👉 Talk to a Club Mahindra Holiday Consultant: membership.clubmahindra.com/sem-in/LP/cmh25_aff/?campaign=2409WebRegular&refid=CX-youtube-post-shankarcmh
Good insights for us . Currently my MF Portfolio is ₹15 Lakhs with an IRR of 27% .Started in 2018 with an SIP of 4K & Wish to touch the Magic 1 Crore Mark by 2030. Don't know whether its 100% possible but continuing my SIP with monitoring my Portfolio is all I can do
Who is this man - S.H.A.N.K.A.R.N.A.T.H. - is he supremely knowledgeable ✅ Is he down-to-earth ✅ Is he lucid in the way he presents ✅ He is the undisputed G.O.A.T of the FINFLUENCERS - when so many others flaunt needless "theatrics & drama" here is a man who towers above all with his simplicity ! Bravo !
Definitely NOT - You sure know me through my earlier comments - my feedback is purely as a Market participant who has immensely benefitted from your videos - not a ChatGPT prompt - but a genuine person 😂
@@sridharkalyanaraman6943 Thank you! I was just pulling your leg. Seems like a superman rendition, doesn't it? Is it a bird? Is it a plane? No, it's Superman
Many thanks for this feel good video to start the Onam weekend 😊. Your insights on how 1 crore is already 40% of the way on the journey to 10 crores is a fresh perspective about which I hadn't thought. I'm happy to be already there. Good luck to everyone else.😊
Wishing you a joyful Onam! I'm guessing tomorrow's breakfast will be puttu and kadala curry at my place :) Yes, pls do a time audit. Your journey from 1 to 5 crores is likely to happen in the same time you took for reaching 0 to 1 crore. And the last 5 crores i.e. 5 to 10 crores will take half of what it took you from 1 to 5. So: 40% of time for 0 to 1 crore 40% of time for 1 to 5 crores 20% of time for 5 to 10 crores It seems to be working this way for me
Your simplicity and down to earth body language and delivery is what that makes your videos a repeat watch. Just looking at your face, transcends positive vibes to the viewer !!!
Beautifully scripted and delivered. Personal experiences are always more powerful than just theory posted by other content creators. Thankyou so much , heartfelt regards
Every subscriber of yours know all these steps. Still, the way you are summarizing...bravo. I have reached the first milestone already. Good to know your wealth creation journey. May the markets be kind for us as well :)
I wish this kind of videos were there when I was 21 and making 50k+ every month with no more than 20k expense . Better late than never started SIP at the age of 30 and now I’m 32 done some lump sum investment as well right now the portfolio is 12.2 lacs , hopefully with future SIP and lump sum investments I will reach 5 crore in next 18 years . 🙏🏽
I’ve been following your content since your days with ET Money, and I’m a proud subscriber of your Substack since day one, as well as a follower of your Reddit profile. I truly appreciate the hard work, research, and dedication you put into your videos - it’s incredibly commendable, especially in today’s time when so many content creators are just pushing useless courses. Your channel stands out as one of the few that is genuinely backed by solid research. What really amazes me is how you take the time to reply to each and every comment. That level of engagement speaks volumes about your dedication and connection with your audience. I also wanted to share my gratitude for your advice. Many in my family applied for the Somany Ceramics buyback in December 2023, and we all made a sweet profit - all thanks to you! Keep up the great work, Sir. You’re making a real difference!
Sir you said most of you watching this video have a crore or even 10 crore- nahi Sir. Sab ke paas aisa paisa nahi hain. I’m hopeful to get there one day.
Wishing you the best! Since I've become a self-employed person, I have seen wealth miracles done by youngsters (people in their 20s & 30s) which I could only dream of when I was a salaried person.
Abdul my friend , it takes two things to get there 1.luck (market conditions, life ,health and a lots of other factors that cannot be listed) 2.decipline While first cannot be controlled. We are left with second that is dicipline- Do just focus on the second. May you be blessed with all happiness
@@maverick4219 Thank you so much! Your words really hit home. Luck may be out of our control, but discipline is something I can work on every day. I’ll focus on building that and let the rest fall into place. Appreciate the encouragement, and I hope to make strides with this mindset. Wishing you all the best as well!
@@AbdulHakeemcatchabdul Having said about what i commented about dicipline it is also , somewhat controlled by luck to a LARGE extent. So I hope we are all blessed with all happiness health and wealth.
Shankar sir, the thumbnails of your videos are of top class. Catchy and attractive Even the videos are very well edited and have graphical depictions to clearly grasp understanding and also with catchy sounds and of course you speaking yourself. Good job with the video editing. Is there a professional team behind all of this ? Just curious to know.
Thank you very much .. I'm glad you like the production values 1. Thumbnails - I make them myself 2. Editing - we do it in two parts a) I make a 100-120 slide PPT with step-by-step instructions on what to put where (it's time consuming, takes me a day) b) the freelance editor then puts it together and adds motion, sound & similar effects Beyond me & the editor, we have a freelance videographer who comes to my home once a fortnight to record 1-2 videos on that day. I still don't own a camera.
I really like your practical approach rather than other influencers khayali pulao approach. Your content is insightful irrespective of the age of the viewer.
Very sad to see that you have only about 31k subscribers...... Very well researched video. I have being following you since ET money days. Thank you for your efforts Sir.
I personally believe, in your 20s and part 30s, one should invest in themselves more - time-wise to upskill and money-wise should invest more in mutual funds in order to not lose precious time. As age grows the focus should go towards passive income according to the corpus that you have built.
That's the core point of this exercise. The stock market i.e. investment is just 1/7th of the blueprint so being fearful of the bullmarket going away pushes control from your end to something else. Questions for you to ask yourself -- a) How can I increase my income? b) What second income can I start generating? c) How can I save more than the previous month? d) Where do I lack self-discipline? e) Is there some tax element I am not making use of?
This likely can be a reason beacuse it is generally at this point to plan to buy a home &/or car and have to pay some lumpsome, while also adding significantly to your expenses. My current savings have gone down to less than 10% from before.
India is at a unique position which can happen only in many centuries. Next 3 decades are our opportunity. If we plan and approach our investments properly, then there is no turning back.
In my opinion, your narration with a hint of humility makes the messaging even powerful. I’d like to believe most viewers of this channel are aware individuals and would already know this blue print fully or partially in some shape. Your style of coupling your own life experiences with such messaging in a way not too overwhelming for the general mob is very impressive. I personally feel intimidated and questioned with similar content produced by other creators. The essence is in making the viewers believe that these steps can also be practised by them which your video does. Good work, really 😊
Response of this video shows that how simply explain this concept to the audience even though this type of content available in social media but people can’t understand…Great work again..thank you and good luck
The topic provided valuable insights and motivation, particularly for beginners and young individuals with limited financial knowledge, eager to build their wealth. That's impressive!
Hi Shankar, as always appreciate the effort. Really appreciate you not shying away sharing your net worth to make the content more authentic which I am sure will inspire many if not all to achieve their financial goals.
Dear Shankar Sir, I have a long lasting question in my mind. Which platform should i use to invest in mutual fund. I have till now used etmoney and some direct MF investment. What do you suggest and how do you invest. Directly through asset management company app or third party like groww and et money. Hope you answer pls
Hello. I myself use a combination of CAMS, ET Money and AMC websites to invest. Sometime an edge case is not covered by one platform but the other has it. I have not found any particular preference in platform and my transactions have been smooth 99% of the times. I guess there is no preference because I'm not buying mutual funds everyday month. I prefer to setup an SIP or STP and that's it.
Do you have a service where you review Mutual Fund portfolios and see if they align with the investor's goals and provide advice? I would really appreciate it, because I have a monthly SIP amount of around 5L and I have made a portfolio after much research, could really use an expert's validation / advise. Thank you.
@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I've selected myself a bunch of funds for around 5L per month SIP amount and could use some advise, thanks in advance.
@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.
@@shankarnathDo you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ? I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.
Hey Shankar sir! Big big fan of your videos! A suggestion for a furure video- Can you a start like weekly or biweekly analysis of a subscriber's portfolio? And see where he/she is doing right and wrong and help him/her for further course if action? A great idea it seems!
Thx. I've had a lot of practice though. Since I started Youtubing, I would have apologized to thousands -- for some minor error, for delaying a release by 1 day, for YT inserting too many ads, for a defective microphone, for not talking about 1 lousy point in a video where I have spoken 20 relevant ones etc. etc. etc. I've been observing myself -- now I don't even feel sorry when apologizing on TH-cam .. it's become mechanical. But it's helping me the other way .. so when someone appreciates, I feel very happy & inspired
Nice explanation sir recently i hit the 1cr savings mark it took me 8 years but i invested my time more on learning than finance initially …so i was able to get half cr gross salary now and started investing aggressively
Thank you very much. I'm glad you found this helpful 🙌 Reaching a crore as early as possible definitely works -- after posting this video, this came up for discussion in a couple of whatsapp group (school friends and b-school alumni). Most people seem to have experienced the same with their own wealth creation
nicely explained....my portfolio is a little over 2 cr....and I have seen it growing from 1 to 2 cr in the last 3-4 years (thanks to the bull market)...I have personally experienced the first 25-30% of this journey as explained in your video...although my current business is not doing so great, but this compounding happening in my portfolio gives me a sound sleep and inner peace....
Thank you Shankar sir for this video. If possible can you please make a similar video on making 1 crore corpus after paying all taxes considering LTCG will keep on rising as it did by 2.5% this year
Thanks for the suggestion. I'll try but this can also be solved by simply increasing the marker by 14% .. so instead of making 1 crore if one does 1.14 crores then it broadly takes care of the 12.5% LTCG tax.
But if Government increases LTCG to who knows may be 20 or 30% or even more then it will be really difficult to reach even 50 lakhs in 30 to 40 years. So if possible can you please make a video if a situation like this happens
Thanks for the suggestion. Since this is more about predicting the future, pls use the formula = 1 crore divided by (1 minus tax rate) to build out simulations. So if you think the LTCG tax will increase to 30%, then 1 crore divided by (1 minus 0.30) comes to 1.42 crores. Likewise, if LTCG tax rises to 25%, then 1 crore divided by (1 minus 0.25) comes to 1.33 crores .. and so on.
Thank you very much 🙌 True, it's higher when I add real estate, PPF & EPF accumulation but I've referenced this video around my investment account (MF + stock). That's the one I really track & would like to grow over time
Thanks for another fascinating video.. Like you I too started my investing journey late and made mistakes of buying a 2bhk house and investing primarily in ppf and lic policies. At 41 years now, I am now saving aggressively and diversifying my portfolio into stocks and mutual funds. I love that your videos are so simple but yet put the point across so beautifully. Thanks Shankar ❤
Hi @shankarnath, Once you started working, how many years it took you to reach the first mile stone i.e. 1 crore? As always great content, Loved the transparency part on this video - especially on your TH-cam income!
Historically, 10Y SIP CAGR on Nifty 50 Index Fund is ~15.5% but we've recently have had a run-up. My suggestion -- if your MF portfolio is purely equity, 14% is a good benchmark to have on SIP performance
Excellent analysis as always. As requested earlier, I would love to see a review of some futuristic sectors, such as data centers, hydrogen, semiconductor, biotechnology, etc. Could you please create a video discussing a few stocks with strong multibagger potential.
Hi, thank you for this video..just was curious to know what if someone already has that target amount, how to go about investing now in MFs with that money..lumpsum or if sip, how? Pls advice..
This part is covered in many of my videos on the channel, may I request you to spend an hour or so over the weekend and examine a few videos marked under the playlist -- Investing for Beginners and Mutual Fund Strategies
Sorry, I haven't tracked this for each crore but to give you an idea -- the first crore had about 90 lakhs in investment. By the time I reached the 5th crore, this was more like 50:50 i.e. 50% was investment and 50% was capital appreciation. Pls note: my portfolio was more debt & less equity when I started and even now, it's 64% equity & 36% non-equity
Its not a direct related topic, but to expand on your point made in 15:27 , can you please make a video on TH-cam monetization and how smaller channels can make TH-cam work from them as a second income.
Excellent video..thanks for inputs on passive income sources. It would be great if u could suggest how to go about for earning passive income like u mentioned writing etc .
Thanks! I'll have a separate video on passive income strategies. But as you might be aware, this isn't easy. A lot of upfront work needs to be done like this YT channel in my case. Now, my old videos continue to earn me money every day. For example -- the video I did on "Shameless Cloning". That single video continues to earn me ₹150 every day.
@@shankarnath great sir ..Also can u suggest what is the best combination for reaching goal of 1 crore for wealth creation ..I meant how much small cap, medium and large cap in a span of 5 yrs/ SIP amount for each. Also, whether we need to have a combination of active and passive mutual funds for each or only active can do
5 crore is the new 1cr. Keep hustling till 55. After that everything would be in place. Please select your life partner wisely as your financial journey will also be theirs after in relationship.
Hi Shankar, have been a fan of your work since the pandemic. Is there a way we can reach out to you or your team about a possible review of my investment portfolio? For context, I am a professional musician and have been looking at a review with regard to my investments made since 2016. I have been at it alone, and frankly I am very tempted to be a pompous ass and disclose all details here. But, I would really appreciate if you can give your feedback on how I am going (it maybe a paid session too). Please do let me know. Thanks man.
Hello, thank you for your kind words & continued support. I don't do paid 1:1 consultations due to paucity of time on my part. I prefer to educate rather than advice -- and hence, prefering work on 1-to-many models like TH-cam, newsletter etc. Very sorry about this! If my schedule opens up, I'll circle back via a community post
@@shankarnath please do. I can also possibly send some screenshots and a basic overview on mail if it’s that something you can possibly check out. I am pretty confident about my numbers, but a yes or no from you would most definitely push me to work harder. I totally understand if that’s something you’re not comfortable with. Either way, you are at par with Money Guy, Nischa, Minority Mindset, George Kamel and some of the other super hip TH-camrs I follow. Thanks for all the help thus far mate.
Sir, having a genuine doubt!! Had you investe directly into your mutual funds or through some financial advisors..?? Because putting that chunk of money into an instrument looks too risky.. Thank you
Hello. I invested directly into the mutual funds (no advisor) and learnt along the way. There was not much risk because as a salaried person, the money was being inserted in SIP mode which derisks the model + I was investing for the long-term (had a view of next 20 years)
OK, I'll try to do a video. Here's what I did -- I continued my SIPs and the markets were kind so that helped. Mathematically in my scenario -- so I had 1 crore by 2019 so that's my lumpsum and say I invest 1.25 lakhs every month so that's my monthly SIP. Assuming the markets grew by 20% between 2020 and 2024 -- so 5 years -- the total corpus would jump up to 4 crores. You can put these numbers here -- www.omnicalculator.com/finance/lumpsum-plus-sip
Congrats Shankar on your journey. This video gives inspiration and confidence. Question: 30K SIP per month. Is the Corpus generated over the year is same if one invest in 1 or 2 mutual fund vs 5 or 6. Did you fumble initially and how did you put mf investment in right path towards 1 crore destination. I am not asking for mf names. If you could share strategy you followed then we can avoid fumbling and save time in our own journey.
Thank you 🙌 The 30k/mo is an illustration to explain how wealth accumulates over time i.e. 10 crores in 29.5 years at 12% p.a. With re: your question -- personally, I would have used 5 mutual funds (so 6k each). As you know I don't give out scheme names but please watch my video on "Building a Strong and Successful Investment Portfolio" for an excellent idea on what it might entail. To help out more -- my five 6k SIPs would include: a) a value-oriented flexicap fund b) a growth-oriented large & midcap fund c) a momentum based index fund d) a trending-value based multicap fund e) a smallcap fund This above is my comfort zone
Good Content. One Query - There is a chart showing 2.5L SIP in 2.8 year will reach 1 Cr. So, after 2.8 years, will the 1 cr compounds in the similar way as shown in the graph (8:43 min)?
Thanks. No, the graph in 08:43 is based on a ₹30,000 monthly SIP compounding at 12% per annum. There are quite a number of calculators available on the internet for calculating own corpus after a few years, kindly use those. Try this one -- edufund.in/calculators
Let me answer your query. The assumption was 30k SIP with 12% return. If you just change the SIP value to 2.5lakh, it will take you between 13-14 years to reach 10 crores.
@@shankarnath : Ok. Also wanted to know if you think it makes sense to opt for regular MF via a good MFD? Or only direct plan makes sense? Do you have any video already on this?
@@aayushjain1845 I don't have a specific video on this but if a person is not comfortable learning/selecting funds by oneself, then better to go through a mutual fund distributor. Once that skill has been built, the investor can opt for the direct plan route.
I think there is a mismatch here, let me explain again. Nowhere in the video, we are talking about returns or CAGR. Notice, I have said 10 lakhs becomes 1 crore, 1 crore becomes 2 crores, so on & so forth. The jump from 10 lakhs to 1 crore is a function of many things e.g. return on initial investment, additional capital (saving % from income), more capital (annual bonus invested), hike in income, monthly SIPs, return on monthly SIPs etc. It almost never happens that an individual invests once in his/her lifetime and does nothing for the rest of one's life. Since most of us follow a similar pattern i.e. some savings, some money in FD, some LIC policy maturing, income, SIP, reinvesting, second income, taking/repaying debt etc. -- the video takes all those parameters into account. In my case, the 10 lakh to 1 crore is a mix of three things -- initial capital (10 lakhs), a higher paying job (40% hike), redeeming FDs & ULIP (investing them), reinvesting annual bonus and starting SIP (initially 5k/mo to eventually 60k/mo by 2018). All this helped me get to 1 crore in 36 months from 10 lakhs in Q1 of CY2015.
@shankarnath Sir make video on inflation, how it is linked to stock market, real estate etc and what should investors do in different scenarios when inflation is high or low
👉 Talk to a Club Mahindra Holiday Consultant:
membership.clubmahindra.com/sem-in/LP/cmh25_aff/?campaign=2409WebRegular&refid=CX-youtube-post-shankarcmh
Good insights for us . Currently my MF Portfolio is ₹15 Lakhs with an IRR of 27% .Started in 2018 with an SIP of 4K & Wish to touch the Magic 1 Crore Mark by 2030. Don't know whether its 100% possible but continuing my SIP with monitoring my Portfolio is all I can do
Who is this man - S.H.A.N.K.A.R.N.A.T.H. - is he supremely knowledgeable ✅ Is he down-to-earth ✅ Is he lucid in the way he presents ✅ He is the undisputed G.O.A.T of the FINFLUENCERS - when so many others flaunt needless "theatrics & drama" here is a man who towers above all with his simplicity ! Bravo !
Thank you. Curious -- Is that a ChatGPT prompt?
Definitely NOT - You sure know me through my earlier comments - my feedback is purely as a Market participant who has immensely benefitted from your videos - not a ChatGPT prompt - but a genuine person 😂
@@sridharkalyanaraman6943 Thank you! I was just pulling your leg. Seems like a superman rendition, doesn't it?
Is it a bird?
Is it a plane?
No, it's Superman
@@shankarnath at times with this advent of AI :D
Agree 100percent...
Many thanks for this feel good video to start the Onam weekend 😊.
Your insights on how 1 crore is already 40% of the way on the journey to 10 crores is a fresh perspective about which I hadn't thought. I'm happy to be already there. Good luck to everyone else.😊
Wishing you a joyful Onam! I'm guessing tomorrow's breakfast will be puttu and kadala curry at my place :)
Yes, pls do a time audit. Your journey from 1 to 5 crores is likely to happen in the same time you took for reaching 0 to 1 crore. And the last 5 crores i.e. 5 to 10 crores will take half of what it took you from 1 to 5. So:
40% of time for 0 to 1 crore
40% of time for 1 to 5 crores
20% of time for 5 to 10 crores
It seems to be working this way for me
@@shankarnath Thank you and wish you the same. Please have a nice Sadhya and Payasam in the afternoon too. 😊
@@arjunps6776 Will do. Thanks :)
@@arjunps6776 ni vayar ilakkumooo
Your simplicity and down to earth body language and delivery is what that makes your videos a repeat watch. Just looking at your face, transcends positive vibes to the viewer !!!
Thank you. Did you use ChatGPT for this? (fairly complex writing)
absolutely, Shankar is a gem
After seeing this video I understood what a rat race is
Beautifully scripted and delivered. Personal experiences are always more powerful than just theory posted by other content creators. Thankyou so much , heartfelt regards
Most welcome 🙌 I'm glad you liked it
This one video is enough for all the basic gyan to make one a crorepati. Well published and a good effort.
Thank you
Every subscriber of yours know all these steps. Still, the way you are summarizing...bravo. I have reached the first milestone already. Good to know your wealth creation journey. May the markets be kind for us as well :)
Many congratulations on reaching your 1st marker
Like star wars 'May the markets be with you.'😂😂
Liked your video before watching it cause i trust your quality videos
Thank you!
The inherent goodness in a person comes out naturally and thats what i see in you !
Thank you Ajay ji .. glad you like my work 🙌
I wish this kind of videos were there when I was 21 and making 50k+ every month with no more than 20k expense . Better late than never started SIP at the age of 30 and now I’m 32 done some lump sum investment as well right now the portfolio is 12.2 lacs , hopefully with future SIP and lump sum investments I will reach 5 crore in next 18 years . 🙏🏽
Wishing you the best
I’ve been following your content since your days with ET Money, and I’m a proud subscriber of your Substack since day one, as well as a follower of your Reddit profile. I truly appreciate the hard work, research, and dedication you put into your videos - it’s incredibly commendable, especially in today’s time when so many content creators are just pushing useless courses. Your channel stands out as one of the few that is genuinely backed by solid research.
What really amazes me is how you take the time to reply to each and every comment. That level of engagement speaks volumes about your dedication and connection with your audience.
I also wanted to share my gratitude for your advice. Many in my family applied for the Somany Ceramics buyback in December 2023, and we all made a sweet profit - all thanks to you! Keep up the great work, Sir. You’re making a real difference!
Thank you very much for your support and kind words 🙌 I'm glad my work has been helping you financially aswell.
The way you come out of video and hit subscribe button 😂😂 2:28
Thank you. It took me a day to explain what I want to my videographer and another day for the editor. I'm glad it came out well
Sir you said most of you watching this video have a crore or even 10 crore- nahi Sir. Sab ke paas aisa paisa nahi hain. I’m hopeful to get there one day.
Wishing you the best! Since I've become a self-employed person, I have seen wealth miracles done by youngsters (people in their 20s & 30s) which I could only dream of when I was a salaried person.
Where there is a will, there is a way. If you have focus, you can reach it.
Abdul my friend , it takes two things to get there
1.luck (market conditions, life ,health and a lots of other factors that cannot be listed)
2.decipline
While first cannot be controlled. We are left with second that is dicipline- Do just focus on the second.
May you be blessed with all happiness
@@maverick4219 Thank you so much! Your words really hit home. Luck may be out of our control, but discipline is something I can work on every day. I’ll focus on building that and let the rest fall into place. Appreciate the encouragement, and I hope to make strides with this mindset. Wishing you all the best as well!
@@AbdulHakeemcatchabdul Having said about what i commented about dicipline it is also , somewhat controlled by luck to a LARGE extent.
So I hope we are all blessed with all happiness health and wealth.
Shankar sir, the thumbnails of your videos are of top class. Catchy and attractive
Even the videos are very well edited and have graphical depictions to clearly grasp understanding and also with catchy sounds and of course you speaking yourself.
Good job with the video editing.
Is there a professional team behind all of this ?
Just curious to know.
Thank you very much .. I'm glad you like the production values
1. Thumbnails - I make them myself
2. Editing - we do it in two parts
a) I make a 100-120 slide PPT with step-by-step instructions on what to put where (it's time consuming, takes me a day)
b) the freelance editor then puts it together and adds motion, sound & similar effects
Beyond me & the editor, we have a freelance videographer who comes to my home once a fortnight to record 1-2 videos on that day. I still don't own a camera.
I really like your practical approach rather than other influencers khayali pulao approach. Your content is insightful irrespective of the age of the viewer.
Thank you for the kind words 🙌
Very sad to see that you have only about 31k subscribers...... Very well researched video. I have being following you since ET money days. Thank you for your efforts Sir.
I appreciate that! Thank you
I personally believe, in your 20s and part 30s, one should invest in themselves more - time-wise to upskill and money-wise should invest more in mutual funds in order to not lose precious time. As age grows the focus should go towards passive income according to the corpus that you have built.
Only two days 1.2Lakh views .....❤
ShankarNath blockbuster research
Thank you! This is the fastest to 1 lakh video on my channel thus far :)
1 crore to 2 crore took much longer than I expected .. it felt like infinity. I don't know when I will reach 3. Scared of end of bull market 😭
That's the core point of this exercise. The stock market i.e. investment is just 1/7th of the blueprint so being fearful of the bullmarket going away pushes control from your end to something else.
Questions for you to ask yourself --
a) How can I increase my income?
b) What second income can I start generating?
c) How can I save more than the previous month?
d) Where do I lack self-discipline?
e) Is there some tax element I am not making use of?
This likely can be a reason beacuse it is generally at this point to plan to buy a home &/or car and have to pay some lumpsome, while also adding significantly to your expenses. My current savings have gone down to less than 10% from before.
India is at a unique position which can happen only in many centuries. Next 3 decades are our opportunity. If we plan and approach our investments properly, then there is no turning back.
In my opinion, your narration with a hint of humility makes the messaging even powerful. I’d like to believe most viewers of this channel are aware individuals and would already know this blue print fully or partially in some shape. Your style of coupling your own life experiences with such messaging in a way not too overwhelming for the general mob is very impressive. I personally feel intimidated and questioned with similar content produced by other creators. The essence is in making the viewers believe that these steps can also be practised by them which your video does. Good work, really 😊
Thank you very much for your kind appreciation 🙌
Great video Shankar.Loved it
Glad you enjoyed it
Shankar nath = quality videos with trust. Now that’s something more difficult to achieve than 1cr.
Thank you for your vote of confidence 🙌
Response of this video shows that how simply explain this concept to the audience even though this type of content available in social media but people can’t understand…Great work again..thank you and good luck
Thank you very much. Glad you liked it Mukesh ji
Great insights backed by data, as always. Thanks a lot Mr. Shankar.
Most welcome. Glad you liked it
Excellent Sir. Keep going. God bless.
Thanks!
Sir,
You are the best finfluencer on TH-cam.
Please carry on producing such educational videos.
Thank you 🙌
Thanks you Shankar!
Insightful!
My pleasure 🙌
Excellent Sir
Please do videos weekly once so that lot of benefits to the investors
I'll try my best. Thanks for the suggestion
The topic provided valuable insights and motivation, particularly for beginners and young individuals with limited financial knowledge, eager to build their wealth. That's impressive!
Glad you liked it 🙌
Thank you Shankar, after seeing this video, I jave increased my SIP amount
:) .. most welcome .. all the best!
Very powerful advice....thanks.
You are so welcome
Very informative and creative way to demonstrate the investment and achieve goal. Great Work😊
Thanks a lot 😊
Hi Shankar, as always appreciate the effort. Really appreciate you not shying away sharing your net worth to make the content more authentic which I am sure will inspire many if not all to achieve their financial goals.
Thank you very much. I'm glad you found my work useful 🙌
Good Shankar Nath, Thank you
Most welcome
Dear Shankar Sir, I have a long lasting question in my mind. Which platform should i use to invest in mutual fund. I have till now used etmoney and some direct MF investment. What do you suggest and how do you invest. Directly through asset management company app or third party like groww and et money. Hope you answer pls
Hello. I myself use a combination of CAMS, ET Money and AMC websites to invest. Sometime an edge case is not covered by one platform but the other has it. I have not found any particular preference in platform and my transactions have been smooth 99% of the times. I guess there is no preference because I'm not buying mutual funds everyday month. I prefer to setup an SIP or STP and that's it.
Try MF Central
Most sanely advice, delivered most effectively.
Thank you!
Do you have a service where you review Mutual Fund portfolios and see if they align with the investor's goals and provide advice?
I would really appreciate it, because I have a monthly SIP amount of around 5L and I have made a portfolio after much research, could really use an expert's validation / advise. Thank you.
@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ?
I've selected myself a bunch of funds for around 5L per month SIP amount and could use some advise, thanks in advance.
@@shankarnath Do you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ?
I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.
@@shankarnathDo you have a service where you review Mutual Find portfolios of investors and advise if they align with the investor's goals and risk taking ability ?
I have built a portfolio for my 5L monthly SIP, could really use an expert advise. Please help.
Thank you for sharing these financial awareness videos; they are incredibly helpful.
Glad you like them! Appreciate the kind words 🙌
Keep it up Shankar Ji.. Some of the best YT channel following (copying) 😂 your content.. Great excellent presentetion And end to end thinking
Thank you! Glad you like my work
Hey Shankar sir! Big big fan of your videos!
A suggestion for a furure video- Can you a start like weekly or biweekly analysis of a subscriber's portfolio? And see where he/she is doing right and wrong and help him/her for further course if action? A great idea it seems!
Glad you like my work. Thanks for the suggestion
Don't need to apologise for that wonderful language.... we only extract the content 😅
Thx. I've had a lot of practice though. Since I started Youtubing, I would have apologized to thousands -- for some minor error, for delaying a release by 1 day, for YT inserting too many ads, for a defective microphone, for not talking about 1 lousy point in a video where I have spoken 20 relevant ones etc. etc. etc. I've been observing myself -- now I don't even feel sorry when apologizing on TH-cam .. it's become mechanical. But it's helping me the other way .. so when someone appreciates, I feel very happy & inspired
@@shankarnath sir, I see a counsellor in you as well…. Start an another TH-cam channel….!!
Nice explanation sir recently i hit the 1cr savings mark it took me 8 years but i invested my time more on learning than finance initially …so i was able to get half cr gross salary now and started investing aggressively
Many congratulations! Wishing you the best
One of the best video I've seen in my life 👌👍.Many thanks to you only.
Most welcome 😊 Glad you found it useful
Hi Shankar! Very motivating video! I really dream of making that 1 cr sooner. 😊
Thank you, glad you liked it
Always interesting to listen to you-Thanks Shankar
My pleasure! So nice of you 🙌
Sir. As always this video is also very inspiring & knowledgeable... I will try my best to follow atleast few of these to reach 1 crore asap
Thank you very much. I'm glad you found this helpful 🙌 Reaching a crore as early as possible definitely works -- after posting this video, this came up for discussion in a couple of whatsapp group (school friends and b-school alumni). Most people seem to have experienced the same with their own wealth creation
Nice one that everyone needs to listen
Glad you liked it 🙌
nicely explained....my portfolio is a little over 2 cr....and I have seen it growing from 1 to 2 cr in the last 3-4 years (thanks to the bull market)...I have personally experienced the first 25-30% of this journey as explained in your video...although my current business is not doing so great, but this compounding happening in my portfolio gives me a sound sleep and inner peace....
Dear Sir I have been listening to you for a long time. feel blessed.
So nice of you. Many thanks 🙌
Thank you Shankar sir for this video. If possible can you please make a similar video on making 1 crore corpus after paying all taxes considering LTCG will keep on rising as it did by 2.5% this year
Thanks for the suggestion. I'll try but this can also be solved by simply increasing the marker by 14% .. so instead of making 1 crore if one does 1.14 crores then it broadly takes care of the 12.5% LTCG tax.
But if Government increases LTCG to who knows may be 20 or 30% or even more then it will be really difficult to reach even 50 lakhs in 30 to 40 years. So if possible can you please make a video if a situation like this happens
Thanks for the suggestion. Since this is more about predicting the future, pls use the formula = 1 crore divided by (1 minus tax rate) to build out simulations. So if you think the LTCG tax will increase to 30%, then 1 crore divided by (1 minus 0.30) comes to 1.42 crores. Likewise, if LTCG tax rises to 25%, then 1 crore divided by (1 minus 0.25) comes to 1.33 crores .. and so on.
@@shankarnath sir thank you very much. You are one of those few you tubers who reply on every comment
Very much informative. Thanks
Most welcome!
Big fan of your knowledge and content. Although, i feel your wealth is much more than 5 cr today.😂😂
Thank you very much 🙌 True, it's higher when I add real estate, PPF & EPF accumulation but I've referenced this video around my investment account (MF + stock). That's the one I really track & would like to grow over time
Nice video sir. I'm following you since the year you were in ETMoney.
Thank you very much for the support
TH-cam has many videos on this very topic. But this one by far explains it the best
Glad you liked it. Thanks! 🙌
Thanks for another fascinating video.. Like you I too started my investing journey late and made mistakes of buying a 2bhk house and investing primarily in ppf and lic policies. At 41 years now, I am now saving aggressively and diversifying my portfolio into stocks and mutual funds. I love that your videos are so simple but yet put the point across so beautifully. Thanks Shankar ❤
Most welcome!
Shankar, I was discussing the same subject with my wife yesterday and here is the video ❤
Ha ha .. hope your wife was happy to know that your wealth is exploding :) .. wishing you the best
Thanks
Thank you very much Umesh ji for this gratuity and for your appreciation
Simple and valuable. Perfect video 🫡🫡. Here you have a new subscriber
Welcome aboard! 🙌
Is there any semiconductor stocks in Indian market ?
Great video!!
Thanks!
Brilliant and inspirational 🎉
Glad you found it useful 🙌
Hi @shankarnath,
Once you started working, how many years it took you to reach the first mile stone i.e. 1 crore?
As always great content, Loved the transparency part on this video - especially on your TH-cam income!
Thank you 🙌 I started working in 2002, reached 1 crore in my investment account in 2018.
very nice insights sir...
Thank you very much
Excellent advice! I could relate to this a lot
Glad it was helpful! 🙌
Very thank you so much sir... 😊
Most welcome
Very informative video
Thank you
You are really doing great job sir just relieving investor ❤
So nice of you. Thank you 🙌
Your videos are a motivation to earn and save more
Thank you! For as long as I have the ability, capability & motivation to earn actively -- I'll want to do that. The investing can go on parallely
I love most of ur videos Shankar ❤
Thank you very much!
I was thinking about the same.. Will get there sooner
A weekend without your video is like a weAkend ji. Thanks for the video. As usual, supercalifragilisticexpialidocious.
Thank you!
Sir please tell me what will be a good rate of XIRR on our mutual fund portfolio if we are investing through SIP?
Historically, 10Y SIP CAGR on Nifty 50 Index Fund is ~15.5% but we've recently have had a run-up. My suggestion -- if your MF portfolio is purely equity, 14% is a good benchmark to have on SIP performance
Excellent analysis as always. As requested earlier, I would love to see a review of some futuristic sectors, such as data centers, hydrogen, semiconductor, biotechnology, etc. Could you please create a video discussing a few stocks with strong multibagger potential.
Thanks for the suggestion
Very encouraging video, thanks!
Glad it was helpful!
Hi, thank you for this video..just was curious to know what if someone already has that target amount, how to go about investing now in MFs with that money..lumpsum or if sip, how? Pls advice..
This part is covered in many of my videos on the channel, may I request you to spend an hour or so over the weekend and examine a few videos marked under the playlist -- Investing for Beginners and Mutual Fund Strategies
@@shankarnath sure..tq
@Shankar, Can you kindly tell us, how much was your investment during each crore ?
Sorry, I haven't tracked this for each crore but to give you an idea -- the first crore had about 90 lakhs in investment. By the time I reached the 5th crore, this was more like 50:50 i.e. 50% was investment and 50% was capital appreciation. Pls note: my portfolio was more debt & less equity when I started and even now, it's 64% equity & 36% non-equity
Thank you for your reply
Its not a direct related topic, but to expand on your point made in 15:27 , can you please make a video on TH-cam monetization and how smaller channels can make TH-cam work from them as a second income.
Thanks for the suggestion, I'll try
Excellent video..thanks for inputs on passive income sources. It would be great if u could suggest how to go about for earning passive income like u mentioned writing etc .
Thanks! I'll have a separate video on passive income strategies. But as you might be aware, this isn't easy. A lot of upfront work needs to be done like this YT channel in my case. Now, my old videos continue to earn me money every day. For example -- the video I did on "Shameless Cloning". That single video continues to earn me ₹150 every day.
@@shankarnath great sir ..Also can u suggest what is the best combination for reaching goal of 1 crore for wealth creation ..I meant how much small cap, medium and large cap in a span of 5 yrs/ SIP amount for each. Also, whether we need to have a combination of active and passive mutual funds for each or only active can do
5 crore is the new 1cr. Keep hustling till 55. After that everything would be in place. Please select your life partner wisely as your financial journey will also be theirs after in relationship.
One of the best .. thank you 🎉
Glad you like it!
Thank you 🙏
You’re welcome 😊
Hi Shankar, have been a fan of your work since the pandemic. Is there a way we can reach out to you or your team about a possible review of my investment portfolio? For context, I am a professional musician and have been looking at a review with regard to my investments made since 2016. I have been at it alone, and frankly I am very tempted to be a pompous ass and disclose all details here. But, I would really appreciate if you can give your feedback on how I am going (it maybe a paid session too). Please do let me know. Thanks man.
Hello, thank you for your kind words & continued support. I don't do paid 1:1 consultations due to paucity of time on my part. I prefer to educate rather than advice -- and hence, prefering work on 1-to-many models like TH-cam, newsletter etc. Very sorry about this! If my schedule opens up, I'll circle back via a community post
@@shankarnath please do. I can also possibly send some screenshots and a basic overview on mail if it’s that something you can possibly check out. I am pretty confident about my numbers, but a yes or no from you would most definitely push me to work harder. I totally understand if that’s something you’re not comfortable with. Either way, you are at par with Money Guy, Nischa, Minority Mindset, George Kamel and some of the other super hip TH-camrs I follow. Thanks for all the help thus far mate.
thanks sir
Most welcome
I am K.E.D.A.R.N.A.T.H. i wish atleast 50% of ur knowledge comes to me through this TH-cam channel ❤
Exceptional quality🎉❤
Thank you 🙌
Pls need part 2 of this video for ppl who hv reached 1cr and how to invest from there for different age brackets.
Thanks for such Nice, Informative & Motivating video.
And do think about changing your 30K Subscribers wala banner, it's more than 200K now 😅
Thank you. No, I won't change 30k so soon -- because 30k is the newsletter subscribers while the YT channel is at 218k
@@shankarnath Ohh sorry, I misunderstood this for YT subscribers. My bad 😎
Logical, but most of the times consumerism gets in the way, and of course, the unexpected expenditures can raise their head as age advances
I think you read my thoughts 😊on time I get the video
Sir, having a genuine doubt!! Had you investe directly into your mutual funds or through some financial advisors..?? Because putting that chunk of money into an instrument looks too risky.. Thank you
Hello. I invested directly into the mutual funds (no advisor) and learnt along the way. There was not much risk because as a salaried person, the money was being inserted in SIP mode which derisks the model + I was investing for the long-term (had a view of next 20 years)
@@shankarnath Great!! Thanks for the advice…. Now u r my financial advisor since am going to copy you☺️
woww wowwww..wat a wonderful video...any one will b motivated for sure including me..TKS bro
All the best 🙌
Please explain or make video how to explode it from 1cr onwards, i am having hard time figuring out that part!
OK, I'll try to do a video.
Here's what I did -- I continued my SIPs and the markets were kind so that helped. Mathematically in my scenario -- so I had 1 crore by 2019 so that's my lumpsum and say I invest 1.25 lakhs every month so that's my monthly SIP. Assuming the markets grew by 20% between 2020 and 2024 -- so 5 years -- the total corpus would jump up to 4 crores. You can put these numbers here -- www.omnicalculator.com/finance/lumpsum-plus-sip
Congrats Shankar on your journey. This video gives inspiration and confidence.
Question: 30K SIP per month. Is the Corpus generated over the year is same if one invest in 1 or 2 mutual fund vs 5 or 6. Did you fumble initially and how did you put mf investment in right path towards 1 crore destination. I am not asking for mf names. If you could share strategy you followed then we can avoid fumbling and save time in our own journey.
Thank you 🙌 The 30k/mo is an illustration to explain how wealth accumulates over time i.e. 10 crores in 29.5 years at 12% p.a.
With re: your question -- personally, I would have used 5 mutual funds (so 6k each). As you know I don't give out scheme names but please watch my video on "Building a Strong and Successful Investment Portfolio" for an excellent idea on what it might entail. To help out more -- my five 6k SIPs would include:
a) a value-oriented flexicap fund
b) a growth-oriented large & midcap fund
c) a momentum based index fund
d) a trending-value based multicap fund
e) a smallcap fund
This above is my comfort zone
Nice content Shankar🎉
Thank you very much!
Thank you sir
Most welcome!
Good Content. One Query - There is a chart showing 2.5L SIP in 2.8 year will reach 1 Cr. So, after 2.8 years, will the 1 cr compounds in the similar way as shown in the graph (8:43 min)?
Thanks. No, the graph in 08:43 is based on a ₹30,000 monthly SIP compounding at 12% per annum. There are quite a number of calculators available on the internet for calculating own corpus after a few years, kindly use those. Try this one -- edufund.in/calculators
Let me answer your query. The assumption was 30k SIP with 12% return. If you just change the SIP value to 2.5lakh, it will take you between 13-14 years to reach 10 crores.
Hi Shankar,
Great video as usual. Do you also review/provide recommendations on existing MF investment?
Thank you. Sorry, I don't offer 1:1 paid consultations. I'm focussing only on 1-to-many formats like YT and my newsletter
@@shankarnath : Ok. Also wanted to know if you think it makes sense to opt for regular MF via a good MFD? Or only direct plan makes sense?
Do you have any video already on this?
@@aayushjain1845 I don't have a specific video on this but if a person is not comfortable learning/selecting funds by oneself, then better to go through a mutual fund distributor. Once that skill has been built, the investor can opt for the direct plan route.
From 2015 in 3.5 years 10X returns is great. Getting 94% averaged return is great.
I think there is a mismatch here, let me explain again. Nowhere in the video, we are talking about returns or CAGR. Notice, I have said 10 lakhs becomes 1 crore, 1 crore becomes 2 crores, so on & so forth. The jump from 10 lakhs to 1 crore is a function of many things e.g. return on initial investment, additional capital (saving % from income), more capital (annual bonus invested), hike in income, monthly SIPs, return on monthly SIPs etc. It almost never happens that an individual invests once in his/her lifetime and does nothing for the rest of one's life. Since most of us follow a similar pattern i.e. some savings, some money in FD, some LIC policy maturing, income, SIP, reinvesting, second income, taking/repaying debt etc. -- the video takes all those parameters into account.
In my case, the 10 lakh to 1 crore is a mix of three things -- initial capital (10 lakhs), a higher paying job (40% hike), redeeming FDs & ULIP (investing them), reinvesting annual bonus and starting SIP (initially 5k/mo to eventually 60k/mo by 2018). All this helped me get to 1 crore in 36 months from 10 lakhs in Q1 of CY2015.
no one will give such a big explanation..I ve seen many youtube guys never replied anything...lot of respects@@shankarnath
Great Video
Thanks!
@shankarnath Sir make video on inflation, how it is linked to stock market, real estate etc and what should investors do in different scenarios when inflation is high or low
Thanks for the suggestion