Buying A Home In Retirement | Buying A House After Retirement | House For Retirement
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- Опубліковано 10 лип 2024
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In this insightful video, join Swati from B Wealthy as she navigates through the complexities of post-retirement investing.
With a viewer's query on whether to use retirement savings to buy a dream villa, Swati delves into the practicalities.
She breaks down scenarios, from managing EMI to potential investment returns, offering a clear picture of financial implications.
Exploring options like SWP and adjusting SIP amounts, Swati guides viewers towards informed decisions.
Highlighting the emotional value of retaining a home versus practicality, she suggests optimizing retirement corpus for financial comfort.
Dive into this discussion to understand where to invest wisely after retirement and ensure a secure future.
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Time Stamp
0:00 Intro
1:13 Buying A House After Retirement
4:16 Investment Calculation
8:43 Retirement Planning
#mutualfunds #mutualfund #investmenttips #investmentstrategies #investmentopportunity #investmentopportunities #funds #sip #mutualfundsip #swp #tax #bwealthy
![How to Plan for Retirement? [Financial Planning 101]](http://i.ytimg.com/vi/2yOd_VW9GZ8/mqdefault.jpg)
40 lakh के निवेश से 50 हजार महीना कमाई, Full Video Link - ua-cam.com/video/GsNsJKWgfI8/v-deo.html
30 लाख से लोन चुकाएं या SWP कर EMI भरें?, Full Video Link - ua-cam.com/video/TDDL_TgRjq8/v-deo.html
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I am in a similar situation. We sold the existing house and are investing in the retirement corpus. From a 2400 Sq ft freehold house, we are moving into a 1000 sq ft flat in another city/state. Maintaining a home in another city as we age is difficult. My financial mentor taught me that after 52, it is time for consolidation, not for spreading our financial assets. I followed that. Made a lot of effort and became loan-free before 50. Downsized my household items by 30%. In addition, we have just enough, but it is sufficient to meet our needs.
Thank you so much for sharing your experience Nupur Jee. And I totally agree with you on consolidation part. Stay Blessed, Healthy & B Wealthy
Better to sell old house,
Why to maintain two houses,
Simplify the life after retirement.
So much informative. So data rich , no fuss like others.. kudos to you.❤
Kafi logoke doubts clear ho gaye hoge ... Achha smzaya 👍👍
धन्यवाद । Stay Blessed, Healthy & B Wealthy
Apart from your financial discussions maam,Video dekhtey hue aisa lag rha he jaise,Meri sister ,humarey mummy papa ke liye ek proper financial plan bta rahi ho.
Thank you so so much for this kind comment, Abhishek Jee. Stay Blessed, Healthy & B Wealthy
Best advice.. specially retirement ke as pas koi liability nahi rakhne chahiye( no loan shon ka chakar) n bacho se zada expectation nahi rakhne chahiye kyoki unki apne bhi zimedariya hoti hai as u said...
Thank you Saleem Jee. Stay Blessed, Healthy & B Wealthy
Mam Aapki advice bahut aachi hoti hai bhavnao main nahi bahein real life aur real life main Bahut aantar hota hain long term ka soochkar hi kaam karein Aur expectation kabhi kisi se na karein ekdum seedhi Aur sacchi baat 🙏🙏
अपना नज़रिया हमारे साथ शेयर करने के लिए शुक्रिया प्रदीप जी। Stay Blessed, Healthy & B Wealthy
Bahut hi vistar se sachhi salah di aapne.
Thank you mam
Thank you Shekhar Jee. Stay Blessed, Healthy & B Wealthy
Mam apki advice job vi sunti hu mujhe lagti hai k app hamesha aisi advice de te hai jo aamm admi ki kam aya se k
Thank u so much maa i have no words to praise u 🙏🙏
बहुत धन्यवाद Paramita Jee. Stay Blessed, Healthy & B Wealthy
Retirement ke baad naya villa leke kya kerna hai. Aadhi se jyada zindagi to nikal chuki hi. Ab to life ko enjoy karna chahiye.
Its a reward for their own hardwork....also retirement age is not retiring from all activities in life..!! Now their kid has more options if he intend to comeback...it would be preferable for him to keep a newer villa compared to an older villa !!
बात इसकी नहीं है कि - रिटायरमेंट के बाद विला लेना चाहिए या नहीं - ये Takeaway है ही नहीं इस वीडियो का. सवाल ये था कि इस खर्चे की प्लानिंग की गई थी या नहीं। अगर नहीं, तो अभी इतना बड़ा फाइनेंशियल फैसला लेने से, कैसा Impact पड़ेगा, ओवर ऑल रिटायरमेंट कॉरपस पर या रिटायरमेंट लाइफ पर। Stay blessed, Healthy & B Wealthy
i think the idea is simple, they might have dreamt of it someday and that day is now, also its a freehold property with garden where they can grow daily food , borewell for fresh water and maybe solar for electricity , a small portion can be rented or an AirBnB usage , a outhouse for a helper etc so the cost of living will be minimal , seems its a good plan to me
Thank you madamfor the Good video.
Thank you Prakash Jee. Stay Blessed, Healthy & B Wealthy
Wow Swatiji,one exception to a "common saying" that beauty and brain don't stay together but u have proved it wrong.
Very awesome and gorgeous and still a very decent look.
Thank you for the kind words Dilip Jee. Stay Blessed, Healthy & B Wealthy
What a lovely way to explain.
Thank you so much for the kind words of appreciation. Stay Blessed, Healthy & B Wealthy
Go ahead. Best wishes for new villa.
Nice video, Madam
No ,after retirement enjoy the life no any debt investment its my personal view.. Nice advice Swati ji your explanation awesome...😊👍
Thank you Anil Jee. Stay Blessed, Healthy & B Wealthy
Bahut shandaar vedio
धन्यवाद, विडियो देखने के लिए और कमेंट करने के लिए। Stay Blessed, Healthy & B Wealthy
Do Uma ji & her husband have close nit family & friends circle where they want to purchase villa ? They should perhaps take a smaller house/ villa in Kerala incase they have their family & close friends circle there . They should sell Vishakapatnam house to fund their villa purchase .
Thank you for sharing your views Richa Jee. Stay Blessed, Healthy & B Wealthy
पुराना घर बेचना सही है🤔🤔,आपसे पूरी तरह सहमत स्वाति जी😊😊😊👌👌👌🇮🇳🇮🇳🙏🏻🙏🏻
नमस्ते दीपक जी। उम्मीद करते हैं कि आपकी तरफ सब कुशल मंगल है। वीडियो देखने के लिए धन्यवाद। Stay Blessed, Healthy & B Wealthy
जी,सब बढ़िया है😊🇮🇳🙏🏻
Bahut badiya paramarsh, madam🙏
धन्यवाद. Stay Blessed, Healthy & B Wealthy
I would suggest selling old house at the time of buying new villa so that loan requirement will be less as loan interest liability is sure where as post tax returns on mutual fund investment is not sure.
No.
Ms. Uma should opt for rental accommodation at Kerala after retirement as per her requirement as apparently she or her family has no specific emotional attachment with Kerala and she is not willing to leave her existing home even after her retirement. Further, as the purpose of shifting after retirement is specifically not known, it will not be a wise decision to own a fresh immovable property specifically after retirement.
Thank you for taking out time to share your views. Stay Blessed, Healthy & B Wealthy
As expected, very good video
Thank you Vikas Jee. Stay Blessed, Healthy & b Wealthy
Yes
Thank you for sharing your view. I am curios to know why you wrote YES. Stay Blessed, Healthy & B Wealthy
Swati ji , Uma ji ki pension bhi to ayegi , thoda kuchh fund bhi ayega ... Wo bhi add kar lena tha ...
Aap to bahut smartly baat karti hain
Views and like should go in million for this kind of video.
शुक्रिया सौरभ जी। Stay Blessed, Healthy & B Wealthy
Hii mam Namaste mea 2022 se SBI mutual fund me20L Kiya avi crops 26L Mera retadment 2027 me Mera monthly 65 thousand sip bi sib muchual fund chalu hea mujhea monthliy 50 thousand chiyea Kiya esab sahi he please boteye
Mam pension bhi revise hogi 8 saal mein.
You are my inspiration
It truly means a lot to me to hear that I've been able to inspire you. Stay Blessed, Healthy & B Wealthy
❤ Namaste mam ❤.
❤ Very nice explain. ❤.
Dhanyavad mam
Nice 🎉
Thank you Vikas Jee. Stay Blessed, Healthy & B Wealthy
Namaskar di 🙏🏻
Mam mera portfolio ko review karenge kya
Waiting for ur valuable review please😊
रिटायरमेंट को जब 8 साल बचे हैं तो 30 साल के लिए लोन कौन देगा?
Good morning Didi
Mai Army me job karta hu mere paas PPF ur sara paisa mila k 60 Lakh h jisme ki retirement ka paisa bhi jod liya h
Mera Ghar kharch 25k h jbki penson 30 k banegi meri age 33 year h ek beta h 8 saal k Papa ki. Bhi pension aati h kya mujhe job chod k khud ka karna chahiye ya bhi job ur karu
No. 50 down payment plus loan EMI not recommended
i dont think any bank will give a loan for 30 years , we took a loan 2 years ago and got a loan for 12 year only as me (loan holder) will retire at 60 but bank gave extra 2 years as i am Govt official . So the biggest assumption doesnt works here, she( in the video) may get loan only for 8 years but i maybe wrong as there are lot of numbers here 🙂. They should be able to manage the Vizg property (known people and frequent visit should help)
Vishakapattan ka Ghar bech de.aur invest kare.jaha Ghar buy karna hai wohi Ghar rent pe le le.
Thank you for sharing your views. Stay Blessed, Healthy & B Wealthy
Mam, meri age 46 years hai. Maine abhi abhi Himr Loan khatam kiya...usase muje 25000 per month rent milta hai...aur abhi mere pas saving corpus 50 lacs hai..aur PPf main 22 lacs. Ab muje retirement ke liye kya karna chahiye ?
Rent ko Equity MF mei daal do, SIP ke zariye. 11 saal baad, yaani retirement se 3 saal pehle se dheere dheere nikaalne lagna isme se paisa or kisi secure jagah rakh lena. Agr rent same bhi rakha agle 11 saal to 66 lakhs jud jaaengey (25k SIP for 11 years @12%) and agr har saal 7% se rent badhaya to 87 lakhs tak jud jaaengey.
Mam aapka reply nahi aaya ??
Waise aap achha kaam kar rhi hain. 🎉
Kabhi nahi it's retirement amount for entire life of retired persons
Thank you for sharing your views Santosh Jee. Stay Blessed, Healthy & B Wealthy
One point has to be considered that the home loan can be sanctioned for not beyond age of 70 years
it will be better not to buy the villa and keep the fund in a liquid debts or mutual funds as we don't know in the old age when we will need the funds and how long are we going to live and its better to be independent after retirement and be seif sufficient instead we should have some fund kept aside for the childern also as emergency as they take a lots of risk and their jobs are also not secured specially if they are out of India
I am trying to sell my original home since last 3 years
Madam, you have made the matter more complicated. If they have to sell Vishakhapatnam home after 8 years, then why not now ?
Better is to control emotions, sell the house now, buy new villa , invest the total or balance retirement corpus now and enjoy the retirement life to its upmost.
Uma jee has 8 years left to her job in the city. What do you think, they should do, sell the house now, and buy villa in Kerala and live on rent in Vishakhapattanam? I don't think that is a good idea Barinder jee. Stay Blessed, Healthy & B Wealthy
13000 short fall manage ka nai bataya how come all invested?
Namaskar Madam 👍👍🙏🙏
Namaste Kamal Jee.
Rs 90 lacs will have , 90 lacs in 1 Re note. So never think of spending/ investing 50%...
Preserve and grow ur money. ..
How .
Invest in smallest parts.. where u r in control.
Mere pass 35lack h koi eesa plan batao jo risk free ho, return kam bhi ho chalega, but tax free hona chahiye....
Mam meri do sip hai ek pragparik me 2000 or Axis Blue chip me 2000 ki chal Rahi hai. Mam 8000 ki or sip karni hai plz suzest best mutual fund
Inhi dono mei badha do. Axis blue chip ko index fund se compare karna shayd index fund better ho
no
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy
Hello Swati how do you do I wish to meet you how is it possible?
No
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy
Hello mam
Mere paas 45L ka corpus hai jisse mai regular income chahta hu, corpus v grow hona chahiyea in long term minimum 10 years, monthly requirement is 20K, risk v kam hona chahiyea mam,kindly give best option
Just put the amount in midcap fund like Nippon india growth fund. Do swp 6% yearly for 45L and your corpus will be grown on time with compounding and this is the safest method
1.there is liquidity issue
2. If you want you can take loan also by pledging mutual funds unit
3 easy to exit
4 easy to sell
5 don't buy home or apartment because house will be doubled every 10 years but if we see in Cagr it should be 7% like inflation.if tenent stay your rental yield like 2 to 3%
Finally choose the asset class which have these parameter like liquidity easy to exit easy to sell take a loan anytime and growth your asset.
1st statement I wrong typing
There is no liquidity issue.please check this
क्या इसमें जो FD है उसे निकाल कर EMI थोड़ी कम की जा सकती है?
There can be many permutation and combination Jayant Jee. This can also be explored. Thank you for watching the video. Stay Blessed, Healthy & B Wealthy
In 8 years pension will increase and salary will also increase the same is not accounted.
I agree Ashish Jee that we didn't factor in both the things because 1. I didn't have access to these numbers. 2. Even if salary and pension increases, I feel we should not burden ourselves with loan and liability when ae are reaching retirement. Stay Blessed, Healthy & B Wealthy
It is never advisable to have any sort of liabilities when you are approaching towards retirement or retired.
Yes, I agree. Stay Blessed, Healthy & B Wealthy
53000 ka salary or 10000 ka side income 25000 ka sip bus yahi hai zindigi. Ya jo numbers aap bol rahe ho o sab sapne mai bhi nehi dekhte
अरे आपका नाम ही daydreamer है , आपको तो सपने में ये नंबर्स ज़रूर देखने चाहिए। Stay Blessed, Healthy & B Wealthy
@@BWealthy yes mam sapne bohot bade hai actually. Jaise aaj ek sapna pura ho gaya aap ne reply kar dia. Ek din apne video mai mere sawalo ka jawab de dijiye ga shyad kuch welth bana lo with the help of your suggestions. Big fan of yours
They will get loan for 15 years only max not for 30 years .
Don't buy villa.. Go goa and pura duniya gumo and chill karo 😊
Kuch b
No. For 15 thousand they will get villa on rent😂
Sahi pakde hai
Let's not make fun of others. I don't expect such responses from the B Wealthy viewers. Anyone can have dreams and desires. अगर हम किसी के ख्वाबों को अहमियत ना दें, इसका मतलब ये नहीं है कि उसके ख्वाब अहम नहीं है। Here at B Wealthy, we are trying to help each other in making informed financial decisions. Let's respect all the questions and learn from the answers. Stay Blessed, Healthy & B Wealthy
@@BWealthy Madam with due respect have learnt a lot from channel like yours.
Was only replying that after retirement I feel their is no need to block hard earned money and instead earn a good cash flow by investing even in Govt safe securities.
No offence to anyone 🙏
No,
Sell old House
Home loan emi -4% of annual package , same loan emi amount invest in mf scheme.
A Big No
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy
No.
Thank you for sharing your views. Stay Blessed, Healthy & B Wealthy
No😊
Thank you for sharing your views. Stay Blessed, Healthy & B Wealthy
Hi❤
Hi Ashish Jee.
@@BWealthy मैडम जी आप अपने सभी followers ko ek din dinner par invite kariye
NO mem
Thank you for sharing your views. Stay Blessed, Healthy & B Wealthy
Hi
Hello!
No way……..
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy
Sab ye bhool jate hain hain ki unko 1 din marna hai sab yahin rah jayega, Simply 1 Ghar bhech do aur bina tension raho ..
US mein log 55 year ke baad apna 1 ghar bhi bech dete hain aur world tour karte hain, Indian main log retirement mein naya loan le rahe hain.. Bhai kabar mein jeb nahi hoti
अरे रवि जी, सबके अपने सपने होते हैं और उन सपनों से जुड़े सवाल होते हैं। इतना चिढ़ कर जवाब देने की क्या ज़रूरत है :) ख्याल रखें अपना। Stay Blessed, Healthy & B Wealthy
@@BWealthy ma'am maine chidh ke jawab nahi diya keval facts likha hai, aapko galat laga toh sorry..
Bhai itne rich fokat Govt employees hi ghar khareed sakte hai
30 yrs tenure of Loan at the age of 60 yrs is not possible. So your Maths is wrong. So entire video is misleading and Calculations are wrong
First thing is point is not about whether a retired person would get loan or not. In this case, wife is working, she can also take loan in her name. Even pensioners get loan.. the point here is about investor's behavior, thought process and financial decisions. Hope you understand it. Stay Blessed, Healthy & B Wealthy
@@BWealthy Assumptions were wrong.Getting 30 yrs Loan would be possible only for a person between 30-35 years. Home Loan should not be a point of discussion for persons already between 55 to 60 years +
Videos should be practical and not theoritical. Should bring on Board Home loan experts, who would have give necessary caution statements. Your videos are good with experts as a part of discussion
Makan murkh banata h aur samjhdar log Usme rahta h 😢
Do you sure and give guarantee or agree with benefits you said are guaranteed? If not then please don't send/share videos like this to misguide the innocent people.
What guarantee you referring to Ashish jee? Stay blessed, healthy and B Wealthy
Inocent people fd /nsc /ppf . Karke ghar baithe रहे
Bakwas
क्या वाहियात फैमिली है।
माँ बाप को बुढ़ापा में लोन लेकर घर लेना है
बेटा विदेश में पढ़ रहा है तो वहीं नौकरी भी करेगा
और बहुत मुमकिन है एक या दो generation के बाद मां बाप की इंडिया वाली property sell भी kr देगा।
ये सब सिर्फ mental stress बढ़ाएगा।।
जब एक जगह घर है तो दूसरी शहर में क्यूं रहना फिर तो वहीं घर बनाना चाहिए था।
Yes
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy
No
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no
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No😊
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Yes
Thank you for sharing your view. I am curious to know why did you write YES. Stay Blessed, Healthy & B Wealthy
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No
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No
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No
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No
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No
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No
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No
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No
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No
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No
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No
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No
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No
Thank you for sharing your view, Vivek Jee. Stay Blessed, Healthy & B Wealthy
No
Thank you for sharing your view. Stay Blessed, Healthy & B Wealthy