No one telling about tax for SWP credit. You need to consider SWP income for paying tax as per your tax slab. Also SWP is a wholly new concept for Indians and no one had previous experiance on it. One should wait for another 8-10 years on SWP performace results. The people talking in youtube just say like its simple money printing maching. If anyone had expriance in SWP please let me know their performance.
Swp to be activated only if needed when there is no other income may be after retirement and swp withdrawal rate advisable @ 8-9% pa to grow your corpus @12%. . Tax as per equity taxation if in equity plan.
1. Montly investment capacity 5000. 2. 5laks get from gold loan investment lumsum and i pay 5000 gold loan or again invest 5000 monthly. I can't pay gold loan interest full at year end. So i pay 5k monthly at year end gold loan renewal able.
Sir , personal loan or home loan which is better? Personal loan is 11 percentage, not 14, home loan is 8.7, personal loan is diminishing loan, which is better
லோன் கொடுக்கிறவங்க வீடு கட்டுறதுக்கு கொடுப்பான் இல்ல வீடு வாங்க கொடுப்பான் இந்திரன் இந்த இரண்டில் ஏதோ ஒன்னு தான் செய்யறதுக்கு லோன் தருவேன் மியூச்சுவல் ஃபண்டில் எப்படி இன்வெஸ்ட் பண்ண முடியும் கடன் வாங்கின பணத்தை
He is telling if you are having full amount(45 lakhs) to purchase a house, then you can make 9 lakhs payment from your hand and get loan for 36 lakhs from housing finance. And invest your 36 lakhs (already you have paid 9 lakhs from your hand) in mutual funds. And make systematic withdrawal to pay EMI. This is the correct method.
He isn’t talking about the loan amount. What he says is that instead of paying the full amount and buying a house, in case you have funds in hand, you can pay just 20 percent down payment and the balance in mutual funds. This can be systematically withdrawn (SWP)I.e Systematic Withdrawal Plan, and you will get whatever you ask for which will be 32000/-. In case of home loan this can not be done. You have to pay EMI to the bank only.
சார் வீட்டுக்கு 4500000/- இருப்பு -900000/- குடுத்தாச்சு 3600000 /- எப்படி கட்ரது. Loan 3600000/- போட்ரம் mutual fund la 32000 /- வரும் 32000/- EMI கட்ட அது வங்கிக்கு போய்டும் . வீட்டுக்கு எப்படி 3600000/- கட்டுவது அதுக்கு காசு. வீட்டுக்கு குடுக்க வேண்டிய காசு mutual fund ku போய்டுச்சி . வீட்டு கடன் எப்படி கட்டுவது. எத சொன்னாலும் நம்பிருவாங்கனு கதை விட்டுருங்க.
your invested money grows while you pay interest. Meaning you get more returns than your interest and still have money. like give and take. meaning after the home loan you are still left with the invested amount. If otherwise you put the entire money in your home and you are left with nothing. lets say 50lakh home. image how ling it would make that corpus.
Sir, these type of wrong advices will invite hike in home loan interest rate which will only affect people like me those cannot able to buy a home without the support of home loan. Please advice the financially stable people to stay invest only in longterm (growth scheme) so that their capital will rise upto 12 to 15 times in 20 years. That would benefit them more than your idea. Already rates of real estate and budget homes are far away from the reach of middle class and now you are shattering it by these extraordinary ideas.
உங்களை போன்ற தங்கங்களால் தான் stock market is dependable for long term wealth creation
Next 15 years la small town la kooda 2 crore kudutha than veedu vanga mudiyum.real estate apadi poitu iruku ippo.
பதிலும் அருமை.. கேள்வி அதைவிட அருமை 🎉
Land is limited, we can't buy tomorrow
Mutual fund anytime we can buy.
Give importance to land/house first
Band investing pathi sollunga adhula 12% kidaikkum and gaurenty income
Recent RBI guidelines says that gold loan shall be brought under EMI option. Also bank may check the eligibilty of borrower like other loans.
SWP என்றால் என்னவென்று தெரியவில்லை அதில் எதில் எப்படி முதலீடு செய்வது குறைந்தது எவ்வளவு முதலீடு செய்ய முடியும் என்று கொஞ்சம் விளக்கம் ஆக பதிவிடவும்
சிஸ்டமேட்டிக் வித்ராவல் பிளான்
மாதா மாதம்..வித்டாரவல்..பன்னிக்கலாம்..அதுதாங்க..Swp..
Hi sir. Active small cap fund or passive micro cap fund?? Which is your suggestion sir? Please explain
Gold last 4 years good return eg SGB , ETF , more than 20%
No one telling about tax for SWP credit. You need to consider SWP income for paying tax as per your tax slab. Also SWP is a wholly new concept for Indians and no one had previous experiance on it.
One should wait for another 8-10 years on SWP performace results. The people talking in youtube just say like its simple money printing maching.
If anyone had expriance in SWP please let me know their performance.
Swp to be activated only if needed when there is no other income may be after retirement and swp withdrawal rate advisable @ 8-9% pa to grow your corpus @12%. . Tax as per equity taxation if in equity plan.
Mutual fund investment vs bond investment . And risks in bond investment?
can you please share the article ?
15% intrest thara funds solunga pls
Leagal ஆ possible ஆ sir?
Swp panam eduthu EMI katna 25years mela calculate aakuthu sir 😂😂😂...
Video start 2.20
1. Montly investment capacity 5000.
2. 5laks get from gold loan investment lumsum and i pay 5000 gold loan or again invest 5000 monthly.
I can't pay gold loan interest full at year end. So i pay 5k monthly at year end gold loan renewal able.
sir recommendation of your point of you best mutual funds
Sir , personal loan or home loan which is better? Personal loan is 11 percentage, not 14, home loan is 8.7, personal loan is diminishing loan, which is better
Swp means bond la invest panna solringala
Gold loan 9.75% intrest, i get gold loan and invest in bond possible good or not?.
லோன் கொடுக்கிறவங்க வீடு கட்டுறதுக்கு கொடுப்பான் இல்ல வீடு வாங்க கொடுப்பான் இந்திரன் இந்த இரண்டில் ஏதோ ஒன்னு தான் செய்யறதுக்கு லோன் தருவேன் மியூச்சுவல் ஃபண்டில் எப்படி இன்வெஸ்ட் பண்ண முடியும் கடன் வாங்கின பணத்தை
Avanga gold loan solranga not home loan
He is telling if you are having full amount(45 lakhs) to purchase a house, then you can make 9 lakhs payment from your hand and get loan for 36 lakhs from housing finance.
And invest your 36 lakhs (already you have paid 9 lakhs from your hand) in mutual funds. And make systematic withdrawal to pay EMI.
This is the correct method.
What we can plan for person who is not having cash in hand bro? They have only option for loan right
@@GreatIdea771den who will give dat 36 lakhs for home..
@@GreatIdea771also.if v have 45 lakhs in hand wats d need to get 36 lakhs loan..confusing.kindly clarify..
Thanks
Sir in central bank ,for one Lakhs 720 rs per month
Home eh guarantee ah vachi dhan Home loan sanctioned..then how can we invest that amount in SWP... confusing😮
Ya.confusing.
He isn’t talking about the loan amount. What he says is that instead of paying the full amount and buying a house, in case you have funds in hand, you can pay just 20 percent down payment and the balance in mutual funds. This can be systematically withdrawn (SWP)I.e Systematic Withdrawal Plan, and you will get whatever you ask for which will be 32000/-. In case of home loan this can not be done. You have to pay EMI to the bank only.
@@renukasoundararajan5003 got it....
Mr Padmanabhan is answering all the questions, fielded to him, with much ease, even tougher ones.
I get gold loan 5laks and plan to invest. This 5laks consider income or loan.
சார் வீட்டுக்கு 4500000/-
இருப்பு -900000/- குடுத்தாச்சு
3600000 /- எப்படி கட்ரது.
Loan 3600000/- போட்ரம்
mutual fund la 32000 /- வரும்
32000/- EMI கட்ட அது வங்கிக்கு போய்டும் .
வீட்டுக்கு எப்படி 3600000/- கட்டுவது அதுக்கு காசு. வீட்டுக்கு குடுக்க வேண்டிய காசு mutual fund ku போய்டுச்சி .
வீட்டு கடன் எப்படி கட்டுவது.
எத சொன்னாலும் நம்பிருவாங்கனு கதை விட்டுருங்க.
Please do share your whatsApp number will explain
Home loan potu loan vangitu , atha thooki funds la pota, bank Karan veedu enganu keka matana?😢
Correct question
Thirumbavum kelunga. 45 lak ah fulla kattama 9 mattum kattanumam. Meethiku lone podanumam. Meethi 36 lak mutual funds la podanumam. Athula avara revenue eduthu emi kudithudavam
Starts at 2:11
2019 and 2020 la 10 lakhs invest panninen. 15 lakhs agirunthathu 2 masama 14 lakhs agiruchu
@dhanalakshmic4268 Congratulations 😂😂😂😂
Podu nakka
Adhu market correction
@@beawarehelp6029 podu nakka
Hold pannunga next 5 years ku minimum
If i have sufficient fund to invest in SWP then why should i take home loan and pay interest.
your invested money grows while you pay interest. Meaning you get more returns than your interest and still have money. like give and take. meaning after the home loan you are still left with the invested amount. If otherwise you put the entire money in your home and you are left with nothing. lets say 50lakh home. image how ling it would make that corpus.
He is giving advice to those who want to buy house without any loan. So his advice is good
Sir, these type of wrong advices will invite hike in home loan interest rate which will only affect people like me those cannot able to buy a home without the support of home loan.
Please advice the financially stable people to stay invest only in longterm (growth scheme) so that their capital will rise upto 12 to 15 times in 20 years. That would benefit them more than your idea. Already rates of real estate and budget homes are far away from the reach of middle class and now you are shattering it by these extraordinary ideas.
@@riyainteriordesigners7 this will hike home loan interest rate
@@Phylumspongella this will results in home loan interest rate hike
சாரே இது சோன்னா நம்ப மாட்டாக
Mutual Fund is good, but mutual fund advisors are fraud.
நாம் பணம் போடும் போது நாம் தான் சரிபார்த்து முதலீடு செய்ய வேண்டும்
திருடர் கூட்டம்
He is right only. You can analyze yourself.