If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir meri ek request hai, Hume aaj sunne me bahut acchha lagta hai 1 crore 20 year baad me milega. But aap ye b calculation krke bataya kijiye ki 20 year baad me 1 crore ki aaj ki value approx 25 se 35 Lakh hogi then Hume samajhne ki jarurat hai agar aaj ki 1 crore ki value 20 year baad chahiye to approx 3 crore ki planning krni hogi !!!! I think meri calculation kuchh had tk to sahi hogi???
sir i am in a problem that ,I have borrowed 20 lakhs from my family for doing a business at 0% interest rate, but I have to repay the whole amount so I decided to pay them some money every week but at the same time I have to pay my Other dues like material payment , transporter payment etc every week .How can I repay them as quickly as possible? What is best rule for it Please make a video on it.
Sir please tell us.. what will be the future of Mutual Fund. SIP is increasing day by day all people are aware about the compounding. So after 20 years it will be profitable or mutual funds are becoming a big bubble that can burst after a long time. Plz make a detail video on this. Thank you 🙏
Things they shouldn't have ignored: 1. Husband's income and savings. 2. Child's education expense - recurring and inflating expense. 3. Plot loan - it will be time bound with construction loan. 4. Plot's price hike. Growing city like Bbsr can se 2-3x price hike in few years and spoil their land purchase plans. 5. Future family plan - maybe another child? 6. Health/term insurance cost. 7. Future investment and expenses in depreciating assets - car/bike/scooter. 8. Inflation vs Salary hikes. Salary hike may not be proportional with monthly expenses in upcoming years - considering Tata Steel is paying mere 53k/m to 8 year experienced. 9. Rental and utility inflation. 2 cents: If she and her husband can jointly afford a plot worth 24L (she has saved good money) in full payment with a small loan of 10-15L for bare-minimum construction. Their home will be paid from the rental expense and will save them from increasing rental burden in future. And, purchased land will anyway appreciate better than FD/PPF/Savings account.
@@narayanansreenivasan2558land is also an asset. So many people became crorepatis by investing in land and gold. We celebrate dhan teras every year. That teaches us to buy gold every year as much we can afford. My relatives have accumulated several kgs of gold by going through this route through decades. SIP is nothing new, just technology and investment vehicle changed. You can do everything at the same time. Share the loan EMI and sip with spouse.
@@narayanansreenivasan2558 True. A mortgage may seem burdensome initially, but as inflation reduces the value of money, your fixed EMIs will feel lighter over time. In 30 years, those payments will likely seem minimal, and the property’s value will have appreciated significantly, making it a smart long-term investment. Owning a home eliminates the stress of frequently shifting rentals, providing stability and a permanent, secure environment for your family, while diversifying your investment portfolio.
Thanks Mr. warikoo, your video keep motivating to me to reach 1 crore asap. Current folio 10L , I have increased the SIP ammount this month onwards to 72K. Planning for my first crore in 7-8 years , fingers crossed , Age 30.
I have made 30 lakhs portfolio since last 3 years. Annual CAGR is 27-30%. In next 6 years ,I will make 1.2 cr if I get the same cagr. Thanks to ankur. -- guys I am not able to post any comment so I am adding here.. 5 lakh lumpsum and 30k Sip every month. Never missed or withdrawn any sip.
@@sreekanth4050everyone knows but do not apply in real life. That's why people do not become rich. Most people do not continue sip after 7 years due to temptation. Compounding doesn't look impressive until you go beyond 15 years. After 30-35 years your investment becomes gigantic like a banyan tree.
Rosaline, if you are reading this, please buy the plot if you think it is in a good location, has basic amenities (water, sewage etc) and the price of land is going to appreciate or you would stay there in the long term/after retirement. Don't be penny wise, pound foolish. Make sure you do the registry and paperwork thoroughly well in order to avoid dispute or discrepancy in the future. However, you and your husband should make joint investment in it. Ankur's perspective is that from a person raised in Tier-1 / Delhi-NCR city. However, mindset and dynamics in tier-2 and smaller cities is different (which he may not be able to understand inherently). You and your husband both know that you are not going to switch or change your jobs or cities anytime soon, if at all. Rest of the suggestions were on point. Pls get term insurance, health insurance, accidental and disability insurance ASAP. Do thorough research and read the fine prints properly before buying them. DO NOT TRUST THE WORDS OF AGENTS. READ THE DOCUMENTS PROPERLY. Goodluck to you.
Very well said bro, hope more people speak up about this property decision in Ankur's video. He is not active all over India regarding property, and should admit in video that he doesn't know about that area.
@warikoo Great Video, Few points on this, she has 13 years of experience in the Field, Considering that she might be in high 30's or low 40's. which means she has approximately around 20-25 years before she turns 60 for retirement age. From all your calculations it felt like that will be the corpus she will need for her retirement it self I understand her concern was about her 10 month old son so you focused more on that. But I would have loved to see more insights on how she could plan her retirement on this corpus at the same time taking care of Child and the plot/future house.
Agar sab kuch akele hi karna hi toh phir shaadi kyu kiya tha...husband kya apne income se ghodo ko chaara khilayega...uska bhi toh kuch responsibility hai.
It depends on where the plot is. Land rates in tier 2 cities especially on the outskirts are increasing by 20% +. If the land she is seeing is in an area that is developing fast, she can go in for it
Sir really u great....u. explained step by step so nicely regarding financial planning..I think many of us learnt a lot and will follow.... Take care... please...
I am a 17 year old investor handling my mom's account, and ankur sir helps me a lot to make things easier for me, I hope he continues to do and and guide me always, i am leaving this comment here when i'll make money in crores I'll definately come back to this comment and tell sir that I DID IT!!!! tab tak God Bless Ya'll❤
Ankur sir namaskar, mai mutual fund me sip start krna cahata hu sir please suggest me ki 1. kitne mutual fund me sip kare. 2. large cap,mid cap & small cap tino me krna hai to please suggest mutual fund name. 3. MF kaun se app se kare 4. sip & lumpsum me sabse best kaun sa rahega. 5. kya MF lete time tax saving MF me invest kare. sir please if possible reply me. thanks
( Mere comment ko itna like kro ki sir ki nazar me aajaye ) Sir meri ek request hai, Hume aaj sunne me bahut acchha lagta hai 1 crore 20 year baad me milega. But aap ye b calculation krke bataya kijiye ki 20 year baad me 1 crore ki aaj ki value approx 25 se 35 Lakh hogi then Hume samajhne ki jarurat hai agar aaj ki 1 crore ki value 20 year baad chahiye to approx 3 crore ki planning krni hogi !!!! I think meri calculation kuchh had tk to sahi hogi???
Hello Anukr, Thank you for being such a amazing financial planner & advisor. I am one of your subscriber and a probably one of a top benefiter. Keep up the good work !!. Lots of Love and Respect from Mangalore, Karnataka.
Everything is fine and informative. But what about income tax and GST shall to be paid after maturity. That should be informed, Please. And what initiatives will be taken from our side.
@warikoo - 2 very basic questions! 1. If i have a SIP already happening and want to introduce the 'step up' bit in for each subsequent year, what is the process? Should i start another SIP in the same fund for the % increase every year? Returns will be the same as adding it onto the existing one? 2. If i choose to put the % increase everyyear into a new fund, would that still amount to the same from a compounding POV? Both scenarios are presuming these investments will go on for many years.
As a CA student , I will try to answer this Warning I am not a financial advisor nor a SEBI registered trader so take this advice lightly ( legally karna padtha hai). 1) NO .. just go in to your groww or zerodha a/c and select the SIP you are doing and down there should be an option to add step up. 2) Yes technically but the compounding rate will depend on the new fund as well. Ex:- main SIP - 12% (12 years assumed) is 12.65% XIRR flat If the money is invested in a 11% instrument the XIRR will be lower than 12.65% since a portion of money will grow at 11 and not 12 % But yes it does compound
@@samkr2221 Thanks so much! A little twist - the existing SIP is through a broker and i wont be able to change that now. But it will be the same if i start a new SIP with the increased amount in Zerodha and then do the step up from there every year?
@@ShonaliSarda-x3m 1.u can import external sip into grow app there is option to do that but not sure if that allows to add step up 2. U can redeem existing SIP if not started more than year before and can start new in grow or zerodha with step up
@warikoo. Pls explain japan stock exchange remained at 1989 level for 30 years. Why the same cannot happen to indian stock market... Or why chinese stock market never grew the way its economy did..
@warikoo Don't evaluate expectation higher.. Talk about Taxes, deductions, Inflation adjustments.. just with excel and this approach don't give falls hope....
1st buy the plot then start investing as suggested. Otherwise you cant buy the plot in Bhubaneswar. After 10 yrs there will be no land. The land investment in BBSR is totally different than other major cities. It grows like 300-400% in 2/3/4 yrs. You may get a plot with 50Lakhs in 30/40 kms away from BBSR city if you plan after 5/10 yrs
Yes, I am from delhi region like ankur but would not advise about property in other city. He should not too, he doesn't know so much about property trends. Should be saying that he doesn't know in video.
Dear Sir, I would like to thank and congratulate you for mentoring so many people in the field of financial discipline. I have learned a lot through your videos. I request you to kindly make a video and guide me and everyone as to how anyone can do better tax planning through mutual funds by investing in names of all family members (including minors), harvesting and other mechanisms (may be gifting or through HUF) assuming this is the no other income of other members. Thanks in Advance and best wishes. - With respect to new regime of the income tax.
Madam ko 13 years ka work experience hai and 7 years se tata company me working hain and inko nahi pata ki company life insurance inka diya hai ki nahi 😮
Insurance through employer is always less. We must assess our income and get insured accordingly. No one can help in these matters without taking a huge chunk out of it for themselves.😂😂😂
The ultimate knowledge in each video with the dialogue 'LOVELY' ,,,, gives us more confidence and believe in our own strengths.. Thanks boss🙏🏻🙏🏻 Please clear one doubt Sir,, I know about mid cap and small cap MF but don't know about debt mutual fund and nifty 50 index fund .. kindly clear it.
Another reason why She should Not buy plot now is, if someone takes bank loan for buying plot, its mandatory to start building house in that plot within next 2 or 3 years (varies bank to bank) and for that she have to take more loan.... Loan Trap
Because those are basics and the most important ones to secure your future financially. Had you truly understood the importance or gravity of it, you wouldn't have said this. Common sense is ofcourse not so common anyway.
Ankur im 59 im following your idea of clearing bad debts. Made a plan. By 65 i will not have debts , my children settled. Im not a person to take help from my sons. Side by side will save little
bhai abhi uska beta 10 mahine ka h.. baccha bada hoga to uske kharche badhenge… 5 saal ki umar se wo baccha school jaega to 5k easily usme jaega…. ye bahot ideal h plan… if she gets another baby then kharche aur badhenge…. ye plan aisa banaya h ki salary badhega to investment step up krdo lekin baccha 10 mahina ka hi rhega😂😂😂
Hello Ankur Sir, You're truely a great source of inspiration for all of us, which gives us huge motivation for our livelihood. For last four years I've invested in following Mutual funds through SIP:- (a) Kotak Emerging Equity Direct - 3000/- (b) Mirae Assets Large and Midcap - 2000/- (c) Kotak Flexicap - 1000/- (d) Parag Parikh Flexicap - 2000/- (e) ICICI Prudential Flexicap - 1000/- (f) Tata Small cap - 2000/- (g) ICICI Prudential Nasdaq - 2000/- (h) ICICI Prudential Commodity - 50000/- (One time) Kindly review my portfolio, if any changes are required for better growth in long term (20 years). Thank you 🙏
Hi everyone, Any recommendations on my portfolio… I am investing (SIP) 35k every month on these mutual funds… 1.Motilal oswal midcap-15k 2.Parag parikh flexi cap-5k 3.Nippon india multicap-5k 4.Quant small cap-10k
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir you are brilliant.........
Sir meri ek request hai,
Hume aaj sunne me bahut acchha lagta hai 1 crore 20 year baad me milega.
But aap ye b calculation krke bataya kijiye ki 20 year baad me 1 crore ki aaj ki value approx 25 se 35 Lakh hogi then Hume samajhne ki jarurat hai agar aaj ki 1 crore ki value 20 year baad chahiye to approx 3 crore ki planning krni hogi !!!! I think meri calculation kuchh had tk to sahi hogi???
sir i am in a problem that ,I have borrowed 20 lakhs from my family for doing a business at 0% interest rate, but I have to repay the whole amount so I decided to pay them some money every week but at the same time I have to pay my Other dues like material payment , transporter payment etc every week .How can I repay them as quickly as possible? What is best rule for it Please make a video on it.
You video is very knowledgeable sir 🙏
Sir please tell us.. what will be the future of Mutual Fund. SIP is increasing day by day all people are aware about the compounding. So after 20 years it will be profitable or mutual funds are becoming a big bubble that can burst after a long time. Plz make a detail video on this. Thank you 🙏
Very Nice video🙏
I am watching this video from Odisha
Jay Jagannath 🚩
Jay Jagannath bhai
Things they shouldn't have ignored:
1. Husband's income and savings.
2. Child's education expense - recurring and inflating expense.
3. Plot loan - it will be time bound with construction loan.
4. Plot's price hike. Growing city like Bbsr can se 2-3x price hike in few years and spoil their land purchase plans.
5. Future family plan - maybe another child?
6. Health/term insurance cost.
7. Future investment and expenses in depreciating assets - car/bike/scooter.
8. Inflation vs Salary hikes. Salary hike may not be proportional with monthly expenses in upcoming years - considering Tata Steel is paying mere 53k/m to 8 year experienced.
9. Rental and utility inflation.
2 cents:
If she and her husband can jointly afford a plot worth 24L (she has saved good money) in full payment with a small loan of 10-15L for bare-minimum construction. Their home will be paid from the rental expense and will save them from increasing rental burden in future. And, purchased land will anyway appreciate better than FD/PPF/Savings account.
Oo then how can he suggest MF and the 10cr dreams... Just saying simple truths will nt help views
@@narayanansreenivasan2558land is also an asset. So many people became crorepatis by investing in land and gold.
We celebrate dhan teras every year. That teaches us to buy gold every year as much we can afford. My relatives have accumulated several kgs of gold by going through this route through decades. SIP is nothing new, just technology and investment vehicle changed. You can do everything at the same time. Share the loan EMI and sip with spouse.
@@narayanansreenivasan2558 True.
A mortgage may seem burdensome initially, but as inflation reduces the value of money, your fixed EMIs will feel lighter over time. In 30 years, those payments will likely seem minimal, and the property’s value will have appreciated significantly, making it a smart long-term investment.
Owning a home eliminates the stress of frequently shifting rentals, providing stability and a permanent, secure environment for your family, while diversifying your investment portfolio.
Thanks Mr. warikoo, your video keep motivating to me to reach 1 crore asap. Current folio 10L , I have increased the SIP ammount this month onwards to 72K. Planning for my first crore in 7-8 years , fingers crossed , Age 30.
@@trademoneynothealth how much were you doing earlier?
Another Tata steel employee watching this video, with almost similar salary but trapped in EMIs...
😂
😂
@@rkymsil 😂
Are you guys allowed to disclose salary on public platforms
😆
A small thing … company insurance can be converted into personal insurance when switching the company. Not many people knows about this….
I have made 30 lakhs portfolio since last 3 years. Annual CAGR is 27-30%. In next 6 years ,I will make 1.2 cr if I get the same cagr. Thanks to ankur. -- guys I am not able to post any comment so I am adding here.. 5 lakh lumpsum and 30k Sip every month. Never missed or withdrawn any sip.
Kya aap apka investment kis fund mai karte hai bata sakte hai.
@@letstalk1959 how much you are investing every year that on that amount you have earned 30 lac ,
@@hiteshgandhi5889 5 lakh lumpsum and 30k SIP. I have only three funds. Large mid and small. Can't name them here. Sorry.hope you understand.
@@hiteshgandhi5889 5 lakh lumpsum and 30K sip every month.
Plz give details of your investment, it will be helpful for people like us
To everyone who is reading this, you are definitely going to be a millionaire , do not, i repeat do not ever give up❤
Update- wow i’m famous now🥹
Love you for this
Why do you have to "repeat"? Everyone knows this sh!t from long back, it's just our karma that's bringing us down despite all the efforts.
@@sreekanth4050everyone knows but do not apply in real life. That's why people do not become rich. Most people do not continue sip after 7 years due to temptation. Compounding doesn't look impressive until you go beyond 15 years. After 30-35 years your investment becomes gigantic like a banyan tree.
Can nri invest in mutual fund or sip
@@warikoonri can invest in mutual fund or sip
Very Inspired to see someone From odisha who wants to improve financial condition
Rosaline, if you are reading this, please buy the plot if you think it is in a good location, has basic amenities (water, sewage etc) and the price of land is going to appreciate or you would stay there in the long term/after retirement. Don't be penny wise, pound foolish. Make sure you do the registry and paperwork thoroughly well in order to avoid dispute or discrepancy in the future. However, you and your husband should make joint investment in it. Ankur's perspective is that from a person raised in Tier-1 / Delhi-NCR city. However, mindset and dynamics in tier-2 and smaller cities is different (which he may not be able to understand inherently). You and your husband both know that you are not going to switch or change your jobs or cities anytime soon, if at all. Rest of the suggestions were on point. Pls get term insurance, health insurance, accidental and disability insurance ASAP. Do thorough research and read the fine prints properly before buying them. DO NOT TRUST THE WORDS OF AGENTS. READ THE DOCUMENTS PROPERLY. Goodluck to you.
Very well said bro, hope more people speak up about this property decision in Ankur's video. He is not active all over India regarding property, and should admit in video that he doesn't know about that area.
Buying plot is good idea too. Helped me in life
@warikoo Great Video, Few points on this,
she has 13 years of experience in the Field, Considering that she might be in high 30's or low 40's. which means she has approximately around 20-25 years before she turns 60 for retirement age.
From all your calculations it felt like that will be the corpus she will need for her retirement it self
I understand her concern was about her 10 month old son so you focused more on that.
But I would have loved to see more insights on how she could plan her retirement on this corpus at the same time taking care of Child and the plot/future house.
She should include her husband also
Agar sab kuch akele hi karna hi toh phir shaadi kyu kiya tha...husband kya apne income se ghodo ko chaara khilayega...uska bhi toh kuch responsibility hai.
Salute your very professional, emphathy filled and humane advice to this young lady. Awesome work!
❤Ankur ji is a sweet, simple and sober person
It depends on where the plot is. Land rates in tier 2 cities especially on the outskirts are increasing by 20% +. If the land she is seeing is in an area that is developing fast, she can go in for it
Very genuine advice you have given. I liked your approach towards the investment.
Ppf is very good investment with no tax.
Before when 12% ROI was there
Sir really u great....u. explained step by step so nicely regarding financial planning..I think many of us learnt a lot and will follow.... Take care... please...
Waah... nice to know Odisha peeps are participating.... I'm also from odisha ❤
I am a 17 year old investor handling my mom's account, and ankur sir helps me a lot to make things easier for me, I hope he continues to do and and guide me always, i am leaving this comment here when i'll make money in crores I'll definately come back to this comment and tell sir that I DID IT!!!!
tab tak God Bless Ya'll❤
Did ankur sir guide u personally or aap sirf unke videos se seekh rhen? Ab tak kitna earn kiya aapne aur kitna invest kiya?
Great work...for giving financial education to everyone
TCSer watching the video. Proud to be TATAian.
Your personality is excellent sir.❤
Appreciate Ankur for your insights. Thank you
Heart felt congratulation for your qualitative conversation.
You are great influencer warikoo 🎉🎉❤❤❤
Ankur sir namaskar, mai mutual fund me sip start krna cahata hu sir please suggest me ki 1. kitne mutual fund me sip kare. 2. large cap,mid cap & small cap tino me krna hai to please suggest mutual fund name. 3. MF kaun se app se kare 4. sip & lumpsum me sabse best kaun sa rahega. 5. kya MF lete time tax saving MF me invest kare. sir please if possible reply me. thanks
You are a wonderful person. You are so respectful to all. Your investment plans are very practical
21:53 in Bhubaneswar the real estate returns is more than 15%. This is minimum you may expect 3 to 4 times in 5 yrs easily
@warikoo your voice is so soothing 😌
Very nice u are giving all of us good nice directions
( Mere comment ko itna like kro ki sir ki nazar me aajaye )
Sir meri ek request hai,
Hume aaj sunne me bahut acchha lagta hai 1 crore 20 year baad me milega.
But aap ye b calculation krke bataya kijiye ki 20 year baad me 1 crore ki aaj ki value approx 25 se 35 Lakh hogi then Hume samajhne ki jarurat hai agar aaj ki 1 crore ki value 20 year baad chahiye to approx 3 crore ki planning krni hogi !!!! I think meri calculation kuchh had tk to sahi hogi???
Haan to haar saal apki salary to badhegi...Aaj apka Jo salary hai 10 saal baad same hi salary hogi kiya ...uske hisab se aap investment karo
Unka khna h invest kro bus kuch to return milega hi 20 sal bad ghar pde pde 1cr nhi bnega khi to invest Krna पड़ेगा अपने पैसे को bdhane के लिए
Hello Anukr, Thank you for being such a amazing financial planner & advisor. I am one of your subscriber and a probably one of a top benefiter. Keep up the good work !!. Lots of Love and Respect from Mangalore, Karnataka.
Sir very good idea sir thank you so much❤️❤️❤️🙏🙏🙏
@warikoo Ek hi to dil he, kitni baar jeetoge!!
If you are so passionate, study for it and become a financial advisor.
SIP karte raho dosto crorepati jarur banoge🎉❤
Financial literacy is so important and I hope this reaches to more and more woman.
Ankur Bhai . I like your strategy very much. Iam following your strategy and ideas . You are doing great work 👍 Thank you so much for your work
Once again great job Ankur !!
thank you so much kranthi sir, you are giving a good knowledge to us. we are learning very much from your education.
I'm waiting this video from mysore karnataka. and a subscriber as well.
Modern day excel sheet Astrologer Warikoo
Very good suggestion sir.❤
@warikoo very nice video 🙏 helping everyone to make understand the importance of investment 🙏
Amazing sir ❤
Thank you so much sir 🙏 😊
Really bahut kuc milta hai sir aap say
Aadha Orrisa Steel Sector mein kaam karta tha ! TATA Steel - Fabulous 🤩
Outstanding guidance
After 3 - 5 years she will not get a plot in the same locality where she is planning to buy now. And the rates also will be much more after 5 years.
Everything is fine and informative. But what about income tax and GST shall to be paid after maturity. That should be informed, Please. And what initiatives will be taken from our side.
Love from Odisha.❤
@warikoo - 2 very basic questions! 1. If i have a SIP already happening and want to introduce the 'step up' bit in for each subsequent year, what is the process? Should i start another SIP in the same fund for the % increase every year? Returns will be the same as adding it onto the existing one? 2. If i choose to put the % increase everyyear into a new fund, would that still amount to the same from a compounding POV? Both scenarios are presuming these investments will go on for many years.
Invest in same fund. Adding new fund won’t help .i do the same .
As a CA student , I will try to answer this
Warning I am not a financial advisor nor a SEBI registered trader so take this advice lightly ( legally karna padtha hai).
1) NO .. just go in to your groww or zerodha a/c and select the SIP you are doing and down there should be an option to add step up.
2) Yes technically but the compounding rate will depend on the new fund as well.
Ex:- main SIP - 12% (12 years assumed) is 12.65% XIRR flat
If the money is invested in a 11% instrument the XIRR will be lower than 12.65% since a portion of money will grow at 11 and not 12 %
But yes it does compound
@@samkr2221 Thanks so much! A little twist - the existing SIP is through a broker and i wont be able to change that now. But it will be the same if i start a new SIP with the increased amount in Zerodha and then do the step up from there every year?
@@ShonaliSarda-x3m
1.u can import external sip into grow app there is option to do that but not sure if that allows to add step up
2. U can redeem existing SIP if not started more than year before and can start new in grow or zerodha with step up
@@ShonaliSarda-x3m Yes please do that and GL
Sir I don't know what is your age but your explanation better than young person ❤
@warikoo. Pls explain japan stock exchange remained at 1989 level for 30 years. Why the same cannot happen to indian stock market... Or why chinese stock market never grew the way its economy did..
Sir I am a big fan of your work the way you are helping people is incredible!!
Nice conversation ❤
@warikoo Don't evaluate expectation higher.. Talk about Taxes, deductions, Inflation adjustments.. just with excel and this approach don't give falls hope....
He will not try to reduce the rent outflow or calculate the difference between rent and emi...
The same spirit, comes when the market crashes.... then speak your all knowledge..
I am 44 bro. Have seen several market crashes :)
1st buy the plot then start investing as suggested. Otherwise you cant buy the plot in Bhubaneswar. After 10 yrs there will be no land. The land investment in BBSR is totally different than other major cities. It grows like 300-400% in 2/3/4 yrs. You may get a plot with 50Lakhs in 30/40 kms away from BBSR city if you plan after 5/10 yrs
Yes, I am from delhi region like ankur but would not advise about property in other city. He should not too, he doesn't know so much about property trends. Should be saying that he doesn't know in video.
15-20 saal baad 2-3crore ki adjusted inflation value kya hogi... why no one questions that
1 cr still it's a very good amount
Dear Sir,
I would like to thank and congratulate you for mentoring so many people in the field of financial discipline. I have learned a lot through your videos. I request you to kindly make a video and guide me and everyone as to how anyone can do better tax planning through mutual funds by investing in names of all family members (including minors), harvesting and other mechanisms (may be gifting or through HUF) assuming this is the no other income of other members. Thanks in Advance and best wishes. - With respect to new regime of the income tax.
Sir aapk samjhane ka tarika bhut acha he
How about the inflation. 2/3 cr will not be a value in next 20/30 yrs . How do you define on that?
Sir very good I like it i am From Leh Ladakh
You should make video on lower middle class people ..
Madam ko 13 years ka work experience hai and 7 years se tata company me working hain and inko nahi pata ki company life insurance inka diya hai ki nahi 😮
Tata in general insurance deti to hai
Life insurance ka nhi pata rhta bhai, mai software engineer ho kar muze 3 saal tk pata nahi tha
We have to go through the medical insurance policy T&C to get life insurance benefits aswell.
Insurance through employer is always less. We must assess our income and get insured accordingly. No one can help in these matters without taking a huge chunk out of it for themselves.😂😂😂
Ye khus hone ki bat ni hai.@@cloud_Engineer
Big fan you and your ideas you changed my life sir
The ultimate knowledge in each video with the dialogue 'LOVELY' ,,,, gives us more confidence and believe in our own strengths.. Thanks boss🙏🏻🙏🏻
Please clear one doubt Sir,, I know about mid cap and small cap MF but don't know about debt mutual fund and nifty 50 index fund .. kindly clear it.
Etf me sip karna kaisa hoga?
Another reason why She should Not buy plot now is, if someone takes bank loan for buying plot, its mandatory to start building house in that plot within next 2 or 3 years (varies bank to bank) and for that she have to take more loan.... Loan Trap
Thank you sir iam also from odisha jai jagannath 🙏🙏🙏
@warikoo Sir you missed to include the inflation and the increased amount on property market
1. Health insurance
2. Term plan
3. FD
4. Mutual fund.
That's repeated every time for all
Strategy is different for all to meet the goal. Try to understand the intention
Law of attraction 🧲
Because those are basics and the most important ones to secure your future financially. Had you truly understood the importance or gravity of it, you wouldn't have said this. Common sense is ofcourse not so common anyway.
Plot ke price bhi increase ho jayenge 5 years me??
Sir jee the maximum cap for PF is somewhere close to 1800. It can’t be more than that. Hence 12%of basic (max being the 15k)
Very well information
Ankur im 59 im following your idea of clearing bad debts. Made a plan. By 65 i will not have debts , my children settled. Im not a person to take help from my sons.
Side by side will save little
bhai abhi uska beta 10 mahine ka h.. baccha bada hoga to uske kharche badhenge… 5 saal ki umar se wo baccha school jaega to 5k easily usme jaega…. ye bahot ideal h plan… if she gets another baby then kharche aur badhenge…. ye plan aisa banaya h ki salary badhega to investment step up krdo lekin baccha 10 mahina ka hi rhega😂😂😂
Salary also increased with time
Sir, I believe you should also provide your participants with an idea of the inflation-adjusted amount after 5, 10, 15 & 20 years.
Thanks good news of mutual fund
But after 3-5 years, if the plot has already been sold toh fir kya fayeda? because she is locating to that location for education majorly
Kya real state mein invest karna best option hai?
Hello Ankur Sir,
You're truely a great source of inspiration for all of us, which gives us huge motivation for our livelihood. For last four years I've invested in following Mutual funds through SIP:-
(a) Kotak Emerging Equity Direct - 3000/-
(b) Mirae Assets Large and Midcap - 2000/-
(c) Kotak Flexicap - 1000/-
(d) Parag Parikh Flexicap - 2000/-
(e) ICICI Prudential Flexicap - 1000/-
(f) Tata Small cap - 2000/-
(g) ICICI Prudential Nasdaq - 2000/-
(h) ICICI Prudential Commodity - 50000/- (One time)
Kindly review my portfolio, if any changes are required for better growth in long term (20 years). Thank you 🙏
नमस्ते!
you are investing good amount but have taken a lot of funds. Please reduce it to 4 max.
Sir sip kon se company me start karna chahiye please tell
Love you sir❤
Yeh Banda crore ke niche baat hi nahi krta😂
1 croreeeeeeeeeee😂
20 saal baad apko pata chalega ki ye sahi kah rha tha
@@AnandMishra5100agar kharch karne layak bache toh 😂
@@AnandMishra5100 7 chrorrrrrr
50k ke aas pass kuch baat karo, tab samjhu kyuki meri utni hi aukat hai jama karne ki
Great 👍
Plot rate also will appreciate geometrically, so invest in plot today.
Nice person ❤
Sir which mid cap and small cap investments should buy
ETF or index fund konsa accha hai
Kya ye book hindi version me available hen sir
Sir pucho Tata steel ke share price kab increes hoga
यह बंदा किसी को गरीब नहीं रहने देना चाहता, सबकी मदद करते हैं
Sir beginner ko kaise start krna chahiye
Happy to see you sir
Love you sir
Mujhe sip sip suna lekin sip main konsa sipstock buy kore
Very nice video
Sir Mutual fund Direct m SIP start krke bhul jao aur deduct hote rahne de. yahi hai na? Ya kuch follow-up dekhna padta hai
Hi everyone, Any recommendations on my portfolio…
I am investing (SIP) 35k every month on these mutual funds…
1.Motilal oswal midcap-15k
2.Parag parikh flexi cap-5k
3.Nippon india multicap-5k
4.Quant small cap-10k