Retirement Planning எப்படி செய்வது: எடுத்துக்காட்டுடன் விளக்கம்
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- Опубликовано: 2 окт 2024
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English Version is here
ruclips.net/video/fBPMs7HxBg4/видео.html
How did i miss the prof's lecture all these years? 😂 he explains it well. no gimmicks. pure objectivity.
Haven't expect an IIT prof will speak close to heart, and particularly that saavu , love it. Very beautiful and clear analysis, sir.
Before seeing this video, I took retirement planning lightly, but now i need to consider it serious than other financial goals.. And I'm going to create my own excel sheet..
Thank u Sir... u made our lockdown days very informative..
Definitely you may get Diabetic & BP, Life should be a cool
@@sulthanalavudeen9281 - I wonder what made you come here then?
Very good Mr Pattu. I am now 72. I did not have a chance to see such plan in y previous years. Further I had to support to my parents. Somehow I managed to make a good format. As o today I am able to invest in mutual funds every year. Now I try to make an excel sheet for my future. Thanks
ஒரு மனிசனோட சாவை excel ஷீட்டில பதிவு பண்ணாத இப்போ தான் பார்க்கிறேன் 😂
❤😊
😂
காசு இருக்குற வர வாழ்வோம் காசு தீர்ந்தா டிக்கெட் எடுக்க வேண்டியதுதான்
Hi Sir, I subscribed your channel after watching your interview with Finance Boosan. Many thanks making the contents in Tamil. I'm able to share it with father and other family members. You are amazing and doing a fantastic job sir.
Thank you
yes came here from same video
It made me to think die before 70.. 😂
😅😅😅
why before 70 and why not 60???? Situation is such Bro...No salary hike on year by year but inflation is sure going up
@@velmuruganganesan7979 it's OK bro.. lets face it with 10 years buffer 😉 if we get better salary without inflation.. Life looks bore.
😂 true
I made it 60 . No need to save.
வணக்கங்க, மிகவும் எளிமையாக உள்ளது. அனைவருக்கும் புரியும். நான் இதை ஏற்கனவே உங்களின் Goal based Investment குழுவில் பார்த்து செய்து விட்டேன்.
Thanks sir .Very well explained about the retirement calculation.
Thanks Pattu Sir for guiding us on our retirement planning. Wish I had this information 10 years back 🙂
Thank you so much Pattu Sir. Watched again after 3 years. Happy to see I am in track towards my retirement planning (Which I did in Google sheet before 3 years). Crores of thanks to you. 😃🙏
Thank you
Excellent explanation.... that to the way you projected “Saavu” .....it’s hilarious
Ha ha.. I too noticed
Sir, though I don't understand this language but I think I still understood you by watching full video😊
Appreciate it
Thanks for this one in Tamil. Able to catch the point more clear and easy to share with friends n dears
I saw this video 3yrs ago and it changed my life for ever.. I was zero when I saw this video now am in track for financial freedom..
Super
Great
Super 🎉
Thanks for starting at 30 years of age!
2:52 is the maas, SAAVUU.hmmm. 85 ... Sir, u are very realistic person and your words are very practical. People hesitate to think talk about their old age, u nailed it sir.. but i cant stop laughing by seeing 2:52 for a long time.
Real life ultimate Neenga sir engaluku Pppppa Vera level
நன்றீ சார்🎉
This video have more Dark humour than beast movie! 12:50 "85 age ku orunal munadi ticket vangidanum" Please upload more tamil video it is intresting with humour. Do we have any live workshop sir?
Such a casual but very thought provoking session Sir. Thanks a lot for guiding us
Never had an idea we need this much corpus.. Had a fanatastic clarity on retirement planning.. Thanks pattu Sir. Hope ur health is fine and good. Retirement ke paathi salary invest pannanum pola naa .. Matha seleavuku ena panrathu yosikuren ipa ...
Super தலைவா! Never seen such simple and practical plan!
its a great vid for retirement,,
Sir sorry for asking the XLS sheet. You told in video to do ourselves. But if you add the links in blog, it will offer us a framework to work-on and for new visitors of your blog too !!
Broad mind good advisor, vazhga. Valarga.
I'm 32. Thank you so much Mr.Pattu. Much helpful. I have seen many retirement planning. But this is indeed!
Beautiful video sir
Sir this video is not available in the "Panamayamaana Edhirkaalam" playlist. Kindly update it. It'll be helpful.
I'm really learning a lot from your channel. Thank you.
எல்லாருக்கும் தேவையான அறிவுரை.
Excellent explanation Sir!!
Excellent explanation professor.
Thank you very much! 🙏🏼
To be honest, i noticed that you missed to multiply by 12 while u filled in that cell.
Its really such a nice “raw” video! Loved it.. 😍
Prof. corrected it in around 16th minute
*85la saavu* lol
Thank you. Really eye opener for me
Thank you Sir 🙏
Excellent!!! Thank you Sir !!
Thanks a lot sir..well explained and great useful vedio
Very good sir. Nice explaining style
thieivamey....!!!!thieivamey....!!!!thieivamey....!!!!thieivamey....!!!! thalaivarey...!! thalaivarey...!! thalaivarey...!!
savvvvuuuu....ticketuuuu... you are keeping it POINT BLANK, salutes...!!!!! :😍😍😍😍😍
5:06 ultimate 🎉
Super Pattu Sir, Expect panna video va pottuteenga..And also liked your statement "Inspire aagurathuku nalla vazhi Payam", Well said. Payam illana kadaisi varaikum start pannave mattom. Expecting Child Education planning like this. Going to do this in my own XL, but one doubt as you mentioned that if the 6% inflation & 10% return is low then what will be the moderate percentage i can put for inflation & return? Shall i include my monthly PF(employer+employee contribution) amount as monthly investment amount when calculating this?
No one can really say. Play with the numbers and see. I tried inflation at 6,7 & 8- for 8 % , the investment required is too high for me. So I am keeping it at 7%. Yes you can include PF as well since we get the money during retirement
Hello Sir, Just got the time to watch the video. Excellent content. I already did my calculation from your English videos. I am 8 years away from financial independence. Regarding inflation, I strongly agree with you..! However, I did a small case study in my home town (Almost Village). Expenses in Village is exponentially small in comparison with expenses in city like Chennai. Also, I am from Agricultural family. My parents still do farming. Their expenses are extremely in control(Increasing very slightly each year though) what ever the GDP of the country. After the study I understood that, India has two kind of economy. One is GDP based economy (City). The other one is farming based economy (Village). Luckily in India still many people does farming. So, the other way to manage inflation apart from investing more is doing farming..! :-) Interested to know your thoughts on it.
@Tamil Audio - Great point to overcome inflation, other option from my sense is we can reduce/zero our wants and plan only for needs. we can move to place where to drive our passion driven career (agriculture, teaching, etc.) This would lead happy retirement at the same time peace and happiness which we cant buy from monetary aspect.
amazing idea :)
Luckily Quicktime didn't crash!!! Very useful video.
Sir, i have been following all your videos for quite a long time and very impressed. But the question i have is why do you use 6% inflation for all the years and why cant we use real returns in calculations. Always an healthy retirement investment thats properly managed should beat the inflation by a margin of 3-4% ...I believe even some of the debt funds can beat the inflation and provide minimum 2-3+ percent real return.And good equity funds can beat inflation by a min of 4+ percent of real return. A separate emergency fund should take care of expenses in case of market downturn.
We can use real returns but we first need an inflation assumption for that and it is the same thing! I do not share your enthusiasm about real return margins of 3-4% and certainly not from debt. Not without taking risks
Project saavu initian 2year completed
Medical, marriage
I never knew you had so much of sense of humor! I had seen most of your videos in English which made me think you were a very serious guy. This certainly gives us a definite number we need to invest. Thanks Professor!
Mass as usual , thanks sir
After seeing this calculation, I think we have to prepone our saavu or ticket.
Sir why are you reducing the returns with respect to aging. Because any investment will grow with respect to time right
Where to add the lump sum that I have invested curently
excellent sir...
Nice idea, but people dont retire so early.
I have seen people taking VRS and then going back to some other work after a couple of years. Because within 1 year of retirement, people realize, they can't sit idle and there is not much to travel.
if you say so
I dont understand how can you assume year expenses only 25k
Inflation is the real enemy sir. When I kept inflation at 6 % for a monthly expense of 40k, the monthly investment required is only 20k but when I changed inflation to 8%, the required investment amount is 52k/month. For now, I am keeping it at 7% where the monthly investment required is 33k and the retirement corpus is the magic number - 7 crore
Sir.. for the same monthly expense of 40k with inflation 7%, the required investment for me is 63487.47328
per month. Getting confused if I am missing anything
Age boss? What age input?
எப்பிடினு சும்மா தெரிஞ்சிக்கலாம்...
ஆனா வாழ்க்கை கணக்கு ஆளை எப்படி வேண்டுமானாலும் திருப்பிப்போடும்.
What an advice! I never knew this! So let us stop plManning. Thank you for the philosophy
Sir,yethulalam investment pannanum yepdi pannanumnu sollunga
Thanks sir but I feel that I wasted my time till 36 yrs … I will start to do it from today onwards
Hi Sir,
Watching your video for the first time. RUclips suggested my your video. One good suggestion that RUclips gave for me. An eye opener video. The same genric explanation will be charged nearly 1000 to 2000, If I consulted a financial planner. Thank you so much. Will be a regular follower and provide my support. All the best for your future endeavours.
Great Eye opener and nicely put together sir. Thanks for sharing it.
Hi Sir I am new subscriber to your channel...please make a video on EPF vs NPS and what is EPS option...what IT employee who changes job take care in their EPF account... Does EPS amount transfers when we change company...do we really get pension with EPS account...pls do a video on this in both tamil and english for all of your audience
awesome sir
Useful sir..
Hello sir, more of financial planning, I liked your advice for having fear. I am 27, and have put 20K per month in my expenses with 7% as inflation. Need to build corpus of 5.5Cr. This will really help me to invest in a disciplined manner every month. Thank you so much.
Pattu sir Yenna ipdi solteenga .. 85 la saavu’nnu.. 70 illaya ?
In simple.. 75% investment for 20k earner will be 7500.. where your expenses(mukiyamana) should be 10k only.. if your overspending. Than you have to find new maths to calculate your retirement..
Hello sir
If we receive LIC returns in intervals of 10 yrs and 15 yrs. How shud we include them to this calculation sir
I think it was raining heavily when you recorded the video free BGM ! classic!!
Hi. Do you track your investment portfolio individually every month? I understood tracking of overall portfolio growth which I am doing it yearly once. I would like to track growth of my Stocks and MF every month and finding so much columns as data will get added for every month. If their are any simple ways to track the growth as chart every month, please create a video and share it. Thanks.
I use
freefincal.com/track-your-mutual-fund-and-stock-investments-with-this-google-sheet/
Nice video.. Where can I get 10% return? Any suggestions?
why no one is considering the biggest asset you have ? Children, their responsibility, their caring and nurturing....
True still Pattu sir didn't want to frighten others, so sir didn't tell medical expenses after 55 which is a MUST happens for everyone. Also the interest rate at 5% after 60yrs too can't be expected. FD in reputed banks now itslef have already dropped to 5-6%. So in another 10-15yrs this rate will drop further. Factoring all these, the target will be much more and herculean.. 😐😐
Nenga potta plan ok. Inflation punising us that is fact.. my question is, we need 5.5 lakhs overall an year at the age of 30. Most of the people (70 percent) in Tamil Nadu is not earning that much of money.. I know that we need to reduce the expenses.. evalo expenses kammi pannalum 15-20k venum to run a small family.. Enna madri aalungaluku eppadi plan panrathu atha solunga.. nenga sonnathu ellam upper middle class ku soli irukinga.. lower middle class, poor people ivanga eppadi pannum please atha solunga.. also investment romba basic a iruku. 10 percent ROR is not possible at this point of time.
I like ur way of talking and explanation super broooo good plan
Sir,
Are you not considered interest of balance corpus interest after 58. If considered, investment may be investment pressure getting reduced
Sir can u give detail explanation of income tax calculations in excel sheet
Awesome talk sir!😂😂😂 Can't stop laughing at 2.52 (Saavu) & 10.36 (maalaiyalaam potu veetuku anupuvaanga)
Thanks Sir. Beautiful explanation on retirement planning. But the people earning less than 30K per month would faint by seeing the total corpus requirement, which is basically not possible.....Inflation goes up year by year, fine, what about income or salary???
romba conservativea poreengalo sir? it is better to be conservative than optimistic on financial planning, but idhu konjam too muchaa theriyudhu given our growth trajectory
சாவு......😂😂😂😂😂
Sir, how to include existing investments in this calculator?
Please add your existing corpus in the first year investment
Kindly add the same in the first cell of year end corpus before retirement =(500000+D3)*(1+E3) - 5 lakhs is your current corpus at the moment
@@thirumalaikcse It didn't work because the second year's investment is 5% more than the first year's, which is not the case. Please let me know if I'm wrong.
@@lovethelove6 Thank you, just figured out and and you have already commented. Great!
Dear Pattu Sir,
Thank you for this video. No one else can explain better than this..👍
This video is eye opener for me. Everyone must watch the video. Thank you for sharing your knowledge. God bless you and ur family🙏
Nice
good
Am 34, I've been making random investments up to this point. This sheet is going to be a game changer and provides a clear goal and more clarity on what’s actually needed. You’ve made it much simpler- thank you!
Is this included PF, NPS as well?
Very simple and clear way to showcase complicated planning. Very well presented. Thanks
Tamil videos athikama podunga theivame🙏
கண் திறந்த தெய்வம் நன்றி 🙏♥️💞💞
I don't agree with this. It's impossible for middle class to invest this much after regular expenses and periodic goals (car,jewel,marriage,house).
Then reduce expenses, thats the only way
Super @pattu sir
Sir, this is the 1st video of yours, I have seen. It is really good & interesting.
Even I would like to start investment & plan for the retirement. I need your help, support & guidance regarding the same.
Request you to kindly share your contact details.
Thanks & regards, Venkataraman. 😊
I do not provide investment advice.Thank you
Sir, a return of 10% every year is difficult to achieve
Dear sir,
That Goal seek shows CELL MUST CONTAIN A VALUE but I input the data as per your video conversation.
Kindly help to do this.
Sir, Investments will start compounding right.... then why i have to increase the Invesment percentage with respect to age.....
Sir, i am 32, have some decent PF and PPF, just starting with sip, in this format, how to capture pf and ppf which has already been invested
In the first row as current value and then compound forward
Namaskaram Pattu, I just constructed my retirement Calculator just the way you did. Thank you now i know how much i require to invest to achieve it. Nandri...
You calculate for months not years
Watch till d end.. he changed it in d end for the year...