Retirement planning for 40 thousand per month/ 50 लाख से 40 हजार महीना कैसे कमाएं?
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- Опубликовано: 8 сен 2024
- Most important part of retirement planning is calculation of monthly income. In this video Swati, b wealthy lets you know how can you get upto 40 thousand rupees per month with an investment of 50 lakh.
रिटायरमेंट के बाद मिले 50 लाख से 40 हजार महीना कैसे कमाएं? जानना है तो ये वीडियो देखें।
#retirement income planning
Music: www.bensound.com ्
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शुक्रिया, उन सभी का जिन्होंने ये वीडियो देख लिया है। उन लोगों को भी धन्यवाद जो ये वीडियो आगे देखेंगे। अभी तक के सभी कमेंट पढ़ें। बहुत खुशी होती है ये देखकर कि निवेशकों में जागरुकता बढ़ रही है। कई कमेंट में इन्फ्लेशन से लेकर कई तरह के सवाल है। सवाल एकदम सही है - बहुत सारे फैक्टर्स को ध्यान में रख का पोस्ट रिटायरमेंट निवेश की प्लानिंग करनी होती है। और हर निवेशक की निवेश स्टाइल, स्ट्रैटेजी, रिस्क लेने की क्षमता वगैरह सब अलग हो सकती है।इसलिए इस वीडियो में हम ये दावा नहीं कर रहें कि ये आईडियल पोर्टफोलियो है। हमारे पास लिमिटेड जानकारी आई- सवाल के रूप में, और हमने उस सवाल के जवाब के ज़रिए एक डायरेक्शन देने की कोशिश की है कि कैसे आप अलग-अलग इंस्ट्रूमेंट्स का सहारा लेकर अपने लक्ष्य तक पहुंच सकते हैं। आपको ये भी आइडिया मिलता है कि आपके लक्ष्य realistic है कि नहीं है। Stay Blessed, Healthy & B Wealthy
100% agreed 🙂
👍👍🌹🌹🙏🙏
GOD BLESS YOU ALWAYS MA'AM 🙏
सही है
Hello madam. If I were 60 years old retired person having 50 lacs savings in my account , I would deploy that in following ratio :
1 Rs 1000000 in crisil AAA rated corporate fd like Shri Ram finance which is currently offering 8.90 percent pre tax yield. But I would not lock this amount for more than one year to decide better option next year as per prevailing lending rates.
2. Rs 1500000 - In scss . purely for the sovereign guarantee , it carries.
3 Rs 2500000 - in two balance advantage hybrid funds and would do swp from that .
TBH, this corpus of Rs 5000000 would not survive for too long if equity exposure is not taken . So, if one likes it or not, equity exposure will have to be taken depending upon risk profile of an individual.
आपने रिटायरमेंट के बारे में बहुत अच्छे से बताया और इसकी तैयारी कर के रखना चाहिए👍👍
Thanks This vedio very useful for senior citizens investment ideas like me.
My investment is 80% in debt like scss ppf pmvvy ect.20% in MF. I m 64
Thank you for watching the video and commenting Suresh Jee. Stay Blessed, Healthy & B Wealthy
Recently I also invest in RBI Flexi cap bond
बहुत सुंदर वर्णन, जो भी retire होने जा रहे है उनके लिये बहुमूल्य जानकारी. बहुत कम लोग है जो सही तरीकेसे कैसे पैसे का इन्वेस्ट नही कर पाते.
आज मै retire होके ७ साल हो चुके है और मेरा इन्वेस्टमेंट SCSC और HDFC बैलेन्स advantages फंड (Dividend) monthly pay out में किया है और आज तक फंड ने धोखा नही दिया है और valuation भी maintained है. SWP idea खराब नही है लेकिन day by day principle amount और units भी कम होते जाते है. वैल्यूएशन मार्केट के बेसिस पर कभी भी कम हो सकता है चाहे सिस्टमैटिक्ली withdrawal हो या डिवीडेंड पे आउट हो. लेकिन professional फंड मैनेजर पूरी कोशिश करते है की फंड का performance अच्छा हो चाहे मार्केट कैसा भी हो और पैसे का churning कैसा हो वे बहुत अच्छे से जानते है. मैडम को फिरसे बधाई इस valuable video के लिये.
Thanks Swati madam. Now i am aged 58 years. This video is helping me a lot to plan my retirement after 60 years.god bless 👍👌
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Those who have pension, they don't have the problem of generating the corpus and it's investment. people in private sector who don't have pension, only suffer. This is the major gap. After hard working for many years in private sector, people do not have security of their retirement and always remain in worry.
1. SCSS - 1500000 - 9250
2.PMVVY- 1500000- 9250 3. Floating rate saving bonds - 2000000 - 11916. 4. SWP ( very good but very risky in volatile market &present condition I will avoid), so I would invest Rs 50 laks in SCSS, PMVVY & Floating rate saving bonds giving returns 30416 monthly & 50 lakh capital saved.
Bhai 40000 monthly he needs so baki ka balance amount koun dega onhe please understand the requirement first.
@@JaspreetSingh-kx5pc : We need to consider tax too before he gets something in hand.
@@ShilpS07 agree but we can consider that the investor understand the tax part as he is asking for 40K per month and not mentioned post tax he needs 40K
Bhai saab aap apne saving bank account me 'Auto sweep facility activate karva lijeye' aapko 8 % Tak byaj milega. Jo bhi monthly returns aate hai in 3 schemes hai jama karvate rahe saving bank account me 8% Tak byaj mil jayega.
@@vijayparmar3014 Auto Sweep is giving 5.1% interest not 8% (SBI).
Useful video. Same corpus(50 lac), age 35, same income(40k) every month. Plz one video more. Thnks God bless you
I have same corpus... same age... PLease suggest some idea
Madam instead of PMVVY ask him to invest in RBI flexi bond almost equal to PMVVY but with less Lock in period for senior citizen as well as chances for FD rates to be improved over years as RBI is likely to take measures to contain inflation there by increasing CRR and Repo rates.
SCSS and PMVVY are best, I hope the person is aware of all T&C. 3000000 invested in both.
Quarterly these 2 schemes give 55500, so 65000 is less for quarterly requirement of 120000.
Make 6 fd of 65000 with Tenure in months 3, 6, 9, 12, 15, 18. (390000 in total)
You will left with 1610000, invest these in Aggresive Hybrid fund (65/35 - equity/debt), remain invested for 18 months and thereafter fund will fulfill the requirement of 65000 quarterly.
1st 18 month taken care by SCSS + PMVVY + FD, thereafter SCSS + PMVVY + MF withdrawal
What are you talKing about SWP from Debit/equity fund after 18 months .Is there any specific cause or benifit of it.?
Mam I have invested 15 lacks in hdfc balanced advantage growth fund for swp.
After watching your previous videos. Thanku
HDFC Balanced advantage fund, SWP 10% annually (i.e., 10%/12 months). HDFC Balanced Advantage fund grows at 10+%
Maine money management me isse behtar channel nahi dekha aajtak
Perfect planning, i would have planned the same way
This is very good video on generating steady return from a conservative portfolio. This should not be confused with retirement planning (RP).
RP has to factor in post tax return, medical expense, inflation, family dependencies and lot of other factors.
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Aap bahut achhi ho aur main aapka fan hun
@@madanmohanpandit2500 mein bhi Aapka pañkha hun
Thank you ma'am for making this video. Really helpful as my father has retired recently.
Mam you are the best of all Indian advisor ❤️❤️❤️
Put 50 lakhs in HDFC balance advantage fund direct dividend option. At present nav rate you get 162000 units.
As of now they give 26 paise per unit.
So for 1.62lakhs unit you get 42000 per month approximately. Even during covid times they gave 23 paise per unit which lowest in last 8 years.
Avoid putting all eggs in single basket.. just a suggestion..
बहुत अच्छी जानकारी देती है
Nice Idea.. safety with good return opportunity..
All the debt instruments will attract full tax. It is not considered in your calcilution. SWP is the best option. You can put the entire amount in Arbitrage fund and then do the SIP to BA fund and then do SWP. This will give security against the market up and down and also give tax efficiency and increase then corpus.
You look gorgous and present beautifully. God bless you.
If the holder has been maintaining ppf account, it being EEE, can generate tax free returns every year, so it has to continue life long... Another option in non-equity is rbi bonds and SDLs..
I have started to invest money in NSC per month Rs1,05,000,prior to retirement of 5 years,Iam getting per month Rs 1,49,393…i am keeping Rs44393 as per month pension and Again reinvest Rs 1,05,000 in NSC per month... tension free retirement.I am suggesting above scheme to every person whom has no pension scheme...thanks mam for suggestions.
Absolutely true ur video...... since we are going market deflation period so swp is not so favourable, yes yes swp will be beneficial for after 1 yr
All your govt fund investments are good.
Balance amount can be invested in the Share "HUDCO ", a government share.On this share you can get dividend yield of around 6 %, but the appropriation of current price of 33 to more then rs 70 will be very bright.
There are many other with higher dividend
A Detailed and Extremely Educative Presentation As Always explained in an Extremely Erudite Manner. KUDOS...👍
Simple and straight ❤
SWP was a great option which is not known by most of persons.
Hello mam great strategies with safe investment after retirment most of the peole wants safe investment options .
मै भी आपके जादा तर व्हिडिओ देखती रहती हू और मेरी मा को भी दिखाती हू! मेरी मां 70 साल की है, जो रिटायर्ड टीचर है। हम दोनों मिलके व्हिडिओ पे चर्चा करते है, और मेरी मां के रिटायर्ड मेंट के पैसे मे से उसने यही इंतजाम करा है 2010 मे। उसकी सुझ बुझ की वजह से आज हम लोग आसान जिंदगी जी रहे है! आप का बहोत शुक्रिया की आप हमारी तरह औंर भी कई महिलाओं को साक्षर बना रही है! धन्यवाद।
Madam ji green dress aap ki baate jitani sunder hai utne hi aap bhi sabko gyan dete ho meko achchha lagata hai kyonki gyan jitana mile km hai ..aap se life me bahut kuch sikhne ko milta hai
...nice video no.1
Thank you Swati Ji. Explained in a very simple manner. I have been getting monthly income from Post Office MIS, Bank FDs, Bonds.
Now I am planning to invest around 30L in Balanced Advantage Fund, Equity Hybrid Fund and Index Fund for SWP or I will plan to withdraw whenever I need money and allow it to grow otherwise.
Hi Swati, just came across this video...it’s absolutely lovely to see after seeing ur your money years back....
God bless u
Namaste Rajeshwari jee. Happy to read your comment. Hope all is well at your end. Stay Blessed, Healthy and B Wealthy
@@BWealthy all ok.... the way u used to greet the the person on call , clarify experts advice for the person whose question was being answered..was simply Great... showed the important role & method of a very good host of such Q& A shows..
I am definitely the subscriber of this channel now👍👍👍👍
@@rajeshwarihemmadi3229 Thank you so much for the kind words. 🙏
Very good explanations with considering concepts in logical way. Thanks.
I would have invested that money in NPS Tier 2 account (highly secure for retired/ conservative investors) 50:50 allocation to Equity & Debt and this would have given him a secured return of about 10-11% per annum. With 40 k/month of SWP his initial investment of 50 lacs would have remain intact by the time he turns 70 years and the tax implication also would have been more favourable🙏
No guarantee for pension in NPS. Invest 50% conservative debt fund & equity fund.
Yes .. taaki government saare paise Adaani ke havaale kar sake 😅
@@nirmala4048nirmala ji u are right. NPS will be given to adani group.
Thanks for 2 examples
I would consider annuties as well. For guranteed income, those are necessary part of investments.
Parag parikh conservative hybrid fund me 25 lalkh and icici pru regular savings fund me 25 lakh dale. 3 sal tak kahi naukri kare kharsa nikake. After 3 yr do swp of 40k.. it will be ok.
You are right bro
How many years will it be
makinginvestingeasy.blogspot.com/2023/01/retirement-planning.html
Sahi, there is no thing as a retirement age if you can work keep doing it
Perfect….or do swp….do mid cap or small cap.
Very nicely explained. Thanks
In my view individually husband and wife both can go with the mis, pmvbj, scss so both can save more than 40 K
We break up amt in different product of swp for safety
However I am not an adviser, but in case that would be MY situation I will do following-
1- Will put 10 lakh :5 Lakh in blue chip mutual fund and 5 lakh in flexi cap for 5 years: with NO SWP, why is explained below😊
2: Remaining 30 lakh, willing to divide: 10 lakh each in: Equity Hybrid, Balance Advantage and Conservative Hybrid fund for A YEAR without SWP and after completion of a year will start SWP by 15k:15k:10k respectively: For 5 Years
3: After completion of 5 Years I will visit point# 1 (mine invested 10 lakhs) and will move whatever gained surplus corpus ABOVE 10 lakh to SWP funds as a refueling, in case required I can enhance the SWP amount in order to levelup inflection. Will keep doing the same in intervals of each 5 years/4 Years not before to that in whatever the case.
Note: I wil try to manage to wait for a year long before starting SWP for better and long lasting cash flow it's worth to wait, Where there's a will, there's a way
Will won't like to put a cent in fixed income as I see it other way around as biggest risky products fixed incomes are, as not giving even a chance to grow my capital. don't call it conservative as it is a biggest RISK one could take with their money: Taking out money with constant corpus.
Its my thoughts! What I do if got into same situation, don't follow it blindly as everyone could have different thought process.
Thanks,
You seem an engineer, perhaps
Excellent
For SWP if growth is not more than 12%than it will erode your saving also you cannot top up from point no1.
Are you having any other option
@@navalkumargurjar2711 Yes I am 😊!! I Wonder how come you get that??
@@acvsingh47 ji, From point no. 1 you can simply keep moving the gained amount to funds having SWP ON in form of lumpsum after each 5 years and going forward following likewise pattern...!!That I am referring to top up your funds where you have applied SWP
Hope I made it more clear now!
One very important aspect of the question is missing that is "for how long will he want monthly income of Rs 40,000/-" on investment of Rs50 Lakh.For any financial calculation time duration is the most important. It is because:(1) SrCSS is having a tenure of 5 years(expandable to 3 more years).(2)PMVVY for 10 years.(3)POMIS scheme for 5 years only.(4)Only the SWP from a MF is having no fixed tenure.The tenure solely depends on the rate of withdrawal (ideally @3.5%of the corpus to last it long).
Or rate of withdrawal should depends on tenure
yes, the number of years for monthly income is not considered here.
Thanks for the information Swati ji...I want to take some advice...how would that be possible
By investing in SWP your capital gets reduced. Other safe investments like SCCSS, PO MIS and PMVVY is OK.
Very nice and good Suggestion, Information and Advised.
My heartiest regards to Mr Harshvardhan Rungta.I have been immensely benefitted.
Thanks for sharing valuable information
He can creat 3 Basket. IN 1 st basket he can put the money of 1920000/- in debt fund and wirthdraw 40000/- per month for the next 4 years.in 2nd Basket he can put 1500000/- in balance advantage fund and in 3rd basket he can put 1500000/- in large cap equity fund and keep rebalancing every 4 years...
Yeda hey Kya tu. The person has a corpus of 50lakhs and u want the person to invest 1.9m. tu dega Kya baaki ka paisa. Chamaaeela
Kahan se aate hey ye log Kaun hai ye.
Lic jeevan akshay plan also gives returns along with if interested in equity direct buying ITC shares can give 3-4 rs dividend per share quarterly, pmvvy is attractive 👍good information
Nice plan and beauty with ineleganc
Excellent Ma'am All your videos are helpful & no cheating et all .
May be invest in GOI floating bond which gives a return of 7.15% /year without any investment limit in stead of MIS
Very very safe, Absolutely clear and straightforward approach. Thanks.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 44 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income.
Thanks to FIRE movement.
Who r u. How u achieved 24 cr mam. Plz tell
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Usme ek doosri spam commenter 'Kate burey' bhi hai. Dono ka account same day pe bana hai aise kaise ho skta hai, fake hai saley.
Yeah sab bakwas hai yeah angrejo ke spammer hai vo yahan thodi si Hindi google se translate karke and ek fake photo laga ke pagal banane ki koshish karte hai.
Thoda jagruk ho jao.
nice and crisp
Nice & b'ful presentation indeed..
Mam It is very important topic especially for senior citizens Thanks
Thank you for watching the video Dr Jain. Stay Blessed, Healthy & B Wealthy
@@BWealthy Pls make a video also in case of Non senior citizen with corpus about 20Lack and no job.Need 10-20k P.m. would be enough ,keeping in mind about protection of principal from inflation and Value too should increase.would b gr8full to You
I would invest 20% in psu shares like ptc pfc rec ioc nmdc , which have yield of 9 to 10% and growth in value slow but downward risk is minimum , with liquidity in case of need , along with your good suggestions
स्वाती जी आपका विडियो देखा बहुत अच्छा लगा .वाकई मे एकमुश्त 50 लाख लगा दे तो रिटायरमेंट के बाद अपनी जिंदगी आराम से जी लेगे From Bihar sitamarhi मेरा नाम दिनेश प्रसाद है। स्वाती जी मै भी invester हूँ Mutual fund मे.
Would have deployed 50% in FD 30% in MF and with 20% would have shorted strangles on Nifty for weekly income.
Hdfc balanced fund dividend option main invest karo annually 10% intrest means 50lakhs ka 5lakhs per annum milega
Please do an updated version of this question. How would you do it today, with scheme limits and interests changed?
🧐🧐🧐🧐,nicee वीडियो स्वाति जी🙂🙂👌🏻👌🏻🇮🇳🇮🇳🙏🏻🙏🏻🙏🏻
Wonderfully explained Madam. It will be extremely beneficial for the people who are retiring.
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Madam the investor's expectation is wrong. On a corpus of Rs.50 lacs he is expecting Rs.4,80,000 it works out to 9.60% p.a. He is also not taking in to account the inflation. The inflation is minimum 6% p.a. At best what you have suggested can be improved upon by investing in RBI flexible interest bonds instead of MIS as it is expected that interest rates will increase and he can earn more interest as compared to MIS. As regards SWP from balanced advantage fund it will be difficult to maintain the corpus with High withdrawal. In addition the risk of market correction and consolidation the corpus may exhaust at a faster pace.
Please it must be kept in your mind that open your PPF account before retirement invest 150000 every year it gives you triple E. Means Exempt in deposit, Exempt interest and Exempt in widrawal.Also gives you compound interest.
Great great video 👍
स्वातीजी आपबहुत सुन्दर हैं और जमा की जानकारी भी आपने बड़ी ही खूबसूरती से दी। धन्यवाद।
I do not find SWP very risky but you have to restrict your withdrawal within 0.8 % of investment . Usually MF is providing you around 12%, may be more but we should restrict our thinking to 12% only.
Nice video very useful
Swati ji, Namaskar, SCSS, MIS nd PMVY Schemes is very good. Lekin 11 lk MF mein invest kar ke 17000 ki SWP ( Per Month) jo ki lagbhag 18 se 19 Percent hota hai, esliye yeh very high risk investment plan. Thanks.
Sir I want to invest 10 or 15 lks for my retirement savings so where should I invest in where I will get sum good returns monthly wise. pls suggest asap.
Great to see you again madam .I am great fan of urs used yo see ur program on TV on regular basis .Always straight forward and clear cut guidline.
Very informative
Conservative approach will be the best as per my understanding,equity market with my little knowledge is very volatile and will be remain volatile because nothing is consistent in economy.Another way is not to get retired at any age ,Bhealthy with my soul & body all the time.
Conservative is bogus which only gives a strength of Feeling my money is safe.Actually one cannot imagine the power of share market until into it with controlled emotion of spending.Why dnt you try Good dividend paying companies in stock.Better than FD and value also increased through bonus ,buyback etc.
Thank you very much. Very nicely explained.
If you deploy 50L, you don't get 12 to 14% from the very first month. It takes some time. Existing investors who had been in the market for 5 to 7 years can move on to SWP without much risk. This would yield the benefits of the market and can withstand any market fall. For the discussed case, the conservative approach is fine.
U r god send for us the poor people . Thanks a lot
Very relevant and useful information.
started seeing video synically and liked it very much after full video. very simple straight forward practical investment plan. well done
Thanks for useful information.
.
Very well explained.....
safest option FD. Risky option - sell CE and PE of Nifty, buy hedges. Make sure your maximum loss is 40 - 50 thousand monthly and maximum profit would be around 80000 to 1 lac. winning accuracy is 80%.
What a solution Mam , great👍👍👍👍
It will be difficult to cope with the rising inflation and consequent fall in real value of money if the investor keeps consuming the interest from his entire capital. He should reinvest atleast 30% of his principal amount in some growth schemes like Canara Robeco Bluechip Equity Fund, this will help him to offset inflationary effect in future capital value. SCSS+PVVY+ yearly withdrawal option of a conservative hybrid fund or Balanced advantage fund are some good options to consider. But he should reinvest atleast 10-15 lakhs in a growth scheme to offset future inflation effects or to meet emergency expenses.
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Thanks swathi ji
There is nothing much to experiment here. For safe 40k your suggestions are more or less perfect. Though i will prefer to put 5l each fd in banks which give almost 7.5 p.a insteadvof postboffice. But remember this may b a challenge after few years because inflation rate is just not taken care of in this pirtfolio
Please bring Mr Saurabh Mukherjee once again. 🙏
Wonderful ❤❤❤
Grate good knowledge for retirement person retirement lokganka kafi problem ahe
My choice : Full amount invested in Axis blue-chip fund with SWP option.
I think @Anant Guru has best answer in comment section
Mutual funds are always subject to market risks hence not a good advice. Other interest attracts income tax @ 20% hence net income around 30000 only
Very good 👍
Very nicely explained. You look graceful and beautiful ❤️
Your videos are excellent🎉keep it up. May God give you happy and prosperous life.
I will invest in high dividend yield Public sector undertaking e.g. IOCL, Power finance Corporation, REC etc. Select 5 stocks. Your money will be safe, it will grow in line with information because stock like Indian Oil Corporation gives regular bonus shares also. Check dividend and bonus history of IOC
He should invest 50% of the corpus in fixed income instruments as discussed in the video & 50% in two balanced or hybrid funds of two AMCs.
Very nice information ty madam...👌👌
Thanks for this most important video. This will surely benefit a lot of people who are especially in senior citizen bracket.
Kindly throw some light on my portfolio for 25 years investment for retirement purpose -
1)hdfc index nifty 50 direct-2000
2) sbi magnum Midcap - 1500
3) sbi small cap 1000
I have nps tier 1 - contribution combined (myself + govt. Contribution) - 19000 per month
Lic- 1.5 lakh / annum
Ppf- 50 k / annum
🙏🙏🙏
5 lac per annum investment annually... Good going bro . What is your target retirement corpus... All the best..
@@ashishlh786 thanks.. M don't have a target but want a hassle free retired life.. Thats it.. I actually needed an advice from mam that whether my portfolio is right or shud i have to change it abit..
@@chakrapani5727 your age?
Excellent presentation.
Swati Ji, you can invest this amount in MFs, FDs, etc but I would recommend that it should be pledged and the margin you get from pledged instruments you should keep selling weekly extreme OTM options. This way you will earn 10 K weekly ( Extremely Conservative) or 40 K Monthly and you investment still remains Yours !!