Retirement planning for 40 years old: how to save and invest for retirement,रिटायरमेंट के लिए निवेश
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- Опубліковано 7 вер 2024
- Retirement planning for a 40-year-old person. What can you do if you have not started investing for your retirement? Is it too late to start an investment for retirement? How to calculate your retirement corpus? How much money will you need to live comfortably even after retirement? B Wealthy Swati answers all these questions in this video.40 साल वालों के लिए रिटायरमेंट प्लान, कैसे जुटाएं रिटायरमेंट के लिए रकम, कैसे करें बचत और निवेश, कैसे हों आराम से रिटायर
Nice Presentation Madam, Thank you for Your Guidance.
One more thing on deficit to reach 2.30 Cr. Goal, we should consider our salary hike too, it would not be same it also increase year on year it may hike yearly or after every 2-3 years by 4 to 8 % , our expenses also increases but, still thr. Is a Big scope to reach near to 2.30 cr. Goal... so be positive and do regular Investment guy's.
एक तो आप इतनी ख़ूबसूरत उसपर से इतनी अच्छी अच्छी investment plans..GREAT..BEAUTY WID BRAIN ♥️
Ma'am 4.38 mins pe pause karke ye comment likh rahi hu.
You already know I am your regular follower. Aisa feel hua aap finance ke saath Maths padha rahi hai wo bhi bahot achhe se.😀
Ma'am please 50 years ke liye bhi ek video bana dijiye taaki jo rahe gaye hai planning mai wo kuchh to kar le 10 saal mai.
Thank you🙏💕
मैडम मैंने आज तक यूट्यूब पर ऐसी वीडियो नहीं देखी है यह वीडियो मेरे ऊपर 99 परसेंट फिट बैठ रही है
Swati ji I am your regular follower and appreciate your videos and how u explain everything in layman terms. My doubt is why are u not factoring in the interest we will get in the retirement corpus?
As you multiply the monthly value directly by 20. However if we consider the interest and the inflation balance each other out..this makes more sense.
Thanks and keep doing great work.
superb mam as per my experience this is true and realistic aslo i am at 55 year but thanks to my parents and social atmosphere ,who guide and inspire me to start saving at age of 25 I have indepently self sufficient corpus to retire in next 3 year
Patel's are by born so calculative.its in their blood.
Patel sir can you help me my age is 28 and want to retire at 45
Hello mam, Have started investing watching ur videos, Shall complete a year this march for investing, Adore ur Knowledge , God Bless
Apka cnbc channel ,your money ,money Guru dekhkar hamne investment karna sikha u r doing great job god bless.
Mam i feel inflation from 60 to 80 may not be needed in this calculation,as the corpus will not be withdrawn together. Hence out of 2 crores corpus lets say first year only 12 lakhs are withdrawn the remaining can be still invested to nullify inflation and so on. Also , request if you can cover SWP in mutual funds and how it can be used efficiently
आप को खुश देखना आपके सारे followers के लिये सबसे ज्यादा ख़ुशी की बात हैं | पैसे तो जरूरी हैं पैर आप हर हाल और हर सूरत में स्वस्थ रहिये | नया हेयर कट और साड़ी परिधान आप पर बहुत जंचता हैं और आप बेहत प्यारी लग रही हैं |
Thanks madam ji, I am 39 and just started investing as sip. You really opened my eyes. I'll do as you say from tomorrow only. Thanks a lot. God bless you.
Very nice video swati.... I am not 40 years but i understand ur concept and it cleared my confusion and worry of not investing in equity market in my early age... I still have options and hope to reach my retirement goals and become rich... 💓
A well wisher always be a family member, mam u are not out of my family. I learned a lot. I am 50yrs now.I belong to 6.5lakhs in gpf and continue 7500/month. I also started two mutual funds sbi hybrid and sbi small cap total 7000/month.Now I heard about sbi swp. Icannot realize it thoroughly. Please make a video about swp and kindly explain is it necessary for me or not and what would be the amount?addtion-I have seen your swp few hours before which comes utube about two months ago.
For amount calculation between 40-60 yrs, The saving is monthly amount but the inflation rate is annual…so either you use the annual amount or convert the inflation rate into monthly….
U haven't told where to invest for the return u have calculated
Good inform to madam
Mutual fund
I just received my first profit of 3,000 USD this morning,it Really feels like I won the women NBA championship🍾🍾💃...
Am so happy.
@@bimalachaaya9308 How do you earn such?
@@bimalachaaya9308 What did you do?
What do you trade on?
Always great...investment and share market mutual fund all word lisiten from u..u r the greatest teacher counselor financial ..pray for u bless u healthy happy life for u🎉
The most logical, practical and calculative video and explanation ob retirement, so far, I would surely recommend this channel, basically of two reasons; Swati mam's knowledge and her beauty 😎
Ma'am you are such nice guider. Apka video her ek job karne wale insaan ko dekhna chaye ☺️
Mam tax calculation on return is ignored. It should be included. 12% return is not easy for a common man.
Exactly
Right not 12℅ return possible. Kindly give us the option in today environment where maximum return is possible.
Much appreciated and quite logical , easy to understand number(s) and plan accordingly at early 40s
Congrats Swati ma'm for zee business 2nd innings happy journey
Thanx ma'am for raising all the comment related previous video
In my opinion you are the best and honest finance advisor
You are the reason to start my investment and you are constantly encouraging me to invest. I will always be grateful to you
Thank you ma'am 🙂♥️
One major expanse at age 51 for any parents when theirs children graduated was theirs wedding you should add this factor to this otherwise all well explain...!!
Good job
Nice and Helpful video , as explained by you regarding investment , can you please guide us where to invest the amount so that we get good returns . If possible please make a video of investment for age 40 ie where to invest
Thank you
My age is 24 now and i have started investing 2000 p.m in SIP from last month and my salary is 15000 p.m. By how much should i increase the monthly SIP amount inorder to be financially independent at the age of 50-55 ? I wasted my 2 years of job in spending money on unnecessary things but after watching ur videos i have become self aware about my future...so thanks to you mam for spreading financial awarness amongst ur subscribers and inspiring us to start investing at an early age.
Mam age 40 years & salary 25 Thousand hai too unke liye savings bataiye
50,30,20 thumb rule save 20% of your 25thousand which is 5000 so invest it in index fund or conservative fund.
Good video
Thanks for b wealthy team.👌👌
Mam simple & effective..great work mam..thanks
Mam you are so cute and i also started investing in mutual funds
Very nice financial freedom video madam.tq
Thanks and same to u
50 year ka liya koi plan ha ?
And i sure u give good plan
Sach to sach ha.... agar aap saving sikta ha to end main badhya life hoga....
Poor or rich must see this video....
Ma'am you're soo talented. I want to know that I am starting investing in UTI nifty index fund for long term 20 years so how much corpus will get. And is that good fund or not? Pls tell me. Thanks
U should try in axis bluechip large cap fund
If you are investing for tax saving as a additional purpose then put 75K each in PPF and nifty fifty ETF. Preferable lumpsum in PPF at the beginning of the FY and in SIP in etf.
Yes it's a good fund. Index fund are less volatile with less expense ratio. Uti nifty index fund has low tracking error too.
If you make a SWP of the corpus of 2,30, 91000/- with average returns of 8.5% you can easily cater to inflation for the 20 years between 60 and 80 yes of age
Man top 10 safe mutual funds k Naam batayen jo 12% avarage deta ho.
Google it Top 10 MF in india 2021
Nlce
Very good information and nice video... Please keep uploading
आपकी बात ही अलग है। वाह। सुभान अल्लाह।
Swati ji aapka ye video financialy un trained viewer ke liye ek best guideline h for their future and you looking so cute and happy makarsankranti to you and your family
Mam looking beautiful and suggestions trip awasam.
Not only beautiful she is too much beautiful...👌🏻
Good very useful information thank you madam
Mam, me army se pension aa raha hu after 15 years aur maine 4 yrs pahle hi mutual fund me investment start kiya h, but aage ki planning ke baare me please suggest me
Dsc
Don't worry, pension to hai hi, iske alawa Fauji kabhi retire nahi hota, kuchh na kuchh karte raho
V good approach with realistic values,problems and aspirations, but could ve been more realistic, if u assume expenses in retired life will not be same as now, so we can reduce 30000rs to 15000rs and calculate with inflation, removing rent assuming we ve own house, entertainment, outings, outside eating, shopping, vehicle maintenance, and could take 20000rs adding medical expenses, then even 40A person can do a realistic plan for retirememt
Itna dara diya madam 2.3 crore 🥺 sunn k souch reha Hun abhi nipat jaun
Brother share market me thoda thoda investment kijeye
Aur nifty 50 ke share jyada behtar rahega .
U tube me bhi dekho .
Pranjal kamra ka video dekho or mohhamad faiz ka bhi dekho .
Mene bhi salary ka 10 se 15 % investment karna chalu kiya he
Or sip accha he .
Risk to thoda lena padta he apne apne hisab se .
Good luck bro .
Hello ma'am,,🙏 thank you so much।aap bahut sundar h or usse bahut zyada samajhdar h,, really thank you
Today you are looking so cute n
Pretty.
very good topic i understand
Swati Jii looking so beautiful and gorgeous ❤
रिटायरमेंट प्लानिंग फ़ॉर 40 yr ओल्ड🤔🤔🤔🤔💰💰💵💵,सारे विकल्प काफ़ी achi तरह समझाए आपने स्वाति जी😊😊👌👌🎖️🎖️🏆🏆🥇🥇,मकर सक्रांति की शुभकामनाएं और बधाई😊😊🙏🏼🙏🏼
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I made $13,800 within 6days of trading
@@abonyievelin8739 You're lucky
I Lost $1500 trading with an unprofessional trader
Investing in crypto currency is so lucrative
@Simon Andersen You are absolutely right but we also have lots of expert, real ones with certificate and firm IDS out there waiting for investors
I'm 45 years old This video is helpful
Kindly provide me your mail I'd for financial planning suggestions according to my age and investment capacity.
🌻🌹 Hello Mam 🌹🌻
Age 60 hone pe koi ek hi din mein 2cr toh spend kar nhi dega... usko monthly 1lac appx chaiye hoga...so rest of amount ko bhi toh NIVESH kar sakte hai.. joki badhta jaega... i do agree ki mehangayi bhi bdegi... but still.... I have seen Log Interest pe Interest bhi le rhe hai.. woh bhi kafi acha.
N if i am not wrong... apne 89lacs appx ko bhi last mein plus kardia 40B ke liye.. per woh toh allready itna kar chuka hai. And apne phir se 2k + 4k + 5k with monthly increment mein ADD ON kardiya...
Wese kafi acha samjhaya hai apne.. NIVESH YEH SIKH KE BHI LOG KARENGE.
WELL DONE MAM FROM ALL OVER THE WORLD 😄🤗
Beautiful arms and nice tattoo.. i really love it..
Swati sister , like a teacher. Good explanation. Excellent video. 🙏🙏🙏🙏
Who gives you 12% returns...!!??
Please make realistic videos
Luna da sardar ---- mutual fund deta hai sir
@@deo_siddharth ...i don't think so...except if you are too lucky...
12 % is very conservative but great explained thanks
कोशिश शुरू करना ही सबसे ज्यादा जरूरी है investment करते रहिये l
M 34 years old . Started SIP since 2016 amounting to Rs. 6000/- only, in L&T (Rs. 2000) and Rs. 4000/- (In Franklin ).
I have decided to keep it till 2046 .
Ma'am what may I get in Year 2046 ???
Please tell💐
Bro monthly u paying or yearly
Madam 51 yrs mae koan hai joa 40000/- income rahegi.. yatoa well educated hona chahiye yatoa government employees..
Am middle class fearing for future
I am also 40 Plus.. nice video.. I have no saving yet
.
Nice explained
Madam AAP ka dimag hai computer jai Masha Allaha AaP jeo hajaron saal
Thanks is a small word, for this knowledge 🙏
Thanks
Brilliant video on retirement
Thanks ma'am for such useful information.
Have couple of questions and it will help viewers if you can make some videos for same. 1. Those who started some LIC/ULIP, can they stop it or now better option is to continue on those looking at penalty involved but do not buy new ulips. 2. What is rebalancing of MF SIP portfolio and how frequent it should be done. Pros and cons of it. 3. I have invested in some MF SIP and for few MFs as per research from scripbox, ET wealths etc.. now we should move out of those fund. Is it good to stop existing SIP if I am moving to new performing MF and continuing with same amount .
I have learned lot of new stuff from your channel and also found mistakes made by me. Thanks.
Feeling Extremely positive
Very nice ma'am
Ma'am, this is true even for inflation post retirement, as the amount of 2.3 crore will also earn return. We are not going to keep 2.3 crore cash in tizori. So even if 2.3 crore give returns equal to inflation. Money will be sufficient
Nice plan
Very hypothetical plan..
It's a wonderful and very informative video. Thanks for sharing this financial planning knowledge. I would like to ask you that I am 43 and don't have any investment or saving as of now and my kids are grown up one is 12 and younger one 10. I am more worried about my future and after retirement. kindly advise .. looking forward to hear from you.. thanks
Thank you I'm 40 and I just started invested thank you 🙏
it's very necessary you start up with a financial consultant,For proper guidance and avoid losses.
Madam ji bohut Sundar advice
Very intelligent lady
Ultimate tha ma’am video so informative
Mam, its really a good experience to listen your tutorials in a very simple & understandable language. I am really one of your smallest FAN :)
Has anyone told you that you sound exactly like Vidya Balan ? And equally gorgeous too.
Simple rule...
If inflation will increase by 6% then your investment should be increase by 6% ...So one should invest his 25%(100%/4) of salary by the rate of 24%(6%×4) then only he can achieve the goal.Investment amount is inversely proportional to the rate of intrest.If investment amount decreases then rate of intrest should increases.I hope you got my point.Thank you
Very Very thank swati mem aap bahut aacha vidio kiya Hamlogonku esse help full hua .kisinebhe aisa vidio aabhetak nai dekhatha.thank for that.
Mam nice Concept
Very nice video. Very useful for almost every individual in our country
बहुत ही शानदार स्वाति जी आपने मुश्किल आसान कर दी धन्यवाद
Very nice video main.i like it.
Solution for inflation between age 60-80 age would be: Take SWP systematic withdrawal plan scheme from asset management companies not only you can enjoy your retirement life with this corpus but you can increase this corpus amount also till you live and post your death you can give this increased corpus to your kids as a gift for their retirement life. This is what i am doing now and kids are also happy..
Good.
Thank u ji
Thanks.good information.....
Really good one Swati
very nicely explained
Very good analysis
I would like to highlight that you have not considered inflation post retirement by multiplying per year amount simply by 20. Hence amount required is way too high than the quoted number
अति सुन्दर बहुत धन्यवाद आपका आपने बहुत सही उदाहरण दिया है
Good , keep it up
Nice video.and well explained
Great work
Good
Nice one
very nice presentation