One request. Please make a video to guide those who realised little late about financial planning or couldn't plan due to unavoidable circumstances and in their 40s now.
You can start with SIP in MF keeping in mind that you have 20 yrs for retirement. First point is Identify you goal first that How much money corpus you need at Retirement then you can start SIP with 2-3 Funds like Large cap fund and Flexi cap funds. In this way you can reach your goals.
me aap ko cnbc awaaz par bahut show dekhe aap ke show bade educational hote hai aap kaa bahut bahut danyawaad apke youtube channel par jayada dino se nahi hun lakin jo samajh paya hun vo saari video aap ke show ka niskarsh hai jo cnbc par dekhta tha aapkaa danyawaad
Hello Mam, i saw your video but little confused, how to calculate the amount 7888 as monthly investment with a return of 12%. Can you just explain with the formula used. Thanks in advance
मैडम ये Video बनाने के लिए आपका बहुत-बहुत शुक्रिया. बस इतना और बता दीजिए की कौन से mutual fund मे निवेश करे. 1. index fund 2. Elss 3. Blue-chip fund या 4.debt fund
Very knowledgable video.People with low income group should plan accordingly to this.In initial few days difficult to manage all these saving and expenses but gradually you will know the value of saving and planning.
My salary was RS.1500 during 1985 and now i am retired and as of now i am getting pension only RS.25000/- and according to ur calculations amt×(1+inflation%)^n i need only RS 10000/- but i am getting more than sufficient . It means itni tension lene ki jarurat ni hai or faltu tension leke jyada saving krne ki jarurat ni hai acche se life jiyo or koi accha pension plan lo jo apko need k according apne aap time k heesab se pension dega. And never do such risky investments like mutual fund or stock n always to invest in govt. Scheme.
Great video as usual Ma'm. Only one point: from age 60 till age 80, you assumed the inflation rate will not hike and did a flat multiplication with 20. It would have been great if you'd take into consideration inflation rate there as well.. because in those 20 years, the expense will hike considering inflation rate, the expense won't remain same.
Assuming-- बच्चे निकम्मे पैदा हो गए inflation going beyond 20%... O teri ab kya karenge...😂😂😂😂 Although.. Thanks for making such a good and informative video in easy language... I am 25 and watching this video for my retirement.. And even not assure that i will live beyond 60 ... Avg life span will definitely going to decrease because of this aluminium lifestyle. Make more videos like this 😃 Thanks. Also i liked your hairstyle...😃
I am investing in SIP from past 3 years, I could say that investing in SIP is the biggest waste of resources, the overall interest I received from SIP is 3% per annum, as of today, it’s better to invest in NPS, PPF etc , at least the interest rate is fixed and backed by govt, don’t get lured into these SIP plans.
I m investing in sip from 7 years when I was 21 and till date my total return is 12% .... please note my amount is not fixed I'm increasing according to the income... Thank you and best of luck
Anand Shrivastava yes, I feel somehow people get paid to promote SIP investment methods, or just plainly follows what other investors say, I have invested in total of 11 sips and overall interest I received could be said as 3% per annum, that too this positive figure just came up recently , like few days back, if there is another dip in the market it will go back to negative returns.
nitin pandey Now the returns are all time high, and they are 5.71% per annum, this is the highest ever positive figure I have seen till date, and it’s still lower than the lowest paying FD.
I liked the video but you missed to calculate the inflation from age 60-80. And if u have for example 2.7cr at age 60,you won't need that amount all at once,would have been better if u could explain systematic withdrawal plan with that amount.
Mem ye 3000 rs kon se mutual fund mein invest kare, ye to bataya hi nahi aapne, long term ke liye best mutual fund par bhi ek video banaye mem please, aap bahut acha samjhati h,
Calculation matters a lot when it comes to retirement . Retirement is a period to enjoy all your life's hard work and savings, and the key to such enjoyment is investing now. Now your vibrant you invest money in platforms that will yield you good profit.
मुझे आपकी vidyos अच्छी लगी है thank you so much , मेरे मन में कुछ सवाल आ रहे हैं , यदि मै सारे पैसे निकाल कर म्यूच्यूअल फण्ड मे लगा देंगे ,( 1)यदि मार्केट उस वक्त बहुत ही खराब स्तिथि से गुजर रहा हो तो क्या तब भी मुझे वो रकम मिल जाएगा? ( 2 ) PMC बैंक , YES BANK के साथ अभी जो हाल हुआ यदि म्युचुअल फंड कंपनी के साथ होता है तो मेरा क्या होगा ? (3) माना सब कुछ ठीक रहा तो उस रकम तक पहुचने के लिए आपके कलकुलेटर के अनुसार मुझे ब्याज का दर क्या मिल रहा है? (4) म्युचुअल फंड तो मार्केट में हजारों है क्या आप मुझे कोई ऐसे 5/10 म्युचुअल फंड का नाम बता सकते हैं जो पिछले 30 वर्षो में इतना अच्छा रिटर्न दिया हो ?
This is the best way for guiding us to manage our financial goals & how we can achieve those. However there is a difference between SAVINGS & INVESTMENTS. So I think that we should emphasize more on Investments rather than Savings (Short duration goals). Am I Right? That's why I'm now save money through many instruments like PPF & NPS for Investments like Retirement Plans. Is it OK? Please tell
It's based on the past returns generally Mutual Funds have shown that in the long term the average return is 12%. And there is nothing called assured return or risk free return even they are subjected to default and reinvestment risk it's just the government has the power to print money so we assume they will not default.
Very well explained. I would say that the monthly expenses shouldn't be reduced from 24k to 20k. Cos the medical expenses replaces the expenses that go away by retirement. And inflation on medical expenses is very high.
Investment ka chart bataiye ki Kaise 3000 me se 2500 MF n 500 ppf nps me invest karke every year 10% investment badhake retirement corpus reach kar sakte hai ye calculation nhi samajh aaya monthly expenses 20k hai age 34
Income badani padegi bhai... 10,000 Me kya hota hai... Mehnat se jyada dimak se kaam karo paisa aaega.. Log chutiya logo se bhari hai.. Chutiya bnao or paisa kamo... Fulki vala he 15,000 kama leta hai.. Apna comfort zone chodo or khud ka kaam shuru karo
Hello ma'am very informative video ... kindly let me know I'm inviting in sip 20000 monthly for next 10 years how much total amount I can expect in future...
Sir is plan m 2500.00/- per month se start kr skte h. Isme Tax Rebate hota h and maturity pr bhi Tax free hoga. Dear Friends, Y plan kisi 3 month k baby se 55 year old persons tk apply kr skte h. Example : Sir apke liya pension wwla plan h mere pass. Akpi age abhi 30 year h abhi aaj plan lete h to 40. Year tk mtlb 10 year tk supposed aap 1 lakh Rs submit krte ho uske bad 5 year waiting period hota h means ab apki age 45 Year ho gyi h phir aapko 46 year se lekr 99 year tk 1lakh 15 thousand rupees milega per Year mthlb 9.5 thousand per month or sath me 99 year tk 14 Lakh k insurance Bhi rhega after 99 year Bhi aap jivit rhte ho to apko 14 Lakh Rs milenge. Thanks and Regards Rahul Shukla Unit Manager ICICI Prudential 9999063120
@@rahulshukla1322 isse accha to 1lakh hum kisi govt. Scheme like ppf/NSC le lein or 15 saal me corpus he 15 lakh ho jayega aur usko govt. Ki MIS scheme me daal k 10 hajar se upar le sakte hain or upar se corpus amount bi hmare pass safe rhega uska bi use kr sakte hain in case of emergency and govt. Scheme me security or reliable bi rhta hai.
@@rahulshukla1322 Does company give that guarantee on paper .It is most unlikely that any financial institute can give you almost 23% returns on 5 lakh and that to till 99 .If so then why you people unable to make business /why people are not responding your scheme ?
@@proudindian1965 Sir Bond paper pr likh kr hi diya jayega Baki to Best h y nhi y to customer hi decision Leta h n. Agr use isse achha return khi or mil rha h to wo doosre k pass jayega. Mere pass Jo h Maine wo btaya.
This formula is nothing but of Compounding if u guys can remember from school. The inflation rates gets compounded on the value of currency over a period of time. Thank u Swati❤️ i love ur videos
Ma'am, u look much much better than almost all the Bollywood actresses...plus u have the Brains also...added bonus.. Thank you for your income planning tips...keep up the good job!!!
Compound interest formula hai...Future value = Present value * (1+ r) ^n... Yehan per Present value = 20000 Rs r= 6% n = 30 years Future value = 20000 * (1+ 6%) ^30 = 20000 * (1.06) ^30 = 1,14,869 Rs I hope you understood the formula...
Hi mam, you really explained so nicely that I got the confidence to calculate everything properly about my retirement. The only thing I didn't understand is how to calculate that 7888/- part in the future. Please help us understand mam.
Bohot sahi and simple calculations the nkn financial logo ko samjhne k liye But I noticed that between 60-80yrs you have not considered inflation. Usko bhi toh dhyan rakhna hoga na?
Namashkar Madamji, Aap bahot achha initiative le rahi hai logo ko educate karne ka. Ek cheez notice kari vo share karna chahunga. NPS mein returns fix nahi hote. 20 saal ke figure mein bhi every year ka inflation jodna rah gaya hai shayad. Agar meri samajne mein bhul hai to zarur sudhar kijiyega 👍
This is very useful video and it guide us for smart investment. Please tell us for retirement planning at 48 year of age considering retirement age 60 years and present salary 150000.
Sagar sir, we should motivate people who is contributing their knowledge to other and dont point out such silly points. She is tring to explain the importance of planning small miss can be accepted.
Rohit Virdi Rohit sir... I am not tring (😅) to do anything. You continue with your support. This respected madam doing very good job and have taken my comment sportingly....
Madam very good repayment plan I am very much thankful to you.......I have a home loan of 150000 (fifteen lakh) my EMI is 13000...and tenure is 17yrs....I increased my EMI upto 15000 and I saved so much and the tenure also reduced..... I am very vrey thankful to you
Very informative video mam..mam can you plz advise if sbi platina assure is good plan or not they are giving 100 percent guaranteed return ..plz advise if we can take that
swati ji namste aapne kafi acha smjaya dhanywad, meri umar 45 saal hai main har mahine kitna invest karu aur equity fund main ki muje 15 saal baad 5 carore mil jaaye, kirpya muje guide karein, dhnyawad
Nps is market based and if my age is 30,and I opt for active choice in teir 1 of nps ,and allot 75 percentage in equity,we still can achieve 10-12 percentage return in it .
Swati mam ek to aap bahut sunder Hain dusri aapki bhansha shaili bhi bahut achchhi hai. Aur aap ne future ko hamare samne present Kar diya Es ke liye AApko Thank you very much.
Hi mam.. School time yaad aagaya puri Video mei aap ke bouncing baal jhumke aur muskurahat hi dekhta reh gaya video kab khatam hui pata hi nahin chala. Ek baat samajh aa gai ki pension planing ki jarurat nahin hai bas aap ka ye channel subscribe kar leta hoon. 😊
O Teri !! Itna to kabhi socha hi nhi tha 😊😊 Ab sochna padega Me to 22000 monthly kamaai me hi khud ko millionaire samajh rha tha Par yahan to Billions ki zarurat padegi O Teri ! Thanks a Ton 👍 Most Valuable Video on UA-cam
Hi mam, you really explained so nicely that I got the confidence to calculate everything properly about my retirement. The only thing I didn't understand is how to calculate that 7888/- part in the future. Please help us understand mam. 😀
Madam 60 yrs tak retirement is too long. I want to retire at 50 to 55. Because u know how Pvt company are. But any ways u explain very nice. I saw u r sbi Platina and hdfc sanchay video. U r good teacher.👍
Sir is plan m 2500.00/- per month se start kr skte h. Isme Tax Rebate hota h and maturity pr bhi Tax free hoga. Dear Friends, Y plan kisi 3 month k baby se 55 year old persons tk apply kr skte h. Example : Sir apke liya pension wwla plan h mere pass. Akpi age abhi 30 year h abhi aaj plan lete h to 40. Year tk mtlb 10 year tk supposed aap 1 lakh Rs submit krte ho uske bad 5 year waiting period hota h means ab apki age 45 Year ho gyi h phir aapko 46 year se lekr 99 year tk 1lakh 15 thousand rupees milega per Year mthlb 9.5 thousand per month or sath me 99 year tk 14 Lakh k insurance Bhi rhega after 99 year Bhi aap jivit rhte ho to apko 14 Lakh Rs milenge. Thanks and Regards Rahul Shukla Unit Manager ICICI Prudential 9999063120
Mam hum tak aisi informativ vidios banane ke liye Dhanyavad but is vidio mai aapne kai bade future expenses ko ignore kar diya hai..e.g..Children education,children marriage,House property etc...So plz make a vidio by including these experiences and also investment ways for these experiences...🙏
ma'am i am 29 now... perfect suggestion at the perfect time... i am on maternity gap now... From 31 yr age i ll start it...in ssy i ll invest 3000 a month and the rest in sip n lumpsum... the thing is i have had got two endowment policies worth 900000 each... they will give me Rs.5000 a month only... what to do with them? To pay for them i have to bear 1400 now
Mam , after retirement everyday is a Sunday..hence there will be more expenses , also medical expenses should be considered. Also to add , the interest rates in any savings like fd are bound to plummet to 1% in the next 30 years . Also life expectancy has increased , therefore 80 years life span seems nebulous. Even then , your effort is good as you are educating large chunks of people. Good going !
Hello mam . AP hamesha acche see batati hai . Mam please mujhe bataye ki mf me growth me Paisa rakhana chaiye ya baki me . Rakam lakh me ho to konse me rakhana chaiye? Ppf safe Option see mf me jhyada return ata hai ya Kam aata hai
![[UA] NAVI vs MOUZ | BO5 | IEM Rio 2024](http://i.ytimg.com/vi/CMBYk0cbGoA/mqdefault.jpg)
One request. Please make a video to guide those who realised little late about financial planning or couldn't plan due to unavoidable circumstances and in their 40s now.
Wow... I asked the same question
You can start with SIP in MF keeping in mind that you have 20 yrs for retirement.
First point is Identify you goal first that How much money corpus you need at Retirement then you can start SIP with 2-3 Funds like Large cap fund and Flexi cap funds. In this way you can reach your goals.
बहुत बहुत धन्यवाद मैडम जी। मैं अभी 29 वर्ष का हूं । इस वीडियो से काफी सहायता मिली मुझे समझने में कि बचत करना कितना जरूरी है। 🙏
बहुत ही धन्यवाद स्वाति जी फ़्री में इतने अच्छे से आपने हमारी फ़िनेसियल प्लानिंग कर दी आपने बहुत बहुत धन्यवाद🙏🏻🙏🏻🙏🏻👌🏻👌🏻👌🏻
नीलेश जी, एक बार फिर शुक्रिया वीडियो देखने के लिए। Stay Blessed, B Wealthy.
Amazing. You explained it in such simple terms that if someone who is not into all this will start calculating and start investing.
My age fifty years my income permont 40000
thank you Swati, for opening our eyes with this known but always ignored fact. Do you provide consultation over call too?
बहुत-बहुत धन्यवाद मैडम आपके वीडियो देखने से एक विश्वास जागृत होता है और भविष्य के लिए निवेश के लिए सोचते हैं और सफलता भी मिलती है.।
The prettiest youtuber from India...Swati ji ❤💓❤
me aap ko cnbc awaaz par bahut show dekhe aap ke show bade educational hote hai aap kaa bahut bahut danyawaad
apke youtube channel par jayada dino se nahi hun lakin jo samajh paya hun vo saari video aap ke show ka niskarsh hai jo cnbc par dekhta tha
aapkaa danyawaad
Hello Mam, i saw your video but little confused, how to calculate the amount 7888 as monthly investment with a return of 12%. Can you just explain with the formula used.
Thanks in advance
Hello Maam...Can you please explain how to calculate 7888..?
You can use moneycontrol SIP Calculator to get the Final Amount.
मैडम ये Video बनाने के लिए आपका बहुत-बहुत शुक्रिया. बस इतना और बता दीजिए की कौन से mutual fund मे निवेश करे. 1. index fund 2. Elss 3. Blue-chip fund या 4.debt fund
For a moment, i thought i was sitting in front of my school teacher.
She used explain great🙂
But how to choose mutual funds
Very knowledgable video.People with low income group should plan accordingly to this.In initial few days difficult to manage all these saving and expenses but gradually you will know the value of saving and planning.
My salary was RS.1500 during 1985 and now i am retired and as of now i am getting pension only RS.25000/- and according to ur calculations amt×(1+inflation%)^n
i need only RS 10000/- but i am getting more than sufficient . It means itni tension lene ki jarurat ni hai or faltu tension leke jyada saving krne ki jarurat ni hai acche se life jiyo or koi accha pension plan lo jo apko need k according apne aap time k heesab se pension dega.
And never do such risky investments like mutual fund or stock n always to invest in govt. Scheme.
Sir
What kind of govt scheme u have
Also which are best please let me know
@@amazingbeautytech475 actually at that time we have OPS pension system provided by state government. I.e 50% of last salary drawn.
Great video as usual Ma'm. Only one point: from age 60 till age 80, you assumed the inflation rate will not hike and did a flat multiplication with 20. It would have been great if you'd take into consideration inflation rate there as well.. because in those 20 years, the expense will hike considering inflation rate, the expense won't remain same.
Retirement corpus could also earn a conservative interest of 6%. At time of retirement complete corpus need not converted in to cash
The way you explained everything quite good and i love the way you react on things too cute😍
छोटे-छोटे प्रयास ही इंसान को अपने लक्ष्य की ओर ले जाते हैं बहुत ही गजब तरीके से समझाया है मैम
Assuming-- बच्चे निकम्मे पैदा हो गए inflation going beyond 20%...
O teri ab kya karenge...😂😂😂😂
Although..
Thanks for making such a good and informative video in easy language...
I am 25 and watching this video for my retirement..
And even not assure that i will live beyond 60 ...
Avg life span will definitely going to decrease because of this aluminium lifestyle.
Make more videos like this 😃
Thanks.
Also i liked your hairstyle...😃
Aluminum lifestyle kya hai
@@manoharsonawane1770 using aluminium utensils for cooking.
Its food is slow poison
O TERRI,
App to bilkul meri choti sister ki tarah bolti ho. Ye aapne bhut achhe se samjaya iskeliye aapka bhut bhut thanks.🙏🙏🙏🙏🙏
I am investing in SIP from past 3 years, I could say that investing in SIP is the biggest waste of resources, the overall interest I received from SIP is 3% per annum, as of today, it’s better to invest in NPS, PPF etc , at least the interest rate is fixed and backed by govt, don’t get lured into these SIP plans.
Correct. Same case with me. I am getting return of 1% on mf for last 3 years. Don't know how they say it will give 15% per annum.
I m investing in sip from 7 years when I was 21 and till date my total return is 12% .... please note my amount is not fixed I'm increasing according to the income...
Thank you and best of luck
Anand Shrivastava yes, I feel somehow people get paid to promote SIP investment methods, or just plainly follows what other investors say, I have invested in total of 11 sips and overall interest I received could be said as 3% per annum, that too this positive figure just came up recently , like few days back, if there is another dip in the market it will go back to negative returns.
Madhu Sai what was your return in FEB pre coved
nitin pandey Now the returns are all time high, and they are 5.71% per annum, this is the highest ever positive figure I have seen till date, and it’s still lower than the lowest paying FD.
Madam app ke samjhane ka tarika lajabab hi , really ek dum clear ho jata hi ,thanks Madam
I liked the video but you missed to calculate the inflation from age 60-80.
And if u have for example 2.7cr at age 60,you won't need that amount all at once,would have been better if u could explain systematic withdrawal plan with that amount.
Mem ye 3000 rs kon se mutual fund mein invest kare, ye to bataya hi nahi aapne, long term ke liye best mutual fund par bhi ek video banaye mem please, aap bahut acha samjhati h,
Madam, good advise for future planning on retirement
so nicely explained i am a fan of u, looking too beautiful.
स्वाति जी नमस्कार। आपका एक्सप्लेशन करने का तरीका बहुत अच्छा लगा उसके लिए आप धन्यवाद के पात्र हैं। अब आप यह बताएं कि म्यूचुअल फंड कैसे पसंद करें?
स्वाति जी आपने हमें भारत देश में मंदी मैं भी जीना सिखा दिया शुक्रिया आपका
शुक्रिया वीडियो देखने के लिए नरेश जी। Stay Blessed, B Wealthy.
Ji. Can you make a video for late starters (i.e. financial saving ideas for 35+ old). Thank you
Hi
Medical expenses after retirement are not considered here ?
Health Insurance would cover that, check out health insurance
Thank you mam bahut aache se samjhaya. Agar 50 ki umr me koi durghatna ya koi bimari ho jay to.. kiya hai.. hamare pass?
Calculation matters a lot when it comes to retirement . Retirement is a period to enjoy all your life's hard work and savings, and the key to such enjoyment is investing now. Now your vibrant you invest money in platforms that will yield you good profit.
I don't regret investing in forex . I had my doubt about it earlier but when I took a bold step and invested in it I realised how profitable it is.
How do i get this Mr Haward . I've heard a lot good news about him and I'm willing to invest heavily in it
Forex is a nice platform just like bitcoin and with Mr Haward your chances of losing are 0.02 % which is a risk anyone can take
How long does it take to make profit.
@@whiteboardcrypto6247 just a few days
मुझे आपकी vidyos अच्छी लगी है thank you so much , मेरे मन में कुछ सवाल आ रहे हैं , यदि मै सारे पैसे निकाल कर म्यूच्यूअल फण्ड मे लगा देंगे ,( 1)यदि मार्केट उस वक्त बहुत ही खराब स्तिथि से गुजर रहा हो तो क्या तब भी मुझे वो रकम मिल जाएगा? ( 2 ) PMC बैंक , YES BANK के साथ अभी जो हाल हुआ यदि म्युचुअल फंड कंपनी के साथ होता है तो मेरा क्या होगा ? (3) माना सब कुछ ठीक रहा तो उस रकम तक पहुचने के लिए आपके कलकुलेटर के अनुसार मुझे ब्याज का दर क्या मिल रहा है? (4) म्युचुअल फंड तो मार्केट में हजारों है क्या आप मुझे कोई ऐसे 5/10 म्युचुअल फंड का नाम बता सकते हैं जो पिछले 30 वर्षो में इतना अच्छा रिटर्न दिया हो ?
Mam ur really brilliant and a good person very informative information
Thank you
बहुत शुक्रिया जमशेद जी। Stay Blessed, B Wealthy
This is the best way for guiding us to manage our financial goals & how we can achieve those. However there is a difference between SAVINGS & INVESTMENTS. So I think that we should emphasize more on Investments rather than Savings (Short duration goals). Am I Right? That's why I'm now save money through many instruments like PPF & NPS for Investments like Retirement Plans. Is it OK? Please tell
Mutual funds are subject to market risk then how one can assume the return of 12%. If it is so, then why its not giving fixed/ assured return of 12%.
It's based on the past returns generally Mutual Funds have shown that in the long term the average return is 12%.
And there is nothing called assured return or risk free return even they are subjected to default and reinvestment risk it's just the government has the power to print money so we assume they will not default.
When prices go low, you get more shares for same amount of money. Hence fluctuations are good. Put same amount every pay period.
Very well explained. I would say that the monthly expenses shouldn't be reduced from 24k to 20k. Cos the medical expenses replaces the expenses that go away by retirement. And inflation on medical expenses is very high.
Thanks di 🙂 , I love how you explain everything with a beautiful smile on your face thanks for your hard work for us. Hare Krishna 🙏
Thanks Priyanka Dey Jee, for watching the video. Stay Blessed, B Wealthy
Accha hai
Aapne to meri aankhe khol di Ma'am..
Bilkul bhi socha nahi tha iss bare me..
So,
Thank you very very much... Ma'am
Very much helpful video...
Mam plz make an episode for retirement planning for extreme low income ppl,for example ppl with monthly income between 10k to 20 k.
Atal pension Yojana
Study nps its good option for retirement.
Hi Mam..
Your Calculation is too Good..
Thank You..I have never calculate inflation too much.. seriously..
B Wealthy and Healthy...
Thank you Hetal Jee, for watching the video and your kind comment. Stay Blessed, B Wealthy
Great work mam
Tell the detail basic analysis of share market 🙏🙏🙏🙏
Investment ka chart bataiye ki Kaise 3000 me se 2500 MF n 500 ppf nps me invest karke every year 10% investment badhake retirement corpus reach kar sakte hai ye calculation nhi samajh aaya monthly expenses 20k hai age 34
Mam jiska Salary Ten Thousand hai; who kaisse 1 Croad hoga; Age 40 years hai;
Uska kbhi bhi nahi hoga..
@@varunshinde6884 😂
Income badani padegi bhai...
10,000
Me kya hota hai...
Mehnat se jyada dimak se kaam karo paisa aaega..
Log chutiya logo se bhari hai..
Chutiya bnao or paisa kamo...
Fulki vala he 15,000 kama leta hai..
Apna comfort zone chodo or khud ka kaam shuru karo
only one way you have to start investing in mutual fund
Risk bahut lena padega ..
Small cap me 20 years ke liye continue invest karo..
Coz age is 40
Very nice video, very informative and well presented. Keep up the good work. #EduPathshala.
Fabulous explanation ma'am... keep smiling
Nikah halala
Hello ma'am very informative video ... kindly let me know I'm inviting in sip 20000 monthly for next 10 years how much total amount I can expect in future...
Ma'am,
Correction: NPS doesn't have guaranteed Return, It's a market link like Mutual Fund
Sir is plan m 2500.00/- per month se start kr skte h. Isme Tax Rebate hota h and maturity pr bhi Tax free hoga.
Dear Friends,
Y plan kisi 3 month k baby se 55 year old persons tk apply kr skte h.
Example :
Sir apke liya pension wwla plan h mere pass. Akpi age abhi 30 year h abhi aaj plan lete h to 40. Year tk mtlb 10 year tk supposed aap 1 lakh Rs submit krte ho uske bad 5 year waiting period hota h means ab apki age 45 Year ho gyi h phir aapko 46 year se lekr 99 year tk 1lakh 15 thousand rupees milega per Year mthlb 9.5 thousand per month or sath me 99 year tk 14 Lakh k insurance Bhi rhega after 99 year Bhi aap jivit rhte ho to apko 14 Lakh Rs milenge.
Thanks and Regards
Rahul Shukla
Unit Manager
ICICI Prudential 9999063120
@@rahulshukla1322 isse accha to 1lakh hum kisi govt. Scheme like ppf/NSC le lein or 15 saal me corpus he 15 lakh ho jayega aur usko govt. Ki MIS scheme me daal k 10 hajar se upar le sakte hain or upar se corpus amount bi hmare pass safe rhega uska bi use kr sakte hain in case of emergency and govt. Scheme me security or reliable bi rhta hai.
@@rahulshukla1322
Does company give that guarantee on paper .It is most unlikely that any financial institute can give you almost 23% returns on 5 lakh and that to till 99 .If so then why you people unable to make business /why people are not responding your scheme ?
@@proudindian1965 Sir Bond paper pr likh kr hi diya jayega Baki to Best h y nhi y to customer hi decision Leta h n. Agr use isse achha return khi or mil rha h to wo doosre k pass jayega. Mere pass Jo h Maine wo btaya.
@@smartyp3432 PPF better than any other share market
बहुत ही सुन्दर ढंग से समझाया। धन्यवाद।
"Ohh teri & puchke puchke kharche" 😁😁 but really well explained. I have subscribed n will follow all your sessions for my better future.👍👍 Thanks.
O teri part was awesome 😂
I enjoyed that
Madam plz uide kijiye me ne 40yr me retirment li hai abhi 43 age hai 20 lakh hai beti 4 sal ki hai , pension 15000/-
@@sonulokhandesharingexperie8353 g
This formula is nothing but of Compounding if u guys can remember from school.
The inflation rates gets compounded on the value of currency over a period of time.
Thank u Swati❤️ i love ur videos
52 years ke liye how much investment per months
Bhaskar Jee, that entirely depends on your current monthly expenses. Stay Blessed, B Wealthy
Ma'am, u look much much better than almost all the Bollywood actresses...plus u have the Brains also...added bonus..
Thank you for your income planning tips...keep up the good job!!!
Hello mam, you r looking like lara dutta. I wish that we will see you in Bollywood very soon
Thanks mam,, Bohot Acha samjhaya aap
मैडम जी आपका अभी माईनड मे नही बेठा।
20000/×(1+6%)30
114869/ ये अमाउंट केसे हुई ।
tere mind mein tere marne ke baad baithega......hahahaaaaaaa
Compound interest formula hai...Future value = Present value * (1+ r) ^n...
Yehan per
Present value = 20000 Rs
r= 6%
n = 30 years
Future value = 20000 * (1+ 6%) ^30
= 20000 * (1.06) ^30
= 1,14,869 Rs
I hope you understood the formula...
Hi mam, you really explained so nicely that I got the confidence to calculate everything properly about my retirement. The only thing I didn't understand is how to calculate that 7888/- part in the future. Please help us understand mam.
U explain by only guessing, but SIP not given this much of ammount.
Mutual fund like a perfume
Bohot sahi and simple calculations the nkn financial logo ko samjhne k liye
But I noticed that between 60-80yrs you have not considered inflation. Usko bhi toh dhyan rakhna hoga na?
Nice catch. Zaroor that why keep some investes after 60 too.
Ohhh teri.... Mast laga mere ko....goood job madam
Nice idea. Mem can you suggest which sip will Best for high return and safe in long time
Age 36
Salary 42000
How to plan my investment please help mam🙏
Balkrishna pinge Sir ap kya krte ho mujhe koi job btado acchi si jisme sahi income ho please bro wtsp me 8882276908
Balkrishna Pinge call me for investment
7070789696
simplysham1717@gmail.com
Set a goal first. How much corpus you need. Then investment can be done. Its like making a house first naksha hona chaiye tabhi bane ga.
I like your video very much. It is very useful and helpful. Please suggest how to invest in SIP. How we can select mutual funds
Madam ji
Ek wish puri kar do
Balance sheet kasa padta hai uske video bana do
Please😫🙏🙏💓
ज़रूर। Stay Blessed, B Wealthy.
Namashkar Madamji,
Aap bahot achha initiative le rahi hai logo ko educate karne ka. Ek cheez notice kari vo share karna chahunga. NPS mein returns fix nahi hote. 20 saal ke figure mein bhi every year ka inflation jodna rah gaya hai shayad. Agar meri samajne mein bhul hai to zarur sudhar kijiyega 👍
Ma'am aaj se mai aapka chela
But, i still have certain doubts to discuss to
Very nice, thank u
This is very useful video and it guide us for smart investment. Please tell us for retirement planning at 48 year of age considering retirement age 60 years and present salary 150000.
Mam no need to tell that your maths is weak... we came to know when you looked at the notebook to find 50% of Ra.30,000 😀
Sagar sir, we should motivate people who is contributing their knowledge to other and dont point out such silly points. She is tring to explain the importance of planning small miss can be accepted.
Rohit Virdi Rohit sir... I am not tring (😅) to do anything. You continue with your support. This respected madam doing very good job and have taken my comment sportingly....
@@Jock3R87 great keep up your good work 😀 of mentioning any miss in sentence 👍
Archit Shukla Sir you will get official notice for using bad words on social platform as I have already reported your abusing language. All the best
@@Jock3R87 maybe he wants a video on FU money...google it bruh
Madam very good repayment plan I am very much thankful to you.......I have a home loan of 150000 (fifteen lakh) my EMI is 13000...and tenure is 17yrs....I increased my EMI upto 15000 and I saved so much and the tenure also reduced..... I am very vrey thankful to you
PPF, NPS मैं तो कुछ मिल ही जायेगा MF तो भिखारी भी बना सकता है ।।
हाँ मैं भी यही कह रहा हूँ की जबतक समय होता है ज्यादा तबतक तो ठीक चलता है पर जैसे ही पूरा होने वाला होता है 32% से सीधा 2% पर, MF का कुछ पता नहीं|
Here you may invest in MF for long term not for Short-term.
@@wardbulandshahr6325 3 ya 4 pehle hi aap ko debt me switch kar lena chahiye.
भविष्य के बारेमे कैसे प्लॕनिंग करे,यह आपका बतानेका तरीका अच्छा लगा.
I am 30 and my salary is 31K. UA-cam recommended this video. You naughty naughty UA-cam😂
Wo naughty nhi h tu 4 biwi 40 bachchhe karega to wo kya kare. She is very intelligent.
@@jaihindjaibharat4956 tujhe jalan ho rahi hai kya. 😂 😂
Very informative video mam..mam can you plz advise if sbi platina assure is good plan or not they are giving 100 percent guaranteed return ..plz advise if we can take that
Oh terri😂
😊
50 year age walo ke liye retaierment planning par video banaye...aane wale 10saal bad kya gherkharch rahega
Pahle 60saal bachoge kya2020😂😁😀😃
Very nice video, Madam jee 25 me retirement walo ko kitna investment krna hoga Mutual fund me.
swati ji namste aapne kafi acha smjaya dhanywad,
meri umar 45 saal hai main har mahine kitna invest karu aur equity fund main ki muje 15 saal baad 5 carore mil jaaye, kirpya muje guide karein, dhnyawad
Very impressive explanation... but not included risk factor of Life I mean insurance amount...
Nps is market based and if my age is 30,and I opt for active choice in teir 1 of nps ,and allot 75 percentage in equity,we still can achieve 10-12 percentage return in it .
Swati mam ek to aap bahut sunder Hain dusri aapki bhansha shaili bhi bahut achchhi hai.
Aur aap ne future ko hamare samne present Kar diya
Es ke liye AApko
Thank you very much.
Wishing good health for you
It seems you suggest ppf and mutual fund than life insurance policies.
Now I am also turning towards funds
Thank you
Hi mam.. School time yaad aagaya puri Video mei aap ke bouncing baal jhumke aur muskurahat hi dekhta reh gaya video kab khatam hui pata hi nahin chala. Ek baat samajh aa gai ki pension planing ki jarurat nahin hai bas aap ka ye channel subscribe kar leta hoon. 😊
O Teri !!
Itna to kabhi socha hi nhi tha 😊😊
Ab sochna padega
Me to 22000 monthly kamaai me hi khud ko millionaire samajh rha tha
Par yahan to Billions ki zarurat padegi
O Teri !
Thanks a Ton 👍
Most Valuable Video on UA-cam
Hi mam, you really explained so nicely that I got the confidence to calculate everything properly about my retirement. The only thing I didn't understand is how to calculate that 7888/- part in the future. Please help us understand mam. 😀
आप के सभी विडियो उत्तम जानकारी प्रदाता हैं और प्रेरणादायक है ।
Madam 60 yrs tak retirement is too long. I want to retire at 50 to 55. Because u know how Pvt company are. But any ways u explain very nice. I saw u r sbi Platina and hdfc sanchay video. U r good teacher.👍
Aapne bhut ache se samjaya lekin MF me nives hame pata hi nhi h kya kre plesse btaye🙏🙏🙏
Thank you. Bahut achchha laga , aapne mera aankh khol diya
Wah ji wah behad santi se aur achchhe se samjaya... Dhanyawad...💐
Bahut sunder presentation
Thanku swatiji
Thank you so much madam.. app jis tarhe se explain karte hain bhout hee knowledgeable aur sochne wali baat hai.. bhout bhout dhanyvaad appko 🙏🙏
Sir is plan m 2500.00/- per month se start kr skte h. Isme Tax Rebate hota h and maturity pr bhi Tax free hoga.
Dear Friends,
Y plan kisi 3 month k baby se 55 year old persons tk apply kr skte h.
Example :
Sir apke liya pension wwla plan h mere pass. Akpi age abhi 30 year h abhi aaj plan lete h to 40. Year tk mtlb 10 year tk supposed aap 1 lakh Rs submit krte ho uske bad 5 year waiting period hota h means ab apki age 45 Year ho gyi h phir aapko 46 year se lekr 99 year tk 1lakh 15 thousand rupees milega per Year mthlb 9.5 thousand per month or sath me 99 year tk 14 Lakh k insurance Bhi rhega after 99 year Bhi aap jivit rhte ho to apko 14 Lakh Rs milenge.
Thanks and Regards
Rahul Shukla
Unit Manager
ICICI Prudential 9999063120
Mam I am a big fan of your calculation,Keep uploading ,Thx mam
Wonderfully explained, mam. I am not sure if you considered the inflation during post retirement.
Great Sister super mind bowling God bless you 🙏
What About Life insurance Security backup Investment
Aapne bahut acha btaya but ye bataiye ki 3000 ki sip konse mutual fund me lgay suggest kre large small ya multical me konsa
Life mai pehli baar koi video bina cut k pura dekha h,very smart 😊
Thank you so much Shalini Chauhan jee. Stay Blessed, B Wealthy
Main apka sabse badda fan hu Swati Ji q ki ap k karan muje profit hone laga hai q ki main apke video regular dekhta hu
Mam hum tak aisi informativ vidios banane ke liye Dhanyavad but is vidio mai aapne kai bade future expenses ko ignore kar diya hai..e.g..Children education,children marriage,House property etc...So plz make a vidio by including these experiences and also investment ways for these experiences...🙏
ma'am i am 29 now... perfect suggestion at the perfect time... i am on maternity gap now... From 31 yr age i ll start it...in ssy i ll invest 3000 a month and the rest in sip n lumpsum... the thing is i have had got two endowment policies worth 900000 each... they will give me Rs.5000 a month only... what to do with them? To pay for them i have to bear 1400 now
Mam , after retirement everyday is a Sunday..hence there will be more expenses , also medical expenses should be considered. Also to add , the interest rates in any savings like fd are bound to plummet to 1% in the next 30 years . Also life expectancy has increased , therefore 80 years life span seems nebulous. Even then , your effort is good as you are educating large chunks of people. Good going !
Hello mam . AP hamesha acche see batati hai . Mam please mujhe bataye ki mf me growth me Paisa rakhana chaiye ya baki me . Rakam lakh me ho to konse me rakhana chaiye?
Ppf safe Option see mf me jhyada return ata hai ya Kam aata hai
Very well explained..plz explain how did you calculated the monthly amount 7888?