As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.
Yes, you are right. it's been a brisk tailwind for investors in US stocks over the decades but it is still a delicate season now, so I advise you to consider the guidance of a financial advisor.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
She is not financial background , we can’t expect actual numbers should perfect .. my opinion would be don’t focus on numbers, my focus would be journey how he achieved at that age ..!
@@RANJANTHAPADDN that’s exactly where I stopped watching the video. I thought if someone can’t even say this right, what role do they have in moderating a Personal finance video!
Great conversation Shreya. Want to suggest few pointers here : 1. Please update yourself with some terminologies and implications. I know feels weird in beginning but while interviewing one should be aware of what VPF is. 2. His Job journey with years was not captured in conversation. 3. No cross questioning was part of conversation where why he liked debt product from than equity. During 2020 why he still leaned more towards debt instruments. 4. What is he doing now since he mentioned to have 2-3 days of week sorted out before opting retirement. 5. Compounding of 8% PF was so hyped but Equity split was not discussed at all.
I watched some of their episodes. Initially thought they were okay to follow, but now feel like they don’t even ask smart questions because they don’t understand personal finance to a large extent
I would suggest my dad to be taken for an interview who started off his career at the age 35 with zero penny and by 55 he attained 20C+ with a passive income of 5L per month. He has been advising me financial ideas since I've been young which I never listened to, but now being 29 and trying to poke into his savings, iam like woahhh! I already have a 1% person within the family haha.. Iam already in 1% club ... u can let me know if u want to interview common people who have succeeded.. thank you
Sorry to say all these interviews are becoming monotonous as you think by asking silly questions like what is VPF, what company they worked etc., how does it matter with common purpose where todays audience have more knowledge
Agree with you, I always find these interviews extremely boring, the questions have a standard template, the interviewer is only interested in knowing how the person made money, when he retired , how much he saved, where he saved etc. the psychology of saving/investing money depends on a lot of factors.the interviewer seriously lacks financial knowledge and it shows from her questions
What a joke.. Retired early at the age of 51 !! I watched the full interview and I found him nowhere extraordinary in his financial planning. He is solely dependent on PF and fixed instruments. If you compare his salary earnings with 20cr of final corpus, he has nothing extraordinary earned in terms of passive income. No doubt, he was earning handsome money in his career span. But that's all what he has to show off. He is getting 50-55L fixed now, fast forwarding for 10 years, the value will be degraded to 20-25L and 20 years down the line barely to 7-8L inflation adjuested and this uncle has no plan for this. His investment value will always decrease. Also, the host is horrible. 1% club does not deserve the host like her.
Nothing extraordinary from his investment perspective. He's doing what most of the Indians do. He was way good in his job and that's where he makes money. A good lesson for all the folks in their 20s that if you focus on your career and have good income, then by investing it in simple FD you can create huge wealth. Always focus on income first.. returns are by product.
Great effort Shreya. Keep going. I am fan of you both siblings who choose a platform to empower people and bringing awareness about investments. Which seem to be secret for years. I like the way you question which helps lot of people at different levels to make changes to achieve financial success. I thank your parents for producing 2 useful citizens to the country😅.
This interview would have been so much better if the interviewer had the proper interview etiquette. When the person you are interviewing is so knowledgeable and have so much experience, its a must that the interviewer also should have the required skills and experience. Unfortunately there was a huge intellect gap between the two and hence the interview fell flat on its face.
Also assumption of 0% interest rate, if that happens, then inflation will be in minus ( like Japan) so you don't need to earn from your investment as prices will go down every year, so 0% intrest is fine.
With the $2 million I got from selling a property, I began my investment journey in 2022, and now my portfolio just surpassed $50 million yesterday. I'm reinvesting the returns into real estate to further enhance my financial growth. My advice is simple: if you can start your journey to financial freedom early, do it. The earlier you start, the more time you have to grow your investments and secure your future.
15 lakh per month * 12= 1.8 Crore per Annum Not 2.2 Crore Top finance Influencer does not know simple math And whole team can't find such basic error Even mentioned in title. Dont do click bait things
@onepercentclub12 watched full video. It is very informative and a different way to make safe wealth with debt instruments And I didn't mention the amount of 2.5 crore quoted in video trailor Bcz I know it can have more details in full video But during the video when he told his salary was 15 lakh then you replied after doing math in your mind 2.2 crore per Annum. There was no discussion of bonus at that time. Still not a big deal small mathematical errors don't takeaway the effort and the value you have delivered through this video.
Hi, I’m retiring in two years and I’m curious how others split their income into savings, spending, and investments. I make around $150,000 a year but haven’t saved much. Can you share some advice?
That’s right. I’m a wife, mother of four, and new grandmother. After 28 years in Corporate America, I recently retired at 57. Since the pandemic in early 2020, I’ve been investing and grew my $250,000 savings to nearly $1 million, thanks to my investment advisor.
I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Stacy Lynn Staples for years and highly recommend her. Look her up to see if she meets your criteria
Numbers don't add up, thumbnil says 20cr, he says 70% in debt which gives him 55 lac early, so 14 cr in debt, if we consider 8% on 14cr, it is 1.12 cr. How the math is working here?
What he do with this and not sharing any contribution to the nation as tax and don’t know if a guy want to save from taxes , what kind of return he give back from he earned from common man . If some make a profit, many people contribution
What's the use of interviewing person who was earning 2.2cr per year.. obviously he would have saved a lot.. pick some1 realistic.. and if he is earning 50-55lakhs per month.. then it is an example 😊
How on earth is 15LPM turn to 2.2cr a year. Hopeless anchor interviewing, atleast not a financial interview with such baseless calculations. What can you expect to get out apart from views and money to Sharans pocket 😂
The podcaster seems to have no knowledge of finances. It's clear from the way she is reacting at the mention of Voluntary PF. Seems like aaj kal all you need to become a finfluencer is confidence...knowledge and expertise optional.
Waste of time. No takeaways at all. The host lacks basic financial knowledge and lost a great opportunity while talking to somebody that is a seasoned investor. Please remember this is not Instagram and folks that come here are not interested in seeing the host's drama and dressing style.
@@onepercentclub12 i totally agree but when he said that 15 lakh is my monthly income and she told directly that it turns out roughly around 2.2 crores and i have seen every bit of the video.
Biggest joke of all this RUclipsrs and interview giving persons is they all repeatedly tell one thing “COMPOUNDING IS GREAT THING IN WORLD and NOBODY KNOWS THAT” 😂
What he do with this and not sharing any contribution to the nation as tax and don’t know if a guy want to save from taxes , what kind of return he give back from he earned from common man . If some make a profit, many people contribution
As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.
Yes, you are right. it's been a brisk tailwind for investors in US stocks over the decades but it is still a delicate season now, so I advise you to consider the guidance of a financial advisor.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
Her name is. TRUDY ELIZABETH STOUFFER . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
So proud of you dad! 😄
Certainly. I am sure the journey wouldn't have been so simple. It was a pleasure to hear his thoughts😊
You are welcome BETA.
Proud Daughter 💯
Wow
Is he really your father??
Addressing as Mr Rajeev or Rajeev sir would be both respectable & pleasant...
Wowwww the maths of 15 lakhs per month to 2.2 Cr per annum is awesome .. kudos
She is not financial background , we can’t expect actual numbers should perfect .. my opinion would be don’t focus on numbers, my focus would be journey how he achieved at that age ..!
@@RANJANTHAPADDN that’s exactly where I stopped watching the video. I thought if someone can’t even say this right, what role do they have in moderating a Personal finance video!
Hahaha..thats true and the gentlemen also said yes
She is right, Because she added his bonus amount Rs.40 lakhs too. 😆
Yeah...that's what I am wondering about. Did she mean 2.2 Cr before tax deduction? Even that doesn't seem right.
Great conversation Shreya. Want to suggest few pointers here :
1. Please update yourself with some terminologies and implications. I know feels weird in beginning but while interviewing one should be aware of what VPF is.
2. His Job journey with years was not captured in conversation.
3. No cross questioning was part of conversation where why he liked debt product from than equity. During 2020 why he still leaned more towards debt instruments.
4. What is he doing now since he mentioned to have 2-3 days of week sorted out before opting retirement.
5. Compounding of 8% PF was so hyped but Equity split was not discussed at all.
She interviewed like new bee
😊
Exactly her questions were very lack luster
Doesn't 15 lakhs a month work ou to 1.8 crore a year and not 2.2 crores?
15 lakh PM makes 1.8 Cr PA. Not 2.2. as Hegde calculated mentally 😂
Don't know why but both Hegde's look very arrogant to me..
Becoz u haven't reached their posn
@@Neetprep2025-2 matlab kuch bhi? Thoda to dimaag lagaya kro sir...
@@Rkworldone 🥱🥱🥱
@@Rkworldone 😁😁😁
I watched some of their episodes. Initially thought they were okay to follow, but now feel like they don’t even ask smart questions because they don’t understand personal finance to a large extent
Thanks 1% Club for featuring my dad :) I loved visiting your office in Mumbai for the shoot with him.
Great one .. really nice 👌, 1st time he really made us think of “ what if India becomes 0% interest 1 day ? “
This podcaster does not even know math and giving finance gyan.. what a world
Can you pls watch the video? And not just the highlights?
You’d know he speaks about his bonus component ranging between 60 lakhs to 1 crore.
@@onepercentclub12 You should first know the difference between ppf , pf , epf, vpf 😅😅
You are far better host compared to sharan. please update yourself with some finance terminologies.
It seems like an interrogative discussion not an interview.
What a great conversation. Not many people think this far!
I would suggest my dad to be taken for an interview who started off his career at the age 35 with zero penny and by 55 he attained 20C+ with a passive income of 5L per month. He has been advising me financial ideas since I've been young which I never listened to, but now being 29 and trying to poke into his savings, iam like woahhh! I already have a 1% person within the family haha..
Iam already in 1% club ... u can let me know if u want to interview common people who have succeeded.. thank you
Do check out the form in the description of the video!
They have a form in the description.
Done, thank you!@@onepercentclub12
Sorry to say all these interviews are becoming monotonous as you think by asking silly questions like what is VPF, what company they worked etc., how does it matter with common purpose where todays audience have more knowledge
Agree with you, I always find these interviews extremely boring, the questions have a standard template, the interviewer is only interested in knowing how the person made money, when he retired , how much he saved, where he saved etc. the psychology of saving/investing money depends on a lot of factors.the interviewer seriously lacks financial knowledge and it shows from her questions
So proud of you dad!
Great informative and valuable video👍🏻💯
baby you are so cute that you set peoples heart on fire. that is the only fire we know of.
What a joke.. Retired early at the age of 51 !!
I watched the full interview and I found him nowhere extraordinary in his financial planning. He is solely dependent on PF and fixed instruments. If you compare his salary earnings with 20cr of final corpus, he has nothing extraordinary earned in terms of passive income. No doubt, he was earning handsome money in his career span. But that's all what he has to show off.
He is getting 50-55L fixed now, fast forwarding for 10 years, the value will be degraded to 20-25L and 20 years down the line barely to 7-8L inflation adjuested and this uncle has no plan for this. His investment value will always decrease.
Also, the host is horrible. 1% club does not deserve the host like her.
This is the guy who abused VPF and caught Nirmala's attention. She reduced the VPF contribution to 2.5 lacs tax free per annum thereafter
Nothing extraordinary from his investment perspective. He's doing what most of the Indians do.
He was way good in his job and that's where he makes money. A good lesson for all the folks in their 20s that if you focus on your career and have good income, then by investing it in simple FD you can create huge wealth. Always focus on income first.. returns are by product.
He has a great perspective on risk management…. Loved listening to this conversation.
17:01 very cute laughter by cute baby
Nice to see FIRE person with well financial planning.
Dear, With all due respect, One take away for you as a host from this show, "You Can work on "How not to look arrogant"...and practice more on that...
Shreya di, you are looking very pretty in that Kurti!!👌👌
Great interview and great questions shreya hegde 👏
Talks about the 0% interest rate, but not about the low inflation rate of those countries.
Nice!!! Shreya too will become a star now like Sharan...that podcast was a nice launch-pad...
Even she doesn't know a multiple of 15 lakhs per month to 1.8 Cr per annum.
She said 2Cr.
Gajab
Wonderful interview Shreya
Great video... enjoying and knowledgeable..
Anchor should address as Mr Rajiv sir
Can there be an interview of someone who started in 30s and now im 50s they have financial freedom and how?
Great effort Shreya. Keep going. I am fan of you both siblings who choose a platform to empower people and bringing awareness about investments. Which seem to be secret for years. I like the way you question which helps lot of people at different levels to make changes to achieve financial success. I thank your parents for producing 2 useful citizens to the country😅.
Very nice interview and knowledge
Happy to hear that!
This has been very insightful
He is a financial guy who makes other people buy policies that give him lot of commissions.
Instead of calling seniors with first name it would be better that you call them as Mr Rajeev or Raveevji.it will show respect to the interviewee
Please tell me which is that LIC plan .. paying you 1 lakh per month. From where we can buy that. ?
This interview would have been so much better if the interviewer had the proper interview etiquette. When the person you are interviewing is so knowledgeable and have so much experience, its a must that the interviewer also should have the required skills and experience. Unfortunately there was a huge intellect gap between the two and hence the interview fell flat on its face.
Also assumption of 0% interest rate, if that happens, then inflation will be in minus ( like Japan) so you don't need to earn from your investment as prices will go down every year, so 0% intrest is fine.
How come 15 lakhs per month become 2.2 crores per annum? Isn't it 1.8 crores?
I think 2.2cr if we add his bonus as well, which usually is not a part of CTC.
Along with bonus :)
You are proud what he earned you can now relax and enjoy.
With the $2 million I got from selling a property, I began my investment journey in 2022, and now my portfolio just surpassed $50 million yesterday. I'm reinvesting the returns into real estate to further enhance my financial growth. My advice is simple: if you can start your journey to financial freedom early, do it. The earlier you start, the more time you have to grow your investments and secure your future.
That’s great growth, are you an expert/Pro ?
he is financial guy, no wonder he is financial freedom now.
Very nice episode
Why is he spending 40% on rent? Does he not own a property?
15 lakh per month * 12= 1.8 Crore per Annum
Not 2.2 Crore
Top finance Influencer does not know simple math
And whole team can't find such basic error
Even mentioned in title.
Dont do click bait things
Even u r wing it's 15 lakh per month not 1.5 lakh
Can you pls watch the video? And not just the highlights?
You’d know he speaks about his bonus component being ranging between 60 lakhs to 1 crore.
@onepercentclub12 watched full video. It is very informative and a different way to make safe wealth with debt instruments
And I didn't mention the amount of 2.5 crore quoted in video trailor
Bcz I know it can have more details in full video
But during the video when he told his salary was 15 lakh then you replied after doing math in your mind 2.2 crore per Annum. There was no discussion of bonus at that time.
Still not a big deal small mathematical errors don't takeaway the effort and the value you have delivered through this video.
FIRE at the age of 51 ?
Loved this
Be a good listener to take a interview....🤗
Hi, I’m retiring in two years and I’m curious how others split their income into savings, spending, and investments. I make around $150,000 a year but haven’t saved much. Can you share some advice?
Consider investment planning; learning from an experienced advisor is very valuable.
That’s right. I’m a wife, mother of four, and new grandmother. After 28 years in Corporate America, I recently retired at 57. Since the pandemic in early 2020, I’ve been investing and grew my $250,000 savings to nearly $1 million, thanks to my investment advisor.
I’ve been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Stacy Lynn Staples for years and highly recommend her. Look her up to see if she meets your criteria
Wow!! her track record looks really good from what I found online.i just filled the form and scheduled for a call. Thanks to you.
Worth watching ❤
Numbers don't add up, thumbnil says 20cr, he says 70% in debt which gives him 55 lac early, so 14 cr in debt, if we consider 8% on 14cr, it is 1.12 cr. How the math is working here?
Thumbnail will keep changing with next podcast of yjis person. Now net worth changes with every next podcast
I think 55L interest is what he gets from EPF corpus
What he do with this and not sharing any contribution to the nation as tax and don’t know if a guy want to save from taxes , what kind of return he give back from he earned from
common man . If some make a profit, many people contribution
If interest rates are 0 in Japan, we should take huge loans from Japan and invest in India.
Kar lo
That doesn't work like that bro
Don’t think lending interest is zero.
from 5:00 to 9:00 it looked more like HR background verification :)
What's the use of interviewing person who was earning 2.2cr per year.. obviously he would have saved a lot.. pick some1 realistic.. and if he is earning 50-55lakhs per month.. then it is an example 😊
Gonzalez Thomas Young Mark Perez Jennifer
Where is this discussion going? 😅
Same repeated questions losing interest and don't want to watch her
I will reach 1Cr per annum in the next 5 years
I also won't to be a millionaire ❤😊❤
What a great experienced guy but killed by silly questions of a noob host. Could have been gold but all dust.
No info on what was the role that paid so high salary
You can take a look at Rajeev's LinkedIn profile, it's added to the description!
Your monthly salary is 15 LPM so your yearly is 2.2cr ?
He: Yes 😆
If you watch the full video, you’d know that he mentions about his bonus component. Hope this helps :)
@@onepercentclub12 may b later but with that info its incorrect
@@onepercentclub12 + thanks for reply I just posted it for fun
The gentleman knows nothing about Economy and giving Gyan, he fumbled when asked why interest rates are 0% in the mature economies.
That would be a 1hour session.
Interviewer may ask better questions and also speak less. Just suggestion for a better interview next time. Not withstanding a good video🎉
Podcast was more better if it is hindi
Keep such interviews going as it helps millions of retirees to adjust their investment patterns
How on earth is 15LPM turn to 2.2cr a year. Hopeless anchor interviewing, atleast not a financial interview with such baseless calculations. What can you expect to get out apart from views and money to Sharans pocket 😂
I will become a billionaire😊
Kab tak and what would be your corpus?
She is so gorgeous
Person taking interview doesn't even know difference between EPF/VPF/PPF, dont know their limits how would they be able to ask good questions :(
The podcaster seems to have no knowledge of finances. It's clear from the way she is reacting at the mention of Voluntary PF. Seems like aaj kal all you need to become a finfluencer is confidence...knowledge and expertise optional.
She has attitude not like his brother i didn't like her 😅
So many years you worked but has no own house?????? Amazing 😂😂😂😂
Get a person any from the sports industry
Waste of time. No takeaways at all. The host lacks basic financial knowledge and lost a great opportunity while talking to somebody that is a seasoned investor. Please remember this is not Instagram and folks that come here are not interested in seeing the host's drama and dressing style.
I felt this lady wasnt really listening !
15L x12 = 1.8cr
Doesn't 15 lakhs work out to 1.8 crores and not 2.2 crores
He speaks about his bonus component in the video. Check that part out as well :) hope this helps.
@@onepercentclub12 He only spoke about that much later.
Never knew of a hot Shreya as her ❤
Walker Christopher Martin James Davis Maria
15 lakh a month is 1.8 cr a year and sir is also saying yeah yeah
He had bonus component which ranged between 60 lakhs to 1 Crore. Would request you to watch the full video for clarity :)
@@onepercentclub12 i totally agree but when he said that 15 lakh is my monthly income and she told directly that it turns out roughly around 2.2 crores and i have seen every bit of the video.
Interviewer seems very arrogant😐
Clark Mary Miller Lisa Lewis Betty
Biggest joke of all this RUclipsrs and interview giving persons is they all repeatedly tell one thing “COMPOUNDING IS GREAT THING IN WORLD and NOBODY KNOWS THAT” 😂
Filthy, Filthy, so much wealth in a country where most people don't have savings. Hope he is donating.
Its his own hardwork..he wasnt born with a silver spoon.
Its none of our business how much he donates..
Mountain climbing..irony fancy hell how many % of indians hv that climbing as passion cmon grow up.
In end , he will left his wealth for children!
In 1994 that salary was big😮
Rest all things Apart.....He is a lucky DaD to have such son..
15000 per month 😂😂
Sug@r d@dd%😅
Playing with tax free stat is very dumb. One nirmala sitaraman and all your strategy just fials.
FIRE @ 51 ..what are you smoking?
What he do with this and not sharing any contribution to the nation as tax and don’t know if a guy want to save from taxes , what kind of return he give back from he earned from
common man . If some make a profit, many people contribution