Mam kuch video army person k liye banaiye qki unki service 15-17 Years hoti h unke liye bahut problem hoti h investment ko lekar qki isi dauraan ghar bhi Banana hota h to kaise manage kre.
Jo logo ke Paas koi PF bhi nhi Kyu ki koi government Job jesa kuchh nhi..aur 56yrs hai. Self employed hai aur irregular income hai aur abhi 10yrs mean 66yrs me retirement lena Padega apne kaam se aise hum logo k liye kuchh guidance dijiye please
As ROI is decreasing in bank & post office & expenses are increasing the one &only solution as u said Learn new skills & try to monitize them. Thank you mam
Mam ye vdo mere deemag open kar diye hain mai abi thoda sa paisa har mahine nivesh kar raha hun aur meri age 50 ke aas pass hai aur mai monthly 7 k nivesh kar raha hun, thank madam ji jo aap itne achhe se iss vdo me samjhaya aur jindagi se ru baru karwaya
Nice video it is a reality check -- request u to came a video on suggestions on what are gud jobs to make money after 60 yrs as I wont see the present generation taking care of old parents like we did for our parents -- PL suggest or make a video - thanks and regards
SWATI MADAM 1 UR VOICE IS SO CUTE... AND FINANCIAL KNOWLEDGE R MINDBLOWING.... 2 SPEECH IS WONDERFUL...MOTIVATIONAL..SIGNIFICANT VLOG 3 MADAM INDIAN SOLDIERS KEEP ANOTHER VLOG. THANK YOU...
I'm very pleased and happy to see it. This episode is too important for financial as well as humanitarian. More over a lot of thanks for fulfilling our request. Have a nice and peaceful life to u by grace of god.
Which mutual fund better ? I mean which money saving is better .?? Direct go through bank and invest money our by using mutal fund app ?? Plz suggest me ??
Madam EPF calculation Should not be 40 lacs , If he gets Rs 50000/- salary in a month at the age of 50 .Because EPF is calculated on basic Salary .It will hardly be within Rs 17,00,000/- and he may get gratuity of Rs 5 lacs . But yes his monthly pension will be Rs 2700 approx per month from EPF as pension. Can you advice if any one can able to save of Rs 15000 Pm at the age of 52 where he should invest ? Up to age of 60 with a goal of reaching.28 to 30 lacs ? Is it possible ?
Valuable suggestions Swati ji. You videos are very informative and simple to understand. Doing good and meaningful service.Thank you. God bless. Om Shanti.
I really appreciate and respect your work. Access to financial education is very limited in our country , this is important if we want to rise as a community. I really appreciate all the hard work you do to present us a well researched work.
Ma'am writing comment before watching video. As I saw the views above 1lakhs in 1 hr... You can understand the importance of specific this video. Thanks for caring your subscribers.
As suggested by Madam , please take medical insurance immediately at 50 . Reason is if you have pre existing condition like diabetes there is a 4 year exclusion clause . Also your Health condition is different ( your wife or husband may not have Heath issues you have like diabetes) so each one needs to have seperate cover of minimum 5 L instead of family floater ,The insurance goes up every five years 50-55 slab and so on . So if you take medical insurance later like I did ( after 55) better late than never , you will pay a huge premium ( Total 42000 per year for both). My policy has 20% no claim bonus each year that will reset to 5 L once you file claim . Policy covers only hospitalization no routine Dr visits , blood tests . Madam is very correct to point out that this has to be on top of your to do list Medical coverage. My recommendation is seperate cover minimum 5 Lakhs
I fall in 50 years category you have eloquently explained financial plan one great thing you told that learn somthing to earn after 60 years of age I lost job due to covid and not likely to get job of same income I plan to learn equity market learn first for one year and make this as source of earning i hope this can give earning after 60 also I want to know is my decision correct
स्वाति जी,, आप बहुत सुन्दर है एवम आप बहुत ज्ञानवर्धक जानकारी देते हैं,, में स्वयं एक बड़ी नोकरी ,,,post के हिसाब से लेकिन तनख्वाह बहुत कम है,, आपसे बहुत कुछ सीखता हूँ । धन्यवाद
Madam, One point I would like to mention that 8 % interest is no more avilable in the maket. Please advise in your next VDO if you would like to modify your suggestion.
Also, Every 50 year old should ensure that they keep good health by exercising and proper diet, less eating out to minimize medical expenses if not covered by insurance. In general frugal lifestyle needs to be adopted by separating needs from wants to have a proper balanced life in retirement. sounds difficult bu doable. cannot rely on children to sponsor our retirement.
In last episode, you have informed about Smallcase. My question is- smallcase is run by many brokers. Whether all they have same portfolios or different stocks? Swatiji, pl guide us
I am 28 years old want to invest Rs 8000 a month for my retirement should i invest Rs 8k full amount in one fund like large-cap, mid-cap, small-cap or should the amount be divided into 3 parts 50% large-cap, 30% mid-cap and 20% small-cap???????
Mukund Jee, you may be right. I have taken FD as an investment option here, because, if a person has not invested anything so far (at the age of 50), he/she would find it difficult to understand the nature and working of Debt fund. Stay Blessed, B Wealthy.
जिंदगी अगर गणितीय आंकड़ों से चल सकती तो कितना अच्छा होता दोस्तों आजकल सबसे अच्छा इन्वेस्टमेंट है आप कोई अच्छी जगह kisto par plot खरीद ले आपको इससे बहुत बढ़िया रिटर्न मिलेगा
Mam आपने बहुत अच्छे से explain किया. Its really good but आपको क्या लगता है, कोई रिटायर्ड person अपना बना बनाया घर छोड़ कर रेंट पर रहने के लिए तैयार होगा? Next यदि रिटायरमेंट प्लान नहीं किया तो आगे 10 साल कहाँ और कितना निवेश करना better होगा? Pls. tell.
स्वाती मँम , बहोत अच्छी टिचर है आप, इतना सुंदर calcutation अगर काँलेज की उम्र मेही सिखाई जाय तो कितना अच्छा होगा, सब जगह अच्छे ही दिन आयेगे. और हर घरमे ऐसा एक तो इन्सान होना चाहीये जो पैसे का अच्छा निवेश करे , मँम, आपकी स्टङी,होशीयारी और प्रेझेंनटेशन को सलाम . आप बहोत सुंदर और आँल राँऊंङर हो ....
Thanks for the retirement series. Very informative. Now that we have come to a decisive amount , say a person has started saving the money but since the time period is just 10 years can you tell where to park this money? I am sure at 50 exposure to equity is risky but suggest instruments where we can achieve the objectives
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 meri daughter 7 year ki hai. Higher study ke liye per month kitni saving krni hogi... or plzz ye bhi btayein ki saving ke paise saving account mein hi rakhe honge ya RD.. plzz ek video bnaiye....
Nice presentation and atleast u started with Rs 50k pm income. Some videos give hypothetical figures of Rs 1 Cr pa which many do not have earning and such people have their CA to guide them. This is much required info as this generation had to support their parents, children’s higher education UG & PG and then a decent marriage spend. On top of it this genre cannot depend on their children after retirement as we do not know where they will be getting jobs etc. I really pity those who criticise but are unable to suggest what is the correction required as no one is master and no single video can satisfy everyone as everyone’s problem and challenges are little different. At last I appreciate your efforts and suggestions that we learn some good art to survive post retirement for the genre of pvt company employees who will not have any pension.
Madam you are the best adviser in the present industry, according to me. Your simplicity and clear witten advise deserve respect from the public and they have a special faith in your advise. God bless you.
I have started with some funds which gave negative growth, I hv discontinued those & started new one, should I withdraw from old & put it in new funds or should I keep them dormant & continue the new ones ? Pls suggest mam, I hv started investing as per ur guidelines, secondly should we also consider PF as part of our portfolio to meet 30% saving from salary ?
Hi, swati madam good evening, I found one mistake in this presentation. If I have 40lakhs at the age of 50. If it remains in EPF account then I will get 80lakhs after arriving at 60years. So which will fulfill my expenditure as per your calculations. Then if I save some more money for next 10years in PF that is 12%of my basic for example 6K permonth then it will fetch me around 20Lakhs So I will have One crore of PF amount so that I can live independently without burdening my children. Anyway thank you for your concern guidance to give importance for life after retirement.
my daughters current age is 11 month and i am planing to save around 50L for future ( after 21 year for education/ Marriage ) Please suggest which policy I should go fo
Which mutual fund is best to invest in age of 61yrs start for 5yrs and sip invest is 5to 10 thousand a month,if you have any knowledge about this tell me ASAP
EPF मे ४० लाख शायद सरकारी नोकरी में जमा होते होंगे , मेरे ३० सलके बाद सिर्फ ९ लाख जमा हुऐ, बाकी थोड़े eps मे गए। तो प्राईवेट नौकरी वाला तो प्लानिंग कसे करे?
8% int after 10 year !! Which bank madam ? What would be present savings each month ? As per your description , no savings at present, even when child education will be completed means after few years means 53-54 years again when house rent or EMI will be completed ? It's calculated with age so, it will continue till 60 , so no scope for savings till End. Then ?? Basically, its very hard to believe at the age 50 and salary 50000 pm gross having EPF 40 LAKH !!!! It will be around 10-12 lakh maximum. Even if its CPF , as per my own experience . NOW, again you added medical insurance , have you any idea what will be the cost of 3 family members group ins prem when the premium calculate on you the 50 years family head ? You have to stop either child education or have to leave your rented home or flat which emi around 12000 (Minimum). See mam it's really very hard to calculate or make a target for all the people those age at 50, they have to leave on their fate. Don't try to find 85 lakh or 1 cr target, become happy with what you have . Lastly, you said you have to be burden on your child, do you think after 10 years your child will accept you , none ready to take xtra burden because they are really over burdened. Calculations infinite , till death.
I admire the things you bring for us mainly in the form of financial warnings. Please keep it up. I am 53, I am going to receive ancestral amount of 17 lakh. In your opinion, what should be my retirement approach.🙏
I am taking retirement at the age of 50. In NPS tier I account I am having now 35 lac( hdfc fund manager). So much I can expect after 10 years.Will it be sufficient for two persons.
what you said from 13:20 to 13:40 is very important and must be followed by people in their 20"s age. its called financial discipline which people must take seriously. people must take others also seriously. things have become too casual...
Thanks Mam, Can you please make a video on what kind of new skills can be aquired to sustain life post retirement. As you said you might know people who are doing such things. It will help others to take clue and plan their life by learning somthing worthwile to support themselves.
Mam.. 60 Saal ke liye inflation rate ke hisab se aapne 35000 pm ke hisab se aapne yearly approximately 4 lakh expense bataya hai. Aur wohi expense aapne next 20 years ke liye approximately 85 lakh bataya hai ( multiply by 20 karke). Lekin mam, inflation rate to next 10 yrs ka, means upto 60 yrs tak ka hi nikala tha, aur usi hisab se approximately 35000/- expense aaya tha. Toh upto 80 yrs karne ke liye information rate bhi ( n=30) deke calculate karna padega na, jo ki humne n=10 karke kiya hai. Wo to bahut jyada badh jayega.
apne bilkul sahi kaha.retirement age tak inflation calculate kiya unhone,retirement ke baad jitne saal zinda rahenge uske hisab se har saal kam se kam 6 percent inflation rate calculate karna chahiye jo unhone niye nai kiya.post retirement ka inflation rate calculate nai kiya unhone
Mam kuch video army person k liye banaiye qki unki service 15-17 Years hoti h unke liye bahut problem hoti h investment ko lekar qki isi dauraan ghar bhi Banana hota h to kaise manage kre.
सूनने मे अच्छा है, लेकिन प्रेक्टिकली बहुत कठीन है। फिर भी आपने समझाने का बेहतरीन प्रयाश किया है,।
नमस्कार🙏
शूभ रात्रि।
करने से ही होगा ओम जी। शुक्रिया वीडियो देखने के लिए। Stay Blessed, B Wealthy.
Thank you🙏
Jo logo ke Paas koi PF bhi nhi Kyu ki koi government Job jesa kuchh nhi..aur 56yrs hai. Self employed hai aur irregular income hai aur abhi 10yrs mean 66yrs me retirement lena Padega apne kaam se aise hum logo k liye kuchh guidance dijiye please
Pichhle 1year se zee business pe Aapke shows dekhna chalu kiya hai Aap bahot achha kr rhe hai. Heartly best wishes
Hi Swatiji,
यही अनुभव सीनियर सिटीजन के काम आएगा आपना खर्च पूरा करने के लिए
धन्यवाद
As ROI is decreasing in bank & post office & expenses are increasing the one &only solution as u said Learn new skills & try to monitize them. Thank you mam
Mam ye vdo mere deemag open kar diye hain mai abi thoda sa paisa har mahine nivesh kar raha hun aur meri age 50 ke aas pass hai aur mai monthly 7 k nivesh kar raha hun, thank madam ji jo aap itne achhe se iss vdo me samjhaya aur jindagi se ru baru karwaya
बहुत he acha वीडियो स्वाति जी😊😊😊🥇🥇🏆🏆🏆🏆👌👌👌🇮🇳🇮🇳🇮🇳🙏🏼🙏🏼🙏🏼
बहुत अच्छा, अत्यंत महत्वपूर्ण जानकारी, बेहद सरल तरीके से समझाने हेतु धन्यवाद स्वाति जी।
Nice video it is a reality check -- request u to came a video on suggestions on what are gud jobs to make money after 60 yrs as I wont see the present generation taking care of old parents like we did for our parents -- PL suggest or make a video - thanks and regards
Bahut khub madam. Asi jankari dete rahiye. Thx. Hamare senior citizen ke liye bahut jaruri hai
SWATI MADAM
1 UR VOICE IS SO CUTE...
AND FINANCIAL KNOWLEDGE R MINDBLOWING....
2 SPEECH IS WONDERFUL...MOTIVATIONAL..SIGNIFICANT VLOG
3 MADAM INDIAN SOLDIERS KEEP ANOTHER VLOG.
THANK YOU...
Mam, investment ke liye shi plan bhi isi me bta deti to retirement plan esay ho jata.I like your idea very much.Thanks for information.
I'm very pleased and happy to see it. This episode is too important for financial as well as humanitarian. More over a lot of thanks for fulfilling our request. Have a nice and peaceful life to u by grace of god.
Golden Rule for True life style by elder Sister , Thanks for Life Vison actual possible Action Plan . Really so Great 👍
Which mutual fund better ? I mean which money saving is better .?? Direct go through bank and invest money our by using mutal fund app ??
Plz suggest me ??
Nice. Watched again after 4 years
Beautiful Message to our Age group peoples. Thank you Swati Ji.
MAM, ,,YOU ARE THE SUPEREB & SUPEREB PLANNING,,, THANKS,,
THANKS,,,,
Good calculation with best strategy for 50's
Madam EPF calculation Should not be 40 lacs , If he gets Rs 50000/- salary in a month at the age of 50 .Because EPF is calculated on basic Salary .It will hardly be within Rs 17,00,000/- and he may get gratuity of Rs 5 lacs . But yes his monthly pension will be Rs 2700 approx per month from EPF as pension. Can you advice if any one can able to save of Rs 15000 Pm at the age of 52 where he should invest ? Up to age of 60 with a goal of reaching.28 to 30 lacs ? Is it possible ?
Valuable suggestions Swati ji. You videos are very informative and simple to understand. Doing good and meaningful service.Thank you. God bless.
Om Shanti.
Valuable suggestion
I really appreciate and respect your work. Access to financial education is very limited in our country , this is important if we want to rise as a community. I really appreciate all the hard work you do to present us a well researched work.
😊
Ma'am writing comment before watching video. As I saw the views above 1lakhs in 1 hr... You can understand the importance of specific this video. Thanks for caring your subscribers.
As suggested by Madam , please take medical insurance immediately at 50 . Reason is if you have pre existing condition like diabetes there is a 4 year exclusion clause . Also your Health condition is different ( your wife or husband may not have Heath issues you have like diabetes) so each one needs to have seperate cover of minimum 5 L instead of family floater ,The insurance goes up every five years 50-55 slab and so on . So if you take medical insurance later like I did ( after 55) better late than never , you will pay a huge premium ( Total 42000 per year for both). My policy has 20% no claim bonus each year that will reset to 5 L once you file claim . Policy covers only hospitalization no routine Dr visits , blood tests . Madam is very correct to point out that this has to be on top of your to do list Medical coverage. My recommendation is seperate cover minimum 5 Lakhs
I fall in 50 years category you have eloquently explained financial plan one great thing you told that learn somthing to earn after 60 years of age
I lost job due to covid and not likely to get job of same income
I plan to learn equity market learn first for one year and make this as source of earning i hope this can give earning after 60 also
I want to know is my decision correct
Please always address TDS deduction on the interest recieved . No Baking or Government Institution gives 8 percent interest on any FD deposit .
Swatiji you are financial advisor?
Very good knowledge shere with people. Very nice
Thank you so much Swati ji for They calculate valuable information 🙏🙏🙏
Sister Aap NE bahot achhi jankari di Me 50 yer ka hu bahot upayogi bat kahi thank you so much sister
स्वाति जी,, आप बहुत सुन्दर है एवम आप बहुत ज्ञानवर्धक जानकारी देते हैं,, में स्वयं एक बड़ी नोकरी ,,,post के हिसाब से लेकिन तनख्वाह बहुत कम है,, आपसे बहुत कुछ सीखता हूँ । धन्यवाद
Madam, One point I would like to mention that 8 % interest is no more avilable in the maket.
Please advise in your next VDO if you would like to modify your suggestion.
A balanced views for all. Well explained. Thank you Madam!
Thank you Pradyut Jee, for watching the video. Stay Blessed, B Wealthy.
Swatiji, your knowledge is Awesome, Brain with Beauty.
Also, Every 50 year old should ensure that they keep good health by exercising and proper diet, less eating out to minimize medical expenses if not covered by insurance. In general frugal lifestyle needs to be adopted by separating needs from wants to have a proper balanced life in retirement. sounds difficult bu doable. cannot rely on children to sponsor our retirement.
In last episode, you have informed about Smallcase.
My question is- smallcase is run by many brokers. Whether all they have same portfolios or different stocks?
Swatiji, pl guide us
I am 28 years old want to invest Rs 8000 a month for my retirement should i invest Rs 8k full amount in one fund like large-cap, mid-cap, small-cap or should the amount be divided into 3 parts 50% large-cap, 30% mid-cap and 20% small-cap???????
Mam you are a really a finetestic and professional lady .you balance both emotional person and professional person.
U have given very valuable informations.It Will be definitely helpful for our future. Thanks a lot.
Nice explanation Swatiji for Retirement planning after 50 years one more Swatiji nice hairstyle and
Look very beautiful in elephant dress
Nice Analysis Swati
Can a 50 yr old start investing in NPS ??
Smati madam ur are made best video for financial planning god bless u
Instead of FD, one can invest in Debt funds. Interest rate is going to reduce regularly.
Mukund Jee, you may be right. I have taken FD as an investment option here, because, if a person has not invested anything so far (at the age of 50), he/she would find it difficult to understand the nature and working of Debt fund. Stay Blessed, B Wealthy.
Dear sister
Thanks for your guidance we required investment in each responsibility at now if you not dependent to other.once again thanks
Very good and informative video.
It is effective for 50 plus age and planning for retirements.
Good ways of social service by making videos for the needies.
I salute you.
Regards
जिंदगी अगर गणितीय आंकड़ों से चल सकती तो कितना अच्छा होता दोस्तों आजकल सबसे अच्छा इन्वेस्टमेंट है आप कोई अच्छी जगह kisto par plot खरीद ले आपको इससे बहुत बढ़िया रिटर्न मिलेगा
कृपाल जी, हम माने या ना माने ज़िंदगी में गणितीय आंकड़ें मायने रखते तो हैं। यहां तक की हमारी कुंडली भी उसी पर आधारित होती है। Stay Blessed, B Wealthy.😀
Mam Aapka sujhav bahut accha laga
I am crossed 50 now
Woow very beautifully explained and that too free of cost. You are doing great job ma'am.
Swati ji. Well Don ki apne 50 years walk ke ley banaya.
खुप छान माहिती दिलीत त्याबद्दल धन्यवाद
PF 40 lakh nahi hota max.18/19 lakh hota hai vo bhi without withdrawal....... equation may be changed.....
Vpf kataa bhai
@@sunilddanti9184❤❤❤❤
Mam आपने बहुत अच्छे से explain किया. Its really good but आपको क्या लगता है, कोई रिटायर्ड person अपना बना बनाया घर छोड़ कर रेंट पर रहने के लिए तैयार होगा? Next यदि रिटायरमेंट प्लान नहीं किया तो आगे 10 साल कहाँ और कितना निवेश करना better होगा? Pls. tell.
स्वाती मँम , बहोत अच्छी टिचर है आप, इतना सुंदर calcutation अगर काँलेज की उम्र मेही सिखाई जाय तो कितना अच्छा होगा, सब जगह अच्छे ही दिन आयेगे. और हर घरमे ऐसा एक तो इन्सान होना चाहीये जो पैसे का अच्छा निवेश करे , मँम, आपकी स्टङी,होशीयारी और प्रेझेंनटेशन को सलाम . आप बहोत सुंदर और आँल राँऊंङर हो ....
Thanks for the retirement series. Very informative. Now that we have come to a decisive amount , say a person has started saving the money but since the time period is just 10 years can you tell where to park this money? I am sure at 50 exposure to equity is risky but suggest instruments where we can achieve the objectives
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
खूप छान अतिशय गरजेची माहिती आहे
Very impressive personality, and very good communication skills.
RIGHT TIME MERE SAMNE YE VIDEO HAT AAYA....NICE IMFORMATION ...THANKS MADAM....
Mam meri daughter 7 year ki hai. Higher study ke liye per month kitni saving krni hogi... or plzz ye bhi btayein ki saving ke paise saving account mein hi rakhe honge ya RD.. plzz ek video bnaiye....
Nice presentation and atleast u started with Rs 50k pm income. Some videos give hypothetical figures of Rs 1 Cr pa which many do not have earning and such people have their CA to guide them. This is much required info as this generation had to support their parents, children’s higher education UG & PG and then a decent marriage spend. On top of it this genre cannot depend on their children after retirement as we do not know where they will be getting jobs etc. I really pity those who criticise but are unable to suggest what is the correction required as no one is master and no single video can satisfy everyone as everyone’s problem and challenges are little different. At last I appreciate your efforts and suggestions that we learn some good art to survive post retirement for the genre of pvt company employees who will not have any pension.
IN this remaining 20yers inflation also work. Please reply. Thank you
very nice video even Layman can understand. Hats off Swati for your easy explaining difficult subjects.
Mam unke.liye btao 20-25 thousand per month income krte h.
thanks for teaching us so much mam.God bless
Thank you so much B Wealthy team.👍👍👍
Thanks Swati ji for teaching to those who are not learn financel planning for better life after the retirement :)
Thank you Sujeet Jee, for watching the video and your kind comment. Stay Blessed, B Wealthy.
@@BWealthy thanks to you, best wishes fm.Benaras:)
Madam you are the best adviser in the present industry, according to me.
Your simplicity and clear witten advise deserve respect from the public and they have a special faith in your advise. God bless you.
Swati ji your way of explanation is very impressive
Why to take health insurance other than employers health insurance,
Please explain...🙏🏻
Veryy Very Informative Video... appreciate ur work❤️❤️
Mam aapko heath insurance ke bare me pata to to guide kijiye konsa health insurance le ?
Mai fifty 52 year ka hoon, koi plan MF ka hai kya, kitna paisa MF me invest kre ki 8 saal me kuch badiya returns aaye
I have started with some funds which gave negative growth, I hv discontinued those & started new one, should I withdraw from old & put it in new funds or should I keep them dormant & continue the new ones ? Pls suggest mam, I hv started investing as per ur guidelines, secondly should we also consider PF as part of our portfolio to meet 30% saving from salary ?
Hi, swati madam good evening, I found one mistake in this presentation.
If I have 40lakhs at the age of 50. If it remains in EPF account then I will get 80lakhs after arriving at 60years. So which will fulfill my expenditure as per your calculations. Then if I save some more money for next 10years in PF that is 12%of my basic for example 6K permonth then it will fetch me around 20Lakhs
So I will have One crore of PF amount so that I can live independently without burdening my children. Anyway thank you for your concern guidance to give importance for life after retirement.
But after 60 year remaining 20 years you never calculate inflation rate. You direct multiply yearly expense into 20 is it right method
Thanks sister
Mein bhi 12 yes bad 50 Ka hone wala hu. is se pata chal Raha hai ki aap pahle Galti na kare.
Good information
my daughters current age is 11 month and i am planing to save around 50L for future ( after 21 year for education/ Marriage )
Please suggest which policy I should go fo
Madam Ji 50 sal ka vedio banakar dil ko sukun Mila Thanks..
इन्वेस्टमेंट क्यो नही किया अब तक।सो रहे थे अंकल जी।
Very Good analysis madam Thank you
Swati, very nice and optimistic video. Thanks
Precious ideas❤️
Which mutual fund is best to invest in age of 61yrs start for 5yrs and sip invest is 5to 10 thousand a month,if you have any knowledge about this tell me ASAP
EPF मे ४० लाख शायद सरकारी नोकरी में जमा होते होंगे , मेरे ३० सलके बाद सिर्फ ९ लाख जमा हुऐ, बाकी थोड़े eps मे गए। तो प्राईवेट नौकरी वाला तो प्लानिंग कसे करे?
50k salary and epf 40lac not possible please correct your self.
Hello swatiji , good job 👍 pls keep posting. As a doctor i can say you be healthy 😊
Madam I like your video which is very useful and informative to me
8% int after 10 year !! Which bank madam ?
What would be present savings each month ?
As per your description , no savings at present, even when child education will be completed means after few years means 53-54 years again when house rent or EMI will be completed ? It's calculated with age so, it will continue till 60 , so no scope for savings till End.
Then ??
Basically, its very hard to believe at the age 50 and salary 50000 pm gross having EPF 40 LAKH !!!!
It will be around 10-12 lakh maximum. Even if its CPF , as per my own experience .
NOW, again you added medical insurance , have you any idea what will be the cost of 3 family members group ins prem when the premium calculate on you the 50 years family head ?
You have to stop either child education or have to leave your rented home or flat which emi around 12000 (Minimum).
See mam it's really very hard to calculate or make a target for all the people those age at 50, they have to leave on their fate. Don't try to find 85 lakh or 1 cr target, become happy with what you have .
Lastly, you said you have to be burden on your child, do you think after 10 years your child will accept you , none ready to take xtra burden because they are really over burdened.
Calculations infinite , till death.
Absolutely right sir.
Nice thanks 🙏
Bahut achchi jaankare thank you so much
बहुत शुक्रिया। Stay Blessed, B Wealthy.
I admire the things you bring for us mainly in the form of financial warnings. Please keep it up.
I am 53, I am going to receive ancestral amount of 17 lakh. In your opinion, what should be my retirement approach.🙏
I am taking retirement at the age of 50. In NPS tier I account I am having now 35 lac( hdfc fund manager). So much I can expect after 10 years.Will it be sufficient for two persons.
what you said from 13:20 to 13:40 is very important and must be followed by people in their 20"s age. its called financial discipline which people must take seriously. people must take others also seriously. things have become too casual...
Very good sister.
Very informative video.
50 साल वालों के लिए अब मत चूको चौहान वाली कहावत बिल्कुल फिट बैठ रही है।
Very good explainations, thanks a lot
Meri umar 50 years abhi kunsa mf/ equity fund loo pl advice me, thanks again for awareness.
Thanks Mam,
Can you please make a video on what kind of new skills can be aquired to sustain life post retirement. As you said you might know people who are doing such things. It will help others to take clue and plan their life by learning somthing worthwile to support themselves.
Hi, madam , thanks for your guidelines.
I am 47 now *' & salary is 17000/- per month , how to generate 1 crore in 10 years. Please help me mam.
Thanks mam for this motivation video .
Investment late but timely action, Swati ji your advice wake me up. Thank you very much.
Mam.. 60 Saal ke liye inflation rate ke hisab se aapne 35000 pm ke hisab se aapne yearly approximately 4 lakh expense bataya hai. Aur wohi expense aapne next 20 years ke liye approximately 85 lakh bataya hai ( multiply by 20 karke). Lekin mam, inflation rate to next 10 yrs ka, means upto 60 yrs tak ka hi nikala tha, aur usi hisab se approximately 35000/- expense aaya tha. Toh upto 80 yrs karne ke liye information rate bhi ( n=30) deke calculate karna padega na, jo ki humne n=10 karke kiya hai. Wo to bahut jyada badh jayega.
8500000 / 240=35416
12*20=240(month)
apne bilkul sahi kaha.retirement age tak inflation calculate kiya unhone,retirement ke baad jitne saal zinda rahenge uske hisab se har saal kam se kam 6 percent inflation rate calculate karna chahiye jo unhone niye nai kiya.post retirement ka inflation rate calculate nai kiya unhone