How to invest for your kids? (or for long-term goals) ft.
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- Опубліковано 27 вер 2024
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Investing 1 CR for our kids.
How are we going to do this? Where are we going to invest?
Watch this video till the end to understand to know our plans :)
P.S: NOT AN INVESTMENT ADVICE. Please do your own due diligence.
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Isn't it would be good to go for midcap index fund (yes volatility is higher) than flexi cap fund considering 20yr time frame. Pls advise you view point. Thanks
Hi Akshat ,
Nice video & helpful tips .
How do invest in usa based stock market , via which platform ?
What are tax implications on usa based investment please explain or make a video on it
Thanks
Can I get your email id sir?
Mutual funds would attract the taxation.. Sukanya Samridhi is in EEE category.. to effective return would be somewhat close to 12%. In that sense it's a considerable SIP type of investment which guarantees your return but not linked to market. I think you shall encourage people on this point. Obviously unless govt don't decrease the return.
Having said that, I agree with you point in your earlier videos on avoiding expense ratio and invest in index stocks in the same ratio.
13:38 you are contradicting your own point man. You started the discussion keeping 20 years as target and displaying nifty 50 benchmark returns. And while talking you are scaring people that within 8 years the govt would collapse. 😅😅
Feeling extra gareeb watching this video. 😢
😂😂
I’m also with you
😂😂
😂😂
😂😂
Guys dont lament at the corpus of 1 cr. The point which Akshat's better half is repeatedly making, is that the corpus ia flexible for each family for them its one cr for you it can be one lakh also. Now surely with one lakh you cant invest in real estate but you can invest in other assets like equity, govt schemes, fds, sgb etc. We all need to start somewhere rather than lamenting "where will i get one cr from!" Take the embedded lesson dont go by the corpus, implement it on your own lives and scale up as you go with it
Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
It is recommended to seek the assistance of a financial advisor or broker to diversify your investment portfolio through the inclusion of commodities, inflation-indexed bonds, and stocks of financially stable companies, rather than relying solely on growth stocks with uncertain future earnings.
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumours and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of an advisor, before I started seeing any significant results happens in my portfolio, been using the same advisor and I’ve scaled up 950k within a year, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
I personally work with “Vivian Carol Gioia” she covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk. many things like that. Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find her.
@@Dantursi1 Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
when i see both contradicting and putting up different view points boldly, transparently and unashamed. This shows its a honest conversation and not a scripted one and winning our trust.
No. This is not an extempore conversation. This is a carefully scripted, well thought through video.
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $508k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choi
I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?
The adviser I'm in touch with is *CAROLINA MELINA PHERSON* she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me she strategy works hence my result. She provides entry and exit point for the securities I focus on.
Thanks, I just googled more about her, I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
Your kids are blessed, not for the money you're investing but you seem to be good parents they can look up to
Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.
Sincerely it's best to seek an advisor right now, unless you're canny yourself. As a business owner in both the service industry and eBay reseller of all product categories, I can tell you we’re in a deep recession and everyone is running out of money
Very true, people downplay advisors role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, my stagnant reserve of $325K has yielded nearly $1m after subsequent investments so far.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation
@@manu4690My Financial adviser is ‘’Teresa Lynn Carmi’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
@@maysasatanThis is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. fully retired with over $3.5million, my dividends is supplementing my retirement at the moment. started saving and investing in 2010 in growth, No regrets and financially free
This is an amazing goal so many of us are striving for, Trying to build wealth and diversify assets
Can't advice you on the best approach i'm not a pro but will recommend you speak with an Advisor, Martha Cornell Kerns, her constant advice have helped me a lot.
Congrats, you're really doing well for yourself
goodluck, for me is not about starting but making the right decisions
So refreshing to see Akshay and Ayushi speaking so candidly and transparently and actually advising us, like we are their dear friends. Your insights really do make us wiser. Power to you both. Keep it up!
Best statement of the entire video " our kids are our assets" ❤
Aaj kal finance k chode, baccho ko bhi asset bana rahe hai.
Only time will tell if the kids turn out to be assets or not 😂These days it is very common that your "assets" throw you to old age homes with no mercy whatsoever.
But it's good on the parents part that they love their children and want to safeguard their future.
The advantage with SSY is that it enjoys an exempt-exempt-exempt for taxation.
So with tax correction built in, the net returns actually become 12% or so.
That said i haven't invested in SSY either. I just think that the tax adjusted returns are in fact quite reasonable.
U mean u have invested?
Agree with this point... Diversification in SSY and PPF would be the right decision along with index, equities and mutual funds..no one can guarantee that Japan scenario won't happen here, any chance similar things happen, it will spoil all our investments like index funds, equities, MFs... Also note that the returns received from SSY and PPF are completely tax free and other charges free.. It will be collected 100% though return is less than MFs
Absolutely my thoughts. Also SSY is a secured investment. Your SIP may be taken away by big corporates by claiming that markets have fallen drastically
How I invested 1 Cr here: Invested 50 L in corporate bonds, 50 L Dividend yield stocks. Auto invest of the that Bond"s interest income & Dividend income into the Monthly SSY.
Did you do this a bank or urself is ur portfolio getting assisted
what did I just see? Thanks Akshat and Ayushi. very genuine souls. May you grow and help others.
For sukunkya scheme is tax free on maturity. But index fund is taxable at maturity which be 30%. And if your index fund is giving 12% return then 4% will go as tax and in hand you will get 8% only which equals sukunya scheme
12:52 - Gold chart shows a cup and handle pattern. So in technical aspects, gold is getting ready for a good upward move.
I second that as commodity cycle is long we are in for a long up cycle for a period of say 8-10 years beginning from 2019
Stocks forum running an ad campaign with your picture....
I think you should take necessary action.... couldn't add the screenshot in the comment box
Hi Akshat, when u mentioned alpha as 5-6% on investing in equities, I feel that is incorrect, because there is a LTCG (considering you hold index fund/equities for approx. 20 years). As per my understanding alpha will be around ~4% whereas SSY u get pure alpha of ~2% (tax-free interest). Also, in my opinion, Indian markets are going now but how can we assume it will grow at 12% CAGR over the next 20 years. Not trying to say that SSY is better than equities, but there are a few assumptions (LTCG remains constant for next 20 years and Indian index fund grows by 12% CAGR)
Ltcg is 10% only after this also there will be huge difference in Corpus compared to ssy
LTCG may go up to 30%
Hmm...now I realised that I can't even afford to raise a single kid 😅😂
Nice analysis. I would like to invest 20% in Fds so that if Stock market falls drastically due to some shocking incidents, I would invest in equities. It'll also help for getting VISA.
Bro called us and our parents poor in multiple ways in 1 video 😂😂
Truee
Wonderful video. Thanks to both of you for taking the time and effort to make this video. Indeed very helpful for new generation parents. Thanks to you again and wish the very best for your kids and both of you.
Why are not investing in BTC in your kids portfolio because we all are bullish on that over the long-term. Any specific reason. Your thoughts would be highly appreciated. Thank you.
A video with a lot of practical information about finance.
I think the SGBs are basically NOTES of buying the specified amount of gold i.e in simple terms it is backed by gold or could be thought of as receipt for holding the gold by the govt to the bearer. So is it right to say that "SGBs are paper money and not similar to holding physical gold" ?
Because physical gold also is not kept in locker most of the time as families are moving from one place to another. And we keep the gold at our own risk. Doomsday scenario is possible in both (SGBs and physical gold) cases.
Extremely good insights, got to learn a lot. Thanks Akshat.
Super vavlavble information thankyou very much AKSHAT
Great to see you both together.......... Very interesting and insightful discussion
Best Jodi ever ...mam and sir lots of things u teach us ...thanks for telling us about investment
sir, I think you should I a small portion of your portfolio in Bitcoin. which is a community. that Your son can also say my father bought Bitcoin at this low price. love you, sir. im learning a lot of lot things from you sir love you
Guys I want to tell everyone that I am invested for over 12 years and have a portfolio of more than 8 digits have done studies on mutual funds.
Please buy index funds for small, mid , large and in flexi cap. I can bet no one can ever beat index funds in any category.
I agree but except for Momentum Investing...
You guys make a great couple. Touch wood.
Hi Akshat, what are your views on Children mutual funds?
akshat bro very useful video ...& u r very lucky to have intelligent wife like her also
Thanks to you both for an insightful conversation. I am scouting for Real Estate Property which would give me minimum 9-11% annual yield.
Thanks and love your videos , which are always helpful. Please also make a video on how to get better yields on what kind of real estate propeties,Thanks as always.
Hey, good vid however you havent covered taxation. sss is tax free compared to index funds or equity so it may not be as bad as you made it sound.
Lovely couple. God bless you 😊
Thank you, Akshat! Great insights.
Thats a sensible strategy. It comprises all elements of Growth , Hedging and regular cash flow components.
Schemes like Sukhanya etc can be used for hedging against inflation.
This is for worst case scenarios like, lets say, your kid needs huge funds for college fee, but the market had crashed by 50-60% in the previous year. If he is forced to liquidate he will lose a lot of value, but schemes like sukhanya etc would have atleast protected the value of the initial amount as the govt will always be giving returns higher than inflation.
I'd say put 10% of the fund in schemes that are a 100% inflation and recession proof.
That's my 2 cents. Otherwise i love your split. 20% blue chips picked with your knowledge of the market is going to be more than 50% of the future value in my opinion, simply because of your skillset.
Good luck to you.
I wish you had made this video 35 yrs back and my father had invested in my name. 😅😅😅😂😂😂
Shi bola bhai😊
21:08 : Process realted question : all this investments which you have done are in name of your kids (Minor)? Did you open their demat account in zerodha?
Can you please share details? And also effect of taxable in any case minor / in name of yours
If u believe in market, SGBs is worth giving a thought.
Very nice video Akshat and I agree. Thanks so much for your time and great contents 🥲
Great 🎉
Me fresher watching video with 10k salary 😢😊
You are blessed and lucky to watch this content at start of your career
Homeschooling and study abroad.if there is options out there, then BIG WOW!
I am not aware of that.
Excellent content thank you
Key take away from this video for me is, "agar hona hi tho ho jayega", thank you @Ayushi madam 🙏
Good bro. All the best. Hope your dream and child dream come through..🎉🎉🎉
Global funds especially US based you forgot that. They will add some currency appreciation value per year since your focus was kids education abroad. Your comments.
22:25 Eagerly waiting your video on how to scout a real estate property.
nobody has surplus money, people don't have money for their needs in first place
Key benefit of Sukanya Samriddhi Yojana is that the 8% interest you get is tax exempt. Your investment in equite is going to get taxed at roughly 18-20%, making real returns close to 10%. This makes it much better than any other debt instrument. Unless you are recommending a 100% equity portfolio (I hope not), investing in SSY is a no-brainer IMO.
Akshat bhai
U r so simple and humble . Such a good soul . Ma'am also seems like a kind hearted woman
As usual another honest video by honest family. Lot of blessings always
What is the maximum years for s.i.p the more years, the better returns would be bc of compounding right? Can I invest 10k for 40years ad get 10cr when I retire? This makes much more sense. Ofc 18-20 years is expensive age but when you retire you can build a home for constant rental income for kids. Which is better to enjoy life.
How come they have 2 children, few months back when i saw a video they only had a son now they have a baby girl.
Sid they adopted her?Anyone?
Hi, thank you for the all the work you have put in, its really transformative.
I have a very different question, if there is person that has no family liabilities to take care of and just wants growth, is not particularly bothered by volatility, and his/her goals are flexible of say travel, has decent health insurance, what would you advise such a person?
How should that person invest? Should they still have asset class diversification or given that equity will more or less surpass other asset classes and is easier to manage than say real estate, should they go in 100% equity route albeit in a diversified way (even between Indian and US markets)?
Sukanya samruddi has ceiling of 1.5 lakhs per year....
One can't invest more than that or 1 crore at a time as bulk investment...
So calculating returns on 1crore on this product, doesn't make sense....
Hi @akshatzayn you have been mentioning about the Airbnb business for sometime now, is it live now? Please share more details on it. Thanks.
Hi akshat,
I have been following you for a while, my knowledge regarding investments has improved quite a lot, thanks to you.
I would request you to make a video on how to scout a property which can give 6-11% yield.
Thanks
You can read about affordable housing scheme in Gurgaon..rates are about 35 lacs for 3bhk with mivan construction..rents for completed projects are giving more than 6% yield...alotted by a draw of lots..people from outside haryana have better chances in the draw
Appreciate for all the information how ever could you share your insight about bond?
Helpful. Well explained
Can you please make more videos on Real estate
that pattern of conversation is rare,, In my home, you could literally hear banging utensils for each counter argument.
A very informative video.thanks a lot sir n mam. No one talks about FDs, isn't is a good option for investment. If possible could you please tell something about that also.
You could have spoken about clubbing provisions under the Income tax Act. Also, what are benefits of ear marking or investing in children,s names. Keeping it simple into 2-3 buckets I.e. education, marriage. And after parents time, children inherit anyway. Also, importance of will to protect one.s asserts falling into wrong hands. Real estate depreciates after 25 years and cost of maintenance goes up. And the location may not remain as attractive. Why not a combination of index, small cap and midcap to get a an annualised return of say 5% over the risk free rate? Keep it simple and tax efficient.
Great job ayushi first time seing you on akshat videos but very good insights and info from both
If she is a govt employee
Can she can invents in us stocks??? And US mutual funds like In NASDAQ??????
Is it legal for a govt employee to??
*I read about a man in his 50s who started investing in stocks and real estate and then retired in 2 years with over $6 million and that is my main goal and I would really appreciate any suggestions or advice on how to achieve this goal. in 5 years. Especially with the current economic crisis around the world. It is still a good time to invest in gold, silver and digital currencies BTC, ETH, SOL...*
Marriage age is increased to 21 for girls.
Could you please analyse Amrutanjan stock.
Its really great that with a Gov salary she was able to create a corpous of 1cr in such small time.
He has earned
Thank you dear @akshat for these informative videos. I've joined your community a month back. Have seen multiple times you talk about the multi-bagger portfolio but didn't get a reference to it, even after joining as a member. We do understand the strategy involves enough risk and some of those stocks might go down to the bottom but can you please suggest us on the multi-bagger portfolio as the market stands today.
Please do a video on how we can find real estate with good rental yield with your example if possible
You can read about affordable housing scheme in Gurgaon..rates are about 35 lacs for 3bhk with mivan construction..rents for completed projects are giving more than 6% yield...alotted by a draw of lots..people from outside haryana have better chances in the draw
Parag Parikh Flexi Cap Fund but they have 2% exit load 😅
SSY has biggest advantage of 3Es
How we can say SGB defaults in case sovereign collapes?
In my understanding,if government fails its d stock market will take the hit first
In sukanya samridhi scheme the money is tax free and in index fund u have to pay the tax
Thank you for the lovely video.
Could you come up with another video on how to find scout in real estate property
Hi Akshat, Why are you not thinking to Invest Kid's education money to some dollar(USD) backed stock/index directly & holding USDs but not INR. I saw one of your vid/post(can't remember exactly) that for another 10-20 year US dollar will remain remain strong which means INR will devalue further (probaby another 30-40 % in next 20 years from current price).So, If your children wants to study abroad then overall it will be devaluation to the investment but If one hold it in USD then it's a win-win situation.
Hey Akshat, Again useful video. But, on real estate investment, I can understand from diversification perspective. But, to generate an alternate cash flow especially during equity market crash etc. will it not be tough ? Don't you think.. short term rentals is a luxury category and during low-turns in the economy people generally tend be cautious on their expenditure (might delay their trip plans etc.) which might directly impact the rental yield. Waiting to hear your opinion on this. Not sure If you might notice this comment.. but, trying it anyway 😀
True, you're right
Do you have a separate Demat account / Pan card for kids. How you plan to invest. In your Demat account. If your account. How you transfer to your kids.
If govt defaults, forget SGB; do you think all holding in stocks and mutual funds will have great value?
Is 1CR in kids name?
Why Infian govt have tax break?
Are these funds on maturity taxable?
Thanks for sharing this. It is very informative. Wish you guys a wonderful life.
There are total of 60L people in India who file returns with a taxable income of more than 10L pa.
There are 6.4 Crore people who have a taxable income between 5L & 10L.
I think a lot of these people are sitting in the comment section. So the advice given here is not too disconnected from what people can do even if it is not to this extent. Over a 20 years time frame - you will do well with whatever you start with.
One should feel sad only if you are part of the people who are not even earning 5L because these are the people who face the real struggles in life and don’t even have hope that they will be able to enhance their earnings and provide some hope in life even for the next generation.
Great video Akshat
My question is how you structure this investment?
Would that be your names (I.e parents name) and later gift them?
Or create a company name with benefit trust ?
I would like to know from the taxation point of view for next 20 years until the kids are old enough.
I would like to know the best practices that are available in India for building kids portfolios.
Make a video on real-estate. How to find high yeild rental properties
You can read about affordable housing scheme in Gurgaon..rates are about 35 lacs for 3bhk with mivan construction..rents for completed projects are giving more than 6% yield...alotted by a draw of lots..people from outside haryana have better chances in the draw
Hi Akshat, Could you please create a video on NPS also. Its Pros and Cons etc ?
Ur wife is so beautiful✨❤ nd intelligent too.
Most of the people will sell their index fund or equity investment within a few years as they won't be able to handle the heavy gains or heavy losses. So SSY will be better in practical terms as there is lock in.
Patience ho nerve control kar paao toh hi equity me ana chahiye, you are right 👍🏼
For diversification. Invest in SSY,PPF also
No body need not to compare financially with Akshat.
His philosophy of investment need to be understood not replicated.
Start early investing like this couple is doing for their kids. Before that "Time Test" your investment philosophy like they have done individually.
Akshat, we need a video on undervalued real estate ASAP
Hi Akshat, I heard you conversation regarding sukanya samriddhi, but i guess i want to add that investments/interest earned/maturity amount made in the sukanya yojana are eligible for a tax deduction. You can claim a deduction upto Rs 1.5 lakh under section 80C. Also, interest earned and maturity amount are also exempt for tax purposes. I guess event when we are compare with NIFTY that will not be case.
Dear Akshat, SSY is inbuilt with 8th world wonder of compounding power. Don't underrate that...
You are not telling about tax part ? Have u considered it ?
I am so proud of you Ayushi. I just cannot recognise you. love to you and your family 🩷