculators to plan my future, How come these people he brings on follow him enough to fill his Google form to appear on these videos, but are shocked to find out the value small SIPs can create in long term. Every time!! I mean, come on guys, have you really never calculated these numbers on your own?
How is this possible? Every piece of financial wisdom he gives, that I can test myself and apply personally, I do and learn so much in the process. Why such awe? when he asks you to guess the number you will be sitting on if you remain consistent.
Bro it's not like that
Even i follow his channel regularly, and when he said only 2000rs sip for 30 years. I was never going to say 17cr. Because it doesn't make sense in rational minds.
She said 1.5Cr (fucking 1.5cr) with just 2000rs sip. Isn't it already overwhelming?
If i were her, i would have said 2 cr, 3cr, max 5cr right?
This happens because in hindsight, we forget to consider the impact of those 30yrs. So that's why.
It's not possible to spontaneously calculate or even come close to the actual number. Just try it for yourself once, you'll know.
Also don't act like you guessed 17cr by just knowing 2000rs sip for 30 yrs.
anyone can calculate returns on SIP investments. But its the advice on where to invest and how much to invest based on your personal and necessary goals that is why people sign up for "Money matters". It makes a load of difference when someone sits you down and asks for your income and spendings. Again, if you're not a fan of the series, don't watch it. There are other valuable playists in Warikoo Sirs channel.
Exactly I feel the same .. if some one watches his old money matters episodes they will get an idea themselves and don’t even have to fill the form for advice . They can easily learn from other episodes..
Maybe because that wouldn't add dramatic effect.
To answer your questions, using a basic understanding of the time value of money, i.e. when he talks about how much of the 50L/1cr/2cr is worth TODAY. The first biggest mistake he made was assuming inflation at 4.8% which is abysmally low even for general purposes. I would suggest take inflation at 6%. But I wish the story ends here every industry has its own inflation rate. For e.g.: Automobile inflation is assumed at 10% (correct me if im wrong) and every industry has its own rate of inflation so when he says "oMg CrOrE and CRoRREES" I roll my eye because we immediately assume ' oh ek ghar khareedhne jitta paisa.... wow yaar' but in reality, the house which was out of budget today has a high chance of being out budget 10-20-30 years from now. Last part of the criticism is purely personal. it's very difficult to step up SIP by 10% if your salary doesn't grow or if u accidently get into a stagnant sector (IT rn). Lastly There are a lot of big expenses unique to us as a culture (shaadi ghar gaadi by xyz age) which require a lot of investment/loan taken at a young age which makes it more difficult to commit to the *10% step up* remember im not saying it's going to be difficult to invest 6000 but to keep that SIP growing is going to be difficult. Hope I bring a more balanced viewpoint and the nuances of "*" BAS 6000 RUPAY DAALO 20 SAAL MAI CROREPATI BANO"*". Lastly, I'm still a student studying for actuaries and my knowledge is very surface level, would love some constructive criticism (pls no mc bc).
Guy's don't compare yourself with her, just focus on Excel sheet and make practical it with your numbers, everyone are different👍🏻
Excel sheet 😂😂😂
Very true!
ll this jargon of compounding is relatively new to neo rich middle class because of financial illiteracy...!!😮😮
To make them literate is nothing short of benevolency...!! Kudos AW...!!!😊😊
Wow,🥰 When I heard the 30-year planes, seriously I screamed too loud that my side roommates came to check that every things is fine with me or not.....
I hope Criselle earns so much money and keeps contributing a part of her income for innocent stray animals❤
That's the part I loved the most, more power to her indeed
Actual inflation for urban class is around 9-10%. If you account for it the inflation adjusted amount after 30 years becomes around 1cr. But still equity is one the best ways to grow your money.
Nicely put. Was looking for this comment!
Which equity
@@LightYagami-bh6lp Stocks and Mutual Fund!
Losing 4 lakhs towards medical expenses is something many over see , please every one must have health insurance regardless of age , after having health complications , buying health insurance will be expensive. Good episode.
I second that, and for young people, the annual premiums are quite low. Some companies even double the sum assured if you go a year without making a claim.
watching this video with zero income
Your age
Good. You can start as soon as you get money. I am 10 years late already. I started now
There is no scope of occasional expenses like relative Marriage, self B'Day celebration, gifts, donations, festival expenses, purchase of two wheeler or car, purchase of house, purchase of phone, vacation. As per my understanding these expenses are approx 20% monthly and rest 100% should not be in MF, 10-20% should be in safe investments when you need them it should avoid market crash risk.
Correct. Life gets more complicated with these expenses. It takes us beyond survival
Only sensible comment
I don't think he has asked to invest 100% in MF, he asked to add 5% every year... maybe her salary increases by 10%.. i.e. 35k+5% and she has to add only 6k+5%. so there will be still savings of some amount which she can use for other expenses.
Ankur sir reactions in the video - men will be men ❤😅
appreciate her for having interest in sorting her finances at that age :)
So much usefull series m bahut kuch seekhti hu tysm sir for giving us financial education❤
I feel like Ankur's gonna hire her. That'd be so cool. :D
Wow what a dream
It was wonderful information got from criselle and ankur sir. People like you are gems ❤❤
Ankur is my guiding star towards financial freedom.
What's app
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I think People should invest on their own than relying on mutual funds. Mostly those who have trust issues.
Brand Ambassador Of Mutual Funds 😂😂
😂😂😂
Mutual fund sahi hai
Sahi bole
Expense ratio and long term capital gain tax laughing on the corner 😂🤣
@@its_akash05s MF still better than FD.
Thank you.kitna maja ata hain apka show❤
I am just 18 years old, and I am super addicted to your videos, even I also make some rough notes according to your videos, in my diary, I did some calculations myself to roughly know the exact figures and I would say you are doing an absolutely fantastic job by publishing these videos on regular basis, gonna take some steps in future according to your guidance to be financially stable and to become a good human being. thank you so much FINFLUENCER ! 📚
Hoping for @warikoo 's reply on this comment.
Nice
Is bar Ankur sir zyada excited lag rahe he😊
I get a lot of information and it's fun watching your show.
The best part i loved:
Teaching people the financial discipline that is needed in the starting of their career.
I wish i had that guidance, mentorship in my 20's.
I love to watch you sir....your smile is just made everyone's day 😊....may God bless you sir for helping us 🙏
Adjusted inflation bhaut badia lga..❤
Sir it's a pride to have your's true experiences and guidance ...salute to your passion and honest teaching methods sir .
It was very good conversations about investment.I always follow you to get updates .
20 saal baad sab crorepati ban jayenge.. Yeaaaahhh
At 24 she is earning 50k approx. Kudos
It's normal
@@mynk_rjputsabko nhi milti Lakshman 😢😢
Its mumbai thats why!
Nope.. Not normal in Mumbai too.. Trust me..I stay in Mumbai.. She's first of all a girl.. Which is why she gets to keep her salary to herself while she was doing college and had lot of time.. So ye party vagera plan karne ka time Mila..i don't know how she got time to reach out to small companies and organize their shit but it's not possible if you are a boy and working at the same time.. It's good and a privilege as a girl.. But yeah..i myself have tried it but I didn't get the time or was not able to save money as i was financially helping my family since my starting job after 10th.. So yeah.. She's just a lucky girl who took the opportunity and privilege she got at that age.. Happy for her.. But just wanna say it's not possible even in Mumbai.. It's just pure luck she got those opportunities to do additional work for her side income..😊
At 23 i just got fortunate enough to land a job paying me 1.5 lac per month. One thing that bothers me is how wouldji manage the savinfs and go around my investment journey
Wonderful and a very educative video and knowledge sharing to a youngster. Wonderful service you are doing to teach compounding magic to these smart children.
Inspirational girl ❤wonderful episode Warikoo
People like Ankur are dream sellers. This type of 100% ideal situation never happen in common public Life. Once these persons are established they try to sell dreams...
Dream of discipline, results will show.
love u sir ,i know almost everything because of you and other gentlemen's podcast, but its always interesting and motivating to listen you♥
God bless you Criselle
Iss ladki ka answer hajam nahi ho raha hei.if what ever she is saying if really true then kudos to her.
lovely episode !!! more power to women
She smartly corrected 25k to 35k nice
she said 35 in reality
Agree. I also noticed this and wanted to write this comment. That is how we learn soft skills
Good episode of a common person with modest income.😊
Thank god you adjusted for inflation and taxes i was tired writing in the comments in all videos 😂
I am bcom student
Bcom is the best course ❤
loved it ankur 🤍
Har bar aap SIP SIP or kuch bhi h iske aage sir😂🎉
Such An Inspiring Video!❤
Amazing talent 👍❤
Thank you very helpful 🙏🙏
I was suffering from an autoimmune disease as well(ulcerative colitis), but i have healed myself completely from it now over the past 1 year. Feel free to ask me questions regarding the same
How do you healed yourself from colitis ?
i like the way of conversation
Very very very video sir jiii 😍😍😍😍😍😍🙏🙏🙏🙏
You can actually skip installment for your SIP if you want. But plan it atleast 5 days before that sip installment date of the month
Dear Ankur
Thank you so much
Your episose🎉🎉🎉
Wonderful sir.. please make video of ETF investments❤❤❤
Exilelent sir.
Great advice sir... I also wanted to be part of your Money Matters series. But I'm feeling that my time went off as I reached 40.
No man... 40 is still not late to make investments and generate wealth. Buffet Sir's major corpus was generated after the age of 60. So stay positive and stay healthy. I am 44 and still very excited about investments and have generated my first cr recently
yeh banda unko hi pick karta hai, jo ki waise bhi insurance etc. walon se phas jaate. That's a good point about him.
Hello sir this is Varsha from Ahmednagar District and at BABA’s Shirdi so mai aapko bohot time se follow kr rahi Hu i love your all investment plans ….I mean mai aapko explain nahi kr sakti seriously maine bohot kuch sikh hai sir thank you so much sir I can’t have any words for you mera ek question hai sir agar muze sip krni ho to muze offline krni hai toh mai bank se kr sakti hu kya ??? Because i am house wife that’s why…..please answer me sir please answer
Hello akshy sir. Looking smart 😊
Her expression went from 😁 to 🙂 when she realized that the 17 crores she would receive after 30 years would only be worth 3.50 crores after accounting for inflation. And let me clarify, this 3.50 crores is the value of the total investment, not the profit. To know the actual profit, you first need to know how much she invested over those 30 years, which Ankur didn’t mention at all.
Let me explain: if she invests ₹6,000 per month with a 5% increase every year for 30 years, the total amount she invests, after adjusting for 5% inflation, would be approximately ₹21.60 lakhs.
In short, she invested ₹21.60 lakhs over 30 years to get a profit of ₹3.28 crores (calculated as 3.50 crores minus ₹21.60 lakhs).
Kya bakwas hai
@@theanonworld6633 calculation samajh nahi aya toh bakwas? 😂
Actual inflation for urban class is around 9-10%. If you account for it the inflation adjusted amount after 30 years becomes around 1cr. But still equity is one the best ways to grow your money.
@@Welsh_Dragon99 yes, yet Ankur took 5% inflation rate for present value calculation.
@@yohanlobo4767 yes
Just the situations teach you and make you earn for the survival, just need the courage to face the problems with a smile on face and time will give you the results of your efforts. God bless you ❤
30 yrs.. This need to be considered
This video was uploaded but deleted few days back😅
PET SUPLLIES 🐕🐈❤ RESPECT FOR CRISELE 🙏
Sirr!!! You got too emotional during this video!!!
Great ❤🔥
Ankur sir/ Everyone,
Correct me if I'm wrong,
If I'm investing 4500/month with growth rate of 13% annual. It will take 25 years to become 1 crore. On my invested amount of 13.5 Lakh.
Assuming on average 7% inflation rate.
Division factor for 25 yrs= 5.4
So, 1 Cr/5.4 = 18 Lakh (excluding taxes)
In conclusion, my 1 Cr in the next 25 years will be equivalent to 18 Lakh of today.
On the other hand, if I keep this amount in Bank or FD I won't even be able to beat inflation.
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Thank you Sir❤
You do not no you will live for 30 years, so dont just run behind these numbers, enjoy your life too, I am investing on MF's for next 3-5 yrs cycle to purchase my needs.
Nehi toh market mein mera 10 crore reh jayega aur mein Ganga mein behta hua ashes mein.😊
Sir I want to come your channel for optimising my portfolio and I have your book also sir following you from since last 2 years
Lovely ❤❤❤
Bariko bhai - ye mega city se nikal kar kabhi choteyy towns mai bhi jao , waha bhi aapki jarorat h logo ko. Unnko bhi kabhi lao videos par
Thanks for sharing Sir
Nice work sir episode continue rkho
Wariko gives you wings 😂
I dont know which calculator has been used here , but with a step up of 5% pa and a monthly investment of 2k for 10 yrs will amount to around 3 lakh investment and a 12% return pa on this will give a total of around 2.5 lakh return thus giving a total of 5.5 lakh rupees .
Now someone please explain how did ankur claim it to be 50 lakh?
Same
Y😂😂😂
Also I Love You to you financial education.
My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but taking risks puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to Mrs Helena Crouse, my portolio is doing really great and im proud of the decisions i made last year
Great ❤❤❤
sir very good Thanks
How can somebody be a manager in just 2.5 yrs. Positions today do not really mean anything, just a beautiful tag.😢
Amazing 👏
Thank You Sir