Retirement planning for 40 thousand per month/ 50 लाख से 40 हजार महीना कैसे कमाएं?
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- Опубліковано 26 сер 2024
- Most important part of retirement planning is calculation of monthly income. In this video Swati, b wealthy lets you know how can you get upto 40 thousand rupees per month with an investment of 50 lakh.
रिटायरमेंट के बाद मिले 50 लाख से 40 हजार महीना कैसे कमाएं? जानना है तो ये वीडियो देखें।
#retirement income planning
Music: www.bensound.com ्
शुक्रिया, उन सभी का जिन्होंने ये वीडियो देख लिया है। उन लोगों को भी धन्यवाद जो ये वीडियो आगे देखेंगे। अभी तक के सभी कमेंट पढ़ें। बहुत खुशी होती है ये देखकर कि निवेशकों में जागरुकता बढ़ रही है। कई कमेंट में इन्फ्लेशन से लेकर कई तरह के सवाल है। सवाल एकदम सही है - बहुत सारे फैक्टर्स को ध्यान में रख का पोस्ट रिटायरमेंट निवेश की प्लानिंग करनी होती है। और हर निवेशक की निवेश स्टाइल, स्ट्रैटेजी, रिस्क लेने की क्षमता वगैरह सब अलग हो सकती है।इसलिए इस वीडियो में हम ये दावा नहीं कर रहें कि ये आईडियल पोर्टफोलियो है। हमारे पास लिमिटेड जानकारी आई- सवाल के रूप में, और हमने उस सवाल के जवाब के ज़रिए एक डायरेक्शन देने की कोशिश की है कि कैसे आप अलग-अलग इंस्ट्रूमेंट्स का सहारा लेकर अपने लक्ष्य तक पहुंच सकते हैं। आपको ये भी आइडिया मिलता है कि आपके लक्ष्य realistic है कि नहीं है। Stay Blessed, Healthy & B Wealthy
100% agreed 🙂
👍👍🌹🌹🙏🙏
GOD BLESS YOU ALWAYS MA'AM 🙏
सही है
Hello madam. If I were 60 years old retired person having 50 lacs savings in my account , I would deploy that in following ratio :
1 Rs 1000000 in crisil AAA rated corporate fd like Shri Ram finance which is currently offering 8.90 percent pre tax yield. But I would not lock this amount for more than one year to decide better option next year as per prevailing lending rates.
2. Rs 1500000 - In scss . purely for the sovereign guarantee , it carries.
3 Rs 2500000 - in two balance advantage hybrid funds and would do swp from that .
TBH, this corpus of Rs 5000000 would not survive for too long if equity exposure is not taken . So, if one likes it or not, equity exposure will have to be taken depending upon risk profile of an individual.
आपने रिटायरमेंट के बारे में बहुत अच्छे से बताया और इसकी तैयारी कर के रखना चाहिए👍👍
1. SCSS - 1500000 - 9250
2.PMVVY- 1500000- 9250 3. Floating rate saving bonds - 2000000 - 11916. 4. SWP ( very good but very risky in volatile market &present condition I will avoid), so I would invest Rs 50 laks in SCSS, PMVVY & Floating rate saving bonds giving returns 30416 monthly & 50 lakh capital saved.
Bhai 40000 monthly he needs so baki ka balance amount koun dega onhe please understand the requirement first.
@@JaspreetSingh-kx5pc : We need to consider tax too before he gets something in hand.
@@ShilpS07 agree but we can consider that the investor understand the tax part as he is asking for 40K per month and not mentioned post tax he needs 40K
Bhai saab aap apne saving bank account me 'Auto sweep facility activate karva lijeye' aapko 8 % Tak byaj milega. Jo bhi monthly returns aate hai in 3 schemes hai jama karvate rahe saving bank account me 8% Tak byaj mil jayega.
@@vijayparmar3014 Auto Sweep is giving 5.1% interest not 8% (SBI).
Thanks Swati madam. Now i am aged 58 years. This video is helping me a lot to plan my retirement after 60 years.god bless 👍👌
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I have started to invest money in NSC per month Rs1,05,000,prior to retirement of 5 years,Iam getting per month Rs 1,49,393…i am keeping Rs44393 as per month pension and Again reinvest Rs 1,05,000 in NSC per month... tension free retirement.I am suggesting above scheme to every person whom has no pension scheme...thanks mam for suggestions.
बहुत सुंदर वर्णन, जो भी retire होने जा रहे है उनके लिये बहुमूल्य जानकारी. बहुत कम लोग है जो सही तरीकेसे कैसे पैसे का इन्वेस्ट नही कर पाते.
आज मै retire होके ७ साल हो चुके है और मेरा इन्वेस्टमेंट SCSC और HDFC बैलेन्स advantages फंड (Dividend) monthly pay out में किया है और आज तक फंड ने धोखा नही दिया है और valuation भी maintained है. SWP idea खराब नही है लेकिन day by day principle amount और units भी कम होते जाते है. वैल्यूएशन मार्केट के बेसिस पर कभी भी कम हो सकता है चाहे सिस्टमैटिक्ली withdrawal हो या डिवीडेंड पे आउट हो. लेकिन professional फंड मैनेजर पूरी कोशिश करते है की फंड का performance अच्छा हो चाहे मार्केट कैसा भी हो और पैसे का churning कैसा हो वे बहुत अच्छे से जानते है. मैडम को फिरसे बधाई इस valuable video के लिये.
Thank you Swati Ji. Explained in a very simple manner. I have been getting monthly income from Post Office MIS, Bank FDs, Bonds.
Now I am planning to invest around 30L in Balanced Advantage Fund, Equity Hybrid Fund and Index Fund for SWP or I will plan to withdraw whenever I need money and allow it to grow otherwise.
Madam instead of PMVVY ask him to invest in RBI flexi bond almost equal to PMVVY but with less Lock in period for senior citizen as well as chances for FD rates to be improved over years as RBI is likely to take measures to contain inflation there by increasing CRR and Repo rates.
Mam I have invested 15 lacks in hdfc balanced advantage growth fund for swp.
After watching your previous videos. Thanku
Useful video. Same corpus(50 lac), age 35, same income(40k) every month. Plz one video more. Thnks God bless you
I have same corpus... same age... PLease suggest some idea
Maine money management me isse behtar channel nahi dekha aajtak
Thanks This vedio very useful for senior citizens investment ideas like me.
My investment is 80% in debt like scss ppf pmvvy ect.20% in MF. I m 64
Thank you for watching the video and commenting Suresh Jee. Stay Blessed, Healthy & B Wealthy
Recently I also invest in RBI Flexi cap bond
SCSS and PMVVY are best, I hope the person is aware of all T&C. 3000000 invested in both.
Quarterly these 2 schemes give 55500, so 65000 is less for quarterly requirement of 120000.
Make 6 fd of 65000 with Tenure in months 3, 6, 9, 12, 15, 18. (390000 in total)
You will left with 1610000, invest these in Aggresive Hybrid fund (65/35 - equity/debt), remain invested for 18 months and thereafter fund will fulfill the requirement of 65000 quarterly.
1st 18 month taken care by SCSS + PMVVY + FD, thereafter SCSS + PMVVY + MF withdrawal
What are you talKing about SWP from Debit/equity fund after 18 months .Is there any specific cause or benifit of it.?
मै भी आपके जादा तर व्हिडिओ देखती रहती हू और मेरी मा को भी दिखाती हू! मेरी मां 70 साल की है, जो रिटायर्ड टीचर है। हम दोनों मिलके व्हिडिओ पे चर्चा करते है, और मेरी मां के रिटायर्ड मेंट के पैसे मे से उसने यही इंतजाम करा है 2010 मे। उसकी सुझ बुझ की वजह से आज हम लोग आसान जिंदगी जी रहे है! आप का बहोत शुक्रिया की आप हमारी तरह औंर भी कई महिलाओं को साक्षर बना रही है! धन्यवाद।
All the debt instruments will attract full tax. It is not considered in your calcilution. SWP is the best option. You can put the entire amount in Arbitrage fund and then do the SIP to BA fund and then do SWP. This will give security against the market up and down and also give tax efficiency and increase then corpus.
You look gorgous and present beautifully. God bless you.
Those who have pension, they don't have the problem of generating the corpus and it's investment. people in private sector who don't have pension, only suffer. This is the major gap. After hard working for many years in private sector, people do not have security of their retirement and always remain in worry.
Parag parikh conservative hybrid fund me 25 lalkh and icici pru regular savings fund me 25 lakh dale. 3 sal tak kahi naukri kare kharsa nikake. After 3 yr do swp of 40k.. it will be ok.
You are right bro
How many years will it be
makinginvestingeasy.blogspot.com/2023/01/retirement-planning.html
Sahi, there is no thing as a retirement age if you can work keep doing it
Perfect….or do swp….do mid cap or small cap.
HDFC Balanced advantage fund, SWP 10% annually (i.e., 10%/12 months). HDFC Balanced Advantage fund grows at 10+%
This is very good video on generating steady return from a conservative portfolio. This should not be confused with retirement planning (RP).
RP has to factor in post tax return, medical expense, inflation, family dependencies and lot of other factors.
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Aap bahut achhi ho aur main aapka fan hun
@@madanmohanpandit2500 mein bhi Aapka pañkha hun
Madam ji green dress aap ki baate jitani sunder hai utne hi aap bhi sabko gyan dete ho meko achchha lagata hai kyonki gyan jitana mile km hai ..aap se life me bahut kuch sikhne ko milta hai
...nice video no.1
Put 50 lakhs in HDFC balance advantage fund direct dividend option. At present nav rate you get 162000 units.
As of now they give 26 paise per unit.
So for 1.62lakhs unit you get 42000 per month approximately. Even during covid times they gave 23 paise per unit which lowest in last 8 years.
Avoid putting all eggs in single basket.. just a suggestion..
स्वाती जी आपका विडियो देखा बहुत अच्छा लगा .वाकई मे एकमुश्त 50 लाख लगा दे तो रिटायरमेंट के बाद अपनी जिंदगी आराम से जी लेगे From Bihar sitamarhi मेरा नाम दिनेश प्रसाद है। स्वाती जी मै भी invester हूँ Mutual fund मे.
Hi Swati, just came across this video...it’s absolutely lovely to see after seeing ur your money years back....
God bless u
Namaste Rajeshwari jee. Happy to read your comment. Hope all is well at your end. Stay Blessed, Healthy and B Wealthy
@@BWealthy all ok.... the way u used to greet the the person on call , clarify experts advice for the person whose question was being answered..was simply Great... showed the important role & method of a very good host of such Q& A shows..
I am definitely the subscriber of this channel now👍👍👍👍
@@rajeshwarihemmadi3229 Thank you so much for the kind words. 🙏
If the holder has been maintaining ppf account, it being EEE, can generate tax free returns every year, so it has to continue life long... Another option in non-equity is rbi bonds and SDLs..
Thank you ma'am for making this video. Really helpful as my father has retired recently.
In my view individually husband and wife both can go with the mis, pmvbj, scss so both can save more than 40 K
We break up amt in different product of swp for safety
I would invest 20% in psu shares like ptc pfc rec ioc nmdc , which have yield of 9 to 10% and growth in value slow but downward risk is minimum , with liquidity in case of need , along with your good suggestions
I would have invested that money in NPS Tier 2 account (highly secure for retired/ conservative investors) 50:50 allocation to Equity & Debt and this would have given him a secured return of about 10-11% per annum. With 40 k/month of SWP his initial investment of 50 lacs would have remain intact by the time he turns 70 years and the tax implication also would have been more favourable🙏
No guarantee for pension in NPS. Invest 50% conservative debt fund & equity fund.
Yes .. taaki government saare paise Adaani ke havaale kar sake 😅
@@nirmala4048nirmala ji u are right. NPS will be given to adani group.
One very important aspect of the question is missing that is "for how long will he want monthly income of Rs 40,000/-" on investment of Rs50 Lakh.For any financial calculation time duration is the most important. It is because:(1) SrCSS is having a tenure of 5 years(expandable to 3 more years).(2)PMVVY for 10 years.(3)POMIS scheme for 5 years only.(4)Only the SWP from a MF is having no fixed tenure.The tenure solely depends on the rate of withdrawal (ideally @3.5%of the corpus to last it long).
Or rate of withdrawal should depends on tenure
yes, the number of years for monthly income is not considered here.
Thanks for the information Swati ji...I want to take some advice...how would that be possible
He can creat 3 Basket. IN 1 st basket he can put the money of 1920000/- in debt fund and wirthdraw 40000/- per month for the next 4 years.in 2nd Basket he can put 1500000/- in balance advantage fund and in 3rd basket he can put 1500000/- in large cap equity fund and keep rebalancing every 4 years...
Yeda hey Kya tu. The person has a corpus of 50lakhs and u want the person to invest 1.9m. tu dega Kya baaki ka paisa. Chamaaeela
Kahan se aate hey ye log Kaun hai ye.
All your govt fund investments are good.
Balance amount can be invested in the Share "HUDCO ", a government share.On this share you can get dividend yield of around 6 %, but the appropriation of current price of 33 to more then rs 70 will be very bright.
There are many other with higher dividend
Swati ji, Namaskar, SCSS, MIS nd PMVY Schemes is very good. Lekin 11 lk MF mein invest kar ke 17000 ki SWP ( Per Month) jo ki lagbhag 18 se 19 Percent hota hai, esliye yeh very high risk investment plan. Thanks.
Sir I want to invest 10 or 15 lks for my retirement savings so where should I invest in where I will get sum good returns monthly wise. pls suggest asap.
Great to see you again madam .I am great fan of urs used yo see ur program on TV on regular basis .Always straight forward and clear cut guidline.
A Detailed and Extremely Educative Presentation As Always explained in an Extremely Erudite Manner. KUDOS...👍
मैं ऑक्टो 2023 को 58 वर्ष की उम्र में रिटायर होने जा रहा हूं। मेरे पास इन्वेस्ट करने के लिए करीब दो करोड़ रूपए होंगे। मुझे महीना 1.25 लाख चाहिए। मुझे इन्वेस्टमेंट प्लान सजेस्ट कीजिए प्लीज।
Absolutely true ur video...... since we are going market deflation period so swp is not so favourable, yes yes swp will be beneficial for after 1 yr
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 44 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income.
Thanks to FIRE movement.
Who r u. How u achieved 24 cr mam. Plz tell
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@@raghavbhatnagar551 dear Raghav, pls tell how to identify if it's Bot message n not real.
@@raghavbhatnagar551 spammer kaun hote hai..n ese message kyu bhejte hai ?
@@NN-og9en iski photo pe click Karo and jo comments dikh rah hai vo padho, yeah sirf kisi bandey ka promotion karne ke liye logon ko gumrah karte hai. Iski chat padho doosre comment ki usme likha ki vo investment advice follow karti hai koi bande ki jo US based hai.
Usme ek doosri spam commenter 'Kate burey' bhi hai. Dono ka account same day pe bana hai aise kaise ho skta hai, fake hai saley.
Yeah sab bakwas hai yeah angrejo ke spammer hai vo yahan thodi si Hindi google se translate karke and ek fake photo laga ke pagal banane ki koshish karte hai.
Thoda jagruk ho jao.
By investing in SWP your capital gets reduced. Other safe investments like SCCSS, PO MIS and PMVVY is OK.
However I am not an adviser, but in case that would be MY situation I will do following-
1- Will put 10 lakh :5 Lakh in blue chip mutual fund and 5 lakh in flexi cap for 5 years: with NO SWP, why is explained below😊
2: Remaining 30 lakh, willing to divide: 10 lakh each in: Equity Hybrid, Balance Advantage and Conservative Hybrid fund for A YEAR without SWP and after completion of a year will start SWP by 15k:15k:10k respectively: For 5 Years
3: After completion of 5 Years I will visit point# 1 (mine invested 10 lakhs) and will move whatever gained surplus corpus ABOVE 10 lakh to SWP funds as a refueling, in case required I can enhance the SWP amount in order to levelup inflection. Will keep doing the same in intervals of each 5 years/4 Years not before to that in whatever the case.
Note: I wil try to manage to wait for a year long before starting SWP for better and long lasting cash flow it's worth to wait, Where there's a will, there's a way
Will won't like to put a cent in fixed income as I see it other way around as biggest risky products fixed incomes are, as not giving even a chance to grow my capital. don't call it conservative as it is a biggest RISK one could take with their money: Taking out money with constant corpus.
Its my thoughts! What I do if got into same situation, don't follow it blindly as everyone could have different thought process.
Thanks,
You seem an engineer, perhaps
Excellent
For SWP if growth is not more than 12%than it will erode your saving also you cannot top up from point no1.
Are you having any other option
@@navalkumargurjar2711 Yes I am 😊!! I Wonder how come you get that??
@@acvsingh47 ji, From point no. 1 you can simply keep moving the gained amount to funds having SWP ON in form of lumpsum after each 5 years and going forward following likewise pattern...!!That I am referring to top up your funds where you have applied SWP
Hope I made it more clear now!
Mam you are the best of all Indian advisor ❤️❤️❤️
Hello mam great strategies with safe investment after retirment most of the peole wants safe investment options .
Madam the investor's expectation is wrong. On a corpus of Rs.50 lacs he is expecting Rs.4,80,000 it works out to 9.60% p.a. He is also not taking in to account the inflation. The inflation is minimum 6% p.a. At best what you have suggested can be improved upon by investing in RBI flexible interest bonds instead of MIS as it is expected that interest rates will increase and he can earn more interest as compared to MIS. As regards SWP from balanced advantage fund it will be difficult to maintain the corpus with High withdrawal. In addition the risk of market correction and consolidation the corpus may exhaust at a faster pace.
SWP was a great option which is not known by most of persons.
Lic jeevan akshay plan also gives returns along with if interested in equity direct buying ITC shares can give 3-4 rs dividend per share quarterly, pmvvy is attractive 👍good information
There is nothing much to experiment here. For safe 40k your suggestions are more or less perfect. Though i will prefer to put 5l each fd in banks which give almost 7.5 p.a insteadvof postboffice. But remember this may b a challenge after few years because inflation rate is just not taken care of in this pirtfolio
Please it must be kept in your mind that open your PPF account before retirement invest 150000 every year it gives you triple E. Means Exempt in deposit, Exempt interest and Exempt in widrawal.Also gives you compound interest.
Hdfc balanced fund dividend option main invest karo annually 10% intrest means 50lakhs ka 5lakhs per annum milega
Please do an updated version of this question. How would you do it today, with scheme limits and interests changed?
Thanks for sharing your knowledge. But I don’t agree with your SwP . how could you expect 17,000/- per month through SWP against 10lakhs investment ? That means you are drawing more than 20% per annum when your expected growth in MF is only 12-15 % maximum. Entire capital will vanish at no time .
SWP against 50 lakh not 10 lakh
True
@@skgupta8632 50 lakh nahin bola.. Kyunki 15 to SCSS, 15 PMVVY, 9 LAKH MIS mein laga diye to baaki bache 11 lakh
@@skgupta8632 Watch again carefully it's only left 11Lakhs
In practical approach SWP will never be 17000 it may be 6000 to 7000 for 11L
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मैं एक डारबर हू आप का विडियो रोज देखता हूं थोड़ा पैसा जमा करने को सोच रहा हूँ रिटायर के लिए मेरा उम्र 35 हैं
बहुत अच्छी जानकारी देती है
Kindly throw some light on my portfolio for 25 years investment for retirement purpose -
1)hdfc index nifty 50 direct-2000
2) sbi magnum Midcap - 1500
3) sbi small cap 1000
I have nps tier 1 - contribution combined (myself + govt. Contribution) - 19000 per month
Lic- 1.5 lakh / annum
Ppf- 50 k / annum
🙏🙏🙏
5 lac per annum investment annually... Good going bro . What is your target retirement corpus... All the best..
@@ashishlh786 thanks.. M don't have a target but want a hassle free retired life.. Thats it.. I actually needed an advice from mam that whether my portfolio is right or shud i have to change it abit..
@@chakrapani5727 your age?
Swati, you should consider all the options from conservative to high risk and make a video on all those options. You are the best in managing finance and giving advise without any greed. This is the best UA-cam channel.
Mam सबसे पहले आपको बहुत बहुत धन्यवाद क्योकि आप जिंदगी का वह सबसे जरूरी पाठ पढ़ाती है जो किसी स्कूल कॉलेज में नही पढ़ाया जाता ।
आदरणीय आपसे निवेदन है कि जानकारी दे कि मेरी उम्र 32 साल है वेतन 30000 ओर समय है 15 से 20 वर्ष अब आप इन्वेस्टमेंट का तरीका बताए अभी कोई संतान नही है भविष्य में आने वाले खर्चे ओर रिटायरमेंट के लिए सुझाव दे
Madem Nippon India retirement fund me 2000 ki sip kar rahau ye fund acha hai long term me return acha dega
50 year walo ka bhi VDO banaye please.... 50,000 per month saving hai.... Koi bachat nahi hai.
I would consider annuties as well. For guranteed income, those are necessary part of investments.
Perfect planning, i would have planned the same way
🧐🧐🧐🧐,nicee वीडियो स्वाति जी🙂🙂👌🏻👌🏻🇮🇳🇮🇳🙏🏻🙏🏻🙏🏻
My heartiest regards to Mr Harshvardhan Rungta.I have been immensely benefitted.
Would have deployed 50% in FD 30% in MF and with 20% would have shorted strangles on Nifty for weekly income.
I do not find SWP very risky but you have to restrict your withdrawal within 0.8 % of investment . Usually MF is providing you around 12%, may be more but we should restrict our thinking to 12% only.
Very good explanations with considering concepts in logical way. Thanks.
Nmaskar madam, aapne ye nhi btaya ki PMVVY mai 9250 per months milega per TDS kitna ktega vhi SCSS mai bhi 9250 milega per TDS kitna ktega ye bhi to clear kre. Please
बहुत ही अच्छा वीडियो बहुत अच्छी जानकारी..🙏
पर मैडम 11लाख से SWP से 17000/ मिलना नेगेटिविटी की तरफ ले जायेगा पूरा amount..😢😢😥😥🤔🤔
Nice Idea.. safety with good return opportunity..
If you deploy 50L, you don't get 12 to 14% from the very first month. It takes some time. Existing investors who had been in the market for 5 to 7 years can move on to SWP without much risk. This would yield the benefits of the market and can withstand any market fall. For the discussed case, the conservative approach is fine.
Swati Ji, you can invest this amount in MFs, FDs, etc but I would recommend that it should be pledged and the margin you get from pledged instruments you should keep selling weekly extreme OTM options. This way you will earn 10 K weekly ( Extremely Conservative) or 40 K Monthly and you investment still remains Yours !!
Very very safe, Absolutely clear and straightforward approach. Thanks.
Great great video 👍
The strategy is very well explained. However, I have to say that you have assumed a SWP (Systematic Withdrawal Plan) of Rs. 17000 per month from a balanced advantage fund where, you have planned an investment of Rs. 11 lacs. The annual withdrawal is Rs. 2.04 lacs which means the withdrawal rate is 18.54% per annum. This is a very high withdrawal rate. The balanced advantage funds are designed to give an average return of 9 - 12% annum. Which means that the corpus invested in the Mutual Fund has a very high risk of reducing as the withdrawal continues A withdrawal rate of around 7% is ideal in such a case, which will give about Rs. 6500/- per month and the rest of the debt investment will give Rs. 23,450/- as stated by you. Thus a total of 29950/- or approx Rs. 30,000/- per month can be done safely.
स्वातीजी आपबहुत सुन्दर हैं और जमा की जानकारी भी आपने बड़ी ही खूबसूरती से दी। धन्यवाद।
May be invest in GOI floating bond which gives a return of 7.15% /year without any investment limit in stead of MIS
Swati ji
One can also opt fr RBI floating interest rate bond carrying yield of 7.14%
Wonderfully explained Madam. It will be extremely beneficial for the people who are retiring.
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respected mam ,
मैं आप से जानना चाहता हूं कि मुझे इनके अलावा कहा investment करना चाहिए। 5+ year का एक बेटा है , माता पिता senior citizens हैं age 62-63, पैंशन 20000/month है। age 38, मेरी सैलरी 45000/month, मैंने इन जगह investment किया हुआ है।
1. PPF = 150000
2. NPS = 50000
3. APY = 5000 मिलेगा
4. School fees 8000X12= 96000
started seeing video synically and liked it very much after full video. very simple straight forward practical investment plan. well done
Conservative approach will be the best as per my understanding,equity market with my little knowledge is very volatile and will be remain volatile because nothing is consistent in economy.Another way is not to get retired at any age ,Bhealthy with my soul & body all the time.
Conservative is bogus which only gives a strength of Feeling my money is safe.Actually one cannot imagine the power of share market until into it with controlled emotion of spending.Why dnt you try Good dividend paying companies in stock.Better than FD and value also increased through bonus ,buyback etc.
safest option FD. Risky option - sell CE and PE of Nifty, buy hedges. Make sure your maximum loss is 40 - 50 thousand monthly and maximum profit would be around 80000 to 1 lac. winning accuracy is 80%.
Excellent Ma'am All your videos are helpful & no cheating et all .
Mam It is very important topic especially for senior citizens Thanks
Thank you for watching the video Dr Jain. Stay Blessed, Healthy & B Wealthy
@@BWealthy Pls make a video also in case of Non senior citizen with corpus about 20Lack and no job.Need 10-20k P.m. would be enough ,keeping in mind about protection of principal from inflation and Value too should increase.would b gr8full to You
Shriram finance fd se mai bhi le rahi hu interest monthly incom ke liye
Adhik INTEREST kamaane ke liye risk bhohot jyada lena ... ek accha chunaav nahi hota hai waise 🙂
Hello ma'am actually I invested Rs- 15 Lac in SCSS and now I am receiving 9250 PM..I want to invest this amount (9250) monthly..So please suggest me..where I can invest...right now...for next 5 years.if mutual fund..so which scheme.. please..reply...
Mam mein 60% amount ko edelweiss baf mein and remaining 40% ko icici baf mein daalunga bcoz donno funds ku styles different hain
Please bring Mr Saurabh Mukherjee once again. 🙏
I will invest in high dividend yield Public sector undertaking e.g. IOCL, Power finance Corporation, REC etc. Select 5 stocks. Your money will be safe, it will grow in line with information because stock like Indian Oil Corporation gives regular bonus shares also. Check dividend and bonus history of IOC
30,000 pension
15,0000 kaha invest karu
Age 39
Unmarried
Khana aur Ghumna goal hai
Great video 👍
You have missed out on corporate bonds and debt funds for safe investing.
Maa'm thanx for your informative videos.
Q.1: When the particular amount is invested in mutual funds, can we book a profit when the market is up or we need to wait for a long time for better profit ?
Q.2: What will be the right time for profit booking ?
Hi B Wealthy, I have recently retired and am looking for the best strategy for getting a regular income of around 2.5 lacs per month. also i expect my expenses to grow around 7% per annum due to inflation and other reasons. i am 55 now and would like to plan for next 45 years. Can you suggest a portfolio for the same.
Simple and straight ❤
Same family both spouse are senior citizen,can both of them take one senior citizen scheme in post office and one pradhanmantri vaya bandana from LIC
Hi can you prepare same video considering age group 45 to 50 yrs. This will help in early retirement
The annuity received by senior citizen after retirement from superannuation fund with lic that company made, is that annuity taxable?
Nice plan and beauty with ineleganc
Nice & b'ful presentation indeed..
Mutual funds are always subject to market risks hence not a good advice. Other interest attracts income tax @ 20% hence net income around 30000 only
Swati mam- I Think according to the inflation rate after 12 years of my retirement I may need Rs 80000 (Eighty thousand rupees) for the House expenses every month. Thank you very much for this important topic.🙏
😳
Very nice and good Suggestion, Information and Advised.