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INDmoney
India
Приєднався 1 чер 2020
INDmoney: India ka Super Money App is where you can TRACK, INVEST & GROW your money across all your family members. Track your existing investments like stocks, ETFs, Mutual Funds, FDs & your expenses including loans & credit card while also investing in the Indian Share Market, US Stock Market, Mutual Funds, Fixed Deposits & buying insurance.
Our mission is to improve your financial future by helping you learn more about money through our short 5-minute crash course series called IND Learn. We also aim to keep you updated with the latest financial news & market trends while simplifying the fundamentals of finance.
Hit us up with your questions or suggestions so that we can build a financially literate community, together!
INDmoney believes in empowering viewers with knowledge & therefore, strictly shares educational content without any intention of influencing investment decisions. We strongly recommend that you conduct your research before making any investment decisions.
Our mission is to improve your financial future by helping you learn more about money through our short 5-minute crash course series called IND Learn. We also aim to keep you updated with the latest financial news & market trends while simplifying the fundamentals of finance.
Hit us up with your questions or suggestions so that we can build a financially literate community, together!
INDmoney believes in empowering viewers with knowledge & therefore, strictly shares educational content without any intention of influencing investment decisions. We strongly recommend that you conduct your research before making any investment decisions.
₹25 CRORE with Mutual Fund SIP | Power of Compounding | SWP Vs. SIP @Sanjay_Kathuria
🎙️ In this episode of the INDmoney Podcast, Aman sits down with Sanjay Kathuria, a self-made financial expert who achieved financial independence at an early age. Sanjay shares his incredible journey from building passive income streams to creating a robust retirement corpus, all while navigating the ups and downs of long-term investing.
💡 This conversation is packed with actionable insights for everyone, from late starters to Gen Z professionals. Whether you're earning a modest salary, debating between renting or buying a home, or simply trying to balance enjoying life and building wealth, this episode has something for you!
Here’s what you’ll learn:
✅ The power of compounding and starting your wealth journey at any age
✅ How to grow wealth from salary
✅ Tips for building passive income streams through SIPs and index funds
✅ Sanjay’s take on renting vs. buying a home and real estate investments
✅ Practical advice for balancing YOLO spending and long-term savings
✅ How to stay motivated through the challenges of wealth-building
✅ Is the SWP theory key to an infinite retirement corpus?
Whether you’re just starting out or looking to optimize your financial plan, Sanjay’s real-life experiences and Aman’s engaging questions will leave you inspired and equipped to take control of your financial future.
👉 Don’t miss this insightful discussion on wealth-building, retirement planning, and the myths of investing!
Hit Like, Subscribe, and Share if you found this podcast helpful, and let us know your biggest takeaway in the comments below!
Timestamps👇
00:00 - 01:05 - Intro
Introduction to Sanjay Kathuria and what this episode covers.
01:06 - 04:09 - Financial Independence - Sanjay’s Perspective
Sanjay’s take on achieving financial independence.
04:10 - 04:37 - Sanjay’s Monthly SIP Strategy
How much does Sanjay invest in SIPs every month?
04:38 - 07:29 - The Start of Sanjay’s Investment Journey
When and how Sanjay started his investment journey.
07:30 - 08:43 - Financial Mistakes Sanjay Regrets
The biggest mistakes Sanjay made in his financial journey.
08:44 - 12:44 - Why Corpus Building Takes Time
The reasons why building a corpus takes longer than expected.
12:43 - 17:24 - Wealth-Building Hacks for Gen Z
Tips for Gen Z to start building wealth effectively.
17:25 - 19:13 - Revamping Investments at 40
How to reset your investment strategy at age 40.
19:14 - 20:37 - Overcoming Gen Z’s FOMO Investing Culture
Sanjay on how to deal with the fear of missing out in investing.
20:38 - 24:06 - Are You Stuck in the Loan/EMI Cycle?
Breaking free from the loan and EMI trap.
25:17 - 28:48 - To Buy or Rent a House? The Ultimate Debate
Should you buy or rent a house? Sanjay’s perspective.
28:49 - 32:18 - Why You Shouldn’t Withdraw Investments Prematurely
The risks of withdrawing your investments early.
32:19 - 33:16 - Starting Small: Is It Worth Investing Tiny Amounts?
Why small investments can make a big difference.
33:17 - 34:27 - What Sanjay Would’ve Done Differently in His Career
Sanjay reflects on his career choices and lessons.
34:28 - 36:37 - “SIP on Dips”: The Strategy to Maximize Returns
How investing on dips can enhance returns.
36:38 - 40:13 - SIP vs. SWP: What’s the Better Move?
Comparing SIP and SWP to make the right choice.
#INDmoney #FinancialIndependence #PassiveIncome #WealthBuilding #RetirementPlanning #personalfinance
Disclaimer*
Information gathered and material used in this document is believed to be from reliable sources. The AMC however does not warrant the accuracy, reasonableness and / or completeness of any information. We have included statements / opinions / recommendations in this document, which contain words, or phrases such as “will”, “expect”, “should”, “believe” and similar expressions or variations of such expressions, that are “forward looking statements”. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on our services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc.
💡 This conversation is packed with actionable insights for everyone, from late starters to Gen Z professionals. Whether you're earning a modest salary, debating between renting or buying a home, or simply trying to balance enjoying life and building wealth, this episode has something for you!
Here’s what you’ll learn:
✅ The power of compounding and starting your wealth journey at any age
✅ How to grow wealth from salary
✅ Tips for building passive income streams through SIPs and index funds
✅ Sanjay’s take on renting vs. buying a home and real estate investments
✅ Practical advice for balancing YOLO spending and long-term savings
✅ How to stay motivated through the challenges of wealth-building
✅ Is the SWP theory key to an infinite retirement corpus?
Whether you’re just starting out or looking to optimize your financial plan, Sanjay’s real-life experiences and Aman’s engaging questions will leave you inspired and equipped to take control of your financial future.
👉 Don’t miss this insightful discussion on wealth-building, retirement planning, and the myths of investing!
Hit Like, Subscribe, and Share if you found this podcast helpful, and let us know your biggest takeaway in the comments below!
Timestamps👇
00:00 - 01:05 - Intro
Introduction to Sanjay Kathuria and what this episode covers.
01:06 - 04:09 - Financial Independence - Sanjay’s Perspective
Sanjay’s take on achieving financial independence.
04:10 - 04:37 - Sanjay’s Monthly SIP Strategy
How much does Sanjay invest in SIPs every month?
04:38 - 07:29 - The Start of Sanjay’s Investment Journey
When and how Sanjay started his investment journey.
07:30 - 08:43 - Financial Mistakes Sanjay Regrets
The biggest mistakes Sanjay made in his financial journey.
08:44 - 12:44 - Why Corpus Building Takes Time
The reasons why building a corpus takes longer than expected.
12:43 - 17:24 - Wealth-Building Hacks for Gen Z
Tips for Gen Z to start building wealth effectively.
17:25 - 19:13 - Revamping Investments at 40
How to reset your investment strategy at age 40.
19:14 - 20:37 - Overcoming Gen Z’s FOMO Investing Culture
Sanjay on how to deal with the fear of missing out in investing.
20:38 - 24:06 - Are You Stuck in the Loan/EMI Cycle?
Breaking free from the loan and EMI trap.
25:17 - 28:48 - To Buy or Rent a House? The Ultimate Debate
Should you buy or rent a house? Sanjay’s perspective.
28:49 - 32:18 - Why You Shouldn’t Withdraw Investments Prematurely
The risks of withdrawing your investments early.
32:19 - 33:16 - Starting Small: Is It Worth Investing Tiny Amounts?
Why small investments can make a big difference.
33:17 - 34:27 - What Sanjay Would’ve Done Differently in His Career
Sanjay reflects on his career choices and lessons.
34:28 - 36:37 - “SIP on Dips”: The Strategy to Maximize Returns
How investing on dips can enhance returns.
36:38 - 40:13 - SIP vs. SWP: What’s the Better Move?
Comparing SIP and SWP to make the right choice.
#INDmoney #FinancialIndependence #PassiveIncome #WealthBuilding #RetirementPlanning #personalfinance
Disclaimer*
Information gathered and material used in this document is believed to be from reliable sources. The AMC however does not warrant the accuracy, reasonableness and / or completeness of any information. We have included statements / opinions / recommendations in this document, which contain words, or phrases such as “will”, “expect”, “should”, “believe” and similar expressions or variations of such expressions, that are “forward looking statements”. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on our services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc.
Переглядів: 35 586
Відео
How To Read Candlestick Charts FAST (Beginner's Guide) | Candlesticks Course
Переглядів 1,4 тис.12 годин тому
In this video, you’ll learn the basics of #Candlesticks. What are they, how to read them, what candlesticks tells us about the #stockmarket and more. If you’re new to #trading and #technicalanalysis, this will serve as the perfect guide for you! Timestamps: 0:00 - 0:20 - Introduction 0:20 - 1:14 - What are Candlesticks? 1:15 - 1:50 - Understanding Candlesticks? 1:51 - 3:20 - Read Candlesticks o...
DON'T Retire Early | F.I.R.E is a Myth | Reality of Early Retirement in India Ft. @AlokJain
Переглядів 49 тис.16 годин тому
#financialfreedom #earlyretirement #retirement Why FIRE (Financial Independence Retire Early) early can ruin your finances🎙️ In this eye-opening podcast, we have an engaging conversation with Mr. Alok Jain, founder of Weekend Investing, about the realities of retirement planning, the misconceptions around early retirement. Meanwhile we also touch the nuances of momentum investing. With the FIRE...
5 Shocking Truths About Stock Market | Trading In The Zone
Переглядів 1,1 тис.21 годину тому
🎬 Trading in the Zone by Mark Douglas - A Book Review with a Twist! | Suresh & Ramesh's Trading Journey 🎬 In this engaging and relatable skit, we dive into Mark Douglas's classic finance book, Trading in the Zone. Join our host as they guide Ramesh, a struggling trader, through the secrets that make Suresh a consistent winner in the markets. 📈 This video is structured into three main segments 👇...
How To Invest in an IPO? Best Strategy Explained for IPO Investment - IPO 2024
Переглядів 1 тис.День тому
The IPO market is buzzing like never before! - Compared to 164 IPOs in FY2023, FY2024 witnessed a massive surge with 272 IPOs, a remarkable 66% increase. - Not just that, the raised amount grew by 24%, jumping from ₹54,773 crores in FY23 to ₹67,995 crores in FY2024. While these numbers reflect the growing investor interest and market activity, it's important to remember that IPO investments don...
Invest in US Stocks & ETFs with just ₹100 with INDmoney!
Переглядів 739День тому
From Netflix and Instagram to Amazon and Apple, these iconic US brands are an essential part of our daily routines. But what if you could take part in their growth too? Episode 2 of our new brand film captures a late night moment between two colleagues. One has just invested in the US market through INDmoney, while the other still thinks global investing is out of reach. With INDmoney, investin...
How to Pledge Shares for FREE trading money on INDmoney? Watch This Now!
Переглядів 1,7 тис.14 днів тому
How to Pledge Shares for FREE trading money on INDmoney? Watch This Now!
Stock Market CRASH Soon? | What Smart Investors Don't Tell You | Ft. Manish Gunwani @bandhanmutual
Переглядів 51 тис.21 день тому
Stock Market CRASH Soon? | What Smart Investors Don't Tell You | Ft. Manish Gunwani @bandhanmutual
Buffett's Compounding SECRET to Building Berkshire's Wealth!
Переглядів 6 тис.21 день тому
Buffett's Compounding SECRET to Building Berkshire's Wealth!
Can You Really Withdraw ₹1 Lakh Instantly on INDmoney? Instant Withdrawals
Переглядів 1,6 тис.21 день тому
Can You Really Withdraw ₹1 Lakh Instantly on INDmoney? Instant Withdrawals
Celebrating Every Dreamer This Diwali | Happy Diwali | INDmoney #diwali #diwalispecial
Переглядів 80628 днів тому
Celebrating Every Dreamer This Diwali | Happy Diwali | INDmoney #diwali #diwalispecial
Finally.. Credit Card Rewards You Will Actually Use! | INDmoney #creditcard
Переглядів 1,5 тис.28 днів тому
Finally.. Credit Card Rewards You Will Actually Use! | INDmoney #creditcard
Is GOLD ETF The Right Investment Choice For Beginners? | 2024 Best Time to Invest in GOLD
Переглядів 6 тис.Місяць тому
Is GOLD ETF The Right Investment Choice For Beginners? | 2024 Best Time to Invest in GOLD
4 STEPS to Buy the Perfect Car: | Don’t Make These Mistakes! | CAR Affordability Guide
Переглядів 13 тис.Місяць тому
4 STEPS to Buy the Perfect Car: | Don’t Make These Mistakes! | CAR Affordability Guide
Is Loan Against Mutual Funds REALLY Better Than Traditional Loans? INDmoney
Переглядів 2,9 тис.Місяць тому
Is Loan Against Mutual Funds REALLY Better Than Traditional Loans? INDmoney
Quit ₹1.5 cr Salary Now On a Career Break| How to live on Passive Income | Financial Freedom |
Переглядів 32 тис.Місяць тому
Quit ₹1.5 cr Salary Now On a Career Break| How to live on Passive Income | Financial Freedom |
Dividend Investing EXPOSED: What They Don’t Tell You!
Переглядів 2,9 тис.Місяць тому
Dividend Investing EXPOSED: What They Don’t Tell You!
Hyundai Motor India IPO Opens TODAY| All you need to know
Переглядів 872Місяць тому
Hyundai Motor India IPO Opens TODAY| All you need to know
How Apple Changed Tech Forever | The story of Apple
Переглядів 1 тис.Місяць тому
How Apple Changed Tech Forever | The story of Apple
How do Instant Withdrawals on INDmoney work?
Переглядів 1,6 тис.Місяць тому
How do Instant Withdrawals on INDmoney work?
How To Track Your Dividends On INDmoney? | Dividend Calendar
Переглядів 2,8 тис.Місяць тому
How To Track Your Dividends On INDmoney? | Dividend Calendar
How He Built Wealth with SIPs for 14 years | Journey to Financial Freedom
Переглядів 341 тис.Місяць тому
How He Built Wealth with SIPs for 14 years | Journey to Financial Freedom
NEW RULES for Futures and Options Trading | SEBI Issues New Guidelines! #sebi #futureoptiontrading
Переглядів 893Місяць тому
NEW RULES for Futures and Options Trading | SEBI Issues New Guidelines! #sebi #futureoptiontrading
How to Modify SIP in Stocks on INDmoney? | Easily Edit & Pause your SIP
Переглядів 2,4 тис.Місяць тому
How to Modify SIP in Stocks on INDmoney? | Easily Edit & Pause your SIP
STOP Losing Track of Your Dividend Earnings | Dividend Calendar by INDmoney
Переглядів 1,2 тис.Місяць тому
STOP Losing Track of Your Dividend Earnings | Dividend Calendar by INDmoney
STOP making these 5 Mutual Fund mistakes| SIP for beginners |Best way to invest in Mutual Funds
Переглядів 3,5 тис.2 місяці тому
STOP making these 5 Mutual Fund mistakes| SIP for beginners |Best way to invest in Mutual Funds
Don't Ignore TATA's ZUDIO Success Formula| ZUDIO case study| Fashion Empire worth ₹6,000 Cr
Переглядів 4,3 тис.2 місяці тому
Don't Ignore TATA's ZUDIO Success Formula| ZUDIO case study| Fashion Empire worth ₹6,000 Cr
You can NOT retire with ₹3 Cr corpus!| Retirement Planning |Ft. Dr. Pattu, IIT Madras |FIRE Movement
Переглядів 213 тис.2 місяці тому
You can NOT retire with ₹3 Cr corpus!| Retirement Planning |Ft. Dr. Pattu, IIT Madras |FIRE Movement
Should You Add Private Banks to Your Portfolio? | What Is Factor Investing?@utimutualfunds
Переглядів 7 тис.2 місяці тому
Should You Add Private Banks to Your Portfolio? | What Is Factor Investing?@utimutualfunds
Please correct me if I'm wrong. Currently TCS gives 3.36 - 3.60 LPA. He was also a fresh joiner. Then how can he earn 3 Lakh LPA in 2010. Moreover the biggest 2008 financial crisis just before 2 years. Please answer me somebody. 3 Lakh salary isn't too much to consider in 2010?
14:35 lifestyle ki spelling
BC
This guy is faking everywhere... If I once confirm my portfolio then why do I need all of this sessions.. either he is not giving clarity or else making money with subscription
Sir, have Groww and angel one increased their charges? Will INDmoney also increase its charges? I do a daily SIP of ₹120, and Groww has started charging a minimum fee of ₹2.
How to increase the amount of sip like step up sip
Apne baccho ke liye Ghar jarur le Lena bhaiyon. Chahe chota hi ho. Chahe city se door hi ho. Shanti se rah to payenge
IndMoney don't loose the your reputation by calling any serial podcaster guy who's try to sell his webinar . This guy appears in every podcast.
ind money walo host badlo , dang ke question hi nahi kar raha hai..
Ye jyada ho raha h 5 saal me payse double honge tax kaha gya
Excellent perspective and insight for the youngsters, must watch interview for all.
Good interview....... perfect concept cleared
He said. I am doing budgeting since 11th std. Next minute he says 2k ki SIP cut rahi thi mujhe pata hi nahi chala…. Contradicting his own statement, if you are so smart in budgeting then how you didn’t understood about this 2k each month. He is just another guy giving gyan and creating personal branding.
Bro his per month investment is more then general public annual salary so this will not going anywhere
Investing in mutual funds offers a structured and diversified approach to building wealth, managed by professional fund managers. While there are costs and some limitations, the benefits of diversification, professional management, and ease of access make mutual funds a popular choice for achieving a variety of financial goals.
ADBE, VWINX and FSPGX are all still good buy, but what do I know I’m not a financial advisor lol
Exactly, I used to doubt the value of a financial advisor until my wife's company assigned her an investment adviser in 2020. Honestly, it’s been the best financial decision I’ve made. It helped tremendously; I went from barely making any profit to having a well-diversified portfolio that has grown significantly, with gains exceeding $250k.
@@LucasBenjamin-hv7sk I’ve been worried sick about the current state of my portfolio, who is your advisor?
The decision on when to pick an Adviser is a very personal one. I take guidance from Rebecca Lynne Buie to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
Just ran an online search on her name and came across her website, pretty well educated. thank you for sharing.
My frnd got.40laks in 3yrs in crypto..for ip it took 15yrs..huh what to invest in
I wish i learnt most of these principles about seven years ago. A lot of people have been trapped strongly in the matrix-- Go to school, get a job, and then slave your whole life. Many miss out on life-changing information that could have great effect on their finances. Sometimes Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.
Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin ,While also continuously learning from mistakes and improving
Many overlook that banks are return-driven businesses. I don't trust keeping a large sum in a bank. Instead, I invest with guidance, enjoy the benefits, and save for retirement.
After the '08 financial crisis, I've learned not to trust corporations. Since 2020, I've been investing with a financial advisor and have had no major losses, so I'm not going back to relying solely on banks.
@@williamDonaldson432 Market behaviour can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
Rebecca Lynne Buie is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
6:00 चाचा जो बात बात बोल रहे हो उसी को FIRE कहते हैं सही में। FIRE का मतलब घर बैठ कर सारा दिन टीवी देखना नहीं होता। क्या बता रहे हो पब्लिक को, कोई भी 4 पैसे क्या कमा लेता है कुछ भी बोलने लग जाता है।
Jitna bhi SIP wale he sabhi rent me rahta
Mutual fund is a market derivative and you are putting money in MF when Market is down trend , kya phoonk ke aaya hai.Logon ko chutia bana raha hai.Dont believe him
pahle to Jama karlo
Zomato depender goyal is that person For job opening 34:00
Tax saving aur evasion mein difference hota hai..Using family members PAN to evade taxes..clubbing of income bhi koi cheez hoti hai..Income Tax department please scrutinise this fellow..
Compounding is fact but patience is not easy😅
Nope, basic se clear karna chaiye, kuch nai samjha
Are you out of mind? You are paying 3% rental yield on home but who will calculate property appreciation. If you are selling MF, there is no need to devalue other investment options.
I bought IREDA @ ₹202 today.
Retired early is foolishness. Financially free early is good.
.... How low u can live your life... Very true
A gaya yeh kadka jo har channel pe alag figures batata hai lekin baat same karta hai. This Sanjay Kathuria is a scam artist.
Exactly!!
6 cr is nothing stock exchange fall you will be on road 6 cr to 0
Wakeing up everyday for a purpose is important, may it be for working for others or for self business, or maintaining a hobby and working over it or for any other social cause. Daily Discipline is needed , following the watch is necessary, we have experienced in covid lockdown what no job life looks like.. Manage ur day in such a way that it dosent kills u and drags ur thoughts towards retirement ie doing nothing. "If u don't use u loose" So stay active till the last breath. Use ur brain and body else u loose
people are confuse with the calculations of what he said., but you know all cant be said precisely.,. but we have something to learn and take from this ..
Kya har month SIP, main Paisa daalnaa jaruri h pl reply
nope
Jaroori nahin hai but agar tum continue 3 month payment nahin kiye to SIP pause ho jayega , so don’t time the market just invest regularly what you can afford
usse discipline build hota hai, jab market girta hai, tab jyada paisa dalo
Jab mil baithenge tin yaar...aap , mai aur compounding topic......
First invest in yourself, then invest in funds 🎉🎉🎉🎉
Content is grt but English or subs ll help
Bewakoof bnda i have stop watching UA-cam my compounding is increasing automatically 😂
Stop calling top 1 percent people. You wont get real life experiences. Even if he had not done sip he would have still be quite alright with his salary. Call common man who really made it because of sip.
Love your conversations
❤❤❤❤
Experience and confidence reflects in his personality.
Great content, as always! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
I do same as sir said 80% I put in mutual fund and with 20% I do trading and every month I lost that 20%..
Every one has its own opinion.Calling someone looser based out of their own opinion shows that host is not matured enough. People should avoid labeling others just because they are on hot seat. Sorry couldn’t listen this conversation.
Warren buffet was born after great depression and world war 1
Wait if he doesn't see future in monitary system why is he working like a puppy for monitary benifit he is contradicting his own statement guhahaha...
Wow!!! Never thought I'll see someone who loves toxic work environment 😅 I've heard of greedy people seeing for the first time 🤣 working in corporate environment like a mule for 16-18hrs a day must seem exciting to him haha... turu story.man so much greed for money is not good just make enough to gain financial freedom and live a comfortable life, if Ambani Adanis and kids aspiring to be like them follow his advice there would have never been Ambani or Adani in india 🤣😂😅 I don't care if he prefers Licking boots for a living but I prefer being my own boss make enough start business and make it to the next lvl. Maybe he would like to work for me as a work mule as he desires it.
Sir apke papa x pe jo land becha wo toh apne white money ka bataya. Yaha baith ke jo gyan de rahe hain na wo wahi black money ka garmi h
Seriously bahut ho gaya Ye bande ko ab break do.. Lagata hai sab FOMO me aa gaye hai ab. Kuch naya karo