Achieve FINANCIAL FREEDOM with Rs. 20,000! | Money Matters Ep. 2 | Ankur Warikoo Hindi

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  • เผยแพร่เมื่อ 17 พ.ค. 2024
  • 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.
    If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
    In this enlightening discussion, Divyashri shares her aspirations of achieving financial freedom and kickstarting her retirement investments. With a prudent approach to finances, she prioritizes minimal spending on wants while focusing on career growth.
    Join us as we delve into a comprehensive financial plan tailored to Divyashri's goals and aspirations. From retirement planning to investment strategies, we navigate through her financial landscape, offering valuable insights and actionable advice along the way.
    Want to join me on the show? Fill this form and my team will reach out to you: forms.gle/uj9JPUBp8Wo9nZQi7
    00:00 Introduction
    01:13 Who is Divyashri?
    03:20 Divyanshri's financial goals
    04:18 Monthly financials
    09:30 Financial Plan number 1
    12:20 Financial Plan number 2
    13:00 Recommended Monthly Budget for 20,000 INR Salary
    17:00 My Investing plan for Divyashri
    21:00 Investing plan future projections
    25:50 The power of compounding
    27:55 The 3-step summary
    29:30 2 ways to buy mutual funds
    33:25 The most difficult life lesson
    35:30 Conclusion
    #FinancialFreedom #RetirementPlanning #warikoo
    ------------------------------------------------------------------------------------------------------------------------------
    Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
    SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6...
    My Money Apps: bit.ly/3Zg56eR
    My bestselling books:
    ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
    ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
    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
    Useful links:
    20 books for your 20s: bit.ly/WarikooBooks
    20 online courses for your 20s: bit.ly/WarikooOnlineCourses
    Gadgets that I use: bit.ly/WarikooGadgets
    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 and in 2022 we contributed 53L.
    Let’s connect online:
    🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoq...
    📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
    📱 Instagram: / ankurwarikoo
    🐦 Twitter: / warikoo
    👨🏻‍💻 LinkedIn: / warikoo
    😄 Facebook: / awarikoo
    🖋 Daily Blog: ankurwarikoo.com/blog/

ความคิดเห็น • 1.5K

  • @warikoo
    @warikoo  2 หลายเดือนก่อน +132

    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.
    If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
    Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
    My Money Apps: bit.ly/3Zg56eR
    My bestselling books:
    ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
    ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
    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
    Useful links:
    20 books for your 20s: bit.ly/WarikooBooks
    20 online courses for your 20s: bit.ly/WarikooOnlineCourses
    Gadgets that I use: bit.ly/WarikooGadgets
    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 and in 2022 we contributed 53L.

    • @shubhamsharmaofficial04
      @shubhamsharmaofficial04 2 หลายเดือนก่อน

      i want to come on your channel sir please sir provide me this opportunity sir hats off to you sir you are doing great work by heart hoping to come on your channel and want to give my honest review on your recent book launched make epic money sir

    • @ritikamanochastudytutorial7275
      @ritikamanochastudytutorial7275 2 หลายเดือนก่อน

      Sir I want to come to your channel to discuss about my financial plans, I think there would be a good discussion as I have so many things to discuss on it.

    • @GaneshDebbarma-kt2zn
      @GaneshDebbarma-kt2zn 2 หลายเดือนก่อน

      ne@@ritikamanochastudytutorial7275 next

    • @acshaybhosale7745
      @acshaybhosale7745 2 หลายเดือนก่อน

      Just one thing.... Please don't stop these shows whatever happens ....

    • @theamreshsharma
      @theamreshsharma 2 หลายเดือนก่อน +2

      Dear Ankur Sir,
      I'm very excited to come on your channel to have more discussion about my financial planning,
      Please give me a chance thanks
      I've seen all your videos and learnt so many things by you
      Thanks,
      Amresh Sharma

  • @AbhishekKumar-er6uy
    @AbhishekKumar-er6uy หลายเดือนก่อน +264

    me watching with 0 income..

    • @saigangachari1159
      @saigangachari1159 19 วันที่ผ่านมา +1

      Mee too

    • @user-ch7kn2kf8e
      @user-ch7kn2kf8e 18 วันที่ผ่านมา +2

      So do plan I am learning and get ideas in mutual funds

    • @user-ch7kn2kf8e
      @user-ch7kn2kf8e 18 วันที่ผ่านมา +2

      What is yours age

    • @dailyexplorers1051
      @dailyexplorers1051 17 วันที่ผ่านมา +1

      Us Bhai 😢

    • @lovenlive
      @lovenlive 14 วันที่ผ่านมา

      Us....bro....😢

  • @parinitamallah
    @parinitamallah หลายเดือนก่อน +357

    What an informative session. The fact that you are addressing young people making ₹20k to ₹25k a month - which is the majority crowd nowadays- is so inclusive. Really helped a lot. Thank you.

    • @spacetime9196
      @spacetime9196 24 วันที่ผ่านมา

      Great video but some contra points i though about..
      Mainly what is the expected Return percentage you have used for calculating?? Gold and EPF cant be included in SIP calculation.
      1. CLOSE COURSE LOAN WITH PARENTS SUPPORT IMMEDIATELY IF POSSIBLE. You can repay them without interest. More to save
      2.Try to improve salary as soon as possible.
      3.Instead of investing 1500 initially, she has to save at least 50k for personal emergencies/future needs though parents are earning.THIS CAN HELP AVOID TAKING LIANS IN FUTURE.
      In that 1-2 years she can learn about stock market investing.
      Instead parents can support to invest some of their money in MF in her name.
      4. Can parents take care of themselves financially after retirement? If no, initiate them to close loans/ investment too.
      5.Salary to invest wont by increment 10% for 35 years. :/
      6.Diversify/rotate investments in future, yes parents might have house or other assets still.
      GOOD LUCK WITH THE VIDEO SERIES, very much needed ..

    • @arindammazumdar536
      @arindammazumdar536 19 วันที่ผ่านมา

      Indeed

  • @WeThePeoplebyRoshanPawar
    @WeThePeoplebyRoshanPawar 2 วันที่ผ่านมา +2

    सबसे पहले आपको धन्यवाद, आप हम सभी को पूरी लगन से पढ़ाते हैं, आपके हर शब्द में दम है, मैं पिछले दो दिनों से आपके वीडियो देख रहा हूं, मुझे आपकी पढ़ाने की शैली भी बहुत सम्मानजनक लगती है 🙏

  • @mahikarsai
    @mahikarsai 2 หลายเดือนก่อน +129

    learning alot from your classes sir ! 3 months back i used to have 0 knowledge on mutual funds and investments ! started learning from you ! started investing in mutual funds and diversified my portfolio ! my age is 26 now and planning to invest till 50 years of age ! These days when ever i get a craving to order something junk from outside - investing the bill amount into mutual funds , eating fruits and home cooked food and doing excercise for 30 mins ! By this im incorporating investments into my life style and also my health is benefitting ! This also gives me assurance that even if i lose money it doesnt matter because anyhow i was planning to waste it on junk food ! im forever grateful to you !

    • @medasbabu
      @medasbabu หลายเดือนก่อน +6

      hearing it from 26 yo, is really great, keep it up.

    • @bullymaguire793
      @bullymaguire793 29 วันที่ผ่านมา +5

      Losing money is always a matter of concern. You will realise it once you have lost. And it will keep pinching you.

    • @mahikarsai
      @mahikarsai 29 วันที่ผ่านมา

      @@bullymaguire793 I agree ! By gods grace , I’m a doctor with good health security and financial security ! And every financial decision is taken with complete conscious mind ! ❤

    • @krisgurung7737
      @krisgurung7737 วันที่ผ่านมา

      This is actually inspiring😄 I'm 23 n hv a bad habit of spending money on junk. Gotta invest them frm niw onwards🙌✨

  • @manpreet0784
    @manpreet0784 2 หลายเดือนก่อน +21

    Thanks so much Ankur for this priceless video. And those who are saying ki calculation oversimplistic hain...kuchh bhi kabhhi perfect ya ideal ya certain nahi hota dosto. Ye video ka jo message ha vo agar tum samjh gye to you can build substantial wealth for your future.

  • @aartisaxena8934
    @aartisaxena8934 2 หลายเดือนก่อน +19

    That's the only reason I am following you. Well explained about investing. You are doing great job sir!👏👏

  • @sudhanshurajakkumar
    @sudhanshurajakkumar 2 หลายเดือนก่อน +30

    One of the best video i have ever seen about financial knowledge and investment and the client is so genuine & real example of many Indian youth..

  • @vikaskumarcreatoryt
    @vikaskumarcreatoryt 2 หลายเดือนก่อน +9

    Wonderful session sir
    I am 24 Right now
    Sach me social media /TH-cam se hame kafi knowledge milti hai jabtak aap jese log rahenge sir.
    36:50 Duration me hi , Etni badi sikhh de di aapne :- The Power of c.i
    Thank you ! 👍

  • @Jagadeesh_korupala
    @Jagadeesh_korupala 2 หลายเดือนก่อน +19

    Excellent information to younger generations
    Now....
    Tq so much
    Ankur sir ❤🎉

  • @programmingtechnical6132
    @programmingtechnical6132 2 หลายเดือนก่อน +4

    I really enjoy Ankur Warikoo Money Matters series because he explains and tells that whatever be your salary, you can still eye at investment.

  • @wasimahmed7488
    @wasimahmed7488 2 หลายเดือนก่อน +11

    Sir ey series start kar ke apne bhohot accha kiya. bhohot lok to apna sirf finance ka video bana dete hai ...but ap ne logo ka problem samja Or practical solution nikala.. Great love you sir... 😊

  • @suniljoshi5484
    @suniljoshi5484 2 หลายเดือนก่อน +3

    Good morning sir. This is wonderful teaching about money management I really liked it sir. People will charge money for teaching this but you are teaching us free of cost really great Sir. I thank you from my bottom of heart. After hearing 320 crore I got goose bums Sir. It's very very useful to everyone who is around 25-26 years or below this. Hats up you sir. Love you.. 💐

  • @ManishKumar-cu8cz
    @ManishKumar-cu8cz หลายเดือนก่อน +40

    Now I'm 23. When i started investing, i was 20, at that age i read alot of books and invested in crypto, forex, and stocks. And learned alot of things fundamental, technical and F&O with very small amount of money. Now I'm back into Mutual funds with regular SIP. looking for stable retirement income. I have learnt everything by myself.
    Remember folks Time is the key here.

    • @editingontheway7318
      @editingontheway7318 หลายเดือนก่อน

      Same here😅

    • @undisputedone4410
      @undisputedone4410 หลายเดือนก่อน +1

      Investment amount > Investment time

    • @Glitched23
      @Glitched23 หลายเดือนก่อน

      yo can anyone explain how 1.8cr became 85lakhs only in his calculation, really new to this

    • @byd9073
      @byd9073 หลายเดือนก่อน

      I started investing at 28. Started earning in 23 with 15k per month in Delhi. No savings then. Now I'm on JRF scholarship and I save 30 percent and invest in SIPs now. It's never too late to start. Every one's situation differs

    • @yogitabag4618
      @yogitabag4618 หลายเดือนก่อน

      @@Glitched23 if you include inflation in 1.8cr calculation then you get 85Lakhs

  • @venkateshs1214
    @venkateshs1214 2 หลายเดือนก่อน +5

    Thank you Warikoo sir, your videos are really helpful and on point. Please keep uploading more videos.

  • @funnybutgood9157
    @funnybutgood9157 2 หลายเดือนก่อน +2

    Thanks lots boss
    After I have seen your videos I have started to invest in mutual fund my Target for investment is 20-30 years

  • @9royden
    @9royden 2 หลายเดือนก่อน +36

    I have been following you since three years warikoo sir! Really appreciate the way you help people like me with right financial knowledge and way you articulate in simple English and Hindi is awesome! Because of your idea I was able to pay my home loan of 20 years within 6.5 years it was 51L loan amount: and I am taking an aggressive step up SIp of 15% . I started at age of 30 and now I’m 37. So far so good! My goal is to achieve FIRE number at age 47! Thank you ! I recommend all my younger family members to follow you and learn from you:

    • @bhajraj_
      @bhajraj_ 2 หลายเดือนก่อน

      Congratulations! Please share your journey.

    • @Dave_en
      @Dave_en หลายเดือนก่อน +1

      Step up SIP doesnt work like fixed income schemes. Averaging doesnt happen and you loose the extra money.

    • @9royden
      @9royden หลายเดือนก่อน +1

      @Dave_en the comparison that you are making is not correct in my opinion. With step up SIP I started at the age of 30 and now sitting at a decent corpus with XIRR of close to 17.5%. Now i don’t understand why you are comparing with fixed deposit where XIRR will not be even 7-8%?? We bought a villa for ourselves in Bangalore n took a loan for 20 years. With gods grace and two people earning saving and investing well we cleared the home loan of 20 years in 6.5 years. Again by using same method what warikoo mentioned. We increased EMi principal every year 20% and some part payments too.
      So In mu opinion, this is aggressive goal of retiring early needs aggressive and smart investment strategies. Can’t have a mind set of fixed interest and retire early!

    • @Dave_en
      @Dave_en หลายเดือนก่อน

      @@9royden I am not comparing the returns of FD and mutual fund schemes. MF is definitely better but it works on cost averaging principle. If you increase the installments then the average cost also increases. You might have got more sum at the end.

  • @English-CONSULTANT17
    @English-CONSULTANT17 2 หลายเดือนก่อน +10

    Jabrdast conversation. I listened to it very carefully as I always watch your videos and I have read your two books you are the hero for me ❤️ salute to you sir❤❤❤❤

  • @dhirenderu1
    @dhirenderu1 2 หลายเดือนก่อน +90

    Ankur, the payment of 10,000/- was meant to cover the course fee for one year, which translates to 833/- per month as an EMI. However, it seems there was an error in the calculation as you considered it on a monthly basis.

    • @samruddhijaware3834
      @samruddhijaware3834 2 หลายเดือนก่อน +16

      He missed that part and she maybe hesitated to correct him or didn't notice either.

    • @divyanair6595
      @divyanair6595 2 หลายเดือนก่อน +7

      That means she will have more money to invest currently thereby resulting in increased capital accumulation

    • @sridharrv1322
      @sridharrv1322 2 หลายเดือนก่อน +3

      I had the same doubt

    • @sharonpaulson31
      @sharonpaulson31 หลายเดือนก่อน +1

      @warikoo

    • @nostalgic_ads
      @nostalgic_ads หลายเดือนก่อน +7

      Maybe the course costs 1.1L -1.2L and that's why have an emi of 10k per month

  • @dishanidaschoudhury4303
    @dishanidaschoudhury4303 2 หลายเดือนก่อน +6

    A big thank you to you Warikoo sir. I am also 26 now and this conversation addressed many of my questions about Investments too. We are a blessed generation to have such great mentors!

    • @biswajitswain2877
      @biswajitswain2877 2 หลายเดือนก่อน

      savings increment 10%😯😯😲😲 kuchha jyada nahi ho gaya.
      After 39 years she will be obliged to pay 4.4lakhs per month according to this investment plan.

  • @AsifAbedin
    @AsifAbedin 2 หลายเดือนก่อน +6

    Thank you Ankur. your every video is amazing and eye-opening, keep sharing amazing lessons.

  • @theredbaron28
    @theredbaron28 2 หลายเดือนก่อน +11

    I'm truly thankful to Ankur bhai for these lessons.

  • @complicatedcompilation7506
    @complicatedcompilation7506 2 หลายเดือนก่อน +11

    It's soooooo good to see that he wasn't judging her for her poor financial decision, i would love to see more ❤

    • @ragnar000lothbrok
      @ragnar000lothbrok 2 หลายเดือนก่อน +2

      Poor financial decision????

    • @jjmclasses4901
      @jjmclasses4901 2 หลายเดือนก่อน +1

      He is making you a 😂😂😂😂😂

  • @TravelWithSravan
    @TravelWithSravan 2 หลายเดือนก่อน +10

    This series is the BEST, I cannot wait to talk with you and be the first NRI Indian in this Money Matters.
    Your explanation is just tooooooooooo GOOD.

  • @NiranjanBendre
    @NiranjanBendre 2 หลายเดือนก่อน +64

    Increasing the investment by 10% every year is not possible but certainly agree that compounding is magical! I have used it and will continue to use it. Love it!

    • @medasbabu
      @medasbabu หลายเดือนก่อน +3

      Its possible, as one's salary will also increase and one will find ways to save money by avoiding spending on unnecessary stuff.
      One point is one will get into a part of life, where one would need some funds and we will withdraw it, so the final amount will reduce.

    • @jiraiyagaming6491
      @jiraiyagaming6491 หลายเดือนก่อน +2

      Increasing by 10% every year, Does it means to start new sips or we have to increase the previous sips amount?

    • @NiranjanBendre
      @NiranjanBendre หลายเดือนก่อน

      @@jiraiyagaming6491 either ways. Whatever is allowed or convenient.

    • @medasbabu
      @medasbabu หลายเดือนก่อน

      ​@@jiraiyagaming6491 Increase the existing SIP, thats better and easy to manage

    • @Shubhampalzy
      @Shubhampalzy หลายเดือนก่อน +1

      Increase the previous sips

  • @rjayush
    @rjayush 2 หลายเดือนก่อน +33

    Thank you, Sir, for having subtitled it in English, so that the I and Deaf fans can understand what's going on.

    • @baadshahkhan7558
      @baadshahkhan7558 2 หลายเดือนก่อน

      Koi faayda nahi hai

    • @Nature-vn9iw
      @Nature-vn9iw 12 วันที่ผ่านมา

      ​@@baadshahkhan7558kyu bhai ?

  • @sologrinder123
    @sologrinder123 2 หลายเดือนก่อน +8

    You are the kind of influencer we all need in this era to sustain future generation. Very informative and useful. ❤

  • @priyasingh9915
    @priyasingh9915 2 หลายเดือนก่อน +1

    Mei bahut phele se dekh rahi thi kal apne husband ko dikhaya aur he was happy n satisfied after watching your videos. He got all his answers from watching your videos

  • @shivammishra-bf6vp
    @shivammishra-bf6vp 2 หลายเดือนก่อน +1

    I knew it from before but actually you made me realise power of compounding ❤
    Thank you sir

  • @vkchaitanya2003
    @vkchaitanya2003 2 หลายเดือนก่อน +3

    Good to see average Joe on the episodes. Congratulations Divyashri on embarking this financial journey

  • @amitmahind7971
    @amitmahind7971 2 หลายเดือนก่อน +10

    You are great sir 👌🏻👍🏻. You are best finance teacher

  • @mithunkumar1988
    @mithunkumar1988 หลายเดือนก่อน

    Maine jab kamana suru kiya tha more than 60% of my salary I was saving but it was in my saving account, agar koi mujhe bhi sahi guide karta to main bhi aaj crore pati hota but koi nhi job ke 5-6 saab maine investment suru karde thi thanks to TH-camrs like you sir.

  • @rohanmurudkar
    @rohanmurudkar 2 หลายเดือนก่อน

    One of the best and simple to understand videos I have ever watched on investments..

  • @chandrakantasahoo1736
    @chandrakantasahoo1736 2 หลายเดือนก่อน +12

    Really very interesting,I read all three books by Ankur Warikoo Sir , specially MAKE EPIC MONEY from this book I have gained so much idea for investing

  • @vinaykumar4864
    @vinaykumar4864 2 หลายเดือนก่อน +13

    Increase the sip amount 10%,
    Even if your salary increases by 5 % it's achievable.

  • @mmg99
    @mmg99 2 หลายเดือนก่อน +1

    It's good to see that some channel is covering the ground reality. Every other channel is covering people with 40lpa.

  • @TARGET1CRORE40
    @TARGET1CRORE40 2 หลายเดือนก่อน +3

    Dream big❤
    Highly recommended one🔥
    Keep investing.. Keep moving 💪📈🚀

  • @divakarsinha5118
    @divakarsinha5118 2 หลายเดือนก่อน +5

    I really want to take a moment to Thank you @ankur …I started watching videos around July’2021 after moving from US…Some key things have changed my perception of investment after watching your video…Now I am 30% just with MF…I have also started distributing my wealth which earlier I never did…Let me know if you need a detailed feedback I am happy to write one

  • @AyushSingh-qv4bv
    @AyushSingh-qv4bv หลายเดือนก่อน +3

    Sir please ek aasi hi vedios ek responsible man ke liye bhi bana dijiye just like a middle class man with alot of responsibilties...This will make us more clear about investing along with taking care of our family and other responsibilties..🙏🙏

  • @mehabharis1499
    @mehabharis1499 หลายเดือนก่อน +2

    I liked the way you spoke to her trying not to make her uncomfortable..you are so generous

  • @rajubhadane7381
    @rajubhadane7381 หลายเดือนก่อน

    सर आप ने अपनी ये बात बहुत खुल के कही की आप ने ४० की आयु में इंवेस्टिंग चालु की. और ये बात बिलकुल सच है की हमें भी यदि पहले से कोई ये सारी बाते बताता तो आज हम भी कुछ और होते.
    इसे बड़ी राहत मिलि की में ही सिर्फ पीछे नहीं हु. मेरी आयु अभी ४४ है. और मेने ३७ की आयु में ५ हजार प्रति माह SIP शुरू की है. ३५००० की सैलरी में से.
    पिछले साल कुछ रुपयों की जरुरत के कारन मुझे वो SIP रिडीम करनी पड़ी और अभी फिर से ज़ीरो पर हु. लेकिन SIP चालू है बंद नहीं की मेने.
    और इस साल से उसमे २०% रकम बढावूंगा जिसे की अगले १० सालो में जो मेने रिडीम किया है वो भी कवर हो सके.
    बड़ा मनोबल बढ़ता है आप के विडिओ देखकर.
    खूब खूब धन्यवाद.

  • @ProudMaharastiran
    @ProudMaharastiran 2 หลายเดือนก่อน +6

    Wonderful, Inspiring, sir. I like the way you explain.. lots of love from Germany

  • @homemakersweety7757
    @homemakersweety7757 2 หลายเดือนก่อน +3

    Superb ! Power of compounding

  • @myname5958
    @myname5958 วันที่ผ่านมา

    Kudos to the girl. At the age of 26 earning 20k and still being so humble and studious.

  • @SetYourGoalswithAmisha
    @SetYourGoalswithAmisha 2 หลายเดือนก่อน

    Very much informative. I'm really admiring you Ankur ji. You are the true mentor for those who really wants to grow no matter how hardwork he/she has to do. I too wants to help professionals, new commers to achieve altogether.

  • @robby1992
    @robby1992 2 หลายเดือนก่อน +409

    marne se pehle 320crore leke kya krenge, we need 2 to 5 cr now to enjoy life and have financial freedom.

  • @piyushkumar-cf5gv
    @piyushkumar-cf5gv 2 หลายเดือนก่อน +18

    The power of disciplined investing does wonders and by the way amount is close to 32 crs after 35yrs. 320 cr kind of shook me i calculated only to find out its 32 crs i guess it was misread in flow.

    • @vamsivamc2001
      @vamsivamc2001 หลายเดือนก่อน +2

      Yeah i don't understand how it's going to 320cr

    • @satyamnayak3330
      @satyamnayak3330 หลายเดือนก่อน

      ​@@vamsivamc2001 32 cored ka value inflation calculation karke long term capital gain tax bharke 8 cored bachega

    • @zeeshankilledar8117
      @zeeshankilledar8117 27 วันที่ผ่านมา

      Just increase your investment it will increase your profit simple

  • @SimiiiD_
    @SimiiiD_ 2 หลายเดือนก่อน

    I’m so glad I found this channel thankyou so much sir. Now I’m so motivated to invest for my future self.

  • @sarabpreetsingh2014
    @sarabpreetsingh2014 2 หลายเดือนก่อน +1

    It was a great lesson, but the thing is that the mutual funds and other investment options will not give such high returs over the long run.

  • @shifaathussain4631
    @shifaathussain4631 2 หลายเดือนก่อน +4

    Nice discussion, fruitful one. But Can Warikooo take/include 35 years of age person discussions as well !!

  • @decoder369
    @decoder369 2 หลายเดือนก่อน +7

    Respect button for this girl ❤

  • @ankitsonkar7276
    @ankitsonkar7276 2 หลายเดือนก่อน

    I am so happy sir, we all need your mentorship forever, lots of love and blessings to you & your family.
    Stay fit & wealthy 😊.

  • @user-kt9xo4jj5e
    @user-kt9xo4jj5e 2 หลายเดือนก่อน

    Hey, thanks for guiding with so much enthusiasm and I'm really happy from your initiative of starting this money matters series. It would be a great pleasure for me if I get chance to be a part of this money matter series. I started my investing journey from January 2024 by following your guidance. Thank you!

  • @asifhossain4711
    @asifhossain4711 2 หลายเดือนก่อน +42

    10℅increament in investment is nt possible. Becoz expenditure will increase when parents r getting old and we get married.
    And thank u sir for nt choosing 25 lakh or 50 lakh package individual for such type of session

    • @deepansukumarsingh4725
      @deepansukumarsingh4725 2 หลายเดือนก่อน +6

      it is possible. why are you thinking only about increasing your expenses and not your income. Increase your income also.

    • @tanmaydubey1067
      @tanmaydubey1067 2 หลายเดือนก่อน +1

      I agree with Asif. As parents get old, medical and other expenses increases significantly as compared to salary (given that Indian market has only max 7% increment rate, specially in IT industry these days). Also, consistent increment is not possible and switching industry frequently is also not possible for many as stability factor hits.

    • @trueadvisers
      @trueadvisers 2 หลายเดือนก่อน

      simply have a look at how big the sip amount whould have been if continue increasing @10% every ear for 35 years. That's not going to be possible for her to keep the sip going at such high amount 8000*1.1^35 years= 224819 pm . How can she manage to pay 224819 per month EMI

    • @anirudhshukla8224
      @anirudhshukla8224 หลายเดือนก่อน

      ​@@trueadvisers but assuming 10% increase in her salary per year, she will be earning 562048.73 rupees. and according to her current investment plan,she's putting almost 50% of her salary in investments. So it's doable

    • @anirudhshukla8224
      @anirudhshukla8224 หลายเดือนก่อน

      Obviously this is all hypothetical and noone can have 10% increase in their salary consistently and she will have her needs increase as she gets older, so all of this isn't exactly doable but if the current situation continues for the next 35 years then it's possible (hypothetically)

  • @crazydrifter13
    @crazydrifter13 2 หลายเดือนก่อน +8

    Dear Ankur sir, please tell the guests to send you the audio file instead of capturing from the video call stream. For eg if they are joining the call with a laptop, they can also start the audio recorder in their phone and later your editor can easily add that audio into the video. Much better audio quality that way. Sorry to say but The audio quality of the guest was not upto the mark... Couldn't understand much out of what she said at 2x.

  • @debzkool
    @debzkool หลายเดือนก่อน

    Wish we had such education at the beginning of our career..learning all this at the age of 40...hope can make something starting now.

  • @soumenadhikari8305
    @soumenadhikari8305 2 หลายเดือนก่อน

    Thank you sir ❤aap se education lete hue acha lagta hai sir

  • @Happysoul_3
    @Happysoul_3 2 หลายเดือนก่อน +6

    Dipeshri you are brave for coming up live with Ankur sir. I liked your vibe. I am also sailing on the same boat like you as a young women.

    • @warikoo
      @warikoo  2 หลายเดือนก่อน

      Thanks a ton

  • @tanishqsapare
    @tanishqsapare 2 หลายเดือนก่อน +9

    This man is born to Make History 🔥🔥
    Surely Sandeep Maheshwari of Finance Sector ❤❤

  • @nikhilchodankar4277
    @nikhilchodankar4277 2 หลายเดือนก่อน

    Awesome conversation. Learnt a lot from this! Look forward for such episodes.

  • @dianavictoriabaite2958
    @dianavictoriabaite2958 2 หลายเดือนก่อน

    Great watching your channel giving me so much knowledge in financial management and investing,wish I had someone who guide me earlier as you said ❤big big thanks God bless

  • @techad7346
    @techad7346 2 หลายเดือนก่อน +208

    The biggest problem in this calculation is we are stepping up by 10% every year. In the starting years it's easily possible. But not for the last few years. The investment amount will be too big to invest.......

    • @anirbanbanerjee4236
      @anirbanbanerjee4236 2 หลายเดือนก่อน +52

      Rightly said. Not everyone's salary increases by 10-15% every year.

    • @warikoo
      @warikoo  2 หลายเดือนก่อน +193

      We overestimate what we can achieve in a year. And underestimate what we can achieve in a decade.

    • @subhabratachoudhury
      @subhabratachoudhury 2 หลายเดือนก่อน +18

      10% stepup is not a realistic thing

    • @thetallandhandsome
      @thetallandhandsome 2 หลายเดือนก่อน +20

      Take it an an idea ! Start with 5% . Reach an acceptable SIP amount and let it compound for 15 years. It's really works.

    • @tanmoysarkar2589
      @tanmoysarkar2589 2 หลายเดือนก่อน +2

      ​@@warikooSir, How to Step Up by 10% every year.... Is there any option???

  • @gouravfromuk
    @gouravfromuk 2 หลายเดือนก่อน +4

    Bhai thanks, sabko crorepati bnane ke lie

  • @harshvala3205
    @harshvala3205 2 หลายเดือนก่อน

    Hello Ankur Sir,
    I follow your videos from long ago,
    Even I have started my financial understanding from you, the basics of investing, basic of mutual funds and much more,
    I love the way you make everything understand easy on Excel and do the magic with numbers,
    I would love to appear on Money matters episode and solve my financial goals from you.
    In hope you see my comment.
    Lots of love from Gujarat.❤

  • @rakeshjadhav08
    @rakeshjadhav08 หลายเดือนก่อน

    Great series of videos! Thanks a lot for putting this together here. Would also love to see short videos of highlights!

  • @RakeshVerma-qy4zr
    @RakeshVerma-qy4zr 2 หลายเดือนก่อน +7

    That’s why “Power of Compounding “ is called as 8th Wonder of world 🌎 😊

  • @PadmanavTalk
    @PadmanavTalk 2 หลายเดือนก่อน

    Perfect sir Thank you for sharing ❤❤❤

  • @technofete
    @technofete 2 หลายเดือนก่อน +24

    Giving hope is really great but false hopes like these (320 Cr) is not right !!
    U need to spend on many things in ur life life doesn't always go constantly as u expect 🙃

    • @Sumansingh0
      @Sumansingh0 หลายเดือนก่อน

      Yess this is correct 💯💯💯

    • @ace9463
      @ace9463 หลายเดือนก่อน

      exactly....salary increases, then expenses also increase 😂

    • @akashsharma-yy9bb
      @akashsharma-yy9bb หลายเดือนก่อน +1

      pagal bhana raha hai ,khud iske pass nhi hone 320 cr .halwa hai kya . last 2-3 years ke cagr ko extrapolate kar diya hai isne.

    • @Sumansingh0
      @Sumansingh0 หลายเดือนก่อน

      @@akashsharma-yy9bb view's ke chakkar Babu Bhaiya

    • @zn_sport
      @zn_sport 23 วันที่ผ่านมา

      Guys if you increase the investment by 10% like he said every year which is sort of doable until a point, in 35 years where he said the corpus would be 320 Crore, the amount invested per month would be 2.8 lakh rupees and adjusted to inflation it would be like investing 36.5 K per month. If you think you cannot grow to that sort of level in 35 years that's a shame really people can do that and will do that, But main thing is it is not needed to do atleast retiring, that is not working for money, should happen in 50 or 55 roughly and you will have enough to live happily and content I believe that is possible right?

  • @dushyantyadav09
    @dushyantyadav09 2 หลายเดือนก่อน +3

    Sir plz make another broadcast for the student ? How to invest in their 20s ?

  • @rahulkarukonda8860
    @rahulkarukonda8860 หลายเดือนก่อน

    Highly privileged to get this free advice in this generation

  • @nehachandwani2657
    @nehachandwani2657 2 หลายเดือนก่อน

    You're doing an amazing job, the hard lesson learnt was the best part. Keep posting such content!

  • @muztabadodia761
    @muztabadodia761 2 หลายเดือนก่อน +3

    Nice video ❤ sir ji ❤

  • @user-qn8tz2uq7w
    @user-qn8tz2uq7w 2 หลายเดือนก่อน +4

    During a market downturn, some investors stop investing in SIPs due to the increased risk.

    • @Dave_en
      @Dave_en หลายเดือนก่อน +1

      The down turn itself is the best time to continue investing. If you are not prepared for the worst times, then good times wont reward you.

  • @Astrocure
    @Astrocure หลายเดือนก่อน

    She's humble and she's so honest i respect this a lot ma'am. All the best for life.🎉

  • @IndranilDas2501
    @IndranilDas2501 2 หลายเดือนก่อน

    Excellent video, all youngsters should watch this.

  • @darshanpatil700
    @darshanpatil700 2 หลายเดือนก่อน +4

    Thanks for video sir... 90% same to same my age also same and salary also same... thanks for the video sir

  • @rohittd619
    @rohittd619 หลายเดือนก่อน +10

    Din't she say the emi was 10k per year? That comes down to roughly 830₹/ month

    • @sintovincent8918
      @sintovincent8918 6 วันที่ผ่านมา

      Exactly.Think it's scripted. Who will pay 10k per month for a 29k salary

    • @avishekseal9824
      @avishekseal9824 18 ชั่วโมงที่ผ่านมา

      Yes

  • @laxmikantkadam1365
    @laxmikantkadam1365 หลายเดือนก่อน

    Thank you so much for this awesome video ❤

  • @talhahossain9620
    @talhahossain9620 2 หลายเดือนก่อน +1

    this series is too helpful!

  • @gaurav_shukla001
    @gaurav_shukla001 2 หลายเดือนก่อน +6

    one catch is Ankur you should also show that if we increase our investments 10% every month you should also show that your investment amount periodically is how much and how much it can be sustained.
    Like if at some point of time SIP is also high thanks to compounding

    • @AdilHusain
      @AdilHusain 2 หลายเดือนก่อน

      It must be 10% every year not month.

    • @deepakg5700
      @deepakg5700 2 หลายเดือนก่อน

      Even I wanted to know the investment amount down the line.

  • @abhijit2011
    @abhijit2011 2 หลายเดือนก่อน +12

    With due respect there are two flaws
    1. 10% increase on sip is almost impossible.
    2. You have calculated 20% returns which is not possible with this safe investment

    • @himanikaler0817
      @himanikaler0817 หลายเดือนก่อน +1

      Exactly

    • @codenamearun
      @codenamearun หลายเดือนก่อน

      only 5 % annual increase in sip is normally possible. He calculated 22 percent annual return in 15 year calculation and 26 percent annual return calculation in 35 year period which is almost impossible in that long time period, he is just trying to get his video watch rate increase by this kind of base less videos.

    • @abhijit2011
      @abhijit2011 หลายเดือนก่อน +1

      @@codenamearun watching this excel sheet calculations is like running on treadmill. You are running not reaching anywhere

    • @AbhishekKumar-ci9ff
      @AbhishekKumar-ci9ff 12 วันที่ผ่านมา

      ​@@abhijit2011 right😅

  • @bharatchavan9282
    @bharatchavan9282 หลายเดือนก่อน

    Thanks for sharing this type video
    Mene bhi yasia plan 2013 mi suru kiya tha uar results bhi bahut badiya he

  • @arnabchattaraj5259
    @arnabchattaraj5259 หลายเดือนก่อน

    This video was awesome. Your best explanation ever.

  • @user-tb9td2rg8g
    @user-tb9td2rg8g 2 หลายเดือนก่อน +5

    Dear Ankur Sir,
    Thank you so much for your lovely videos.
    My age is 34, due to family's financial responsibilities I could not able to invest in my life. I will start SIPs very soon.
    Apart from this what will be the best investment for one time as per the current economy scenario.
    Can you please guide.
    Thanks

  • @rohangupta1539
    @rohangupta1539 2 หลายเดือนก่อน +3

    SC=30%
    MC=21%
    LC=16%
    I don't think so, we will get this much return

  • @ritikjoshi1546
    @ritikjoshi1546 2 หลายเดือนก่อน +1

    Best series till now, keep it going. ✨
    Real problems! Real & Practical Solutions!

  • @mendher3219
    @mendher3219 16 วันที่ผ่านมา +1

    Dear Ankur Warikoo, Kindly share her contact because she is the kind of girl we want in our life who doesnt spend much for her. It is also evident that she wants to educate herself with the finance too. Loved it. I totally loved it.

  • @Koreankurradu7
    @Koreankurradu7 2 หลายเดือนก่อน +3

    I think invest in real-estate is much better than stock market gain

    • @themotivationalsoldier7668
      @themotivationalsoldier7668 2 หลายเดือนก่อน

      no ...some time

    • @Dave_en
      @Dave_en หลายเดือนก่อน

      Real estate has big trouble. Whole money gets blocked and you cant be sure that the prices may go up in future.

  • @oishik291091
    @oishik291091 2 หลายเดือนก่อน

    Sir small practical problem till 7 months: she cannot invest in mutual funds as SIP(minimum limit 500): she needs to buy lumpsum: the small suggestion is for an initial one-year cumulative, she can put it in a liquid emergency fund and post that start aan SIP as per your weightage

  • @satyakebakshi7896
    @satyakebakshi7896 17 วันที่ผ่านมา

    Compounding is the 8th 9th and 10th wonder of the world. Absolutely love it warikoo!

  • @JesifAhmed
    @JesifAhmed 2 หลายเดือนก่อน +5

    Aur chilla chilla ke scheme sabko bata do 😅

    • @warikoo
      @warikoo  2 หลายเดือนก่อน +1

      😂

    • @arunnarzary5955
      @arunnarzary5955 2 หลายเดือนก่อน

      Kuch samjha tune? 😂😂😂😂😂

    • @sukhendas5918
      @sukhendas5918 17 วันที่ผ่านมา

      Mera paisa Dobule hoga na raju bhaiya 😝

  • @user-bi5tq8xk8e
    @user-bi5tq8xk8e หลายเดือนก่อน

    I really appreciate that girl. She has a very calm and comfortable attitude.

  • @Autismwalebhaiya
    @Autismwalebhaiya หลายเดือนก่อน

    Sir appke samjhane ka tareeka bohot wonderful hai ❤❤❤❤❤

  • @nehabansal6829
    @nehabansal6829 หลายเดือนก่อน

    What a brilliant way of explanation sir ..we are so lucky to have you for the guidance @warikoo sir

  • @apeelsinghsingh869
    @apeelsinghsingh869 หลายเดือนก่อน

    Supb sir jo aap free of cost aap itna behtrin knowledge dete h so dil se aapko thxxx

  • @jsrishti
    @jsrishti 26 วันที่ผ่านมา

    This is such a motivating and brilliant series for all GenZ and college students. Thank you Sir we definitely learn a lot from your videos ✨🥰

  • @vikashpayasi9115
    @vikashpayasi9115 2 หลายเดือนก่อน +2

    THANK YOU SIRJI😊😊😊

  • @ridhirai8617
    @ridhirai8617 2 หลายเดือนก่อน

    I'm highly influenced by ur vedios now I fully understand the power of compounding.pls guide me

  • @majidhussainqumbrani981
    @majidhussainqumbrani981 2 หลายเดือนก่อน +2

    Hello Sir, I am your follower and have watched all your videos about productivity, time management, skills and hobies for Education.

    • @majidhussainqumbrani981
      @majidhussainqumbrani981 2 หลายเดือนก่อน

      Sir I need the Chat GPT Link, can you send me the Chat Gpt link.

  • @tariq25khan
    @tariq25khan 2 หลายเดือนก่อน

    Yours was the first video that I watched before I learnt anything about mutual funds. Now I'm 3 yrs into actively investing in mutual fund and this would be for life or before I decide to retire.