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I was a stay at Home mom with no money in my IRA or any savings of my own,which was scary at 43 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 46 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Kathie. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.

Quite an interesting and insightful conversation

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Very insightful!! 👏👏👏👏

it is 33% (30+3% surcharge) tax saving for > 50 Lakh salary guys. NPS investment makes 49.25 % profit (100% captial money) if we compare it with Mutal fund (67% captial post 33% tax deduction). NPS performance is inline with Largecap MFs. If you are 40 year old with >50Lakh bracket. I feel, NPS make sense for you for your retirement plan.

Very good discussion..This will help for all the people's

💯% agreed. The conversation is extremely relevant in today's day and age

What is amazing is that while household PnL is so well taken care of by females it somehow is left to the guys to manage the macro part....this might be the biggest diversity agenda to be taken care of...

No use of the answer he is giving. Nothing figurative . Only uper uper ka gyan .

Walker Richard Robinson Michelle Thomas Larry

Don't you think in NPS, on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this problem ?

he's such an interesting person 😍

It was very unique and understandable

Jackson Ruth Garcia Brenda Thompson Eric

NPS is a market linked for it to be beneficial for the employees they have to contribute in it for 25 to 30 years minimum and average growth rate of india needs to be above 6 percent but the people who are getting pension under nps have worked for 15 years or so that is why they get very low pensions

Thanks explained in Marathi

The video is fantastic but except that beep noise while showing your intro logo! That hurts a lot while hearing it on headphones.

One major selling point should also be tax efficiency. Withdrawal of equity investments attracts so much capital gains taxes. As these taxes increase loans against MFs gets more attractive

Rightly said people are actually postponing their retirement when they postpone retirement corpus planning...they might have to work longer

Thank you

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I learned many things from this podcast thanks 👍

Its a trap some banks will impose FLAT RATE !!!! Be careful 😢

This is again a super knowledgeable session 🎉 The right investment and patience will yield a good result.

Really makes sense now. Don’t sell your investments. Rather take a loan and avoid churning your portfolio!!

Awesome Manish.

What this smug, cynical, entitled individual fails to understand is that FIRE makes people financially responsible and start working on it as early as possible. The workplace is a soul sucking place these days and the risk of job security is forever over your head. If you save,invest and plan carefully you can protect yourself from this. Once you are FI then working is optional and you are no longer at the mercy of a corporate job. This man should have been challenged by the interviewer when he says FIREis bs.

33168 Little Locks

Great insights, Soumitra! 👏

Great insights. My key takeaway is to go back and calculate my retirement corpus now.

NPS is a pure scam. You invest in NPS all your life and wait uptill the age of 60. Even after that age, govt doesn't allow you take out all your money which is wierd since it is your money and you have kept it with government for almost 25-40 years. They want you to buy annuity and which will help banks because they will get that money that you paid for and they can dictate the terms and give you your money in form of EMIs called pensions.

A candid conversation is always an eye opener..

Did not understand why FIRE is bullshit 😂😂😂😂

Only Gyan.. no real substance in any of the answers given.. he is full of himself.. crap

Very insightful 🎉

Super informative session 👍🏻

Insightful!

Awesome 👍

Very intresting, it's all about patience and timing and compounding is the reward

Well said Soumitra You look dashing too ❤

Rohan Hollow

535 Green Oval

Very clearly explained

Very good insights !!

Really appreciated the deep insights on retirement challenges in India and how the insurance sector can help bridge the gap. Loved the deep dive into the Indian insurance market.

Simple and easy to understand. The topic is well chosen as customers need to be aware of the red flags.

Love this!

Whenever the anchor is ending any word with 'i', it's sounding very badly, ofcourse because of mic issue. For example - Hi But one thing is to be admitted, this channel's choice of guests is commendable. I wish they could also bring some guests who can throw some light on NRI banking...

This makes so much sense! Explained very well

Really easy to understand for someone who has 0 knowledge of insurance and how to choose one.