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How to invest for our child's future: Simple tips
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- Опубліковано 5 бер 2019
- Here is how we can plan for our child's future. Calculate what our investments are worth today and how we can plan better.
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Thank you Sir. This is right on time. My daughter will start school this April and i was on lookout for a plan for her education. Your guidance is a definite help. I now know how to proceed!
Wow..... Timing could not have been any better... Child round the corner.... Already investing since 2012..... It feels great where investments are made early And right with discipline.... Thanks a lot Pattu Sir.... God bless you and your family...
Now a days lkg fee is almost equal to per year college fee for BE. I may need to start investing for lkg for my 9 month old kid 😀😂.
Thanks a lot Pattu for this video. I’ll surely tell my daughter to refer to all your videos when she grows up.
every day I make sure to see ur post to get newer perspective on investment.👍👍👍
home schooling is best
The best Video I have watched in UA-cam in a long time
This is Huge information sir !Thanks you so much for your valuable times.
Loved it when u said its unfair to let kids to take a loan for their education purpose. Neenga yagayoooo poitinga.. One another reason why i am your fan. Ungal pugal needodi vazga... God bless your family
Thank you
Fantastic advice
Very helpful professor. Thank you.
Thank you sir
Great video sir! Btw even I was thinking ICICI balanced advantage for the equity part for such a 9 year goal and you too said the same thing
sir i liked your video very much,so much pains did you take to explain the concept so clearly,but i wish to ask your choice of aggresive hybrid MF and any particular reasons to chose it rather then a mid cap or a multi cap,kindly throw some light on it,why to avoid aggressive equities and look out for hybrids,Also i wish to tell you tht i have icici pru balance advantage fund and icici equity n debt fund in my portfolio,shld.i stick with both of them or any particular choice?Also should i start a sip in any one of them..Thanks and sincere regards sir
fully agree and many thanks .its the right time for me. Last part was hilarious ...and so true for me ! Spouses !!
one question : regarding asset allocation : for a horizon of 16 years i want to offset the first 8 years to 100 % equity and then step wise reduce equity to 0 by investing manually in a debt /fixed income . is it possible and advisable? or shall i take 60:40 asset from day 1 even though i have some extra years.
For last 2-3 videos there is an problem with sound, sm continuous disturbance
Pattu sir always eye opener... And always rocking
i need to learn few basics on excel to add that formulas ,then only i can do it easily. any other option ?
I read somewhere that retirement is a more important goal than child's education. Sounds nasty, but it said u can get an educational loan, but no loan for retirement
That is the math not the emotions. Do you have kids?
@@pattufreefincal yes I do. That's what I said, sounds nasty. Just like they tell u on a flight, put ur own mask before putting it on a child.
Said by subra sir
Sir while finding out the current value why didn't you take the Present Value i.e. 1274501/(1.10)^8. Am I missing something here?
Yeah . The discounting he used doesn't seem to be right. It should be the way you told.
Sir, one thing still don't understand, how to handle admission and Annual charges for Nursery to Class XII, which are quite expensive now (more than lakh/year- Private school, if opt boarding- become much more). My question is - how to handle annual outflow during Nursery to Class XII?
It will have to be from salary or income!
@@pattufreefincal As you said on your book "You Can Be Rich Too : With Goal Based Investing"- Invest first- for SMART goals, remaining for expenses. Now if annual increment amount will added for these goal specific investment. From where i will get this amount (annual admission, school expenses etc) then .
If you dont then you will have to generate income
If time is 15 years why not PPF for debt?. Isnt it lot better than Rd/fd
Yes
Sukaniya simridhi vs ppf which best
Sir, let's say somebody had started investing 2 yrs back, with current market they will be in negative returns, in such case should we stick to equity to recover losses or is it wise to shift to safer FDs.
Very good question. I have shown earlier then inspite of poor returns, it is beter to stick to the asset allocation plan
sir, the noise is distracting. usually, i just keep playing your videos and work in another window in my office. that's how i found the audio noise distracting.
Hats off sir 😊😃
Nice sir
sir what about ppf ? instead of rd for fixed income . investing 6k per month?
Ppf has 15 years lock
Bank rd reminded me of one thing.. How safe is it invest in Bank rd's offered by small finance bank.. Yenga aathu pakathla there is one jana small finance bank and they offer 9 percent for 5 years... Podalama podapdatha?
Oru video pannunglen adha pathi
Do not invest. They offer loans to unsound businesses
sir give pros and cons on sukanya samridhi yojana
and yet another good video
thanks
see link in todays video
I have one multi cap and balanced fund for each of my kids like how u have for your son.. My children are 5 and 0...idea looks fine la?
That is the equity part. Debt?
@@pattufreefincal for debt i have ppf sir..
For a daughter child, Sukanya samriddhi account (SSA) can be considered as fixed income asset with a decent return of atleast 7% Percent..?
If you invest when can you redeem and how much?Is that enough?
50 % Partial withdrawal is possible for her education expenses.
Please use mice with ear phone rest is great
Thanks I have one, but that did not work so well.
First