Consistent and smart investing is key to building wealth. Making informed investment decisions regularly can significantly increase your chances of reaching that million-dollar milestone.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
He is probably the first person I find on the internet talking positively about Real estate investment. Not saying which is good or bad but stating blunt facts.
There is good and bad in every Asset class, he is talking about what he has did, he is not saying Go and buy real estate, Even i believe in real estate, buying real estate is all about when do you enter, I mean at what price point do you purchase a property.
looks like "working in Qatar" gave him an edge. Working in Income Tax Free country makes significant difference . ( pls don't tell me i am not patriotic 🙂). Create wealth from such places and invest in India, create jobs and be part of India's growth...
You missed a point. Getting paid tax free in a country like Qatar, and he returned just before covid lockdown. Expense in lower denomination would have skyrocketed his disposable income.
@@rajatrajput5045 i am same, i dont have 4cr figure yet but good enough corpus, people like us simply dont feel unhappy or envy using cycles to commute, keeps me healthy and also saves time as i stay near office paying extra money (around 50K for 2bhk sharing) , time is more important for us as we can work on income sources (i run a blog for 4 years now that gives over 60-70K monthly now) F*uck cars anyways Simply different people at their core
I think cycle is good as it takes care of his health and also he can rent a car anytime as per his requirements. I also don't have any debt and i like touring on bicycle
His upbringing made him invest in real estate more than anything else. But he's a practical guy, who knows his risk appetite. Great interview. Keep bringing such guys on!
First important point # Tax free income from Qatar has played major important role here Second point# slow and steady appreciation in real estate. Equity market is more volatile, we always end up re-balancing our portfolio. Third point # Investment in commercial property gives good return in long run as compared to residential property. Fourth point # Check due diligence about build and land before buying property. Take benefit of the rates during pre-launch and enjoy appreciation later.
Learnt lot of lessons from this interview. Though I am primarily an equity investor I could relate with his point of view that one needs to make a lot of decisions frequently in equity as compared against real estate. Always need to be on your heels about what is happening worldwide. Liquidity can be both boon and curse - it’s most difficult devil to deal with in investing. 🤞
I’m a god of devaluation, I buy it and it goes down! Why I can't make earnings is beyond me. It can be annoying how volatile the market is. How can I ride this fresh wave of all-time highs without getting burned again with $450k set aside to get fully invested this year?
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Elise Robinson for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
This is a good slap on the face of people who claim that a job will never make you rich and business is the only way. Yes, his income boosted bcoz of Qatar but he got that opprtunity because he was good at his job.
The loan of the house was paid off by using the money received from the term insurance. Being a CA and a financial planner himself was this a rational decision? What happens to the future of his brother’s family? A lesson to learn and take into account.
@@rohitramchandani6165 Sad but the truth of life is we tend to miss out on these small details that causes huge problems later. He is really a great gentleman (now) that is taking care of his brother’s family. But exhausting the insurance amount does raise a question. We often tend to choose dependence instead of freedom. Today this insurance amount should have been invested properly to be able to take care of the living costs and future large expenses of his brother’s family. If debt on the house was an issue it could be fixed by moving onto an affordable property. On this Independence Day it is sad we still chose to be dependent on others where there can be an opportunity for financial freedom.
@@rohitramchandani6165Usually every home loan has Group life insurance provided by the lender at the expense of the borrower. Why did they not take that. That's the cheapest form of the TP and he should have come with better idea to settle his loan with his TP. Family conditions won't remain same for forever.
I kept my phone aside and listening and that crik sound during numbers I felt there is an insect in home. I just searched for it and realised it's in video after 5mins
I completely agree if you understand real estate it can do wonders….you can leverage and get the huge benefits….I bought one plot in Hyderabad 300 square yards worth of 8 lakhs in 2010 and now it’s above 1cr and now it is started growing because of government projects in surrounding…..i bought a plot in Lucknow worth of 25 lakhs in 2016 …one approval is pending if comes it comes it would be rise 1.75 cr otherwise it is merely double…..
Nice interview and my key learnings: a. Having a term insurance is important and it can ease financial burden b. if you do not have stomach for market volatility and if you are someone making decisions emotionally then stock market may not be good option for investments c. Do research on real estate and commercial properties can be good choice if you have a own roof d. Be humble and a cyclist (who is not good for an economy 😅) e. Take responsibility for you and your family and be the brave kid
@@GreenDriveIndia Tell him to think through before coming back. I returned from the UK in 2019 after a 3 year stint there. I repent of that decision everyday.
One thing that needs more clarity- his brothers insurance was invested on his lodha home so that makes the lodha home 50 percentage for his brothers family and 50 percentage for him. So if that property is 1.6 C, he owns 75-80L worth in that property. How come this point was not highlighted enuf in this interview?
The problem in real estate is that even the passive income in not a guaranteed. Tenants can stop paying and we will end up dealing with politicians and gundas or at a civil court.
Bhai ko Qatar ki salary India m reh ke mili h wo b tax free isliye sari growth hui h. India m 30LPA m 6LPA tax deta to fir multiple real estate investments ka soch b nahi paata
Hats off for taking care of entire family. Common story of FIRE in India. Either you work outside India or inherit money or inherit business or at least have Double income or Luck😅
Hi ...very nice planning by him..kindly please share about the taxation rate part of the rent that he is getting...whether that is also tax free or is part of ITR 2 that he files?also not much is told about whether the house is owned by him only or his brother also..as his brothers term life insurance was used to pay for reducing the loan...whether he will have to pay back the 50L to his brother in case he is claiming the property?
practical man , no car required paying a emi of 18000 in car plus 3000 in petro better take auto for whole family say 500 rs comes to max 15000 or take a scooty comes down to 5k emi plus 1200 petrol makes sense
Please analysis video for early retirement portfolio in india.with assets allocation? Dividend income? Rental income? Please analysis dabur vs hul vs tata consumer vs dmart? Which is best for portfolio as a FMCG share?
in one sentence - can someone calculate the XIRR of the real estate portfolio of the guest ? And then just compare with equity. Decision simplified . ain't it ?
Exactly, instead now the rent would have been able to bought equity. He is actually quite intelligent financially. as opposite to what interviewer is trying to direct.
I think working abroad gave him an edge because at that package if you have other responsibilities, it will be difficult. I think for real estate only makes sense when you can pay at least 40 percent of the amount as down payment as most of the interest is being taken in the early tenure of the loan. And for that down payment you need either to go outside India accumulate the corpus and come back or make money trading/business or whatever. Staying in India and earning that much will take some time. Please correct me if I am wrong.
.... currently I go on a bicycle to .... 🌷 thank you for bringing such real life stories of people moving from a -ve financial state to a positive, thriving financial one. I liked the honesty too when quizzed on "wouldn't equity / stocks give a better return" .... "in theory yes", emotionally no yes there is a human angle which must be taken into account
I don't understand why people say that ULIP gives lesser returns than FD. My ULIP plan is 6 years old now and I am getting about 10% CAGR. Do people have a misconception of it or don't they know to calculate?
How is EMI an expense! If he is staying in the house which he bought, he can count the rent foregone as his expense but an EMI is definitely not an expense.
Ideally, Rent saved is income, interest element in EMI is expense, net should be checked if the one who is evaluating intelligent, heshould factor inflation in his computation
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Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch if you don't mind
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
He is probably the first person I find on the internet talking positively about Real estate investment. Not saying which is good or bad but stating blunt facts.
Follow Sango life sutras , sango real estate, Amit Sangwan is the no. 1 guy who talks clearly about real estate benefits over mutual fund or stocks
There is good and bad in every Asset class, he is talking about what he has did, he is not saying Go and buy real estate, Even i believe in real estate, buying real estate is all about when do you enter, I mean at what price point do you purchase a property.
looks like "working in Qatar" gave him an edge. Working in Income Tax Free country makes significant difference . ( pls don't tell me i am not patriotic 🙂). Create wealth from such places and invest in India, create jobs and be part of India's growth...
True but if you plan investments early and wont fall in to unworthy investments.. you can achieve the same.
You missed a point. Getting paid tax free in a country like Qatar, and he returned just before covid lockdown. Expense in lower denomination would have skyrocketed his disposable income.
Qatar played a huge role, agreed. But I also think seeing that financial setback in 2019 really made him hunker down on saving aggressively
True
If u look for an excuse,u will aways find one..The intent is important
4 cr net worth and he doesn't own a car. Instead uses a bicycle to go to office. Bro is an example of smart and simplistic living.
What's the point of having 4CR worth if he can't even use a car happily
@@rajatrajput5045 leave it bro. That guy is conditioned by finance influencers while they themselves have luxury cars.
@@rajatrajput5045 i am same, i dont have 4cr figure yet but good enough corpus, people like us simply dont feel unhappy or envy using cycles to commute, keeps me healthy and also saves time as i stay near office paying extra money (around 50K for 2bhk sharing) , time is more important for us as we can work on income sources (i run a blog for 4 years now that gives over 60-70K monthly now)
F*uck cars anyways
Simply different people at their core
I think cycle is good as it takes care of his health and also he can rent a car anytime as per his requirements.
I also don't have any debt and i like touring on bicycle
@@wennwenn1422 exactly that's what my point is..
His clarity of thought comes through in this interview. He recognises his investing mistakes and knows what works for him and his behaviour pattern.
Finally real people are sharing knowledge, no more jargons
Good kid. Story in many Indian households. Someone naturally and silently took all the responsibility
RULE NO1
GET A JOB, or even u are self Employed
INVEST EARLY
Those are 2 rules. Getting a job early has a huge probability of having a lower starting salary especially in India.
Exactly... He is able to make real estate assets because his salary gives a strong base.
His upbringing made him invest in real estate more than anything else. But he's a practical guy, who knows his risk appetite. Great interview. Keep bringing such guys on!
First important point # Tax free income from Qatar has played major important role here
Second point# slow and steady appreciation in real estate. Equity market is more volatile, we always end up re-balancing our portfolio.
Third point # Investment in commercial property gives good return in long run as compared to residential property.
Fourth point # Check due diligence about build and land before buying property. Take benefit of the rates during pre-launch and enjoy appreciation later.
Learnt lot of lessons from this interview. Though I am primarily an equity investor I could relate with his point of view that one needs to make a lot of decisions frequently in equity as compared against real estate. Always need to be on your heels about what is happening worldwide. Liquidity can be both boon and curse - it’s most difficult devil to deal with in investing. 🤞
I’m a god of devaluation, I buy it and it goes down! Why I can't make earnings is beyond me. It can be annoying how volatile the market is. How can I ride this fresh wave of all-time highs without getting burned again with $450k set aside to get fully invested this year?
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Elise Robinson for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
Such an honest and calm guy! Love watching without skippng a sec.
Thanks for bringing such stories.
The guest has a very good clarity on what he is doing. Really appreciate him for sharing valuable learnings with us.
This is a good slap on the face of people who claim that a job will never make you rich and business is the only way. Yes, his income boosted bcoz of Qatar but he got that opprtunity because he was good at his job.
One of the best interviews in this channel.
He spoke his heart out when it came to the comparison of equity vs real estate.. totally agree with him!
The loan of the house was paid off by using the money received from the term insurance. Being a CA and a financial planner himself was this a rational decision? What happens to the future of his brother’s family? A lesson to learn and take into account.
Rational decision, he is supporting his brothers family, so getting rid of debt is first priority
@@rohitramchandani6165 Sad but the truth of life is we tend to miss out on these small details that causes huge problems later. He is really a great gentleman (now) that is taking care of his brother’s family. But exhausting the insurance amount does raise a question. We often tend to choose dependence instead of freedom. Today this insurance amount should have been invested properly to be able to take care of the living costs and future large expenses of his brother’s family. If debt on the house was an issue it could be fixed by moving onto an affordable property. On this Independence Day it is sad we still chose to be dependent on others where there can be an opportunity for financial freedom.
@@rohitramchandani6165Usually every home loan has Group life insurance provided by the lender at the expense of the borrower. Why did they not take that. That's the cheapest form of the TP
and he should have come with better idea to settle his loan with his TP. Family conditions won't remain same for forever.
His brothers part of debt.
@@CountingStars333 which he is now counting in his asset calculation for total wealth.
Bro took monopoly seriously
🤣😂
30 LPA CTC, sitting in a podcast ...me with 35 LPA CTC, scrolling reels and watching him.
qatar has no income tax
Me with 1.5 cr scrolling and replying to your comments, investment is a need for all don't worry. But all market looks very expensive
Me with 1.5 cr scrolling and replying to your comments, investment is a need for all don't worry. But all market looks very expensive
what do u do?
@@rohi1255 what do u do?
WONDERFUL STORY WITH AN ABSOLUTELY CORRECT MINDSET. ❤❤❤
I kept my phone aside and listening and that crik sound during numbers I felt there is an insect in home. I just searched for it and realised it's in video after 5mins
I completely agree if you understand real estate it can do wonders….you can leverage and get the huge benefits….I bought one plot in Hyderabad 300 square yards worth of 8 lakhs in 2010 and now it’s above 1cr and now it is started growing because of government projects in surrounding…..i bought a plot in Lucknow worth of 25 lakhs in 2016 …one approval is pending if comes it comes it would be rise 1.75 cr otherwise it is merely double…..
Nice interview and my key learnings:
a. Having a term insurance is important and it can ease financial burden
b. if you do not have stomach for market volatility and if you are someone making decisions emotionally then stock market may not be good option for investments
c. Do research on real estate and commercial properties can be good choice if you have a own roof
d. Be humble and a cyclist (who is not good for an economy 😅)
e. Take responsibility for you and your family and be the brave kid
Onsite se paisa bana hai. India me rehta to abhi tak ghis raha hota.
Better to go out and earn.
If possible, stay there only!!😮
Plus that "term plan" amount
my bro is living in US, once he earns enough he wanted to come back,
@@GreenDriveIndia Tell him to think through before coming back. I returned from the UK in 2019 after a 3 year stint there. I repent of that decision everyday.
@@tejastupewhy ?
@@tejastupe if you go now..u won't regret coming back.. too much instability in UK
I am becoming a fan of this channel. Real life stories from people who turned their life for good, are so inspiring and encouraging.
Relatable. Very well asked questions.
Dhiru Bhai. Truly inspirational. You have turned it around big time.
Haan yaar, Aaron Finch ne 4ra ke events ko aur bhi bright aur exciting bana diya hai, maza hi aa gaya
what a great story and massive kudos!
Smart and serious investor. Good story for inspiration.
Best videos ever, he is so down to earth and practical.
It was due to the Qatar hike that he got a good corpus in...well done bro !!!
Great.. Working in Qatar changed his life..
Super inspiring!
Nice to hear. I can relate to him as I also have similar types of investments & no car..
One thing that needs more clarity- his brothers insurance was invested on his lodha home so that makes the lodha home 50 percentage for his brothers family and 50 percentage for him. So if that property is 1.6 C, he owns 75-80L worth in that property. How come this point was not highlighted enuf in this interview?
Sahi kaha bhai 4ra pe jo live events hoti hai na, woh sabse best hote hai, full excitement
Yaar, 4RA pe Finch ke saath games khelte hue pura maza aata hai, bilkul alag level ka excitement
Great informative and valuable video thank you wint
Great ! keep sharing stories of such ordinary folks who make it big.
The problem in real estate is that even the passive income in not a guaranteed. Tenants can stop paying and we will end up dealing with politicians and gundas or at a civil court.
Make more video how he manages so many properties
Good learning, especially interms of the advantages of real estate, and about the commercial properties. Thanks
4RA ka community bhi bohot supportive hai, sab milke enjoy karte hai
Wonderful
Happy for you
And also learning experience
👏
Your videos are really inspiring❤
Bhai ko Qatar ki salary India m reh ke mili h wo b tax free isliye sari growth hui h. India m 30LPA m 6LPA tax deta to fir multiple real estate investments ka soch b nahi paata
Sane here ..tax terrorism killing so many plan for indians
Great content 🎉🎉🎉
Hats off for taking care of entire family. Common story of FIRE in India. Either you work outside India or inherit money or inherit business or at least have Double income or Luck😅
Finally other then from IT Field
TERM INSURANCE IS ALSO PLAYED IMPORTANT ROLE IN HIS BROTHER HOME LOAN CASE
It looks like he anyway was financially sound to buy properties
It was his brother's term insurance which helped the family to sail through at that time.
Yes, brother's term insurance+ working in Qatar. These 2 were the gamechangers@@manishasingh87
Great interview!
Hi ...very nice planning by him..kindly please share about the taxation rate part of the rent that he is getting...whether that is also tax free or is part of ITR 2 that he files?also not much is told about whether the house is owned by him only or his brother also..as his brothers term life insurance was used to pay for reducing the loan...whether he will have to pay back the 50L to his brother in case he is claiming the property?
practical man , no car required paying a emi of 18000 in car plus 3000 in petro better take auto for whole family say 500 rs comes to max 15000 or take a scooty comes down to 5k emi plus 1200 petrol makes sense
Wonderful Bro 🎉
Nice interview. Bro is simplicity ka Avatar.
It's all about your mindset , Best Interview ever.
Bhai Aaron Finch ke saath 4ra events aur bhi bright aur better ho gaye, real fun hai
Please analysis video for early retirement portfolio in india.with assets allocation? Dividend income? Rental income?
Please analysis dabur vs hul vs tata consumer vs dmart? Which is best for portfolio as a FMCG share?
30-40k monthly expenses in Mumbai with family, NOT POSSIBLE
Why did you skip the part where he was explaining the process selecting under construction projects with low risk?
great guy
That he is (:
@@WintWealthYT I have 3 CR asset value excluding ancestral. But cannot be this open due to current organisation clause.
in one sentence - can someone calculate the XIRR of the real estate portfolio of the guest ? And then just compare with equity. Decision simplified . ain't it ?
short story
he got lucky
long story : hes smart to make decison during pandemic
Bhai log, suna 4rabet ka ambassador Aaron Finch hai? Iska matlab 4RA ka quality aur bhi top level ho gaya hai
Best wishes bro.,...
4ra ke events hamesha se badiya hote the, ab Finch ke saath aur bhi dhamaka hai
At 9:44 why didn't you consider the rent he has been getting?
Exactly, instead now the rent would have been able to bought equity. He is actually quite intelligent financially. as opposite to what interviewer is trying to direct.
there is a gap between initial amount and possession, so rent won't be coming for some time though
❤👍Expecting more stories
80k emi passive income 76000 i dont think this is classified as fully successful passive Income
I think working abroad gave him an edge because at that package if you have other responsibilities, it will be difficult.
I think for real estate only makes sense when you can pay at least 40 percent of the amount as down payment as most of the interest is being taken in the early tenure of the loan. And for that down payment you need either to go outside India accumulate the corpus and come back or make money trading/business or whatever. Staying in India and earning that much will take some time.
Please correct me if I am wrong.
Nice episode guys keep the good work
.... currently I go on a bicycle to ....
🌷
thank you for bringing such real life stories of people moving from a -ve financial state to a positive, thriving financial one.
I liked the honesty too
when quizzed on "wouldn't equity / stocks give a better return"
.... "in theory yes", emotionally no
yes there is a human angle which must be taken into account
He is allowed to have his opinion on equity... wrong though it may be
4ra pe har event mein excitement hota hai, kabhi disappointment nahi hoti
I don't understand why people say that ULIP gives lesser returns than FD.
My ULIP plan is 6 years old now and I am getting about 10% CAGR. Do people have a misconception of it or don't they know to calculate?
nice one
What a guy
chawl house
vasis home buy 25 lakhs 2019- sell 40 lakhs
LODHA LUXIRIO majiwada 1.4 cr buy now price1.6 cr HOME 80 LAKHS
WAGLE ESATATE purhcase 70 lakhs-- now 1 CR --rent 50 rent
KALYAN SHOP purchase 43.7--now maket price 80 lakhs -26000 rent
KHARGAR purchase 95 lakhs current cost 1.35 cr -exptected rent 75000
passive income of 76000 rs later on 1.5 lakhs rent
5% GOLD
Double tap on this comment if you are debtless (no emi) like me.
I disliked your comment because debt is all I have.
4rabet pe Finch ka hona matlab pura assurance hai quality ka, ab har event special lagta hai
Save and invest early… enjoy the beautiful time
one thing i didnt understand he have 80 lakhs stocks and 2cr property purchase value with a jobbb... is he have some additioal income or father money
Qatar money
Bro 4rabet ka customer support bhi quick hai, kabhi bhi help mil jati hai
Life is so uncertain ... taking a huge home loan like that can be traumatic if something goes haywire.
he is really a source of inspiration
Bhai, 4rabet pe games aur events sab kuch amazing hota hai, hamesha expectations se zyada
Mileage is very low ,
I agree with it if its petrol model.
All good things happened due to 4lakh per month salary.
Aaron Finch ka naam hi kaafi hai quality aur reliability ke liye, 4rabet pe full enjoy kar rahe hain sab
Voice is like Harshad Mehta
..who all will agree , give a like ?
4RA ka ambassador itna bada sports star hai, ab toh aur bhi badiya experience milega games ka
How is EMI an expense! If he is staying in the house which he bought, he can count the rent foregone as his expense but an EMI is definitely not an expense.
Ideally, Rent saved is income, interest element in EMI is expense, net should be checked if the one who is evaluating intelligent, heshould factor inflation in his computation
there are 2 types of CA one who belives in the potential of stock market and the other who believes in the potential of real estate!!!
Working in qatar, 30k rent and around 50k in emi.. 3lacs investment? Where are the monthly 1.6 lacs went ??
Nice
Haan yaar, 4RA pe har event dekhne ka maza hi alag hai, expectations se zyada milta hai