शुक्रिया, उन सभी का जिन्होंने ये वीडियो देख लिया है। उन लोगों को भी धन्यवाद जो ये वीडियो आगे देखेंगे। अभी तक के सभी कमेंट पढ़ें। बहुत खुशी होती है ये देखकर कि निवेशकों में जागरुकता बढ़ रही है। कई कमेंट में इन्फ्लेशन से लेकर कई तरह के सवाल है। सवाल एकदम सही है - बहुत सारे फैक्टर्स को ध्यान में रख का पोस्ट रिटायरमेंट निवेश की प्लानिंग करनी होती है। और हर निवेशक की निवेश स्टाइल, स्ट्रैटेजी, रिस्क लेने की क्षमता वगैरह सब अलग हो सकती है।इसलिए इस वीडियो में हम ये दावा नहीं कर रहें कि ये आईडियल पोर्टफोलियो है। हमारे पास लिमिटेड जानकारी आई- सवाल के रूप में, और हमने उस सवाल के जवाब के ज़रिए एक डायरेक्शन देने की कोशिश की है कि कैसे आप अलग-अलग इंस्ट्रूमेंट्स का सहारा लेकर अपने लक्ष्य तक पहुंच सकते हैं। आपको ये भी आइडिया मिलता है कि आपके लक्ष्य realistic है कि नहीं है। Stay Blessed, Healthy & B Wealthy
Hello madam. If I were 60 years old retired person having 50 lacs savings in my account , I would deploy that in following ratio : 1 Rs 1000000 in crisil AAA rated corporate fd like Shri Ram finance which is currently offering 8.90 percent pre tax yield. But I would not lock this amount for more than one year to decide better option next year as per prevailing lending rates. 2. Rs 1500000 - In scss . purely for the sovereign guarantee , it carries. 3 Rs 2500000 - in two balance advantage hybrid funds and would do swp from that . TBH, this corpus of Rs 5000000 would not survive for too long if equity exposure is not taken . So, if one likes it or not, equity exposure will have to be taken depending upon risk profile of an individual.
बहुत सुंदर वर्णन, जो भी retire होने जा रहे है उनके लिये बहुमूल्य जानकारी. बहुत कम लोग है जो सही तरीकेसे कैसे पैसे का इन्वेस्ट नही कर पाते. आज मै retire होके ७ साल हो चुके है और मेरा इन्वेस्टमेंट SCSC और HDFC बैलेन्स advantages फंड (Dividend) monthly pay out में किया है और आज तक फंड ने धोखा नही दिया है और valuation भी maintained है. SWP idea खराब नही है लेकिन day by day principle amount और units भी कम होते जाते है. वैल्यूएशन मार्केट के बेसिस पर कभी भी कम हो सकता है चाहे सिस्टमैटिक्ली withdrawal हो या डिवीडेंड पे आउट हो. लेकिन professional फंड मैनेजर पूरी कोशिश करते है की फंड का performance अच्छा हो चाहे मार्केट कैसा भी हो और पैसे का churning कैसा हो वे बहुत अच्छे से जानते है. मैडम को फिरसे बधाई इस valuable video के लिये.
@@BWealthy all ok.... the way u used to greet the the person on call , clarify experts advice for the person whose question was being answered..was simply Great... showed the important role & method of a very good host of such Q& A shows.. I am definitely the subscriber of this channel now👍👍👍👍
Madam ji green dress aap ki baate jitani sunder hai utne hi aap bhi sabko gyan dete ho meko achchha lagata hai kyonki gyan jitana mile km hai ..aap se life me bahut kuch sikhne ko milta hai ...nice video no.1
@@BWealthy Pls make a video also in case of Non senior citizen with corpus about 20Lack and no job.Need 10-20k P.m. would be enough ,keeping in mind about protection of principal from inflation and Value too should increase.would b gr8full to You
This is very good video on generating steady return from a conservative portfolio. This should not be confused with retirement planning (RP). RP has to factor in post tax return, medical expense, inflation, family dependencies and lot of other factors.
Madam instead of PMVVY ask him to invest in RBI flexi bond almost equal to PMVVY but with less Lock in period for senior citizen as well as chances for FD rates to be improved over years as RBI is likely to take measures to contain inflation there by increasing CRR and Repo rates.
मै भी आपके जादा तर व्हिडिओ देखती रहती हू और मेरी मा को भी दिखाती हू! मेरी मां 70 साल की है, जो रिटायर्ड टीचर है। हम दोनों मिलके व्हिडिओ पे चर्चा करते है, और मेरी मां के रिटायर्ड मेंट के पैसे मे से उसने यही इंतजाम करा है 2010 मे। उसकी सुझ बुझ की वजह से आज हम लोग आसान जिंदगी जी रहे है! आप का बहोत शुक्रिया की आप हमारी तरह औंर भी कई महिलाओं को साक्षर बना रही है! धन्यवाद।
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 44 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income. Thanks to FIRE movement.
@@NN-og9en iski photo pe click Karo and jo comments dikh rah hai vo padho, yeah sirf kisi bandey ka promotion karne ke liye logon ko gumrah karte hai. Iski chat padho doosre comment ki usme likha ki vo investment advice follow karti hai koi bande ki jo US based hai. Usme ek doosri spam commenter 'Kate burey' bhi hai. Dono ka account same day pe bana hai aise kaise ho skta hai, fake hai saley. Yeah sab bakwas hai yeah angrejo ke spammer hai vo yahan thodi si Hindi google se translate karke and ek fake photo laga ke pagal banane ki koshish karte hai. Thoda jagruk ho jao.
Your thought process is to good, but above this some bussiness online/offline to be develop before retiring which boost moral and mediclaim shall also be included
शुक्रिया, उन सभी का जिन्होंने ये वीडियो देख लिया है। उन लोगों को भी धन्यवाद जो ये वीडियो आगे देखेंगे। अभी तक के सभी कमेंट पढ़ें। बहुत खुशी होती है ये देखकर कि निवेशकों में जागरुकता बढ़ रही है। कई कमेंट में इन्फ्लेशन से लेकर कई तरह के सवाल है। सवाल एकदम सही है - बहुत सारे फैक्टर्स को ध्यान में रख का पोस्ट रिटायरमेंट निवेश की प्लानिंग करनी होती है। और हर निवेशक की निवेश स्टाइल, स्ट्रैटेजी, रिस्क लेने की क्षमता वगैरह सब अलग हो सकती है।इसलिए इस वीडियो में हम ये दावा नहीं कर रहें कि ये आईडियल पोर्टफोलियो है। हमारे पास लिमिटेड जानकारी आई- सवाल के रूप में, और हमने उस सवाल के जवाब के ज़रिए एक डायरेक्शन देने की कोशिश की है कि कैसे आप अलग-अलग इंस्ट्रूमेंट्स का सहारा लेकर अपने लक्ष्य तक पहुंच सकते हैं। आपको ये भी आइडिया मिलता है कि आपके लक्ष्य realistic है कि नहीं है। Stay Blessed, Healthy & B Wealthy
100% agreed 🙂
👍👍🌹🌹🙏🙏
GOD BLESS YOU ALWAYS MA'AM 🙏
सही है
Hello madam. If I were 60 years old retired person having 50 lacs savings in my account , I would deploy that in following ratio :
1 Rs 1000000 in crisil AAA rated corporate fd like Shri Ram finance which is currently offering 8.90 percent pre tax yield. But I would not lock this amount for more than one year to decide better option next year as per prevailing lending rates.
2. Rs 1500000 - In scss . purely for the sovereign guarantee , it carries.
3 Rs 2500000 - in two balance advantage hybrid funds and would do swp from that .
TBH, this corpus of Rs 5000000 would not survive for too long if equity exposure is not taken . So, if one likes it or not, equity exposure will have to be taken depending upon risk profile of an individual.
आपने रिटायरमेंट के बारे में बहुत अच्छे से बताया और इसकी तैयारी कर के रखना चाहिए👍👍
Maine money management me isse behtar channel nahi dekha aajtak
Thanks Swati madam. Now i am aged 58 years. This video is helping me a lot to plan my retirement after 60 years.god bless 👍👌
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बहुत अच्छी जानकारी देती है
Nice & b'ful presentation indeed..
बहुत सुंदर वर्णन, जो भी retire होने जा रहे है उनके लिये बहुमूल्य जानकारी. बहुत कम लोग है जो सही तरीकेसे कैसे पैसे का इन्वेस्ट नही कर पाते.
आज मै retire होके ७ साल हो चुके है और मेरा इन्वेस्टमेंट SCSC और HDFC बैलेन्स advantages फंड (Dividend) monthly pay out में किया है और आज तक फंड ने धोखा नही दिया है और valuation भी maintained है. SWP idea खराब नही है लेकिन day by day principle amount और units भी कम होते जाते है. वैल्यूएशन मार्केट के बेसिस पर कभी भी कम हो सकता है चाहे सिस्टमैटिक्ली withdrawal हो या डिवीडेंड पे आउट हो. लेकिन professional फंड मैनेजर पूरी कोशिश करते है की फंड का performance अच्छा हो चाहे मार्केट कैसा भी हो और पैसे का churning कैसा हो वे बहुत अच्छे से जानते है. मैडम को फिरसे बधाई इस valuable video के लिये.
Nice Idea.. safety with good return opportunity..
Hi Swati, just came across this video...it’s absolutely lovely to see after seeing ur your money years back....
God bless u
Namaste Rajeshwari jee. Happy to read your comment. Hope all is well at your end. Stay Blessed, Healthy and B Wealthy
@@BWealthy all ok.... the way u used to greet the the person on call , clarify experts advice for the person whose question was being answered..was simply Great... showed the important role & method of a very good host of such Q& A shows..
I am definitely the subscriber of this channel now👍👍👍👍
@@rajeshwarihemmadi3229 Thank you so much for the kind words. 🙏
Perfect planning, i would have planned the same way
started seeing video synically and liked it very much after full video. very simple straight forward practical investment plan. well done
Thank you ma'am for making this video. Really helpful as my father has retired recently.
Hello mam great strategies with safe investment after retirment most of the peole wants safe investment options .
nice and crisp
Madam ji green dress aap ki baate jitani sunder hai utne hi aap bhi sabko gyan dete ho meko achchha lagata hai kyonki gyan jitana mile km hai ..aap se life me bahut kuch sikhne ko milta hai
...nice video no.1
Excellent Ma'am All your videos are helpful & no cheating et all .
Useful video. Same corpus(50 lac), age 35, same income(40k) every month. Plz one video more. Thnks God bless you
I have same corpus... same age... PLease suggest some idea
Nice plan and beauty with ineleganc
Very nice and good Suggestion, Information and Advised.
Thanks for sharing valuable information
Thanks for 2 examples
Absolutely true ur video...... since we are going market deflation period so swp is not so favourable, yes yes swp will be beneficial for after 1 yr
Mam you are the best of all Indian advisor ❤️❤️❤️
Very nicely explained. Thanks
Simple and straight ❤
Mam I have invested 15 lacks in hdfc balanced advantage growth fund for swp.
After watching your previous videos. Thanku
Nice effort , May God Bless You
Wow!! Your video shows that you’ve done detailed homework!! Kudos to you!!
Grate good knowledge for retirement person retirement lokganka kafi problem ahe
Very good explanations with considering concepts in logical way. Thanks.
🧐🧐🧐🧐,nicee वीडियो स्वाति जी🙂🙂👌🏻👌🏻🇮🇳🇮🇳🙏🏻🙏🏻🙏🏻
Very very safe, Absolutely clear and straightforward approach. Thanks.
You are great in my view. Exellent desorption. Shandar trika. Real suggestion. Soonly send my asking to you
Mk advocate Alwar
A Detailed and Extremely Educative Presentation As Always explained in an Extremely Erudite Manner. KUDOS...👍
Mam It is very important topic especially for senior citizens Thanks
Thank you for watching the video Dr Jain. Stay Blessed, Healthy & B Wealthy
@@BWealthy Pls make a video also in case of Non senior citizen with corpus about 20Lack and no job.Need 10-20k P.m. would be enough ,keeping in mind about protection of principal from inflation and Value too should increase.would b gr8full to You
Nice. Informative video ma'am
This is very good video on generating steady return from a conservative portfolio. This should not be confused with retirement planning (RP).
RP has to factor in post tax return, medical expense, inflation, family dependencies and lot of other factors.
🔥🔥5 top recession prof stocks to buy now 👉👉th-cam.com/video/lTI7weGfu4E/w-d-xo.html
Aap bahut achhi ho aur main aapka fan hun
@@madanmohanpandit2500 mein bhi Aapka pañkha hun
Madam instead of PMVVY ask him to invest in RBI flexi bond almost equal to PMVVY but with less Lock in period for senior citizen as well as chances for FD rates to be improved over years as RBI is likely to take measures to contain inflation there by increasing CRR and Repo rates.
U r god send for us the poor people . Thanks a lot
Very nice information ty madam...👌👌
Good wealthy information
Very informative
Nice video very useful
Thx retirment sr.citzanko help hoga
Very well explained.....
मै भी आपके जादा तर व्हिडिओ देखती रहती हू और मेरी मा को भी दिखाती हू! मेरी मां 70 साल की है, जो रिटायर्ड टीचर है। हम दोनों मिलके व्हिडिओ पे चर्चा करते है, और मेरी मां के रिटायर्ड मेंट के पैसे मे से उसने यही इंतजाम करा है 2010 मे। उसकी सुझ बुझ की वजह से आज हम लोग आसान जिंदगी जी रहे है! आप का बहोत शुक्रिया की आप हमारी तरह औंर भी कई महिलाओं को साक्षर बना रही है! धन्यवाद।
Happy Lohri mein thanks aapka video bahut achcha hai
Excellent presentation.
I would consider annuties as well. For guranteed income, those are necessary part of investments.
Very relevant and useful information.
SWP was a great option which is not known by most of persons.
Nice presentation.
Thanks swathi ji
Good very useful information thank you madam
Very informative video ... Thanks a lot ❤❤......
Mam please suggest HDFC balance advantage mein invest karna chahiye
best conservative strategy 👌
What a solution Mam , great👍👍👍👍
Wonderfully explained Madam. It will be extremely beneficial for the people who are retiring.
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Very nicely explained. You look graceful and beautiful ❤️
स्वातीजी आपबहुत सुन्दर हैं और जमा की जानकारी भी आपने बड़ी ही खूबसूरती से दी। धन्यवाद।
Thanks for useful information.
.
Very nice explain thanks madam 👍👍🙏🙏
Very good 👍
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 44 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income.
Thanks to FIRE movement.
Who r u. How u achieved 24 cr mam. Plz tell
@@mutualfund10 bot comment hai, spammer hai.
@@raghavbhatnagar551 dear Raghav, pls tell how to identify if it's Bot message n not real.
@@raghavbhatnagar551 spammer kaun hote hai..n ese message kyu bhejte hai ?
@@NN-og9en iski photo pe click Karo and jo comments dikh rah hai vo padho, yeah sirf kisi bandey ka promotion karne ke liye logon ko gumrah karte hai. Iski chat padho doosre comment ki usme likha ki vo investment advice follow karti hai koi bande ki jo US based hai.
Usme ek doosri spam commenter 'Kate burey' bhi hai. Dono ka account same day pe bana hai aise kaise ho skta hai, fake hai saley.
Yeah sab bakwas hai yeah angrejo ke spammer hai vo yahan thodi si Hindi google se translate karke and ek fake photo laga ke pagal banane ki koshish karte hai.
Thoda jagruk ho jao.
Thank you so much madam, very useful one
Good suggestion
too good in explaination
Nicely explained madam.
Thanks with regards🙏
Great video 👍
Your videos are excellent🎉keep it up. May God give you happy and prosperous life.
Good suggestions
Superb information medum
Very nice vdo
Very well explained as usual
Great to see you again madam .I am great fan of urs used yo see ur program on TV on regular basis .Always straight forward and clear cut guidline.
good approach
Suberb Madam, appreciate your efforts
Very good video.
Very good information
Mmtewary,Patna
Your understanding is admirable.
Can you elaborate some more about swp
Thanks This vedio very useful for senior citizens investment ideas like me.
My investment is 80% in debt like scss ppf pmvvy ect.20% in MF. I m 64
Thank you for watching the video and commenting Suresh Jee. Stay Blessed, Healthy & B Wealthy
Recently I also invest in RBI Flexi cap bond
Very nice explenetion
Good tips
Nice clip
Thank you for the information 👍
Thankkkkuuuuu so much swati ma'am. Good information 👍👍👍
Please do an updated version of this question. How would you do it today, with scheme limits and interests changed?
Nice Swati Ma'am...thanks
Thanks for detailing.
Thank you very much. Very nicely explained.
nicely explained...thnx
You are getting prettier day by day....
Good channel
क्या बात है mam बहोत जबरदस्त है 👍
Swati ji
One can also opt fr RBI floating interest rate bond carrying yield of 7.14%
Very good advice.
Wonderful ❤❤❤
Thanks for honest guidance!
Your thought process is to good, but above this some bussiness online/offline to be develop before retiring which boost moral and mediclaim shall also be included