If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9JPUBp8Wo9nZQi7 Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/ SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6i4vs 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. Start your own business: bigrock-in.sjv.io/6eZ1KK My bestselling books: ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
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 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets 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. Let’s connect online: 🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoqydK6hszvi4DFywg 📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/ 📱 Instagram: instagram.com/ankurwarikoo 🐦 Twitter: twitter.com/warikoo 👨🏻💻 LinkedIn: www.linkedin.com/in/warikoo 😄 Facebook: facebook.com/awarikoo/ 🖋 Daily Blog: ankurwarikoo.com/blog/
Cant let Ankur know how much each episode of this series has motivated me and thousands of others ...Its like the SURABHI show of the 90s on Doordarshan aired every Sunday ... Highly informative and highly addictive....💐💐💐
Fabulous episodes one after another. Simplifies decade long issue in few minutes. My heart felt wishes Ankur Sir from London for all the guidance throughout via each of your episodes . Big Thank you Astha
I think the biggest thing which got missed here is inflation. the value of 12 cr in today’s terms, after 20 years with an inflation rate of 6%, would be only ₹3.74 cr and for her daughter's education he will be having ~45 lakhs only.
Financial literacy is need of the hour , kudos to you sir for contributing your knowledge to others, thank you for redirecting people for better decisions 👍👍👍
@warikoo sir..huge fan of you because you are good human being taking time to help the needy by educating them to achieve ther financial planning and to meet goals in life. NOT A EASY JOB YOU ARE DOING IT FOR A COMMUNITY THAT TOO FREE!!!HATS OFF!! More respect to you sir!!
*Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult*
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
I'm favoured, $90K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
Good day all👍🏻from Australia 🇦🇺 I have read a lot of posts that people are very happy with the financial guidance he is giving them! What way can I get to him exactly ?
So happy to see that his wife is earning more than him. Women’s in India are really progressing. Let’s raise this bar higher and higher. We need such equality in every Indian household 🎉
Nice episode. One feedback: Their health insurance of 10L base and 90L super top up is not sufficient to take care of health needs. All planning can go haywire just because of this one wrong step.
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Monica Lisa Payne turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Was the House maids expenses covered in above excel. No expenses like traineres for gym and fitness covered. Foreighn tours every year or two year. Diwali functions. New car purchase after 7-10 years. Renovations expenses of atleast one house apporox wud cost 10 lakh. Planning I will surely keep atleast 10 lakh as a emmegancy fund. Only totally depending on SIP i wud surely invest in some business or start-up. With such kind of income like almost 3 lakh per month. I wud definitely do atleast 1 lkah a year of Temple donataion. Currently do 20 k yearly temple donation . As I grow old my requirements should get less and less. After the age of 80 years. (HopingI wud definitely look for earning sufficient so that my after retirement monthly return could be 1lakh a month. That wud cover my House helps salary and medicine covers without depending on kids)
One thing is clear from this episode, Earning bid does not necessarily means knowing well in personal finances, Guys don't know SIP name which he and his wife invested . Also what's is click to wealth policy ?? @@warikoo
@@warikooneed a small suggest , i have 3684 getting freed next month , should i use it to prepay my home loan or add it to MF , HL is 34Lakhs , 9.4 for 20 years, 2 montha passed.
Sell brothers house , ask brother to take care of his own , shift ur parents with you into a rental apartment (big one )give parent's house on rent , sell the shop put ur money all together in mutual funds retire rice after 10 years .
what a humble personality! thoughtful inputs to help people plan their financials and be confident for future ahead. good job. @warikoo did this plan considered any liquidity need or like emergency fund ?
Fear and uncertainty create major wealth. It's those who take the risk and have strong gut to endure the bloody days. When i notice extreme dips i tend to actually move more money to crypto..
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
I think it's better not to do step up SIP instead do simple SIP + do extra lumsum when nifty 50 goes below -5% it will give you more returns in long term. And don't do SIP in mutual funds instead do SIP in Index fund or ETF.
Hi Ankur, not sure if it makes sense but i think if he can pay the loans by selling off the shop and then put the emi money in SIP it could help him save more and then plan to get a flat by putting the one of the parents house on rent. Just a suggestion Don’t know if its feasible or not.
No bank balance No 6-12 months safety net After expenses everything invested in SIP, not sure if that’s practical But Ankur great job creating these videos…
exactly , at age of 42 they dont have any emergency corpus in form of FD or iin Saving Bank. they are paying too much in 2 homelans, 2 car loans + house Rent only
Problem is not with SIP, problem is when there is an emergency there necessiates withdrawal of this sips somewhere in middle way there reduces it's accumulation of the big nos that you are speaking.
SIr i have been planning my future based on your videos and i have a few questions : 1) Request you to please consider Time value of money / Inflation when showing return of SIP after 10/15 years 2) Risk involved in investing in SIP specially MId and small cap cause i think indian stock market in highly inflated 3) Consider investing amount right now in certain Real estate or go for these investments 4) Please consider the Tax amount that needs to be paid when cashing out these SIP / Investments.
I am 22 years Old I started my journey of As an IT professional as well as I also started SIP as earlier sir said in last video that Little bit In Nifty50, Midcap and Small cap
Your videos are really motivating us to be a calculated and disciplined investor. But sir one thing I want to say is that wouldn't it be a good idea to park the lump sum amount in tier 2 of NPS rather than to go for bank FD?
Also there are many credit society which offer almost 10 -11 percent on FD. 6 percent fd mein kuch nahi hai. Infact Idfc first bank offer 7.25 fd return. In credit society with 10 percent return If u have fd capacity of 30 lakh then thats almost 1.2 lakh more of revenue if fd is only 6 percent in SBI type bank. We r doing in navi mumbai
After retirement you will not have any money coming to you in the form of salary, How one can keep their respective SIPs that too step up is very difficult. Why don't one be practical enough to think all these small small points. And these small points will have a material financial impact on a long run.
How easy it is to say after 20 years the value will be 10 crore.. no body talks about the tax we need to pay. 12.5% as of now on the profits, which means 1.25 crore gone in tax. Down the line in 20 years no one knows how the tax structure will be... please advise from that perspective as well
At last a video involving salaried class people with relatable income levels. Every other finance you tuber is interviewing guys who have already made x crores at the age of 25 or 35. While these guys need to be appreciated for their risk taking abilities and hard work but they represent only very miniscule percentage of population. The majority is salaried class and do not have the courage to start their own buisness and take major risks. Thanks for taking to man with whome masses can relate 😊
ये बढ़िया एपिसोड है अंकुर क्योंकि मैं भी 45 का हूँ. और मैं खुद से 35K हर महीने MF में डालता हूँ मेरा NPS 26K/month जाता है. मैं 5 करोड़ 2035 तक बनाना चाहता हूँ.
He didn't share which SIP he was sharing .and he didn't which one was his friend investing ..can't trust. He blindly invested in SIP without knowing abt it ????
That's how it works for most of the ppl in India. Many don't know where they are investing, they just blindly go by advise of the friends and relatives. Very few ppl do their homework before investing.
He clearly told that his friend explained in which SIP investment is being done, but he didn't remember now, commenting without watching the video properly
He has good saving contribution in safe instruments; however I still feel he can save more by doing something with regards to office travel cost. He should not save in HDFC click to protect & SUkanya scheme as the returns that he can expect would not be grt. He can invest the same in Nifty Index
Inflation is not considered for daughters education - educational inflation is one of the highest - 1 CR of today means they will require close to 2 cr in 10 years assuming 12-13% educational inflation
But by any chance all the money invested somehow failed to deliver returns so the whole amount will be undervalued and it will take years to recover money ...... If the lumpsum amount of lic can be invested in the form of FD which is the safest option along with a 10k RD per month.... The returns will be slightly less but the safest and tension free option , alongside ongoing sip ... Which from my POV is a safer option ......
I really like this series's, but to be honest, eitther chosen prpfiles are very young age, or senior folks are very well placed. What about people reasonably starting late saving and retiring, so having about 15 years in hand. How they can plan retirement...would be great to know
Thanks for sharing these valuable video.....why don't you share a video with a homemaker in her middle age....and share how even homemakers can save and make good money over a period of 10-15years. Thanks again.
Mujhe samajh ni aaya agar chote bhai us ghar me rah rahe hai aur vo financially independent hai to ye kyo unke emi pay kar rahe, agar vo nahi de pa rahe ya kuch issue hota aur ye pay kar rahe hote to samajh aata. 😮😮
Pls also tell how much will mutual fund companies will charge. And also long term capital gain tax. I calculated for 20k sip for 20 years with 12% return and 10% step-up. Total amount u will end up paying to MF companies will be 36 lacs approx plus 25 lacs long term capital gain tax. Approx 60 lacs. But still i guess better then FD, etc.
Hai, Instead of selling that shop, let it be rented and that rent can be used to pay house rent wright. And the same for the house, as the selling and buying registration cost will be saved wright.
I have only 80 k rupees of my savings and i am jobless too, house wife and mother of 2 kids Husband is working and bear all expenses of the family Can you advice me what to with such little amount?? 😊😊
I really a fan of you I have started investing watching your videos but I don't have much knowledge. If you can guide and show path for myself. Living in UAE for job from Mumbai. I was planning to opt for loan but don't wanna ruin my time if can guide me owning own house independent. IT Professional age is 24years
Ankur, need your help to start with investment. I am a beginner & have gone through the beginner video of yours. Still need your guidance on Low risk investment companies
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/uj9JPUBp8Wo9nZQi7
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6i4vs
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.
Start your own business: bigrock-in.sjv.io/6eZ1KK
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
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
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
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.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoqydK6hszvi4DFywg
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
📱 Instagram: instagram.com/ankurwarikoo
🐦 Twitter: twitter.com/warikoo
👨🏻💻 LinkedIn: www.linkedin.com/in/warikoo
😄 Facebook: facebook.com/awarikoo/
🖋 Daily Blog: ankurwarikoo.com/blog/
Love from Bangladesh
@warikoo reply for gen z way if u r true
Thanku sir 40 age ki bhi exeple share Kiya but sir pls shar same age but packeg around 7 to 10 lkh
give answer on gen-z way video
Sir mai 10,000 rs meri income h, . Mai kaise invest kru. Mujhe v kuch tips dijiye sir plz ,. Meri age 32 yrs h .
Guy : I plan to retire after 10 years
Warikoo : do a step up SIP for 20 years 😂
Cant let Ankur know how much each episode of this series has motivated me and thousands of others ...Its like the SURABHI show of the 90s on Doordarshan aired every Sunday ... Highly informative and highly addictive....💐💐💐
❤️❤️❤️
Fabulous episodes one after another. Simplifies decade long issue in few minutes. My heart felt wishes Ankur Sir from London for all the guidance throughout via each of your episodes .
Big Thank you
Astha
Kya faltu ka video daily chap rahe ,12 crore uske kaise banege kuch bhi financial planning nhi disaster planning chal rahi hai
Thanku Ankur for guiding me how to calculate, spend and invest the money.
I think the biggest thing which got missed here is inflation.
the value of 12 cr in today’s terms, after 20 years with an inflation rate of 6%, would be only ₹3.74 cr
and for her daughter's education he will be having ~45 lakhs only.
I think he mentions multiple times that he's talking of the value in today's terms, not the face value.
Step up sip with 5% was done to balance the inflation ig
@@vinaynavale8666 Step-up was done to balance inflation as well as to keep up with potential salary increase per year
Financial literacy is need of the hour , kudos to you sir for contributing your knowledge to others, thank you for redirecting people for better decisions 👍👍👍
IMPORTANT - PF can be held after retirement for 3 more years
FD - 6% pre tax
PF -8.15 post tax
Ankur Warikoo - pls do make a kind note
I think Ankur took that route to cater for a very liquid asset.
This man really have a great voice and communication skills 🔥
We shud thank Mr Ankur for very precise calculation and financial planning . Was upset the guest did not thank him much
I was so ingrossed in this video. So shocked to see the power of compounding in the end. very interesting and didnt know how this episode ended.
@warikoo sir..huge fan of you because you are good human being taking time to help the needy by educating them to achieve ther financial planning and to meet goals in life. NOT A EASY JOB YOU ARE DOING IT FOR A COMMUNITY THAT TOO FREE!!!HATS OFF!!
More respect to you sir!!
Kon si community, paise mil rahe isko
Ankur there is more in life than money. Man I was so impressed with your talks on productivity, health etc. But now it is just money money money.
It's not all about money. True.
00:24 money matters is the name of the series
*Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult*
Waking up every 14th of each month to 210,000 dollars it's a blessing to I and my family... Big gratitude to Jeff Clark 🙌
Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Jeff Clark, has been an amazing experience.
I'm favoured, $90K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Mr Jeff Clark
Good day all👍🏻from Australia 🇦🇺 I have read a lot of posts that people are very happy with the financial guidance he is giving them! What way can I get to him exactly ?
he's mostly on Telegrams, using the user-name
Respect for Gen z way 💪📈
25 din mein paisa double🤡🤡
@@soumyadas9939 jor jor se bolke logo ko scame bata de
He is not gen z he is gen y , gen z is born after 2021
@@ranjitmenon5178 you'll not understand kid
@@ranjitmenon5178 just go and search gen z way and watch his letest video
Nice financial plan... I think they both 😊should have emergency fund as well at least for 6months
So happy to see that his wife is earning more than him. Women’s in India are really progressing. Let’s raise this bar higher and higher. We need such equality in every Indian household 🎉
Nice episode. One feedback: Their health insurance of 10L base and 90L super top up is not sufficient to take care of health needs. All planning can go haywire just because of this one wrong step.
Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I definitely share your sentiment about these firms. Finding financial advisors like Monica Lisa Payne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Monica Lisa Payne turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Was the House maids expenses covered in above excel.
No expenses like traineres for gym and fitness covered.
Foreighn tours every year or two year.
Diwali functions.
New car purchase after 7-10 years.
Renovations expenses of atleast one house apporox wud cost 10 lakh.
Planning
I will surely keep atleast 10 lakh as a emmegancy fund.
Only totally depending on SIP i wud surely invest in some business or start-up.
With such kind of income like almost 3 lakh per month.
I wud definitely do atleast 1 lkah a year of Temple donataion. Currently do 20 k yearly temple donation .
As I grow old my requirements should get less and less.
After the age of 80 years.
(HopingI wud definitely look for earning sufficient so that my after retirement monthly return could be 1lakh a month.
That wud cover my House helps salary and medicine covers without depending on kids)
Conversation like a doctor and a patient.
Great motivation to people, great work by you Sir
With due respect to Ankur Warikoo, I blv If both are earning that much, its better to hire a "Certified Financial Planner" to plan their finance.
Agree
One thing is clear from this episode, Earning bid does not necessarily means knowing well in personal finances, Guys don't know SIP name which he and his wife invested . Also what's is click to wealth policy ?? @@warikoo
@@warikooneed a small suggest , i have 3684 getting freed next month , should i use it to prepay my home loan or add it to MF , HL is 34Lakhs , 9.4 for 20 years, 2 montha passed.
Whi came after gen g away ?
Sell brothers house , ask brother to take care of his own , shift ur parents with you into a rental apartment (big one )give parent's house on rent , sell the shop put ur money all together in mutual funds retire rice after 10 years .
Clearly he values relationships unlike you . Good luck with your loneliness
Great advice n learning a lot of things
what a humble personality! thoughtful inputs to help people plan their financials and be confident for future ahead. good job. @warikoo did this plan considered any liquidity need or like emergency fund ?
Fear and uncertainty create major wealth. It's those who take the risk and have strong gut to endure the bloody days. When i notice extreme dips i tend to actually move more money to crypto..
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
I'm surprised that you just mentioned and recommend Mr Brian Nelson. I met him at a conference in 2018 and we have been working together ever since.
Warikoo advise ur clients to donate also because so many people are living from day to day income.
I think it's better not to do step up SIP instead do simple SIP + do extra lumsum when nifty 50 goes below -5% it will give you more returns in long term. And don't do SIP in mutual funds instead do SIP in Index fund or ETF.
hey ritik, thoda bataoge why to go for ETFs instead of MFs cos ive started doing sip in MF
@@sushyyyyyyyyetf dont have expense ration and exit load and its easy invest but in mf you dont know which nav u will get
Hi Ankur, not sure if it makes sense but i think if he can pay the loans by selling off the shop and then put the emi money in SIP it could help him save more and then plan to get a flat by putting the one of the parents house on rent. Just a suggestion Don’t know if its feasible or not.
No bank balance
No 6-12 months safety net
After expenses everything invested in SIP, not sure if that’s practical
But Ankur great job creating these videos…
exactly , at age of 42 they dont have any emergency corpus in form of FD or iin Saving Bank. they are paying too much in 2 homelans, 2 car loans + house Rent only
You are doing good job
Problem is not with SIP, problem is when there is an emergency there necessiates withdrawal of this sips somewhere in middle way there reduces it's accumulation of the big nos that you are speaking.
SIr i have been planning my future based on your videos and i have a few questions :
1) Request you to please consider Time value of money / Inflation when showing return of SIP after 10/15 years
2) Risk involved in investing in SIP specially MId and small cap cause i think indian stock market in highly inflated
3) Consider investing amount right now in certain Real estate or go for these investments
4) Please consider the Tax amount that needs to be paid when cashing out these SIP / Investments.
What's app
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Thank you Ekansh and Ankur. Lovely session
What's app
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these conversations opens up our mind...❤❤
I am 22 years Old I started my journey of As an IT professional as well as I also started SIP as earlier sir said in last video that Little bit In Nifty50, Midcap and Small cap
Wonderfully done !🎉
Your videos are really motivating us to be a calculated and disciplined investor.
But sir one thing I want to say is that wouldn't it be a good idea to park the lump sum amount in tier 2 of NPS rather than to go for bank FD?
In hand monthly is 2.85 lakhs whereas expenditure plus investments are more than the income. I think he didn't tell his correct in hand salary.
Bar bar ankur bolrahay ya Ankuk😂.
He is talking nonsense 55 lakh for 2 bhai but intamment is 17500
Hello Ankur Sir, Really such a useful series... And best thing you are covering middle class people.... Amazing sir 😊
Also there are many credit society which offer almost 10 -11 percent on FD. 6 percent fd mein kuch nahi hai.
Infact Idfc first bank offer 7.25 fd return.
In credit society with 10 percent return
If u have fd capacity of 30 lakh then thats almost 1.2 lakh more of revenue if fd is only 6 percent in SBI type bank.
We r doing in navi mumbai
Awesome Sir ❤
After retirement you will not have any money coming to you in the form of salary, How one can keep their respective SIPs that too step up is very difficult.
Why don't one be practical enough to think all these small small points. And these small points will have a material financial impact on a long run.
From this conversation, It seems an excessive income leads to haphazard investment & clueless approach!!!
Ohhh, Here I see Ekansh who has worked with me in Accenture (TC). Good to see him here
This type of analysis should be conducted with someone who have 40-50K monthly salary. Then only this will be helpfull for others.
Hi Ankoor Sir,
I am from Canada, please make videos for NRI investor.
Wonderful sir
How easy it is to say after 20 years the value will be 10 crore.. no body talks about the tax we need to pay. 12.5% as of now on the profits, which means 1.25 crore gone in tax. Down the line in 20 years no one knows how the tax structure will be... please advise from that perspective as well
Congratulations I would be liked your pre planned activities thank you so much
Kindly plz make video on systemic withdrawal plan..is it worth? Thank u...such a clear and easily understanding video about investment..
At last a video involving salaried class people with relatable income levels.
Every other finance you tuber is interviewing guys who have already made x crores at the age of 25 or 35. While these guys need to be appreciated for their risk taking abilities and hard work but they represent only very miniscule percentage of population.
The majority is salaried class and do not have the courage to start their own buisness and take major risks.
Thanks for taking to man with whome masses can relate 😊
The PF amount he mentioned must include company contribution too .. because you can't have so high pf on this salary ..
I am really wightg this video is my life chang every Saturday'❤❤❤
sukanya samridhi is taxfree 9.1 pc return... SIP is 12 oc with capital gains.... with lots of risk
Very nice video
Great show
Sir awesome plans I also want plan for myself
sorry so say the actual in hand amount is differ by the total investment amount and monthly expenses is more than 3lack per month. kindly re verify
But r those values at retirement inflation adjusted? They look big but the current value equivalent will be more modest right?
Respect for GEN Z way.
ये बढ़िया एपिसोड है अंकुर क्योंकि मैं भी 45 का हूँ.
और मैं खुद से 35K हर महीने MF में डालता हूँ मेरा NPS 26K/month जाता है. मैं 5 करोड़ 2035 तक बनाना चाहता हूँ.
He didn't share which SIP he was sharing .and he didn't which one was his friend investing ..can't trust. He blindly invested in SIP without knowing abt it ????
That's how it works for most of the ppl in India. Many don't know where they are investing, they just blindly go by advise of the friends and relatives. Very few ppl do their homework before investing.
He clearly told that his friend explained in which SIP investment is being done, but he didn't remember now, commenting without watching the video properly
He doesn't want to reveal. That's how smart people are,don't reveal their secrets out of fear that others will leave them behind
Sir *Gen z way ke liye* video banao
He has good saving contribution in safe instruments; however I still feel he can save more by doing something with regards to office travel cost. He should not save in HDFC click to protect & SUkanya scheme as the returns that he can expect would not be grt. He can invest the same in Nifty Index
Inflation is not considered for daughters education - educational inflation is one of the highest - 1 CR of today means they will require close to 2 cr in 10 years assuming 12-13% educational inflation
But by any chance all the money invested somehow failed to deliver returns so the whole amount will be undervalued and it will take years to recover money ...... If the lumpsum amount of lic can be invested in the form of FD which is the safest option along with a 10k RD per month.... The returns will be slightly less but the safest and tension free option , alongside ongoing sip ... Which from my POV is a safer option ......
Long term is the keyword here..market always recovers even in recession in 5-7 year timeline, even LIC invest your money into market only !!
10K RD is too much safe option!! If you have emergency funds in RD as liquid then no need of extra recurring RDs
if one is not willing to take reasonable risks then he should forget about getting rich or getting a good life
First 20 mins is data collection. Best it’s done ahead of recording
Always new experiences
Very good episode!
Good work sir
The monthly expense is more than income? So are they having 0₹ end of month
I really like this series's, but to be honest, eitther chosen prpfiles are very young age, or senior folks are very well placed. What about people reasonably starting late saving and retiring, so having about 15 years in hand. How they can plan retirement...would be great to know
Thanks for sharing these valuable video.....why don't you share a video with a homemaker in her middle age....and share how even homemakers can save and make good money over a period of 10-15years. Thanks again.
Me watching this video with 23.6rs bank balance 🥹
Tumheri bhi meri trh bohut dukh bari kahani hain
Same here bro😂😂😂😂
Bdiya h abhi se sikhna suru kro paise ate hi set@@The_Engineer_Babu
Toh uska bhi SIP kar do....😂
Ditto
we really inspired to ur video's
u calculated each n every amazing 👍🏻
so good!
Believe me guys Warikoo sir is too much handsome.......!!
Should not invest 16-17 lakh as a lump sum.
Invest it in a liquid fund and then STP into an equity fund.
Hi Hrishikesh,
Can you pls explain this with an example. I didn't understand this fully. Any help will be appreciated.
Thanks in advance
Mere achaa hai sir main 19 year ka hu or mera invest 5 sal huye kar rahe hai . or aage or 😊. I am marwadi . ❤ is sal sip bhi chalu ki . 10% steup
Ankur sir I'm a big big fan of you I I learn everything with you my selery was 30k aap muje suggest karo kaun sa kaun sa sip karo pls sir😊
EPIC is his favourite word
Mujhe samajh ni aaya agar chote bhai us ghar me rah rahe hai aur vo financially independent hai to ye kyo unke emi pay kar rahe, agar vo nahi de pa rahe ya kuch issue hota aur ye pay kar rahe hote to samajh aata. 😮😮
Lovely ❤
Pls also tell how much will mutual fund companies will charge. And also long term capital gain tax.
I calculated for 20k sip for 20 years with 12% return and 10% step-up. Total amount u will end up paying to MF companies will be 36 lacs approx plus 25 lacs long term capital gain tax. Approx 60 lacs.
But still i guess better then FD, etc.
Hello Ankur,
Please if we could get one video on taxes involved in Mutual funds, it would be helpful...
Sir ik podcast self employed ka bhi lelo taki Jo self employed hai wo bhi financial independent ke aur chale
Hai,
Instead of selling that shop, let it be rented and that rent can be used to pay house rent wright.
And the same for the house, as the selling and buying registration cost will be saved wright.
Gen z way.. respect❤
I have only 80 k rupees of my savings and i am jobless too, house wife and mother of 2 kids
Husband is working and bear all expenses of the family
Can you advice me what to with such little amount?? 😊😊
Invest in gold safe and good returns when needed , better then risking in stocks sips
Respect Gen z content
I also mentioned in Instagram message, it's wrong myth Ankur that PF of employer and employee is same. Company never contribute above 1800 per month
In my case it is 3325 each from both, the employee as well as the employer.
Yor are great sir
Very nice information sir
3:15 mess up because of listening to the experts like u...😂
Sir please do video on present stage of cryptocurrency.
I really a fan of you I have started investing watching your videos but I don't have much knowledge. If you can guide and show path for myself. Living in UAE for job from Mumbai. I was planning to opt for loan but don't wanna ruin my time if can guide me owning own house independent. IT Professional age is 24years
Ankur, need your help to start with investment. I am a beginner & have gone through the beginner video of yours. Still need your guidance on Low risk investment companies
Sir, Love From Bangladesh ❤
Aree bhai sambhal kar rahio ❤
@@SCRAWLEDPAGE ok bhai
his total expenses and investments exceeded his total monthly salary , how?
Wo 30k + 40k + 8k ka jo monthly expenses nikaale hain wo pakka 35k ke arpund rehta hoga😅😅😂
Bolne me sharam aa rahi hogi😅😅
Bhai poori vedio me kitne bari bola hai aur screen pe dikha rhe hai ki his wife also working with 1.70 L salary per month
@@PookieJaatni still expenses 3 lakh 5 thousand and earning 2 lakh 85 thousand hai madam 😁😅