✅To Consult Bhaven, CFP for your personal financial planning, click on the below link wa.me/919004789500?text=consultation%20details ✅ Or WhatsApp on - 9004789500
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I beg to differ here.. The best option is to payoff 13lac from the accumulated amount as down payment and take car loan for the remainder 4 lacs. If taken for 3 years at 9% rate, the monthly EMI comes to around ₹12k and total interest paid will be around ₹58k after 3 years. If taken for 5 years, the monthly EMI will be around ₹8k and total interest paid will be around ₹98k after 5 years. In both the above cases we don't need to continue the hefty SIP amount for another 5 years to fulfill this goal. Rather we can invest the balance amount for some other objectives. Give a like if this plan makes sense.
Gud option. But his concept of continuation shows another 5 years will accumulate some 8+ Lakh in balancd...which can B used for another purpose... As for your option there is zero balance at the end clearance of EMI.
I calculated, 24,44,310 is amount Paid from salary in 10 years, out of which 8,49,000 is saved, so Actually after all this he bought 17,00,000 car in 15,95,310 rupee. and paid 4 lakh interest to bank, he only made bank 4 times richer than himself.
Mera to sidha hisaab hai car lena he kyu agar abhi apne bus ki nahi hai to simple jitna car ka emi jayega utne ka SIP karo aur CAB se ghumo. Jitna saal ka maintenance hai aur insurance hai utne mein saal bhar CAB mein ghoom nahi paoge.
Sahi h car Leni h to mere pass khadi h honda amaze dhai saal pahle li thi. 10-11 hjar km chlayi h abhi tak😂 use hi nahi krte. Faltu me paise lga diye. Log dhai saal me lakh km ghissa dete h
There nothing wrong if you take car loan, why wait 5-6 year, when you can only buy it now on emi, you get to experience of owning a car at an early age, plus you get to used your car for your daily used. I know people will talk about depreciation, car depreciation i know but if you maintain it well you can resell it at a good price. You get the car the experience and also the resell amount and also remember you live only once,But please calculate your income properly before taking emi make sure you can repay before due date. And last but not the least Aways have discipline in repayment the loan amount. Thankyou
Hi bro... I am new to your channel, this concept looks very interesting but honestly I didn't understood this concept. Can you please make different video elaborating more
Plain rule in a financial txn is more the number of intermediaries higher is the cost. And the cost gets levied on each leg of txn. This mechanism to do 7-8 txn involving different intermediaries is trying to fend value for these intermediaries.
पहले जाकर इनकम टैक्स पढ़कर आओ इनकम टैक्स एक फ्लैट रेट से नही लगता के निकाला 30 परसेंट और हो गया काम और दूसरी बात यहां लॉन्ग टर्म कैपिटल gain टैक्स लगेगा
6th year se SIP kaha hua? Wo to same paisa aaj hi gaya aur aaj hi withdraw hua. To is se acha to hai ki EMI aur SIP ke bich ka jo difference hai, utna hi SWP kiya jaaye 6th year se.
@@Risheei us se kya fark padega. Pahle ke unit lower price par the the jyada unit redeem hoga. But sawaal to ye hai ki extra paisa daal kar ke fir se ussi paise ko SWP karne se better to ye hai ki jo difference hai utna amount ya unit redeem karo. Yaha bhi First wala hi redeem hoga.
@@Risheei Arre bhai sahab yaha nav aur unit se koi lena dena hai hi nahi. Aapko bank ko 35000 dena hai. Aap 22000 sip me daale, aur pahle se daale huye 22000 nikaale. Apne pocket se 13000 milaaye. Aur bank ko 35000 de diye. To sip ka fayada kaha mila.
Total investment: 26 lacs In-hand after 10 yrs: At 12% rate, A car (8.5 lacs value after depreciation) + 13.5 lacs in mutual funds Let me know how is it a wise decision? 😂
2nd Option I have different Opinion If you had 17 lakh Cash and instead of Buying direct car 1. Invest those 17 Lakhs in FD for 5 Year's and Take OD Of 95% Amount 2. Purchase Car On Overdraft Amount 3.Start Aggressive Balanced fund which gives atleast 15 % Returns 20,000 You will get 18 lakhs At the end Of 5 Year's 4. Only Pay Intest amount on OD which is also depends on our choice as necessary let us assume 3000 rupees per Month ( monthly liability 23,000) 20 sip +3 Interest on OD 5.Post 5 Years FD Will get matured @8 % You will get 25.3 lakhs 6 . Clear OD From Amount You Got From Mutual Funds ( 17 Lakh) still person left with 25 lakh balance Of Fixed Deposit+ Car value 8 lakhs... Means 33 Lakhs
I have a quesiton. Why to invest after 5 years again in MF? Instead do the swp of remaining amount like 22K from salary and 13k from swp. In this way MF will grow at a higher rate because you are not withdrawing 35k you are just taking 13k*12 .
aaj se 10 saal pehle v swift 7 lakh me milti thi aaj v 7.5lkh me milti hai.. next 10-12 saal baad zyada se zyada 8.5lkh me miljayega. .@@vandematram7107
sir,if we pay the total amount which is invested in sip to buy a car & later if again invested in sip for 5 years,with no inflation considered,then he again get 17L for sip investment !!!,If as said in vedio he countinued to invest in sip for 10 year as car buy using swp,then he can only save 8L,i think 17L is greater than 8L🤔
Finance coachji please also consider income tax in this brilliant idea, once you will consider income tax aapki strategy side me rah jayegi... Logo ki hard earn money ko tax me waste mat karwaiye
Better delay your gratification and multiply your money in stocks , mutual fund. dont buy car (just to show off) before crossing 40 yrs, if your annual salary is near about the car price.
Hi Sir, One doubt, Imagine i do set up 8% for ten years, I dont touch the SIP, but i also start paying for the car EMI out of my pocket. then at the end of 10 years what will be my Total SIP amount Minus the Car Emi paid
I guess you should have mentioned a little on exit loads and taxation. Doesn't make sense for me to continue SIP investments do SWP and pay tax on the withdrawal amount and in the second case probably pay exit load.
This video is informative but 12.5% stcg is Missing in swp.. Also if we have another corona wave, your car will be auctioned for half rate by bank officials
Hello sir, Thank you for information, I have on doubt I'm planning to buy a land, there is enough money to buy in cash but as it is new layout and it takes atleast 5year for houses to built there many of my well wisher are suggesting take some amount of loan (ROI-9%) so that in case of legal issue in later stage that would be much helpful. So I was thinking keep half in SWP and use that money to pay my EMI Back again with 9% ROI also I'm getting good returns is this advisable or not. Kindly help me this.
You are just confusing bro..at the end of 5 years instead of taking 17lakhs as loan...you can pay those 13lakhs as downpayment and take 4 lakhs as loan..then your emi will be 8,300 and you can continue remaining 13740(22040-8300) as sip and at the end of tenth year your car loan will be over and you will be left with 11-12 lakhs corpus
I've come to realize that the key to earning a million is saving up for smarter trades. I constantly remind myself that I don’t need that new Maserati or vacation right now. This mindset has helped me make more money through trading. For instance, last year I invested $58k in crypto and earned around $476k. But instead of spending it, I reinvested and traded again, and now I’m approaching a million
This is totally wrong... for the 6th & 7th year the corpus amount should reduce & then eventually increase in the last years as the sip amount increases & the breakeven point will be 8th year wherein the negative differencial of sip & swp will be covered by the returns generated on the corpus accumulated until previous year.... Also, it would be better if you had clarified the audience that sip is done at the start of the month & swp is done at the end of the month... This will make a very minimal impact in the calculation though. Wish I had the option to attach excel file cause the working shown in the video is bullshit & totally wrong.
✅To Consult Bhaven, CFP for your personal financial planning, click on the below link
wa.me/919004789500?text=consultation%20details
✅ Or WhatsApp on - 9004789500
AA1aa
❤
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I beg to differ here.. The best option is to payoff 13lac from the accumulated amount as down payment and take car loan for the remainder 4 lacs.
If taken for 3 years at 9% rate, the monthly EMI comes to around ₹12k and total interest paid will be around ₹58k after 3 years.
If taken for 5 years, the monthly EMI will be around ₹8k and total interest paid will be around ₹98k after 5 years.
In both the above cases we don't need to continue the hefty SIP amount for another 5 years to fulfill this goal. Rather we can invest the balance amount for some other objectives.
Give a like if this plan makes sense.
Gud option. But his concept of continuation shows another 5 years will accumulate some 8+ Lakh in balancd...which can B used for another purpose...
As for your option there is zero balance at the end clearance of EMI.
SIP ka purpose fail h agar iski help se koi bhi depreciation wala item kharida to....😂😂😂😂
10 th year me haath me kya reh raha hai??
8.5 lakh Only that after 10 yrs will have 4.5 lakh inflation added..
I calculated, 24,44,310 is amount Paid from salary in 10 years, out of which 8,49,000 is saved, so Actually after all this he bought 17,00,000 car in 15,95,310 rupee. and paid 4 lakh interest to bank, he only made bank 4 times richer than himself.
what about tax on 13 lakhs?
Mera to sidha hisaab hai car lena he kyu agar abhi apne bus ki nahi hai to simple jitna car ka emi jayega utne ka SIP karo aur CAB se ghumo. Jitna saal ka maintenance hai aur insurance hai utne mein saal bhar CAB mein ghoom nahi paoge.
bus me apni bandi ke sath kiss karega?
Sahi h car Leni h to mere pass khadi h honda amaze dhai saal pahle li thi. 10-11 hjar km chlayi h abhi tak😂 use hi nahi krte. Faltu me paise lga diye. Log dhai saal me lakh km ghissa dete h
@@rajlove3543bhai mujhe chahiye, kitne sell karoge Amaze?
Bachna ho to bolo@@rajlove3543
@@rajlove3543are you selling it ?
such an insightful video, I have saved it in my playlist for future reference. thank you so much Bhaven Sir for your noble work.
There nothing wrong if you take car loan, why wait 5-6 year, when you can only buy it now on emi, you get to experience of owning a car at an early age, plus you get to used your car for your daily used. I know people will talk about depreciation, car depreciation i know but if you maintain it well you can resell it at a good price. You get the car the experience and also the resell amount and also remember you live only once,But please calculate your income properly before taking emi make sure you can repay before due date. And last but not the least Aways have discipline in repayment the loan amount. Thankyou
He is talking about your second car 😊
ohh wow idk u can sip with swp work, till now ik do sip & stop sip & do SWP, WOW BOTH IS WORK TOGATHER NICE 👍👌
Best video come across...worth watching...next time I will use this formula😊
What about income tax sir ji
Mutual fund ka NAV jitna purana ho.. utna jyada value increase hota hai.
When u do SWP. It withdtows 1st Purchased NAV
Continue with the SIP and go ahead with a 3 year old used car and buy lots of financial freedom.
Wealth build ho jayega but jo car pasand hai wo kabhi bhi nahi apayega, kyunki us samay wo model purana ho jayega😂😂😂😂😂
Mm
Hi bro...
I am new to your channel, this concept looks very interesting but honestly I didn't understood this concept. Can you please make different video elaborating more
Nice thoughts, can we relate to home loan. Any suggestion you have?
how did you calculate Balance Year end Can you share the Excel Formula
5 saal baad sip na krke emi - sip = swp krte tab bhi usse jyada balance bach jata
Same thing I thought
Hello bro.. SWP pe tax ki kya calculation hai ? Tax deduct krke net kitna ayega wo bhi btana pls
Yes I agree with your point to invest mutual funds but which mutual fund should invest?
Is this the same method we can use in american bank or it is called something else sir.
Can we invest amount in Same sip MF funds while Doing SWP??
Yes
Plain rule in a financial txn is more the number of intermediaries higher is the cost. And the cost gets levied on each leg of txn. This mechanism to do 7-8 txn involving different intermediaries is trying to fend value for these intermediaries.
35 k emi ke liye 50k withraw karna parega kyoki swp pe 30% income tax bhi to bharna parega.
Isse nahi Samjhta ye
Yesss@@rupankimalviya4430
पहले जाकर इनकम टैक्स पढ़कर आओ
इनकम टैक्स एक फ्लैट रेट से नही लगता के निकाला 30 परसेंट और हो गया काम
और दूसरी बात यहां लॉन्ग टर्म कैपिटल gain टैक्स लगेगा
Tax left the chat.
Thanks for making such informative videos. So helpful ❤😊
Kya home loan par bhi SWP wala plan Kam aa sakta hai ?
6th year se SIP kaha hua? Wo to same paisa aaj hi gaya aur aaj hi withdraw hua. To is se acha to hai ki EMI aur SIP ke bich ka jo difference hai, utna hi SWP kiya jaaye 6th year se.
First in First out.
Jo unit pehle saal mein mila woh pehle redeem hoga.
@@Risheei us se kya fark padega. Pahle ke unit lower price par the the jyada unit redeem hoga.
But sawaal to ye hai ki extra paisa daal kar ke fir se ussi paise ko SWP karne se better to ye hai ki jo difference hai utna amount ya unit redeem karo. Yaha bhi First wala hi redeem hoga.
@@Anupkumar-hk1zr bhai saab. pehle ke unit ka price ab ke NAV se milega. Zyaada redeem nhi hoga.
@@Risheei Arre bhai sahab yaha nav aur unit se koi lena dena hai hi nahi. Aapko bank ko 35000 dena hai. Aap 22000 sip me daale, aur pahle se daale huye 22000 nikaale. Apne pocket se 13000 milaaye. Aur bank ko 35000 de diye. To sip ka fayada kaha mila.
Ek dam sehi keha, SIP ko ager aise withdraw kiya toh tax zayada pay karna padega
Total investment: 26 lacs
In-hand after 10 yrs: At 12% rate, A car (8.5 lacs value after depreciation) + 13.5 lacs in mutual funds
Let me know how is it a wise decision? 😂
2nd Option I have different Opinion
If you had 17 lakh Cash and instead of Buying direct car
1. Invest those 17 Lakhs in FD for 5 Year's and Take OD Of 95% Amount
2. Purchase Car On Overdraft Amount
3.Start Aggressive Balanced fund which gives atleast 15 % Returns 20,000 You will get 18 lakhs At the end Of 5 Year's
4. Only Pay Intest amount on OD which is also depends on our choice as necessary let us assume 3000 rupees per Month
( monthly liability 23,000) 20 sip +3 Interest on OD
5.Post 5 Years FD Will get matured @8 % You will get 25.3 lakhs
6 . Clear OD From Amount You Got From Mutual Funds ( 17 Lakh)
still person left with 25 lakh balance Of Fixed Deposit+ Car value 8 lakhs...
Means 33 Lakhs
What about long term capital gains tax of 10% on SWP? Nobody is talking about this
Its 12.5% now😅 No one will understand these things because majority people have limited knowledge .
Also if we have another corona wave, your car will be auctioned for half rate by bank officials
Gain of 1.25 lakh per year is free
Home loan emi swp se kare batwo
I have a quesiton. Why to invest after 5 years again in MF? Instead do the swp of remaining amount like 22K from salary and 13k from swp. In this way MF will grow at a higher rate because you are not withdrawing 35k you are just taking 13k*12 .
Car mt lo bhai paise important h paise kmao jab 1 cr kma lo tb 10 lkh ki car lelena
Bhai gaadi le, but second hand le, aacha sa dekh ke. Aur save bhi kar.. 😉
Haan shi bhai you can earn money but young age m gadi Lena alag chiz hai.
1 crore hote hote 10 lakh ki car 25 lakh ho jayegi. Life is all about everything
Jab tak CRore pe aanynge tab 10 lakh me auto bhi nai aayega
aaj se 10 saal pehle v swift 7 lakh me milti thi aaj v 7.5lkh me milti hai.. next 10-12 saal baad zyada se zyada 8.5lkh me miljayega. .@@vandematram7107
How should we buy a home for living by systematic
Tax deduction bhi to hoga sir
sir,if we pay the total amount which is invested in sip to buy a car & later if again invested in sip for 5 years,with no inflation considered,then he again get 17L for sip investment !!!,If as said in vedio he countinued to invest in sip for 10 year as car buy using swp,then he can only save 8L,i think 17L is greater than 8L🤔
Bhai EMI saal Mai ek bar hi Deni hoti hai kya
What about inflation??
You have not considered tax on sale of mutual fund. Pls consider the tax an then let us know how much will be left
10 % over 1 lakh is taxed
@@80sidd 15% will be tax. Whatever income earned 1 lakh is tax free rest is taxable 15% per year.
@@bsdksujoy1277 since when for LTCG? Please don’t give incorrect information
@@80sidd Did I mention STCG or LTCG. Anyone mentioned it is LTCG?. Think twice before you ask something..
@@bsdksujoy1277 ok 👍 no need to ask information is readily available
Finance coachji please also consider income tax in this brilliant idea, once you will consider income tax aapki strategy side me rah jayegi... Logo ki hard earn money ko tax me waste mat karwaiye
Wo hi toh khali uper uper se ye log gyaan de detective hain lekin tax or ye sab hide rakhege
Bhai iske badle sip stop krte 13000 withdrawal krte 35000 emi bhar deta to jyada amount Bach jata 😅
Thank You Dear Bhavinbhai good education video
Income tax file krne ke bad kitna bachega
Better delay your gratification and multiply your money in stocks , mutual fund. dont buy car (just to show off) before crossing 40 yrs, if your annual salary is near about the car price.
Specially in metro where you can get cabs at any time of day from anywhere
@@007_Sun_Tzu 💯
Luv from northeast bro konsi mutual safe aur achi interest rate deti hei any one?
Jay shree krishna ji sir muze eak house banana he or muze Lone Lena he 30 lakh ka to muze Kay karna hoga
Yr ek to 5yrs wait krna pad rha h uske baad bhi loan ??
Hi Sir, One doubt, Imagine i do set up 8% for ten years, I dont touch the SIP, but i also start paying for the car EMI out of my pocket. then at the end of 10 years what will be my Total SIP amount Minus the Car Emi paid
capital gains not in picture ?
Amazing Editing 👏
SWP can in ETF
Why continue the SIP and SWP? in same fund doesn't make sense.
How to calculate sip and swp together??
How to take loan with only paying intrest amount and taking all the amount to use it on other option such as buying stocks
Gold loan
Sir animation aap kaise karte hai
Please give the calculator link
Can you pls. Share this excel sheet..
Formula fix nahi ho raha.
What about capital gains tax? Who will take them into consideration?
To car aaj leni hai to 5 sal tak SIP karun? Life jiyun ya future ko stake pe daal dun
aj lo bhai car.. kal ka ghanta kuch ni pta... Ye SIP krwa krwa k sirf apne views bada rahe hai, Life excel pe ni experience se chalti h
35k monthly EMI 😂 this guys calculator is off
What about taxation?
Left chat 😂
I guess you should have mentioned a little on exit loads and taxation. Doesn't make sense for me to continue SIP investments do SWP and pay tax on the withdrawal amount and in the second case probably pay exit load.
Capital gain kaha gaya? Ye bhi to logo ko pata lagna chahiye. Income tax bhi to badiya wala dena padta hai
Bhai agar 13 lakh accumulated ko upfront use krlete toh kam emi aayegi bache huye ko sip kroge toh 8 lakh se zyada corpus hoga 😂
35000x 5yrs = 1,75,000/-
Itni hi toh amount gya h bs towards bank on vehicle loan
Tax calculation kaha hai?
This video is informative but
12.5% stcg is Missing in swp..
Also if we have another corona wave, your car will be auctioned for half rate by bank officials
stcg is missing and there are unwanted covid wave 👍
Puri calculation galat hai, and he call himself professional financial planner😂😂😂
i agree with You चुटिया बना रहा है साफ़ साफ़ 😂😂😂😂
Market correction me ye planning fail ho jaayega
Chacha swp ke liye pehle paise bhi daalne padte he
Down-payment money needed can't put all the profit amount in swp calculation somewhere wrong for buying car there need to be some adjustment
Hello sir,
Thank you for information,
I have on doubt I'm planning to buy a land, there is enough money to buy in cash but as it is new layout and it takes atleast 5year for houses to built there many of my well wisher are suggesting take some amount of loan (ROI-9%) so that in case of legal issue in later stage that would be much helpful.
So I was thinking keep half in SWP and use that money to pay my EMI Back again with 9% ROI also I'm getting good returns is this advisable or not. Kindly help me this.
Loan lekr car lene se aacha h full down payment krke bike lelo and for long trip ola uber rapido taxi use krlo
कहना आसान है
सिटी के अंदर तक कई बार राइड नही मिलती
और फिर ओला उबर से क्यों जाना लोकल ट्रैवल एजेंसी से या किसी से गाड़ी किराए पर ले लो
It is good for 20 Year's Home Loan as It will generates more money..
For 5 Year's it is less practical
Are bhai.... 10 year mein 2 times recession toh pacca aayenga.... uska effect nahi bataya
Best valuable knowledge ... But remove pig icone.
Income tax bhi include kiya tho poora video mast
Time value of short life is more important than time value of money. Live your dreams. Dont do money money too much.. kal ho na ho
Ek hi mutual fund scheme me SIP & SWP kar sakte hai????
Yes
Yes
Yes.mere 4 fund chalu hai bhai
@@gkeducation6631xirr Kitna hai
You are just confusing bro..at the end of 5 years instead of taking 17lakhs as loan...you can pay those 13lakhs as downpayment and take 4 lakhs as loan..then your emi will be 8,300 and you can continue remaining 13740(22040-8300) as sip and at the end of tenth year your car loan will be over and you will be left with 11-12 lakhs corpus
can u share this on excel sheet for us
Bhai 5 saal kaun jeeyega
Bhai Dil se salute
15000 SIP karein aur 34000 ki SWP IS SE BETTER TO 19000 withdraw karen 😄😄 par usase headline nahin banegi
Your chat calculation is wrong. ₹35,289 is montly emi. So you are paying ₹4,23,468 per year. Your chat shows only 2 lac of difference.
Bhai koyi devidend deta hai us share me lumsome invest karo devidend lelo emi baro
1300000 mai nayi gadi a jati hai bhai fir swp karke interest kyo pay kare 😢😅😂
In sab main widraw ka tax 10% lagta hain wo kon batayega 😂
Sir please explain the calculation
SAB SAMAJH SE BAHAR KI BAAT HAI DEAR
What about 20% tax
Thank You Sir
I've come to realize that the key to earning a million is saving up for smarter trades. I constantly remind myself that I don’t need that new Maserati or vacation right now. This mindset has helped me make more money through trading. For instance, last year I invested $58k in crypto and earned around $476k. But instead of spending it, I reinvested and traded again, and now I’m approaching a million
Short term and long term investment tax dekha, hath me kuch nahi ayega
car maintenance and insurance are excluded
Okay 👌👍 first time 😊🙏
best vedio
Kisko gaadi abhi chaiye woh 5 saal bd kyu lega bhaii
Very confusing video
8% का स्टेप अप फट्टे फाड़ देता है , मिडिल क्लास वालो के घर के बर्तन ना बिकवाओ सर जी।
This is totally wrong... for the 6th & 7th year the corpus amount should reduce & then eventually increase in the last years as the sip amount increases & the breakeven point will be 8th year wherein the negative differencial of sip & swp will be covered by the returns generated on the corpus accumulated until previous year.... Also, it would be better if you had clarified the audience that sip is done at the start of the month & swp is done at the end of the month... This will make a very minimal impact in the calculation though. Wish I had the option to attach excel file cause the working shown in the video is bullshit & totally wrong.
What about IT return??😂😂