Dividends makes you Richer. I’ve been diligently working, saving and contributing towards early retirement and financial freedom, but since covid outbreak, the economy so far has caused my portfolio to underperform, do I keep contributing to my 401k or look at alternative sectors to meet my goals??
Agreed, having a good financial advisor is invaluable, my portfolio is well-matched for every season of the market and has just yielded 120% from early last year. I and my advisor are working on a 7 figure ballpark goal, tho this could take another year.
@@kalpitparmar7236 , good you are thinking of investing in ur 30s.....that is not late actually...but early. But, first think of earning money, then invest
Hi im 22 n started investing rn also Being a beginner im quite nervous too since i have no experience in investing and also no employment for now except tuition.
@@YoYo-nt7yf don't invest heavily untill you get a secured job or stable income .... but yes invest little and learn continously (that's what I'm doing)... you will not be nervous about investing after 1 or 2 years I wish you good luck for your bright future :) ..don't stress out and you'll get through this very nicely
@@chhotu4205 wish the same to you But a question @Chhotu, it seems that the market keeps going down slowly will it perhaps affect mutual funds also? The risks and their return rates.
@@YoYo-nt7yf yes ofcourse ....mutual funds basically take your money and invest in stock market while applying their research ..so if market move up and down mutual funds also tend to up and down my suggestion - don't see market ups and down daily ....you should invest for the long term in better stocks and mutual funds...........market will always move up and down ..but in the long term we witness decent returns :)
You are so welcome, Nandan Banerjee. Certainly expecting you to breach the 10 crore mark within the next 20 year. As a platform which analyses lakhs and lakhs of transactions each month, I can assure you that many investors have been reaching this goal using the very techniques described in the video. Wishing you the best!
@@ETMONEY Hello sir , my question is 90% of the companies you mentioned at 3:12 min. of your video are achieved this historical target returns just now after 2nd Corona wave... Am I saying Correct ? Do Correct me if I am saying wrong...
Just reached 40 yrs milestone this month.. The video makes so much sense and gives a clear path for financial planning. Very well explained by the presenter!
The only useful video about investments I watched in recent times. There are many videos which does touch base on MF/Stocks/Compounding but none really goes in-depth with an achievable plan or a target for x years, especially for people who are above 30 or 40. Good job.
Thank you very much. Content should be actionable .. it's how we would go about accumulating 10 crores, so we thought 'why not have everyone construct their plans on similar lines'. Glad you liked it
Good post sir! I am 43 now and due to personal and professional reasons I couldnt save any money till last year. As my runway is shorter, targeting a lesser sum of 1 Crore. I am sure I would achieve this, rest assured! Please keep posting your ideas!
I just saw you for the first time in this video and I am really so much impressed by your speech and the way you explain. So simple easy to understand yet so precise. Hats off to you bro.
What wonderful Vedio Sankar!!! I have shared it with so many of friends and relatives and my staff, and asked them all to watch this at least twice immediately along with their spouse and children, and then once in a month for the next few months. Great shot!
Thank you very much, Tissy Joseph. We certainly hope it helps everyone see the light .. at the end of the day, it's about breaking a big task into smaller & visible goals.
Except that it's stressful and may distract many from their education😂 as a 30 yr woman, I have successfully completed the "lumpsum" route shown in the first half of the video and it was a bit stressful 😊
Excellent work sir.... I am in my 30s and get to learn a lot related to investment options watching your videos... Keep this up and let us learn more and more... Thanks a lot...
And yes, this is the video kind of THE best in category for specific this common question in the crowd and so far in the youtube too. The best thing is presenting the facts and delivering it in a very pleasant way.
Sir, when ever i see a new video posted by you.. it gives a new HIGH :) But, it gives me a dissatisfaction of why i havent started investing in my early 20's. But, its never too late. Thanks for educating people :)
So nice of you. Thank you for your kind words, Venkata Ramana. Well, we are happy the question came from a 40 year old .. so there is some hope for people in their 40s (me included) to become a nine-digiter by retirement age
Been a while since I have sat through an investment discussion straight to the end. Quite Lucid and informative. Very well made content. And, for those a bit skeptical, its all true and achievable.
Thank you so much ET money and god for showing this video. Im turning 40 in next 2 days and will get 10 lakhs in a week. Thanks for showing the plan to achieve 10Cr which will help me to comfortably retire by 50.
dont you think there is a huge calculation mistake present in the vid. he is telling about 26% annual return and showing the equation of 126% return totally fake brain washing.
I have been considering going into trading and securities investment and i heard now is the best time to engage with the market . can you recommend a good and trusted expert trader.
Sir, the entire video is very informative and to the point. The explanation with the aptly supported data added value and clarity to the theme. I invest in Parag Parikh Flexi cap found which has a CAGR of ~22% for a period of Five years. As the longevity is improved, even this video is very useful when for the people in 50s to create a Corpus. Thank you so much for your effort, sir. Appreciate it. 👍👍👍
Highly informative video especially the last few points. We generally don't consider the abnormalities in market cycle in our overall returns, hence for a long term investor if a huge market crash occurs during let's say the final 5 years of investing, it going to put a significant dent on overall returns.Hence we need to financially plan 5-6 years ahead of retirement.
What a superb video! Thanks a lot, sir I have one topic suggestion, Ramesh Damani in his interviews has time and again said that if you invest Rs 10 lakh in business which grow at 18% ROI, you will be able to reach a Rs 100 crore in a span of 30 years, all you need is 10 doubles It will be great if you can make a video on this topic and convey is it even practically doable!
Thanks for your kind words. That's what we said in this video. 10 lakhs * (1.26)^10 = 1 crore 10 lakhs * (1.26)^20 = 10 crores 10 lakhs * (1.26)^30 = 100 crore I am not sure where 18% comes from. Per math, it should be 26% per annum
Hai bro this video is very useful for me as of my age is 35 and please advise which type of fund I need choose for the next 10 years of investment in SIP process
Thanks. Check out Genius on the ET Money app. It is designed to give investors high risk-adjusted returns using a combination of index funds. The back-tested performance and volatility numbers are also given on the app. So instead of choosing a single scheme, you can invest in a portfolio which does a lot more.
Absolutely amazing. One of the best educational videos. Keep ur good work going. Many of my friends have subscribed already. We appreciate your work and awaiting more such videos with great content. I request you to do some videos on debt mutual funds and how to choose. Thank you
Thank you so much for your continued patronage and your appreciation. We have a couple of explainer videos on debt funds, maybe that helps. Part 1 : ruclips.net/video/0I68yyBwcno/видео.html Part 2 : ruclips.net/video/1BTke9iLuYg/видео.html
In my case, my dad wants to create a corpus for me🤣 and I teach him mutual funds everyday. I am also invested , but not at his level. Started early. Thanks to such videos 😃
Thanks for the video. I was looking investing for same time frame and target with SIP. And this video made my thought process clear as every point with exact calculation is mentioned. And non of the youtube channel covers such detail calculative method to do the execution. Thank you Sir. 👍
Wonderful video Sir. Sir, I would like to know whether investing in ULIPs simultaneously would be beneficial? As an avg return % of 10, with premium of 1.5 lakh/yr x 15 yrs would yield a corpus of abt 52-53 lakhs. What is your opinion regarding the same.. Regards
One of the most useful videos I have come across. Also, the number are close match to mine.. really helpful. Seems a good FIRE number of 3 Cr also takes more than 10 years is the sad part as we cant expect 12% all time. 😊
one thing I am surprised is that, people are thinking about 10cr for retirement. I never thought that way. to me I belived that 1or 2 Cr is enough(Even this is also difficult for most people). Anyway I am also increasing my target to 10 Cr( in 30 years of time). Thanks to ET money.
thank you so much i have already started investing through ET MONEY...and i sure will follow this calculations and achieve this goal, also i will help my son to do this early...
Thanks for great information. Please tell me If I am investing in PPF and NPS on monthly basis, is it still required to invest in debt mutual fund for diversification or I can put rest of my investments in equity fund? I am already investing 15,000 per month in both and I can invest 30,000 per month additional.
Dear Team, Great video but Can something be done for a person who are in their 30's with an average salary 40-50k/month for the next 20 years...? Asking this as not everyone earns more than 1-1.5 lakhs/month.... So can something be suggested for aam aadmi who wants to achieve something on the similar lines .?
Hello madam, I am sanjay and I have invested in following funds through SIP- Axis bluechip fund- rs 2000 monthly, Axis midcap fund- rs 5000 monthly, Aditya birla gennext fund- rs 2000 monthly, Aditya birla flexicap fund- rs 2000 monthly, Sbi focused equity fund- rs 1000 monthly, Sundaram large & midcap fund- rs 1000 monthly, Miirae asset emerging bluechip fund- rs 3500 monthly, Franklin india us opportunities fund- rs 1500 monthly, Parag parikh flexi cap fund - rs 1000 monthly, Now i want to re balance my portfolio, please suggest whether i should exit from any of my existing fund or whether i should shift from any of my existing fund to any other fund...please guide...
Salute to you and guidance on how to plan investments. I learned a lot from your videos. Thanks a ton sir.. You are doing a fantastic job for all of us...
Good Video.. Even I am 42 years now, and investing 30000 per month in equity shares with fundamentally strong companies, will it not create a corpus 10 crores. Reviewing them every 3 months is my responsibility to switch accordingly if needed.
Thanks. You can input your cash inflow in the calculator we have given a link of in the description of the video. That way one can know how likely one can reach 10 crores in 20 years
Can we get more details on what types of investment instruments?...it was only about how much cagr required and different combinations but what about names of those instruments?... equity was discussed on aggressive approach but it's not certain due to market volatility...what are the other options than this?
Hi, Iam from chennai (Age-36).. found ur video very interesting with practical examples.. I have a doubt.. Actually Im an engineer, but till now I haven't started any savings.. And I have zero knowledge about Mutual funds, SIP and NIFTY.. I can invest around 15K/month for another 20yrs.. Suggest me a best plan where i can get maximum gain from my investments.. Like what u have shown in this video... Since i have zero knowledge about SIP and mutual funds, I need some best advice.. Also one more thing is, apart from monthly investment I can invest around 10lacs for now this year only.. how can i invest this 10lac now and get maximum gain after 10 or 15 years..
Hello Ahamed Sheriff. Per our experience, investing often grows on a person and there are behavioural and tactical parts to it other than just seeking a plan. Infact, it is recommended that you donot use some standard plan of action and have something that suits your goals and risk profile. Since you are very new to investing .. it is recommended that either you avail the services of a financial advisor for 1 or 2 years .. or dedicate yourself to learning about mutual funds, SIPs etc. Today a lot of people are choosing the DIY approach and also make small mistakes which acts as a learning experience and a base for better investing in the future. Our RUclips channel here is a great starting point in your investing journey and you can ETMoney app or etmoney.com for investing in mutual funds
Awesomeeeeeee....made my calculations using excel file...... 5 lacs as initial investment 2 lacs yearly investment for 20 yrs and 20,000 SIP makes 8 cr at CAGR of 16% One more help please.... Could you please make a video on how to finalize MF house to invest and when to stop and shift from non performing MF house. I am not able to put it in exact words but like shares, if one share is not performing for certain period we may shift from it to other based on fundamental and technical analysis. Is there a way to apply this strategy for MF investments as well.
I am being a little late to the race; I am 44 years old. Due to my lack of knowledge, I discontinued my monthly SIP (back in 2008) investment of ₹2,000 after five years (invested in the Aditya Birla fund) as I didn’t see significant growth in my total amount. Now, I regret that decision every day. My current goal is to accumulate ₹6 crore for my retirement. Could you please guide me on how to start this investment journey?
ET Money and Shankar: Another fabulous video. I have been stopped from sharing these videos anymore in my groups as they said all of them have now subscribed. Great Job. Just to let you know, most of the folks don't know much on Direct vs Regular in mutual funds. I had to specifically explain and still it was not bought into much because they do not get their consolidated portfolio at a single place. That was till I heard you say that you only deal with Direct. So now I have started sending them to your app.
Thank you for your patronage, Jaikrishnan. And thanks for sharing the videos with your groups, we hope everyone is liking our content. With regards to the confusion on direct and regular funds, might I suggest you share this video (ruclips.net/video/0g_7nlmEBxk/видео.html) with those seeking that information. It will really benefit them. Thx again
Wonderful video, thanks Sankar. The excel calculator is very useful, where lump sum and SIP can be calculated. One request, currently it’s fixed for 20 yrs.. can we able to change the yrs? Thanks
Really great video ETMoney...worth every suggestion...most interesting part is Person's presentation, which is wonderful...Thnq Have a big question here, as the Best MutualFunds keeps changing every 5year, How can we choose the best one for 17-20years or do we need to change the MF every 5yrs based on performance? Also any suggestion on which type is best for 20yrs? (Multi or Large or Flexi)? Thank you
Amazing content 🙌... Really appreciate your teams efforts to solve a common mans problem👏👏. I can imagine the efforts put in by ET Money to come with these options.. Sharing that excel calculator is just another level.. You guys are seriously helping India on financial education, which is very much needed after a situation like COVID ..
Hello Sir, I am sanjay and below is my portfolio, where I have invested through SIP- Axis bluechip fund- rs 2000 monthly, Axis midcap fund- rs 5000 monthly, Aditya birla gennext fund- rs 2000 monthly, Aditya birla flexicap fund- rs 2000 monthly, Sbi focused equity fund- rs 1000 monthly, Sundaram large & midcap fund- rs 1000 monthly, Miirae asset emerging bluechip fund- rs 3500 monthly, Franklin india us opportunities fund- rs 1500 monthly, Parag parikh flexi cap fund - rs 1000 monthly, Now i want to re balance my portfolio, please suggest whether i should exit from any of my existing fund or whether i should shift from any of my existing fund to any other fund...please guide...
Please consider the expense ratio in the SIP calculator of ET money. People will see only the maturity amount and not the figure after deducting expense ratio
Hello. When the mutual funds says they have made 15% returns, expense ratio is already deducted. This is the number AMCs, AMFI, ET Money publish. If expense ratio were allowed in the SIP calculator, then expenses will be double-counted. Did you have a different understanding on this?
I am totally agree with you that we can make money in long term. The long we stay in the market probability of negative returns reduced. But one thing I do not understand at the age of 60 what you will do by having 10 Cr in you bank account. You can not enjoy with that money because age does not permit you. You have to be choosy to enjoy. It would be better If I could have 10 Cr by the age of 50 at least I would have 10 years to enjoy.
Your videos are without a doubt, the most suitable for novice/beginner investors. You explain everything so succinctly. As someone who also started relatively late, i would advise people to have a SIP/Lumpsum in at least one Index fund and also to allocate a small portion of your portfolio in to cryptocurrencies. It would be irresponsible for a modern investor to ignore bitcoin etc - for the long term.
Hello Sir, Your advices matters a lot. My portfolio only has Parag Parikh Flexi Cap Fund - Direct Plan with 5000 SIP started last month. Please suggest onemore MF for me. THANK YOU
Hi. Kindly check out investment ideas on the ETMONEY app for a curated list of top ranked mutual funds. You can pick the ones that reflects your risk and return expectations. Thanks!
Yes. We figured a lot of financial goal plans miss out on this essential part. We even incorporated that in the excel calculator whose link is available in the description of this video.
Shankar Sir... your videos are most informative and practical with excel sheet and templates you share. Thanks for sharing and enhancing my knowledge. I would like to know if you suggest Cryptocurrency/bitcoin as an investment for a 30-40 yr old person...if yes, pls suggest reliable platform and Cryptocurrency.
Thank you Debashish Roy. We don't know much on cryptocurrency esp. how it is valued and hence have kept away from it. Once we acquire some info on it, we'll present it with a data-rich and actionable video.
I'm 19 currently and I'm planning to make my first crore within the timeline of 10yrs through mutual funds. I'm here seeking what alternate or effective efficient way I can reach my goal?
Very Good Content, thanks for sharing the wisdom. My Question is, is it wise to invest lumpsum in equities? As a general thumbrule the recommendation I get from financial experts is to take only the SIP route for equities and lumpsum only for debt funds. Please advice.
I think Lumpsum would work perfect when the markets are down or if you don't want to time the market then simply divide your lumpsum corpus into15 to 20 pieces and invest just like SIP. Remember to stretch this SIP for 2 years ,incase if the markets are at high valuations(just like you have lumpsum in july august 2021 where markets were at all time high) 2 years would be enough to give you a decent valuation at an average.
Im 22 and started to invest in mutual fund...Rn I dont have any employment but I just invest in a less risk investment in SBI mf with large cap even though it may give small returns. But since this is my first time so I need more experience.
Good knowledge video is shared and for past few months I am analyzing the options of investment. Since I am in 40-45 bracket. With few liabilities it is really challenging to finalize.
Dear sir thank u for ur valuable information. Please make video for making 80 laks - 1cr in 10 year by using excellent calculation chart.which help for middle class people
at 2.07 ...you are showing interest rate as 12% ....but while speaking its 26%.....needs to be corrected.....its 26% over 20 years will give you 10cr not at 12%
Nice video. But i don't understand the concept of compounding in mutual funds. Since it is directly linked market performance, the returns can swing in any direction - from negative to positive. Can we really rely on the compounding concept which is used in the illustrations in this video?
Very nice video Sir with clear presentation. Regarding lumpsum investment i wish to invest 10 Lakhs now for a 20 year tenure. Can you please suggest 2 to 3 best mutual funds for doing lumpsum to diversify and invest the 10L? Also is this good time in the market to do lumpsum now? Can you please advise? Thanks.
Thank you very much. On the ETMONEY app, we have presented rankings and ratings of most schemes, that can be a good starting point in identifying the right mutual funds.
@@ETMONEY Wekcome, sure Sir will check in your app. Is it wise to invest the 10L in single fund or split it into 2 or 3 funds? Also is this right time to do lumpsum in the current market condition? Please advise as I am a beginner in Mutual fund investments. Thanks.
SIPs can be started via the ETMONEY app which gives you an option of investing in all popular mutual fund schemes. Further the app gives you scheme rankings, automatically tracks your portfolio on a daily basis and also provides essentials like capital gain statement, insurance services, free credit scores and much more.
Pretty sure real estate can give you way higher returns than this over 25 years. Consider that a 5lakh 30x40 site in the city in the year 2000 is now selling for 2cr minimum. That's 40x the investment. And there are no fluctuations like in stock market where if anything goes wrong, your portfolio can be down by 10-20% in a bad year and if that happens to be the year you'd need the money then you're screwed.
Very helpful video for those who started investing late in their 30s. I'm one of them,sir. The initial lumpsum amount does it attract income tax. Becos, we would saved the amount after paying tax but just becos we are investing lumpsum should not attract tax again. Awaiting your reply. Thanks
Thank you. If you are referring to mutual funds, then profits made on them irrespective of investing in lumpsum or SIP mode will attract taxes. Please search on the Internet for the latest tax reckoner for more clarity on taxation, that would help
@@ETMONEY 1st place, would thank you for the promt reply. My concern is becos we are investing lumpsum, that lumpsum amount- will it be taxed at the time of investing, if it is above 10L. If our investment crosses 10L limit in a financial year, what would be the issue with respect to this. Becos, already we would have paid tds and all taxes for the earned money. Again it shd not be taxed, becos we are investing in stocks or mutual funds. Plz clarify. It would be a great help.
Amazing videos with stats & detailed insights....please keep up this kind of video as most others only speak more without much of the data from the last 10-15% which is very helpful here.
Thanks. Please use the calculator link (www.etmoney.com/tools-and-calculators/sip-calculator) and input the details there. As discussed in the video, one can use lumpsum, SIP and a combination of both. Afterall, there are only three variables that need tweaking - 1. initial & recurring capital, 2. annual returns and 3. time
Can you guys also make a video on why is there such a huge difference between SIP & Lumpsum returns also ? For example 12000 SIP per month for 10 years gives 27 lakhs , but 1450000 Lumpsum gives 58 lakhs at the end of 10 years . Why such a huge difference?
That's because one measures lumpsum from x0 to y0 (x being the day of investment and y being the day of reaching target). The SIP schedule is different with x0, x1, x2, x3 ... while the output is measured at y0. This will become clearer in a video we are releasing this week on SIP v Lumpsum
Hello Sir, worth to know if this 15 or 30yrs, will we be sticking to same MUTUAL funds? or Can we change in between to a better fund? let's say yearly or biyearly changing a fund ? will that still help in compounding or it breakes the chain and overall target growth?
@@ETMONEY I hope you didn't get my question. Can we stop any of the SIP/ funds in between, if not performing well and start a new SIP with same amount in thse long duration of 20 or 30yrs ? Or we should simply start 5 funds SIP and cont till 20yrs ?
exellent way of explanation. i am impressed. can you pls guide me in which company to invest. i can put an initial amount of 3000000 and need 10 crores
Thank you, much appreciated! We don't have an equity research advisory practice that recommends particular stocks. However we have an intelligent service named Genius which uses asset allocation & rebalancing to improves one's investing odds. Check out the details at www.etmoney.com and for a detailed video, please watch (and read comments on) ruclips.net/video/PhD1vmDxCOA/видео.html
Dividends makes you Richer. I’ve been diligently working, saving and contributing towards early retirement and financial freedom, but since covid outbreak, the economy so far has caused my portfolio to underperform, do I keep contributing to my 401k or look at alternative sectors to meet my goals??
Agreed, having a good financial advisor is invaluable, my portfolio is well-matched
for every season of the market and has just yielded 120% from early last year. I and my
advisor are working on a 7 figure ballpark goal, tho this could take another year.
Her name is. 'NICOLE ANASTASIA PLUMLEE’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Everyone talking about how to start investing in 20's but this is the video im waiting for ,,for those u started a bit late, like me
U look like in 20's though
@@pkpradeep9747 , he is 21....that is why he says he is a bit late
Kalpit, yeah a bit late....u are 21 no?
@@vishwasgaikwad1414 30 Sir,,
@@kalpitparmar7236 , good you are thinking of investing in ur 30s.....that is not late actually...but early. But, first think of earning money, then invest
I'm 20 ..and I'm learning and investing as much as i can
Wish me luck for my Goal ❤️
Hi im 22 n started investing rn also
Being a beginner im quite nervous too since i have no experience in investing and also no employment for now except tuition.
@@YoYo-nt7yf don't invest heavily untill you get a secured job or stable income .... but yes invest little and learn continously (that's what I'm doing)...
you will not be nervous about investing after 1 or 2 years
I wish you good luck for your bright future :) ..don't stress out and you'll get through this very nicely
@@chhotu4205 wish the same to you
But a question @Chhotu, it seems that the market keeps going down slowly will it perhaps affect mutual funds also?
The risks and their return rates.
@@YoYo-nt7yf yes ofcourse ....mutual funds basically take your money and invest in stock market while applying their research ..so if market move up and down mutual funds also tend to up and down
my suggestion - don't see market ups and down daily ....you should invest for the long term in better stocks and mutual funds...........market will always move up and down ..but in the long term we witness decent returns :)
I, being exactly 40, thought this video was made especially for me... Thanks for the wonderful insights... It will help a lot of people like me...
You are so welcome, Nandan Banerjee. Certainly expecting you to breach the 10 crore mark within the next 20 year. As a platform which analyses lakhs and lakhs of transactions each month, I can assure you that many investors have been reaching this goal using the very techniques described in the video. Wishing you the best!
Very good.
@@ETMONEY Hello sir , my question is 90% of the companies you mentioned at 3:12 min. of your video are achieved this historical target returns just now after 2nd Corona wave...
Am I saying Correct ? Do Correct me if I am saying wrong...
@@yashkhandake7258 The period under consideration is from June 2001 to May 2021
@@ETMONEY Can you suggest me Good SIP plan for minimum 30yrs investment... I can take risk for fruitful returns...
One time loan from parents "can be quite a discussion" ... I like that 😎
Haha .. don't say that the money is for investing in equities
@@ETMONEY झझ
@@ETMONEY 3:05 The list of Funds which are performing morethan 20% as per it's 20 years Annualised Returns 😍
The way he speaks, he is master at subject. So confident.
Thanks!
Just reached 40 yrs milestone this month.. The video makes so much sense and gives a clear path for financial planning. Very well explained by the presenter!
Happy birthday!
Hi sir
What's your corpus size right now?
I have just shared it to all my close friends. This video can be master guide for middle class ppl who really want to do some good money in long term.
Thanks for sharing!!
The only useful video about investments I watched in recent times. There are many videos which does touch base on MF/Stocks/Compounding but none really goes in-depth with an achievable plan or a target for x years, especially for people who are above 30 or 40. Good job.
Thank you very much. Content should be actionable .. it's how we would go about accumulating 10 crores, so we thought 'why not have everyone construct their plans on similar lines'. Glad you liked it
Good post sir! I am 43 now and due to personal and professional reasons I couldnt save any money till last year. As my runway is shorter, targeting a lesser sum of 1 Crore. I am sure I would achieve this, rest assured! Please keep posting your ideas!
Wishing you the very best!
Clear concise video with no outlandish targets,fancy terms..this maybe the best video on financial planning
Thank you for your appreciation. Happy to know that you found this useful.
This post is so nice, I watched it twice and thrice with my family to make them understand the magic of compounding.
That's great, Varun Singh.
I just saw you for the first time in this video and I am really so much impressed by your speech and the way you explain. So simple easy to understand yet so precise. Hats off to you bro.
Thank you for the kind words, Yatin Shah
What wonderful Vedio Sankar!!! I have shared it with so many of friends and relatives and my staff, and asked them all to watch this at least twice immediately along with their spouse and children, and then once in a month for the next few months. Great shot!
Thank you very much, Tissy Joseph. We certainly hope it helps everyone see the light .. at the end of the day, it's about breaking a big task into smaller & visible goals.
Every young boy between the age of 16 to 30 years should must watch this programme. Excellent, explained in a very simple way.
Boom! Glad you liked it.
Except that it's stressful and may distract many from their education😂 as a 30 yr woman, I have successfully completed the "lumpsum" route shown in the first half of the video and it was a bit stressful 😊
I am 17
Excellent work sir.... I am in my 30s and get to learn a lot related to investment options watching your videos... Keep this up and let us learn more and more... Thanks a lot...
Most welcome. Glad to be a part of your financial journey
And yes, this is the video kind of THE best in category for specific this common question in the crowd and so far in the youtube too. The best thing is presenting the facts and delivering it in a very pleasant way.
Thank you!
Easily the best video, I see in You tube and easily one of the BEST, if not the BEST speaker/ Presenter!
Thank you very much. Appreciate that! Will certainly share this comment with everyone in the team
Sir, when ever i see a new video posted by you.. it gives a new HIGH :) But, it gives me a dissatisfaction of why i havent started investing in my early 20's. But, its never too late. Thanks for educating people :)
So nice of you. Thank you for your kind words, Venkata Ramana. Well, we are happy the question came from a 40 year old .. so there is some hope for people in their 40s (me included) to become a nine-digiter by retirement age
Presenter is very knowledgeable and chooses his words carefully. 😇😇❤️
No doubt, ET money has the best analysis of personal finances out here.
I have watched many videos on compounding from renowned financial advisor and must say yours is the best and most thorough.
Thank you for your appreciation
Been a while since I have sat through an investment discussion straight to the end. Quite Lucid and informative. Very well made content. And, for those a bit skeptical, its all true and achievable.
Thanks, glad to hear that.
Thank you so much ET money and god for showing this video. Im turning 40 in next 2 days and will get 10 lakhs in a week. Thanks for showing the plan to achieve 10Cr which will help me to comfortably retire by 50.
dont you think there is a huge calculation mistake present in the vid. he is telling about 26% annual return and showing the equation of 126% return totally fake brain washing.
Thanks once again for this great educative video . i have been looking forward to get acquainted with stock and crypto make but it seems so impossible
I have been considering going into trading and securities investment and i heard now is the best time to engage with the market . can you recommend a good and trusted expert trader.
Sir, the entire video is very informative and to the point. The explanation with the aptly supported data added value and clarity to the theme.
I invest in Parag Parikh Flexi cap found which has a CAGR of ~22% for a period of Five years.
As the longevity is improved, even this video is very useful when for the people in 50s to create a Corpus.
Thank you so much for your effort, sir. Appreciate it. 👍👍👍
Most welcome, Thejasvi Vondivillu. Thanks for sharing your experience
Highly informative video especially the last few points. We generally don't consider the abnormalities in market cycle in our overall returns, hence for a long term investor if a huge market crash occurs during let's say the final 5 years of investing, it going to put a significant dent on overall returns.Hence we need to financially plan 5-6 years ahead of retirement.
I am 21 Years. Investing in sip 5 K every month (Min,) and 13 Lakhs lump sum for the next 30 Years
What a superb video!
Thanks a lot, sir
I have one topic suggestion,
Ramesh Damani in his interviews has time and again said that if you invest Rs 10 lakh in business which grow at 18% ROI, you will be able to reach a Rs 100 crore in a span of 30 years, all you need is 10 doubles
It will be great if you can make a video on this topic and convey is it even practically doable!
Thanks for your kind words.
That's what we said in this video.
10 lakhs * (1.26)^10 = 1 crore
10 lakhs * (1.26)^20 = 10 crores
10 lakhs * (1.26)^30 = 100 crore
I am not sure where 18% comes from. Per math, it should be 26% per annum
Thank you, I will look it in :)
Really good insights & a lot of effort must have gone behind designing the calculation. Great work Team 🎉
Thanks a ton. Yes, the creation of a 15-minute video takes us 4-4.5 man days of effort (research, script, recording and post-production)
Exceptional video, practical approach with agility and flexible options.. great presentation by Shankar sir... Hats off 👏
Thank you very much Vipul Karde. Yes ofcourse, a plan should be as simple and clear as possible. The complications start when there is overthinking
Love how the description is so detailed....as people can read -through the important points!
Thank you
One of the best videos by ET Money. Thank you. 🙏🏼
Our pleasure! Thanks. Pls try it out .. we know that with a combination of these techniques, it is possible to reach 10 crores in 20 years.
This is a great piece to refer to. I have shared it with my closest folks for to become millionaire buddies in the next 20 years :))
Thanks for the appreciation
Liked it even before watching it. That's the faith I've on this channel content
Thanks Aditya Maram
Hai bro this video is very useful for me as of my age is 35 and please advise which type of fund I need choose for the next 10 years of investment in SIP process
Thanks. Check out Genius on the ET Money app. It is designed to give investors high risk-adjusted returns using a combination of index funds. The back-tested performance and volatility numbers are also given on the app. So instead of choosing a single scheme, you can invest in a portfolio which does a lot more.
Very clear and crisp way of explaining the investment math with different combinations. Found this video very useful.
Great to hear! Thanks Vishal Lokare
Absolutely amazing. One of the best educational videos. Keep ur good work going. Many of my friends have subscribed already. We appreciate your work and awaiting more such videos with great content. I request you to do some videos on debt mutual funds and how to choose. Thank you
Thank you so much for your continued patronage and your appreciation. We have a couple of explainer videos on debt funds, maybe that helps.
Part 1 : ruclips.net/video/0I68yyBwcno/видео.html
Part 2 : ruclips.net/video/1BTke9iLuYg/видео.html
In my case, my dad wants to create a corpus for me🤣 and I teach him mutual funds everyday. I am also invested , but not at his level. Started early. Thanks to such videos 😃
Wishing you the very best. And thanks for your appreciation
Sir You are one of my Mentor. You explain in such Subtle way.
Thanks for the video. I was looking investing for same time frame and target with SIP. And this video made my thought process clear as every point with exact calculation is mentioned. And non of the youtube channel covers such detail calculative method to do the execution. Thank you Sir. 👍
Glad it was helpful! Thank you for your kind appreciation
Wonderful video Sir.
Sir, I would like to know whether investing in ULIPs simultaneously would be beneficial? As an avg return % of 10, with premium of 1.5 lakh/yr x 15 yrs would yield a corpus of abt 52-53 lakhs. What is your opinion regarding the same..
Regards
Please check out the video on ULIPs on ETMONEY
One of the most useful videos I have come across. Also, the number are close match to mine.. really helpful.
Seems a good FIRE number of 3 Cr also takes more than 10 years is the sad part as we cant expect 12% all time. 😊
one thing I am surprised is that, people are thinking about 10cr for retirement. I never thought that way. to me I belived that 1or 2 Cr is enough(Even this is also difficult for most people). Anyway I am also increasing my target to 10 Cr( in 30 years of time). Thanks to ET money.
Glad to see the upgrade in financial goal
Always keep your goal step away, atleast you will try - either you fail or you win. In the former case you will reach 1-2Cr target :)
One of the best videos! Thank you, this is what i was looking for
I feel all his videos are BEST as always..
thank you so much i have already started investing through ET MONEY...and i sure will follow this calculations and achieve this goal, also i will help my son to do this early...
Thanks for your patronage. Wishing you the very best with your financial journey
Thanks for great information. Please tell me If I am investing in PPF and NPS on monthly basis, is it still required to invest in debt mutual fund for diversification or I can put rest of my investments in equity fund? I am already investing 15,000 per month in both and I can invest 30,000 per month additional.
Dear Team,
Great video but Can something be done for a person who are in their 30's with an average salary 40-50k/month for the next 20 years...? Asking this as not everyone earns more than 1-1.5 lakhs/month.... So can something be suggested for aam aadmi who wants to achieve something on the similar lines .?
Hello madam, I am sanjay and I have invested in following funds through SIP-
Axis bluechip fund- rs 2000 monthly,
Axis midcap fund- rs 5000 monthly,
Aditya birla gennext fund- rs 2000 monthly,
Aditya birla flexicap fund- rs 2000 monthly,
Sbi focused equity fund- rs 1000 monthly,
Sundaram large & midcap fund- rs 1000 monthly,
Miirae asset emerging bluechip fund- rs 3500 monthly,
Franklin india us opportunities fund- rs 1500 monthly,
Parag parikh flexi cap fund - rs 1000 monthly,
Now i want to re balance my portfolio, please suggest whether i should exit from any of my existing fund or whether i should shift from any of my existing fund to any other fund...please guide...
Salute to you and guidance on how to plan investments. I learned a lot from your videos. Thanks a ton sir..
You are doing a fantastic job for all of us...
It's our pleasure. Thank you for the appreciation
I find these videos full of knowledge, though people sometimes are sole bread earner which makes it quite hard to start, but delay isn’t the enemy
Good Video.. Even I am 42 years now, and investing 30000 per month in equity shares with fundamentally strong companies, will it not create a corpus 10 crores. Reviewing them every 3 months is my responsibility to switch accordingly if needed.
Thanks. You can input your cash inflow in the calculator we have given a link of in the description of the video. That way one can know how likely one can reach 10 crores in 20 years
Excellent really good guidelines for people above 40-45 with really good options. Thanks a lot
Glad it was helpful!
Can we get more details on what types of investment instruments?...it was only about how much cagr required and different combinations but what about names of those instruments?... equity was discussed on aggressive approach but it's not certain due to market volatility...what are the other options than this?
Excellent video. Much impressed with the data and the way of presentation.
Subscribed and liked in first few mins. Great work. !
Welcome aboard! And thanks for your appreciation
Hi, Iam from chennai (Age-36).. found ur video very interesting with practical examples.. I have a doubt.. Actually Im an engineer, but till now I haven't started any savings.. And I have zero knowledge about Mutual funds, SIP and NIFTY.. I can invest around 15K/month for another 20yrs.. Suggest me a best plan where i can get maximum gain from my investments.. Like what u have shown in this video... Since i have zero knowledge about SIP and mutual funds, I need some best advice.. Also one more thing is, apart from monthly investment I can invest around 10lacs for now this year only.. how can i invest this 10lac now and get maximum gain after 10 or 15 years..
Hello Ahamed Sheriff. Per our experience, investing often grows on a person and there are behavioural and tactical parts to it other than just seeking a plan. Infact, it is recommended that you donot use some standard plan of action and have something that suits your goals and risk profile. Since you are very new to investing .. it is recommended that either you avail the services of a financial advisor for 1 or 2 years .. or dedicate yourself to learning about mutual funds, SIPs etc. Today a lot of people are choosing the DIY approach and also make small mistakes which acts as a learning experience and a base for better investing in the future. Our RUclips channel here is a great starting point in your investing journey and you can ETMoney app or etmoney.com for investing in mutual funds
Must watch for all 30s, Thank you ET Team for making this video
Our pleasure! Thanks for the kind words
In all these calculators there should be an option of adding initial/current investment value as a variable.....
Brilliant presentation by Shankar ! very meticulous discussion which others overlook.
Thank you, Anant Kumar Lal.
Awesomeeeeeee....made my calculations using excel file...... 5 lacs as initial investment 2 lacs yearly investment for 20 yrs and 20,000 SIP makes 8 cr at CAGR of 16%
One more help please....
Could you please make a video on how to finalize MF house to invest and when to stop and shift from non performing MF house.
I am not able to put it in exact words but like shares, if one share is not performing for certain period we may shift from it to other based on fundamental and technical analysis.
Is there a way to apply this strategy for MF investments as well.
I am being a little late to the race; I am 44 years old. Due to my lack of knowledge, I discontinued my monthly SIP (back in 2008) investment of ₹2,000 after five years (invested in the Aditya Birla fund) as I didn’t see significant growth in my total amount. Now, I regret that decision every day. My current goal is to accumulate ₹6 crore for my retirement. Could you please guide me on how to start this investment journey?
ET Money and Shankar: Another fabulous video. I have been stopped from sharing these videos anymore in my groups as they said all of them have now subscribed. Great Job.
Just to let you know, most of the folks don't know much on Direct vs Regular in mutual funds. I had to specifically explain and still it was not bought into much because they do not get their consolidated portfolio at a single place. That was till I heard you say that you only deal with Direct.
So now I have started sending them to your app.
Thank you for your patronage, Jaikrishnan. And thanks for sharing the videos with your groups, we hope everyone is liking our content.
With regards to the confusion on direct and regular funds, might I suggest you share this video (ruclips.net/video/0g_7nlmEBxk/видео.html) with those seeking that information. It will really benefit them. Thx again
Wonderful video, thanks Sankar. The excel calculator is very useful, where lump sum and SIP can be calculated. One request, currently it’s fixed for 20 yrs.. can we able to change the yrs? Thanks
Thank you.
Really great video ETMoney...worth every suggestion...most interesting part is Person's presentation, which is wonderful...Thnq
Have a big question here, as the Best MutualFunds keeps changing every 5year, How can we choose the best one for 17-20years or do we need to change the MF every 5yrs based on performance?
Also any suggestion on which type is best for 20yrs? (Multi or Large or Flexi)? Thank you
Amazing content 🙌... Really appreciate your teams efforts to solve a common mans problem👏👏. I can imagine the efforts put in by ET Money to come with these options.. Sharing that excel calculator is just another level.. You guys are seriously helping India on financial education, which is very much needed after a situation like COVID ..
Thank you very much. Glad that our content is helping you & others with their financial journey
Hey Lakshmi what's the password to open the calculator
@@ETMONEYþþt
Hello Sir, I am sanjay and below is my portfolio, where I have invested through SIP-
Axis bluechip fund- rs 2000 monthly,
Axis midcap fund- rs 5000 monthly,
Aditya birla gennext fund- rs 2000 monthly,
Aditya birla flexicap fund- rs 2000 monthly,
Sbi focused equity fund- rs 1000 monthly,
Sundaram large & midcap fund- rs 1000 monthly,
Miirae asset emerging bluechip fund- rs 3500 monthly,
Franklin india us opportunities fund- rs 1500 monthly,
Parag parikh flexi cap fund - rs 1000 monthly,
Now i want to re balance my portfolio, please suggest whether i should exit from any of my existing fund or whether i should shift from any of my existing fund to any other fund...please guide...
Please consider the expense ratio in the SIP calculator of ET money. People will see only the maturity amount and not the figure after deducting expense ratio
Hello. When the mutual funds says they have made 15% returns, expense ratio is already deducted. This is the number AMCs, AMFI, ET Money publish. If expense ratio were allowed in the SIP calculator, then expenses will be double-counted. Did you have a different understanding on this?
I am totally agree with you that we can make money in long term. The long we stay in the market probability of negative returns reduced. But one thing I do not understand at the age of 60 what you will do by having 10 Cr in you bank account. You can not enjoy with that money because age does not permit you. You have to be choosy to enjoy. It would be better If I could have 10 Cr by the age of 50 at least I would have 10 years to enjoy.
Your videos are without a doubt, the most suitable for novice/beginner investors. You explain everything so succinctly. As someone who also started relatively late, i would advise people to have a SIP/Lumpsum in at least one Index fund and also to allocate a small portion of your portfolio in to cryptocurrencies. It would be irresponsible for a modern investor to ignore bitcoin etc - for the long term.
Hello Sir,
Your advices matters a lot.
My portfolio only has Parag Parikh Flexi Cap Fund - Direct Plan with 5000 SIP started last month. Please suggest onemore MF for me. THANK YOU
Hi. Kindly check out investment ideas on the ETMONEY app for a curated list of top ranked mutual funds. You can pick the ones that reflects your risk and return expectations. Thanks!
Thats an excellent video, covering various methods to reach our dream corpus!
Glad you liked it! Thanks
You made us pause the video several times .. that's awesome 👌...thanks for the wonderful video
Thank you
The suggestion to gradually liquidate equity investment when approaching target year makes lot of sense.
Yes. We figured a lot of financial goal plans miss out on this essential part. We even incorporated that in the excel calculator whose link is available in the description of this video.
On a return of 12%, why are we using 1.26^²⁰? I thought it would be 1.12^²⁰
Ahh okay. He did say 26%, looks like the editor screwed up lol
@@ETMONEY Infact, this is most important in the investment plan. May be content for another video.
Shankar Sir... your videos are most informative and practical with excel sheet and templates you share. Thanks for sharing and enhancing my knowledge.
I would like to know if you suggest Cryptocurrency/bitcoin as an investment for a 30-40 yr old person...if yes, pls suggest reliable platform and Cryptocurrency.
Thank you Debashish Roy. We don't know much on cryptocurrency esp. how it is valued and hence have kept away from it. Once we acquire some info on it, we'll present it with a data-rich and actionable video.
I'm 19 currently and I'm planning to make my first crore within the timeline of 10yrs through mutual funds. I'm here seeking what alternate or effective efficient way I can reach my goal?
Very Good Content, thanks for sharing the wisdom. My Question is, is it wise to invest lumpsum in equities? As a general thumbrule the recommendation I get from financial experts is to take only the SIP route for equities and lumpsum only for debt funds. Please advice.
I think Lumpsum would work perfect when the markets are down or if you don't want to time the market then simply divide your lumpsum corpus into15 to 20 pieces and invest just like SIP. Remember to stretch this SIP for 2 years ,incase if the markets are at high valuations(just like you have lumpsum in july august 2021 where markets were at all time high) 2 years would be enough to give you a decent valuation at an average.
Amazing eye opener , लेट पण थेट
At 2:05 timestamp. Annual return should be 26%. Its return 12%
Im 22 and started to invest in mutual fund...Rn I dont have any employment but I just invest in a less risk investment in SBI mf with large cap even though it may give small returns. But since this is my first time so I need more experience.
Good, keep it up.
Good knowledge video is shared and for past few months I am analyzing the options of investment. Since I am in 40-45 bracket. With few liabilities it is really challenging to finalize.
Thank you! Pls do plan. If you have a plan, you are already ahead of 95% of others who are still to do step number 1.
Additionally, please advise on the tax implications if an individual chooses to withdraw that sum after reaching the age of 60.
Thankyou RUclips algorithm. Finally a worthy video
Glad you liked it!
Dear sir thank u for ur valuable information. Please make video for making 80 laks - 1cr in 10 year by using excellent calculation chart.which help for middle class people
at 2.07 ...you are showing interest rate as 12% ....but while speaking its 26%.....needs to be corrected.....its 26% over 20 years will give you 10cr not at 12%
Nice video. But i don't understand the concept of compounding in mutual funds. Since it is directly linked market performance, the returns can swing in any direction - from negative to positive. Can we really rely on the compounding concept which is used in the illustrations in this video?
Very nice video Sir with clear presentation. Regarding lumpsum investment i wish to invest 10 Lakhs now for a 20 year tenure. Can you please suggest 2 to 3 best mutual funds for doing lumpsum to diversify and invest the 10L? Also is this good time in the market to do lumpsum now? Can you please advise? Thanks.
Thank you very much. On the ETMONEY app, we have presented rankings and ratings of most schemes, that can be a good starting point in identifying the right mutual funds.
@@ETMONEY Wekcome, sure Sir will check in your app. Is it wise to invest the 10L in single fund or split it into 2 or 3 funds? Also is this right time to do lumpsum in the current market condition? Please advise as I am a beginner in Mutual fund investments. Thanks.
Thank you sir. 15:15:15 how to start sip and which is the correct platform for that guide us
SIPs can be started via the ETMONEY app which gives you an option of investing in all popular mutual fund schemes. Further the app gives you scheme rankings, automatically tracks your portfolio on a daily basis and also provides essentials like capital gain statement, insurance services, free credit scores and much more.
Pretty sure real estate can give you way higher returns than this over 25 years. Consider that a 5lakh 30x40 site in the city in the year 2000 is now selling for 2cr minimum. That's 40x the investment. And there are no fluctuations like in stock market where if anything goes wrong, your portfolio can be down by 10-20% in a bad year and if that happens to be the year you'd need the money then you're screwed.
Very helpful video for those who started investing late in their 30s. I'm one of them,sir. The initial lumpsum amount does it attract income tax. Becos, we would saved the amount after paying tax but just becos we are investing lumpsum should not attract tax again. Awaiting your reply. Thanks
Thank you. If you are referring to mutual funds, then profits made on them irrespective of investing in lumpsum or SIP mode will attract taxes. Please search on the Internet for the latest tax reckoner for more clarity on taxation, that would help
@@ETMONEY 1st place, would thank you for the promt reply. My concern is becos we are investing lumpsum, that lumpsum amount- will it be taxed at the time of investing, if it is above 10L. If our investment crosses 10L limit in a financial year, what would be the issue with respect to this. Becos, already we would have paid tds and all taxes for the earned money. Again it shd not be taxed, becos we are investing in stocks or mutual funds. Plz clarify. It would be a great help.
Amazing videos with stats & detailed insights....please keep up this kind of video as most others only speak more without much of the data from the last 10-15% which is very helpful here.
Thanks
Extremely good and informative video!
Very very clear narration !! Will be of great help for youngsters.
Great video.🎉
Create one for aggressive apparoach for same Target in 10 years and how and when to shift in fix returns assets
Very informative video. Thanks for this. Can you please share building a corpus of 10 crores in 7 years.
Thanks. Please use the calculator link (www.etmoney.com/tools-and-calculators/sip-calculator) and input the details there. As discussed in the video, one can use lumpsum, SIP and a combination of both. Afterall, there are only three variables that need tweaking - 1. initial & recurring capital, 2. annual returns and 3. time
Make a video on Nifty 500 Equal Weight Index Fund Vis a Vis Nifty 500 value fund and Nifty Alpha 50
Your video is highly informative. Can you suggest your insights about lumpsum investment.
Suggest some funds for SIP for long term . Also some funds for SIP for 5 years suitable for SWP thereafter.
hi, i m 30 yrs old. How much amount do you think should i target for when i retire? is there any formula for setting the target?
Can you guys also make a video on why is there such a huge difference between SIP & Lumpsum returns also ?
For example 12000 SIP per month for 10 years gives 27 lakhs , but 1450000 Lumpsum gives 58 lakhs at the end of 10 years .
Why such a huge difference?
That's because one measures lumpsum from x0 to y0 (x being the day of investment and y being the day of reaching target). The SIP schedule is different with x0, x1, x2, x3 ... while the output is measured at y0. This will become clearer in a video we are releasing this week on SIP v Lumpsum
Hello Sir, worth to know if this 15 or 30yrs, will we be sticking to same MUTUAL funds? or Can we change in between to a better fund? let's say yearly or biyearly changing a fund ? will that still help in compounding or it breakes the chain and overall target growth?
Pls research more on this and explore a combination of index funds
@@ETMONEY I hope you didn't get my question. Can we stop any of the SIP/ funds in between, if not performing well and start a new SIP with same amount in thse long duration of 20 or 30yrs ? Or we should simply start 5 funds SIP and cont till 20yrs ?
SIPs in open ended mutual funds can be paused or cancelled. This facility is available on the ETMONEY app aswell
exellent way of explanation. i am impressed. can you pls guide me in which company to invest. i can put an initial amount of 3000000 and need 10 crores
Thank you, much appreciated! We don't have an equity research advisory practice that recommends particular stocks. However we have an intelligent service named Genius which uses asset allocation & rebalancing to improves one's investing odds. Check out the details at www.etmoney.com and for a detailed video, please watch (and read comments on) ruclips.net/video/PhD1vmDxCOA/видео.html