If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. I am not selling any product or service through these videos. None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
A very good solution in this case would be to just increase the retirement age from 38 to 40. Addition of those 2 years would have make a huge difference in the whole planning 😇
जब तक ये फाइनेंशियली फ्री होंगी वो बड़ा हो चुका होगा उसके 4 साल बाद वो कॉलेज में जा चुका होगा वो खुद 17 चीजों में उलझ जायेगा फिर ये घर पर अकेली बैठी रहेगी सारा दिन , इनकी एक्सपेक्टेशन भी बढ़ती जायेगी कि वो भी इनको टाइम दे फिर बात वहीं आयेगी जैसा आमतौर पर देखने को मिलता है मैने तुम्हारे लिए अपने कैरियर तक को sacrifice कर दिया टाइम देने का मतलब किसी के पास रहना नहीं होता
I was looking through the comments... What i feel is, SWP is better option only if the market is good. Imagine like in covid, market crash, you can't withdraw 50k every month and more over you're relaying only this money means its very high risk..!! I can feel that numbers looks great but think practically will that returns be same ??
I do like Ankur Sir because he always teaches us a good lesson about life and financial management Very good job sir Always visit your content and learn lot of can't explain Hats off sir I notice the way you be always excited to know about everything of everyone
Sir, Really curious how this conversation would be with a person from finance background..May be a CA Definitely, That would be great session with lots of leanings 🔥
As a CA aspirant , even though i am not fully qualified i would like to present my 2 cents. Elephant in the room , 5% inflation nahi hota hai , long story short its closer to 7% ish. Next, tax is 12.5% and not 20%. Next , the assumption that when you are under SWP ( 38-60 age whatever) and the market will not go down is idiotic . There will be cycles and she may have to withdraw when the market is way down ( aka lose money as per calcs) Next , where is money for the parents if they need it. Next, kids get very expensive after 17/18 , they need good clothes , eat out , college , laptop etc. Next, Medical expenses which the insurance company only pays a part of. Next and the biggest issue with FIRE ..."HUMAN GREED" there will be some part of the brain that says iphone is only 50k .. lets buy it , it will not impact that much or i may die a year younger who knows. Conclusion:-- the person should aim for FI and then work part time to cushion themselves
With a very respectable note Ashish, there is no relation between a CA and finance, because we personally don't learn any such subjects related to finance, and CFA is a course for that.
Taxes on investments will continue to go up and up in coming years and decades. By 2030 LTCG will be 20%. If these "financial planners" take taxation into calculation then their careers will be over. Treat these as any other stupid TH-cam channel. Don't try to learn too much from them.
@@firstnamelastname5761 Andha hai kya bhai, wo financial planner mein already taxes ko consider kiya hua hai. Don't comment bullshit with very little knowledge. That financial planner was released in one of his recent video and everyone can access it. And it considers everything - be it taxes, inflation etc etc.
Dear IITan @Warikoo sir, Kindly add home renovation cost, painting cost(since you are planning till 85 years)cost to buy refrigerator, TV, water purifier, AC, Geyser, computer, mobile etc. once they reach end of life. Sometimes due to termite problem we might again need to do woodwork or have to buy new almirah on adhoc basis A small 2nd hand car might also be required in future, please add that cost also along with service and fuel cost.
@@akhildattakaranam9798 It is not possible within 50K as per my understanding. Even the cheapest 5 seater sofa is around 40K forget about a decent AC or Refrigerator to be bought within 50K and still be able to manage other expenses. If you take the loan for every household item you will fall into perpetual debt.
@@mohitmiglani541yes you are right. 40k but by delaying for 3 to 4 months and or necessary time and buy the things In fact with this method we can buy the world with this method. Now what happened is all the people are becoming impatient and they need anything instantly. Let's say an iPhone is not needed instantly what you need is a good mobile which is good for communication. But due to so-called prestige we Indians buy everything without even knowing whether it is useful or not. And this mentality leads to poorer poorer and so poorer. Just by delaying the buying idea for three months we have the time to arrange money and at the end of the 3rd month we buy only the things that are very necessary not for the show off and will be saving much more money than any one.
Very random discussion Ankur Cost of Childs education - unknown Cost of health insurance - unknown Cost of living post ten yrs -unknown Cost of sons marriage - unknown Cost of house repair or purchase - unknown SO THIS CALCULATION IS IMPOSSIBLE PLUS RETIREMENT AT 38 when son reaches his teenage she will make her child’s life TRAUMATIC AS TEENS NEED FRIENDS AND SOCIAL LIFE NOT MOMS FULL TIME 😂 BEING REALISTIC 🤪
she can work for more 2yrs and increase her corpus to 1.5cr and start SWP to withdraw 12L per annum and increase with 5% inflaton.. investing for extra 2 years till age 40 will make lot of difference in her corpus
SWP is being played wrongly. Not all funds return 12% each year. There could be multi year flat/negative return years and your expenses cant be flat during those years which will eat up the fund drastically. Please do suggest BUCKET STRATEGY instead of just SWP.
Education inflation in India at present is 11-12 % and so as food inflation at 9-10 %. Moreover markets never give consistent returns, since we are looking for a SWP it will definitely give lesser returns as we are withdrawing consistently from the corpus.
Though i understand her concern to be with her child but being parent of 9 years old myself I wish I could tell her that 0 to 10 yrs are the golden years of any child where he needs you and you can witness his first steps in outside world. Kids get busy by 10 years and spend more time outside home and less with parents. We remain waiting for them and they are into their tight schedules.
सर जो कर रहे हो आप अच्छे कर रहे हो लोगों को अच्छी राय दे रहे हो लेकिन सर मेरी एक सलाह है कि लोगों के चेहरा ना दिखाया जाए, नहीं उनकी पूरी पता पूछा जाए क्योंकि इस आने वाले समय में लोगन प्रति अपराध बढ़ेगा और लोगों की वित्तीय में सब कुछ पता लग रहा है मेरी तो यही गुजारिश है आपसे आप शॉर्ट में नाम पता पूछ सकते हैं और चेहरे पर डॉट भी दिखा सकते हैं धन्यवाद सर
@ankur i suggest you to have a record of aome names from this series and check them if possible after 10 years whether they have achieved the aim or failed on it and if yes then what are the barriers on that
@@evanalbert8979 that's his channel all about.. just like our family/friends.. we know the cold/fever(general) meds., are we docs ? We advise everyone.. right? It just means.. take proper advice from a qualified one., I am just giving you suggestions.. again that is a choice for friends/family
Next Video Recommendation - For good lifestyle and early retirement, how much a person (IT professional) should earn in a job as compared to number of years of experience. Can you please make video on that? So that the people doing job will stay motivated and look forward for next year salary.
I can say 1 thing for sure, Maharashtrian Moms are the best when it comes to plan future goals 😅. Respect to all Moms over the world, you all are best.
Withdrawing 60k per month would mean nothing when she is 85. Ankur mentions that 30 cr when she is 85 would value like 1 cr today. Just imagine what would be the value of 60 k then. I think the excel needs to be modified to add indexation component to the withdrawal part as well. That would give a a more clearer picture
@warikoo hi sir same meri bhi life chal rhi mai gaav se hu maine bhi form bhara par koi response ni aaya but ye dekh kr laga replica hai meri goal ka like mai bhi apne bachho ke shat time bitana chahta hu❤
Hello Ankur Sir, I really appreciate your insights on financial planning and money matters. Could you please provide some guidance on building a financial plan for those of us who don’t have a fixed income? I have been working in the NGO sector for the past 7 years, where income can be unpredictable. This makes it challenging to commit to fixed monthly SIPs, step-up SIPs, or other regular investments. Any advice on managing savings and investments effectively in such a scenario would be really helpful. Thank you --- This comment is concise and directly explains your need. Let me know if you’d like any adjustments!
In this 10 years you live like sadhu. No iphone can buy, no car can buy. no other expensive products also no travelling. Later you live similiar becuase you have limited source. My question is : is this life?
Don't give wrong hopes by assuming inflation as 5 %. The segmental inflation is minimum 10%. And even higher. Consider the inflation in healthcare, education. Just for the sake of excel sheet maths, this will ruin lives of ppl depending on these maths
Segment depends on where you want to spend your money on. After quitting job and being financially free you won't be spending your money in segments which have a higher inflation. So I think it's justified.
@Ankur Sir: You give very nice insights and I love your videos especially the education ones where you tell us about investing concepts. I would request you to please also do a video considering a halal investor. Because there are some of us who cannot buy index funds containing companies involved in war, gambling etc or highly leveraged ones.
Great insights. Got to learn a lot from it. Ankur one last thought from my side. May you please attach the excel file too, it would be very helpful for our financial modeling as well?
Hi Ankur you did not factor in the yearly inflation 50k wont't suffice going forward maybe for few years it might but after some point she has either withdraw more for her expenses... don't know am I making sense here
HELLO SIR, (VIDEO TIME 26:43) QUESTION SIR, HAME OLD SIP WITHDRAWL KARKE NEW SIP 10% BADAKAR START KARNA HOGA YA OLD SIP WAISE HI RAKHKE NEW SIP START KARNA HOGA??
I have a doubt. What does it mean to end an sip after 1 year ? Does it mean u have to redeem the amount ? Because then u will lose compunding value right ? Or Does it mean that continue taht same sip with 10 percent step up ?
he means if that SIP is not giving u good return, then change it. Don't expect that sip will give good amount of return, u may get less than ur principal.
Ankur Ji.. SWP withdrawal pe bhi toh tax lagega short term ya long term..toh uska impact kese bear krege retirement ke time pe.. Is there any way we dont need to pay any tax on SWP. Withdrawal
Hi Sir, Can you please share that retirement plan excel sheet which you have explained in the video or Is it already available in any of your existing videos?
It's related to increasing them by 10%. So in order to increase your SIP by 10%, you'll need to go back to your SIP configurations and quit the old one and make a new one with the increased amount. But if the app that you already use provide this functionality to increase the SIP amount in the same SIP, then you don't need to quit and restart the new one. Just configure the older one.
Hey Ankur, I'd like to discuss my situation in your Money Matters videos. I need some advice on how to systematically pay off my two home loans that I purchased this year. Any feedback would be great. Please advise ?
So sir ... to secure your family... one can go for term insurance and medical insurance... is there any insurance that one should go for..... pls answer.
Swp would grow every year even if you are withdraw the money in every month right ? Then how would it gets finished after her 85 years of age ? May be am wrong or my knowledge is less ,correct me plss .
She is not earning 75k, second thing she is confused completely. Randomly buying shares, mutual funds.. Even not knowing exactly it's 30-35 or 40k 😅 Great!!
Sir ek question tha, archu has invested money in 3 different sip(mutual fund) so if she wants to do swp at the age of 38 then how she can do it? Curious to know it? Or anyone other one please let me know? Will she withdrwal all money from all mutual funds and put it in one nifty 50 ? Or any other way to do it?
Sir please put English subtitles to your videos sir. Subscribers for South can't understand hindi.but most of them understand English that's why please put English subtitles ❤❤
M bhi socha tha retirement k baad ghar bhethu , ghar bhete jayda time milta h ab jhagra hota h wife se bethe bethe bina baat k, isliy kam krte rho or busy rho
![ลองสุ่มไอโฟน 990 โกงมั้ย? [ โกงมั้ยครับ ep.101 ] | DOM](http://i.ytimg.com/vi/bfsWe0j492k/mqdefault.jpg)
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
I am not selling any product or service through these videos.
None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Sir please look at my request, I'm struggling a lot.
Capital tax gain in detail videos how it works
bhai excel excel bahut kehlta hai 😂😂
….awaiting for my turn😊
Mugeri lal ke supne
I need communication skills like ankur... Those hand gestures and clarity of speech is so awesome..
and in addition, you need some excel skills, and marketing skills as well , so you can sell the same excel over and over again :)
@@satyaswaroop6782😂😂
Sir your doing awesome work.. without charging you actually educating people of india about financial planning
Financial freedom may sound like fantasy but Ankur explained it like a practical achievement
A very good solution in this case would be to just increase the retirement age from 38 to 40. Addition of those 2 years would have make a huge difference in the whole planning 😇
YES, I was expecting that Ankur will say this..but he didn't mention it! Maybe because she wanted to work only for 10 more years..
She was my teacher for C++
She was my ex gf 😢
😂@@alinone4576
😅😂@@alinone4576
she is your sister
You have great communication skills and a lovely personality.
I have one advice for Archu pls think about this
Please do one more SIP for Pay TAX (LTCG--12.5%)
Thanks
😂
Pura income sip krne me hi daldo 20 sal bad pata chala world war hua and Russia ne kabja kar liya.
😂😂😂
जब तक ये फाइनेंशियली फ्री होंगी वो बड़ा हो चुका होगा उसके 4 साल बाद वो कॉलेज में जा चुका होगा
वो खुद 17 चीजों में उलझ जायेगा
फिर ये घर पर अकेली बैठी रहेगी सारा दिन , इनकी एक्सपेक्टेशन भी बढ़ती जायेगी कि वो भी इनको टाइम दे
फिर बात वहीं आयेगी जैसा आमतौर पर देखने को मिलता है
मैने तुम्हारे लिए अपने कैरियर तक को sacrifice कर दिया
टाइम देने का मतलब किसी के पास रहना नहीं होता
Very honest @ankur sir
Jo v kahete hai woh bilkul valid hai sir
Please take taxes also in consideration while calculating financial freedom
Ankur, the smile with yout explain things is like super pleasing.. Keep up the good work!
I was looking through the comments... What i feel is, SWP is better option only if the market is good. Imagine like in covid, market crash, you can't withdraw 50k every month and more over you're relaying only this money means its very high risk..!! I can feel that numbers looks great but think practically will that returns be same ??
I do like Ankur Sir because he always teaches us a good lesson about life and financial management
Very good job sir
Always visit your content and learn lot of can't explain
Hats off sir
I notice the way you be always excited to know about everything of everyone
Sir, Really curious how this conversation would be with a person from finance background..May be a CA
Definitely, That would be great session with lots of leanings 🔥
As a CA aspirant , even though i am not fully qualified i would like to present my 2 cents.
Elephant in the room , 5% inflation nahi hota hai , long story short its closer to 7% ish.
Next, tax is 12.5% and not 20%.
Next , the assumption that when you are under SWP ( 38-60 age whatever) and the market will not go down is idiotic . There will be cycles and she may have to withdraw when the market is way down ( aka lose money as per calcs)
Next , where is money for the parents if they need it.
Next, kids get very expensive after 17/18 , they need good clothes , eat out , college , laptop etc.
Next, Medical expenses which the insurance company only pays a part of.
Next and the biggest issue with FIRE ..."HUMAN GREED" there will be some part of the brain that says iphone is only 50k .. lets buy it , it will not impact that much or i may die a year younger who knows.
Conclusion:-- the person should aim for FI and then work part time to cushion themselves
With a very respectable note Ashish, there is no relation between a CA and finance, because we personally don't learn any such subjects related to finance, and CFA is a course for that.
No body calculate the taxes and expenses on sip. Pls tell the amount after all deductions. Explain the expenses on regular and direct sip
Taxes on investments will continue to go up and up in coming years and decades.
By 2030 LTCG will be 20%.
If these "financial planners" take taxation into calculation then their careers will be over.
Treat these as any other stupid TH-cam channel.
Don't try to learn too much from them.
@@firstnamelastname5761 Andha hai kya bhai, wo financial planner mein already taxes ko consider kiya hua hai. Don't comment bullshit with very little knowledge. That financial planner was released in one of his recent video and everyone can access it. And it considers everything - be it taxes, inflation etc etc.
@@firstnamelastname5761by 2030 income taxes are also expected to increase by 10% so by your logic it mean that people should stop earning as well
Aysa karega toh video ka thrille kaise rahega bhai 😂
@@firstnamelastname5761 right..., SIP won't give good return,
Dear IITan @Warikoo sir,
Kindly add home renovation cost, painting cost(since you are planning till 85 years)cost to buy refrigerator, TV, water purifier, AC, Geyser, computer, mobile etc. once they reach end of life.
Sometimes due to termite problem we might again need to do woodwork or have to buy new almirah on adhoc basis
A small 2nd hand car might also be required in future, please add that cost also along with service and fuel cost.
These are wants that means these may be handled with 50k per month todayss salary.😊
@@akhildattakaranam9798 It is not possible within 50K as per my understanding. Even the cheapest 5 seater sofa is around 40K forget about a decent AC or Refrigerator to be bought within 50K and still be able to manage other expenses. If you take the loan for every household item you will fall into perpetual debt.
@@mohitmiglani541yes you are right. 40k but by delaying for 3 to 4 months and or necessary time and buy the things
In fact with this method we can buy the world with this method.
Now what happened is all the people are becoming impatient and they need anything instantly. Let's say an iPhone is not needed instantly what you need is a good mobile which is good for communication. But due to so-called prestige we Indians buy everything without even knowing whether it is useful or not.
And this mentality leads to poorer poorer and so poorer.
Just by delaying the buying idea for three months we have the time to arrange money and at the end of the 3rd month we buy only the things that are very necessary not for the show off and will be saving much more money than any one.
Yu missed the point...she is staying with her parents without paying rent. So they will take care ofnall three things
Very random discussion Ankur
Cost of Childs education - unknown
Cost of health insurance - unknown
Cost of living post ten yrs -unknown
Cost of sons marriage - unknown
Cost of house repair or purchase - unknown
SO THIS CALCULATION IS IMPOSSIBLE PLUS RETIREMENT AT 38 when son reaches his teenage she will make her child’s life TRAUMATIC AS TEENS NEED FRIENDS AND SOCIAL LIFE NOT MOMS FULL TIME 😂
BEING REALISTIC 🤪
Very poor take
@@warikoo ? I also thought same sir she have to pay tax also when she will withdraw
@@warikoo are saying poor take for invictus ? or for that girl ? please i am confused ?
@@pulkitagarwal1210 I think taxes are already taken care of in that excel sheet.
@@rahulbhardwaj3786 Should be for invictus.
she can work for more 2yrs and increase her corpus to 1.5cr and start SWP to withdraw 12L per annum and increase with 5% inflaton.. investing for extra 2 years till age 40 will make lot of difference in her corpus
she look very simple but I feel she is very intelligent I feel....
SWP is being played wrongly. Not all funds return 12% each year. There could be multi year flat/negative return years and your expenses cant be flat during those years which will eat up the fund drastically. Please do suggest BUCKET STRATEGY instead of just SWP.
Education inflation in India at present is 11-12 % and so as food inflation at 9-10 %. Moreover markets never give consistent returns, since we are looking for a SWP it will definitely give lesser returns as we are withdrawing consistently from the corpus.
Though i understand her concern to be with her child but being parent of 9 years old myself I wish I could tell her that 0 to 10 yrs are the golden years of any child where he needs you and you can witness his first steps in outside world. Kids get busy by 10 years and spend more time outside home and less with parents. We remain waiting for them and they are into their tight schedules.
सर जो कर रहे हो आप अच्छे कर रहे हो लोगों को अच्छी राय दे रहे हो लेकिन सर मेरी एक सलाह है कि लोगों के चेहरा ना दिखाया जाए, नहीं उनकी पूरी पता पूछा जाए क्योंकि इस आने वाले समय में लोगन प्रति अपराध बढ़ेगा और लोगों की वित्तीय में सब कुछ पता लग रहा है मेरी तो यही गुजारिश है आपसे आप शॉर्ट में नाम पता पूछ सकते हैं और चेहरे पर डॉट भी दिखा सकते हैं धन्यवाद सर
Sir apko pata nahi hai, ki ap Kitne middle class family ko help kar rahe ho 🥺😊 May Allah bless you sir 🙏🏻🙏🏻 Allah apko acchi health aur khusiya deh.😊
Pura investments insecure me kiye hai, kuch secure Wale bhi krne chahiye like PPF, LIC, etc.
Sir, please do share that early retirement excel sheet in your description. Thank you for the informative video!!!!
Well planned Ankur . Really you are philanthropist .
Is type ka babasir se dur raji . There is no concept of financial freedom . Financial need ka koi end nehi
Bahut bdhiya suggetion ....Hr working female ko aisi investmnt bahut bahut jaruri hai❤ chahe wo Kitna bhi kma rahi ho 🎉
@ankur i suggest you to have a record of aome names from this series and check them if possible after 10 years whether they have achieved the aim or failed on it and if yes then what are the barriers on that
This calculation suits to us exactly, Please share the sheet with us as well.
Great mom, respect 🙏
Ankur warikoo is like...meh ek doctor nahi hu, meh mbbs nahi padha hu, phir bhi meh aapka surgery karunga with my experience 😂😂
Bhai..At least he has the courage to say that.. there are people without qualification.. they just criticize others
I don't love him.. doesn't mean I hate him.. I just watch him for case study or other stuff
Saying that I am not qualified but still will give you advice makes no sense.
@@evanalbert8979 that's his channel all about.. just like our family/friends.. we know the cold/fever(general) meds., are we docs ? We advise everyone.. right?
It just means.. take proper advice from a qualified one., I am just giving you suggestions.. again that is a choice for friends/family
😂
How it is possible ?
40% in large cap and 40% in mid cap and 40% small cap
Next Video Recommendation - For good lifestyle and early retirement, how much a person (IT professional) should earn in a job as compared to number of years of experience. Can you please make video on that? So that the people doing job will stay motivated and look forward for next year salary.
We sre greatful sir for this knowledge... Very helpful and brainstorming.
Regards
Puchasi saal me paisa khatam...warikoo sir ka expression is awesome
I can say 1 thing for sure, Maharashtrian Moms are the best when it comes to plan future goals 😅. Respect to all Moms over the world, you all are best.
What nonsense! Mom is a mom whether from Maharashtra or Andhra or Gujarat or Delhi
@@manojsuri007 Yes, sir, please read the next comment 😀
@@theredbaron28 damage was done in the first part of the sentence it itself. No damage control can cover in the next one 😃
Why only Andhra or Delhi ??? 😡😡😡😡😡 What about my Phillipines mom?@@manojsuri007
Watching this video without money
Withdrawing 60k per month would mean nothing when she is 85. Ankur mentions that 30 cr when she is 85 would value like 1 cr today. Just imagine what would be the value of 60 k then. I think the excel needs to be modified to add indexation component to the withdrawal part as well. That would give a a more clearer picture
@warikoo hi sir same meri bhi life chal rhi mai gaav se hu maine bhi form bhara par koi response ni aaya but ye dekh kr laga replica hai meri goal ka like mai bhi apne bachho ke shat time bitana chahta hu❤
Sir aapne sikhaya hai sapna dekhna possible hai 😇
Nice video Ankur
अंकुर जी हम भी आप ही की उम के है लगभग ५३. बस आप फ्रीडम हो और हम शुरुआत कर रह है १० साल का समय है
Hello Ankur Sir,
I really appreciate your insights on financial planning and money matters.
Could you please provide some guidance on building a financial plan for those of us who don’t have a fixed income?
I have been working in the NGO sector for the past 7 years, where income can be unpredictable. This makes it challenging to commit to fixed monthly SIPs, step-up SIPs, or other regular investments.
Any advice on managing savings and investments effectively in such a scenario would be really helpful.
Thank you
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This comment is concise and directly explains your need. Let me know if you’d like any adjustments!
In this 10 years you live like sadhu. No iphone can buy, no car can buy. no other expensive products also no travelling. Later you live similiar becuase you have limited source.
My question is : is this life?
After 10 years 50 k mai ghar chalana is quite difficult,
wo aaj ke 50k hain bhai, Isiliye bolte hain nasha karke video nahi dekhna chahiye
@@Funnystory50 exactly impossible hoga yes
last 10yrs k pehle v 50k bohot kuch tha. next 50yrs me v 50k kafi kuch hoga
do add inflation 5% every year..
Depends on Your Needs😂
Sir aapke video bahut acha laga raha hai thank you sir😊
Don't give wrong hopes by assuming inflation as 5 %. The segmental inflation is minimum 10%. And even higher. Consider the inflation in healthcare, education. Just for the sake of excel sheet maths, this will ruin lives of ppl depending on these maths
Segment depends on where you want to spend your money on. After quitting job and being financially free you won't be spending your money in segments which have a higher inflation. So I think it's justified.
She looks like a 15 year old kid 🙆
😂😂😂
In ur dreams 😂
@@mustakinsk1453 and a confused mentally unstable too
Bro she is using snap filter😂
😅😅😅
@Ankur Sir: You give very nice insights and I love your videos especially the education ones where you tell us about investing concepts.
I would request you to please also do a video considering a halal investor. Because there are some of us who cannot buy index funds containing companies involved in war, gambling etc or highly leveraged ones.
You are the best sir.. Respect karte hai ❤❤
What about negative swp? Please make them know consequences it’s hard earned money.hope u get my point
38 उम्र की जगह अगर 40 तक काम करना संभव हो तो आगे की journey और आसान हो जाएगी😊
Great insights. Got to learn a lot from it.
Ankur one last thought from my side.
May you please attach the excel file too, it would be very helpful for our financial modeling as well?
30cr will worth 1 crore whereas expense will remain 50k per month😵💫
Behtareen sir g
Hi Ankur you did not factor in the yearly inflation 50k wont't suffice going forward maybe for few years it might but after some point she has either withdraw more for her expenses... don't know am I making sense here
Did u include the 12.5% we have to pay to nirmala sitaraman for long term gain?🤨
😅😅😅😅😅
May be higher that time
85 years tk jinda kuan rahega, expectation deliberation 🫡🫡
Great video sir!!!
So she is divorced and staying with parents home and now want to invest.?
Behind her there is a successful man that's why she is investing
HELLO SIR, (VIDEO TIME 26:43) QUESTION SIR, HAME OLD SIP WITHDRAWL KARKE NEW SIP 10% BADAKAR START KARNA HOGA YA OLD SIP WAISE HI RAKHKE NEW SIP START KARNA HOGA??
Old wala waise he rahega new uske bad start karoge tabhi to compounding Kam karega n usme 😊
We can modify the existing sip amt in the same fund
12%, 15%, and 18% returns for the next 57 years consistently look unrealistic.
I have a doubt. What does it mean to end an sip after 1 year ? Does it mean u have to redeem the amount ?
Because then u will lose compunding value right ?
Or
Does it mean that continue taht same sip with 10 percent step up ?
he means if that SIP is not giving u good return, then change it. Don't expect that sip will give good amount of return, u may get less than ur principal.
Thank you sir ❤❤❤
Ankur Ji.. SWP withdrawal pe bhi toh tax lagega short term ya long term..toh uska impact kese bear krege retirement ke time pe.. Is there any way we dont need to pay any tax on SWP. Withdrawal
share market is down since 1st October . will sip provide so much return after a very long time . i dont think so .
my SIP is now in negative, so no gurantee of profit. u may get less then ur investment amount, forget about profit.
Fd best or do option trading
I wish Mr ankur wariqu ab tak financial freedom achieve kar liya hota... Ye vdos dekhni nai padti 😂
Excellent
Great content, 🎉🎉🎉🎉🎉
@warikoo , did you consider that SIP will stop in 10 years when she retires? Still she will have 30 crores at age of 85?
Hi Sir,
Can you please share that retirement plan excel sheet which you have explained in the video or Is it already available in any of your existing videos?
Sir please explain what is the logic behind quiting every sip after 1 year and start new one.
It's related to increasing them by 10%. So in order to increase your SIP by 10%, you'll need to go back to your SIP configurations and quit the old one and make a new one with the increased amount. But if the app that you already use provide this functionality to increase the SIP amount in the same SIP, then you don't need to quit and restart the new one. Just configure the older one.
Hey Ankur, I'd like to discuss my situation in your Money Matters videos. I need some advice on how to systematically pay off my two home loans that I purchased this year. Any feedback would be great. Please advise ?
WHAT IF WAR OR ANY MAJOR INCIDENT LIKE COVID HAPPENS IN SUCH LONG TIME FRAME 🖤🛑
Sorry to say but quite error and misleading this time as 60k today but calculated same amount after 10 years 😂
सर मेरा एक सवाल था मान लीजिये मैने अलग अलग
3-4 चार म्यूच्यूल फंड लिया और बाद मे वह
मिलाकर कॉर्पस एक करोड़ हो गया तब मै
SWP किस फंड से करूंगा।
Pehle ek karod bana lo. Baki baad me sochna
So sir ... to secure your family... one can go for term insurance and medical insurance... is there any insurance that one should go for..... pls answer.
Great Sir please share this sheet. or how can get this sheet because this scenario also meet with me
Swp would grow every year even if you are withdraw the money in every month right ? Then how would it gets finished after her 85 years of age ? May be am wrong or my knowledge is less ,correct me plss .
When u withdraw more than 1 lac profit in one financial yr ...12.5% tax 2b deducted....that u have not included sir
Namaskar, 🙏 I am eagerly awaiting your new video. Your insights and expertise are truly inspiring.🙏🙏🙏
She is not earning 75k, second thing she is confused completely. Randomly buying shares, mutual funds..
Even not knowing exactly it's 30-35 or 40k 😅
Great!!
Hello @warikoo sir , could you please share the excel sheet?
Review My portfolio
1. Quant small cap -2.5k
2. Motilal Oswal midcap fund -2.5k
3. Jm flexicap - 2.5k
4. ICICI PRUDENTIAL BLUECHIP FUND -2.5K
Sir ek question tha, archu has invested money in 3 different sip(mutual fund) so if she wants to do swp at the age of 38 then how she can do it? Curious to know it? Or anyone other one please let me know?
Will she withdrwal all money from all mutual funds and put it in one nifty 50 ? Or any other way to do it?
10 sal ke bad sab funds se jo total Paisa hoga usse
Exactly, I was thinking the same
What is the difference between step up SIP n you said as new SIP with 10% increase!that amount can be chosen for step up SIP
Nice video..can you share this excel sheet? 😊
Sir please put English subtitles to your videos sir. Subscribers for South can't understand hindi.but most of them understand English that's why please put English subtitles ❤❤
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What about the tax implications regarding switching from SIP to SWP?
Bechara warikooo khud 40 years me retire nhi kr paya h
Make a video on sequence of return
M bhi socha tha retirement k baad ghar bhethu , ghar bhete jayda time milta h ab jhagra hota h wife se bethe bethe bina baat k, isliy kam krte rho or busy rho
Sir plz ek video esi advice hum soilder ko de dete toh bhaut help hogi
Yaar expense hai hi nahi iske. Bs saving hi kr rhi 😂
Utilities, Transportation, Travel, Entertainment, Upskill kuchh count hi nahi kiya
Good ❤
Sir ,
I have a question what would be if , she continue her job till 41?? Then how many rupees will left on her bank after 85