Very good collection of handy rules. As a retiree, I found the rule of 25x to be useful. If your monthly living expenses is Rs 50k, the annual amt is Rs 6 lakhs. Rule of 25x says, your retirement corpus should be 25*6= Rs 1.50 crores. This rule works more or less in the practical world after accounting for inflation. The inverse of this rule is called the 4% rule. You can safely withdraw 4% every year from the retirement corpus every year and ensure you don’t run out of money till the end. Of course this rule needs to be fine tuned to suit the individual and circumstances.
one thumbs up for your teaching and one thumbs up for your Graphics and that Graphics designer who is showing you in different ages .. shapes and shades...!!
Thank you very much. I used a Snapchat filter named Dmoney to record the teenage me. But yes, it was quite a challenge because ideally we should have used the Time Machine filter but they doesn't work on many Android phones. So my editor had to do some extra work to get that right. It's come out well .. appreciate it!
Thank you Divyam for this kind gesture. I am glad you are receiving good value and learnings from my video. Do share it with your friends and well-wisher & help me spread this knowledge to more and consequently grow this channel. Thx again!
11. Rule of 1/3 of Income 1/3 Income = min savings or investment 1/3 Income = max expenditure 1/3 Income = max Rent or Loan 12. Rule of 3x Bank Accounts - for Salary, Investments & Expenditure 13. Rule of Emergency Fund = 1x Annual Expenditure 14. Rule of Retirement Corpus= Annual Expenditure at the age one plans retirement x 20~30 times 15. Rule for Buying House= 5:20:40 = 5x Annual Income to be cost of house, 20years loan period, EMI @ 40% x Income
Hi Rajesh. Thank you very much for your kind appreciation and this gratuity. I'm glad you found this video useful. Please do go through some other videos on my channel and also share it with your friends.
Thanks Vikram. The 12.2% is something I discovered and I've been using it for the last year or so in many of my calculations. Try this calculation on Google: 1.122^20 .. and you'll see what I mean :)
Amazing communication skills with great clarity of thoughr. Very well presennted video for people to learn. Your videos are very informative. Keep up the good work
Thank you Shankar sir...the way you talk is comforting and calming...above everything else, the videos are very informative and unique from other channels.
Thank you Shankar for a video with these consolidated thumb rules, it really helps with quick comparison between two instruments. Looking forward to your next insightful video.
Hello Shankar, formula of 20k is the best. As You said instead of looking at crores one can You this formula to plan investment for retirement. Thank You
Thank you Shankar, complicated things taught in easy to grasp way. I do the same mistake of averaging down. Stop loss at 30 % is like enlightenment for me. Thank you. I did watch ur video in MOmf regarding FAB plan 👍🏻. Best wishes
Thank you Dr. Mahanta. Reminders are always useful .. or as they say: "classics never die" :) One of the thumbrules (12.2%) was special in my case, as it made it easier for me to pursue a 2nd career. Many times how an answer is shaped is as important as the answer
Hi Shankar Sir, I fallow your videos regularly and i feel they are very usefull. With your knowledge can you plan to make some videos for kids aging more then 11years which will help them start thinking on finance management or publish a course in online which they can subscribe and attend. I feel the way you explain and cover the concept will enlight young minds and this kind of education is not covered any where. Kindly think about it. 😊
If income tax on interest accrued from FD is taken into consideration or capital gain tax on equity sell (after 1 year of purchase) is considered then I could see lot of variation. Can you please explain with example as at one point of time you are going to liquidate the investment.
Shankarji One more Thumb rule is whenever market falls by 10 -15 % , its a easy time to Buy Stocks or do Lumpsum payment of MF than doing SIP. As Indian market is more volatile to domestics and various Geo political reasons, this opportunities come Twice in year. One Can easily wait and watch. This is similar to one video of SIP when Nifty is trading above 22-25 PE.
Thanks for sharing, Satish ji. Two related queries: a) What should be the dip value i.e. 10% or 15% or something else? b) What should be the lumpsum multiplier i.e. if SIP is 1000 rupees then then how much to buy on lumpsum - 5x or 10x I'll want to plug these numbers in my excel and see the results. Ofcourse, the performance will be up but want to know by how much :)
@@shankarnath please take this in QA session and for Education Purposes. Sir my question is Larsen & Toubro Infotech Ltd and Mind Tree merger happened and the Market price is INR 4850/- so is it reasonable valuation after merger to buy, SO going Forward HDFC LTD & HDFC Bank are going to be merged so is it going to be Beneficial for retail Investor like us . Should Retail Investor BUY HDFC LTD & HDFC Bank NOW or wait till it get listed and than BUY . Thanks in Advance
@@shankarnath NAV value will be cheaper when Market Falls 10-15 %, Also Units availed will be much more than a regular SIP . Another perspective in current Scenario stocks Like Asian Paints and Pidilite have Fallen 10-15 % from their High. Can Invest in them when such volatility happens
@@DiabloNemes The price is stretched and overvalued, Fii are selling above share . Wait for few days and price will come to reasonably sensible value .
Thank you Vishnuraj. I'm glad you are enjoying it. You are right - both, presentation & content is important when using an audio-visual media like videos. Infact I just recorded a video on "My First 100 Days as a TH-camr" where I want to share my experience with everyone because it's very likely that a majority of us will have to be a content creator in some capacity like speaking on a podcast, writing an article on Linkedin, making a presentation on a webinar, addressing a group of students etc. I hope my experiments, trials, tribulations & successes can accelerate that process for others.
Thanks for replying sir 🙏. Now I watched your investing in oneself video also. Many videos I'm watching multiple times and feeling the authenticity of content and presenting. Keep enjoying your journey sir 🙏
Thanks for your valuable insights.. the rule 15k * 12.5% * 15 years says some X amount you can get by investing in this principle.. my question is, in what all categories we should split this 15k to make this rule a foolproof?
Most welcome. There is no general formula for this and impossible to say what will work and what won't. It's more to do with one's own preference and I would have been most comfortable with a combination of 12k in multicap and 3k in an international fund. Do watch my video where I have explained it in detail (link: th-cam.com/video/bN5QdxY3RVs/w-d-xo.html) .. hope this helps
Very Great Content as you describe the content already i am familiar but the way you explained i like it very much.😀Sir can you make some video or training material for medium learner for stock selection under the thumbnail DIY.Thank you very much
Most welcome, Dhirendra ji .. school mein padte the na: "the answer and its working - both are important". Same way, the content & presentation goes together :) Also, thanks for your suggestion. I plan to make some online courses 4-5 months from now, once I have collected more info & feedback from viewers
Hello Shankar, thank you for putting out some very informative and interesting content! I have a question - is there any way to track the realtime underlying NAV of Nifty Bees since the traded value may be at a premium or discount to the underlying value. I tried searching on the internet but there doesn't seem to be any reliable source.
I'm most intrigued with 12.2% rule but I still don't understand how you did that calculation. For example if a 30 year old's monthly expenses would be 1L/month from 25 years from now when they'll be 55 so how should they calculate how much to invest using 12.2% rule?
12.2% is not for expenses, it's for growing wealth. Simple rule -- 1.122^20 = 10 .. so if you need to grow wealth to 10x, keep today's money in an instrument that gives 12.2% returns (most flexicap or multicap funds will fit the bill) and in 20 years, you should come close to 10 times -- that's the math of it
On the point of 20X times current income as a thumb rule for personal insurance, does it not need to scale along with your income increase. Also what is the best time for applying this number(interms of age). 1CR policies were really the trend 8 years ago, but given how the inflation is today, do you see a reason to top this up
Yes, it should. Thumbrules are never detailed but for specificity, I have covered this very point with a detailed calculation in my video: th-cam.com/video/RIUY127GyxE/w-d-xo.html
Very informative Content Mr.Shankar like always. Couple of Questions : Some fundamentally strong stocks fall by 30% due to various scenarios, like Dixon share recently falling around 30% in last 6 months. would you completely sell all your stocks or any thumbrule to sell partially. 2.Revisit your purchase after 1 week is a good strategy, I'm trying to follow this for stocks also watching it for a week or 2 if it will be available at discount, do you follow this for investments also or only for buying ? one of your point 20Y investing for 10X return is a good idea. But with what I've seen for retired people major expenses or their wealth erosion occurs on big ticket expense - something like children education & marriage, house renovation or their parents hospitalization (majorly no medical ins is not covered for 80+)
Thank you very much 1. Well, I might not have bought that stock six months back at a PE of 180. I generally keep away from low margin businesses due to the sensitivity factor & Dixon Tech is a 4% operating margin business 2. Yes, I follow the 1 week strategy for stocks aswell. There is a beautiful talk (not sure where I watched it) on how some procrastination is actually good and people make better decisions that way. So the sweet spot is between hurried decisions and never taking one 3. I would say different goals require different treatments. Same way, if guests are coming to my house, there will be different dishes as compared to when it's just me (daal chawal) or when my niece are home (french fries & burgers). The same applies here .. big ticket purchases need to be played on a different pitch and household expenses should have a different thought structure
Very sorry, I don't do 1-vs-1 financial consultations due to paucity of time at my end. The effort needed in making every video is quite a bit .. and 2 long videos & 2 short videos per week takes all 7 days of the week. I'm trying to find better solutions but am a bit handicapped currently.
For retirement, if my current monthly expenses is 30k, then I can retire today only if I have 30k * 12 months * 30 years = 10 Cr. Shouldn't I be calculating the required retirement fund like this?
Hello. 1. I've not come across a formula like this, maybe you can do some reading up on how to calculate retirement corpus 2. 30,000 multiplied by 12 multiplied by 30 comes to 1 crore (not 10 crores)
Hi, the Latw William O'Neil presented 9 situations in which a stock can be sold. I have presented a list in a video, please have a look. Link: th-cam.com/video/dJlRl0aJX3I/w-d-xo.html
Thank you for your suggestion, Ashish ji. I will certainly consider it once I can sort out this current channel's output (time, personnel) and monetization.
Thoughtful content $hankar Bro !! 😊. However identifying the 12.2% returns is the challenge, though we diverse the PF. More importantly consistency of % is an additional pain. Please explain on that area. I am regular SIP guy of index , small and international fund. Also i buy on dips as an booster based on the market movment. Infact i took 50% out when the market peaked last year and got my first new car. Now I am more of thinking, create a corpus through the funds and redeem it at the peak or some target amount - then purchase the AA+ AAA bonds. Continuing the sip by the payout earnings from the bonds. Though i am not sure, if i am doing right 🤔.
Thank you & wishing you the best. I explained the consistency part with some data in my video on Nifty All-Time Highs (please watch from minute 3 to minute 6) Link: th-cam.com/video/_nTdcneLMko/w-d-xo.html
Not just 10 rules, these are 10 GOLDEN RULES!! Thanks for sharing this with us Mr. Shankar !
My pleasure. Glad you liked it, Mayank!
How can I reach out to you for personalised guidance?
How can I reach out to you for personal guidance?
@@rsubrahmanyam Hi. I am coming up with a paid consultation module very soon. Please allow me a week or two to release this.
Very good collection of handy rules. As a retiree, I found the rule of 25x to be useful. If your monthly living expenses is Rs 50k, the annual amt is Rs 6 lakhs. Rule of 25x says, your retirement corpus should be 25*6= Rs 1.50 crores. This rule works more or less in the practical world after accounting for inflation. The inverse of this rule is called the 4% rule. You can safely withdraw 4% every year from the retirement corpus every year and ensure you don’t run out of money till the end. Of course this rule needs to be fine tuned to suit the individual and circumstances.
Glad you found it useful 🙌
one thumbs up for your teaching and one thumbs up for your Graphics and that Graphics designer who is showing you in different ages .. shapes and shades...!!
Thank you very much. I used a Snapchat filter named Dmoney to record the teenage me. But yes, it was quite a challenge because ideally we should have used the Time Machine filter but they doesn't work on many Android phones. So my editor had to do some extra work to get that right. It's come out well .. appreciate it!
This should be taught in school. Or as indction during joining for a new joinee. Thank you sir.
Most welcome. I'm glad you found it informative
Thanks Shankar for all your teachings. Getting really good value from your videos.
Thank you Divyam for this kind gesture. I am glad you are receiving good value and learnings from my video. Do share it with your friends and well-wisher & help me spread this knowledge to more and consequently grow this channel. Thx again!
11. Rule of 1/3 of Income
1/3 Income = min savings or investment
1/3 Income = max expenditure
1/3 Income = max Rent or Loan
12. Rule of 3x Bank Accounts - for Salary, Investments & Expenditure
13. Rule of Emergency Fund = 1x Annual Expenditure
14. Rule of Retirement Corpus= Annual Expenditure at the age one plans retirement x 20~30 times
15. Rule for Buying House= 5:20:40 = 5x Annual Income to be cost of house, 20years loan period, EMI @ 40% x Income
Thanks
Hi Rajesh. Thank you very much for your kind appreciation and this gratuity. I'm glad you found this video useful. Please do go through some other videos on my channel and also share it with your friends.
The 12.2% rule has more practical use than any other thumb rules 👍
Glad you found it useful
Xcellent information with 10 rules with realistic examples. No doubt it leads to economic growth 🎉 thanks a ton 🎉
Glad it was helpful!
Very nice your statement with basic share trading, I am realized the matter totally. Many thanks
Most welcome! Glad it was helpful 🙌
The 12.2 rule is a new one which I didn't know about. thank you for sharing this. Love your way of making videos sir. Never stop them 🙏
Thanks Vikram. The 12.2% is something I discovered and I've been using it for the last year or so in many of my calculations. Try this calculation on Google: 1.122^20 .. and you'll see what I mean :)
@@shankarnath does it mean whatever you invest in equity will become 10x in 20 years?
Thanks Shankar, you are one of the best Finfluencers out there. Learning a lot from you. Also attended your Webinar also, found very enriching.
Thanks a ton Deepesh. Happy to add value & play a small part in your financial journey
Amazing communication skills with great clarity of thoughr. Very well presennted video for people to learn. Your videos are very informative. Keep up the good work
Thank you very much!
Thank you Shankar sir...the way you talk is comforting and calming...above everything else, the videos are very informative and unique from other channels.
So nice of you. I am glad you are finding the content and presentation to your liking, Tejas
One of the most Informative video I have ever seen. Great content. Thanks a lot for sharing this useful information.
Glad you enjoyed it! Most welcome 🙌
Sir, you always deliver the best financial planning content - it's like your videos are the 10 commandments of personal finance.
So nice of you. Thank you very much, Sree
Excellent quality 👌
@@shankarnathSir no one explains like you.
SHARED.
Very usefull content ...If I came accross such content before 10 yrs I could have much savings right now
Glad you found it useful
Thank you for the information. You have explained all of them so well.
So nice of you, glad you liked it.
This is an extremely helpful video, Mr. Nath - thank you so much for making such videos!
Glad it was helpful! My pleasure
Sir with the kind of content you provide, and the knowledge you have, your channel deserves far more likes and subscribers
Thank you for your encouragement and vote of confidence, Atul
Great Sir, all the tidy concepts are clear through your posts Thank you
Most welcome. Glad you found the thumbrules useful and you'll apply it in your everyday financial life
Excellent presentation and valuable information, thank you very much sir, God Bless you always
Thank you very much for your kind appreciation and encouragement, Mr. Shivkumar
one of the best financial channel. Good!!! Keep going.
Thanks a ton
Thank you Shankar for a video with these consolidated thumb rules, it really helps with quick comparison between two instruments. Looking forward to your next insightful video.
Glad you liked it, Anujoy
I am always amazed and every video I watch ,i will learn something new and value added to the time . Appreciate your efforts🎉
Most welcome. Glad you found it useful and informative
Amazing rules! My favorites will be 6th and 9th.
Perfect. Glad you found these useful, Ejaj
Your videos are very unique and have lots of info. Thanks for sharing the info.
So nice of you. Glad you like them
Thanks a lot for providing valuable content.
Most welcome. Glad you liked it
Hello Shankar, formula of 20k is the best. As You said instead of looking at crores one can You this formula to plan investment for retirement. Thank You
Most welcome Balaji.
Very useful and eye opening rules for beginners like me.
Glad it was helpful!
Thank you Shankar, complicated things taught in easy to grasp way. I do the same mistake of averaging down. Stop loss at 30 % is like enlightenment for me. Thank you. I did watch ur video in MOmf regarding FAB plan 👍🏻. Best wishes
Thank you very much, Rajesh. Yes, it's a struggle for me everytime a stock goes below 30 but somehow I have learnt to be discompassionate about it
You are a great guide, thank you for all your videos
Most welcome. Glad you like them!
Most underrated channel 🙏🙏🙏
I appreciate that!
Superb video. I am sharing this video with my friends and family members. Thank you Shankar Nath.
Most welcome 🙌
Hi shankara gr8 perfection it makes u think at every point either you are earning or investing
Cool 🙌
Great video specially the 12.2% rule
Glad you liked it!
Sir ji, 10 plates of Chole BHATURE in lieu of 10 golden rules of investing. How & where to deliver my food content to you? 😜🍲
Thanks RDX. How about 18th or 25th of March? Connaught Place?
@@shankarnath sir, jahan bolenge! Shall I DM on IG for the dates & details?
@@lordrdx666 Yes please
Great , very educative video with some good insights! I categorise this as Good KT Videos!
Thanks! Glad you found it useful
Great content for the CHILD of all ages, who are pursuing personal finance.
Please enlighten us Mr Nath, always.
Thank you Dr. Mahanta. Reminders are always useful .. or as they say: "classics never die" :)
One of the thumbrules (12.2%) was special in my case, as it made it easier for me to pursue a 2nd career. Many times how an answer is shaped is as important as the answer
Thanks for sharing this with us Mr. Shankar !
My pleasure. Glad you found them useful
Hi Shankar Sir, I fallow your videos regularly and i feel they are very usefull. With your knowledge can you plan to make some videos for kids aging more then 11years which will help them start thinking on finance management or publish a course in online which they can subscribe and attend. I feel the way you explain and cover the concept will enlight young minds and this kind of education is not covered any where. Kindly think about it. 😊
Thank you for your appreciation and suggestion
If income tax on interest accrued from FD is taken into consideration or capital gain tax on equity sell (after 1 year of purchase) is considered then I could see lot of variation. Can you please explain with example as at one point of time you are going to liquidate the investment.
Thanks for the wonderful content Shankar sir..
My pleasure, glad you liked it
Very good and informative nicely presented!!!
Glad you liked it! Thank you
Very clear and simple
Glad you liked it
Once again very useful and informative video Mr Shankar Ji ! Thank you for this amazing content !
So nice of you. Thank you for your kind appreciation, Vineet
Good rules
Shankarji One more Thumb rule is whenever market falls by 10 -15 % , its a easy time to Buy Stocks or do Lumpsum payment of MF than doing SIP. As Indian market is more volatile to domestics and various Geo political reasons, this opportunities come Twice in year. One Can easily wait and watch. This is similar to one video of SIP when Nifty is trading above 22-25 PE.
Thanks for sharing, Satish ji. Two related queries:
a) What should be the dip value i.e. 10% or 15% or something else?
b) What should be the lumpsum multiplier i.e. if SIP is 1000 rupees then then how much to buy on lumpsum - 5x or 10x
I'll want to plug these numbers in my excel and see the results. Ofcourse, the performance will be up but want to know by how much :)
@@shankarnath please take this in QA session and for Education Purposes. Sir my question is Larsen & Toubro Infotech Ltd and Mind Tree merger happened and the Market price is INR 4850/- so is it reasonable valuation after merger to buy, SO going Forward HDFC LTD & HDFC Bank are going to be merged so is it going to be Beneficial for retail Investor like us . Should Retail Investor BUY HDFC LTD & HDFC Bank NOW or wait till it get listed and than BUY . Thanks in Advance
@@shankarnath NAV value will be cheaper when Market Falls 10-15 %,
Also Units availed will be much more than a regular SIP .
Another perspective in current Scenario stocks Like Asian Paints and Pidilite have Fallen 10-15 % from their High. Can Invest in them when such volatility happens
@@satishrana9735 but the P/E ratio of pidlite is too high🙃🙃🙃
@@DiabloNemes The price is stretched and overvalued, Fii are selling above share . Wait for few days and price will come to reasonably sensible value .
I'm the first one to comment even before watching. Always waiting to listen to you dear sir, absolutely great way of presenting great ideas.
Thank you Vishnuraj. I'm glad you are enjoying it. You are right - both, presentation & content is important when using an audio-visual media like videos. Infact I just recorded a video on "My First 100 Days as a TH-camr" where I want to share my experience with everyone because it's very likely that a majority of us will have to be a content creator in some capacity like speaking on a podcast, writing an article on Linkedin, making a presentation on a webinar, addressing a group of students etc. I hope my experiments, trials, tribulations & successes can accelerate that process for others.
Thanks for replying sir 🙏.
Now I watched your investing in oneself video also. Many videos I'm watching multiple times and feeling the authenticity of content and presenting.
Keep enjoying your journey sir 🙏
@@vishnurajmr9323 Thank you very much
Awesome content explained in a very crisp and clear format.. 🙂
Thanks a lot
Thank you for the useful content 😊
Glad it was helpful!
Does rule of 72 also applies for SIP mode investment??
Very helpful and useful video.❤
Thanks, glad you liked it
Thank you sir.
Most welcome 🙌
thank you for share rules 🙏
My pleasure!
As always, outstanding content. Thank you 🙌
Most welcome. Glad you found it useful.
Thanks for your valuable insights.. the rule 15k * 12.5% * 15 years says some X amount you can get by investing in this principle.. my question is, in what all categories we should split this 15k to make this rule a foolproof?
Most welcome. There is no general formula for this and impossible to say what will work and what won't. It's more to do with one's own preference and I would have been most comfortable with a combination of 12k in multicap and 3k in an international fund. Do watch my video where I have explained it in detail (link: th-cam.com/video/bN5QdxY3RVs/w-d-xo.html) .. hope this helps
@@shankarnath Thanks for your time
Very good knowledge..
Thanks!
Awesome contents as usual Mr. Shankar Ji.. Keep doing the same.. 🙂.. hats off to you for your great presentation..
Thanks a ton, Deiva. Appreciate your kind words
Thanks Shankar ji
On the stop loss rule is it 30% down from your buying price
OR
30% down from the peak after you buy ?
Thanks
Most welcome. It's 30% below my buying price
Anna nenga podra videos ellam super ah irukku
Thank you Suresh
Nice Learning Shankar ji 🙏
Thanks and welcome
Apart from content, u are the only one who has talent of making thumbnail at par with dhawan sir
Thank you very much
Very Useful.. especially for younger & New investor
🙌 Thanks
Very Great Content as you describe the content already i am familiar but the way you explained i like it very much.😀Sir can you make some video or training material for medium learner for stock selection under the thumbnail DIY.Thank you very much
Most welcome, Dhirendra ji .. school mein padte the na: "the answer and its working - both are important". Same way, the content & presentation goes together :)
Also, thanks for your suggestion. I plan to make some online courses 4-5 months from now, once I have collected more info & feedback from viewers
Sir i have to learn a lot from you. Like you as a mentor blessing for me
Wow...very very very helpful video
Thank you. Glad you liked it
Amazing video
Thanks!
Hello Shankar, thank you for putting out some very informative and interesting content! I have a question - is there any way to track the realtime underlying NAV of Nifty Bees since the traded value may be at a premium or discount to the underlying value. I tried searching on the internet but there doesn't seem to be any reliable source.
Most welcome. Apologies, I haven't come across some way of real-time tracking. Let me circle back if I find something
I'm most intrigued with 12.2% rule but I still don't understand how you did that calculation. For example if a 30 year old's monthly expenses would be 1L/month from 25 years from now when they'll be 55 so how should they calculate how much to invest using 12.2% rule?
12.2% is not for expenses, it's for growing wealth. Simple rule -- 1.122^20 = 10 .. so if you need to grow wealth to 10x, keep today's money in an instrument that gives 12.2% returns (most flexicap or multicap funds will fit the bill) and in 20 years, you should come close to 10 times -- that's the math of it
Great. Thank you very much
You are most welcome!
Nice content, thanks. Maybe someone will put these formulas in an app or Excel
Most welcome
On the point of 20X times current income as a thumb rule for personal insurance, does it not need to scale along with your income increase. Also what is the best time for applying this number(interms of age). 1CR policies were really the trend 8 years ago, but given how the inflation is today, do you see a reason to top this up
Yes, it should. Thumbrules are never detailed but for specificity, I have covered this very point with a detailed calculation in my video: th-cam.com/video/RIUY127GyxE/w-d-xo.html
You are good . Thank you
Welcome 😊
Insightful sir..very userful..
Glad to hear that. Thanks!
Amazing video brother ❤
Thank you so much 😀
This is full of golden strategies
Glad you found them useful
Very useful 👌
Thanks a lot
Thank you ❤
Most welcome
Amazing content Sir 👌
Thanks a ton
Excellent video sir
Thank you so much
Fully agree with your stop loss/averaging analogy. I too realized that I kept averaging down losers while not adding much to my winning positions
Thanks for sharing, Mohit
Great 12.2% rule
Glad you found it useful
Please make video on health and term insurance
Is it useful and what is the criteria to select
I'll try. Thanks for the suggestion
amazing shankar sir
Thx. Glad you liked them
i feel subject should have been 10 key ratios of finance than thumb rules , but really informative video
Thx for your suggestion. Glad you liked it
Very informative Content Mr.Shankar like always. Couple of Questions : Some fundamentally strong stocks fall by 30% due to various scenarios, like Dixon share recently falling around 30% in last 6 months. would you completely sell all your stocks or any thumbrule to sell partially. 2.Revisit your purchase after 1 week is a good strategy, I'm trying to follow this for stocks also watching it for a week or 2 if it will be available at discount, do you follow this for investments also or only for buying ? one of your point 20Y investing for 10X return is a good idea. But with what I've seen for retired people major expenses or their wealth erosion occurs on big ticket expense - something like children education & marriage, house renovation or their parents hospitalization (majorly no medical ins is not covered for 80+)
Thank you very much
1. Well, I might not have bought that stock six months back at a PE of 180. I generally keep away from low margin businesses due to the sensitivity factor & Dixon Tech is a 4% operating margin business
2. Yes, I follow the 1 week strategy for stocks aswell. There is a beautiful talk (not sure where I watched it) on how some procrastination is actually good and people make better decisions that way. So the sweet spot is between hurried decisions and never taking one
3. I would say different goals require different treatments. Same way, if guests are coming to my house, there will be different dishes as compared to when it's just me (daal chawal) or when my niece are home (french fries & burgers). The same applies here .. big ticket purchases need to be played on a different pitch and household expenses should have a different thought structure
Thank you Mr.Shankar for your reply. I'm truly your fan I loved your replies. Thanks Mohan
Excellent
Thanks!
Sir, do you give financial advice ? I need to invest alot of money after selling a real estate. Need help.
Very sorry, I don't do 1-vs-1 financial consultations due to paucity of time at my end. The effort needed in making every video is quite a bit .. and 2 long videos & 2 short videos per week takes all 7 days of the week. I'm trying to find better solutions but am a bit handicapped currently.
Stopped watching @ the 11th Sec. Thought of liking the video first. OK, now lemme watch the video. Thanku!
Hope you liked the content. It's simple yet useful.
Good video
Thanks
For retirement, if my current monthly expenses is 30k, then I can retire today only if I have 30k * 12 months * 30 years = 10 Cr. Shouldn't I be calculating the required retirement fund like this?
Hello.
1. I've not come across a formula like this, maybe you can do some reading up on how to calculate retirement corpus
2. 30,000 multiplied by 12 multiplied by 30 comes to 1 crore (not 10 crores)
When to book profit? When stocks are going up?
Hi, the Latw William O'Neil presented 9 situations in which a stock can be sold. I have presented a list in a video, please have a look. Link: th-cam.com/video/dJlRl0aJX3I/w-d-xo.html
You should start one more channel specially for the Hindi audiance...it will be a profitable investment..
Thank you for your suggestion, Ashish ji. I will certainly consider it once I can sort out this current channel's output (time, personnel) and monetization.
Thoughtful content $hankar Bro !! 😊. However identifying the 12.2% returns is the challenge, though we diverse the PF. More importantly consistency of % is an additional pain. Please explain on that area. I am regular SIP guy of index , small and international fund. Also i buy on dips as an booster based on the market movment. Infact i took 50% out when the market peaked last year and got my first new car. Now I am more of thinking, create a corpus through the funds and redeem it at the peak or some target amount - then purchase the AA+ AAA bonds. Continuing the sip by the payout earnings from the bonds. Though i am not sure, if i am doing right 🤔.
Thank you & wishing you the best. I explained the consistency part with some data in my video on Nifty All-Time Highs (please watch from minute 3 to minute 6)
Link: th-cam.com/video/_nTdcneLMko/w-d-xo.html
12.2% Rule is interesting
Glad you found it useful
On the asset allocation though I believe the rule is over rated. Buffett at 94 something is all equities n happy 😺
Just owsam sir
Thanks
Gr8 video
Thanks
Nice video
Thanks
I have seen your videos thru ET Money. Are you still in ETMoney. I started investing in MF thru ETMoney after watching your videos
Glad to know that. Pls do visit my Linkedin profile, I keep it updated
@@shankarnath thank you