He is one of the best financial educator to listen to in You Tube…his articulation and knowledge comes handy when explaining concepts…simply wonderful listening to him in English or Tamil…❤
The interviewer should learn to let the guest speak without interrupting. Her interrupting him when he was telling the story of -3L to finance knowledge was absolutely not in line with the goal of her question!
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Alesia Haas you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Alesia Haas is also my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Alesia Haas, has been an amazing experience.
I'm favoured, $30K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to this same Alesia Haas.
Beautiful things About Mr.Pattu is this is not that first interview with these questions , but still puts his full attention to questions n details the explanation, shows his respect to viewers n interviewer!
This year I have experienced more gains than losses in the crypto/stock market. Thanks to some knowledge I acquired from my financial advisor and I have managed to flip the market.
I totally understand, i have seen this too, but before working with anyone you need to do your research, possibly meet them in person, my financial adviser is Gabriel Alberto William , he is not just a broker, he is a financial adviser that gives advice on any financial matters not just on stocks or crypto.
Pattu sir is a genius when personal finance comes to picture. Very focused to the point explanation and very very realistic. Every words of him in this podcast signifies his in depth knowledge and profound experience in this field. Retail investors like us are very very fortunate that pattu sir is there to teach us everything about finance world.......
The delay calc was heavily edited and missed the key insights.. Can have a second channel where you can release the full interview without edits for those who are interested
madam you asked many very good questions,but you did not allow Dr. Pattu to finish, and then you ask next question !!.... viewers could not get the full advice !😢
This is why people in Physics do not become billionaires. Perpetual motion has nothing to do with the law of compounding. If anything it could be compared to, it could be Gravity, as the acceleration due to gravity keeps increasing the speed of the fall, so does the compounding increase your net worth over a long period of time. The fun part is that it never hits the Terminal Velocity, it just keeps going :)
Doesn’t Elon Musk have a degree in Physics? 😋 Jokes apart, Pattu is spot on, because you can't account for a sequence of bad returns, especially when you have a smaller corpus like 3Cr, at that expense level. Setup a proper simulation across market cycles (check his channel), and you'll see why he errs on the side of giving an extra margin. Also, not to mention, he is talking about investing for the common man, and not for those aspiring to be billionaires, for which you're much better for staring your own business.
He answered to the question. Can we retire with 3 cr. Eating idle will eat away mountains. That what he was mentioning. 4% eating out of 100% wealth every year without further investing is not the idealistic sutuation he was mentioning. Try to analyse practicality. If covid like sutuation or war zone hits in a life time you will be on road.
Partially agree with his opinion. While it is true that wealth is built through income, not returns and thus one need to focus on increasing his or her income; it is also to be considered that most of the private jobs are not secure (now even some Govt. jobs as well), efforts of increasing income also bring risk of burn outs, mental fatigue, depression and many things. It's great if you have a good work-life balance, but in India, very few companies understand the concept of work-life balance and as such, if you're earning good amounts, you can almost be sure that the person has to work tremendous hours or at a very mentally tiring job. Happy Investing everyone!
no one can make wealth of100 crore using his income only. if his income is only 1 lac/month. As per my experience, person should do job , earn income until he saves enough amount to take risk with or without job to multiply his wealth. One can not multiply wealth by his income only. and one thing to note down here is everyone has limited time and income is directly proportional to time left where as investment in any asset like real asset or equity, can multiply irrespective of time . If a person focus too much on his job as you can see in IT field in some companies they make you work like slave even on weekends, he can miss many good opportunities related to investment, instead of regular income , one should focus on increasing his net worth
I don't accept it. In corporate, there are many who earns good salary without any pressure, long working hours.. on the contrary, more salary at higher position doesn't necessarily means long tiring working hours.
Income does not become wealth. Investment does. More income will only encourage more spending but investing will not. That being said, index fund is better than individual stock picks.
Simple calculation for retirement. One need to have your own home with no debt and corpus equal to 50 times your annual expenses at the age of 50 years.
yes 3cr is enough , 3cr can yield into 190000 (1 lac 90 thousand approx) income per month using fds. I have a low package of 25 lac with home my parents built , targeting to retire with 2 cr corpous.
What about post tax returns. And reinvesting to continue growing the corpus. If one withdraws the monthly amount you mentioned, will the corpus continue to grow and last a long time?
@@rohanp8645 1.9 lac mount mentioned is monthly amount that you will receive as interest on 3 cr FD ( not part of corpous), From this 1.9 lac you can increase corpous , you can invest , you can have your expenditures, taking consideration of not living too much lavish life.
People just add inflation as an exception whenever you talk about growing money,,, first of all if inflation is 7% , that doesn't means everyone will be effected by it 7%, for some it is 2% and for some it is more then 7%
Too much of anything is good for nothing. I saw my grandmother lived 108 yrs without her husband for more than 55 yrs and no money in her bank account only with few jewellery.if you think more it will always be not enough.
25 times of yearly expense is a proven model. No point in waiting for ever to enjoy break from compulsory work. At worst, you might need to go back to work for some years if markets are down for a longer time in between, At best you enjoy all your remaining years the way you want.
Its enough if you live in tier 2 or tier 3 city. Also, this money wont sit in your bank account, it'll be invested either in FD or in Equity or mutual fund with atleast 10% returns. So yes, 3 cr is enough, even 1 crore is enough if you know how to invest.
Points to remember 1. Wealth is built with income and not returns 2. Keep investing simple by investing in index funds . 3. By keeping investing simple you are saving time by not trading stocks and crypto. 4. Use the time in investing in your self like improving health, upskilling, spending time with family and friends or doing whatever you like. 5. Don’t have FOMO ( Fear of missing out). Invest small and consistently.
No amount of money is enough for the most dangerous animal in the planet, human beings. As Gandhi said there is enough resource for needs of one but not ones greed and i would anxiety.
Pattu sir can connect with me to understand real estate. It's the most important asset class which we need to learn about! Calling it a black box and ignoring it could result in being priced out from the market!
Can easily retire with 3cr corpus, look at market in the log term, it always gives 15%, even with 12%, your money will grow and will outlive you. Nifty50 gave 50% return from 2008 to 2013. Do your own reserch before listening to online influencers. For them its about views and money.
What retirement retirement you are talking about.. rich wants to work till 80 they hate retirement.. middle class wants to retire at 40.. after retirement what u wanna do to keep yourself busy in productive manner.
So everybody should be ambani adani tata birla to earn huge wealth.. which is impossible.. so if u r not doing business then u are doing job which demands long sitting hours with strict deadlines..
bhai all is noise... trruth is 90% of the people will not retire .. they will die .... recent data 2/3 ppl will die of cancer ! Economy is not favourable to any retirement plan but having skills that can serve you after 45 ( the age corporate treats you like expired goods ) ... if this guy is not selling anything at the end of the video..then watch
Even 1.5 cr is more than sufficient for retirement at age 40,,after taking 1lac pension from that corpus invested in only hybrid funds after 20 years at age 60 the balance will be 15cr+,,inflation adjusted 2.5 cr as of today in 2024
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $150k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first,and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so l've been sticking to investing via an analyst.
Emmanuel Uchenna Nwajiaku is the licensed coach I use. He is a Colombian. You'd find necessary details to work with a correspondence to set up an appointment.
Tell me any person in india who is retire by 45 with 2 cr or 3 cr either people dokot have it or have greed to be havel10 cr then. Any reference video ?
With 3 cr corpus and 1 lac monthly withdrawl, if you manage to get 8% return then it should last almost 37 years considering the inflation 6%. I feel when inflation is 6% then generating 8% return should not be much difficult
Inflation in metros, especially if you include education and Healthcare, is overall closer to 7-8%. Both those sectors individually have often clocked double digit inflation.
Listen, everything that he says.. But i advice to everyone including girl, in the video Please invest in crypto very minimum amount as long investment in bitcoin and eth . Especially people in 20's . In the next 50 years, u can't hold this guy coller and ask why u said negative about crypto. Etf of bitcoin are trading in nasdaq So now what usa stock exchange are now " juwari" No, right, there are advance economy they seen something thats why they started crypto trade on US stock.
My monthly expense in tier-3 city with (20 mins away from airport and train station) own house is marginally above 10K p/m. I am contemplating to retire with 1.5 cr with monthly expense of 40k, Pattu sirs bucket strategy.
bhai madam ek toh agreji bol rahi hai upar se itta fast . genuine feedback please consider slowing down while you speak and phrase questions. aaisa lag raha didi ki bus nikalne wali hai
Are bhyai 2009 to 2013 there no active 10crore demats and no sip population was there like today .. Yes, market correction will take place .. But jabardasti, some people are pushing because i have seen something in the old days . (Exception is war ) if market crash
wanting to achieve FIRE is just but to retire early - wrong. we need to teach people to enjoy the contributions u make to the world. but u need not be burdened by worry of what will happen to u financially. So we need to try and acheive FIRE but why retire - change ur sector and go where u feel important. thats not retiring but changing gears.
Dr, Pattu can you please tell how one can make wealth of100 crore using his income only? if his income is only 1 lac/month. As per my experience, person should do job , earn income until he saves enough amount to take risk with or without job to multiply his wealth. One can not multiply wealth by his income only. and one thing to note down here is everyone has limited time and income is directly proportional to time left where as investment in any asset like real asset or equity, can multiply irrespective of time . In my opinion , investment is as much important as job , one should be active in investment as he is in job , focussing only in job will only make your owner rich not you
Your point is very similar to what Pattu sir was mentioning. He never mentioned that without investing you can become rich with your salary. He mentioned that you should invest from day 1 and continue investing. He is mentioning about people who research a lot and try to invest. He instead asked people to invest in index and spend the time to increase earnings by upskilling so that there can be more investment done.
He is one of the best financial educator to listen to in You Tube…his articulation and knowledge comes handy when explaining concepts…simply wonderful listening to him in English or Tamil…❤
Edited? Hmm
Educator is different, a guide is different! Most educators aren't good guides, say on investments.
The interviewer should learn to let the guest speak without interrupting. Her interrupting him when he was telling the story of -3L to finance knowledge was absolutely not in line with the goal of her question!
there is something called editing brother
@@NaturOrganica-eg5bz 🤣
@@NaturOrganica-eg5bz 🤣 very much possible that editing spoilt it a bit and it isn't interviewer problem. Thanks for telling.
Hit 250k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in April 2024..
I would really love to know how much work you did put in to get to this stage
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Alesia Haas you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable.
Alesia Haas is also my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Alesia Haas, has been an amazing experience.
I'm favoured, $30K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to this same Alesia Haas.
Beautiful things About Mr.Pattu is this is not that first interview with these questions , but still puts his full attention to questions n details the explanation, shows his respect to viewers n interviewer!
The only interesting question came at the end on making investments a family activity. Otherwise all "questions from the internet".
This year I have experienced more gains than losses in the crypto/stock market. Thanks to some knowledge I acquired from my financial advisor and I have managed to flip the market.
I have seen something like this on countless videos and i find it misleading. I do not trust most advisors as the last time I did, it didn't end well
I totally understand, i have seen this too, but before working with anyone you need to do your research, possibly meet them in person, my financial adviser is Gabriel Alberto William , he is not just a broker, he is a financial adviser that gives advice on any financial matters not just on stocks or crypto.
Okay, how do I get in touch with him?
look his name up online, please do your research, he is very good at what he does and has been in various financial market interviews.
For financial freedom, minimalistic life is a must even with a huge corpus.
Pattu sir is a genius when personal finance comes to picture. Very focused to the point explanation and very very realistic. Every words of him in this podcast signifies his in depth knowledge and profound experience in this field. Retail investors like us are very very fortunate that pattu sir is there to teach us everything about finance world.......
The perpetual motion analogy was Spot-On!
Nope, it wasn't.
@@Gamer-monk.You go and play games, it you don't get it well 😅
No it wasnt
'I'm Pattu from Freefincal' is the best feel good magic mantra after Abracadabra ! I'd say.. I'm thankful for all the knowledge shared...
The delay calc was heavily edited and missed the key insights.. Can have a second channel where you can release the full interview without edits for those who are interested
Simply Brilliant!! What a piece 🌟
Every word spoken by Patti sir about financial advice is so practical and genuine.
Respect and love for Dr. Pattu. I never miss his podcasts.
Thank you, Sir. A big fan of your finance teachings from 2013. I really liked the way you are imbibing the delayed gratification habit on your son.
So glad to see you getting well deserved reach sir ! All the best
Sharp mind.. like the way he looks at investment as investment rather than ...return oriented
this guy is og of personal finance. much better than the lallu finfluencers of today
Feels like a great start to my weekend. I just feel happy seeing his face.
If you can’t manage your income, you can manage your expectations. Stay minimal, be happy!
This video on your channel is the best video i have found on youtube so far. ❤❤ Dr Pattu... Paranam 🙏
Kindly release the full podcast without any edits .. Will be a very interesting watch .
madam you asked many very good questions,but you did not allow Dr. Pattu to finish, and then you ask next question !!.... viewers could not get the full advice !😢
This is why people in Physics do not become billionaires. Perpetual motion has nothing to do with the law of compounding. If anything it could be compared to, it could be Gravity, as the acceleration due to gravity keeps increasing the speed of the fall, so does the compounding increase your net worth over a long period of time. The fun part is that it never hits the Terminal Velocity, it just keeps going :)
Doesn’t Elon Musk have a degree in Physics? 😋
Jokes apart, Pattu is spot on, because you can't account for a sequence of bad returns, especially when you have a smaller corpus like 3Cr, at that expense level.
Setup a proper simulation across market cycles (check his channel), and you'll see why he errs on the side of giving an extra margin.
Also, not to mention, he is talking about investing for the common man, and not for those aspiring to be billionaires, for which you're much better for staring your own business.
Wie bitte?😮
He answered to the question. Can we retire with 3 cr. Eating idle will eat away mountains. That what he was mentioning. 4% eating out of 100% wealth every year without further investing is not the idealistic sutuation he was mentioning. Try to analyse practicality. If covid like sutuation or war zone hits in a life time you will be on road.
INDmoney need to have a MuTure Interviewer, This panel lacked engagement
True
Minimalistic life is big big help... Because greed is endless.. even 25 cr won't be enough then..
ASAN gang assemble🤟
Ideas for wealth
Partially agree with his opinion. While it is true that wealth is built through income, not returns and thus one need to focus on increasing his or her income; it is also to be considered that most of the private jobs are not secure (now even some Govt. jobs as well), efforts of increasing income also bring risk of burn outs, mental fatigue, depression and many things.
It's great if you have a good work-life balance, but in India, very few companies understand the concept of work-life balance and as such, if you're earning good amounts, you can almost be sure that the person has to work tremendous hours or at a very mentally tiring job.
Happy Investing everyone!
completely agree with you.
no one can make wealth of100 crore using his income only. if his income is only 1 lac/month. As per my experience, person should do job , earn income until he saves enough amount to take risk with or without job to multiply his wealth. One can not multiply wealth by his income only. and one thing to note down here is everyone has limited time and income is directly proportional to time left where as investment in any asset like real asset or equity, can multiply irrespective of time . If a person focus too much on his job as you can see in IT field in some companies they make you work like slave even on weekends, he can miss many good opportunities related to investment, instead of regular income , one should focus on increasing his net worth
He is a bit pessimistic.
I have been following him for a while, taken my lessons from him .
But nobody is perfect.
I don't accept it. In corporate, there are many who earns good salary without any pressure, long working hours.. on the contrary, more salary at higher position doesn't necessarily means long tiring working hours.
it is all perspective. Every eye has different view.
super advice !!... Thanks to Dr. Pattu and the interviewer 👏💐🙏
Income does not become wealth. Investment does. More income will only encourage more spending but investing will not. That being said, index fund is better than individual stock picks.
Dr. Pattu, the whole world is learning from you. We are proud that you belong to Tamil Nadu.
Wealth is build with good returns, invest in good mutual fund not in Penny stocks
Nice person. Speaking politely about reality ❤
I have a huge respect on him
If u even know to manage one crore rupee…u r good to retire🤫🤫 bet me..
You need 1cr for tier 2 cities and 2 cr for metro cities
Only if have a own house good for next 20years
@@me23xfhg u r speaking with a trader who makes 80 to 100% in a year 😂😂 I don’t need a house when the whole world is my home 🤣🤣🤣
@@The_Mobile_Trader yeah yeah the trader who trade on mobile 😂
@@sunapila yes u child…hence the name 🤣🤣🤣 I’m the HM of the school where u studied 🤣😂😂 go and see few trades in my shorts 🤫🤫🤫
Simple calculation for retirement. One need to have your own home with no debt and corpus equal to 50 times your annual expenses at the age of 50 years.
Correct
yes 3cr is enough , 3cr can yield into 190000 (1 lac 90 thousand approx) income per month using fds. I have a low package of 25 lac with home my parents built , targeting to retire with 2 cr corpous.
Who will account for inflation?
What about post tax returns. And reinvesting to continue growing the corpus. If one withdraws the monthly amount you mentioned, will the corpus continue to grow and last a long time?
That's not how it works. At all. Heard of inflation ?
@@rohanp8645 1.9 lac mount mentioned is monthly amount that you will receive as interest on 3 cr FD ( not part of corpous), From this 1.9 lac you can increase corpous , you can invest , you can have your expenditures, taking consideration of not living too much lavish life.
People just add inflation as an exception whenever you talk about growing money,,, first of all if inflation is 7% , that doesn't means everyone will be effected by it 7%, for some it is 2% and for some it is more then 7%
Too much of anything is good for nothing. I saw my grandmother lived 108 yrs without her husband for more than 55 yrs and no money in her bank account only with few jewellery.if you think more it will always be not enough.
You should enjoy ur life... dont take it too seriously nobody gets out of it alive.
This is all content for them
25 times of yearly expense is a proven model. No point in waiting for ever to enjoy break from compulsory work. At worst, you might need to go back to work for some years if markets are down for a longer time in between, At best you enjoy all your remaining years the way you want.
It has been debunked actually. Check out papers around it. Withdrawl rates closer to 2.5-3% are now more practical.
Its enough if you live in tier 2 or tier 3 city. Also, this money wont sit in your bank account, it'll be invested either in FD or in Equity or mutual fund with atleast 10% returns. So yes, 3 cr is enough, even 1 crore is enough if you know how to invest.
Points to remember
1. Wealth is built with income and not returns
2. Keep investing simple by investing in index funds .
3. By keeping investing simple you are saving time by not trading stocks and crypto.
4. Use the time in investing in your self like improving health, upskilling, spending time with family and friends or doing whatever you like.
5. Don’t have FOMO ( Fear of missing out). Invest small and consistently.
No amount of money is enough for the most dangerous animal in the planet, human beings. As Gandhi said there is enough resource for needs of one but not ones greed and i would anxiety.
My monthly expenses now is 40k and 3cr at 40 is sufficient for me
Did you consider insurance requirements, fuel, telecom, data, etc expenses? Please don’t just see what you spend today consider all things needed.
Best thing he has said is “there is no compounding in market”. No one understands this.
Pattu sir can connect with me to understand real estate. It's the most important asset class which we need to learn about! Calling it a black box and ignoring it could result in being priced out from the market!
Dr Pattu.....Excellent !!!!
Hi sir.....I used to see your videos and I felt you were very genuine.....
@05:40 what he said is a lesson to remember and pass it to the generations
legend pattu sir
no angooor is harmed in this video
😂😂😂😂
Can easily retire with 3cr corpus, look at market in the log term, it always gives 15%, even with 12%, your money will grow and will outlive you. Nifty50 gave 50% return from 2008 to 2013. Do your own reserch before listening to online influencers. For them its about views and money.
Always 12-15% returns
What retirement retirement you are talking about.. rich wants to work till 80 they hate retirement.. middle class wants to retire at 40.. after retirement what u wanna do to keep yourself busy in productive manner.
Dear Dr. is it possible to get a personalised advice on financial planning for myself
In India 3 crore are more than Sufficient if u live entire life with low profile life.
Perpetual motion 🎉
At the background, is this a shared workspace like awfis?
Why is inflation not constant in delay calculator???
commonsense always beats intiellogence in real life
Bad host(ess) messed up a good guest speaker
So everybody should be ambani adani tata birla to earn huge wealth.. which is impossible.. so if u r not doing business then u are doing job which demands long sitting hours with strict deadlines..
suggest a calculator to find required retirement corpus
bhai all is noise... trruth is 90% of the people will not retire .. they will die .... recent data 2/3 ppl will die of cancer ! Economy is not favourable to any retirement plan but having skills that can serve you after 45 ( the age corporate treats you like expired goods ) ... if this guy is not selling anything at the end of the video..then watch
The interviewer is showing herself more than listening to him and asking relevant questions. She interrupted lots in between.
Fire is fasinating but learning from professor Pattu is boring.😊
Cagar. Learnt that CAGR is not CAGR today.
I am investigating 90% of income
Even 1.5 cr is more than sufficient for retirement at age 40,,after taking 1lac pension from that corpus invested in only hybrid funds after 20 years at age 60 the balance will be 15cr+,,inflation adjusted 2.5 cr as of today in 2024
What's the return on the hybrid fund?
@@nagarjunayt normal 12-14% in long run according to the past performance
Me see Pattu sir me click
I can never retire living on rent at 55 with 50 lacs saving
I disagree with you on 'wealth is created by income'. It's a combination of income + wise investment.
Only point which is relevant is to start early..only then the power of compounding will help
She is interrupting too much. Don't know why?
The interviewer questions are very average and shallow..
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $150k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into
alternative sectors?
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first,and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so l've been sticking to investing via an analyst.
Please can you leave the info of your Investment advsor here? I'm in dire need for one.
Emmanuel Uchenna Nwajiaku is the licensed coach I use. He is a Colombian. You'd find necessary details to work with a correspondence to set up an appointment.
He’s Active on What’sAPK
3 Cr FD gives 21 lacs yearly and 12 lacs expense still 7 lacs spare money.
Okay bhidu
Tell me any person in india who is retire by 45 with 2 cr or 3 cr either people dokot have it or have greed to be havel10 cr then. Any reference video ?
Correct. It is nothing to do with greed. It is more to do with absence of nothing better than career to do.
👌👌👌
Can someone please explain what is 50% fixed income. What are the investments come under fixed income?
Like a bank FD where your returns are fixed irrespective of market trends.
Debt
Retirement is a flawed concept. Money is just a mean not the purpose of life. A person should never retire.
Academic talking about wealth creation!
He speaks like Sandeep Maheswari
Learn about basics first before inviting guests
What is his answer
Aise to bc 1 lac crore bhi enough nai hai ambani kar raha hai na Kam... Apke upppar hai
Subscribed
With 3 cr corpus and 1 lac monthly withdrawl, if you manage to get 8% return then it should last almost 37 years considering the inflation 6%.
I feel when inflation is 6% then generating 8% return should not be much difficult
It is 35 years....
Inflation in metros, especially if you include education and Healthcare, is overall closer to 7-8%.
Both those sectors individually have often clocked double digit inflation.
@@abbhinavvenkat767 Agreed. In my calculation I always try to take inflation at 8% . Retirement plan should be more conservative.
Frankly personal finance ..there is no need to be genuis ..Use basic common sense and some clarity of objectives..
this junior anchor knows nothing about perpetual motion
Listen, everything that he says..
But i advice to everyone including girl, in the video
Please invest in crypto very minimum amount as long investment in bitcoin and eth .
Especially people in 20's .
In the next 50 years, u can't hold this guy coller and ask why u said negative about crypto.
Etf of bitcoin are trading in nasdaq
So now what usa stock exchange are now " juwari"
No, right, there are advance economy they seen something thats why they started crypto trade on US stock.
❤❤❤❤❤❤❤❤
If pattu really said "3 crore at 40 is not enough to retire" without any context, then I'm sorry but he should know better!
He said IF your monthly expense is 1 lakh
My monthly expense in tier-3 city with (20 mins away from airport and train station) own house is marginally above 10K p/m. I am contemplating to retire with 1.5 cr with monthly expense of 40k, Pattu sirs bucket strategy.
@@duderocks6483 then the thumbnail is misleading...as always with these TH-cam channels!
@@rahuldeovatsaclearly you don’t have a car , car insurance, health insurance coverage.
@@craigslist1323 All these are after planning for health insurance, car, and child education (for undergraduate education) separately.
bhai madam ek toh agreji bol rahi hai upar se itta fast . genuine feedback please consider slowing down while you speak and phrase questions. aaisa lag raha didi ki bus nikalne wali hai
Get educated bihari
I m watching at 1.5x
Why did he shower abuse at 1.08
Are bhyai 2009 to 2013 there no active 10crore demats and no sip population was there like today ..
Yes, market correction will take place ..
But jabardasti, some people are pushing because i have seen something in the old days .
(Exception is war ) if market crash
Not something that I havent heard before. Just another expert trying to be different to gain views.
Prof must and first discover multiple myeloma solution rather than celebrity finfluncer
Interviewer speaks in between roo much.
wanting to achieve FIRE is just but to retire early - wrong. we need to teach people to enjoy the contributions u make to the world. but u need not be burdened by worry of what will happen to u financially. So we need to try and acheive FIRE but why retire - change ur sector and go where u feel important. thats not retiring but changing gears.
Dr, Pattu can you please tell how one can make wealth of100 crore using his income only? if his income is only 1 lac/month. As per my experience, person should do job , earn income until he saves enough amount to take risk with or without job to multiply his wealth. One can not multiply wealth by his income only. and one thing to note down here is everyone has limited time and income is directly proportional to time left where as investment in any asset like real asset or equity, can multiply irrespective of time . In my opinion , investment is as much important as job , one should be active in investment as he is in job , focussing only in job will only make your owner rich not you
Your point is very similar to what Pattu sir was mentioning. He never mentioned that without investing you can become rich with your salary. He mentioned that you should invest from day 1 and continue investing.
He is mentioning about people who research a lot and try to invest. He instead asked people to invest in index and spend the time to increase earnings by upskilling so that there can be more investment done.
Girl:::act like a dummy…
Not giving proper counter arguments.
OK English and zero knowledge on geography or GK....madras...where the he'll is it.....I know it's Chennai....IIT Chennai.....
IIT Madras is still named as www.iitm.ac.in/. Has not changed with Chennai. Go check your facts before judging others you il**ter*te 😡
IITs names have not been changed. It's still IIT Bombay and IIT Madras 😊