Follow this step-by-step process to retire early than 99% people | Financial Planning

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  • เผยแพร่เมื่อ 22 ธ.ค. 2024

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  • @AkshatZayn
    @AkshatZayn  ปีที่แล้ว +44

    👉My stock LIVE Crash course(only last 50 seats): wisdomhatch.com/courses/stock-market-live-course-crash-course-limited-seats-january-2024/
    ____________________
    👉 Join India's biggest Investors community (network and learn): th-cam.com/channels/qW8jxh4tH1Z1sWPbkGWL4g.html
    ____________________
    👉You can check out Max Life Insurance via this link:
    www.maxlifeinsurance.com/term-insurance-plans/premium-calculator?&Crore&utmCode=143713685&Akshat_Shrivastava&TermInfluencer&TermInsurance
    ____________________

    • @sauravkumar011
      @sauravkumar011 ปีที่แล้ว

      How you make this much money

    • @debasismajumdar9224
      @debasismajumdar9224 ปีที่แล้ว

      Don't get trapped. His type of people are barred from doing such activities until and unless they fully comply with SEBI mandate and display their license no. with validity, to be renewed every 3 year after clearing SEBI exam. An absolute fraud UP milkman community class.

    • @rohithajare5133
      @rohithajare5133 ปีที่แล้ว

      so how much term insurance amount we should have?

    • @aronman123
      @aronman123 ปีที่แล้ว +1

      Bro can you say whether quant is reliable than hdfc small cap on long term like 7yrs and above? Just of curiosity, hdfc has lots of other businesses and well known alike quant to my knowledge. Can you reply. Thank you

    • @DOCTOROFHUMANITY-fu5ib
      @DOCTOROFHUMANITY-fu5ib ปีที่แล้ว +2

      Akshat sir I m lit bit confused, if the SWP is 4 lakh/month the corpus should bhi 12 crore not 1 crore . Please help anybody.

  • @IngoKociper
    @IngoKociper 26 วันที่ผ่านมา +218

    This is my fifth year after retirement. I’ve been following the 4% rule thing I saw on a TH-cam channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get worried.

    • @DereksJosephs
      @DereksJosephs 26 วันที่ผ่านมา

      Amazingly, you were able to save that much during your active years. Not a lot of people can save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital, so you are not left devastated during a market crash or recovery. To simplify the process, you could allocate your resources with the help of a financial advisor.

    • @JoeWilmoth-k2w
      @JoeWilmoth-k2w 26 วันที่ผ่านมา

      @@DereksJosephs Yeah, I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who have been investing for many years.

    • @IngoKociper
      @IngoKociper 26 วันที่ผ่านมา

      @@JoeWilmoth-k2w Hey, this caught my interest. I worry that I have a couple more months before retirement, and I want to switch to using a financial advisor, but I don’t know how to find one.

    • @JoeWilmoth-k2w
      @JoeWilmoth-k2w 26 วันที่ผ่านมา

      @@IngoKociper The beauty of MARGARET MOLLI ALVEY approach is her dual focus: while aggressively pursuing profit opportunities, she's equally tenacious about shielding investors from potential pitfalls. It's a balance few can achieve.

    • @IngoKociper
      @IngoKociper 26 วันที่ผ่านมา

      @@JoeWilmoth-k2w Thank you for this tip. it was easy to find your coach. Did my due diligence on her. She seems very proficient and I'm grateful for your guidance.

  • @mitchellerashica
    @mitchellerashica หลายเดือนก่อน +791

    I just turned 56 and awfully late to investing with barely any portfolio except my 401k. I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement. How do I best optimize my savings of over $100k?

    • @AdvikKumar-fi8nr
      @AdvikKumar-fi8nr หลายเดือนก่อน

      Retirement is now more difficult than it was in the past, it’s all about balancing your risk tolerance with your long-term goals. Maybe consider speaking to an advisor to help in diversifying your portfolio to spread out the risk.

    • @Javivantes
      @Javivantes หลายเดือนก่อน

      Agreed, I’ve always delegated my excesses to an advisor, since suffering major portfolio loss early 2022. I’m now semi-retired and only work 7.5 hours a week with barely 25% short of my $1.5M retirement goal after subsequent investments to date.

    • @MingZhiM
      @MingZhiM หลายเดือนก่อน

      Thanks for sharing your experience, I’ve been managing my portfolio myself with retirement coming up in a few years but it’s not working out. Do you have any recommendation for a good investment advisor?

    • @Javivantes
      @Javivantes หลายเดือนก่อน

      My CFA, *JOSEPH NICK CAHILL* ,is a renowned figure in his field. I recommend researching his name online; you’ll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.

    • @Javivantes
      @Javivantes หลายเดือนก่อน

      *Joseph Nick Cahill* is his name. He is regarded as a genius in his area. He is quite known in his field, look - him up.

  • @Abelone-Alvilda
    @Abelone-Alvilda 8 หลายเดือนก่อน +347

    I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...

    • @Abelone-Alvilda
      @Abelone-Alvilda 8 หลายเดือนก่อน +2

      @GiovanniJakob That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well..

    • @Abelone-Alvilda
      @Abelone-Alvilda 8 หลายเดือนก่อน

      @GiovanniJakob I will give this a look, thanks a bunch for sharing.

    • @MangoCitizen
      @MangoCitizen 7 หลายเดือนก่อน +3

      Nice well-meaning BOTS 😂😂

    • @babanm6867
      @babanm6867 7 หลายเดือนก่อน +1

      Change the Central Govt to build a secure future !!

    • @MangoCitizen
      @MangoCitizen 7 หลายเดือนก่อน +3

      @@babanm6867 Another political bot

  • @Okchpod
    @Okchpod ปีที่แล้ว +224

    We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some LVRCH CAPITAL Thanks for keeping us informed during this times of doubt?

  • @livia-s6t
    @livia-s6t 4 หลายเดือนก่อน +353

    I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $400K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.

    • @RobbStonee
      @RobbStonee 4 หลายเดือนก่อน +3

      it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a financial advisor can help simplify this process.

    • @OsborneLatin
      @OsborneLatin 4 หลายเดือนก่อน +1

      Yeah, I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who have been investing for many years.

    • @OsborneLatin
      @OsborneLatin 4 หลายเดือนก่อน +1

      *Marissa Lynn Babula* is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

  • @Higuannn
    @Higuannn 8 หลายเดือนก่อน +775

    I really do have a question, for someone with less than $300,000 to invest ahead of retirement, how would you recommend we enter the market? I am looking at studying some traders and copying their strategy rather than investing myself.

    • @Angelavaldess
      @Angelavaldess 8 หลายเดือนก่อน +4

      Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k every month so I’ve been sticking to investing via an Advisor.

    • @hullbruce
      @hullbruce 8 หลายเดือนก่อน +4

      Exactly, why I stopped taking financial advise from TH-camrs, because in reality I end up with a collection of confusing stocks. Whereas, all I needed was a real market expert to have made over $650,000 in less than 2 years.

    • @Higuannn
      @Higuannn 8 หลายเดือนก่อน +4

      Glad to have stumbled on this comment, Please who is your advisor and how do I get in touch with them? My wife and I have been looking for similar opportunities.

    • @hullbruce
      @hullbruce 8 หลายเดือนก่อน +2

      @@Higuannn Sure, the likes of the popular lady Alicia Estela Cabouli does a good job. Just research the name. You’d find necessary details on the web to set up an appointment. She offers free consultations for first timers.

    • @Higuannn
      @Higuannn 8 หลายเดือนก่อน +2

      @@hullbruce Thanks, I just googled her name and I'm really impressed with her credentials; I reached out to her and scheduled a call.

  • @JanetHynes
    @JanetHynes ปีที่แล้ว +151

    Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.

    • @jessicasquire
      @jessicasquire ปีที่แล้ว

      Thank you for your inquiry. Could you provide guidance on the current optimal investment options? I am contemplating investing in either stocks or cryptocurrencies..

    • @JanetHynes
      @JanetHynes ปีที่แล้ว

      One crucial aspect of earning profits from stocks is to avoid being frightened and selling them prematurely. It is vital to understand that stocks should not be treated as mere lottery tickets. Consider acquiring the assistance of a financial advisor to navigate your investments.

    • @JanetHynes
      @JanetHynes ปีที่แล้ว

      At present, I am collaborating with STEPHANIE KOPP MEEKS, a financial specialist whom I had the opportunity to meet during a seminar.

    • @Lemariecooper
      @Lemariecooper ปีที่แล้ว

      I recently had the pleasure of watching STEPHANIE KOPP MEEKS on television, and I must say she is an exceptional speaker. However, I'm curious to know if you have experienced any financial gains while working with her?

    • @JanetHynes
      @JanetHynes ปีที่แล้ว

      Indeed, I have achieved substantial returns on my investment through my association with Stephanie.

  • @Brigh578
    @Brigh578 ปีที่แล้ว +167

    I began investing at the age of 34, primarily utilizing my hard work and dedication. Now at the age of 42, I am delighted to share that my passive income exceeded $100k for the first time in a single month. This advice is truly valuable, so don't hesitate to take action. Remember, it's not about achieving wealth quickly, but rather about building wealth consistently and persistently.

    • @JennyMaxwell-r1y
      @JennyMaxwell-r1y ปีที่แล้ว

      This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this, are you a pro investor?

    • @Brigh578
      @Brigh578 ปีที่แล้ว

      Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $508k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choi

    • @JennyMaxwell-r1y
      @JennyMaxwell-r1y ปีที่แล้ว

      I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?

    • @Brigh578
      @Brigh578 ปีที่แล้ว

      The adviser I'm in touch with is *CAROLINA MELINA PHERSON* she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me she strategy works hence my result. She provides entry and exit point for the securities I focus on.

    • @JennyMaxwell-r1y
      @JennyMaxwell-r1y ปีที่แล้ว

      Thanks, I just googled more about her, I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

  • @PatrickLloyd-
    @PatrickLloyd- ปีที่แล้ว +225

    Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?

    • @PhilipDunk
      @PhilipDunk ปีที่แล้ว +3

      as most investing-related questions, the answer is, it depends.. my best suggestion is to consider advisory management

    • @tonysilke
      @tonysilke ปีที่แล้ว +3

      Agreed, the role of advisors can only be overlooked, but not denied. I remember in early 2020, during covid-outbreak, my portfolio worth around 300k took a slight fall, apparently due to the pandemic crash, at once I consulted an advisor in order to avoid panic-selling. As of today, my account has yielded big fat yields, and leverages on 7-figure, only cos I delegate my excesses right.

    • @Nernst96
      @Nernst96 ปีที่แล้ว +3

      Could you kindly elaborate on the advisor's background and qualifications?

    • @tonysilke
      @tonysilke ปีที่แล้ว +3

      My advisor is “Vivian Carol Gioia” highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

    • @Nernst96
      @Nernst96 ปีที่แล้ว +3

      Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and scheduled a phone call.

  • @stephmeldrich6765
    @stephmeldrich6765 ปีที่แล้ว +50

    For those on the brink of retirement and uncertain about where to invest their funds for a secure future, the stock market can be a viable option, but navigating the vast array of stocks requires careful consideration. It's crucial to make informed decisions to safeguard your financial well-being during your retirement years.

    • @harrisonkyunghee
      @harrisonkyunghee ปีที่แล้ว

      how do i start investing in stocks. I would like to retire soon and to do that i must invest aggressively especially during this recession, So my question is where do i put my money

    • @stephmeldrich6765
      @stephmeldrich6765 ปีที่แล้ว

      Consider well-established stocks like Apple (AAPL), Microsoft (MSFT), and Johnson & Johnson (JNJ) for stability and potential growth. However, delving into the stock market can be complex, and this is where the guidance of a seasoned financial advisor becomes invaluable. A professional can help you tailor your investment strategy to align with your retirement goals and risk tolerance.

    • @Lorre386
      @Lorre386 ปีที่แล้ว

      I can personally attest to the benefits of having a financial advisor. My portfolio has flourished under their guidance, and the inclusion of diverse assets has provided a robust foundation for my retirement plans. Having a trusted advisor allows for a tailored approach, ensuring that investments align with long-term objectives.

    • @ParishBlein
      @ParishBlein ปีที่แล้ว

      Please who is this person? I'm a firm believer that a reliable advisor can make all the difference in navigating the complexities of the stock market and securing a prosperous retirement.

    • @stephmeldrich6765
      @stephmeldrich6765 ปีที่แล้ว

      Her name is Emily Lois Parker. She’s the best FA and she’s also SEC verified. Look her up to reach her

  • @Michelle_Sanders561
    @Michelle_Sanders561 7 หลายเดือนก่อน +112

    How can one make good investments that can pay off after retirement?

    • @BEAUTIFULDIANAFRANCIS
      @BEAUTIFULDIANAFRANCIS 7 หลายเดือนก่อน +2

      More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire without any investment. Retirement becomes truly fulfilling when you possess two essential elements: financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement and that is where Cynthia McClure Alexander comes into place because she knows how to make use of your resources to ensure you have a good retirement and planned life .

  • @Resmith18S
    @Resmith18S 10 หลายเดือนก่อน +65

    I’ve been diligently working, saving and contributing towards early retirement and financial freedom, but since covid outbreak, the economy so far has caused my portfolio to underperform, do I keep contributing to my 401k or look at alternative sectors to meet my goals?

    • @LeepinLeopard
      @LeepinLeopard 10 หลายเดือนก่อน +2

      It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you.

    • @wealthychronicle-i1u
      @wealthychronicle-i1u 10 หลายเดือนก่อน

      I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has just 5X in barely 5 years, summing up nearly $1m after subsequent investments to date.

    • @Resmith18S
      @Resmith18S 10 หลายเดือนก่อน

      I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

    • @wealthychronicle-i1u
      @wealthychronicle-i1u 10 หลายเดือนก่อน +5

      NATALIE ANN BRINKMAN is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

    • @Resmith18S
      @Resmith18S 10 หลายเดือนก่อน

      Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.

  • @geraldt331
    @geraldt331 ปีที่แล้ว +92

    As a soon retiree, keeping my 401k on course after a rocky 2022 is top priority. I have been reading of lnvestors making up to 250k ROI in this current crashing market, any recommendations to scale up my ROI before retirement will be highly appreciated

    • @codeblue11
      @codeblue11 ปีที่แล้ว +1

      it's been a brisk tailwind for lnvestors in US stocks over the decades but it's a delicate season now, hence i advice you the guidance of a financiaI advisor

    • @JamesScott433
      @JamesScott433 ปีที่แล้ว +2

      Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know.

    • @brianwhitehawker1756
      @brianwhitehawker1756 ปีที่แล้ว

      Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

    • @JamesScott433
      @JamesScott433 ปีที่แล้ว +2

      My advisor is .LEILA SIMOES PINTO. You can easily look her up, she has years of financial market experience.

    • @lucaswilliams9992
      @lucaswilliams9992 ปีที่แล้ว +1

      Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

  • @DeepeshDeomurari
    @DeepeshDeomurari 8 หลายเดือนก่อน +4

    Very good video. It is very practical - 4% funda is good. I seen that many pensioner are having good life in 50K but its because they live in tier2. Metro is never for retirement unless you have 5 crore+. Rental yield 6-8% is nearly impossible unless you are financial expert.
    There are other ways to save - top 5 pointers.
    1. If you are talented, prefer Work from home job. Live with your parents - Life will give you fulfillment and you will save 40-50K additionally easy.
    2. Marry to earning spouse - it will be double your chances to retire early.
    3. Consistency is the key - Most of us do mistake of not being consistent.
    4. Also if you want to retire with less amount you can if you are earning passive money or relaxed active income. For example I am techy but I am also certified career counselor. Tomorrow I can spend 1-2 hours and do career counseling to generate 30-40K even in tier 2 city.
    5. Multiple income sources is a must - relying on job itself is bad as income tax will eat your majority of saving.

  • @RoseCrediitRepair
    @RoseCrediitRepair ปีที่แล้ว +245

    I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on LVRCH CAPITAL and a 15x on polygon are fair considering how much those two coins are interwov

  • @TamaraGodina
    @TamaraGodina ปีที่แล้ว +28

    I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances. I’m 42 now, so I’m having a late start at fixing my finances…but better late than never

    • @ArchieLatham502
      @ArchieLatham502 ปีที่แล้ว +2

      My strategy is to put half my income into the stock market at the start of every month regardless of what is happening. The second part of my strategy is not to sell for at least 15-20 years. Time in the market beats timing the market.

    • @gurpalsingh3498
      @gurpalsingh3498 9 หลายเดือนก่อน

      Its never too late. Napoleon said in think and grow rich, most people get successful in their 40s.

  • @BEAUTIFULDIANAFRANCIS
    @BEAUTIFULDIANAFRANCIS 7 หลายเดือนก่อน +61

    More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire without any investment. Retirement becomes truly fulfilling when you possess two essential elements: financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement and that is where Cynthia McClure Alexander comes into place because she knows how to make use of your resources to ensure you have a good retirement and planned life .

    • @Michelle_Sanders561
      @Michelle_Sanders561 6 หลายเดือนก่อน

      Thanks a lot for the recommendation.

  • @backpacknomad
    @backpacknomad ปีที่แล้ว +22

    Very informative.. I am 35 years old, and started learning to save and invest during the lockdown. I used to earn just over 1 lakh a month with an IT job, but my expenses have always been on the lower side. I had to pay off around 45 lakhs of bad debt over 8 years, that my father incurred as losses in business. There was a time in 2017 when for almost 6 months, the EMI was more than my salary, and I used to take up part-time photography assignments to cover the expenses. I left my job in August last year, paying off all the loans, and with enough money saved up to survive at least 1-1.5 years. I am a full-time photographer now. I am making less than half of what I did back then. But it covers my expenses, and I've started saving up as well. I did not earn anything for 3 months since I left my job, but was able to live off my savings easily. But the monthly earning is increasing a little each month. Videos like this one have helped me a lot to plan my finances without a constant monthly income.

    • @jimbokraut640
      @jimbokraut640 ปีที่แล้ว +2

      mate can you not pursue this as a side hobby? with the way inflation is rising, if you have paid off all the debt and can get the stability of a regular paying decent IT job it will help you build a sizeable corpus for the future.... look at photography as a post retirement career perhaps? just saying....

    • @backpacknomad
      @backpacknomad ปีที่แล้ว

      @@jimbokraut640 I tried doing that for a while, but clients don't take part-timers seriously. Plus, getting days off for shoots on weekdays was difficult with a job.
      Now, I am already getting decent work, and the pay is getting better compared to what I started off with. I am able to collaborate with other photographers too. The corpus that you talk about will definitely take longer this way, but I know I'll be happier doing this rather than the IT job.

  • @acjdgpr
    @acjdgpr ปีที่แล้ว +34

    Retirement does not mean that you hang up your boots and do nothing. In the modern day retirement means getting rid of the regular grind and doing what you are passionate about and having more time for yourself. What you do with that time is your call, you can write a book, build a small business become an educator. Today retirement does not mean stopping all work. Many people who are retiring early are just using their time now to lead a slow life, follow a passion and most importantly become owners of their time.

    • @NiranjanBendre
      @NiranjanBendre ปีที่แล้ว +1

      Thanks for clearing up the retirement state. There is an important step before that state which is financial independence. That should be a goal for everyone. After that work is optional which can be called retirement.

    • @atifimtiyaznazeer
      @atifimtiyaznazeer ปีที่แล้ว

      Is Akshat still holding Asian Paints and Indigo Paints

  • @sagarwadhwa559
    @sagarwadhwa559 ปีที่แล้ว +9

    HI AKSHAT ,
    AT 13:30 , YOU mentioned if we need 4 lakhs as SWP every month , then our corpus should be 1cr but it has to be around 10cr if we need 4lakhs as SWP every month and it would be 1cr if we need 4lakhs as SWP every year .

    • @AkshayNaidu789
      @AkshayNaidu789 ปีที่แล้ว +1

      Very few people noticed it.. 😅

    • @leninsharma2310
      @leninsharma2310 ปีที่แล้ว

      I was looking for such a comment. I was confident I didn't have to raise that issue

    • @bassy1951
      @bassy1951 ปีที่แล้ว +1

      I was about to type. Monthly kharcha aur Yearly returns, I think akshat should change his content writer

    • @jimbokraut640
      @jimbokraut640 ปีที่แล้ว

      11:30 he states annual expense is 4L, unfortunately it gets mixed up later, but its the concept he's talking about

    • @hdhnbggh8312
      @hdhnbggh8312 11 หลายเดือนก่อน +1

      ​@@jimbokraut640 ok but let say you have 1 crore invested and it give you 10% return and your expenses annually is 4 lakh and 6 lakhs goes to inflation. How will you multiple that 1 crores? You'll keep on eating all the profit??

  • @bitemouth
    @bitemouth 4 หลายเดือนก่อน +3

    4% of 1Cr per annum. 4L/yr and not /month. Correction at 14:00. For 4L/month swp we woulg need 4CR

  • @rajkumararkatala3021
    @rajkumararkatala3021 ปีที่แล้ว +11

    Hi Akshat ! It would be wonderful if you could make a separate video creating awareness regarding the taxation on these instruments. 😊

  • @jamesmaduabuchi6100
    @jamesmaduabuchi6100 ปีที่แล้ว +40

    Inflation has a greater impact on people's cost of living than a crashing stock or housing market,
    resulting in an immediate and tangible effect. This explains the current high level of negative market
    sentiment, and our need for assistance in surviving this challenging economy. The financial markets have
    underperformed due to fears of inflation, causing stock and bond prices to plummet. Despite sounding basic,
    consulting a financial advisor has enabled me to outperform the market and achieve a profit of $850,000
    since June 2022, making it the ideal approach to enter the financial markets today.

    • @yuikiyoshi1248
      @yuikiyoshi1248 ปีที่แล้ว

      Since the onset of the COVID-19 pandemic, constructing a solid financial portfolio has
      become increasingly intricate. Therefore, I strongly advise anyone facing difficulties to
      consider seeking professional assistance. By doing so, you can access tailored strategies that
      specifically cater to your individual long-term goals and financial aspirations.

    • @wilsonjudson1650
      @wilsonjudson1650 ปีที่แล้ว

      who is your pro ? do you mind sharing me with this pro ?

    • @jamesmaduabuchi6100
      @jamesmaduabuchi6100 ปีที่แล้ว

      The financial advisor I work with is *STEPHANIE KOPP MEEKS* . I discovered her during a CNBC interview and contacted her thereafter. She has been guiding me by providing entry and exit points for the specific securities I focus on. If you're interested, you can search for her online to learn more about her
      expertise. I have been following her market strategies and have had no regrets thus far.

    • @yuikiyoshi1248
      @yuikiyoshi1248 ปีที่แล้ว

      After conducting an online search, I came across *STEPHANIE KOPP MEEKS* and thoroughly examined her credentials. It appears that she possesses considerable expertise in the field.

    • @yuikiyoshi1248
      @yuikiyoshi1248 ปีที่แล้ว

      Consequently, I reached out to her, providing a comprehensive description of my financial market objectives.

  • @ramarayapai9658
    @ramarayapai9658 ปีที่แล้ว +9

    Claim Settlement Ratio is NOT Claim Processsing Ratio. It is the percentage of claims that are settled i.e. No. of claims Settled/No. of claims Received. Claims Processing Ratio includes even claims that are rejected. Hence, please avoid misleading/misguiding..

  • @yogeshsinghnegi
    @yogeshsinghnegi ปีที่แล้ว +6

    3:01 No Ankur Warikoo was harmed while making this video

  • @vinayakvadlamani2261
    @vinayakvadlamani2261 7 หลายเดือนก่อน

    This should be mandatory viewing for all ages in India. Thanks Akshat.

  • @chandrakumarmisra1989
    @chandrakumarmisra1989 6 หลายเดือนก่อน +1

    Dear Akshat, Besides your fluent & simple english , I like your down to earth style of living and working. Maybe due to engineering background. Yess Goa is my favorite place for holidays. Warren Buffet appears to be your mentor/role model. Keep it up. Plz share some tips on buying BnB property at a hill station for seniors living. Regards.

  • @Yyhhtt99009
    @Yyhhtt99009 ปีที่แล้ว +125

    This is a great video I really appreciate the dedication in each video you post, I learn a lot watching your videos and it has always been helpful to me. Building a steady income is quite difficult for newbies.. Thanks to LVRCH CAPITAL for improving my portfolio. keep up with the good videos.

  • @anupamsingh7351
    @anupamsingh7351 9 หลายเดือนก่อน

    At least this video encouraged me to think about my early retirement plan with financial freedom....Thanks a lot for creating content on such a great topic.

  • @Ganesh-thorat
    @Ganesh-thorat ปีที่แล้ว +2

    1 Cr corpus pe 4% withdrawal corpus 4L hota h ANNUALLY. Akshat said he is even managing with 2L but that’s MONTHLY expense (explained by him later on). With your LOW expense lifestyle also one needs to have atleast 6Cr corpus and that too preferably liquid asset. Correct me if I am wrong

  • @ramarayapai9658
    @ramarayapai9658 ปีที่แล้ว +1

    The claim settlement ratio (CSR) is the percentage of total claims that an insurance company settles in a year out of the total claims received. It serves as a gauge of their trustworthiness. The higher the ratio, the more dependable the insurance provider is, in general.

  • @EnterprisingBoy
    @EnterprisingBoy 8 หลายเดือนก่อน

    Good video; extremely helpful for beginners. But, one point to be made clear: while calculating current expenses, use the pre-tax amount because you will have to pay tax on the 4% drawdown (either capital gains tax or tax on dividends).

  • @jkjolly
    @jkjolly ปีที่แล้ว +159

    Is it necessary to retire early ? The Answer is NO. Financially freedom is possible even if we work till retirement. Retiring early is just a misnomer and misleading

    • @DIYBill
      @DIYBill ปีที่แล้ว +26

      Plus many will not know what to do if they retire early.

    • @rushikesh4790
      @rushikesh4790 ปีที่แล้ว +20

      There is no requirement of early retirement but if you have earn for next 30 years at the age of 40 then it makes you financially free. In current environment where there is no government job and very less stability in private jobs such as IT jobs it's necessary.

    • @Newage-ed7er
      @Newage-ed7er ปีที่แล้ว +18

      In the current scenario where u can get the best employee of the year in one month and get kicked out the next, yes Financial independence as soon as possible is very important.

    • @centristlibertarian
      @centristlibertarian ปีที่แล้ว +16

      Good luck working in the corporate sector till 60.

    • @maheshmoharir9314
      @maheshmoharir9314 ปีที่แล้ว +8

      These finfluencers keep on misleading.

  • @CyBer_PuNk007
    @CyBer_PuNk007 ปีที่แล้ว +9

    It is clear that you made 90% of retirement money from your TH-cam subscription plan (159×20,000+ ~=32 lakhs per month)🌚🙂😌😂

  • @MrKamalNeel
    @MrKamalNeel ปีที่แล้ว

    How do you buy shop or invest in commercial property? I don't know any easily available means.

  • @sandeepteerth
    @sandeepteerth ปีที่แล้ว +3

    Hi, in the previous video you had said that nifty will not give 10 to 12% as it gave in last decades, but now you say that invest on index, what we need to do?

    • @sandeepteerth
      @sandeepteerth ปีที่แล้ว

      @AkshatS--_zayn-helpline sorry I did not understand ur reply

  • @ukuk179
    @ukuk179 ปีที่แล้ว

    Life is full of uncertainties. Very simplicit approach.
    Manage & minimise risk.
    95% on Indian esrn 10k-15k pm

  • @saravanansivasharvesh
    @saravanansivasharvesh ปีที่แล้ว +5

    They also call the investment into index funds as herding mechanism, which will lead to a market failure. please contextualize this aspect as well.

    • @atifimtiyaznazeer
      @atifimtiyaznazeer ปีที่แล้ว

      Is Akshat still holding Asian Paints, and Indigo Paints?

    • @faiskies_
      @faiskies_ ปีที่แล้ว +2

      In India only around 3.5 % people invest in MF, I don’t think this herding mechanism would create any problem in foreseeable future.

    • @faiskies_
      @faiskies_ ปีที่แล้ว +1

      But again I’d love to hear from Akshat on this point.

  • @Rajnair19
    @Rajnair19 ปีที่แล้ว +2

    Hi Akshat,
    I think the example of 4 LPA, you have calcualte on basis of yearly and not monthly. The relatively outcome you assumed on the savings are 1.1 crores. I think there are some confusion, can you please clarify ? I understand all the above numbers are based on assumptions, i guess still the base taken is wrong, Please confirm and advise.

    • @manjushabhati4319
      @manjushabhati4319 ปีที่แล้ว

      I noticed this too..and 4 lpa is just not a realistic measure of expenses for a normal family of 4 , wherever you may be !

    • @amirm5067
      @amirm5067 ปีที่แล้ว

      yp, how 4 Lpa helps🤔?

  • @bharadwajgsk
    @bharadwajgsk 9 หลายเดือนก่อน +1

    Do you really suggest that return of Premium offered by Max-Life Insurance? Even if the incremental Premium that we need to pay extra every month for opting the return of premium offer is put in an RD, the returns will be more.

  • @amitanand29
    @amitanand29 10 หลายเดือนก่อน

    I started investing 5 years back in SIP and also in stocks from last year. It’s yielding what I am planning ie early retirement.
    And I drive a Nexon too 😊

  • @prashantgunjal3465
    @prashantgunjal3465 ปีที่แล้ว +1

    woow really liked the concept of weighted average portfolio, being a finance student this video is real gem

  • @ramyakumar8638
    @ramyakumar8638 11 หลายเดือนก่อน

    One of the best video on Retire early Finance planning. Thanks man❤

  • @samaykochhar
    @samaykochhar ปีที่แล้ว +1

    I got confused at 4lakh is monthly right, but you said it as annual expense. so if we have saving of 1Cr and monthly is 4lakh. then annual expense will be 48 lakh. Could you please solve this doubt did i got something wrong or there is a loophole?

  • @deipali
    @deipali 6 หลายเดือนก่อน

    Hello how do we check how r portfolio is growing, I mean at what percentage?
    FDs
    Shares
    Mutual Fund
    Other investments
    How do I keep track of

  • @avinashpande2417
    @avinashpande2417 ปีที่แล้ว

    You are awesome, very glad to be a part of this community.

  • @vaishucuety658
    @vaishucuety658 ปีที่แล้ว +1

    Akshat, Can you please throw some light on how to transfer cryptos from Vauld to another platform? I have an account in Counswitch but it is not allowing to transfer the assets from another platform like Vauld.

  • @afflysamy
    @afflysamy ปีที่แล้ว +1

    I request you to make a video that educates mutual fund, insurance selling agents as there are millions who survive on .5% who also have family and children. If your point is to mathematically maximize the roi, it's like having milk in a female dog that is useful only for it's puppies.

  • @daljeet015
    @daljeet015 7 หลายเดือนก่อน

    Sir land k benefit yeh hai k es me women ka indirect role bhi rehta hai and secondly you don’t have to buy anything which is your basic need from the market.
    iska yeh matlab nahi k agriculture koi bhut profitable sector hai but aap apni basic needs ko limited rakh lete ho and you do not spend on pizza burgers. Baki thoda bhut price appreciation rehta hi hai

  • @ManoharSingh23
    @ManoharSingh23 ปีที่แล้ว

    Hey Akshat please revisit your retirement calculations.. you will see a gap there. Mixed up between month and year.

  • @gouravrathorr
    @gouravrathorr ปีที่แล้ว +4

    MFs volatility can be tolerable but individual stocks can be more volatile.

  • @Rizwan1875
    @Rizwan1875 4 หลายเดือนก่อน

    This 4lakh that we are talking about is our monthly or yearly swp? Please help me understand this.

  • @JayanthWork
    @JayanthWork ปีที่แล้ว

    what makes you think currency always loses value ? What do you think about dedollarisation ?

  • @neonstalonepaul799
    @neonstalonepaul799 ปีที่แล้ว

    I like your sense of humour in these videos, like when you were explaining about how you save 90% of your income doesn’t mean “mere ghar pe bed nahe hai” hilarious 🤣

  • @sreerampillai1339
    @sreerampillai1339 ปีที่แล้ว

    If we have budgeted a purchase ( hopefully rationally ) would it be smart to take teh zero emi and put th remaining amount in the stock market!?

  • @mudz19830
    @mudz19830 11 หลายเดือนก่อน +1

    Hi sir
    I appreciate you sharing this knowledge with us . But sir I am dealing with some unforseen finance issues at age of 40. Need some personal advice on this ,is it possible to discuss with you personally and help me resolve?.

  • @nazeerconcept
    @nazeerconcept 10 หลายเดือนก่อน

    Hello Akshat, I have seen your video on migrating from Tier1 to other lower tier cities and it is relatable.
    Could you please explain Pros & Cons from Kids point of view, especially from their quality education in Tier1 schools/ community living in big societies/ diverse culture.. this is something holding me back..
    Appreciate your thoughts!
    Best regards

  • @vinodtiwari4054
    @vinodtiwari4054 7 หลายเดือนก่อน

    What one should. do EPF money after completion and Pension part also which very less

  • @VinayKumar-ns1zy
    @VinayKumar-ns1zy ปีที่แล้ว +1

    Hi Akshat, now that Nifty ( Market in general) is heated up and hitting highs, how do we consider Equity investing ? Do we withdraw or continue SIPs that are already in place or is it okay to start new Portfolio of SIPs ? PLease clarify

  • @Ajay_Pratap_Yadav
    @Ajay_Pratap_Yadav ปีที่แล้ว

    After watching your videos for the last 1.5 years, the first time I liked the video 😆

  • @shivendrachaturvedi549
    @shivendrachaturvedi549 8 หลายเดือนก่อน

    Very informative video. One query, out of 99% claim settlement ratio of Max health, how much was in favor of client?

  • @Muskimis
    @Muskimis 8 หลายเดือนก่อน +1

    it would be nice to get a calculator too :D thanks for this video

  • @aakashpatel1730
    @aakashpatel1730 ปีที่แล้ว

    @AkshatZayn index MF vs index ETF which one to buy ???? And why ??

  • @form7678
    @form7678 ปีที่แล้ว +1

    thank you akshat as always for your helpful videos. Can you confirm if the brokerage in MFs is less if we directly invest with the fundhouse than through a bank or broker ?

  • @powerpratyush
    @powerpratyush ปีที่แล้ว +3

    I have started doing SIP in ICICI Prudential Nifty 50 Index Fund. Do you think it's good ?

  • @akshaynarayanbaraseni4266
    @akshaynarayanbaraseni4266 ปีที่แล้ว

    I salute the Work you are doing, Perhaps did the same maths for myself for my retirement planning but got more confidence after watching this video, Respect

  • @Pracheer_Pranay
    @Pracheer_Pranay ปีที่แล้ว +1

    Hi Akshat! Great insights, thanks for the video! However, just wanted to double check what you mentiioned at 13:10 regarding your current yearly expenses. Is it really just 2L keeping you and your family in mind? That corresponds to a mere 16.7k a month!!

    • @Kittieschutties
      @Kittieschutties ปีที่แล้ว

      2lac per month that corresponds to 40lac income per month

  • @rajkumarssolanki
    @rajkumarssolanki ปีที่แล้ว +5

    Is there a specific reason why you recommend index MF and not index ETFs?

    • @atifimtiyaznazeer
      @atifimtiyaznazeer ปีที่แล้ว +1

      Is Akshat still holding Asian Paints and Indigo Paints

  • @mohitgupta7139
    @mohitgupta7139 11 หลายเดือนก่อน

    Hi Akshat, your videos have made a huge difference to my mindset. Thanks for that. Can you please share some thoughts on whether your have used an LLP, sole proprietorship etc for your commercial real estate ventures. Thanks in advance

  • @estherchandy6292
    @estherchandy6292 10 หลายเดือนก่อน

    I started working at 38 after a 12 year career break ...2 years later I got divorced, 2 pre teen kids to bring up. Saving upward of 50% of my income and prepayment of home loans helped me ... Spending money is my last option when I run out of ideas!!!

  • @SerkanMesude
    @SerkanMesude 6 หลายเดือนก่อน

    Oh nice I was actually looking at their welcome bonus. It's pretty generous. Got some extra cash to play with 💸

  • @taranpreetsinghmann5312
    @taranpreetsinghmann5312 ปีที่แล้ว

    Hello Akshat,
    Thank you for such a valuable feedback.
    The question which I have is that could you please make a retirement planning video for a person living in Europe where education until Masters or doctoral is FREE. Also you start getting PENSION from age of 67.

  • @srazkhan6874
    @srazkhan6874 ปีที่แล้ว +1

    Akshat your way of explanation is very nice . Thanks Bro❤

  • @kp6074
    @kp6074 ปีที่แล้ว +1

    you counted swp with 10% yearly return but saying expense as monthly 4L monthly just a correction... :)

  • @Rizytutorials
    @Rizytutorials ปีที่แล้ว

    Shoulxnt there be emergency fund too ?? In retirement math? As definitely you would not touch the investments so need to make sure atleast 10 lakhs are in savings account for any emergency like hospitalisation, major illness etc

  • @ajaydabur738
    @ajaydabur738 ปีที่แล้ว

    Does the EMI for the House in which you are not staying, may be rented forms part of SAVINGS or not??

  • @vandankarkhanis3203
    @vandankarkhanis3203 ปีที่แล้ว

    Akshat very useful and eye opening video. You really take pains to gather information of the subject. Very transparent presentation.
    I am already a senior citizen and as per your advice we are investing in shares in both markets India and US. We request you to make a special video for investors like us. Your guidance will help us to invest our funds more wisely.

  • @prateekpradhan2049
    @prateekpradhan2049 ปีที่แล้ว +1

    Akshat and his love for hdfc bank ...❤

  • @OmerDucem
    @OmerDucem 6 หลายเดือนก่อน

    I should check that out. Been eyeing the roulette games. There's something about that spinning wheel 🌀

  • @Suraj_TheExplorer
    @Suraj_TheExplorer ปีที่แล้ว +1

    What is the ideal commission for mutual funds?

  • @SuperKnight1010
    @SuperKnight1010 ปีที่แล้ว +1

    Please suggest which if your course is more comprehensive
    The crash course or the recorded one

    • @atifimtiyaznazeer
      @atifimtiyaznazeer ปีที่แล้ว

      Is Akshat still holding Asian Paints and Indigo Paints

  • @saravana1234
    @saravana1234 ปีที่แล้ว

    Hi Akshat.. just a view point.. is your portfolio too much on HDFC single parent legal entity than spreding the risk...

  • @001vgupta
    @001vgupta 11 หลายเดือนก่อน

    When 4 lacs per month for monthly expenses including unexpected expenses, 1 Crore would given per year 4% so practically only one twelfths of this would be available from the corpus of 1 crore. There is some mixing up of per month and per year expenses or income from funds. Please look into the same.

  • @ragunathm8290
    @ragunathm8290 ปีที่แล้ว

    Pl. answer for your VAULD recommendation, and then recommend for MAX LIFE

  • @Mother-Money
    @Mother-Money ปีที่แล้ว

    Tax component should also be considered in calculations.

  • @poojasikdar3583
    @poojasikdar3583 ปีที่แล้ว

    Akshat the way you explained, it was helpful. However, I wish to make better investments but not sure where to start from apart from MFs. Is there a comprehensive guide available to understand the other assets to invest on and how to chose them?

  • @Trilok22
    @Trilok22 ปีที่แล้ว +1

    Very interesting concept and explained in very simplistic manner 👌👍👏. Great job kudos❤!

    • @atifimtiyaznazeer
      @atifimtiyaznazeer ปีที่แล้ว

      Is Akshat still holding Asian Paints and Indigo Paints

  • @pramodranjane9243
    @pramodranjane9243 ปีที่แล้ว

    I am unable to join a membership. After pressing join button it does not take it forward. Can you help me??

  • @realgrowncrown
    @realgrowncrown ปีที่แล้ว

    Thank you for this practical knowledge... My fundamental thoughts are aligned with this... I will rectify the areas to double down my actions😊😊😊

  • @aronman123
    @aronman123 ปีที่แล้ว

    Bro can you say whether quant is reliable than hdfc small cap on long term like 7yrs and above? Just of curiosity, hdfc has lots of other businesses and well known alike quant to my knowledge. Can you reply. Thank you

  • @AykutVeysel
    @AykutVeysel 6 หลายเดือนก่อน

    Tried one of those live game shows after reading a blog post it’s fun plus the bonus win was a nice touch 🎭

  • @AshicArun
    @AshicArun ปีที่แล้ว

    Beautiful video ❤

  • @tushar_saha_1
    @tushar_saha_1 ปีที่แล้ว +1

    Alright now do other type of videos too....like how to start different types of businesses and the investment required etc....types like trucks transport (s,m,l) or dealership or manufacturing businesses
    Fom scratch
    U can go from how to start with minimum investment to larger investment...and the best way to run it

  • @sureshjamakhandi6671
    @sureshjamakhandi6671 ปีที่แล้ว +2

    Excellent video Akshathji

  • @atim99100
    @atim99100 11 หลายเดือนก่อน

    Hi Akshat, Am I missing something here, you mentioned that 2 lakh as monthly withdrawal, while my corpus is growing at the rate of 10 percent per annum. My per annum withdrawal shall be 24 lakhs. What is the math here ??

  • @alakhani5670
    @alakhani5670 ปีที่แล้ว +7

    Sorry but if you need 4L per month as you said in your video then you need 4L x 12 months = 48L in a year so at 4% rule that comes out to be 12cr.. Not 1cr.. Or you misspoke it as 4L per month and meant 4L per annum??

  • @Wealthbuilderexperts
    @Wealthbuilderexperts ปีที่แล้ว +3

    Currently, I am saving 59% of my monthly income 😃

  • @pankajm16
    @pankajm16 ปีที่แล้ว

    thanks Akshat for this lovely platform of knowledge sharing

  • @paramveersingh7257
    @paramveersingh7257 ปีที่แล้ว

    I can see the diff invested in ELSS has given more returns than index fund, impractical gyan donot distribute, i switched to index and after switching repenting