Beginners guide to personal finance

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  • Опубліковано 24 гру 2024

КОМЕНТАРІ • 166

  • @KeesariVigneshwarReddy
    @KeesariVigneshwarReddy Місяць тому +7

    I am 19 and just started my career. Started investing

  • @ManjulaNalagarla
    @ManjulaNalagarla 5 місяців тому +4

    I am 26, I don't know ABCD in investment but I desperately want to invest. So started learning from this video, hope I will get good knowledge in it ...thank you

  • @PsychologicalTrade1408
    @PsychologicalTrade1408 Рік тому +7

    Here on i am 26 and have a thankful story, as my father invested in mutual funds on behalf of me instead of giving m a huge pocket money to enjoy, while he also fulfilled all my necessacity. But from past 2 years as i have become a trader and a financial advisor, it was very tough for me to save any money as no more pocket money was provided and now i had to pay atleast 50% of my sip's to which i used to get very angry and furstrated as i wanted those money to spend on unnecessary things but i had to invest those money, to which now i am thankful to my father that he played a great support to give me a kick start at my early age towards investment.

    • @AviGupta-px6ll
      @AviGupta-px6ll 8 місяців тому

      yeah I have a similar story of my father, he invested around 50k in 2004 and then forgot since it was on hard paper now it is valued at 3lac

  • @sriram181
    @sriram181 Рік тому +15

    I've started my investment journey not too long ago at the age of 17 , I'm 20 now and am a student of investment, I aspire to be far more learned about investing and finance than I am right now in the near future:)

  • @sahilkashyap5260
    @sahilkashyap5260 Рік тому +6

    I was curious since 13 but i didn't have a bank account that time then I learnt alot about it and saved and consciously spent on fun and adventurous experiences, though my pocket money was peanuts like barely 100 rupees for a week, then fast forward to my 18 i was very confused with bank accounts and all that got stuck with many other problems gone case, now I'm 19 and I have finally put all my efforts and was stubborn to start investing no matter what be it 500-1000 bucks i promised myself to save all of it not limiting my wants and needs as well as once in a lifetime opportunities with the handful of friends I've got (thank God I don't have any liability such as girlfriend) I've started from this January and I've invested on stocks with just a little research though I'll be improvising my portfolio slowly and smartly, Thank you for this video 🙏🏻

  • @investmoney2102
    @investmoney2102 Рік тому +17

    I started my financial freedom journey at the age of 19. I save my money every month and invest that amount. I am grateful to have you as a mentor sir.

    • @doctorsexo420
      @doctorsexo420 Рік тому +3

      18 here

    • @Rehanmd_03
      @Rehanmd_03 5 місяців тому

      ​@@doctorsexo420 same bro, can we connect and discuss about this,

  • @rav1109
    @rav1109 Рік тому +5

    I can't thank you enough for this cause honestly I have no clue about anything related to finance..it has always always scared me. Although I know it's important I have always pushed it off for another day

  • @DriptanilRoy-o7s
    @DriptanilRoy-o7s 2 місяці тому

    I'm 18 and will be 19 this November thank you for making this series and also I thank god I found this series as early as possible.

  • @Neha-kd7ty
    @Neha-kd7ty Рік тому +15

    I wanted to invest in mutual funds in college days but the lack of money+ bank account has restrained me. Now I am 22 yrs old and invested in mutual funds from my first month salary.
    Being a science student, I am looking forward to learning a lot through this series and improve my personal financial knowledge.

    • @handsomeguy_gcopa
      @handsomeguy_gcopa Рік тому +3

      👏👏
      Good luck

    • @paridhikohli1591
      @paridhikohli1591 Рік тому +2

      Good job dear, even i have started with it this year itself. Don’t worry it’s never too late to start.

  • @archanatiwari4923
    @archanatiwari4923 Рік тому +1

    I started saving from 22 but lost everything in penny stock. I started saving again with mindset greed is never good for you no matter how shiny that looks. I lost initial years of compounding but better it happened early in my life I had little to loose and I learnt a big lesson.

  • @gahuja91
    @gahuja91 Рік тому +3

    Very insightful video. I am actually surprised after calculating the returns of each sister. One issue I found in the video was the discrepancy in the investment summary shown in the video and the actual investment of Sister 3. It took me some time to understand how investment of sister 3 is 19,00,000 when she started from 36th birthday; but she actually started her investment from 28th birthday onwards, not 36th. Just raising this so that if someone actually do calculate returns they are not confused and use the right numbers.
    Thank you Karthik Rangappa for such amazing video.

  • @paridhikohli1591
    @paridhikohli1591 Рік тому +1

    Since I was 20 years old, I was curious to invest. But the only thing I knew was that you need to enter a stock market for investing which involves risk and even for that you needed Hell lot of knowledge. So due to this fact, I was always unable to start my first investment journey. But this year when I am 22 years old, after accumulating some knowledge about the other spheres, where we can invest other than stock market that is mutual fund, I made my first investment with an SIP of Rs.1000 a month in SBI Contra mutual fund. And I am loving the returns. It has been giving me since I started a few months back. Also looking forward to learn more from this UA-cam series of Zerodha varsity.

  • @pankajdewangan912
    @pankajdewangan912 Рік тому +1

    Though very small amount i started investing in mutual fund by the age 26. I'm now focusing on increasing the amount and learning more about stocks.

  • @nirmitmulay7611
    @nirmitmulay7611 4 місяці тому

    Haven’t yet started my journey but it’s becoming evident that if I wanna live the life I want my loved ones I need to start early

  • @yogeshmurugan
    @yogeshmurugan Рік тому +5

    Quality of the video, the content and the presenter is great. Definitely subscribing and cant wait for next videos.

  • @madhunallagarla147
    @madhunallagarla147 Рік тому +1

    I have started my investment journey at the age of 27 and now I'm 30, wants to continue this journey as long as possible. :)

  • @shivansh_bhardwajj
    @shivansh_bhardwajj Рік тому

    I am 18, and thinking about starting Investing the money, even though it'll be a small amount but eventually I'll learn something and grow too..

  • @ameherharish7374
    @ameherharish7374 Рік тому +2

    Started equity investment (Stocks + MF) at age of 30. We did not have awareness about these things early on when we started our professional career.

  • @nihalyn
    @nihalyn Рік тому +1

    The basic math is compound interest formula. "He who understands it, earns it; he who doesn't, pays it"

  • @pintudatta1763
    @pintudatta1763 Рік тому +2

    Before i finish the video😌 i wanna say that I read the story in varsity 😎

  • @imrohan97
    @imrohan97 5 місяців тому +1

    At 3:49 timestamp sister 2 Birthdays (Year) column should be 28th-26th birthday and sister 3 Birthdays (Year) should be 28th-65th birthday

    • @ePathshala-SeekhteRaho
      @ePathshala-SeekhteRaho 2 місяці тому

      1ST SISTER KA RETURN VALUE BHI WRONG HAI. RIGHT ANSWER IS 4.89 CR. HOGA.

  • @nirajsandesh2990
    @nirajsandesh2990 6 місяців тому +1

    At the age of 18 i started trading in options but there are many huge losses i stop it and after 1 year break i learned a investing and start research some safe investment options so i choose mutual funds and start lumpsum and sip in some amc and start my investment journey from 19 and now i am 21 years old

  • @neo4646
    @neo4646 Рік тому +1

    right after 5 working years! was not aware!!!

  • @itishreeojha2445
    @itishreeojha2445 Рік тому +2

    Thank you so much Karthik. I am excited to look forward many more videos from All Varsity Modules . Those were fun to read but videos are always better and treat to our eyes. :) :)

  • @papasilverhand
    @papasilverhand 11 місяців тому

    Been saving since I got my first job, not in mutual funds but in other instruments (the safer one and with less returns), started mutual funds more recently

  • @digitalsevakendra4825
    @digitalsevakendra4825 Рік тому +2

    Hii
    I'm Aniket, I have started earning at my age of 18 but the first two years I'm not eager to save money. But I realized that after a big medical situation in my family. And now you will not believe I'm saving 90% of my earnings in mutual funds and in insurance.

  • @pabitraparida124
    @pabitraparida124 Рік тому

    I invest in debt mutual funds so that I don't sell stocks at the wrong time. After watching your video I understood that I should keep at least one mutual fund for long-term.

  • @vigneshnagarajan814
    @vigneshnagarajan814 10 місяців тому +1

    This is Vignesh and I will be starting to invest at the age of 24. Lets see how this journey goes.

  • @SamaySanyasi
    @SamaySanyasi Рік тому +4

    Hi Karthik , loved your article on varsity and now, loved your presentation.
    looking forward for you series
    Best of luck !!

  • @explorewithashokgunturu
    @explorewithashokgunturu 8 місяців тому +1

    Technically, I started when I was like 19 with money pocket money, but I was not consistent till I kind of reinitiated it again in August 2023. Now, I am 24.

  • @LakshmiKamathVlogs
    @LakshmiKamathVlogs Рік тому +2

    This is such a bomb video❤ Loved it Karthik sir! The visuals, the table was so good and easy to understand!

  • @mohitshrivastava5412
    @mohitshrivastava5412 Рік тому

    Just finished the first semester at my college and i will be 20 after 2 months and have already started the investment journey

  • @cognitive_bits
    @cognitive_bits 5 місяців тому +1

    I staeted my investing journey at the age of 18 .. 😌😌

  • @Aaron-o2k1j
    @Aaron-o2k1j 3 місяці тому

    Hello! My name is Uday. I am currently 22 years old. I started investing in two mutual funds with 1k in each from the age of 18 through a public bank but unfortunately, I needed to redeem my returns due to some personal issues in 2023. As of now, I have no money left in the funds. However, I am looking forward to knowing in-depth about mutual funds and how to select one. Hopefully, to start my investing journey again.

  • @MohitFilms
    @MohitFilms 10 місяців тому +2

    I started my investment Journey at 17; I am currently 21, and my portfolio is 32k out of which my investment is 17k. I invest in stocks as well as in MF.

  • @adityagoutam8563
    @adityagoutam8563 Рік тому +1

    investing from the age age of 12 from pocket money to a IPPB acc with IR of 5 to 7.5% and from the age of 21 inveting in stocks it gives me around 30 to 45% return per year.

  • @vishalmaurya7915
    @vishalmaurya7915 10 місяців тому +1

    I have started my investment journey from the age of 23.

  • @rituparnanaskar3070
    @rituparnanaskar3070 Рік тому +2

    I still haven't started investing seriously...though at age 31 with no dependents and very little fixed monthly expenditure, i save only 10 to 15% of my monthly income, other than my pension fund savings

  • @americansindians2099
    @americansindians2099 Рік тому +1

    Amazed..Super Simple.

  • @surajchavan6447
    @surajchavan6447 Рік тому +1

    Awesome 😎😎. I like the way you explain with animations 👍🏻👍🏻

  • @murielsiebert11
    @murielsiebert11 3 місяці тому +1

    Now, I Just realized that the secret to making a million is saving for better trades. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money trading. For example last year I Traded with 10k in Crypto and made about $146k,but guess what? I put it all back and traded again and now I am rounding up close to a million

    • @LubnaOlayan-l3b
      @LubnaOlayan-l3b 3 місяці тому

      Thank you Lubna Olayan

    • @Johnsmith22jh
      @Johnsmith22jh 3 місяці тому

      how do y'all even make so much from crypto trading?

    • @Johnsmith22jh
      @Johnsmith22jh 3 місяці тому

      Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular advisor to whom you have used their services?

    • @Bertila-x2g
      @Bertila-x2g 3 місяці тому

      I'm thrilled at the prospect of learning from a coach like Lubna

    • @Bertila-x2g
      @Bertila-x2g 3 місяці тому

      Please, How Do I Get Lubna Olayan?

  • @shivaram61
    @shivaram61 Рік тому +1

    Started at the age of 22 from my pocket money but was consistent..

  • @priyamsingh2904
    @priyamsingh2904 Рік тому +1

    At the age of 18 when I got my pan card in 2016 form there on opened a demat account and started to invest

  • @anjayharma6557
    @anjayharma6557 Рік тому +1

    Beautifully explained. Thanks!

  • @aakankshabhatnagar8451
    @aakankshabhatnagar8451 Рік тому +1

    Lovely video. Thanks for creating and sharing it. Hope to learn loads from this series of Personal Financing!

  • @mahadevaswamyr5876
    @mahadevaswamyr5876 Рік тому +2

    It's a great learning with you sir, with all those simple and eloquent language and simplifying everything you pick. Thanks a lot.

  • @invincible3011
    @invincible3011 Рік тому +1

    From 26 years onwards , and now I m 46 👍😊

    • @aishwaryas5057
      @aishwaryas5057 2 місяці тому

      How u learned and have u made it to FIRE

  • @Khan-ec5ts
    @Khan-ec5ts 9 місяців тому

    3:48 wrong numbers in Birthdays(Year)section for sister 2

  • @ChandraMouli-yx7rk
    @ChandraMouli-yx7rk Рік тому

    I RESPECT AND LOVE YOU RANGAPPA

  • @dhineshkumarramalingam
    @dhineshkumarramalingam Рік тому +1

    I m 26 years old and started investing from last year (25)

  • @harshithm.rharshithmuddaka8289

    Thank you sir

  • @CheithanyaSundarasetty
    @CheithanyaSundarasetty 4 місяці тому +1

    I feel sorry for myself for not thinking about investing until 35 even after having a good professional career from the age of 21 :(

  • @mukulanand7532
    @mukulanand7532 6 місяців тому +1

    Started at 26, currently 32

  • @manishkasera8584
    @manishkasera8584 Рік тому +2

    Started 21

  • @ShivaShiva-ty5qc
    @ShivaShiva-ty5qc 5 місяців тому +1

    Sir,I started in the 11 years old with interest so,my dad teach me to learn .now iam 15 years old

  • @madhumathis3717
    @madhumathis3717 Рік тому

    Hi @Varsity, please update when you will next video on this series.

  • @ManojAP
    @ManojAP 2 місяці тому

    Mixing SIP and lumpsum is helpful ?

  • @Srikanth_12
    @Srikanth_12 Рік тому +2

    Hi Karthik. I started to invest in Mutual funds quite late, just 3-4 yrs back, in my late 30s, although I had a PPF account and other "safe" savings since my first Job. I wish I knew about mutual funds and stocks back then!
    Is it late now to start investing for my retirement?...can you suggest some ways?
    Thanks so much.

    • @namangupta5153
      @namangupta5153 Рік тому +1

      The best time to invest was 10 years back. The second best time is now.

  • @mohitzambare
    @mohitzambare Рік тому +98

    Kartik sir you married your gf!! Next episode on your love story please

  • @subdas134
    @subdas134 Рік тому

    I am already started.

  • @agyaani8060
    @agyaani8060 3 місяці тому

    I started my investment journey at the age of 20.

  • @OS-wg2rx
    @OS-wg2rx Рік тому

    Good video ji

  • @redqueen385
    @redqueen385 7 місяців тому

    Requesting you guys to make a video on FT debt funds issue in 2020, everyone says "MF sahi hai", but no one is showing other side of it...

  • @SunilKumar-pj5gz
    @SunilKumar-pj5gz Рік тому

    Great

  • @ShyorawatCapital
    @ShyorawatCapital Рік тому +1

    🔥🔥🔥🔥

  • @lonewarrior7957
    @lonewarrior7957 Рік тому +2

    me at 19 now.. started investing on stocks ...

  • @YoloGurl464
    @YoloGurl464 Рік тому +1

    @age 17 I'm started investing in Mutual Fund😌❤

  • @by7991
    @by7991 Рік тому +1

    Age 30 but paused 1 year and just started now at the age of 33

  • @riturajborah6169
    @riturajborah6169 5 місяців тому

    I have started investing in Index Funds from age 21

  • @nazishf.8471
    @nazishf.8471 Рік тому

    Investing through Zerodha is so easy. I want to know investment plan for High schoolers

  • @shubhambhopale4603
    @shubhambhopale4603 Рік тому +3

    I started investing in MFs since my graduation college days. I could save some money but most of it went into expenditure of sorts.
    Great to have you guide us further as I am back to square 1 now 😅

  • @gopalbharadva1390
    @gopalbharadva1390 10 місяців тому +1

    I started my investment at the age of 21

  • @AshishGupta-ig9sg
    @AshishGupta-ig9sg Рік тому

    I started investing from 18.

  • @shijithkv1463
    @shijithkv1463 Рік тому +1

    Hi Sir, First of all thank you so much for your videos. It is really helpful. I have a quick question; in the given example, how we calculated the first sister gets more return than the other two sisters. It would be great if you could provide us the formula on how did we reach that conclusion

  • @harshgupta9025
    @harshgupta9025 Рік тому

    Still confuse from which fund should I have to invest.
    Sir please reply 😊

  • @studywithishan8222
    @studywithishan8222 Рік тому +1

    I am 18 and started on my birthday itself😂

  • @GauravKumar-tr2us
    @GauravKumar-tr2us Рік тому +1

    I am 34, I have not saved a single amount, spent all I earned and in bank debt now. Please suggest from where to start

  • @sakshiroy7940
    @sakshiroy7940 Рік тому +1

    Can someone explain the calculation of the first sister and how it resulted in 4,98,00,000?

  • @jeetshah1441
    @jeetshah1441 Рік тому +1

    I was 23 years old

  • @redcooleditz2536
    @redcooleditz2536 Рік тому +1

    Should students invest in mutual funds or on themselves

  • @jak0504001
    @jak0504001 Рік тому +1

    Hi there
    I just started investing
    My age is 36
    Suggest me some good plans to invest
    I can invest 30 k per month

  • @pruthvikbhagat7476
    @pruthvikbhagat7476 11 місяців тому +1

    I started very very late.... At age 22.. I'm turning 24 in 20 days...

  • @SahilKashyap-in
    @SahilKashyap-in Рік тому

    But where exactly to invest ????

  • @lenovoa-iz6kj
    @lenovoa-iz6kj Рік тому +1

    Late pickup... Started by 33

  • @aditya87689
    @aditya87689 9 місяців тому +1

    Journey at 16

  • @vvivek945
    @vvivek945 Рік тому +1

    I started at 16

  • @sarveshdripz5914
    @sarveshdripz5914 Рік тому

    Im currently 19 year old am i too late for this.....?
    Since i was 17 i was thinking of investing in mutual funds.. Due to family issue i haven't but now as i am starting i don't know where to start whats the minimum should i start with...
    So many silly and irrelevant questions in my mind
    As i am studying cma i know some basic of stock market and soo because of the vartity and the scope it has
    Anyone who can guide me... A little bit about finance
    I know money the most important thing but i want teach my parents about investing so i can use thier money just a little to help it grow and creat a parellel source of income

  • @ipushprajyadav
    @ipushprajyadav Рік тому +1

    I was born in November 2002.

  • @K.R.I.S.H.A.N.
    @K.R.I.S.H.A.N. 10 місяців тому +1

    Kartik sir
    Im very late
    About to be 24

  • @akhilstocks31
    @akhilstocks31 5 місяців тому +1

    I've started my investment journet at the age of 34 after starting my first job @ the age of 24.

  • @venkateshlaxmikanth
    @venkateshlaxmikanth Рік тому

    I started my investment journey at the age of 37 ,i regret for that

  • @abishekramvaidhya1932
    @abishekramvaidhya1932 Рік тому

    good noon sir i'm commenting in hope Zerodha team would get to notice this..
    my demat account name totally mis arranged
    i'm wondering why this happened..?

    • @varsitybyzerodha
      @varsitybyzerodha  Рік тому

      Hi Abishekram, could you please create a ticket on support.zerodha.com, so we can have this checked?

  • @kumarsamir02
    @kumarsamir02 Рік тому

    Chart is looking incorrect
    For 3rd sister

  • @vinilkumar6359
    @vinilkumar6359 Рік тому +2

    Started at 30 😅

  • @user-lz7cx1mo7e
    @user-lz7cx1mo7e Місяць тому

    I started later than the 3rd sister at 30.

  • @Cocolemonkidsstories
    @Cocolemonkidsstories Рік тому

    I started from my very first year of job. 😂😅

  • @aryansumal7876
    @aryansumal7876 3 місяці тому

    i started when i was 18 im 19 now

  • @Vashistha.liftss
    @Vashistha.liftss Рік тому +1

    i am 20 years old

  • @HarshShodey
    @HarshShodey 10 місяців тому +1

    15

  • @aaminsan239
    @aaminsan239 7 місяців тому

    Currently i am 21 😞