you can do excel sheet, but problems with the model: 1. Inflation not accounted on the monthly expenses post retirement, it should also increase, so 84,000 monthly would not remain constant over the years 2. no Account for life goals - child's education and one home for old age, let alone a car or marriage Account these things, and you'll realise it cannot be done with small SIP of 10,000 (15% up every year) only with 12% return
Bhai thora upar niche hoga tum log apne hisab se adjust karo kitna invest karna hai video ka main topic investing he tum log excel sheet ke piche par gye
Sip is a blessing for new investors. During my college days, I started with 500 per month sip in a small cap fund before Covid. My returns in the funds were almost 80% in 2.5 years time. Don’t underestimate the power of compounding!
@@rishabagarwal5292 so do nothing sleep with your money let it depreciate why we always complain about every thing if money is growing by investing then what's the issue
9:36 You can correct me if I'm wrong, but what people are saying about becoming rich on an Excel sheet is certainly true. You have factored in the inflation rate and incriment rate in your calculation, which is great. However, when looked at practically, a person who lives to 85 won't just spend their entire savings on limited monthly expenses. There will be various points in their life where they'll have to spend a significant amount of money: buying a house, a car, weddings, children's weddings, etc. So, no matter where they invest, they may not have the amount of money you anticipated when they retire.
Exactly u need to set aside a good amount of money to invest and don't touch that amount for a good amount of time to make it. Bolna aur sochna bahut easy karna bahut tough hai
Also, post-retirement inflation is not factored into the equation. So, even if the individual accumulates the expected wealth under unrealistic circumstances, it may not suffice for them to sustain their lifestyle throughout their lifetime.
I have been very skeptical of Prakhar in the past. But, few videos of Prakhar have had a deep impact on me. And, one such was the philsophy of fight club. It is great to see his content coming back in the game. Good luck, mate.
It was 2014 when i met CA Neeraj Arora sir who gave us beautiful mantras for life during GMCS. Main ca nhi bani but unki learning aaj bhi meri life ke mantras hai. He made me little extrovert from a introvert person. Thank you sir
22-26 tak meri average salary 27-28 k per month rahi woh bhi out of hometown. Savings karna challenging ho jaata hai sach mein. 26 ki age mein hometown mein 42k in hand milne lage the and I was able to save 35-37k a month. Uske baad se confidence bada aur financial independence ki taraf badne laga.
@@amoghpujari99 bhai IT mein hi hu shuru se. Majboori switch kara deti hai. Pado and keep trying for switch, ho jayega. 10 saal IT mein rehne ke baad bhi underpaid hu lekin zindagi chal rahi hai theek thaak
I came here after watching reel on instagram,I can say that every single second of this podcast was worth it.I gain very much about MOney from this Podcast. THANK YOU Prakhar Bhai.
I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multimillionaires.I pray that anyone who reads this will be successful in life❤❤❤
I'm really surprised Mrs Melissa Ann Long is being mentioned here. I initially started off with 7k euros last year and now my portfolio is worth over additional thousands
😂😂 yup well organised scam, just read like story, somehow same story they paste as reply, is it AI bro or what it is ?? Or AI with no brain 🧠, copying same story in comments and replies of comments 😂
*It's always an honor to have you here as a mentor, I learn a lot watching your videos and it has encouraged me in making decisions about my finances that changed my life. Imagine my initial startup budget of $2,500 gave me the profit of $10,500 in just four days. I must say that working with Caitlin Jeffrey is the best*
So surprised someone mentioned Caitlin Jeffrey. Imagine my $3k turned $12,400. Anyone who is not investing is missing a huge opportunity. I advise newbies and busy investors to seek her guidance.
Sir, That is the great reply. Nobody is thinking of the Taxes..After all deduction can anyone say the Calculated amount will be sufficient which is mentioned in the Video. SIP Investment is good it is far better than the Savings account Interest but truth is Your lifestyle will be better from your current lifestyle. But if you are thinking these huge calculated figures will make you super Rich it will a Dream only .
@@DheerajSingh-us9nj मतलब सिर्फ गिने चुने लोग ही ऐसे इनवेस्ट प्लान कर सकते हैं क्यूंकि गवर्नमेंट जॉब में कुल आबादी का सिर्फ गिने चुने लोग ही जा सकते हैं 😅
Prakhar Bhaiya videos like these candid pratical questions and their reasonably true answers .... these talks Let go my anxiety of being financially responsible and trying finding ways....
I am a big fan and follower of CA Neraj Arora sir. Because of him I watch the ful podcast. His explanation skill are at the top. Love you Sir. I am also your student Sir.😊
Bhai, Average earning family abhi bhi below average life jee rahi hai....High Tax, High Education Fees, High Loans Rates, High Cost of Living....Aapki geniune advise innocent logo ki help kar sakta hai tho bahut acha hai....Thank You....
@@PraveenPandeyOfficialbest midcap finds dekhlo aap, aur top 3 me sip kardo equally. Around 15+ percent cagr mil hi jayega. Investing se pahle research kar lena.
20 saal mein 3cr ki value kam ho jaayegi Sip kitni ki daalo - jitne ki daal sakte ho daalte jao aankh bandh karke everyones situation is different Sip daalo main index funds for nifty, bank nifty, nifty next 50, etc dont go for other fund manager vaale mf
@@PraveenPandeyOfficial 10,000 SIP in quant small cap direct growth. It's a very risky fund but within 15 years 3cr paar ho jayega. Suggestion to do your own analysis before investing 😇
But problem hi ki 25 sall me bhe paise lagenge na … its not like ki invest krenge and 25 sall tk paiso ki jarurat hi nhi pdehi …. Toh un kharcho ka kya???
miscalculations in numbers shown at 13:20. 1.inflation will not be there after the age of 50,i.e.age of retirement .thus the monthly expenses at the age of retirement (50 years) will remain same through balance life of 85 years ( balance 35 years)..... 2.even if assumed point 1 holds correct.. monthly exp = 82182 yearly exp =82182*12=9,86,180,assuming the invested funds yielding ROI @ 6% ( as given) ,required corpus=9,86,120/6%=164,36,340 as against mentioned amount of 1,44,13,046,diff of 20,23,294 (under statement of 12.31% on 1,64,36,340).... 3.Also the number of 1,44,13,046 is changing when "future value if required" is changed...whereas later has nothing to do with this calculated amount... how you will address above points..????
Sir I have queries Related 85 year of SIP 1 rupee every month but inflation rate also impact after 85 years 1.24 cr value will be 32000 only as per inflation Rate change
Real answer is sir has been teaching actual income come from teaching at mass scale in every 6 months foundation passed students come for admission Let's say 1000 in every 6 months take classes from sir 2000 in an year Lets say average fees is 20,000 some students take all subjects some take selective subject 2000× 20,000= 😂😂😂😂😂😂😂😂
Nothing new was said in this podcast that was not said in PKP 2020 episode 1 with Neeraj Arora or in Dostcast. But Neeraj Arora is always a delight to hear.
What an Inspirational video Sir..Thank you very much for inspiring narrow minded people who thinks like " aaisa thodina hota hai ".. Thank you very much.. Eagerly Waiting for second video Sir⭐
In my humble opinion the calculation shown at 11:27 min of video is done wrong because "Real rate of return is missed" means ((1.08/1.06)-1)/12... and this should be used because you need to use discounting rate adjusted to inflation .. here in the example given inflation is 8% which is more than 6%(discounting rate).. so all calculation is flawed... Please correct me if I am wrong. As per my calculation the amount needed is 2crore 20lakh eighteen thousand 4hundredand ninteen. When Inflation is8% and Discounting is 9% Monthly expense today ₹ 12.000 Number of years left to retirement 25 Inflation rate 8,00% At the time of retirement monthly expense will be (FV: Future value) ₹ 82.182 Remaining life after retirement 25 Discounting rate 9,00% Real Rate of return 0,0772% Future value if required 0 Amount required at the time of retirement to get monhtly expense from remaining life span ₹ 22.018.419
bhai ek hi request hai audio matters in podcast so invest on them please ye baat pata nahi kyu most of the podcaster ko bolna padta hai aur mera mtlb ye hai sound clear hona chahiye ek ka volume high hai ek ki low, sala kano ka band baza hua hai
its a coincidence maybe but you mentioned bhiwani and i am from bhiwani and my CA Inter exam just ended today and i am here listening to OGs. Brilliant Episode ❤
Prakher, I would like to express my gratitude for your insightful videos, through which I have gained valuable knowledge, both from your content and from the wisdom shared by the Neeraj Arora Sir."
A suggestion for non Hindi speakers - it would be great to have english subtitles included in the vid to make it more inclusive to a general audience. I happened to come across Warikoo's video which has this included and helped me follow his Hindi content. Thanks guys!
A person whose age is 25 And he earns 30k months If he invested 10k month in sip he usually get 19%p.a If he invest continuosly for 15 year he would have 1.02crore And his age will be 40 After that if he would like to invest in fixed deposit he would get monthly 60k. His whole video explained And if you take risk then it will pay you
Broo.... This is my kind of a video And i have searched all over the web i don't found any of the channels that make videos like that... I mean in hindi, and yeah Alex hormozi is lit 💯 Keep it up brother
Bro a person who is earning 25k a month will easily have a monthly expenditure of 18 to 20 k . It is not just about own expense but ghar pe bhi to paisa bhejega aur agar ghar ke bahar reheke naukri karega to uska bhi to kharcha hoga.
12k monthly expense....on 25k sal...? Where the hell are living? In India or on Mars...are you alien..? Do you have any idea on Rent, Petrol pricing, tel ke daam...
I have a doubt in the calculation, as Neeraj sir has calculated 82k will come as monthly cash flow after he turns up 50 then for next 35 years inflation will also work hence these 82k will not hold same worth when he will be 50. Please correct me if I'm wrong.
Look I love the content both of them put out. Neeraj sir is my audit mentor and Prakhar is my mental well-being mentor. But I don't wanna go through with the whole podcast clip if I'm not given a sure shot answer to the questions. Anyone can tell me things by talking around the bush. That's not what I'm looking for. So unless this podcast isn't gonna talk about right mutual funds to invest in and just hammer the "importance" of having one, I do not want to watch this.
To calculate the future value of 1₹ with a rate of return of 12% over 100 years, you can use the formula for compound interest: Future Value = Present Value * (1 + interest rate)^number of years Substituting the given values: Future Value = 1 * (1 + 0.12)^100 Future Value ≈ 1 * (1.12)^100 Future Value ≈ 1 * 13790.92 Future Value ≈ 13790.92₹ So, the future value of 1₹ after 100 years with a 12% rate of return is approximately 13790.92₹. am i wrong or misunderstood something else? Btw i did understand the point but numbers...
Bhai 26 years mein per capita income bhi to $2,600 se $20,000 par pahuncha jayegi over 100 years ye per capita income aur jada badh jayegi sath mein inflation bhi compound hoga tumhara over those years uske baad jo bacha waha par thoda bohot fayda hoga.
These two are missing an imp point. Its not about what you earn but how much you are able to save. For most people, unless you earn in excess of 10L p/a, your badic expenses can wipe out a big chunk of your earnings... I mean think about it, unless you live with mum & dad, rent free, it is very difficult , to save and grow your money.....
He clarifies in at 24:00 minutes of video this part that who is earning today 25k some or other point of time he will also earn 1 lakh and more so he can now invest more of his money and at the end this whole scheme will balance out giving him the desired output
I am 23 and I earn 3L per month. Software engineer here :D I started with my first job with 33k per month. Now working with a US based startup remotely from India.
Wow, this video beautifully highlights the incredible potential of investing and the power of compounding through mutual funds! The way it breaks down the steps to make money by leveraging this strategy is both enlightening and motivating. It's fantastic to see such valuable financial wisdom being shared to help everyone build a more secure financial future. Thank you for this informative and empowering content..!! K33p it up..!!
Thanks educating with some basics, but I found details provided does not give complete picture Calculation done at 10:25 does not include inflation rate 8% for years after retirement i.e. it only tells monthly requirement at age of 50 years, for next 35 years monthly requirement is spilt below with interval of 10 years and last month. at age of 60 years --- 1,77,424 at age of 70 years --- 3,83,045 at age of 80 years --- 8,26,966 at age of 85 years --- 12,15,084 this calculation done on today's monthly requirement of 12000 which is not even feasible in today's time, for a family of 2 to maintain basic necessity i.e only rent, food & utilities, not including medical expenses. also, MF return calculation were done between 15:00 & 16:00 is on 12%, which may be considered as high risk by some (this is subjective everyone's risk level is different), as everyone cant find MF that returns same rate as speaker. function used same as video --- '=FV(8%,25,0,-12000,0)' fv(rate, nper, pmt, pv)
bhaiya pls make a guidance video in 12th passing kids just joining college . mene aapka 80% poora channel dekh rakha hai but i still feel a lot of pressure and anxiety regarding college . " kya mein apne 4 saal jo opportunities milegi unka judicious use kar paunga " & and similar ques . basically a vid on how to make the most out of the 4 years . and ik i am contradicting all lessons from byung-chul han , hyper productivity and all that stuff .
Bhai kasie 100 saal tak 1 rs monthly 12% rate se 1 crore kon se calculator se mai hota hai can you explain chat gpt ans is FV=PV×(1+r)t Using the values you provided: ��=1PV=1 (1 Rs) �=0.12r=0.12 (12% as a decimal) �=100t=100 years Now we can substitute these values into the formula: ��=1×(1+0.12)100FV=1×(1+0.12)100 Calculating this yields: ��≈1×(1.12)100≈1×11212.91FV≈1×(1.12)100≈1×11212.91 So, with a 12% annual interest rate compounded annually, the future value of 1 Rs after 100 years would be approximately 11,212.91 Rs.
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Bhai finance mein time value of money chapter se hai
Bhai aaj se 25 saal baad 82000 ki value aaj k 25000 k brabar hogi vo to socha nahi.
Inflation? ?😂
Interest ki income per tax bhi kata jata ha babu 😂😂
Bro. Can you share the Sheet with us
you can do excel sheet, but problems with the model:
1. Inflation not accounted on the monthly expenses post retirement, it should also increase, so 84,000 monthly would not remain constant over the years
2. no Account for life goals - child's education and one home for old age, let alone a car or marriage
Account these things, and you'll realise it cannot be done with small SIP of 10,000 (15% up every year) only with 12% return
retirement is different and life goals are different
Yeah the amount will be 1 Cr but after 35 years it will have purchasing power same as of 17 lakhs of today/this year
Bhai thora upar niche hoga tum log apne hisab se adjust karo kitna invest karna hai video ka main topic investing he tum log excel sheet ke piche par gye
Sip is a blessing for new investors. During my college days, I started with 500 per month sip in a small cap fund before Covid. My returns in the funds were almost 80% in 2.5 years time. Don’t underestimate the power of compounding!
This type of return is not repeated always
@@rishabagarwal5292 so do nothing sleep with your money let it depreciate why we always complain about every thing if money is growing by investing then what's the issue
Bhaiya aap ne kaun se small cap mutual fund me invest kiye the...
@@binayakumarsahoo1689 Sbi small cap fund!
9:36 You can correct me if I'm wrong, but what people are saying about becoming rich on an Excel sheet is certainly true.
You have factored in the inflation rate and incriment rate in your calculation, which is great. However, when looked at practically, a person who lives to 85 won't just spend their entire savings on limited monthly expenses. There will be various points in their life where they'll have to spend a significant amount of money: buying a house, a car, weddings, children's weddings, etc. So, no matter where they invest, they may not have the amount of money you anticipated when they retire.
Exactly u need to set aside a good amount of money to invest and don't touch that amount for a good amount of time to make it. Bolna aur sochna bahut easy karna bahut tough hai
Also, post-retirement inflation is not factored into the equation. So, even if the individual accumulates the expected wealth under unrealistic circumstances, it may not suffice for them to sustain their lifestyle throughout their lifetime.
These influencers love ignoring important points and make click baits.
Increment rate in india is not constant mainly in public sector no Increment
Everything is easy and possible in excel sheet 😂😂😂😂 😂😂
I have been very skeptical of Prakhar in the past. But, few videos of Prakhar have had a deep impact on me. And, one such was the philsophy of fight club. It is great to see his content coming back in the game. Good luck, mate.
That is game changing
please send fight club wala video link
th-cam.com/video/v2UeODhK25A/w-d-xo.htmlsi=sxhlxi62zS2qxjZn
The one video where he talks about cultural hegemony is my favorite one.
@@vishnups6829 link?
It was 2014 when i met CA Neeraj Arora sir who gave us beautiful mantras for life during GMCS. Main ca nhi bani but unki learning aaj bhi meri life ke mantras hai. He made me little extrovert from a introvert person. Thank you sir
Can you give us those Mantra's of CA Neeraj Sir
@@shubhu3342yup
Just one thing, This is very valuable for me, Thanks a lot for it from bottom of my heart 🙏❤️
Would like to see more with Neeraj sir. Great work PG.
More coming
22-26 tak meri average salary 27-28 k per month rahi woh bhi out of hometown. Savings karna challenging ho jaata hai sach mein. 26 ki age mein hometown mein 42k in hand milne lage the and I was able to save 35-37k a month. Uske baad se confidence bada aur financial independence ki taraf badne laga.
@@abhinandanmaurya47 in progress
Bhai you have a similar situation like me aap ke saath baat ho sakti hai?
@@amoghpujari99 bolo bhai
@@chetanshukla768 aap first job me kya karte the aur savings kaise manage Kiya aur fir job switch kaise kiya
@@amoghpujari99 bhai IT mein hi hu shuru se. Majboori switch kara deti hai. Pado and keep trying for switch, ho jayega. 10 saal IT mein rehne ke baad bhi underpaid hu lekin zindagi chal rahi hai theek thaak
Excited for this ❤
I came here after watching reel on instagram,I can say that every single second of this podcast was worth it.I gain very much about MOney from this Podcast. THANK YOU Prakhar Bhai.
Thanks Bhai aapka comment was very useful mujhe pata chal gaya ki ye podcast worth it hoga , download ho Raha tha naa isliye
Me bhi insta se he aya hu
Neeraj Arora.sir..my inspiration towards Mutual fund and SIP🙏
Bro this podcast is worth watching for 1 hour. I learned a lot from this podcast. Keep up the good work broo.
You have a loyal subscriber from now on.
Bhai iska papa bohot bada loyar hai....Iska level hi aalag hai
Chlo bhyiii ...aa hi gye aap, bda intezaar tha 😂❤
Well, good to see you back🎉
Shaandar 👍👍 Sabse acchi baat ye podcast Hindi me hai…
I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Low income means a higher expenditure ratio.
It's too simplified a calculation.
Compound interest sabhi scheme nahi deti. Bank Wale mutual fund Wale calculation me confuse karte hai client ko😅
The most valuable and simple video on TH-cam.
Better than other podcasts… atleast sabko develop hone ke liye h
Best explanation I hv ever seen on SIP and mutual funds
I calculated it, Neeraj sir is earning nearly ₹20Cr in a year.
Wtf
You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multimillionaires.I pray that anyone who reads this will be successful in life❤❤❤
I'm really surprised Mrs Melissa Ann Long is being mentioned here. I initially started off with 7k euros last year and now my portfolio is worth over additional thousands
Wow, I registered a trade with her already with 15k in usd and I have withdrawn twice my profit and still counting. She is doing a great work.
Scammers stop it😂
Well organised 😂 scammer 😂
😂😂 yup well organised scam, just read like story, somehow same story they paste as reply, is it AI bro or what it is ?? Or AI with no brain 🧠, copying same story in comments and replies of comments 😂
*It's always an honor to have you here as a mentor, I learn a lot watching your videos and it has encouraged me in making decisions about my finances that changed my life. Imagine my initial startup budget of $2,500 gave me the profit of $10,500 in just four days. I must say that working with Caitlin Jeffrey is the best*
This is superb! information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause. How do you go about this?
So surprised someone mentioned Caitlin Jeffrey. Imagine my $3k turned $12,400. Anyone who is not investing is missing a huge opportunity. I advise newbies and busy investors to seek her guidance.
Could you be kind enough to share the info of the investment advisor guilding you?
SHE'S MOSTLY ON TELEGRAMS WITH THE BELOW NAME!!!
CAITLIN JEFFREY
1. Tax on FD is 10% which you need to deduct from your 80000
2. What about inflation between 50-80 years. Will 80k be enough?
Sir, That is the great reply. Nobody is thinking of the Taxes..After all deduction can anyone say the Calculated amount will be sufficient which is mentioned in the Video. SIP Investment is good it is far better than the Savings account Interest but truth is Your lifestyle will be better from your current lifestyle. But if you are thinking these huge calculated figures will make you super Rich it will a Dream only .
Yeah the amount will be 1 Cr but after 35 years it will have purchasing power same as of 17 lakhs of today/this year
Thankyou Niraj & Prakhar ❤
I am 22 y/o had some clarity for further. 🙏🏻
Neeraj sir is always a delight to listen to.
1) Earn as much as you can.
2) Save as much as you can.
3) Invest as much as you can.
Neeraj Arora is actually smart
Thanks man
Har saal 10% income nahi badhti yr. Believe me.
Correct
भाई यहां तो 4 साल में भी total 10% नहीं बढ़ती है 😅
increase hoti he bhai.. Govt job me hoti he.. 3% ka increament lgta he basic pr aur 7% DA Increase hota he..
@@DheerajSingh-us9nj मतलब सिर्फ गिने चुने लोग ही ऐसे इनवेस्ट प्लान कर सकते हैं क्यूंकि गवर्नमेंट जॉब में कुल आबादी का सिर्फ गिने चुने लोग ही जा सकते हैं 😅
I can show you that I earn 5% every month. Tum saal ki baat kr rhe ho
Started this with 10k sip in 2018...i planned for 30 year
Great Podcast Prakhar, keep it up
Subscribed ❤
BASIC POINT THA SAB
BUT BAHOT SIMPLE WORDS MAI SAMJHAYA SIR NE.. 🖐
Prakhar Bhaiya videos like these candid pratical questions and their reasonably true answers .... these talks Let go my anxiety of being financially responsible and trying finding ways....
Thank youu so much for this type of Finance Podcasts 🥺😍❤️
Always a pleasure to listen to Niraj sir ❤
I am a big fan and follower of CA Neraj Arora sir.
Because of him I watch the ful podcast. His explanation skill are at the top. Love you Sir. I am also your student Sir.😊
The podcast I needed 🙇♂️ prakhar ❤
Bhai, Average earning family abhi bhi below average life jee rahi hai....High Tax, High Education Fees, High Loans Rates, High Cost of Living....Aapki geniune advise innocent logo ki help kar sakta hai tho bahut acha hai....Thank You....
Summary-
1.Create a stabel income
2.Start investing in sip
3. Hold it for years and stay consistent
Bhai kaun si SIP me dalu or kitne Kitne ki 20 22 sal me 3cr k aas pas pahuch jaye...Meri age 35 hai..plz advice
@@PraveenPandeyOfficialbest midcap finds dekhlo aap, aur top 3 me sip kardo equally. Around 15+ percent cagr mil hi jayega. Investing se pahle research kar lena.
20 saal mein 3cr ki value kam ho jaayegi
Sip kitni ki daalo - jitne ki daal sakte ho daalte jao aankh bandh karke everyones situation is different
Sip daalo main index funds for nifty, bank nifty, nifty next 50, etc dont go for other fund manager vaale mf
@@PraveenPandeyOfficial 10,000 SIP in quant small cap direct growth. It's a very risky fund but within 15 years 3cr paar ho jayega. Suggestion to do your own analysis before investing 😇
@@pranavmalhotra9187you mean index fund me invest karna chahiye?
The best podcast i had ever seen.
Investing money consistently and compounding 👍
But problem hi ki 25 sall me bhe paise lagenge na … its not like ki invest krenge and 25 sall tk paiso ki jarurat hi nhi pdehi …. Toh un kharcho ka kya???
Kaha kaha jarurat padegi bhai ?? Kharche bhi to badhaye hai
5k-6k hi dene hai har mahine .... 25th birthday pe bhi or 50th bday tak.... you can adjust it by calculating it...
If you are adding cost of marriage, family calculate it
Delete this comment...
24:00
miscalculations in numbers shown at 13:20.
1.inflation will not be there after the age of 50,i.e.age of retirement .thus the monthly expenses at the age of retirement (50 years) will
remain same through balance life of 85 years ( balance 35 years).....
2.even if assumed point 1 holds correct..
monthly exp = 82182
yearly exp =82182*12=9,86,180,assuming the invested funds yielding ROI @ 6% ( as given) ,required corpus=9,86,120/6%=164,36,340 as against mentioned amount of 1,44,13,046,diff of 20,23,294 (under statement of 12.31% on 1,64,36,340)....
3.Also the number of 1,44,13,046 is changing when "future value if required" is changed...whereas later has nothing to do with this calculated amount...
how you will address above points..????
not asking for any investment advices, but can you list a couple of mutual funds you've invested in? for research purposes?
Amazing podcast Prakhar, so glad to see your video. Keep growing brother.
Thx god you back
Thank god again, cuz this time Im feeling 🔥
@@PrakharkePravachan I hope... And let's see 😂
BEST VIDEO EVER ON TH-cam INDIA FOR THE EARLY YOUNG EMPLOYEES
Sir I have queries Related 85 year of SIP 1 rupee every month but inflation rate also impact after 85 years 1.24 cr value will be 32000 only as per inflation Rate change
One of the best podcast i have ever listened
Real answer is sir has been teaching actual income come from teaching at mass scale in every 6 months foundation passed students come for admission
Let's say 1000 in every 6 months take classes from sir 2000 in an year
Lets say average fees is 20,000 some students take all subjects some take selective subject
2000× 20,000= 😂😂😂😂😂😂😂😂
yaaar u are a philosopher you have art of questioning u bro next level honesty
Let's goo PG!!
glad to see you back Prakhar bhaiya : )
glad to see such an informative podcast from our own country, well done sir
very very good session, practicality at it's peak...
Nothing new was said in this podcast that was not said in PKP 2020 episode 1 with Neeraj Arora or in Dostcast.
But Neeraj Arora is always a delight to hear.
just the start
Hope so.@@PrakharkePravachan
Bhai please regular dal content@@PrakharkePravachan
@@PrakharkePravachanSandeep Maheswari Tera Baapu Hai Yaaad Hena 😂
@@dksingh3747sandeep toh firse trigger hogya carry se🤡
Nice podcast. Thank you.
What an Inspirational video Sir..Thank you very much for inspiring narrow minded people who thinks like " aaisa thodina hota hai ".. Thank you very much.. Eagerly Waiting for second video Sir⭐
In my humble opinion the calculation shown at 11:27 min of video is done wrong because "Real rate of return is missed" means ((1.08/1.06)-1)/12... and this should be used because you need to use discounting rate adjusted to inflation .. here in the example given inflation is 8% which is more than 6%(discounting rate).. so all calculation is flawed... Please correct me if I am wrong. As per my calculation the amount needed is 2crore 20lakh eighteen thousand 4hundredand ninteen. When Inflation is8% and Discounting is 9%
Monthly expense today ₹ 12.000
Number of years left to retirement 25
Inflation rate 8,00%
At the time of retirement monthly expense will be (FV: Future value) ₹ 82.182
Remaining life after retirement 25
Discounting rate 9,00%
Real Rate of return 0,0772%
Future value if required 0
Amount required at the time of retirement to get monhtly expense from remaining life span ₹ 22.018.419
Quality Podcast
Thanks a lot for the discussion!
Bhai kaha thhe itne dino se, wapis live streams chaalu kro bhai
bhai ek hi request hai audio matters in podcast so invest on them please ye baat pata nahi kyu most of the podcaster ko bolna padta hai
aur mera mtlb ye hai sound clear hona chahiye ek ka volume high hai ek ki low, sala kano ka band baza hua hai
@Prakhar Bhai can we pls get a copy of the excel sheet. I would love to start on my money multiplication journey. Much love
Sir thanks a lot 🙏
I am waiting for episode 2..
I think cash out flow for remaining 35 year should be calculated with inflation
But still we will be at profit
Very helpful video sir👍
Neeraj sir looks like the elder brother of vinamre
A good talk to listen. Thanks for sharing.
this was perfect
Thanks for this one
its a coincidence maybe but you mentioned bhiwani and i am from bhiwani and my CA Inter exam just ended today and i am here listening to OGs. Brilliant Episode ❤
I came here after watching a reel and this is the first time i'm watching something related to investing and this video makes me hungry to learn more.
Prakher, I would like to express my gratitude for your insightful videos, through which I have gained valuable knowledge, both from your content and from the wisdom shared by the Neeraj Arora Sir."
Very useful & informative video.. Eye opening video..keep it up..
Are we going to see a proper psychology/mindset/philosophy/experimental type of podcast in a near future ?
yessir. wait 2 eps.
A suggestion for non Hindi speakers - it would be great to have english subtitles included in the vid to make it more inclusive to a general audience. I happened to come across Warikoo's video which has this included and helped me follow his Hindi content. Thanks guys!
A person whose age is 25
And he earns 30k months
If he invested 10k month in sip he usually get 19%p.a
If he invest continuosly for 15 year he would have 1.02crore
And his age will be 40
After that if he would like to invest in fixed deposit he would get monthly 60k.
His whole video explained
And if you take risk then it will pay you
Inflation left the chat 😂
@@KartikSharma004 still u will get 10% of return
Broo....
This is my kind of a video
And i have searched all over the web i don't found any of the channels that make videos like that...
I mean in hindi, and yeah Alex hormozi is lit 💯
Keep it up brother
Well said follow simplicity, and know the power of compounding is the key to create wealth.May you all get sucess and happy new year readers.
Puri videos mein main wait kar raha tha ki aap kuchh acche mutual funds ke naam bataaoge ... Please suggest me some good mutual funds
Bro a person who is earning 25k a month will easily have a monthly expenditure of 18 to 20 k . It is not just about own expense but ghar pe bhi to paisa bhejega aur agar ghar ke bahar reheke naukri karega to uska bhi to kharcha hoga.
Assuming unrealistic monthly expenses, where are the costs for rent, food, and essential expenses? IF SALARY 25K
12k monthly expense....on 25k sal...? Where the hell are living? In India or on Mars...are you alien..? Do you have any idea on Rent, Petrol pricing, tel ke daam...
I have a doubt in the calculation, as Neeraj sir has calculated 82k will come as monthly cash flow after he turns up 50 then for next 35 years inflation will also work hence these 82k will not hold same worth when he will be 50. Please correct me if I'm wrong.
Look I love the content both of them put out. Neeraj sir is my audit mentor and Prakhar is my mental well-being mentor. But I don't wanna go through with the whole podcast clip if I'm not given a sure shot answer to the questions. Anyone can tell me things by talking around the bush. That's not what I'm looking for. So unless this podcast isn't gonna talk about right mutual funds to invest in and just hammer the "importance" of having one, I do not want to watch this.
He said in the end I will tell you best MF just to hold the audience
Blessed to be student of Neeraj sir 🧡
To calculate the future value of 1₹ with a rate of return of 12% over 100 years, you can use the formula for compound interest:
Future Value = Present Value * (1 + interest rate)^number of years
Substituting the given values:
Future Value = 1 * (1 + 0.12)^100
Future Value ≈ 1 * (1.12)^100
Future Value ≈ 1 * 13790.92
Future Value ≈ 13790.92₹
So, the future value of 1₹ after 100 years with a 12% rate of return is approximately 13790.92₹. am i wrong or misunderstood something else? Btw i did understand the point but numbers...
Bhai 26 years mein per capita income bhi to $2,600 se $20,000 par pahuncha jayegi over 100 years ye per capita income aur jada badh jayegi sath mein inflation bhi compound hoga tumhara over those years uske baad jo bacha waha par thoda bohot fayda hoga.
These two are missing an imp point. Its not about what you earn but how much you are able to save. For most people, unless you earn in excess of 10L p/a, your badic expenses can wipe out a big chunk of your earnings... I mean think about it, unless you live with mum & dad, rent free, it is very difficult , to save and grow your money.....
He clarifies in at 24:00 minutes of video this part that who is earning today 25k some or other point of time he will also earn 1 lakh and more so he can now invest more of his money and at the end this whole scheme will balance out giving him the desired output
Would love to see him more ❤
I am 23 and I earn 3L per month. Software engineer here :D
I started with my first job with 33k per month.
Now working with a US based startup remotely from India.
Bro please can you guide me give me your Linklden I'd... please 🥺
Great session , osam, beyond anything, hat's off
Wow, this video beautifully highlights the incredible potential of investing and the power of compounding through mutual funds! The way it breaks down the steps to make money by leveraging this strategy is both enlightening and motivating. It's fantastic to see such valuable financial wisdom being shared to help everyone build a more secure financial future. Thank you for this informative and empowering content..!! K33p it up..!!
Thanks educating with some basics, but I found details provided does not give complete picture
Calculation done at 10:25 does not include inflation rate 8% for years after retirement i.e. it only tells monthly requirement at age of 50 years, for next 35 years monthly requirement is spilt below with interval of 10 years and last month.
at age of 60 years --- 1,77,424
at age of 70 years --- 3,83,045
at age of 80 years --- 8,26,966
at age of 85 years --- 12,15,084
this calculation done on today's monthly requirement of 12000 which is not even feasible in today's time, for a family of 2 to maintain basic necessity i.e only rent, food & utilities, not including medical expenses.
also, MF return calculation were done between 15:00 & 16:00 is on 12%, which may be considered as high risk by some (this is subjective everyone's risk level is different), as everyone cant find MF that returns same rate as speaker.
function used same as video --- '=FV(8%,25,0,-12000,0)' fv(rate, nper, pmt, pv)
Stop doing bak bak…. Let Neeraj talk…🤓🤓
we want more videos like this ,very good content
bhaiya pls make a guidance video in 12th passing kids just joining college . mene aapka 80% poora channel dekh rakha hai but i still feel a lot of pressure and anxiety regarding college . " kya mein apne 4 saal jo opportunities milegi unka judicious use kar paunga " & and similar ques .
basically a vid on how to make the most out of the 4 years .
and ik i am contradicting all lessons from byung-chul han , hyper productivity and all that stuff .
Need this for sure buddy
Brilliant interview
Bhai kasie 100 saal tak 1 rs monthly 12% rate se 1 crore kon se calculator se mai hota hai can you explain chat gpt ans is FV=PV×(1+r)t
Using the values you provided:
��=1PV=1 (1 Rs)
�=0.12r=0.12 (12% as a decimal)
�=100t=100 years
Now we can substitute these values into the formula:
��=1×(1+0.12)100FV=1×(1+0.12)100
Calculating this yields:
��≈1×(1.12)100≈1×11212.91FV≈1×(1.12)100≈1×11212.91
So, with a 12% annual interest rate compounded annually, the future value of 1 Rs after 100 years would be approximately 11,212.91 Rs.
That 100 is not for multiplication but as a power to 1.12