10 Avoidable Mistakes Of Retirement Planning

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  • Опубліковано 28 вер 2024
  • #nri #nrimoneyclinic #financialplanning
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КОМЕНТАРІ • 56

  • @donaldlobo3112
    @donaldlobo3112 5 місяців тому +8

    With due apologies to Mr Pai, I have had very bad experience with financial advisors who all seem to have vested interests to increase their commissions, incentives and targets to the obvious detriment of your finances.
    The worst scoundrels are the bank relationship managers.

    • @TheChromelover
      @TheChromelover 5 місяців тому +1

      Yes. Choosing the right financial advisor is also important. Go for a SEBI Registered Investor Advisor. They are also called - Fee-only advisors. They will not have vested interests.

    • @sandhyagokhale247
      @sandhyagokhale247 Місяць тому

      ❤️

  • @mnarayanaswami3262
    @mnarayanaswami3262 6 місяців тому +2

    Sir..I am regularly watching your episodes. I am of the view that institutions, private or public should educate youngsters to watch, understand and benefit from these values. I think HR departments could send links so that at least 50% employees would listen and benefit.
    Please endeavour to tie up with HR departments of big organisations like Tatas/ Bajaj/ PSU and private sector banks etc
    All the best.

  • @gowrinadkarni8997
    @gowrinadkarni8997 5 місяців тому +1

    Please give a general idea how to plan a portfolio for retirement planning
    How to invest, in which funds,how much % in FD, how much % in SSCS, How much in Post, How much in Stocks
    How to plan a 2 crore portfolio

  • @binoymathew9195
    @binoymathew9195 6 місяців тому

    Good points ❤ Diversify Investment and avoid complexity. Keep simple life post retirement ❤

  • @parvathijilumudi1693
    @parvathijilumudi1693 6 місяців тому +3

    Portfolio may be very handy as you build and grow by retirement
    25% (Gold + FD)
    25% (Mutual Funds SIP)
    25%(Real estate - own house + rental)
    25%(Retirement fund)
    Should be accessible as needed with decent growth potential.
    Adding health insurance could help you sleep peacefully 😂

  • @milindkulkarni7478
    @milindkulkarni7478 6 місяців тому +4

    Gold rates are increasing and given handsome returns in past 50 years. Can you please prepare video on gold investment it's benefits & disadvantages?

    • @harism2001
      @harism2001 4 місяці тому

      Exactly !!!! Hoping for a clip on this !!

  • @sundarnarayanan3511
    @sundarnarayanan3511 6 місяців тому

    Great advise. Please make a video or an expert interview on creation of trust for the needs of special need children

  • @shabnambhuinya3502
    @shabnambhuinya3502 6 місяців тому

    EXcellent explanation on retirement planning.

  • @sohanchakraborty3995
    @sohanchakraborty3995 6 місяців тому +2

    Excellent

  • @girijeshmehta6816
    @girijeshmehta6816 9 днів тому

    How much your advisors charge for giving advice

    • @NRIMoneyClinic
      @NRIMoneyClinic  9 днів тому

      You send WhatsApp message on the number given in the video

  • @febsnoopy
    @febsnoopy 23 дні тому

    Dear sir i tried to have retirement planning through you after watching many of your videos.
    I contacted you with the whats app number. Unfortunately what your people replied is they dont do any retirement planning. They only manage my assets through NRI money clinic. I was disappointed as it is contrary to your videos.

  • @anoopverma9226
    @anoopverma9226 6 місяців тому

    Please recheck Nifty rolling returns w.r.t. your analysis

    • @NRIMoneyClinic
      @NRIMoneyClinic  6 місяців тому

      Can you give me your calculation please . Let me have a look

    • @anoopverma9226
      @anoopverma9226 6 місяців тому

      @@NRIMoneyClinic If you look at rolling returns of Nifty 50 since 1999, average returns is15.37% with median of 13.3, but while discussing you were quoting much lower figures

  • @balbhatt
    @balbhatt 6 місяців тому +3

    How much you charge for retirement planning

  • @MUHBEEN
    @MUHBEEN 5 місяців тому

    Excellent

  • @jaikishansmspl39
    @jaikishansmspl39 6 місяців тому +2

    Thanks. You have covered the major points for Retirement Planning. God bless you and your team.

  • @RajeshKapoor-n8u
    @RajeshKapoor-n8u 6 місяців тому +2

    Many of us are waiting to exit their holdings in stock markets and real estate and dreaming of investing in longer duration fixed income instruments. Alas interest rates are waiting to take a drastic u turn after elections and this will diminish our planned monthly cash flows by 10-20-30%, God only knows Rbi!!

  • @dipenchatterjee21
    @dipenchatterjee21 5 місяців тому +1

    Very well explained sir....with a beautiful ending ....the society needs such lesson ....

  • @sanjeevmehra2987
    @sanjeevmehra2987 3 дні тому

    Very good suggestions. Thanks a lot.

  • @veneeshsanthosh8011
    @veneeshsanthosh8011 17 днів тому

    Like your delivery of message, very clear communicatiom

  • @SOBY4K
    @SOBY4K 6 місяців тому +1

    As usual something to learn..❤❤❤ love it and liked too. Thank u for the lovely content❤

  • @narasimhansampath4374
    @narasimhansampath4374 2 місяці тому

    Do you have shortlisted partial real estate investments that are legally verified and ready for investment?

  • @sex1now
    @sex1now Місяць тому

    Excellent advice. very realistic.

  • @NagendraKumar-xp2qq
    @NagendraKumar-xp2qq 6 місяців тому +6

    Great, please make a video to explain the mistakes age 45 to 55.

    • @RichiRich11
      @RichiRich11 6 місяців тому

      I am 43... save 3cr for retirement it would just be worth 30Lacks in 20 years...
      Annuity is worthless option
      What to do??

    • @RichiRich11
      @RichiRich11 6 місяців тому

      @@manojsuri007 I would differ.... Incase there is a war or nuclear bomb blast, expect 3cr to be 3L in 20 years... some exposure in gold is a must

  • @thomasgeorge9049
    @thomasgeorge9049 3 місяці тому

    What is your fees..?

  • @bhavanikanugula6576
    @bhavanikanugula6576 2 місяці тому

    Thank you

  • @kdselarka
    @kdselarka 5 місяців тому

    Thanks for the details and guidance. Can we have some guidance on type of investment options for those between age group is 45-55, staying in UAE or other gulf countries?

  • @shahanawazshaikh2330
    @shahanawazshaikh2330 5 місяців тому

    Dear Sir,
    To repay home loan early, it is advisable to make 1 or 2 EMI extra per year to principal amount... But instead of 1 EMI amount paying per year,can I pay that is equally small amounts per month to principal o/s amount? Will it make same impact?
    Pls assist

  • @sid.kavalu
    @sid.kavalu 5 місяців тому +4

    Valuable advice! Having a wife who is not financially literate can cost heavily.

  • @sanjeevathani5581
    @sanjeevathani5581 6 місяців тому +1

    Excellent eye opener Sir. Keep it up

  • @balbhatt
    @balbhatt 6 місяців тому

    If you If you deposit FD for 10 years, the return will be double then fix deposit rate if you put at today’s 8% FD after 10 years, the return will be around 14.4% due to compounding

  • @natarajanravi6973
    @natarajanravi6973 6 місяців тому

    For a. 60 year old with about 2 crores retired, how much to invest in fixed income and Mutual funds.

  • @rkrisk888
    @rkrisk888 3 місяці тому

    Invest in some Index funds, some rental properties, land and some FDs for emergency cash. Keep your health is good shape..

  • @biplabbanerji5336
    @biplabbanerji5336 5 місяців тому

    Really appreciate your representation,but can you suggest a blanket plan which we can follow and please send me the link for joining your channel.
    Thanks.

  • @satishkulkarni7054
    @satishkulkarni7054 6 місяців тому

    Good words of real concern as always. Thank you sir ... Watching your videos will keep us in right track of financial planning...❤

  • @narasimhansampath4374
    @narasimhansampath4374 2 місяці тому

    Really well articulated, I agree that not all that you have mentioned is a DIY

  • @madikerirahman3201
    @madikerirahman3201 6 місяців тому

    Really a very informative and well researched and a very useful video especially for someone like me who is on the verge of retirement. Thank you so much sir.

  • @aksket2000
    @aksket2000 6 місяців тому

    Sir, I have a health insurance from care for Rs 5 L for couple. Can I increase to 10 L now?

  • @pappubhogarao
    @pappubhogarao 6 місяців тому

    Very good

  • @SantoshMishra-gb3kr
    @SantoshMishra-gb3kr 6 місяців тому

    I will appreciate if solution are given my age is 58 please suggest

    • @pda1935
      @pda1935 6 місяців тому

      Do watch one of his past video on retirement income generation strategies. It talks about how to have a mix of different sources of income to fund your retirement cash flow.

  • @SantoshMishra-gb3kr
    @SantoshMishra-gb3kr 6 місяців тому

    You only give mistakes but what about solusion

  • @TubSuper
    @TubSuper 6 місяців тому +1

    Expense is inversely proportion to your age during most of post-retirement period, except in the domain of health.

  • @vikramlimaye9655
    @vikramlimaye9655 6 місяців тому +1

    Thank you Mr. Bhat as always!

  • @Parul-o9q
    @Parul-o9q 6 місяців тому

    Bakwas video. No concrete solution.

    • @kishore314
      @kishore314 6 місяців тому +1

      Solutions cannot be same for all. Be aware and think about the solutions for you.

    • @anilbakshi4505
      @anilbakshi4505 4 місяці тому

      Even if you don't like the content please don't give comments like Banwas It may be useful for someone Or let us take it only for educational purposes