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. If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7 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.
split of large, mid and small cap mutual funds. I know returns are indicative and there is volatility involved, why not only large cap for less volatility and small cap to generate the higher long term returns, any reason to diversify into small mid and large ?
this guy is a fighter. at just 28 he is mature and understands his responsibilities. he is taking care of his family and dependents of his brother. its not easy
Another advise , u can also make a plan that after 60 y and with a corpus of Rs 14 cr , and once u can retire , u can set up a SWP (systamatic withdrawl plan ) for your house hold and travel etc related exp for life , because corpus of Rs 14.25 cr will give u a return of nothing less than 1.5 cr annual or 13 Lac per month , so u can withdraw by SWP , your monthly exp, and travel exo, and rest of the corpus will still grow . Hope this suggestion will further help-
You definitely have my sub. This content is next level. For me Unimantic was the turning point. Please keep doing what you do and keep being you, love it.
माननीय अंकुर सर. आपकी किताब मेक एपिक मनी को पूरी तरह से पढ़ने के बाद, मेरा पैसे को देखने का दृष्टिकोण को पूरी तरह से बदल दिया है। आपने अत्यंत सरल और सुंदर भाषा में धन नियोजन के बारे में बताया है। सर आपका बहुत-बहुत धन्यवाद। मैं अब से आपका ऋणी रहना चाहता हूं। Make Epic Money Is My Life Changing book and one of the Best Book in my life बहुत-बहुत धन्यवाद सर संतोष सपकाळे ( महाराष्ट्र)
We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard. Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly. Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them.
Keeping some gold is usually a wise decision. You would be better off keeping away from equities for a bit or, even better, seeking advice from an expert given the current market conditions and everything that is at risk with the current economy.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
There is one thing i want to know, when we are planning for the future we should keep in mind what will be the rate of land, house, car after 20 - 30 years. In 2014 you can buy in activa in around 50k but now you've to spend over a lakh rupees. so after 30 years it's evident that anything we wanna buy will be around of 8x from now, abhi chhota da ghar in big cities m 1cr ka aata ha it will be of 8 cr. and I don't think so ki kisi bhi flat ka price jo aapne abhi kharida ha keeping construction in mind after 30 years of 8 cr ka hoga.
Yes, i was also thinking the same... 14cr will be like 1-2 cr. Also the worse thing that can happen is that if i wanna invest my money other than SIP's like real estate or marriage expenses, from where will i get the money, all im spending on SIP's.
@@mdsahzadansari1668 If 12lakh is your current expense per year , consider 8.1% inflation after 20 year , that would be almost 57lpa , which will be 4.75lakh per month .
Just a small suggestion- My father bought a land piece before covid, so it's just 3-4 years, and it got 11x-12x from its original cost. Probably it will grow further, and we have asset that we can sell whenever we want.. But in SIP's, it's just future money and also inflation will hit hard on SIP. In my opinion, go for short term investment
What you said is true. So our ancestors would always invest in gold gold & gold. This was always a compounding asset. Even today we can rely on gold for compounding growth.
Wow! honestly, worth 40 mins of my Sunday morning. Salute, amazingly consulted, the way you empathised, asked, listened, jotted down in excel, and at the end you solved his path to the future, everything was just awesome. Immediately filled out the form, will be very fortunate if I get a chance to discuss my time and money situations(problems) with you.
Sir all people are with IT or computer background. Please call someone with different branch like civil or mechanical or someone who has just started his small business...
One of the motivational finance related video I have ever seen . The best part is , not everyone but most of the Indian boys can relate themselves with Sushanth. May be there are more ways to invest money after 30 years but here whatever Ankur has suggested is the easiest way to get it done without knowing the market and stocks.
This is second of this series that I viewed. I am surprised Ankur focuses only on portraying big numbers in future through toy excel calculations and not 1 bit on the person upskilling thereby improving their earnings. Improving earnings has more immediate effect on lifestyle, does not negatively impact the toy calculations and sets up the flywheel that encourages the candidate here to continually focus on improving his active income, while letting the passive one flow in backend. Ankur probably has more experience in this domain than finance, but surprisingly just sticks to finance, that too toy calculators showing shiny pictures. He can "listen" to his good friend Neeraj Arora sir, who once said on a podcast that "Active income is under-rated and passive income is over-rated".
If you finally have this view, then please correct yourself with the topic. The topic here is not about upskilling, but money matters. And btw upskilling alone doesn't guarantee an increase in earning.
This series mostly focuses on improving the usage and efficacy of disposable income with existing financial situation where excel calculations are sufficient. If people show interest, like yourself, for content on active and passive income then i am sure this will be created and made available
@@santuroy6765 30 years old here, you're the first person in my life i've heard against upskilling. It'll definitely not increase your earnings if you'll think like that.
Updkilling se agar income badhegi toh uske expense bhi badhne wale hai uske ...jab vo apni family start karega .. But in numbers se niche vo kabhi nhi ja skta ...toh ye uska safe side rahegahumesha
Bro, firstly upskilling oneself is our own job, yes we may require guidance but how can ankur help him in upskilling? Agar koi software engineer h, to vo sikhke apne apko upskill krega, mentors se sikhega, self learning krega. In this video usko financial problems thi, so he is showing how to take care of that. Come on dude.
I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes..
Being an PF officer, only one thing I would like to mention here... Interest is only given on EPF fund.....And in EPF fund only (12.5 + 3.33)% is deposited for maximum people,until or unless they are ineligible for EPS membership. Here this person told his total deduction ,read contribution, is 56K. That means in 56k employer amount is also included....If he is a EPS member he cannot get interests on 8.25% of employer contribution
Sir ji apki ye video dekh kar n jane kitne logon ka career yahan se badal gaya hoga. Main bahut jyada apki video se inspired hua. Aur apne lagbhag sare doubt clear ho gaye. Aur main aaj se apka ek Subscriber and regular viewer ban gaya sir. THANK YOU SO MUCH SIR
Ankur Warikoo, I appreciate it. It provided me with a new perspective on a few things. All the best, Sushant. I'm sure you and your family will continue to thrive.
Now it is my habit to invest in SIP because of you...Big thank you Ankur 🙏... Watching your videos since 4 to 5 years ...now current portfolio is growing by 100% .... Key mantra is - you should have patience for this compounding .. Thank you again for educating our youth for sIP
Hi Ankur, great work on the Money Matters series! As an NRI working in the Gulf, I'm surprised there isn't a video specifically addressing financial planning for NRIs like myself. I'd love to see a video on this topic! I'd be more than happy to share my own experiences and insights on NRI expenses and savings to help make it a valuable resource for the community. Let's connect and make it happen!
Hi Sir, Thank you for giving me the opportunity to have a chat with you. You bring such a huge positivity. As per your suggestion, i had already started all the investment apart from that Lic premium which i had kept as per my parents suggestions. Thank you once again, keep motivating and keep guiding us . Lots pf love and respect 🙏
@@warikoo 8000rs for 30 years will give u 5 cr, its peanuts when u compare the inflation and other cost of living, mutual funds is a game which requires time so i dont know why ru playing with these people's emotion's, tell them the reality and let them figure it out unless ur waiting to pitch in ur brands later so that these people will purchase it.......simple and honest thought
@@Bolo_Bolo_Tell_Tellwho told you this bro? If you spend 5 lakhs a year now, in around 35 years you’ll spend 32-35 lakhs a year to maintain that lifestyle and obviously as you grow older, at 60 or 65, your expenses reduce because you don’t have to pay for your children’s school/college fees. You don’t go out with your wife on dates as regularly and spend as much on them so think how much your grandparents spend now and calculate as per that. 5cr won’t be peanuts. They’ll be your budget for more than 15 years even if you take them out immediately after reaching 60. Also, you won’t withdraw all of the money immediately after reaching 60 years of age so you will do an SWP (Systematic Withdrawal Plan) so most of the 5cr will keep growing at a rate faster than inflation so you will not run out of money unless something extremely unexpected happens.
With due respect , there you gave one wrong advice , if you stop LIC policy after 3 years time , it is converted into paid up and you get the maturity amount in proportion to amount you had deposited. So his LIC money will not be waste if he invest for 3 years . And you should stop LIC and go for term insurances , I have also done the same thing. Rest fully appreciate your efforts.
Apart from the financial advice, the way you felt bad for him and for his family is much appreciated..you are a such gem of a person..❤❤ Love to you all the way from Chennai
The Money Matters series is a game changer. It gives us an insight into the real world. Thank you for making this an eye opener for us all, including all your other videos. Great financial advice. Keep up your good work, Ankur and more success to you🙂
I really appreciate making this video because this is so much relatable to my financial services and I am of similar age. I was confused and didn't have any financial knowledge. This video really showed me how I can be financially stable. Thank you sir and please do make more videos like this.
I am on a learning roller coaster , I’m like a sponge rn, this has got to be the best series anyone has come up with. You have no idea how many lives you are helping and changing! Bless you man!
एलआईसी 3 साल भरने के बाद पैसा 0 नही होता पॉलिसी कैंसल हो जाती है, प्रीमियम नही भरने पर , और 5 साल के बाद फंड वैल्यू रिटर्न हो जाती है। IRDA गाइडलाइन है।
जिस दिन वैश्विक मंदी आएगी उस दिन जिसके पास सोना और fd होगी वो मुस्कुरा रहे होंगे,, म्यूचुअल फंड, sip, stock में इनवेस्टमेंट करने वाले उस दिन रो रहे होंगे..।।
Reality. Koyi gold sell nhi kar pata. Gold generation by generation chalta rhta h. Kitni bhi problem aaye. Aur mutual fund ya sip se apko paise nikalne aana chahiye. That can be huge if you really good with investment knowledge. So 1st try to understand about investment strategy and how can take ROI and then profit from investment. Start learning from. That will take some time but one day you will understand power of investment
After watching this vedio i don't think he have fake smile fake propaganda like other ytbrs. His advice seem realistic like a well educate and experience guardian. whatever he said is seriously true same mistake also done by most of us 90s group youths. But its never not too late start a new journey. thanks big b to making this video.
If you go back in time better u bought 100 bit coins in 1000 rupees and sell in binance today in 65cr inr after paying tax maybe or transferring some in us dollars still get 45 crore Inr
This is a really good series sir, definitely, it will help retail investors to become financially independent rather than fall pray to such agents who sale their products for their benefits. Definitely, billionaires will be more in the near future and indirectly it will help our country.
One of the Best Investment Planning video, I ever seen. Thanks a lot Ankur Ji. This video is Really Helpful for the peoples who belongs to Middle Class and Lower Middle Class.
I must say.tgat this is a very unique, very informative blog, thanks to Warikoo sir for sharing with us. Your blogs trains people of financial freedom with your first hand experience... 👍🏼 Thanks 🙏 once again
These contents are really really helpful and relatable 😊 would love to see more real life situations like this.. Thanks @ankur warikoo for being such a wonderful mentor👏🙏
I don't know about remaining insurers but IN LIC if you pay atleast 3 years premium you can surrender the policy at least you will get some amount 30-50%
Ankur Warikoo you are doing such a great job...By giving such life changing advices that improves people's future along with their financial life too. May god bless you and give you good health. Keep up this good work and please do continue doing this Money Matters Series and inspire many more people.❤❤❤
Excellent video sir, I am sharing to my family members and friends and also personally persuing with my near ones. I am going to retire in a year I joined my service at 22 years. At that time this much information was not available for that I regret. The work which you are doing is very much useful to the society. This is one of the social service. This my first video which viewed in the late night. I am going to view all your videos. Thank you very much for your excellent service sir 🙏
@@gauravmishra1992 no . I don't say don't Invest . I am saying only that this people saying you have 14 croreeeeee. But this guy don't know then 14 cr will be something 3.5 cr.
@@SahilYadav-bz9yfabsolutely my friend but still better than the 1 crore which he will get after 30 years, with inflation adjusted should be some 17 - 18L.
This is the best productive video i have seen on TH-cam till date❤❤❤❤❤❤ Fully emotional fully motivational fully educational full of love from a brotherly guy.. What else we need to be motivated and get discipline in life?😍😍😍
Hi.. Warikoo sir.. this is Prashant.. you are doing good job and these sessions are really helping us . I have one suggestion please get some guests who has already achieved there target 🎯 through sip .. that will help us to know what would be hurdles while entire journey and what would solution for those problems in continuation of Sip and investment. Thankyou 😊
Expense ratio, exit load & tax Expense ratio: 0.62% Inclusive of GST Exit load Exit load of 1% if redeemed within 1 year. Stamp duty on investment 0.005% (from July 1st, 2020) Tax implications Returns are taxed at 15%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 10% on returns of Rs 1 lakh+ in a financial year. Sir you are guide about to do sip but please calculate with the exit load and other taxes of that particular indux fund
I started sip of 2000 every month from last 4 years at the age of 24 it will be a long investment of up to 30 years and I will get 1.5cr at the age of 54 🎉
1st Time, I have watched a video which is related to Finance & Money, and it took me 3 days to complete the same. But thankfully, it has enlightened me to learn about personal finance and its need and Of Course its course of action on how to secure a better future. Thank you Wariko Sir :-)
Everything is fine but remember always keep cash in your bank account because if market crash than you can invest in short of time plus some medical emergency. Always keep cash and gold in your investment also.
aapane iski Puri income ko SIP mein lagva Diya isko 5 sal ke bad mein koi gadi leni ho ya acchi bike leni Ho, or abhi isko khud ki shaadi karni hai uska kharcha or 20 sal bad mein usko bacchon ki shaadi karni hai uska kharcha wo Kahan se lekar aaega . 30 sal bad mein aapane Bata Diya iske pass 15 ya 20 karod honge lekin bich mein jo paise chahie wo kahan se aaenge... my suggestion is that ki teen char SIP aisi karo jinko bich mein kabhi bhi Tod sake jab bhi jarurat pade, SIP is hisab se plan karo ki usko kb todna h(na ki sari ki sari SIP aapko 30 sal bad mein todni hai, kuchh sip aapko shaadi per todni hai, gadi lene pr todni hai ,bacchon ki shaadi per todni hai, ) my 1st comment on TH-cam video
Sir Ye video me Rat ko 1 bage Dekh raha hu Pura video dekh liya Bahot hi maja aa gaya sir India me Sir Bahot hi kam log hai jo aise Information ℹ️ itni achi tarah se de Thank you So Much sir
He is bang on correct. I too had an LIC policy which I started in the beginning of career due to 80C. It was useless. Later I found out so many other options for 80C best was ELSS and NPS (80CDD) even medical insurance. So I stopped it. My agent kept telling me you’re making a blunder 😂. But I went ahead. It was an endowment plan so I got back part of money invested, took a loss of some 50k. If you have a PF it also acts like an insurance policy for your dependents no need to take additional life insurance
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.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
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.
GST ke upar video banao sir
Ankur muje b money matter pe discuss karo. 2 ,3 bar form fill Kiya hai. please yar jaldi karo. waiting for ur reply. Name. Dhaval zhansiwala
Bhia government sector walo ko b kuch suggest kr do
❤😊❤
split of large, mid and small cap mutual funds. I know returns are indicative and there is volatility involved, why not only large cap for less volatility and small cap to generate the higher long term returns, any reason to diversify into small mid and large ?
this guy is a fighter. at just 28 he is mature and understands his responsibilities. he is taking care of his family and dependents of his brother. its not easy
Absolutely True Bro !!
Bhai mai 19 saal se job suru kar chuka tha mujhe to kisi ne advice nahi kiya yar govt job ke shat
@@tomarsahab2177 pehle itni awareness nahi thi. maine bhi late shuru kiya hai . aap abhi se Mutual fund me thoda thoda nivesh kariye .
Bro 28 sal ka hai 18 ka nahi 😳
@@SAROJBHUJEL ha bro kuch log 28 mein bhi serious nahi hote
Ankur Wariko Sir being a rich person still has heart for common people. He feels.. That is a great thing
Another advise , u can also make a plan that after 60 y and with a corpus of Rs 14 cr , and once u can retire , u can set up a SWP (systamatic withdrawl plan ) for your house hold and travel etc related exp for life , because corpus of Rs 14.25 cr will give u a return of nothing less than 1.5 cr annual or 13 Lac per month , so u can withdraw by SWP , your monthly exp, and travel exo, and rest of the corpus will still grow . Hope this suggestion will further help-
@nitinshah8168 definitely sir , thanks for such great advice 😊🙏
0:03 😊😂😂
Good session but not discussed about tax & inflammation
o chicha another 60 years😂😂🤣🤣kal ka kya bharosa chicha aaj mauj loot lo
@@Bolo_Bolo_Tell_Tell are another 60 years nhi re pagle 😂 , after retirement bol rahe hain wo . Padhna Sikh
From the age of 18 I am taking care of my parents journey from a tution teacher to a software engineer 😌 . Now thinking to start sip 😢
Very good 😊
Kaas sab tumhare jese hoskte
Kudos…❤I too have been doing the same since I was 18
Bohot acha hai continue rakhna...
God bless you
such a wonderful way of helping the common man..The Anchor is coming from his heart... thank You for being their...
Ankur Warikoo is genuinely interested in people. He does not seem to be doing it for anything else other than helping people genuinely.
Ankur Ji Very Nice !! Aapki ye video har ek Lower middle class,middle class yuvak ko dekhna chahiye... Really appreciated!🙏
You definitely have my sub. This content is next level. For me Unimantic was the turning point. Please keep doing what you do and keep being you, love it.
It’s hard to do achieve this in reality. Ankur warikoo is known for being halusinistic he exaggerates things 😂😂😂
Sahi kaha aap ne sir.. Parents ko waqt dena chahiye... paise to hum aaj nahi to kal bana sakte hain.... its touching part sir.
First ever seen genuine financial advice on youtube without any own hidden interests. You are an awesome being Ankur sir.!
माननीय अंकुर सर. आपकी किताब मेक एपिक मनी को पूरी तरह से पढ़ने के बाद, मेरा पैसे को देखने का दृष्टिकोण को पूरी तरह से बदल दिया है। आपने अत्यंत सरल और सुंदर भाषा में धन नियोजन के बारे में बताया है।
सर आपका बहुत-बहुत धन्यवाद। मैं अब से आपका ऋणी रहना चाहता हूं। Make Epic Money
Is My Life Changing book and one of the Best Book in my life
बहुत-बहुत धन्यवाद सर
संतोष सपकाळे ( महाराष्ट्र)
What'sApp
+1432
316
We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard. Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly. Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them.
Keeping some gold is usually a wise decision. You would be better off keeping away from equities for a bit or, even better, seeking advice from an expert given the current market conditions and everything that is at risk with the current economy.
Could you possibly recommend a CFA you've consulted with?
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
Wow what an advertisement. 😂😂😂😂
Great sir
Look at his face when Warikoo says about the returns !!! Bro was too happy !!
paisa hi paisa hoga😂😂🤣🤣
Shadi bhi hogi, usse pehle girlfriend ke kharch
Yes that smile was worth more then Million $.
after 30 year 3 crore value will be not that much..........i think so
But it's better than having nothing @@raptor00ful
There is one thing i want to know, when we are planning for the future we should keep in mind what will be the rate of land, house, car after 20 - 30 years.
In 2014 you can buy in activa in around 50k but now you've to spend over a lakh rupees.
so after 30 years it's evident that anything we wanna buy will be around of 8x from now, abhi chhota da ghar in big cities m 1cr ka aata ha it will be of 8 cr.
and I don't think so ki kisi bhi flat ka price jo aapne abhi kharida ha keeping construction in mind after 30 years of 8 cr ka hoga.
Yes, i was also thinking the same... 14cr will be like 1-2 cr.
Also the worse thing that can happen is that if i wanna invest my money other than SIP's like real estate or marriage expenses, from where will i get the money, all im spending on SIP's.
You just add 7-8% every year as inflation,after 20 year 160% .it means 1lakh now, 2 lakh 60 thousand that time
@@mdsahzadansari1668 If 12lakh is your current expense per year , consider 8.1% inflation after 20 year , that would be almost 57lpa , which will be 4.75lakh per month .
Just a small suggestion- My father bought a land piece before covid, so it's just 3-4 years, and it got 11x-12x from its original cost.
Probably it will grow further, and we have asset that we can sell whenever we want..
But in SIP's, it's just future money and also inflation will hit hard on SIP.
In my opinion, go for short term investment
True bro..... Experienced this thing....... Bought a land at 12Lakh nd sold it at 18Lakh within 1.5-2 years
Bhai jiske thore paise ho wo kaise land le uske liye sip very good
@@nirajkr9954monthly 5k se Kyada land Atha bhai woh bhi risky hai land kabja bhi how sakti Hai so sip and real estate are different things
What you said is true. So our ancestors would always invest in gold gold & gold. This was always a compounding asset.
Even today we can rely on gold for compounding growth.
Wow! honestly, worth 40 mins of my Sunday morning. Salute, amazingly consulted, the way you empathised, asked, listened, jotted down in excel, and at the end you solved his path to the future, everything was just awesome. Immediately filled out the form, will be very fortunate if I get a chance to discuss my time and money situations(problems) with you.
Yeah, it was really worth it
Sir all people are with IT or computer background. Please call someone with different branch like civil or mechanical or someone who has just started his small business...
One of the motivational finance related video I have ever seen . The best part is , not everyone but most of the Indian boys can relate themselves with Sushanth. May be there are more ways to invest money after 30 years but here whatever Ankur has suggested is the easiest way to get it done without knowing the market and stocks.
Ankur , I have a word for you - You are GEM of our India.
This is second of this series that I viewed. I am surprised Ankur focuses only on portraying big numbers in future through toy excel calculations and not 1 bit on the person upskilling thereby improving their earnings. Improving earnings has more immediate effect on lifestyle, does not negatively impact the toy calculations and sets up the flywheel that encourages the candidate here to continually focus on improving his active income, while letting the passive one flow in backend.
Ankur probably has more experience in this domain than finance, but surprisingly just sticks to finance, that too toy calculators showing shiny pictures. He can "listen" to his good friend Neeraj Arora sir, who once said on a podcast that "Active income is under-rated and passive income is over-rated".
If you finally have this view, then please correct yourself with the topic. The topic here is not about upskilling, but money matters. And btw upskilling alone doesn't guarantee an increase in earning.
This series mostly focuses on improving the usage and efficacy of disposable income with existing financial situation where excel calculations are sufficient.
If people show interest, like yourself, for content on active and passive income then i am sure this will be created and made available
@@santuroy6765 30 years old here, you're the first person in my life i've heard against upskilling. It'll definitely not increase your earnings if you'll think like that.
Updkilling se agar income badhegi toh uske expense bhi badhne wale hai uske ...jab vo apni family start karega ..
But in numbers se niche vo kabhi nhi ja skta ...toh ye uska safe side rahegahumesha
Bro, firstly upskilling oneself is our own job, yes we may require guidance but how can ankur help him in upskilling? Agar koi software engineer h, to vo sikhke apne apko upskill krega, mentors se sikhega, self learning krega. In this video usko financial problems thi, so he is showing how to take care of that. Come on dude.
I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes..
Being an PF officer, only one thing I would like to mention here... Interest is only given on EPF fund.....And in EPF fund only (12.5 + 3.33)% is deposited for maximum people,until or unless they are ineligible for EPS membership.
Here this person told his total deduction ,read contribution, is 56K. That means in 56k employer amount is also included....If he is a EPS member he cannot get interests on 8.25% of employer contribution
Yes I work in EPFO, he is right.
He is partially right . 12 percent +(12 percent - 1250)
Sir aapka phone no. De dijiye kabhi kuch puchna raha PF ke bare mai to aasani rahegi puchne mai
Likh lo 108 😂@@inamuddin4157
This is very informative , I have paid 2 lakh for insurance two years befor then I realised the mistake and stopped then started SIP 😊
Sir ji apki ye video dekh kar n jane kitne logon ka career yahan se badal gaya hoga.
Main bahut jyada apki video se inspired hua. Aur apne lagbhag sare doubt clear ho gaye. Aur main aaj se apka ek Subscriber and regular viewer ban gaya sir. THANK YOU SO MUCH SIR
Money Matters is the best series you have put out here. The value you brought into this guy's and many viewers' financial lives is commendable.
Ankur Warikoo, I appreciate it. It provided me with a new perspective on a few things.
All the best, Sushant. I'm sure you and your family will continue to thrive.
This is very good series. Thanks for this learning experience.
My pleasure!
Woh sir it's good serius
@@warikoo dear how sip works ?? Pls make video
@@warikoowoow giving reply
❤❤❤😊😊😊
Now it is my habit to invest in SIP because of you...Big thank you Ankur 🙏... Watching your videos since 4 to 5 years ...now current portfolio is growing by 100% .... Key mantra is - you should have patience for this compounding .. Thank you again for educating our youth for sIP
Hi Ankur, great work on the Money Matters series! As an NRI working in the Gulf, I'm surprised there isn't a video specifically addressing financial planning for NRIs like myself. I'd love to see a video on this topic! I'd be more than happy to share my own experiences and insights on NRI expenses and savings to help make it a valuable resource for the community. Let's connect and make it happen!
agreed!
I'm an NRI soon to be a person of Indian origin (PIO). I'd like to know more about investing too. And I totally agree with you here
@@FlyingExplorer2022there are many great opportunity for NRI such as AIF and PMs
Hi Sir,
Thank you for giving me the opportunity to have a chat with you. You bring such a huge positivity.
As per your suggestion, i had already started all the investment apart from that Lic premium which i had kept as per my parents suggestions.
Thank you once again, keep motivating and keep guiding us . Lots pf love and respect 🙏
Excited for you Sushant :)))
Hello brother
Plz don't mind
How your brother died
I m also from merchant navy
I did my btech (marine engg) from kochi (CUSAT)
@@warikoo 8000rs for 30 years will give u 5 cr, its peanuts when u compare the inflation and other cost of living, mutual funds is a game which requires time so i dont know why ru playing with these people's emotion's, tell them the reality and let them figure it out unless ur waiting to pitch in ur brands later so that these people will purchase it.......simple and honest thought
@@Bolo_Bolo_Tell_Tellwho told you this bro? If you spend 5 lakhs a year now, in around 35 years you’ll spend 32-35 lakhs a year to maintain that lifestyle and obviously as you grow older, at 60 or 65, your expenses reduce because you don’t have to pay for your children’s school/college fees. You don’t go out with your wife on dates as regularly and spend as much on them so think how much your grandparents spend now and calculate as per that. 5cr won’t be peanuts. They’ll be your budget for more than 15 years even if you take them out immediately after reaching 60. Also, you won’t withdraw all of the money immediately after reaching 60 years of age so you will do an SWP (Systematic Withdrawal Plan) so most of the 5cr will keep growing at a rate faster than inflation so you will not run out of money unless something extremely unexpected happens.
With due respect , there you gave one wrong advice , if you stop LIC policy after 3 years time , it is converted into paid up and you get the maturity amount in proportion to amount you had deposited.
So his LIC money will not be waste if he invest for 3 years .
And you should stop LIC and go for term insurances , I have also done the same thing.
Rest fully appreciate your efforts.
Glad to see, Shushant went from hopeless to hopeful
Yes
The best advice in last 2-3 minutes 👍
Apart from the financial advice, the way you felt bad for him and for his family is much appreciated..you are a such gem of a person..❤❤ Love to you all the way from Chennai
The Money Matters series is a game changer. It gives us an insight into the real world. Thank you for making this an eye opener for us all, including all your other videos. Great financial advice. Keep up your good work, Ankur and more success to you🙂
smile on his face when he realised he can be a corepati after 30 years even after providing for his family
I really appreciate making this video because this is so much relatable to my financial services and I am of similar age. I was confused and didn't have any financial knowledge. This video really showed me how I can be financially stable. Thank you sir and please do make more videos like this.
I am on a learning roller coaster , I’m like a sponge rn, this has got to be the best series anyone has come up with. You have no idea how many lives you are helping and changing! Bless you man!
Sir आज मेरा दिमाग़ खुल गया thank you so much
Thx for the info. It's very useful. Last time, I also came across Unimantic, and financially, it has been very helpful for me. So thank you again!
एलआईसी 3 साल भरने के बाद पैसा 0 नही होता पॉलिसी कैंसल हो जाती है, प्रीमियम नही भरने पर , और 5 साल के बाद फंड वैल्यू रिटर्न हो जाती है। IRDA गाइडलाइन है।
I feel your situation Sushant. I wish the very best for you.
Also, it is such an informative video. Thanks Ankur.
जिस दिन वैश्विक मंदी आएगी उस दिन जिसके पास सोना और fd होगी वो मुस्कुरा रहे होंगे,, म्यूचुअल फंड, sip, stock में इनवेस्टमेंट करने वाले उस दिन रो रहे होंगे..।।
Bhai asi mandi me fd 5.8%=0
Reality. Koyi gold sell nhi kar pata. Gold generation by generation chalta rhta h. Kitni bhi problem aaye. Aur mutual fund ya sip se apko paise nikalne aana chahiye. That can be huge if you really good with investment knowledge. So 1st try to understand about investment strategy and how can take ROI and then profit from investment. Start learning from. That will take some time but one day you will understand power of investment
After watching this vedio i don't think he have fake smile fake propaganda like other ytbrs.
His advice seem realistic like a well educate and experience guardian. whatever he said is seriously true same mistake also done by most of us 90s group youths.
But its never not too late start a new journey.
thanks big b to making this video.
If I could go back in time, I would have told my younger self to start SIP. Would have been a Millionaire by now
I am 40 now still young, if I have started sip at 25 I could have retire now , now I feel like I am starting everything at the age of 40 🥲
Same.. i started my 1st investment as sip at 30, that too when my daughter was born. I should have started it from 23 itself
If you go back in time better u bought 100 bit coins in 1000 rupees and sell in binance today in 65cr inr after paying tax maybe or transferring some in us dollars still get 45 crore Inr
This is a really good series sir, definitely, it will help retail investors to become financially independent rather than fall pray to such agents who sale their products for their benefits.
Definitely, billionaires will be more in the near future and indirectly it will help our country.
Great 👍 👌 Alag alag situations ko financially handle krne k best tarike koi Sach me apse seekhe wow 👌
If there’s any financial educator in India at the same time who understands the situation as a family is one and only Ankur warikoo
One of the Best Investment Planning video, I ever seen. Thanks a lot Ankur Ji. This video is Really Helpful for the peoples who belongs to Middle Class and Lower Middle Class.
Beautifully presented. Hats off to u for providing genuine advice...Respect
A suggestion,if three years of insurance paid on policies ,then leave it as it is till maturity.
Keep policy documents safely and claim on maturity.
Correct 😊
Correct it will get converted into reduced paid up mode
I must say.tgat this is a very unique, very informative blog, thanks to Warikoo sir for sharing with us. Your blogs trains people of financial freedom with your first hand experience... 👍🏼 Thanks 🙏 once again
If I lost Everything,
I still have ME,
That’s enough to Rebuild everything,
Just the way it was
I'm from Pakistan and this vlog is life changing for hundreds of people god bless ankur ji
thanks for the advice sir i am 19 year old boy ....
now i know how to start the journey
and not repeat the same mistake ...........
39:53 got me little emotional
Puri video ek taraf aur last ka jo parents se related suggestions diya ❤❤❤❤ respect for you.
Lic me 3 year investment ho jane, aur uske baad hold ho jane per paisa nhi dubta guru ji ❤❤❤❤❤
You are like the big brother I never had. Your financial and personal counselling hits deep.
These contents are really really helpful and relatable 😊 would love to see more real life situations like this.. Thanks @ankur warikoo for being such a wonderful mentor👏🙏
I don't know about remaining insurers but IN LIC if you pay atleast 3 years premium you can surrender the policy at least you will get some amount 30-50%
Yes i recently surrender policy, cut 37%
Get a paid up policy instead rather then surrendering it
@@yashthosani8396 can u elaborate more in detail about this
If You surrendered your policy after 5 years then you refund your amount after some deduction..
Quite right . Stop paying premium and surrender at maturity.
This was a very touching episode. Thank you.
Ankur Warikoo you are doing such a great job...By giving such life changing advices that improves people's future along with their financial life too. May god bless you and give you good health. Keep up this good work and please do continue doing this Money Matters Series and inspire many more people.❤❤❤
I just loved this man...the way he explains everything is simple & soft. & Also you are very sweet & cool sir...
best video and a genuine helping hand
I am also trapped in this ULIP. was was not taking courage to close it, today I got the reason and courage to change. initiated the process 😊
Go ahead brother
I started 2000 SIP in Nippon in 2019. I invested 1.1L and gained a 1.19L.
Excellent video sir, I am sharing to my family members and friends and also personally persuing with my near ones.
I am going to retire in a year
I joined my service at 22 years.
At that time this much information was not available for that I regret.
The work which you are doing is very much useful to the society.
This is one of the social service.
This my first video which viewed in the late night.
I am going to view all your videos.
Thank you very much for your excellent service sir
🙏
Whole vedio is good but best advice by Ankur Wariko is at 39:54.
I started SIP of 10k/month. Currently I'm in 2.2Lakhs profit.
Konse fund me
@@jitugarg1050 quant tax plan direct
Which fund
@@BikerBro000 quant tax plan
G mar fund
Inflation left the chat.
So what do you suggest we dont invest at all lol
this is the best plan just start investing
@@gauravmishra1992 no . I don't say don't Invest . I am saying only that this people saying you have 14 croreeeeee. But this guy don't know then 14 cr will be something 3.5 cr.
@@SahilYadav-bz9yfabsolutely my friend but still better than the 1 crore which he will get after 30 years, with inflation adjusted should be some 17 - 18L.
@@SahilYadav-bz9yfstill he will at least have something in hand 3.5cr is not a small amount
@@np7001 yes but also 3 crs and 14 cr not same
I wanted to be the first to comment 😔but due to high rate of unemployment it seems like some people sleep here 🤨
😂
Very true
All the Best Sushant and you will achieve and I believe in you. Lot of good wishes to Ankur as well for making people financial freedom
This is the best productive video i have seen on TH-cam till date❤❤❤❤❤❤ Fully emotional fully motivational fully educational full of love from a brotherly guy.. What else we need to be motivated and get discipline in life?😍😍😍
Good content sir!!❤
My sallery is 40k and i am 29 year old investing from 8 years 20000 per month sip... Now my value is 22 lakh
how did you invest 20000 from 2016?? what was your salary then??
Kudos.. bro.. these are the real time examples.. hats off admire you..
Can u pls share the names of Funds you are investing since 8 years
Papa k Paisa invest karte honge aap...good
Last 4 minutes was really very valuable words and proper guidance....
The advice is worth following. Just use a SIP calculator that adjusts for inflation. And, use a more realistic annual return of 12%.
@warikoo Golden words at 40:55 "maa baap ko paise nahi Wakt chaiye"
😢 Sir same ❤
Hi.. Warikoo sir.. this is Prashant.. you are doing good job and these sessions are really helping us . I have one suggestion please get some guests who has already achieved there target 🎯 through sip .. that will help us to know what would be hurdles while entire journey and what would solution for those problems in continuation of Sip and investment.
Thankyou 😊
Expense ratio, exit load & tax
Expense ratio: 0.62%
Inclusive of GST
Exit load
Exit load of 1% if redeemed within 1 year.
Stamp duty on investment 0.005% (from July 1st, 2020)
Tax implications
Returns are taxed at 15%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 10% on returns of Rs 1 lakh+ in a financial year.
Sir you are guide about to do sip but please calculate with the exit load and other taxes of that particular indux fund
लास्ट का five मिनट जो पेरेंट्स पर दिये वो लाजवाब ।
I started sip of 2000 every month from last 4 years at the age of 24 it will be a long investment of up to 30 years and I will get 1.5cr at the age of 54 🎉
Following some tips from my brother turned into a decent win last month. Ever had a win that felt extra sweet because it came from a tip
1st Time, I have watched a video which is related to Finance & Money, and it took me 3 days to complete the same. But thankfully, it has enlightened me to learn about personal finance and its need and Of Course its course of action on how to secure a better future. Thank you Wariko Sir :-)
Pehli baar sir ko suna maine subscrib kabse kr rkha tha...And mai kahunga bohat achey insan h Sir..invstor ke sath sath..
Very useful for middle class indian as many people dont know this and they invest in traditional methods
Everything is fine but remember always keep cash in your bank account because if market crash than you can invest in short of time plus some medical emergency. Always keep cash and gold in your investment also.
This is one of best videos I have seen ever on financial planning. Thank you!😊
aapane iski Puri income ko SIP mein lagva Diya isko 5 sal ke bad mein koi gadi leni ho ya acchi bike leni Ho, or abhi isko khud ki shaadi karni hai uska kharcha or 20 sal bad mein usko bacchon ki shaadi karni hai uska kharcha wo Kahan se lekar aaega . 30 sal bad mein aapane Bata Diya iske pass 15 ya 20 karod honge lekin bich mein jo paise chahie wo kahan se aaenge...
my suggestion is that ki teen char SIP aisi karo jinko bich mein kabhi bhi Tod sake jab bhi jarurat pade, SIP is hisab se plan karo ki usko kb todna h(na ki sari ki sari SIP aapko 30 sal bad mein todni hai, kuchh sip aapko shaadi per todni hai, gadi lene pr todni hai ,bacchon ki shaadi per todni hai, )
my 1st comment on TH-cam video
Sip kab tk chalani h ye apke upar h. Jis din chaho us di. Pure paise nikal sakte ho yar. Sip koi time bounded nhi hoti. Ki kb tk hmko chalani h.
Sir your energy is very high when you suggest someone and viewers also become energetic, when watch your videos.... thanks 👍
All the best sushanth for your entire family life, You are so responsible that's why I salute you.... And thank you sir for your suggestion....
this is natural to found a responsible guy in bihar. family culture is sill here.
Just love his while ankur telling about the sip returns ❤
The Best Ankur sir.thanks a ton for showing us we can also earn cored rs . In our life by proper guidance by person like you.. too good 🙏🙏🙏🙏🙏
Sir Ye video me Rat ko 1 bage Dekh raha hu Pura video dekh liya Bahot hi maja aa gaya sir
India me Sir Bahot hi kam log hai jo aise Information ℹ️ itni achi tarah se de
Thank you So Much sir
40:00 very emotional and Effective words sir
He is bang on correct. I too had an LIC policy which I started in the beginning of career due to 80C. It was useless. Later I found out so many other options for 80C best was ELSS and NPS (80CDD) even medical insurance. So I stopped it. My agent kept telling me you’re making a blunder 😂. But I went ahead. It was an endowment plan so I got back part of money invested, took a loss of some 50k. If you have a PF it also acts like an insurance policy for your dependents no need to take additional life insurance
Sushant your story is very sad but you are very brave and strong brother go ahead God always with you 🙏