Podhum Velai, Eppo Retire Aagalam? போதும் வேலை, எப்போ retire ஆகலாம்? : Part 3 - E 12
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- Опубліковано 8 сер 2024
- 1. Financial Independence venumaa enna pannalaam ? - 1:16
2. Unmaya sonna thookam poidum - 2:52
3. Varavu Onnu selavu 60 - 4:25
4. 60 yrs la dhaan retirement..adhellam ini chance e illa - 4:59
5. 85 yrs vaazhardhu thala vidhi avlodhaan - 5:55
6. 1st month retirement ku thevai just 2.6 lakhs dhaan - 7:47
7. Salary Vs Expenses gap irukara varaikum vandi odum - 10:21
8. Assets sekardhu retirement planning illa adhu oru emergency fund - 13:33
9. Expenses after Inflation a manage panra alavuku corpus plan pannanum - 15:08
10.Post retirement Income constant a iruka koodadhu - 15:47
11.Corpus gaali aagumbodhu battery um gaali aana nalladhu - 17:17
12.Muppadhu vayasula 60k expense na 55 la 7.6 Crores venum - 18:44
13.Retirement planning la bhadhil theriya vendia mukiamaana rendu kelvi - 20:59
14.Early retirement na 200% expenses Corpus ku sekanum - 24:22
15.Relationships layum Invest pannradhu mukiyam- 30:38
16.Seri Investments pathi adutha episode la pesuvom - 33:01
GListen to the previous episode here-
• Podhum Velai, Eppo Ret... - T E11
In association with @pattufreefincal
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After long time, a good podcast on retirement.....channel came as a surprise....as always, Pottu sir rocks....thanks to the channel for bringing it together
Great episode, as usual!
Excellent pattu sir.. thanks for your insights
Great episode.
As expected scary.
Great speech/eye opener by Pattu sir..
Also the interviewer allowing pattu sir to complete his information.
P.S. - Calling his name as”pattu” may be western/corporate style, but we are Indians basically. You can call him ‘Pattu sir’
Varavu Nalla Uravu
Movie will be best example of what will happen if we don't plan for Retirement
Thanks Pattu!
Super sir.. Arrange a long duration q&a session.. It helps more.. If get in touch with pattu .. then only we get rich
Whatever told in this episode is 100% correct. Good & keep it up.Today, If we save for future retirement life, our retirement life will be happy & peaceful otherwise we will have to struggle & depend on our children or somebody. Today we are living in a different world not like olden days. Financial independence is must for everyone
பட்டு sir
இந்த வீடியோ பார்த்து பயமா இருக்கு.
Euope இருக்கேன்
எனக்கே தலை சுத்துது 😢😢😢
உண்மையில் mindfulness வீடியோ.
Pattu sir, great man,his heart knowledge is so far sighted.He is putting all his experience in this show.Madam plz add sir when you ask questions.humble request.
Agreed with Sir observation
Super explanation sir ❤😇🤩
Very informative 🎉
Pattu sir realityyai puttu puttu vaikirar😊
Incase, if there is a situation to be dependent on children (if it is possible) due to delay in retirement planning. In that case how much we can max be dependent on our children (like stay, food, electricity bill) and how much we need to have for our personal expenses (like medicines, recharge, etc). Is there a kind of blend approach if we start late??
Also is it a practical (& possible) approach to look for a low paying job/gig after 55 to ensure we don't withdraw (also won't be able to invest) from our retirement corpus like till the age 65 to ensure our corpus (not large enough) lasts till 85 or so.
Your thoughts on this kind of approach??
@@vignesh_m_1995 for a couple for living with kids, 35k per month is decent and worthy. 5k for personal expenses. Unfortunately, if more than one kid there, one will say too much, other will say, too less.
Pattu Sir, just a different perspective. Correct me if I am wrong.
When planning for retirement, don't you think that we have to plan only for 2 people, husband and wife. So, that being the scenario, if one's expenses today is 60000 per month, for four people , can't we take 60 or 75 percent to calculate retirement corpus.
It is not just 1 person's expense we are taking, it is the expense of the whole family, in that we should not include school fee or college fee, only include the basic expenses needed for 2 people.
Kindly explain the calculation made to arrive at 7.6 cr required as corpus in this example Sir. Thank you in advance
I have a doubt.
This retirement Corpus calculation is for a single person or for a couple?
Hi sir, please share your ideas for school fee and college feefir 1 child and 2 children.
Plots bought, or houses plots that will be inherited in the future from parents can be included on this? Pattu sir please answer this on the next podcast.
It's good if there's a good cash flow
ஏம்மா உனக்கு ஏற்கனவே சொல்லி இருக்கேன் பட்டு பட்டுன்னு சொல்லாதம்மா பட்டு சார்னு சொல்லுன்னு..
It's not disrespectful
@@punith90pr yes i agree, but its not looks nice.
Personal meeting she can call whatever.
We respect Pattu sir
❤🎉
Yes bro, correct.
Her interruption disturbing the viewers
பட்டு சார் நான் சிங்கப்பூர்ல இருக்கேன் எனக்கே தல சுத்துது..
great sir
Arumai
i have only 1.5 cr corpus at 55 which will yield 10% returns and when i use ur retirement calculator based on this corpus and expense increasing it 6% per annum it shows a -ve number at the age 85 I guess i am doing somewhere mistake as the corpus is very low compared to 7.5 cr as your example in this video.
I think in RBI also pension increases as and when serving employees get pay increases
Arguably the most depressing episode -- as much as, if not more than, the ones on health insurance. Pattu sir needs to bring down morbid references.
To compensate, in the next episode, please recommend infra and defence MF that will give us 30% returns. 😭🙏
-- A long-time follower
Let us get touch with pattu
I need a face to face meeting with Mr. Patu.. how do I get in touch with him
From my calculation I think today for 31 year old , 3 crore is enough to retire considering 10% CAGR with 6to 7% inflation you can easily widraw 4 % of ur corpus till life
3cr today or at their retirement time??
3cr today
@@narayanansreenivasan25583cr in 2024
@@antoandriod1936 for me it will take another 10 years to achieve this. most of saving in debt,vpf and 30% in equity
🙏♥️
55 yesrs retirement is a myth. In Indian context hardly anyone is retiring at 55 and also not possible due to societal pressure. Moreover, tons of jobs available at lower salaries which are quite decent also to sustain. We are moving slowly towards westernization increase prices, slow salary growth, invest in equity, work until long ages. All these calculations are meaningless in future
first min pathadhuka, bayam vara mari eruka.. meedhi pakalama venama 😅
Hi guys long term please buy pginvit for happy retirement plan simple don't panic
Wont they reduce dividend??
I am 31 i started investing in 2014 whwn i was 21 , i bought my first btc in 2015 ...i don't even know about stock market back then and then i have invested little in NIFTY index and go all into ETH , i regurally DCA into ETH , now i have 12 crore at the age 31 ...i know it was risk but since i was young i was able to take unlimited risks
Have you retired ? :) Congratulations
12 cores is nothing now sir please try to make 1kx atleast 😢😢😢
Yes i am retired in 2021 ,back then i had 8 crores now it has compounded to 12 cr@@ramblings99
@@kamals6624hahaha
Hey, who are you man?? What job you are doing?
Practice frugal as u become old
I don't feel the graphs are fixed representation of growth. The core ideallogy is negative..
yes reality is difficult to digest! But don't lose hope
26:50 good joke
28:46 😒😒
Pattu sir - super explanation