1. FDs : Low Interest 2. Govt schemes : Low Interest 3. SWP : No guarantee of capital appreciation 4. Annuities: very low return , about 5% only including the effect of the GST of 1.8% on the lumpsum investment. 5. Guaranteed Rate Insurance Plan: Not available for Immediate investment 6. Dividend from stocks : Risky
Go for aggressive hybrid funds and multi asset funds ,and enjoy your retirement and keep three years of your requirements in short term debt funds.Keep on shifting amount from your aggressive or multi asset funds to short term debt funds to replenish the short fall,when market is normal or in bull run ,if market is down ,keep on spendings from debt funds till market recovers.
I think it should be a mixture ideally 50% GRP s ,25% in Post offices, 25% in ETFs so that it can liquidate them as required. ETFs are much cheaper than MFs and more safe as you can choose your index
First, thanks for the video. Rarely ever I see such clarity in investment matters. However, I feel the investment options that you mentioned may be tools in the toolkit, but none of them will entirely satisfy the needs of a returning NRIs. I feel, still a mix of ETFs of corporate bonds and a value ETFs of Dividend paying stocks would be the better option. For weathering the years that would have a bad market, a retiree still needs to maintain some money market investments, that way he/she can simply not touch the money in the ETFs for those tough years. There is risk in everything. Like you said there is still guaranteed loss of value in FD because FD rates are always lesser than the inflation rate. Of course there are disadvantages to this scheme as well… but I feel if one is a bit bold, one can make things work out even better than expected.
Rule No 1. There is no free lunch , investment returns are proportional to your risk taken (better the research and involvement in the investment vehicle, better the probability of profit) . If someone else is doing the research, they will take their share and give you sub inflation returns pre tax and after tax your back to Bank IR Rule No.2 All registered investment advisory services are bound to give you the very safest of options as they don't want legal complications. FD, Govt Bonds,Debt MF is all the advice you'll get , if you insist on equity Nifty ETF at Max (not that Nifty ETF is bad when compared to above) Rule No 3 : if you want to earn money equity markets , with long term perspective and target companies with increasing EPS and sales growth, forget net profit numbers and PE for sure doesn't provide any metric.. Just my 2 bits...
Managing Fixed deposit will also be bothersome if we spread the deposits in several banks just to escape the Five lakhs threshold. Mumbai citizens lost heavily by investing in Punjab Maharashtra Bank
Very well done presentation. Explains in simple terms. Please encourage retirees in India to invest in PSU stocks. The stocks may not appreciate like other blue chips but dividend yield is better than bank deposits. And yes they are very stable mostly debt free companies.
Excellent & exhaustive coverage. Senior citizens can also invest in FAAA or MAAA rated deposits of well established, long standing blue chip NBFC. But there is an element of risk involved that must be taken into consideration. They give higher rate of interest than bank deposits.
Bad luck for NRIS and there childrens we restricted to join some of the Govt best schemes, but we will spend our retirement period in India.This is like a both shape see sharpened 🗡️ Sword. Your video is incredible for us to think and plan for our future inspite of many barriers such as TAX,..... I will choose GUARANTEED INCOME SCHEMES for my retirement plan .
Very well explained. In addition to the six streams of income discussed above, I would also like to mention investing in some good ELSS schemes. It has double benefit - tax benefits as well as likely wealth creation. Your suggestion of income from Dividends is very interesting. Can you do a video on it, with some illustrations and suggestions of good companies.
Very honest opinion about these. Can u please share the names of guranteed income insurance plans that are good and offer high rate of interest, like the one you mentioned pays 7% interest.
I will go for 20% FD in nationalized bank, 20% in co-op society run by state government employees of our department offering about 7% annual roi. 20-30 % in index fund. 10%-15% in ETF. Remaining will put as liquid cash for desposal. As I will be getting monthly pension 50% of last salary plus DA, as applicable, will try to manage monthly expenses from it and will not go for SWP or any annuity, insurance schemes as they charge much towards commissions. All govt schemes are in my opinion more than 5 year terms and difficult to manage spread instruments for a retired person. Very nice points you have covered in this Video. Thanks Sir.
When you have 50% of last salary plus DA as pension, your are one of the rare favvvvvvvvvored people who need not worry in retirement. Why then plan for co-ops etc? Enjoy and put in equity more. 😀
I am super senior citizen of age 90 years. I get Railway sufficient pension. My wife had expired. My 3 children have also retired. I get indoor/outdoor all medical help. I am happy with assured interest/dividend and not a greedy for money. I used to trade in past but after 80 stoppedand encashed all shares and mutual funds. Used to park in Post Office, Banks, mutual fund of assured dividend. I spend at my choice irrespective of price. Interested to know any better advice to be more happy.
Invaluable advice on options for retirement income and advantages/disadvantages. 👌 For returning NRI's who have not done advance retirement planning, govt schemes and the RBI floating rate bonds are a great option (though the tenure is only 7yrs.) If one retires at 60 and generates the required fixed income from any of these 6 schemes, what is the additional corpus one needs to set aside as a cushion against inflation assuming you may live upto 90yrs?
V r the experienced one. Federal bank ageas was cheated us ..too much charges are applicable...different types like mortality .. allocation..administration ..fund management even though there was no fund switching....can't explain ..that much. I am not going to drag the scenario. Final outcome was the capital was not there once it's completed 5 yrs even though there was growth when compared the nav of starting and ending . Our heard earned money the have taken as charges. Anyway the case is under the higher authority. Pls think before joining to fed ageas.
The presentation is useful. I wish to add PPF as another very useful investment opprtunivty with triple exemptions. To-day PPF can be extened to any number of years to save tax under 8o ccc, tax free interest and its one time in a year withdrawal facility can be a energency fund
When one saves money for his or her retirement and invests in various investment plans total loss is heavy because the value of money decreases astoundingly.The value of money is decreasing at a galloping speed.
I have seen some retirement plans on policybaazar which are like pension but also bit of life cover, please do tell me if that is a valid option for nri.
In any case pension/annuity plans are not right choice for retirees. All the plans made for the betterment of the agents and providing company and not for the individuals.
Sir I hv a pension of 75k after commutation.going to retire in this month. I will put 30 lacs in scss, some FD in HDFC BANK some FD in LIC HFL they give 8.5% to employees and more than 10% of total corpus in 3/4 mutual funds . Some liquid cash in hand also . I will hv fair mediclaim cover from office upto 80 yrs .Am I in right track ?
@@subhagashanbhag6878 So,what about investors? In this country middle class does not get social security no pension,will they dare to invest in risky ventures??
@@bhavtosh5328 in the process of transformation.we have Atall pension , NPS etc... but at the samw time india also has to look at improving businesaes. Xost of finance has to be low for innovation.
NPS is the best option for retirement. We can re-balance portfolio by changing asset allocation we can gradually decrease the equity portion when retirement time approaches..
Excellent presentation and advice to all of us. Keep posting. With regard to what our opinion is, I would spread out my investment over several options as suggested by you like post office and bank FDs, PMVVY, SCSS, pension schemes, mutual funds and government bonds of low interest too. If a person has already a reasonably large corpus in mutual funds can they go for SWP upto the limit of capital gains permissible per annum and with the interest from bank and post office FDs start SIP afresh to offset the loss of units by sale using SWP.
In regards to banks. You seem to promote large banks over medium or small banks. The banks that have been shutdown lately would be considered large. The larger banks seem to take more risks. Some of these banks are close to being insolvent. The only reason they aren’t insolvent already is the government bailing them out.
MF income is also taxable with TDS on Rupees as low as 5000 per annum. HDFC BALANCED ADVANTAGE FUND IDCW reduced dividend from 31 paise per unit to 23 paise per unit despite unit price increased from Rs 18 to Rs 33. No income is tax free now by the present government. Annuities are worst giving return as low as below 5% p.a. After paying Rs 1.87 lakhs including service tax for 10 years I got back Rs 1.25 lakhs
Thank you sir for a highly informative presentation. I have one doubt about one of your comments about annuity plans. I think Annuity schemes have surrender options. Can you please confirm?
I am working in Canada. I wanted to know if I can invest in Sip's in India. If I transfer money into my NRO account, will the principle amount get taxed. I am already being taxed here...??😢
Hi sir I am a government employee, in our salary every month 10% of amount deducted for NPS, I have a doubt if share market crashes during our retirement just like corona pandemic did it affects our savings?
Re-balance portfolio. 3 years before the retirement time , move your equity portion to government securities. Ex:- we have 3 options Equity allocation, Corporate bonds allocation, Government bonds allocation. 3 year before the retirement, put E-0%, C-30%, G-70%. So that your retirement corpus is safe.
This is the same problem that many had in USA who were at the cusp of retirement and the pandemic crashed their 401 K retirement fund. Always lessen the risk when you get closer to retirement. Its better to be Dravid instead of Dhoni during retirement.
Hi Sir, 1. Is Guaranteed Return plan taxable? 2. Investment in Government schemes requires additional documentation as in source of funds. 3. What about plans which have floating interest rate as in RBI bonds for a tenor of 7 years. Is it a good option to invest provided all investment vehicles have been used up?
CITI bank is closing NRI operations in India, and transferring customers to Axis bank. Anyone know if Axis is a solid bank, how big is the bank, any chance of going bankrupt. India should do what US did after the great depression, US banks are insured by FDIC, if a bank goes bankrupt, customers don't lose their savings, the limit is very high (250K I think), satisfies majority of the people, can sleep well. Should someone have millions, they can split the amount and use several banks. The bottom line is there is no run on the banks in case of a bank problem. The FDIC moves smoothly money from a bank in trouble to a sound bank. All of these banks are private, not nationalized. Each bank pays FDIC an insurance amount, it is mandatory. Maybe one day India will do the same. People should not have to lose their money and sleep over bank failures.
@@natarajanravi6973 5 lacs insurance is peanuts sir. Horrendous to have a system where our hard earned money goes down the drain just because of some bank scam. India should do a better job with this in my opinion.
1. FDs : Low Interest
2. Govt schemes : Low Interest
3. SWP : No guarantee of capital appreciation
4. Annuities: very low return , about 5% only including the effect of the GST of 1.8% on the lumpsum investment.
5. Guaranteed Rate Insurance Plan: Not available for Immediate investment
6. Dividend from stocks : Risky
basically screwed big time. Cannot beat inflation with 100% guarantee
Are NRIs allowed to participate in the Government schemes?
Go for aggressive hybrid funds and multi asset funds ,and enjoy your retirement and keep three years of your requirements in short term debt funds.Keep on shifting amount from your aggressive or multi asset funds to short term debt funds to replenish the short fall,when market is normal or in bull run ,if market is down ,keep on spendings from debt funds till market recovers.
so nothing is good overall
NRIs are not eligible to apply for Govt schemes like PPF, SCSC, PO MIS etc
@deepthampan9998
Thanks Dr. Bhatt. Keep going strong with such useful financial advice
20% Nifty 50 ETF
20% Gold
20% Mutual Fund
20% Crypto
20% Flexible FD
I think it should be a mixture ideally 50% GRP s ,25% in Post offices, 25% in ETFs so that it can liquidate them as required.
ETFs are much cheaper than MFs and more safe as you can choose your index
First, thanks for the video. Rarely ever I see such clarity in investment matters. However, I feel the investment options that you mentioned may be tools in the toolkit, but none of them will entirely satisfy the needs of a returning NRIs.
I feel, still a mix of ETFs of corporate bonds and a value ETFs of Dividend paying stocks would be the better option.
For weathering the years that would have a bad market, a retiree still needs to maintain some money market investments, that way he/she can simply not touch the money in the ETFs for those tough years.
There is risk in everything. Like you said there is still guaranteed loss of value in FD because FD rates are always lesser than the inflation rate.
Of course there are disadvantages to this scheme as well… but I feel if one is a bit bold, one can make things work out even better than expected.
Rule No 1.
There is no free lunch , investment returns are proportional to your risk taken (better the research and involvement in the investment vehicle, better the probability of profit) . If someone else is doing the research, they will take their share and give you sub inflation returns pre tax and after tax your back to Bank IR
Rule No.2
All registered investment advisory services are bound to give you the very safest of options as they don't want legal complications. FD, Govt Bonds,Debt MF is all the advice you'll get , if you insist on equity Nifty ETF at Max (not that Nifty ETF is bad when compared to above)
Rule No 3 : if you want to earn money equity markets , with long term perspective and target companies with increasing EPS and sales growth, forget net profit numbers and PE for sure doesn't provide any metric..
Just my 2 bits...
Managing Fixed deposit will also be bothersome if we spread the deposits in several banks just to escape the Five lakhs threshold. Mumbai citizens lost heavily by investing in Punjab Maharashtra Bank
Sir
Once again another very informative session 👏 👍. Your presentation is excellent and right on dot for any common man to understand 👍.
Thanks much.
Very well done presentation. Explains in simple terms. Please encourage retirees in India to invest in PSU stocks. The stocks may not appreciate like other blue chips but dividend yield is better than bank deposits. And yes they are very stable mostly debt free companies.
Dividend income is something i am planning for my retirement.
fantastic advice !! excellent .I am able to understand each and every word that you say unlike some financial gurus who use too much jargon..
Excellent & exhaustive coverage. Senior citizens can also invest in FAAA or MAAA rated deposits of well established, long standing blue chip NBFC. But there is an element of risk involved that must be taken into consideration. They give higher rate of interest than bank deposits.
Bad luck for NRIS and there childrens we restricted to join some of the Govt best schemes, but we will spend our retirement period in India.This is like a both shape see sharpened 🗡️ Sword.
Your video is incredible for us to think and plan for our future inspite of many barriers such as TAX,.....
I will choose GUARANTEED INCOME SCHEMES for my retirement plan .
Very well explained. In addition to the six streams of income discussed above, I would also like to mention investing in some good ELSS schemes. It has double benefit - tax benefits as well as likely wealth creation. Your suggestion of income from Dividends is very interesting. Can you do a video on it, with some illustrations and suggestions of good companies.
Very honest opinion about these. Can u please share the names of guranteed income insurance plans that are good and offer high rate of interest, like the one you mentioned pays 7% interest.
Very helpful video....n that devidend linked to retirement planning that great idea
I will go for 20% FD in nationalized bank, 20% in co-op society run by state government employees of our department offering about 7% annual roi. 20-30 % in index fund. 10%-15% in ETF. Remaining will put as liquid cash for desposal. As I will be getting monthly pension 50% of last salary plus DA, as applicable, will try to manage monthly expenses from it and will not go for SWP or any annuity, insurance schemes as they charge much towards commissions. All govt schemes are in my opinion more than 5 year terms and difficult to manage spread instruments for a retired person.
Very nice points you have covered in this Video. Thanks Sir.
When you have 50% of last salary plus DA as pension, your are one of the rare favvvvvvvvvored people who need not worry in retirement. Why then plan for co-ops etc? Enjoy and put in equity more. 😀
I am super senior citizen of age 90 years. I get Railway sufficient pension.
My wife had expired. My 3 children have also retired. I get indoor/outdoor all medical help. I am happy with assured interest/dividend and not a greedy for money. I used to trade in past but after 80 stoppedand encashed all shares and mutual funds. Used to park in Post Office, Banks, mutual fund of assured dividend. I spend at my choice
irrespective of price. Interested to know any better advice to be more happy.
Gr8🙏🙏
Comprehensive coverage in limited time, great.
I have brought recently the tata aia total guarantee income 😊scheme
Invaluable advice on options for retirement income and advantages/disadvantages. 👌
For returning NRI's who have not done advance retirement planning, govt schemes and the RBI floating rate bonds are a great option (though the tenure is only 7yrs.)
If one retires at 60 and generates the required fixed income from any of these 6 schemes, what is the additional corpus one needs to set aside as a cushion against inflation assuming you may live upto 90yrs?
If you retire at 60 and hope to live up to 90 then your 50K monthly expenditure will increase to 160K in the 90th year.
Great Job..Thank you ...very informative and very clear .can you please sugeat some good Guaranty rate insurance plans at present.Thank you
Guaranteed insurance plans may charge heavy amount toward commission
V r the experienced one. Federal bank ageas was cheated us ..too much charges are applicable...different types like mortality .. allocation..administration ..fund management even though there was no fund switching....can't explain ..that much. I am not going to drag the scenario. Final outcome was the capital was not there once it's completed 5 yrs even though there was growth when compared the nav of starting and ending . Our heard earned money the have taken as charges. Anyway the case is under the higher authority. Pls think before joining to fed ageas.
GRP are very transparent from leading houses its a contract which will give you fixed returns
Nothing get free in life
Almost 10% goes as charges..
Mutual fund me invest karo for 15-20 yrs. Then see the magic. All insurance companies investing our money in the market only..
Very well explained. Excellent information. Thanks 👏👏👏👍
Plz speak Urdu/Hindi so that 90% people understand. Your use full speech
The presentation is useful. I wish to add PPF as another very useful investment opprtunivty with triple exemptions. To-day PPF can be extened to any number of years to save tax under 8o ccc, tax free interest and its one time in a year withdrawal facility can be a energency fund
Great presentation indeed
Pl give presentation on investing in crypto,commodities and latest modes of investments please .
Thank you for the suggestions. Will keep these points in mind
Very nicely done. A thorough study of each stream .
No idea about market... Old school thinking in the age of Crypto 😂😂 market me invest karo for long term 15-20 yrs then come back to this channel
Which annuity plans are good and safe sir......and how much percentage we shall keep as per your advice.
Very informative video Sir.
Can you kindly let us know which companies offer guaranteed rate income? LIC?
equity is also good retirement investment
Thank you so much for giving so much clarity on so many things. I will definitely reach out to you in near future. 🙏
Thanks Sir.. like the way telling both advantage and disadvantage of each stream
Very well
Explained. Thanks a lot.
very well explained to a non finance investor, keep up this good work, Guaranteed Insurance Plan is excellent which was not there earlier
Please suggest some USD investment plans available in Indian. Objective is to have a monthly stream of revenue after retirement.
SCSS limit per person now is 30L
When one saves money for his or her retirement and invests in various investment plans total loss is heavy because the value of money decreases astoundingly.The value of money is decreasing at a galloping speed.
PPF is one good tax free avenue to generate interest income. you could have added.
Ppf gives you tax free maturity amoubt . It is not a stream of regular income
@@NRIMoneyClinic we can withdraw on regular basis. after 5 yrs
Then you can use it
Pl tell us what are those guaranteed return insurance plan and company providing them
I have seen some retirement plans on policybaazar which are like pension but also bit of life cover, please do tell me if that is a valid option for nri.
Sir , i ve a lump sum ,after my retirement , to be used for regular monthly income..how do i go abt.
In any case pension/annuity plans are not right choice for retirees. All the plans made for the betterment of the agents and providing company and not for the individuals.
If retired but still an NRI u cannot invest in any government scheme like PMVVY , SCSS etc what to do in this scenario ?
Sir Very good advice but how about the corporate bond interests....are they not a good option?
Sir I hv a pension of 75k after commutation.going to retire in this month. I will put 30 lacs in scss, some FD in HDFC BANK some FD in LIC HFL they give 8.5% to employees and more than 10% of total corpus in 3/4 mutual funds . Some liquid cash in hand also . I will hv fair mediclaim cover from office upto 80 yrs .Am I in right track ?
Thanks so much very well explained
Sir, how do you gauge Yes Bank ? Does it fall among the smaller banks which you are referring at?
At the moment yes ,
Recently in some big companies not mentioning the name they declared dividend but amount not credited to account how can we respond to such scenario?
Valuable information, thank you so much ❤️🥰👍
Very useful information.
This govt has destroyed
FDs.Earlier we were getting
10-12% returns.
How crude? Inflation is under control and lower fD rates help the borrower to build business,...
@@subhagashanbhag6878
So,what about investors?
In this country middle class
does not get social security
no pension,will they dare to
invest in risky ventures??
@@bhavtosh5328 in the process of transformation.we have Atall pension , NPS etc... but at the samw time india also has to look at improving businesaes. Xost of finance has to be low for innovation.
what is that best plan for guaranteed pension scheme that u have come across??
I bought annuity at 6%. Now, interest rate is 7.2% for regular bank deposit
Could you please advice which insurance fund giving 7%
Hello doc, what are your fees? I can’t seem to find it on your website
NPS is the best option for retirement. We can re-balance portfolio by changing asset allocation we can gradually decrease the equity portion when retirement time approaches..
NPS is just a corpus growing plan . It invariably ends with Annuities
Govt schemes...long duration for retired persons
Annuity start early plan for maximum pension then no problem
Excellent presentation and advice to all of us. Keep posting.
With regard to what our opinion is,
I would spread out my investment over several options as suggested by you like post office and bank FDs, PMVVY, SCSS, pension schemes, mutual funds and government bonds of low interest too. If a person has already a reasonably large corpus in mutual funds can they go for SWP upto the limit of capital gains permissible per annum and with the interest from bank and post office FDs start SIP afresh to offset the loss of units by sale using SWP.
Any good SWP options ?
Well explained. Very useful. Thanks
pls make a video on NRI Home Loan process for Salaried/Self Employed
Sure , will work on it
Sir I am a widow I have one son and nobody is there in whole world should I share my financial information with my son or not please advise me.
Thanks for the information.
Excellent inputs loved it
Very useful advice
Which are annuity schemes /plan?
Very much informative
Can we get the link for the SWP advantages and dis-advantages session? i don't find it here.
This man is not in the favour of SIP and SWP.
Excellent postings,,
In regards to banks. You seem to promote large banks over medium or small banks. The banks that have been shutdown lately would be considered large. The larger banks seem to take more risks. Some of these banks are close to being insolvent. The only reason they aren’t insolvent already is the government bailing them out.
Excellent Sir
MF income is also taxable with TDS on Rupees as low as 5000 per annum. HDFC BALANCED ADVANTAGE FUND IDCW reduced dividend from 31 paise per unit to 23 paise per unit despite unit price increased from Rs 18 to Rs 33. No income is tax free now by the present government. Annuities are worst giving return as low as below 5% p.a. After paying Rs 1.87 lakhs including service tax for 10 years I got back Rs 1.25 lakhs
Harsh reality I faced too😢
Really appreciable effort.
Can you please make a detailed video about government plans?
Sure
Interesting analysis, thank you Sir🙏
Nice video.
What are Government schemes please
excellent info shared sir
Thank you sir for a highly informative presentation. I have one doubt about one of your comments about annuity plans. I think Annuity schemes have surrender options. Can you please confirm?
Not really. There could be a exit window in case of Critical Illness.
Thank you dear Sir 🙏🙏
To earn 1 lakh per month, how much capital is required to.invest in annuity?
Very good advice.
Nicely explained,Thank you 🙏
Can you please share the names of some Guaranteed Rate Insurance plans?
This service is only for our clients
Jeevan umang
I am working in Canada. I wanted to know if I can invest in Sip's in India. If I transfer money into my NRO account, will the principle amount get taxed. I am already being taxed here...??😢
Yes NRI's are allowed to invest in SIP's in India using NRO/NRE account. I believe you will be taxed on the returns only.
NRE FD for returning Indians with different passports is also considered for taxation in India ?
Hi sir I am a government employee, in our salary every month 10% of amount deducted for NPS, I have a doubt if share market crashes during our retirement just like corona pandemic did it affects our savings?
Re-balance portfolio. 3 years before the retirement time , move your equity portion to government securities. Ex:- we have 3 options Equity allocation, Corporate bonds allocation, Government bonds allocation. 3 year before the retirement, put E-0%, C-30%, G-70%. So that your retirement corpus is safe.
@@yugandharnalabolu3518 k thank you sir.
This is the same problem that many had in USA who were at the cusp of retirement and the pandemic crashed their 401 K retirement fund. Always lessen the risk when you get closer to retirement. Its better to be Dravid instead of Dhoni during retirement.
Hi Sir, 1. Is Guaranteed Return plan taxable? 2. Investment in Government schemes requires additional documentation as in source of funds.
3. What about plans which have floating interest rate as in RBI bonds for a tenor of 7 years. Is it a good option to invest provided all investment vehicles have been used up?
What about safe company NCD
CITI bank is closing NRI operations in India, and transferring customers to Axis bank. Anyone know if Axis is a solid bank, how big is the bank, any chance of going bankrupt. India should do what US did after the great depression, US banks are insured by FDIC, if a bank goes bankrupt, customers don't lose their savings, the limit is very high (250K I think), satisfies majority of the people, can sleep well. Should someone have millions, they can split the amount and use several banks. The bottom line is there is no run on the banks in case of a bank problem. The FDIC moves smoothly money from a bank in trouble to a sound bank. All of these banks are private, not nationalized. Each bank pays FDIC an insurance amount, it is mandatory. Maybe one day India will do the same. People should not have to lose their money and sleep over bank failures.
CITI bank customer service is excellent, available 24X7, the website is great, too bad they are leaving India.
All investment in banks insured upto rupees 500000
@@natarajanravi6973 5 lacs insurance is peanuts sir. Horrendous to have a system where our hard earned money goes down the drain just because of some bank scam. India should do a better job with this in my opinion.
Well said sir, but which one is best
Pls suggest any one good pension plan to invest now I am 36 now
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Good Video nicely covered.
Excellent
Brilliant
Hello. May I call you for discussing retirement plan. I am in Canada. What is a good time to call you(IST)
Send WhatsApp message on the number shown on the screen
Property for rent , Profit Sharing based Business,
What is the 2001 tax
Bonds are better than fds....