explained simply but there are still many complexities involved...a rule of thumb is that if your current monthly expenses are INR x then your retirement corpus should be 25x. and you need to withdraw 4 percetn annually of your retirement corpuse as SWP but you need to take care of the inflation as well which means you need to increase your SWP by 10 percent every year
What if we die after 40-50 yrs of retirement. We will be in shortage of funds in last few yrs before we die. Best option is atleast retire when u have 30-35 yrs of expense & Work as freelancer/part time /2hrs a day/3-4 months/p.a/side business like real estate agent after retirement & live peacefully and die rich.
5 साल पहले मुर्गी का अंडा 3 ₹ का आता था खाया नहीं मेरे पास 15 रुपय थे 5 अंडे आते थे 15 को invest किया था आज 21 रुपय बने है aur अंडा 7 रुपय का मिल रहा है पहले पाच अंडे ले सकता था आज तीन ही आ रहे... investment पर जो return मिल रहा है उससे कही ज्यादा पैसे की value गिर रही है
Or ha anda 3 rupay tha hi ni bete 5 saal phle anda 5 rupay ka tha Yaani phle bhi teen ande milte Or ab bhi teen ande milege Pr haa syd school m bhi tughe ande hi mile honge 🤓🤓🤓
70,000 after 20 years where the inflation rate is 3% would be equivalent to approximately $35,000 in today's money. It's important to consider inflation when planning for long-term financial goals.
Don't invest in Bonds, SIP, Mutual funds, Stocks, Gold, Real Estate, Rolex etc.. Invest only in human relationships!🎉❤ And you live and die as a happy/satisfied man.
For rough calculation formula is Value of money in next 20 years will be = divide today's value by 10. So as per this video purchasing power of 70k will be 7k which means you can buy the things with 70k which you can buy today for 7k
Sabse best hai ek plot leke dal do instalments per aur 20 saal baad bech dalo ....for Jo paise aaye usko monthly income me dal do...us samay ke market ke hisab se income lo
Suppose if two years continuous negative market, then your principal will be gone and your withdrawl monthly will reduce more money in principal....for getting returns, we can wait if negative market also, but for swp, you cant take average value
It's common sense. Most of the millionaires have some business or are some celeb meanwhile these finance advisor youtubers are more like us common people. And the tips they give us are not some rocket science, it's basic financial knowledge. Millionaire/ Billionaire hone k liye alag skills bhi chahiye within knowledge. Not everyone have those skills na
Ma'am yese koi investment bhi bataye jiski salary sirf 12000 ho .. ...big investment always gives big profits.. ...small investment ke liye kuch btaye jisse gareebo ki help ho jaye vhi 3 saam me Kam se Kam gareeb insaan khud ka ghar le paye ❤ thanks
1. No bank gives 12% intrest..its only 7% approx. So, your 10k per month won't become 1 crore in 20 yrs. 2. She is telling "70 k" you will be able to withdraw monthly, from the monthly interest of 1 crore after 20 yrs... That means your bank should be giving min 8.4% min interest after 20 yrs... If you observe, bank interest reduces over time... For example every advanced countries like Australia or America has fd interest below 1%. 3. Plus FD intrests are subject to income tax. You will not get entire intrest amount to your hand.
Mam annually agar 8 se 9 lack withdraw krnge after 20 year usko to inflation kuch smjega he nhi itne peso se shirf grocery he aa payegi aur fresh vegetables not milk 😮😮😮
Mere bhai,thoda inflation ke bare me padh lo, 5%average inflation rate hai living ka.ideally and logically 20 Sal baad 70000 mahina matlab aaj ke 30 se 35 hajaar honge. Aur ek baat,agar ye bhi investment nahi karoge to aulad ke bharose rehke bhuke maroge.
Bhai Property ke maintenance bhi jaruri hai aajkal.. usko aise hi khareed kar chodne ka jamana bhi nhi hai.. Kuch daban log avaidh kabza bhi kar lete hai aajkal doosre ke plot par..
Sala Monthly 10000 investment Wo b 20 year k liye Matlab total investment hua 2400000 Fir wo monthly denge 70000 Ye sahi choice nahi hai Esse accha khud hi Stock choice krk hold kre Stock b 1-2 month me 10-15% de hi deta hai ❤❤❤
No Ma'am please update your knowledge. What you are suggesting happens when SWP is done @ 4% p.a. Thus, user would be able to withdraw 4LPA till infinity.
Ye scheme hi he Manlo yesa hota jinhone ye scheme plan kiyahe wohi kartana unka pesa kabi khatamhi nahi hoga Ye jo scheme he calculate karneme badiya lagega bhai
Jis saal market niche jayega fir v ap withdraw karte rahe us hisab se paysa negative v ja sakte hai ..SWP me yeh Gyan koi Nehi batayenge.. best option to me 1cr monthly FD payout me dalo family k koi senior k nam pe .. 9% me se 2% nikalo every year 🙏🏼
But the thing is from where we can get 12℅ interest rate on amount and also being safe for long term Nhi toh 20 saal baad paisa invest kiya hua hi sara milega nhi loss hi loss
after 20 years you can start withdrawing, means value of 70k will be only 10k to 20k after 20 years. So it is like you are withdrawing 10k20k every month
Bit you can't explain about what age you need to start to invest.nad start to withdrawal the amount.mentuon some clarify on it..before u post such good content
withdraw 20 saal bad kar saqte hai? tab ka inflation rate kya hoga? usee accha to invest in anything which will make your money 4 time with unconditional withdrawal
Inflation, tax, STCG, LTCG, risk etc. Left the chat😂😂
Right Bro.
@Sahil where we can start this investment?
Abbe yaar or chodo 20 saal jinda rahne ki garuntee le lo mein deta hu 1 crore
@@Shadow-jk7mb mujhe do 1cr me leta hu guarantee fir hum 20 saal baad milenge bhai 😂😂😂
And what about 20 yeras 😂😂😂😂😂😂😂😂😂
Ye ekdam mast scheme hai. 20 saal ke baad 1cr ki value kitni hogi ye janne ke liye hame gold ka aajka rate aur 20 saal pehle ka rate dekhna chahiye
Usse bhi sirf past trend pata chalega, future nahi
Ya good idea gentle man .👉
@@ketankulkarni7938 but you can know nearly percentage which is increasing in future
Agle 20 saal rahenge bhi ki nahi ye bhi soch lo
Mat karo bhai investment.. that's better option for those inflation guys
Moral of the story 30 sal bad 70000 ke valu 7000 ho jayege mere hisab se kon kon agri karta he.
explained simply but there are still many complexities involved...a rule of thumb is that if your current monthly expenses are INR x then your retirement corpus should be 25x. and you need to withdraw 4 percetn annually of your retirement corpuse as SWP but you need to take care of the inflation as well which means you need to increase your SWP by 10 percent every year
What if we die after 40-50 yrs of retirement.
We will be in shortage of funds in last few yrs before we die.
Best option is atleast retire when u have 30-35 yrs of expense & Work as freelancer/part time /2hrs a day/3-4 months/p.a/side business like real estate agent after retirement & live peacefully and die rich.
Average age nowadays 50😂😂😂😂
Did 25x of current income wasn't adjusted with inflation already. If not.. It Should have been shared accordingly
Hera Pheri 3 script writer wants to know your location
Please help them
😂😂😂😂😂
Ek dum shi😂😂
😂😂😂
20 saal main paisa khatam 😂😂😂😂
Only for this video I subscribed this channel
😂😂
5 साल पहले मुर्गी का अंडा 3 ₹ का आता था खाया नहीं मेरे पास 15 रुपय थे 5 अंडे आते थे 15 को invest किया था आज 21 रुपय बने है aur अंडा 7 रुपय का मिल रहा है पहले पाच अंडे ले सकता था आज तीन ही आ रहे... investment पर जो return मिल रहा है उससे कही ज्यादा पैसे की value गिर रही है
To sir aap inflation se jyda rate of return nikalo🥲
That is for egg not for chicken
5 yrs ago chicken price was 120-150
Now 170-200.
Buy some chickens and get eggs for free
Or ha anda 3 rupay tha hi ni bete
5 saal phle anda 5 rupay ka tha
Yaani phle bhi teen ande milte
Or ab bhi teen ande milege
Pr haa syd school m bhi tughe ande hi mile honge 🤓🤓🤓
😂😂😂😅😅@@rklegends2988
5 saal pehle anda kha lena chahiye tha.😂😂 aur thodi mehnat karke zyada paise bachana chahiye tha.
Paise bachane se bachte hai.
Mast scheme hai. Raju bhai lagayenge paisa 😂
😂
Gol maal hai sab gol maal hai!
chiella chiella ke bol.. 😅
70,000 after 20 years where the inflation rate is 3% would be equivalent to approximately $35,000 in today's money. It's important to consider inflation when planning for long-term financial goals.
Kuch sense hai iss bat ki 😂
@@sushantwaghmare3936bahut badhiya kaha hai bhai nei inflation bhi hoti hai
That BGM make me feel the beautiful south indian village
Time value of money left the chat 😂
Sharing knowledge in such a easiest way ❤great work.
Inflation, tax, STCG, LTCG , RISK, Volatility, , expance ratio,,exit load,reasherch etc. Left The Chat 😂😅
Still much better than FD.😂😂😂
Jinko pata nhi kaise karna hai unko FD Mubarak.😂😂😂 isse badiya toh kuchh karo hi nhi.
Don't invest in Bonds, SIP, Mutual funds, Stocks, Gold, Real Estate, Rolex etc..
Invest only in human relationships!🎉❤
And you live and die as a happy/satisfied man.
Wow thank you so much mam🙏 please SWP pr aap ek detail video laiyega.
Detail video sagar sinha ne bna rkhi h
Thanks bro for such a wonderful piece of information ❤❤
Simp
@@mr.unknown8570 jerk
after 20 years 70k ki value kya hogi?
Approx 6-7 k aj ke
@@ashu_1 10k per month invest karke 6,7k milenge waah kya scheme hai.
7-10 k ₹ आज के हिसाब से 🤔😌, फिर भी मूलधन कभी खत्म nhi hoga 😀😂
For rough calculation formula is
Value of money in next 20 years will be = divide today's value by 10.
So as per this video purchasing power of 70k will be 7k which means you can buy the things with 70k which you can buy today for 7k
Approx 50000
Really do not forget financial videos like fancy reel please add the inflation rate as well mam.
Sabse best hai ek plot leke dal do instalments per aur 20 saal baad bech dalo ....for Jo paise aaye usko monthly income me dal do...us samay ke market ke hisab se income lo
Ye kya hota hai ??
Yeh sahi hai .
Suppose if two years continuous negative market, then your principal will be gone and your withdrawl monthly will reduce more money in principal....for getting returns, we can wait if negative market also, but for swp, you cant take average value
Start swp from very low amount, like 2% and increase every yr.
FD ya LIC karlo isse acha bhai
@@sanjaykartari68352% is very less. 4% is very balanced amount. For 2% you will need corpus 50 times the yearly payout.
Knowing all these di.
But sometimes this thought strike in my mind why finance advisor youtubers billioners or millioners till now?
😂
It's common sense. Most of the millionaires have some business or are some celeb meanwhile these finance advisor youtubers are more like us common people.
And the tips they give us are not some rocket science, it's basic financial knowledge. Millionaire/ Billionaire hone k liye alag skills bhi chahiye within knowledge. Not everyone have those skills na
🤑 Absolutely, the cashback saved me last week. It’s a good feeling to get something back after a loss
20 saal ke baad 70k ka value rahega???
Nahi 😂
😢😢😢😢 video mai bewkuf bnana h bus
Wha wha kya naya baat h , kya baat h ji khtrnaak
The interest above 40k per annum charge 10% tds , isn't it ?
Yes
Ma'am yese koi investment bhi bataye jiski salary sirf 12000 ho .. ...big investment always gives big profits.. ...small investment ke liye kuch btaye jisse gareebo ki help ho jaye vhi 3 saam me Kam se Kam gareeb insaan khud ka ghar le paye ❤ thanks
Ye scheme 25 saal pehle aana tha
😂😂😂
Tab itne paise kiske pas the
70K would be cheaper after 20 years due inflation.
But Nice content .😊
Fir wahi crore ka number after 20 saal 😅
1. No bank gives 12% intrest..its only 7% approx. So, your 10k per month won't become 1 crore in 20 yrs.
2. She is telling "70 k" you will be able to withdraw monthly, from the monthly interest of 1 crore after 20 yrs... That means your bank should be giving min 8.4% min interest after 20 yrs... If you observe, bank interest reduces over time... For example every advanced countries like Australia or America has fd interest below 1%.
3. Plus FD intrests are subject to income tax. You will not get entire intrest amount to your hand.
She is talking about investing in mutual funds not banks?
10,000 -> 12% -> 20 years
Yes, very achievable plan 😭
Thanks brother.
Inflation ma'am thoda... samaj ke video banaoo.... 70000 tab ka aaj ke hisabse 🤣🤣... guys these influencer dubadenge
😂😂😂 correct
Mam annually agar 8 se 9 lack withdraw krnge after 20 year usko to inflation kuch smjega he nhi itne peso se shirf grocery he aa payegi aur fresh vegetables not milk 😮😮😮
20 saal ke baad 70,000 ki value 700 ke barabar rahegi 😂
It is kam bhi nhi hogi lagbhag 30000 tak hogi bro
Haa agar apne vo b start nahi Kiya to ganta bacheka apke pass
Mere bhai,thoda inflation ke bare me padh lo, 5%average inflation rate hai living ka.ideally and logically 20 Sal baad 70000 mahina matlab aaj ke 30 se 35 hajaar honge. Aur ek baat,agar ye bhi investment nahi karoge to aulad ke bharose rehke bhuke maroge.
17500 rs hogi
you are funny madam .. awwsum ur talented
Property khrido bhai log .. simple hai.
@@ketanelectrical Paisa rhe na rahe pass me .. property rhega bohat important hai balanced investment Krna chaiye
@@Gaurav_9108 sahi hai but compounding me Paisa badhata jayega
@@ketanelectricaltere ko property ki value pata nahi
Property pe tere ko koi risk bhi nahi hai
Bhai Property ke maintenance bhi jaruri hai aajkal.. usko aise hi khareed kar chodne ka jamana bhi nhi hai.. Kuch daban log avaidh kabza bhi kar lete hai aajkal doosre ke plot par..
Mam who will calculate the inflation & what is the value of 70k after 20 year, please share complete information.
inflation ma'am inflation!!!
I swear these financial influencers will come up with very unrealistic numbers to get a catchy title for their video 🤦🏻♂️
Jab tumhe lag rha hai ki 70k ki kya valve hogi ye bhi socho ki 10k jo tum lga rhe honge uski kya value hogi
@@हरियाणे_वालावो value to withdraw करते जा रहे हैं न 🤔😌
What if the market falls down due to any uncertainty and it’s better to allocate these funds into hybrid or arbitrage funds.
Inflation laughing in the corner 😂
Mam ne itni scheme batayi, khud par koi lagu nahi ki
Inflation be like : Am i a joke to you.😅😂
Sala
Monthly 10000 investment
Wo b 20 year k liye
Matlab total investment hua 2400000
Fir wo monthly denge 70000
Ye sahi choice nahi hai
Esse accha khud hi
Stock choice krk hold kre
Stock b 1-2 month me 10-15% de hi deta hai
❤❤❤
You are Very intelligent Mam 😮
SWP is ok once retired! If you stay invested then it will grow more due to compounding!
Hello I really want to understand this more deeply
Best option if I wish tobivest one time 5/6L
No Ma'am please update your knowledge. What you are suggesting happens when SWP is done @ 4% p.a. Thus, user would be able to withdraw 4LPA till infinity.
Index funds will grow at a cagr of 12% no matter what, till the end of our lives or even till the end of the universe.
can you make full video on it. and where we can start investment?
Sure, We will try to cover this in our future videos.
Till then you can refer to description of the video for more information.
@@bekifaayatiladki ho na ,, ladki ko Ripley de rahi ho, I hate your hebit,,
Chalo ab 20 sal bad ye video dekhenge .. tab monthly withdrawal kar sakenge ..
If market falls the mutual fund value will be Zero
Ye scheme hi he
Manlo yesa hota jinhone ye scheme plan kiyahe wohi kartana unka pesa kabi khatamhi nahi hoga
Ye jo scheme he calculate karneme badiya lagega bhai
Thank you so much for your idea. Lakin ek crore mera pora pariwar nahi dekha, woh kaha se lavoon 😂😂😂😂
उनमें से सरकार Returns पर GST+ Sess+ Income tax on Capital Gain+ other Charges कितना कटेगा वो भी बताओ.
Mast plan hai re baba......
@bekifaayati : For SWP, which MF platforms support that ?? Pls let me know to register ourselves 😊
Jis saal market niche jayega fir v ap withdraw karte rahe us hisab se paysa negative v ja sakte hai ..SWP me yeh Gyan koi Nehi batayenge.. best option to me 1cr monthly FD payout me dalo family k koi senior k nam pe .. 9% me se 2% nikalo every year 🙏🏼
Galat fund me swp karoge toh yahi hoga. Thoda dimaag lagaya karo warna saving karo hi mat, sab udaa do.😂😂😂
20 year of work and life time earning without working 😎👍
'Suna hai pr samaj kabi ni aaya' ye bohot aacha laga apke mu se
Asa possible hai. This theory is called "Assumption Method"
Koi guarantee nahi hai.. it is all imaginative.. reality is something else
1 cr ko Maan k chal rhi didi...jai ho
But the thing is from where we can get 12℅ interest rate on amount and also being safe for long term
Nhi toh 20 saal baad paisa invest kiya hua hi sara milega nhi loss hi loss
SWP start kis point of time se karna hai?
Mam, FD in favour of employer as security for 3year than who take the benefit of interest???
mam what about inflation 20 saal baad kya 70 hajar enough hoga bi???
Now new trend to loot public money , just by introducing new short forms
What about Inflation, taxes & market crash ?
after 20 years you can start withdrawing, means value of 70k will be only 10k to 20k after 20 years. So it is like you are withdrawing 10k20k every month
🎱 Yes, those reload bonuses can be a lifesaver, especially when you hit a rough patch. Helps to keep playing without breaking the bank
She is employee of Laxmi chit fund 😂
Nahi yeh Meri Anuradha nahi hai - Shyam from Hera Pheri left the chat 😂😂😂😂
Property is the best investment
🎉🎉👍👍
Nice
Good work
Yea dekha dekhi market mein apna double le kar bahut aa gaye hain par pata kisi ko khaak nahi hai
Wah
if we invest some amount can we start swp immediately or we have to wait for lock in period.
What is initial investment?
Kitne maheene deposit karna hai ye nahi bathaya...
Practical baat kare.. ab bato Mera pass q crore hai Muje monthly sir granted 70000 chayiye... ab Batao kismet invest karuuuu.... Awaiting fr ur revert
Mai ab 30 saal ki hu, 20 sal bad 50 ki,
Ab life baci hi kitni h jo mai life time paise nikal sakugi.
Ever heard of the sequence of returns??
As per the this plan, 70k Withdrawal toh 20 years baad hi milega. Right?
Can you please suggest few of SWP funds names also?
Mentioned in description.
20 bis saal baad bhi 1 cr ki value to kam ho jayegi na
Vese big fan achi jankari di apne😊
But the withdrawal can only start once corpus hits 1 crore .
Before that if starts withdrawing , the calculations don’t fit
Bit you can't explain about what age you need to start to invest.nad start to withdrawal the amount.mentuon some clarify on it..before u post such good content
withdraw 20 saal bad kar saqte hai? tab ka inflation rate kya hoga? usee accha to invest in anything which will make your money 4 time with unconditional withdrawal
Agar market gira to Kya hoga🥺 and Usme bich bich me lumpsum dalu to Kya hoga
Samaj nahi aya lekin sunke acha laga 😅
Great 👍
Thank you 😊🙌
Meanwhile, other big expenses would knock your door every second day until you spend the entire amount and take loan😂
arey adi ela ?How Does it includes taxes, Inflation and market ?
Vo sab to thik h but mera dhyan apke muchu me tha 😅 filter jada laga diya ,thodi patali muche hoti to maja a jata ,baki apke knowledge to ✨
Nav ki qty khatam hoti hai ... Kisne kaha life time chalega
Inflation left the youtube shots, after 20 year 70k will be 7k real value of today .
But what else will give this return 🤔