I do invest 90% of my monthly income to various investment types & created a corpus of 1.5 Cr + constructed own house in my hometown in 8 years of my work experience. I started with 6k per month stipend in bangalore
@@universalinformation572 if you have financial discipline & respect towards money this is possible Else even with 1CrPA income you cannot save anything
@@freshnews3171antha intha time kadhu yendhuku antey present rent ki thatukoleka loan petu thesukuntunaru okavela resale house velthey present rates chepthunaru so ola property ki present rate badhulu new property ki rate petidhey manchihi kada ani
Home loan is a trap... Unfortunately every corporate employee is getting into it... Daridram aenty ante, willu chala confident ga, chala proud ga feel awthunnaru...
House konukodamee jeevitam kadu...evarni chusina loans antunnaru edi correct paddati kadu...kontha money save chaskoni...polalu oo..flats oo konali or else gold aiyna...entiki em tondara ledu..maha aite 15-20 k vuntadhi rent anthe ga..danikosam..2 cr or 1 cr tho kadatam entha varukku correct..pillalu settle aieaka or invest chesina land nundi or gold nundi konavachu...enka telivi vunte aa dobbulu tho hotel katti rent ki eachina super ga vuntundhi@@tejentertainmentvideos7581
Bro. House teesukovali eppudaina. Ippuudu teesukokapothey tarvatha konni years ki ayina a pressure untundhi. Life long house search cheyalevu even if you have money in hand.
@@gowthammodepalli7858 once you reach investments 1cr+ ( shares / mf) then go for home loan. 1cr home loan ki vellina approx 80k per month pay cheyali EMI 1cr investment nundii returns approx 1L per month… so safe zone to take home… Ea investments lekunda home loan ki velthe block avtharu.
Guys, let's calm down. Everyone needs a place to call home, whether it's bought outright or through a home loan. Ultimately, owning a home is important. Renting has its challenges. I personally struggled as a tenant and decided to buy a flat using a home loan. If I'd waited to save up for a full cash purchase, I might have gone crazy dealing with today's landlords. So, buying a home is a personal decision; there's no one-size-fits-all answer.
After 25years really 60k is not worth because even today 40k to 60k is not sufficient for a middle class life style. Even some companies are not providing inflation percentage hikes. Now we should increaae income to invest more
Why all are keeping bad comments? He is telling naa he is having other properties. May be his wife also will have some properties. His father is a govt. Employee. They will get pension
Nenu 2015 lo Miyapur daggara 160 sq yards house tisukuna 21lakhs down payment and 27 lakhs loan with interior naku 54 ayyindi. 2022 ki home loan close chesa ippudu naa second investment ki chustune 50 lakhs down payment chesina inko 1cr loan tisukovali.
no need brother ఒక ఇల్లు చాలు మిగతా ఇన్వెస్ట్మెంట్ రాజధాని అమరావతి లో ట్రీ చెయ్యి తక్కువకే వస్తుంది... అప్పులు లేనివాడే కోటీశ్వరుడు...థింక్ twice.... ఎందుకంటే ప్పులకోసం బ్ర తుకుతున్నారు గాని సంతోషం కోసం బ్రతకటంలేదు
Nice work chandu... Your show looks similar to finance with sharan shows/interviews... But anways, your show is in our mother tongue telugu... Great... Good going and all the best
puttatam, peragatam, education and job and buying someting etc.. and saving ..mean while age is >60 yrs .. the main purpose of life lauging from the carner .. it includes with me as well
Purpose of life is living with ur soulmate anywhere , not working especially not working . In old days both wife n husband n even kids or even closest sistes or brother work in same places farms and come together go together, work only two months in year , rest of the days they plan festivals, visitings marriages occations , that's life. What we are doing now is not life. It's slavery to banks , real-estate owners and corporate companies. The bad n worst part now a days is young guys who are from 18 to 35 are staying single without having partners n happy life. All humans have become resources.
Broo needi nadi okey kadha a)age :33 b) father police tried SI because of bifurcation joined in it C) salary also same D) 2 years baby E) kani nenu home buy cheyaledu brooo because 1.5 cr (50l apartment ki ekkuva ani na feeling,may be i'm wrong)
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Hi brother, as per my knowledge invest 5,000 in mutual funds and pay 15,000 (Out of 20,000) monthly for Sukanya samrudhi for baby for higher studies. Mutual funds are subjected to market risk. In future you can invest for money back policies for your baby. Unmarried people can invest in mutual funds and take risk. When you are a family person every year your responsibilities will grow and won’t say to take risk. For baby girl you invest in gold every month some amount.
If you are referring to money back policy, which is endowment policy, which is not at all recommended. Market is risky in short term by in long term , it will reward. Also we need to invest in safe assets like epf, ssy,ppf and some part into risk investments. But endowment policies and ULIP are worst kind of investment one can take.
Now in recent days living 60 years 50 50 chance Suggest how can we get more returns in 5 to 10 years and live happily by chosing passion So suggest hownto earn in 5 to 10nyears
1) he have to close his high interest loans first and every year increase his emi by atleast 5% or prepay 1 month emi (he can use his bonus amount for that) this will reduce total repayment drastically. 2) health insurance of 8-10 lakhs for a family is pretty less one corona can wipe of everything as it will also have co-pay. He definitely need to get super top up on it for atleast 50lakhs which come for 3-4k. 3) aa mutual funds enti bro al chepaav goal based investing anedi cheyaali thana daughter education goal 15 years so daaniki entha percentage pettaali retirement ki ppf elago undi kaabatti seperate ga entha pettaali vere fund lo child marriage ki seperate fund lo entha pettaaali chaala time undi kaabatti thakkuva pettachu. And emergency fund corpus ledu bayya ki so atleast 3 months expenses daaachaali kindano meedano padi. Lekapothe enni plans vesina waste oka month uncertainty vasthe all gone. So he has bring down his emis drastically and quickly in his prime years only. Anyways it was nice one bro.
Agreed. Thank you. We can have goal based investments. But are we really going to use the same funds for the same purpose. First and foremost, we need to invest good amount in SIPs so that wealth will be created. Once you have good corpus, you can use it for any purpose. Also he has plans to repay 40-50 lakhs of home loan in next 2 years with the real estate returns he is going to get.
Ante anna na aalochana enti ante without goal manam invest chesinapudu manaki chinna kastam vacchina aa money vaipe velthay eyes ade manam fixed goal ki link chesthe manaki oka bayam and responsibility untadi adi muttukovaddu aa amount ni ani...
brother, ur father what he did? in his generation? minimum 50% down payment remaining 50% loans doing thats good approach... also 6 months emergency fund. all these must
Repaying home lone and reducing tenure is shit idea...... instead of repaying the home loan its better to invest in stocks and mutual funds which gives more than 15% returns
When Home loan tenure is 30 years, it is always advisable to get it under control. When tenure is under 20 years, I wont recommend repayment of lumpsum.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
I bought a house for 15L , sold it at 30, then bought a house at 70L , sold at 2C, then i sold 2C house and bought 4 flats for 50L. Now i am not working.
Hi my salary is 80k and expenses are 1.2 lacks 1. Personal loan 19K 2 Rural plot loan (village) 16K (including insurance) 3 Rural plot loan (village) 10K (including insurance) 4. Room rent 15K 5. Car loan 9K 6. Only very expensive is credit card monthly one HDFC 35K + SBI 30 K i want to buy house or flat in Hyderabad please suggest me 🙏🙏🙏🙏🙏🙏🙏
Why you have taken multiple plots when you have plan to purchase a home. Before you buy a loan, make sure you have 20% of down payment with you along with money for registration money and GST. Make sure your expenses and loans together constitutes to not more than 70%. Make sure Loans are less than 40-50% of your income.
His home loan interest is 9%, which can easily be brought down to 8.3% by balance transferring to another bank. This will bring down tenure by 6 years straightway
It was very good iniiation to make videos regarding the real life senarious. It was really helpful for the people who wants to lead their life in secure way. Really appreciated.
With 90% of expenses and managing with little bit savings with his coolness is getting doubt, did he have any emergency funds? Did he or his family have asserts? Did he getting any other sources of income?
He invested in real estate and he has good support from his family members. First happy point is, he has health insurance for his family and for his parents. Now he started his investments in stock market.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendra might be he took home loan first next the other loans? The bank will check that 40% of the salary can be go for emi, as per the banking person updates. But still how he got two house loans is my doubt
Worst advise is pre-closing home loan, instead of that invest in mutual funds for 12% and pay 9% for home loan and take 3% profit, always prefer home loan with 30 to 40 years because mutual funds give compounded returns with increasing years.
Theoretically that is correct but a person taking a home loan at 30 yeas of age need to carry the same debt till his 70 years. Also you need to look at the practical aspect of it. In India , most of the people who have long term view in mutual funds will sell their holdings in middle due to some cash emergency. If that happens, there wont be the benefit of compounding and this entire process of 40 years loan concept goes to waste. As a thumb rule, make sure to have home loan under controlled tenure, like 20-25 years. Now a days people cant even work till their 50's age because of long working hours and stressful life style.
@@PersonalFinancebyChandu correct, in my case I am constructing home with 60L, I have 60L money in hand now instead of spending money on home I am investing in MF for 12% cagr so I get 60K per month profit avg, now I am taking home loan for 60L with 30 years for 50K EMI, my MF avg gives 60K I paid EMI with MF profit and it tax free also because of home construction 10K is profit I won’t withdraw that 10K, after 30 years my corpus become huge also my home loan completes, now I have my own money and also home
@@trinathanantham8755 Here you have 60 lakhs corpus. This is different compared to doing a SIP. If I am in your situation, I will use 20 lakhs from my corpus and go for a loan of 40 lakhs for 20 years and I am going to invest the 40 lakhs in 2 year tenure with a SIP format so that I will get best average. If my 40 lakhs with 2 year SIP gives a 12% return, I will make 3.5 Cr in 20 years.
Guys dont take home loan or any loan on depending software or any job. Because, if you have loans based on job you can not resign or quit job immediately if you are facing issue within the work place by superior or anything else. So those companies or superiors will take it an advantage or take u for granted, disrespect starts and never ends. Dont fall in these traps. Stay on rented places and buy house in area where you wanted to stay after retirement. Plan your retirement only in ten years , not more than that. We cant work for long time.
Naku oka doubt..meeru 30 years home loan ni 40 years ki convert chesukoni..migilina amount ni sip lo pedithey 10 years ki 1 crore avuthundhi..meeru danitho home loan clear cheyochu kadha...same meeru ichina sip calculation prakaram
Ledu andi. It is very wrong thinking. First we need to close the debts as soon as possible. If we extend the loan from 30 to 40, the interest payable will be 3-4 times the principle. There will be reverse compounding effect. We need to afford home loan for only 20 years as max tenure. Else we need to buy a lower value house.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
because land is appreciating but building is depreciating. On a whole, Buying Apartment with less UDS and interiors cost, Maintenance and low rental yield considered as expense
I wanted to expose to nifty 100 stocks and I nifty next 50 is mostly large cap. Hence I consider it as less risk. But I agree on your point of having mid cap. As per ones risk appetite, we need to include small mid and large cap funds in proportion to risk appetite.
He made few real estate investments. He is going to repay 40-50 Lakhs in 2 years as Lumpsum and close the entire home loan in 12-15 years. Hope everything he planned works out well and have a peaceful life.
@@PersonalFinancebyChandunot easy we say brother. Real estate is iliquid. Taxes and what not on capital gains. What is your personal opinion? Do you think paying a house loan EMI of almost 70% is better or going for rent?
@@universalinformation572 In terms of financial planning, theoretically, going for a rented house and investing remaining amount in mutual funds is the best. But buying a house is an emotional decision. But we need to keep in mind the budget for buying a house. But as you said, real estate had big liquidity issues
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
@@PersonalFinancebyChanduwhy he needs to repay the home loan? Home loan emi rate if interest max 10% lope vuntadii.. instead of repaying amount for home… he can invest the same amount in MF / shares .. and can expect 12 to 15% returns… Paying 75k per month as emi is hard for next 3 to 5 yrs… salary increase avthadii but house emi same vuntadiii kadaaa…
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Buying a house is not only logical decision. We also need to consider emotions as well. But we always need to plan the EMI and monthly budgeting. Let's educate everyone on financial awareness.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Reality lo 50 years 60 years erojullo work cheyyadam kastam . Sip 25 years plan anedhi worst plan . Chuddaniki returns bane untai kani manam 50 years varaku idhe job idhe salary undatam kastam
I have seen people who did investments for long term. I know responsibility increases over time. But who ever does it consistently will have very good wealth.
@@PersonalFinancebyChandu whatever you said is correct sir kani entha mandhi 25 30 years cheyyagalaru anedhi imp ikkada. 31 vallaki inko 30 ante impossible .we should encourage people to increase sip and retire early . 25 years mind lo unte antha easy anipisthundhi. Kani andaru 50 years job cheyadam kastam
Waste of purchasing flat for 1+cr that too with loan ... Its so hard to listen..his intrest amount will be more than his actual payment. That too for 30yrs. I mean untill he come to 60yrs.OMG. what abt his daughters schooling health and other stuff.😮
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
As he is medical insurance is secured, he need to concentrate on corpus building. Kids school fees comes in 5 years for Swaroop and meanwhile he can build corpus. As he is nearer to school age, he need to reassess his budget to accommodate the school fees. If he starts his SIP sooner, he is going to have compounding effect in his retirement fund. Hence start investment as soon as possible.
Compounding depends on market inflation. Let say he started with 10k as SIP for 3 years may be it will be max 5 lakhs. May be his kids starts after 2 years from that reduce some 1 lakh. In this basis how can he sustain and also some point he wants to change his car due to unforeseen reasons what is his backup. Literally sometimes formulas works without any bottlenecks.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
You are in the middle class trap. I don't see any better option than selling a 1.5cr house. Repay the complete loan amount and stay in luxury apartment for rent(you can show this in IT) . Rental yield is very less in andhra/telangana. Try to invest 80k sip in index mutual funds.
Government should develop good government schools and hospitals in cities other wise people will suffer a lot in coming years .. every one sell their properties for children study and hospitals …ask government develop gov schools and hospitals …
Chandu why you are taking people from scratch in investments Take the people who are in middle of investments or take the people who are in fully investments Waste of time you educate the scratch content Moral --you giving same moral for every video for every different stories Thanks Bk
Sure . In the first three episodes, people started their investment journey. It will add value to their family in long term. But going forward, will include mix of people. If you are interested, please fill the form to participate in salary secrets.
You’re suggesting 5 sips with 15k pm which is wrong approach He needs to save as emergency expenses Nifty lo invest ani evadaina cheptadu which is wrong Worst suggestions istunaru meru Generic cases will not applicable for everyone
School fee undi ani kuda u r asking to invest 80% of his remaining savings i.e, 15k Wrong approach First he need to work on increasing the income That’s the only way
Hello . Thank you for your inputs. I did suggest a variety of mutual funds to Swaroop (Nifty, Nifty Next 50, Flexi cap, Two small cap funds and two mid cap funds) along with fund names after thorough analysis . He is going to start his investment journey soon. Btw, His emergency fund is set in his Wife's account (Couldn't include it in video due to Audio/Video issues). Also on 15k investment(80%), He still have 5 years before his daughter joins any school. Always invest first and then spend the rest. When he invests 15k in a month, he is going to cutdown some expenses in Eating out, Shopping and others. I am really happy to see financial awareness.
No. She used to work before marriage and she is not working now. I have met her and spoke for sometime. Swaroop is making his best efforts to control the expenses and he need a way forward in the financial markets.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Pure Copay of Fix your Finace with Anshuman hindi channel....but not up to that mark. still needs more technicalities in finance. Try to watch fix your finance with Anshuma.... then you will know how to advice.
Anushman ,Sharan and Warriko are the leading influencers and I agree I took inspiration from them. I want it to reach more telugu people. I also concentrate on personal finance , Stock market and Mutual fund analysis concepts as well.
Return percentage lo mutual fund better. But Sukanya Samruddi lo money veseste , money maturity varaku withdraw cheyyalem. But MF lo easy ga tiseyachhu
Brother.. mutual funds lo 12 percent per annum ante per month 1 percent growth kadaa it's small bro ..i have invested in sbi small cap gave me return more than near about 40 percent in 1 year @@PersonalFinancebyChandu
Koddi rojulu dentlo aina invest cheyalsindi....money. job pote okasari imagine.....crypto lo invest cheskondi.....october 2024 to July 2025 is good time to hold.
Sir sir please repky sir please please 🙏 help …. Actually 2weeks nundi online and youtube motham dandayatra chesanu because i have 5L money and i have 2 children’s … 2.5y and 5months old boys … vala future kosam 20y ki invest cheyali so please miru e video chepina MF names chepadi sir nen 1L each lumpsum chesta for now … future lo i will increase it but please sir athaniki chepina ah 5 stocks chepandi sir nen invest chesukunta ma kids kosam please
Hello @SairamV17 , If it is me , I don't invest bulk amount in stocks and mutual funds. Put the 5 Lakhs amount in a FD where you can make flexi withdraws without any extra charges (Small finance banks usually provide higher returns up to 8%). Invest every month 20-30-40 thousand(your choice) and distribute it into (one Nifty 50,one Nifty next 50, one flexi cap, 2 small cap funds and two 2 mid cap funds). Also if you can find any good long term stock, you can invest in them as well. And as you mentioned it is for you kids, you can create a zerodha / Demat account for minors (I did it for my daughter) and I am transferring shares, ETFs and Mutual funds to my daughter account every month / Once in a while. please reach out to collabwithchandu@gmail.com for any other detailed information.
Please send out email to collabwithchandu@gmail.com Or DM me in instagram instagram.com/personalfinancebychandu/ If you want to participate in salary secrets, please fill the form here. forms.gle/6moKvaWdoxoecdm37
It is not as easy as it looks. There will be 12-15 hours of work every day with lot of deadlines and targets. There will be lot of mental pressure for a software people.
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How much will you charge for financial advise?
I do invest 90% of my monthly income to various investment types & created a corpus of 1.5 Cr + constructed own house in my hometown in 8 years of my work experience.
I started with 6k per month stipend in bangalore
Very good. Make sure you are investing in proper good investments
Can you please share your investment strategies this would help others . Thanks
@@kovvuriGopalKrishnaReddy not possible unless you are making 50LPA +. Very unrelastic numbers.
@@universalinformation572 when you have discipline & respect towards money it is possible
else it is not possible even with 1cr package
@@universalinformation572 if you have financial discipline & respect towards money this is possible
Else even with 1CrPA income you cannot save anything
First school fees ki save చేసుకోమను. లేకపోతే ఆస్తులు అమ్ముకోవాలి..
😂😂😂😂😂😂
True
Already ammukunnamuuu
Ippudu nana sankalu naaku thunnamuuu
Reality
నా ఉద్దేశం ప్రకారం house సేల్ చేసి రెంట్ కి ఉండటం చాలా మంచి పని.... అన్ని ప్రోబ్లమ్స్ clear ఐపోతాయి...
Amite konevallu vundaru bro.
@@srinivasaraosanku7852 😄 yes time పడుతుంది నేను sis ని bro...
@@srinivasaraosanku7852 time పడుతుంది... కానీ 30 ఇయర్స్ emi pay చెయ్యడం కన్నా సేల్ చెయ్యడం మంచిది
@@freshnews3171antha intha time kadhu yendhuku antey present rent ki thatukoleka loan petu thesukuntunaru okavela resale house velthey present rates chepthunaru so ola property ki present rate badhulu new property ki rate petidhey manchihi kada ani
@@MyTalks-on8gy అంత పెద్ద house అనవసరం..
Home loan is a trap... Unfortunately every corporate employee is getting into it...
Daridram aenty ante, willu chala confident ga, chala proud ga feel awthunnaru...
Mari em cheyali house epudu konali
House konukodamee jeevitam kadu...evarni chusina loans antunnaru edi correct paddati kadu...kontha money save chaskoni...polalu oo..flats oo konali or else gold aiyna...entiki em tondara ledu..maha aite 15-20 k vuntadhi rent anthe ga..danikosam..2 cr or 1 cr tho kadatam entha varukku correct..pillalu settle aieaka or invest chesina land nundi or gold nundi konavachu...enka telivi vunte aa dobbulu tho hotel katti rent ki eachina super ga vuntundhi@@tejentertainmentvideos7581
Bro. House teesukovali eppudaina. Ippuudu teesukokapothey tarvatha konni years ki ayina a pressure untundhi. Life long house search cheyalevu even if you have money in hand.
I agree… but in India house became a necessity.
@@gowthammodepalli7858 once you reach investments 1cr+ ( shares / mf) then go for home loan.
1cr home loan ki vellina approx 80k per month pay cheyali EMI
1cr investment nundii returns approx 1L per month… so safe zone to take home…
Ea investments lekunda home loan ki velthe block avtharu.
Guys, let's calm down. Everyone needs a place to call home, whether it's bought outright or through a home loan. Ultimately, owning a home is important. Renting has its challenges. I personally struggled as a tenant and decided to buy a flat using a home loan. If I'd waited to save up for a full cash purchase, I might have gone crazy dealing with today's landlords. So, buying a home is a personal decision; there's no one-size-fits-all answer.
Ithanu extreme luxury chose cheskovadam intha tough situation vundi. Edo oka investment clear chesi monthly emi commitment thagginchukovadam better
After 25years really 60k is not worth because even today 40k to 60k is not sufficient for a middle class life style. Even some companies are not providing inflation percentage hikes. Now we should increaae income to invest more
Bro e video tho full clarity vochindii Naku na future ento na salary 15000
Why all are keeping bad comments? He is telling naa he is having other properties. May be his wife also will have some properties. His father is a govt. Employee. They will get pension
Nenu 2015 lo Miyapur daggara 160 sq yards house tisukuna 21lakhs down payment and 27 lakhs loan with interior naku 54 ayyindi. 2022 ki home loan close chesa ippudu naa second investment ki chustune 50 lakhs down payment chesina inko 1cr loan tisukovali.
no need brother ఒక ఇల్లు చాలు మిగతా ఇన్వెస్ట్మెంట్ రాజధాని అమరావతి లో ట్రీ చెయ్యి తక్కువకే వస్తుంది... అప్పులు లేనివాడే కోటీశ్వరుడు...థింక్ twice.... ఎందుకంటే ప్పులకోసం బ్ర తుకుతున్నారు గాని సంతోషం కోసం బ్రతకటంలేదు
Nice work chandu... Your show looks similar to finance with sharan shows/interviews... But anways, your show is in our mother tongue telugu... Great... Good going and all the best
Thank you so much 🙂
puttatam, peragatam, education and job and buying someting etc.. and saving ..mean while age is >60 yrs .. the main purpose of life lauging from the carner .. it includes with me as well
Enti main purpose u mean
@@drkk3199 living like Yogi and peasfully
Need spiritual awakening@@drkk3199
Purpose of life is living with ur soulmate anywhere , not working especially not working .
In old days both wife n husband n even kids or even closest sistes or brother work in same places farms and come together go together, work only two months in year , rest of the days they plan festivals, visitings marriages occations , that's life. What we are doing now is not life. It's slavery to banks , real-estate owners and corporate companies. The bad n worst part now a days is young guys who are from 18 to 35 are staying single without having partners n happy life. All humans have become resources.
Broo needi nadi okey kadha
a)age :33
b) father police tried SI because of bifurcation joined in it
C) salary also same
D) 2 years baby
E) kani nenu home buy cheyaledu brooo because 1.5 cr (50l apartment ki ekkuva ani na feeling,may be i'm wrong)
True
Hope you have started investment journey(Mutual funds).
Please subscribe for more information.
Made a good decision andi. Don't fall into EMI trap. IT jobs are not so dependent. Definitely not for 20-30 years. Invest and stay happy
Good
Betterenjoy in rented houseand do proper investment
why people are loosing minds while seeing a big flats instead they should able to see a heavy and high fees debt
he politely disclosed all personal financials............hope viewers make use of it
Don't trap in own house emotion, and don't get lifetime debt
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendracouple కి కలిపే 1.6L ఏమో అండి.
They took combine loan husband and wife
We need promotions, not emotions…
Correct @@NeerajRaghavendra
Hi brother, as per my knowledge invest 5,000 in mutual funds and pay 15,000 (Out of 20,000) monthly for Sukanya samrudhi for baby for higher studies. Mutual funds are subjected to market risk. In future you can invest for money back policies for your baby. Unmarried people can invest in mutual funds and take risk. When you are a family person every year your responsibilities will grow and won’t say to take risk. For baby girl you invest in gold every month some amount.
If you are referring to money back policy, which is endowment policy, which is not at all recommended.
Market is risky in short term by in long term , it will reward. Also we need to invest in safe assets like epf, ssy,ppf and some part into risk investments.
But endowment policies and ULIP are worst kind of investment one can take.
Now in recent days living 60 years 50 50 chance
Suggest how can we get more returns in 5 to 10 years and live happily by chosing passion
So suggest hownto earn in 5 to 10nyears
1) he have to close his high interest loans first and every year increase his emi by atleast 5% or prepay 1 month emi (he can use his bonus amount for that) this will reduce total repayment drastically.
2) health insurance of 8-10 lakhs for a family is pretty less one corona can wipe of everything as it will also have co-pay. He definitely need to get super top up on it for atleast 50lakhs which come for 3-4k.
3) aa mutual funds enti bro al chepaav goal based investing anedi cheyaali thana daughter education goal 15 years so daaniki entha percentage pettaali retirement ki ppf elago undi kaabatti seperate ga entha pettaali vere fund lo child marriage ki seperate fund lo entha pettaaali chaala time undi kaabatti thakkuva pettachu. And emergency fund corpus ledu bayya ki so atleast 3 months expenses daaachaali kindano meedano padi. Lekapothe enni plans vesina waste oka month uncertainty vasthe all gone.
So he has bring down his emis drastically and quickly in his prime years only.
Anyways it was nice one bro.
Agreed. Thank you.
We can have goal based investments. But are we really going to use the same funds for the same purpose.
First and foremost, we need to invest good amount in SIPs so that wealth will be created. Once you have good corpus, you can use it for any purpose.
Also he has plans to repay 40-50 lakhs of home loan in next 2 years with the real estate returns he is going to get.
Ante anna na aalochana enti ante without goal manam invest chesinapudu manaki chinna kastam vacchina aa money vaipe velthay eyes ade manam fixed goal ki link chesthe manaki oka bayam and responsibility untadi adi muttukovaddu aa amount ni ani...
@@karthiksistla1067 I agree with you completely.
brother, ur father what he did? in his generation? minimum 50% down payment remaining 50% loans doing thats good approach... also 6 months emergency fund. all these must
Repaying home lone and reducing tenure is shit idea...... instead of repaying the home loan its better to invest in stocks and mutual funds which gives more than 15% returns
When Home loan tenure is 30 years, it is always advisable to get it under control. When tenure is under 20 years, I wont recommend repayment of lumpsum.
close all loans before age 50.
Edanna karchulu kavalante ela ee budget lo? Jeevithamantha pani chesthe aakariki aa bedroom thappa emi miguluthundi? Try to do Business also
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
software employee dabbulu anni Realestate deggara untayi
Naa opinion ga bank loan tisukoni house kani anything tisukovadam vadu oka month katakapoyina dammu chestaru faltu galu howla galu bank vallu
Wrong guidance. He should first focus on closing personal loan and other loans to reduce monthly payment. Then he can focus on investment.
Personal loan will be closed in few months. I think 1-2 months. Please watch the complete video sir.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendravalla wife kuda working bro
@@NeerajRaghavendrayeah wife salary hide chesaru
@@PersonalFinancebyChanduvalla wife salary enduku hide chesaru bro
This is not a proper financial planning if hiding anything
1.5 cr ammesi, 30-40 L apartment konuko bro
I bought a house for 15L , sold it at 30, then bought a house at 70L , sold at 2C, then i sold 2C house and bought 4 flats for 50L. Now i am not working.
Hello sir, Mee plans konchem cheppagalara
nice story..fake ..ala profits vasthe no one will work. just buy and sell. desham motham mee broker galle untaru.
@@rama18ification it's true but it happened in 2015 to 2018 in Hyderabad
Hi my salary is 80k and expenses are 1.2 lacks
1. Personal loan 19K
2 Rural plot loan (village) 16K (including insurance)
3 Rural plot loan (village) 10K (including insurance)
4. Room rent 15K
5. Car loan 9K
6. Only very expensive is credit card monthly one HDFC 35K + SBI 30 K
i want to buy house or flat in Hyderabad please suggest me 🙏🙏🙏🙏🙏🙏🙏
Why you have taken multiple plots when you have plan to purchase a home. Before you buy a loan, make sure you have 20% of down payment with you along with money for registration money and GST.
Make sure your expenses and loans together constitutes to not more than 70%.
Make sure Loans are less than 40-50% of your income.
@@PersonalFinancebyChandu thanks
@@PersonalFinancebyChandu it's all future investment only
His home loan interest is 9%, which can easily be brought down to 8.3% by balance transferring to another bank. This will bring down tenure by 6 years straightway
Yes. He is in talks with existing bank to reduce the interest rate to at least 8.5. If not he can plan on transferring the loan to a different bank.
It was very good iniiation to make videos regarding the real life senarious. It was really helpful for the people who wants to lead their life in secure way. Really appreciated.
Thank you
With 90% of expenses and managing with little bit savings with his coolness is getting doubt, did he have any emergency funds? Did he or his family have asserts? Did he getting any other sources of income?
He invested in real estate and he has good support from his family members. First happy point is, he has health insurance for his family and for his parents.
Now he started his investments in stock market.
Understand he is not fully in danger zone
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendra might be he took home loan first next the other loans? The bank will check that 40% of the salary can be go for emi, as per the banking person updates. But still how he got two house loans is my doubt
Informative videos, Financial traps medha video cheyandi, Like early ga house purchase cheyadam without term/insurance policy
Sure andi. I will plan a video on it
Excellent video. With best quality. Respect.
Thank you
Worst advise is pre-closing home loan, instead of that invest in mutual funds for 12% and pay 9% for home loan and take 3% profit, always prefer home loan with 30 to 40 years because mutual funds give compounded returns with increasing years.
Theoretically that is correct but a person taking a home loan at 30 yeas of age need to carry the same debt till his 70 years. Also you need to look at the practical aspect of it. In India , most of the people who have long term view in mutual funds will sell their holdings in middle due to some cash emergency. If that happens, there wont be the benefit of compounding and this entire process of 40 years loan concept goes to waste.
As a thumb rule, make sure to have home loan under controlled tenure, like 20-25 years.
Now a days people cant even work till their 50's age because of long working hours and stressful life style.
@@PersonalFinancebyChandu correct, in my case I am constructing home with 60L, I have 60L money in hand now instead of spending money on home I am investing in MF for 12% cagr so I get 60K per month profit avg, now I am taking home loan for 60L with 30 years for 50K EMI, my MF avg gives 60K I paid EMI with MF profit and it tax free also because of home construction 10K is profit I won’t withdraw that 10K, after 30 years my corpus become huge also my home loan completes, now I have my own money and also home
@@trinathanantham8755 Here you have 60 lakhs corpus. This is different compared to doing a SIP.
If I am in your situation, I will use 20 lakhs from my corpus and go for a loan of 40 lakhs for 20 years and I am going to invest the 40 lakhs in 2 year tenure with a SIP format so that I will get best average.
If my 40 lakhs with 2 year SIP gives a 12% return, I will make 3.5 Cr in 20 years.
Guys dont take home loan or any loan on depending software or any job. Because, if you have loans based on job you can not resign or quit job immediately if you are facing issue within the work place by superior or anything else. So those companies or superiors will take it an advantage or take u for granted, disrespect starts and never ends. Dont fall in these traps. Stay on rented places and buy house in area where you wanted to stay after retirement. Plan your retirement only in ten years , not more than that. We cant work for long time.
Naku oka doubt..meeru 30 years home loan ni 40 years ki convert chesukoni..migilina amount ni sip lo pedithey 10 years ki 1 crore avuthundhi..meeru danitho home loan clear cheyochu kadha...same meeru ichina sip calculation prakaram
Ledu andi. It is very wrong thinking.
First we need to close the debts as soon as possible.
If we extend the loan from 30 to 40, the interest payable will be 3-4 times the principle. There will be reverse compounding effect.
We need to afford home loan for only 20 years as max tenure. Else we need to buy a lower value house.
Is his wife’s income doesn’t play any role in planning finances.?
She is not working as of now. Hence there is no income.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
House ki jeetham jeevitham ankitham cheseyyalemo 75% of earnings are going there only.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
Nice video anna elanaina financial knowledge spread avutadi good work 🎉❤
Thank you brother.
Why is home loan considered as an expense and not as an investment?
because land is appreciating but building is depreciating. On a whole, Buying Apartment with less UDS and interiors cost, Maintenance and low rental yield considered as expense
Need this type of personal finance videos bro
Definitely . Thank you
Nifty Next 50 is not low risk and low return...its high risk and high return..Instead i suggest to go with some flexi and multicap funds
I wanted to expose to nifty 100 stocks and I nifty next 50 is mostly large cap. Hence I consider it as less risk. But I agree on your point of having mid cap. As per ones risk appetite, we need to include small mid and large cap funds in proportion to risk appetite.
I completely agree with you..I am also a techie guy with passioned about MF...MFD Also...@@PersonalFinancebyChandu
Nifty 200 moment 30 index
Best return s
Stuck for another 32 years. Job pote bank illu auction pedutundi. Worst planning ever. No peace of mind
He made few real estate investments. He is going to repay 40-50 Lakhs in 2 years as Lumpsum and close the entire home loan in 12-15 years. Hope everything he planned works out well and have a peaceful life.
@@PersonalFinancebyChandunot easy we say brother. Real estate is iliquid. Taxes and what not on capital gains.
What is your personal opinion? Do you think paying a house loan EMI of almost 70% is better or going for rent?
@@universalinformation572 In terms of financial planning, theoretically, going for a rented house and investing remaining amount in mutual funds is the best.
But buying a house is an emotional decision. But we need to keep in mind the budget for buying a house.
But as you said, real estate had big liquidity issues
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@PersonalFinancebyChanduwhy he needs to repay the home loan? Home loan emi rate if interest max 10% lope vuntadii..
instead of repaying amount for home… he can invest the same amount in MF / shares .. and can expect 12 to 15% returns…
Paying 75k per month as emi is hard for next 3 to 5 yrs… salary increase avthadii but house emi same vuntadiii kadaaa…
Good information and very useful naledje
Consider his real estate investment and total net assets also for financial planning
Sure. Thank you. We did discuss his real-estate details which he is going to repay as part of the home loan.
Thank you for your inputs
Maavurilo one acare cost adi
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@gun-jagan0016ye ooru
flat kondam anadhe waste flat tesukovadam rent nundi thapinchukovadam.
Buying a house is not only logical decision. We also need to consider emotions as well.
But we always need to plan the EMI and monthly budgeting.
Let's educate everyone on financial awareness.
30 to 40 present max undali loans. Then life will be peaceful
Invest in apartments in Bangalore
Thirty years EMI na... Vammo... Middle lo job pothe situation enti bro asalu.....
Never expose your financial things on TH-cam..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendra you are correct bro
@@NeerajRaghavendrahis wife is not working. She used to work before marriage and she is currently house wife.
@@NeerajRaghavendra, even if you take it as some assumed case study, many employees come under this umbrella.
You are a poor man trying to look rich. You cannot become financially free in your life.
Reality lo 50 years 60 years erojullo work cheyyadam kastam . Sip 25 years plan anedhi worst plan . Chuddaniki returns bane untai kani manam 50 years varaku idhe job idhe salary undatam kastam
I have seen people who did investments for long term. I know responsibility increases over time. But who ever does it consistently will have very good wealth.
@@PersonalFinancebyChandu whatever you said is correct sir kani entha mandhi 25 30 years cheyyagalaru anedhi imp ikkada. 31 vallaki inko 30 ante impossible .we should encourage people to increase sip and retire early . 25 years mind lo unte antha easy anipisthundhi. Kani andaru 50 years job cheyadam kastam
@@trendingchicha5323 agree. The earlier and higher the amount we invest, the earlier we can retire.
Hello sir 30000 income vachevalla kosam ideas chepandi sir
Sure Sir. I will plan a video on same.
Waste of purchasing flat for 1+cr that too with loan ... Its so hard to listen..his intrest amount will be more than his actual payment. That too for 30yrs. I mean untill he come to 60yrs.OMG. what abt his daughters schooling health and other stuff.😮
He is going to repay half of the loan amount with real estate returns he is going to get in next 1-2 years
ammai ki 75L intlo adigi teskomanu. adi half loan clear chestundi. iddaru intlo vuntunar ga, iddaru equal ga share cheskovali cost.
Instead flat if invested in plots or individual house it is a big investment.
The interviews helps us to judge which is good and bad investment and thanks for your efforts.
42 years emi... ???
*Me investment portfolio cheppandi boss,with neat and clear cut*
Sure will plan once I have 1 lakh subscribers. We will be doing many exciting things in future.
1.5 cr waste ipoindi it waste of buying of this house
Ataniki migiledi 8k unte next month nundi 15k ela invest chestadandi..
Next month tho , his personal loan will be completed. 10-12 thousand EMI free avutundi.
@@PersonalFinancebyChandu makes sense
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
What can we do ...his financial analysis.......🤔
@personalfinancebychandu why don’t you calculate kids school fee and other medical expenditure in that how can he step his income SIP
As he is medical insurance is secured, he need to concentrate on corpus building. Kids school fees comes in 5 years for Swaroop and meanwhile he can build corpus.
As he is nearer to school age, he need to reassess his budget to accommodate the school fees. If he starts his SIP sooner, he is going to have compounding effect in his retirement fund. Hence start investment as soon as possible.
Compounding depends on market inflation. Let say he started with 10k as SIP for 3 years may be it will be max 5 lakhs. May be his kids starts after 2 years from that reduce some 1 lakh. In this basis how can he sustain and also some point he wants to change his car due to unforeseen reasons what is his backup. Literally sometimes formulas works without any bottlenecks.
Chill guys lets live
First home sale cheyandi
Onsite try chestunadu bro anduke anta cool ga unadu
how do you know bro?
@@kartheek200 bhayya salary lo 75% emi ke potunayi middle class vadu evarina risk chestada and house it self 1.5 anta think bro..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
Hi chandu, do you charge for your services?
You are in the middle class trap. I don't see any better option than selling a 1.5cr house. Repay the complete loan amount and stay in luxury apartment for rent(you can show this in IT) . Rental yield is very less in andhra/telangana. Try to invest 80k sip in index mutual funds.
Bro high risk , but congrats & hatsoff to ur guts.
What about emergency fund?
Invest in ETFS
Government should develop good government schools and hospitals in cities other wise people will suffer a lot in coming years .. every one sell their properties for children study and hospitals …ask government develop gov schools and hospitals …
YS Jagan started such initiative to develop Govt schools.. but people rejected it
I dont know why
Ante apartment konadam weast a bro?
Chandu why you are taking people from scratch in investments
Take the people who are in middle of investments or take the people who are in fully investments
Waste of time you educate the scratch content
Moral --you giving same moral for every video for every different stories
Thanks
Bk
Sure . In the first three episodes, people started their investment journey. It will add value to their family in long term.
But going forward, will include mix of people.
If you are interested, please fill the form to participate in salary secrets.
Sorry Chandu I live outside of India , am in advance level of investment
You’re suggesting 5 sips with 15k pm which is wrong approach
He needs to save as emergency expenses
Nifty lo invest ani evadaina cheptadu which is wrong
Worst suggestions istunaru meru
Generic cases will not applicable for everyone
School fee undi ani kuda u r asking to invest 80% of his remaining savings i.e, 15k
Wrong approach
First he need to work on increasing the income
That’s the only way
Hello . Thank you for your inputs.
I did suggest a variety of mutual funds to Swaroop (Nifty, Nifty Next 50, Flexi cap, Two small cap funds and two mid cap funds) along with fund names after thorough analysis . He is going to start his investment journey soon.
Btw, His emergency fund is set in his Wife's account (Couldn't include it in video due to Audio/Video issues).
Also on 15k investment(80%), He still have 5 years before his daughter joins any school.
Always invest first and then spend the rest. When he invests 15k in a month, he is going to cutdown some expenses in Eating out, Shopping and others.
I am really happy to see financial awareness.
19:19 please explain this bro..
Nee dgara unaa 50 lacks cash tho second apartment macnhhi vasthundhii
30 years work cheyali bank kosamm
Good informative...
Thank you
Seems like his wife is also working he didn’t reveal ? ?
No. She used to work before marriage and she is not working now. I have met her and spoke for sometime.
Swaroop is making his best efforts to control the expenses and he need a way forward in the financial markets.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho..
Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru...
Ee video lo content just madeup.. i dont think this is factual information..
1 crore pedithe saripoyedi intiki. 1.5 crore too much
Ee generation valliki minimum financial knowledge ledu.......mana thatalu ee baga dacharu and double chesaru...vallini adigi telsukondi ela invest chiyalo.... valki vunnaru 4,5 pillalu vallini kuda chadivincharu...gold 🪙 konnaru..land konnaru... financial knowledge less generation denki paniki rakunda potunnaru vellu.... diying in lons loop 😢
Vallu education ki spend cheyaledhu. You can also save if you send your kids to government schook
@@gowthammodepalli7858 private schools fee entha vuntundhi maha ante 1.5-2 per year.....vellu sampadistundhi 35 - 40 lpa mari vellu entha chigalaru
Bathuku nasanam.... Don't marry be happy 😂😂😂😂
Pure Copay of Fix your Finace with Anshuman hindi channel....but not up to that mark. still needs more technicalities in finance.
Try to watch fix your finance with Anshuma.... then you will know how to advice.
That anshuman guy copied from English show,doesn't matter as long as it's informative!!
Anushman ,Sharan and Warriko are the leading influencers and I agree I took inspiration from them. I want it to reach more telugu people. I also concentrate on personal finance , Stock market and Mutual fund analysis concepts as well.
Nayana idanta bandi baganadiste bagane untundi edaina garagaranidi jarigite enti gevitam mottam kasta padite meeru konna house
What about car EMI?
No EMI. Its an old car :-D
Income tax gurinchi cheppaledu
Very informative video!!!
Glad you liked it
I think his wife is also working employee
Nope. She used to work before marriage and she is not working after Marriage. Means from 3 years she is House maker.
First bring his debts to controllable limits and then recommend future investments.
He did mention he is going to repay 40-50 lakhs of home loan from his real estate returns. He have a plan in mind.
SS kanna mutual funds lo veyyadam chala melu
Return percentage lo mutual fund better. But Sukanya Samruddi lo money veseste , money maturity varaku withdraw cheyyalem. But MF lo easy ga tiseyachhu
Brother.. mutual funds lo 12 percent per annum ante per month 1 percent growth kadaa it's small bro ..i have invested in sbi small cap gave me return more than near about 40 percent in 1 year @@PersonalFinancebyChandu
@@PersonalFinancebyChandubut anni Mutual funds alaa ivvavu kadaa 12 percent
@@ssk6494 Minimum we can expect 12% if you invest in good mutual fund. Do proper analysis before taking a mutual fund
Koddi rojulu dentlo aina invest cheyalsindi....money. job pote okasari imagine.....crypto lo invest cheskondi.....october 2024 to July 2025 is good time to hold.
Crypto is unregulated and ver very very risk. I won't suggest anyone investing their hard earned money when they don't see where the asset is.
Nice😊 Guru
Thank you
Sir sir please repky sir please please 🙏 help …. Actually 2weeks nundi online and youtube motham dandayatra chesanu because i have 5L money and i have 2 children’s … 2.5y and 5months old boys … vala future kosam 20y ki invest cheyali so please miru e video chepina MF names chepadi sir nen 1L each lumpsum chesta for now … future lo i will increase it but please sir athaniki chepina ah 5 stocks chepandi sir nen invest chesukunta ma kids kosam please
Give me some time. Will give you plan
@@PersonalFinancebyChandu sure sir 👏🏻
Hello @SairamV17 ,
If it is me , I don't invest bulk amount in stocks and mutual funds.
Put the 5 Lakhs amount in a FD where you can make flexi withdraws without any extra charges (Small finance banks usually provide higher returns up to 8%).
Invest every month 20-30-40 thousand(your choice) and distribute it into (one Nifty 50,one Nifty next 50, one flexi cap, 2 small cap funds and two 2 mid cap funds).
Also if you can find any good long term stock, you can invest in them as well.
And as you mentioned it is for you kids, you can create a zerodha / Demat account for minors (I did it for my daughter) and I am transferring shares, ETFs and Mutual funds to my daughter account every month / Once in a while.
please reach out to collabwithchandu@gmail.com for any other detailed information.
@@PersonalFinancebyChandu thank you sir for the suggestion 😀👏🏻
Invest in share market brooo....u can easily get money huge....
He started investing in mutual funds. I have set his SIPs and he invested some amount in stocks as well.
Thanks
Stay invested
6.4 interest rate eppudu undi?
Home loans are close to 6.6% in year 2021 December .
I also need your suggestion please how to connect
Please send out email to collabwithchandu@gmail.com
Or DM me in instagram instagram.com/personalfinancebychandu/
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Done👍 @@PersonalFinancebyChandu
😂😂😂😂😂
సాఫ్ట్వేర్. ఎవ్వడినా ఎంజాయ్ ఎంజాయ్ sat, sunday, girls tho extraas, pub, foreign tours,.. మీకేంద్రా anthaa kinda meeda, బలిసింవాళ్ళు
Please dont make degrading comments.
Why don't you join and enjoy? Then you know how much enjoyment and struggle is there in any fields
It is not as easy as it looks. There will be 12-15 hours of work every day with lot of deadlines and targets. There will be lot of mental pressure for a software people.
Left health expenses
Oops
Sir please contact Canara Bank nearest branch you will get at 8.4 percent .you can save apprx 80000 per year
He mentioned he is reaching out to his bank for the loan interest reduction. But I will convey the Canara bank info to Swaroop
Bro fix your finance ni copy laga cheyaku knchm telugu flavour and humour add chey