How to invest retirement corpus to get a regular income?| Q&A 44 [READ PINNED COMMENT]
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- เผยแพร่เมื่อ 6 ก.ย. 2024
- Investors asked me various questions related to investment and I have answered few selected questions in this video. '
This video is bases on question and answers related to mainly mutual fund asked by my viewers.
This video is for educational and informational purposes only. Viewers should consult their Insurance Advisors/financial advisors/ Tax Consultants before making any investment decisions.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.
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Kindly note that there is an error in calculation of future value after 5 years as Rs. 25,00,000 has been added twice. The total should be read as ₹89,76,179. The objective of the calculation is to tell you that you will have more money than the amount invested initially. Apologies for the negligence.
मैं आपको बताना चाहता हूं कि वीडियो के अंत में excel में पूरी राशि को जोड़ते हुए ₹25,00,000 को दो बार जोड़ दिया गया है। असावधानी के कारण हुई त्रुटि के लिए मुझे खेद है। कुल राशि ₹8976179 पढ़ी जाए। गणना दिखाने का मकसद केवल यह है की 5 साल बाद कुल राशि शुरुवात में निवेश की राशि से अधिक होगी।
Ok sir
Applicable tax as per rules net income se minus karo or net gain batao.
@@sanjaykumarbhati7220 Rs. 40,000 per month ke hisaab se ek saal me 4,80,000 ki income hogi aur ek resident individual ko 5 lakh tak ki income par koi tax pay nahin karna hai. Kuch minus nahin karna hai.
4r
Thanks for your prompt reply
आपका समझाना बहुत ठीक है पसंद आया थैंक्स
Nicely explained. I understand that the 10L in FD is for emergency, so friends please put some money in health insurance otherwise it can eat away 10L for hospital expenses
Senior citizen saving scheme scss limit is now increased from 15 lakhs to 30 lakhs.
Sir very nicely explain. There are different permutations and combinations for investment ( other than FD, MIS, SCSS, PMVVY , NSC , KISAN V P etc). U have shown investment in main TWO categories ( one is for safety of our principal amount and SECOND option to enhance our retired Corpus ). Pl prepare one video for retired persons with options for MFs , Pension funds, pension schemes. Pl.
I suggest Tamilnadu Power Finance Corporate. Five year interest rate is 8 percent with TDS 10 percent . This is 100 perecent safe .
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
th-cam.com/video/kaJQIxbSgtU/w-d-xo.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है, Traders Bar Stock Market
th-cam.com/video/D8ggnXSAMPs/w-d-xo.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
th-cam.com/video/mmsAmajprNA/w-d-xo.html
Very clearly explained but I don't have that much money.
Thanks👌
Sir, thank you, very nicely explained. I request if it is not then please upload vedeo for youngester of 30-35 year's of age, for retirement corpus. This is need of the hour.
No SWP but PWP ( Profit withdrawal plan) is recomended for retirees. Always invest in BAF for a conservative retiree investor. Never invest in equity based fund after retirement.
Baf means what?
@@dhavalthakor6438 BALANCE ADVANTAGE FUND
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
th-cam.com/video/kaJQIxbSgtU/w-d-xo.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है,
th-cam.com/video/D8ggnXSAMPs/w-d-xo.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
th-cam.com/video/mmsAmajprNA/w-d-xo.html
BAF is too risky for a retiree. A conservative hybrid fund is the best. ICICI Regular Savings or Kotak Debt Hybrid are good funds.
@Kanjilal is there is no such plan available in mutual funds in which only profit is credited in your account automatically. And, even if you plan to do it manually then there is a limitation as the profit is not guarenteed and the retiree may face difficulty in managing cashflow if there is no profit in one or more months.
Very nicely explained. I have 40L and would like to invest and from next financial year I may require 25k monthly payment.please suggest. Iam currently 58 years and having no pension.
Comprehensive video for retirement fund allocation. Nicely you have allocated funds in several instuments to ensure capital protection and also to grow moderately
Sir, you have not mentioned about income tax deduction. It would have been more clear, if IT is taken into consideration while calculating the.returns.
Thank you Sir for explaining so nicely....I will surely follow your advice... Thanks a lot...
sirji you are very good financial planner in simple and low risk way. Thanks a ton
Excellent Sir. Your table will be useful to many seniors
बहुत बहुत सुंदर पोर्टफोलियो बनाए पंकज सर❤
Excellent explanation. Very nicely explained. Thank you so much.
छान माहिती दिली धन्यवाद
NICELY EXPLAINED. PLEASE XPLORE WITH MORE INESTMENT INSTRUMENTS WITH HIGHER RETURNS
Sir many people are having less amount like 10 lakhs, 15 lakh or 20 lakh , kindly give guide line for them also please.
Y
Banks like jana bank gives 7.25% interest. Up to 5 lacs deposit money is safe. Use 5 such small banks, 25 lacs will give about 7% return without any risk.
10-12% return can go horribly wrong in equity investment.
Small banks are too risky. Better to stick with large banks although lower interest rate.
Who will manage 5 different bank accounts with annual maintenance charges, pin code, atm card, online netbanking password, passbook. Visiting five different bank branches??
People love to complicate things and make their life miserable.
Keep it simple!
9L may be invested in Po MIS @6.6% annual interest
Thank you Sir for suggesting and managing saving calander 🙏🏻🙏🏻🙏🏻
इंडिया मे inflation rate approx 6% है ।
5 साल के बाद जो बैलेंस बचा interest amount के withdrawal के बाद क्या 80 लाख के बराबर है । इससे कैसे बचा जा सकता है ।
Very Nicely Explanation
Thanks sir , very valuable guidance, so nicely explained.
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
th-cam.com/video/kaJQIxbSgtU/w-d-xo.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है, Traders Bar Stock Market
th-cam.com/video/D8ggnXSAMPs/w-d-xo.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
th-cam.com/video/mmsAmajprNA/w-d-xo.html
Nicely explained in simple words. Regards.
आपका फार्मूला अछ्छा लगा
I like it ❤
जहां रिटायरमेंट 58 साल में है, उस सूरत में सीनियर सिटिजन सेविंग स्कीम का लाभ कैसे मिल सकता है, इस बारे में मार्ग दर्शन करें कृपया।
Nicely explained. Thank you so much 🙏💐⚘
25 lacks in mutual funds is added twice. Total after 5 years will be 90+lacks
Already clarified in the pinned comment.
Bina service byakti scss me jama kar sakta hee ki nehii
Bahut achchhi Jankari di aapne Sir
Explained in very nice way.Thanks. But my quarry is for Sr.Citizen Saving Scheme. My one such scheme is going to mature on 23 March,2023 after completing 5years. If I extend above for 3 years more ,shall I get Income tax rebate of extended period? Thanks
TDS on investment not considered. 10% & 12% ROI on Mutual Fund is on higher side. Consideration of Emergency fund is less & impractical. Large part of funds are blocked in long term & in emergency cases, it is difficult for easy withdrawal except bank investment. Not a practical one, I think.
Income up to Rs. 5 lakh in one financial year for a resident Indian is exempted from tax after applying section 87A of income tax act and we discussed an income of Rs. 40,000 per month only means Rs. 4.80 lakh in a year. So, TDS is not applicable here if form 15H is submitted. Returns on mutual funds are considered on a conservative side. Historically, Mutual funds have performed better then projected here. Money parked in FDs as well as from mutual funds can be withdrawn any time. Also, SCSS account can be closed anytime. Hope this clarifies your doubts. And one advice for you, think twice before you comment. Please remember little knowledge is the dengerous thing.
Very useful information sir thank you
Great example demonstration Pankaj ji, very easy to understand.
Thanks very nicely explained
Bahut achha vichar hai dhanyawad
बहुत अच्छा समझाया
Sir mai 20 yrs ke liye sip 2020 se start kiya hai our girawat pr top-up bhi karta hun.mera portfolio es prakar hai.
1. Parag parikh flexi cap fund 1000
2. Quant active fund. 1000
3. Mirae asset mid cap fund.1000
4. Axis small cap fund.1000
Sir mai 10% har sal amount ko badha raha hun.
Please 🙏 mera portfolio review kare.
Thank u sir 🙏🏻for very important information
Rahul Bhardwaj
Hello sir Namaskaar,🙏🙏
Mera retirement 2050 mein hoga.
Kul service 27 year shesh hai
Maine SIP kar Rakhi Hain last 1 year se.
1-Large & mid cap fun RG -1000
2-Multi cap fund RG - 1000
Please suggest my financial goal
2 crore fund and luxurious house.
Thanks sir, for valuable information
Thanks for your guidance sir
Very nice & best suggestions thanks
Thanks lot. Partly I have got idea about that.
Very well explained 🙏🙏🙏
Thank u information
Very informative video on retirement planning....Keep educating us Pankaj ji.👍 Thanks
Great work sir.
As suggested by you to invest some amount in bonds, so let me know can I invest in bonds which are tradable in secondary market and giving periodic returns of the interest.Please reply.
Bahut Aacha laga thanks
Sir, thank you. Shall I invest in dividend yield stocks earning yield of 15% instead of mutual funds
Thank You for the video sir.
My name is Amit Roy. Can you please make a similar video for people who are say looking to retire early at 45-50 years of age.
If someone has a corpus of 3 Crore at 45 how should he break up his Investments into FD, Govt schemes and SWP to generate inflation adjusted monthly income for years to come.
Current age = 30 & Current monthly Expenses= Rs. 40,000
At 6% inflation , monthly expenses at 45 will be around Rs. 1 lakh.
In that case how will he break up his corpus of Rs. 3 Cr at 45 to generate a monthly income of Rs. 90k - 1 lakh and for years to come with inflation ?
Thank You
Sure Amit. I'll answer your query in a video.
@@pankajmathpal Thank You sir
@@pankajmathpal I will just let you know my thought process -
My name is Amit Roy. I am from Kolkata.
You answered one of my question in a previous video.
My Goal after 15 Years is a corpus of 3-4 crore and for this amount I have mentioned the SIPs I am doing in this video. After 15 years I am looking to invest some of this corpus in SWP schemes and some in FD.
For example, my monthly expenditure now is around Rs. 40,000 which after 15 years will be around Rs. 95000 - 1 Lakh (at 6% Inflation) . From the corpus of 3-4 crore SWP I intend to withdraw around Rs. 2 lakh per month. Within that 1 lakh will be used for monthly expenses and the rest I will reinvest.
I think this way I can manage an early retirement. Is the above a right strategy to go ahead with in mind ?
(I have a Home Loan which is around 10,000 pm month and will be paid by 2030. I don't have any other debt. )
Great knowledge sir !!!
Sir, you have not taken into consideration PO.savings in your examples.
Senior Citizen Savings Scheme has been considered here. PO-MIS is offering only 6.60% per annum interest at present; hence, I didn't find it suitable here. In Floating Rate Savings Bonds or Conservative hybrid funds, you may get a better return in the future but in the case of MIS, rates are locked for 5 years. I don't say your opinion is wrong but I don't see PO-MIS attractive at this point.
01अप्रैल 2023 से सीनियर सिटीजन मे सीमा 30 लाख हो गया है और ब्याज 8.2%की दर 61500 तिमाही मिलता है यह पोस्ट ऑफिस की स्कीम है
Sir thanks.
Very well explained.
How to invest Rs 15/- lacks please inform.
Only will & Discipline can do everythig.
Rightly said.
Grate Knowledge
Thx
Nice and informative video for retired persons.
Good answer. Thanks
Can money in GPF be considered as Debt/Fixed income instrument for the purpose of my portfolio?
very nyc explained for investment .
Very informative video Sir ji🙏
Very nicely explained
Very good information
vvvvvvvvvv gud n practical pl give in detail regarding CORPORATE BONDS
Nice information
Sir I will retire at age of 40 yrs. Can I follow same rules after retirement or plan other way.please suggest me
Very very thanks sirji
Impressed, How to take your Customised advice, from Corpus
Can we use quant absolute mutual funds for SWP?
I am retiring at 65yrs age now.I want 90 lacs to invest in such a way that my money grows & I get at least 60000/monthly .Since rate of interest have changed & PMVVY not available,canyou make a similar vedio related to present financial scenario.
I have great appreciation for your this vedio.Thankyou very much
15 sal l ke liye 25 000 ki sip mutual fund me krna aacha hai ya koi flate kharid kr uski emi dena better hai as a investors plz suggest
Sir, Tex kitna lagega...??
I think LTCG will be applicable on mutual funds
Sir if I have to received 50 L after retirement, how should invest
FD is safe and best without tension Mutual funds are risky based on growth of share market.
Fd are safe but don't beat inflation so your money is devaluation of 1_2% every year. It is good for emergency money. Plus also keep a medical policy so big amt is not wasted
Sir thanks very nice explained
Excellent idea
Sir; Rs 25 lac.is accounted twice when calculared after 5 yrs total funds.because mutual funds were already split.
It's been already clarified in the pinned comment and also mentioned in the title of the video.
Who will help me in Investment in Mumbai ?
समस्या ये है कि इन्सान की हवस कभी पूरी नहीं होती।
Very Good and important informative video. Thanks a lot sir. Please continue this kind of informative video in the commig days.
Excellent advice
Sir retirement age state govt. 58yearsha
In floating rate savings bonds, investment should be lump sum or periodic; your view point
Lump sum
Mei retire ho raha hu October 22 mei kya aap bata sakte Ki retirement befits se mujhe 60-65000 tak paa sakta hu mujhe karib karib 1.00 crore mil sakte he
Moothoot me 5years ka 12 persent hi
Assumption that retirement means senior citizen is wrong
Very good
Valuable video... 🙏
Can one do lumpsum investment in BAF or do sip in staggered way?
Sip is usually best unless markets have fallen very low ... I also have much better easier fully govt guaranteed option for fixed lifetime income, along with growth n emergency
Please also advise on tax treatment for the withdrawals.
Very good information, nice
Fantastic and superb. 👍👌
Corporate Bond koun se lene hain please mention karen sirji.
Kya corporate bond pe bharosa karna sahi hai. Mera principal impact to nahi hoga na.