With due apologies to Mr Pai, I have had very bad experience with financial advisors who all seem to have vested interests to increase their commissions, incentives and targets to the obvious detriment of your finances. The worst scoundrels are the bank relationship managers.
Yes. Choosing the right financial advisor is also important. Go for a SEBI Registered Investor Advisor. They are also called - Fee-only advisors. They will not have vested interests.
Sir..I am regularly watching your episodes. I am of the view that institutions, private or public should educate youngsters to watch, understand and benefit from these values. I think HR departments could send links so that at least 50% employees would listen and benefit. Please endeavour to tie up with HR departments of big organisations like Tatas/ Bajaj/ PSU and private sector banks etc All the best.
Portfolio may be very handy as you build and grow by retirement 25% (Gold + FD) 25% (Mutual Funds SIP) 25%(Real estate - own house + rental) 25%(Retirement fund) Should be accessible as needed with decent growth potential. Adding health insurance could help you sleep peacefully 😂
If you If you deposit FD for 10 years, the return will be double then fix deposit rate if you put at today’s 8% FD after 10 years, the return will be around 14.4% due to compounding
Really a very informative and well researched and a very useful video especially for someone like me who is on the verge of retirement. Thank you so much sir.
Please give a general idea how to plan a portfolio for retirement planning How to invest, in which funds,how much % in FD, how much % in SSCS, How much in Post, How much in Stocks How to plan a 2 crore portfolio
Really appreciate your representation,but can you suggest a blanket plan which we can follow and please send me the link for joining your channel. Thanks.
Thanks for the details and guidance. Can we have some guidance on type of investment options for those between age group is 45-55, staying in UAE or other gulf countries?
Many of us are waiting to exit their holdings in stock markets and real estate and dreaming of investing in longer duration fixed income instruments. Alas interest rates are waiting to take a drastic u turn after elections and this will diminish our planned monthly cash flows by 10-20-30%, God only knows Rbi!!
Dear Sir, To repay home loan early, it is advisable to make 1 or 2 EMI extra per year to principal amount... But instead of 1 EMI amount paying per year,can I pay that is equally small amounts per month to principal o/s amount? Will it make same impact? Pls assist
Do watch one of his past video on retirement income generation strategies. It talks about how to have a mix of different sources of income to fund your retirement cash flow.
@@NRIMoneyClinic If you look at rolling returns of Nifty 50 since 1999, average returns is15.37% with median of 13.3, but while discussing you were quoting much lower figures
Dear sir i tried to have retirement planning through you after watching many of your videos. I contacted you with the whats app number. Unfortunately what your people replied is they dont do any retirement planning. They only manage my assets through NRI money clinic. I was disappointed as it is contrary to your videos.
With due apologies to Mr Pai, I have had very bad experience with financial advisors who all seem to have vested interests to increase their commissions, incentives and targets to the obvious detriment of your finances.
The worst scoundrels are the bank relationship managers.
Yes. Choosing the right financial advisor is also important. Go for a SEBI Registered Investor Advisor. They are also called - Fee-only advisors. They will not have vested interests.
❤️
Valuable advice! Having a wife who is not financially literate can cost heavily.
Very well explained sir....with a beautiful ending ....the society needs such lesson ....
Thanks. You have covered the major points for Retirement Planning. God bless you and your team.
Sir..I am regularly watching your episodes. I am of the view that institutions, private or public should educate youngsters to watch, understand and benefit from these values. I think HR departments could send links so that at least 50% employees would listen and benefit.
Please endeavour to tie up with HR departments of big organisations like Tatas/ Bajaj/ PSU and private sector banks etc
All the best.
Portfolio may be very handy as you build and grow by retirement
25% (Gold + FD)
25% (Mutual Funds SIP)
25%(Real estate - own house + rental)
25%(Retirement fund)
Should be accessible as needed with decent growth potential.
Adding health insurance could help you sleep peacefully 😂
Like your delivery of message, very clear communicatiom
Really well articulated, I agree that not all that you have mentioned is a DIY
Gold rates are increasing and given handsome returns in past 50 years. Can you please prepare video on gold investment it's benefits & disadvantages?
Exactly !!!! Hoping for a clip on this !!
Good points ❤ Diversify Investment and avoid complexity. Keep simple life post retirement ❤
Your videos are very enlightening.
Please make a video on how to invest retirement lump sum amount so as to get a regular income.
If you If you deposit FD for 10 years, the return will be double then fix deposit rate if you put at today’s 8% FD after 10 years, the return will be around 14.4% due to compounding
Invest in some Index funds, some rental properties, land and some FDs for emergency cash. Keep your health is good shape..
Good words of real concern as always. Thank you sir ... Watching your videos will keep us in right track of financial planning...❤
Really a very informative and well researched and a very useful video especially for someone like me who is on the verge of retirement. Thank you so much sir.
As usual something to learn..❤❤❤ love it and liked too. Thank u for the lovely content❤
Please give a general idea how to plan a portfolio for retirement planning
How to invest, in which funds,how much % in FD, how much % in SSCS, How much in Post, How much in Stocks
How to plan a 2 crore portfolio
Very good suggestions. Thanks a lot.
Excellent advice. very realistic.
EXcellent explanation on retirement planning.
How much you charge for retirement planning
Great, please make a video to explain the mistakes age 45 to 55.
I am 43... save 3cr for retirement it would just be worth 30Lacks in 20 years...
Annuity is worthless option
What to do??
@@manojsuri007 I would differ.... Incase there is a war or nuclear bomb blast, expect 3cr to be 3L in 20 years... some exposure in gold is a must
Really appreciate your representation,but can you suggest a blanket plan which we can follow and please send me the link for joining your channel.
Thanks.
Thanks for the details and guidance. Can we have some guidance on type of investment options for those between age group is 45-55, staying in UAE or other gulf countries?
What is your opinion for NPS for 60 percent Lump sum amount it should be invested into NPS SWP
Excellent eye opener Sir. Keep it up
Excellent
Many of us are waiting to exit their holdings in stock markets and real estate and dreaming of investing in longer duration fixed income instruments. Alas interest rates are waiting to take a drastic u turn after elections and this will diminish our planned monthly cash flows by 10-20-30%, God only knows Rbi!!
Great advise. Please make a video or an expert interview on creation of trust for the needs of special need children
Do you have shortlisted partial real estate investments that are legally verified and ready for investment?
Dear Sir,
To repay home loan early, it is advisable to make 1 or 2 EMI extra per year to principal amount... But instead of 1 EMI amount paying per year,can I pay that is equally small amounts per month to principal o/s amount? Will it make same impact?
Pls assist
Thank you
Very good
Expense is inversely proportion to your age during most of post-retirement period, except in the domain of health.
Thank you Mr. Bhat as always!
For a. 60 year old with about 2 crores retired, how much to invest in fixed income and Mutual funds.
Sir, I have a health insurance from care for Rs 5 L for couple. Can I increase to 10 L now?
What is your fees..?
How much your advisors charge for giving advice
You send WhatsApp message on the number given in the video
I will appreciate if solution are given my age is 58 please suggest
Do watch one of his past video on retirement income generation strategies. It talks about how to have a mix of different sources of income to fund your retirement cash flow.
Please recheck Nifty rolling returns w.r.t. your analysis
Can you give me your calculation please . Let me have a look
@@NRIMoneyClinic If you look at rolling returns of Nifty 50 since 1999, average returns is15.37% with median of 13.3, but while discussing you were quoting much lower figures
You only give mistakes but what about solusion
Reverse of mistake is solution.
😂@@NRIMoneyClinic
Bakwas video. No concrete solution.
Solutions cannot be same for all. Be aware and think about the solutions for you.
Even if you don't like the content please don't give comments like Banwas It may be useful for someone Or let us take it only for educational purposes
Dear sir i tried to have retirement planning through you after watching many of your videos.
I contacted you with the whats app number. Unfortunately what your people replied is they dont do any retirement planning. They only manage my assets through NRI money clinic. I was disappointed as it is contrary to your videos.
Excellent