This video comes with an Excel sheet, check here: bit.ly/4cIyxvB My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
The Excel is nice but simplistic as investments are usually not that linear in nature. I started investing in MF 2 years back, and now I have increased my SIP 1.5x and will do the step-up after 2yrs and 1yr earlier, I did lumpsum. It would be helpful if you would Calculate SWP as per B7 of Sheet1
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?
In my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor
Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)
I work with Rebecca Nassar Dunne as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
“Angela Lynn Schilling’’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
This is a disappointing video. Anything which talks about beyond 60 years of age goes into retirement bucket with different set of risk. The following risks (serious) are not covered: 1. Sequence of returns risk from markets. Early withdrawal from a low market can seriously erode capital 2. Market crash. This is always a possibility and recovery can take over a decade. It can erode one's wealth. 3. As one grows old, one needs more assurance given complications like dementia. The certainty factor has a high weightage. Though SWP is a good tool, this must be considered as one of the tools. For a very long period (say 30-50 years) especially after working age must consider exposure to equity ~50-60% (or as one deem fit).
Pta h bank ke worker sab hota h...batate nhi...har business ka yhi h.. customer ko bhi batana kuch chij means....kuch ka gala katkar Dena...kamjor h tak tak hi respect karega ... esiliye barabari nhi karne dete h har chij me.. everyone everything
Your video is really amazing.... If I had known ur channel 5yrs back I could have grown more and learned it...but it took me 5yrs to learn all the investment step by step... But really hats off sir your classes are awesome ❤❤ Loved it.
Why not today social media awareness is so widely available that one can easily get all the informations in time but at our time particularly who are born in 70s and 80s have not that privilege.
If you are planning to work till 58; Start SIP 1) 30% in large cap funds 2) 35% in MIDCAP funds 3) 35% in small cap funds Buy 2 funds for each sector and you will have more than your PF in the next 10 years; if you are ready to invest thrice your PF contribution in the next 10 years irrespective of market condition. I am a CFA( Just FYR...)
After watching your videos Started sip's from November 2022 in nifty 50 index fund..n its doing preety well...wen i see you i feel like you r my best friend 😊😊
Am a college teacher in Botany from WB, Kolkata .. thank you so much .. hv learnt a lot from ur vdos .. so, positive n motivating .. I ws just doing SIP without understanding anything .. though its late, still started investing more in SIP & soon will go fr SWP too .. Tk cr .. bye
Just wanted to understand, taking inflation into account at say 8%, INR 1,00,000 to be as starting amount for SWP 20 years later will mean today's INR 21,000 Only. While the excel sheet works and is super helpful in visualizing SWP, while using the sheet please be mindful to enter inflation adjusted numbers to achieve a realistic number. Please correct me if I have misunderstood the math!
This is very insightful, can you please explain the math on how to calculate inflated adjusted value of let's say INR 1,00,000 20 years down the line. I can use this to make my own sheet, thanks!
Valuation of 50k won’t be same after 20 years. 50k₹ after 20 years is equals to 15,590 of today’s time (assuming 6% inflation). These number looks attractive but one should never neglect the current value future value aspect. Rental yield is still the better option I feel.❤
Thanks...In 1975 my father watched his video and started investing Rs.10 each month. Now i have 5 bungalow and 1 Rolls Royce...I left studying after class 5 so that I can spend all the returns we received... thanks for motivating my father...
Very important post. Should be watched by more people. This should be common knowledge. Thank you so much for sharing the info in a clear and succinct manner.
There is a bug in this SWP video; what if a corona 2020/2021 or recession 2008 comes? You will be withdrawing more units and you can be for sure that there will be atleast 3 times in every 20 years the market will crash by atleast 50% and the funds will get exhausted because the number of units you are withdrawing is much higher in bear market compared with bull market. Also 50,000 Rs after 20 years will be like you are spending 10,000 per month now; you will spend atleast 5X what you are spending now.
If you are planning to work till 58; Start SIP 1) 30% in large cap funds 2) 35% in MIDCAP funds 3) 35% in small cap funds Buy 2 funds for each sector and you will have more than your PF in the next 10 years; if you are ready to invest thrice your PF contribution in the next 10 years irrespective of market condition.
Dear Mr Ankur , Your videos are too nice motivating and worthy and you encourage for investments at early age of life. Would love to see video from you for creating wealth on investment strategies for age group of 48 to 50 years looking to create wealth now through investment and 15-20 years of vision may not sound practical or realistic for them
+1, right i'd love to see that as well. Have you explored hybrid funds ? I recently understood about them. Do research about those maybe would be helpful for you. Little safer than the flexicap/multicap.
Ankur sir Main aapka huge fan hu... .. Aapko last 3 momth se follow kar raha hu aapse inspire hoke maine 3 sip start ki hai... 15000 monthly 6000 icici bluechip main 4500 hdfc opportunity mid cap fund.. 4500 nippon india smallcap main please reply sir... Theek hai na..
Amazing video Sirji, I have to say that whenever I watch your video my confidence increases and I start to feel as I have already made crores of rupees and investment etc etc.. and bring that huge smile in us. Great information and sharing, Much appreciated.
Thanks Ankur for giving this knowledge👍 Although I already had knowledge on this, it still feels good to see you giving the knowledge. May be it's the way and enthusiastic in you makes it feel special to listen 🎉🎉
जो 25 साल के हैं उनके बारे में तो सब बात करते हैं और ये आसान भी है । लेकिन जो आज रिटायर हो चुके हैं और 65 साल के हैं, वो अपने surplus जमा पूँजी से considerable रिस्क लेते हुए mutual fund में invest करके कैसे 12 % सालाना income कर सकें, इस पर कोई authentic बात नहीं करता । आप करेंगे क्या ?
all are doing sip, that's good. Even I'm doing it. But all experts are saying to continue sip till 20-30-40 years to see the magic. abhi buddhe hoke itne paise ka kya karna hai. paise to mujhe abhi chachiye. Nothing against you ankur sir. You have earned crores in just 3-4 years via personal branding. Huge respect for you.
Great video! I really do have a question. For someone with less than $5,000 to invest, how would you recommend we enter the market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?
I've been trading by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
Do you give one to one advice to any beginner in investment? 😢 Im already embarrassed to ask this - your videos are extremely informative and enlightening!
Sir if market goes negative will this calculation works,for an example if some year it didn’t gave us 13% returns it goes to negative or like 6% returns Than what to do in such situation.
You're doing a fantastic job! I have a quick question: I have a SafePal wallet with USDT, and I have the seed phrase. (air carpet target dish off jeans toilet sweet piano spoil fruit essay). How should I go about transferring them to Binance?
@warikoo Please make a video about LTCG tax, section 54EC, capital gain bonds etc. in details, if possible. A good quality video on the topic is much needed.
Loved how you incorporated the NAV Units in the excel for better clarity. If you could also factor in the taxes on the sheet it would help. Also if you could elaborate a little more on the taxes we’d really appreciate it.
Agar 77 lac ko swp me n daal ke usko MIS me daal du 7% ROI pe to mujhe yearly 5,39000|- milenge yani 45k monthly aur Mere 77 lac me koi Kami nhi...wo 100% safe...to kaun sa scheme sahi h sir... Plz batayein..
the only big problem here unaccounted for is inflation , so basically 50k after 20 years wont be same as today neither will be same after 40 years thats the main point that you are missing , which means that the min req monthly will also increase but still decent investment plan nonetheless
Would love if you can clear the whole concept around what happens when you keep investing in already going SIP's with a lumpsum amount. What numbers are affected what are not and so on.
One has to add one more layer of calculation for the depreciating value of Rupee before finalizing the expected SWP. Rs 1 lakh today is not equal to of same value after 20 years. So adjust your requirement accordingly.
There is a bug in this SWP video; what if a corona 2020/2021 or recession 2008 comes? You will be withdrawing more units and you can be for sure that there will be atleast 3 times in every 20 years the market will crash by atleast 50% and the funds will get exhausted because the number of units you are withdrawing is much higher in bear market compared with bull market. Also 50,000 Rs after 20 years will be like you are spending 10,000 per month now; you will spend atleast 5X what you are spending now.
Very useful ! So to sum up, I have to pay monthly SIPs for a long period and then start selling the units from the age I want to start my income?? But my question is how do we know how many units are to be sold per month for, let’s say 75k Rs per month?
You need to create 8000000 corpus fund in order to get 75000 Per Month with a CAGR of 12% P.a You have a query related to Units Redemption. How much units sold require to get 75K For Example Today if 1 Unit cost = Rs 10 After 25 year with CAGR 12 % 1 Unit cost = 170 If you want to get Rs 75 after 25 years sale is 75/170 = 0.44 (approx) unit sold Balance unit remain is 0.56 unit.
Ankur, This is Nice in Excel World. But can you some time also show using SWP with some Broker and Mutual Fund as a practical so that everyone will understand how to setup a SWP. Please take this suggestion for your upcoming video.
Paisa nahi chahiye.. mann ki shanti chahiye..main aur mere pati 1 and half lakh monthly kamate hai par khus nahi hai.. kitne logon ko dekhti hu.. 10,000 monthly bhi kama kar khus hai.
Great analysis, thank you! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (behave today finger ski upon boy assault summer exhaust beauty stereo over). Could you explain how to move them to Binance?
I would like to add that the ₹ 75k income that seems lucrative now (when your subject is 25 y/o) won't be as lucrative when he turns 45. In these 20 years, assuming a 6% inflation rate, the value of ₹ 75k would be only ₹ 23.3k. And the example you took of never running out of corpus by withdrawing ₹ 50k/Month would be ₹ 15,590.24/Month in today's value. Also, we are increasing our income by 5% which won't even beat inflation that means that after 20 years you will be able to buy commodities/ things worth of ₹ 15.5k that in future won't even sustain. Only when he attains 55 years of age, he be buying things of ₹ 14,180 only.
Hi Ankurji , I am following you since last year it self ,I am from Goa, I like the content and to be practical , I require in this life cos the people who work in private sector they don't have security of the job . I feel proud to say that I started SIP after watching ur insta reels, I am following 2000 per month by bifurcating 4 parts , mid cap , small cap, gold loan and nifty 50. My age is 30 and I want to retire after 45-50 years that is after 20 years so , on the age of 50 i will be saved the Unit , can u tell me how to see that unit . Cos this is all new for me , thanks to you I am able to learn many thing.
Started investing in MF from 2 yrs after watching your videos.. Currently 2.55L invested and 78k returns.. Thanks bro... 👍🏻👍🏻 still following SIP 10500
Thanks Ankur. How is normal SIP different from SWP? Where we can keep selling the units in SIP at a certain age, based on the amount required. Seems like a similar concept but helpful.
Hi Ankur, can you please make a video just on taxes for mutual fund income? Covering stuff like whether you need to pay taxes if the net income stays below 2.5L, etc.
This video comes with an Excel sheet, check here: bit.ly/4cIyxvB
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
If you could make videos in English would be better
❤😂❤
Ankur bhai
How can someone invest if they have a low income .
If someone can only invest from say 1k - 3k .... How should one invest ?
🙏🙏
Hey bhai 100rs dena warriko
The Excel is nice but simplistic as investments are usually not that linear in nature. I started investing in MF 2 years back, and now I have increased my SIP 1.5x and will do the step-up after 2yrs and 1yr earlier, I did lumpsum.
It would be helpful if you would Calculate SWP as per B7 of Sheet1
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
Her name is “Annette Christine Conte” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?
In my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor
Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)
Could you possibly recommend a CFA you've consulted with?
I work with Rebecca Nassar Dunne as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon.
Excel sheet khelna is my best part of the videos... 😅❤
Excel khelne ke liye bhi dimag chahiye re choumu....
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
“Angela Lynn Schilling’’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
This is a disappointing video. Anything which talks about beyond 60 years of age goes into retirement bucket with different set of risk. The following risks (serious) are not covered:
1. Sequence of returns risk from markets. Early withdrawal from a low market can seriously erode capital
2. Market crash. This is always a possibility and recovery can take over a decade. It can erode one's wealth.
3. As one grows old, one needs more assurance given complications like dementia. The certainty factor has a high weightage.
Though SWP is a good tool, this must be considered as one of the tools. For a very long period (say 30-50 years) especially after working age must consider exposure to equity ~50-60% (or as one deem fit).
For 75,000 monthly income, we need to invest somewhere around 90 Lakhs.
10% interest will give you 9 Lakhs per annum.
90 lakh mujhe loan pe do main tumhe har mahina 2 lakh dunga
@@Ankitjaiswal-hd7pvkuch collateral ha to batau me dunga 90 lakh
@@StrongR-24meri biwi hai usko rakhlo😂
@@Ankitjaiswal-hd7pv 😆🤣🤣🤣
@@Ankitjaiswal-hd7pv Abe harmi 🤣🤣🤣👍🏻👍🏻🤣🤣😂
Atleast He Educate The Ppl Three Cheers to his passion 👍🏾
Pta h bank ke worker sab hota h...batate nhi...har business ka yhi h.. customer ko bhi batana kuch chij means....kuch ka gala katkar Dena...kamjor h tak tak hi respect karega ... esiliye barabari nhi karne dete h har chij me.. everyone everything
This man helped me understand the benefits of using credit cards and long term SIPs. A humble fan sir 🙏🙏🙏 Thank you for your videos 💯💯💯
Your video is really amazing....
If I had known ur channel 5yrs back I could have grown more and learned it...but it took me 5yrs to learn all the investment step by step...
But really hats off sir your classes are awesome ❤❤ Loved it.
I love he also reads our comments and make fun specially that LAAAKHH one!! 😂😂
Better if you can suggest for those who are 45 plus of age and I bet mass of the public resonate with me.
Yea I can, we wasted our youth and now struggling to save of old-age 😅
Why not today social media awareness is so widely available that one can easily get all the informations in time but at our time particularly who are born in 70s and 80s have not that privilege.
His majority followers are teenagers and those in 20s or early 30s.
If you are planning to work till 58; Start SIP 1) 30% in large cap funds 2) 35% in MIDCAP funds 3) 35% in small cap funds
Buy 2 funds for each sector and you will have more than your PF in the next 10 years; if you are ready to invest thrice your PF contribution in the next 10 years irrespective of market condition. I am a CFA( Just FYR...)
Thank you so much 💐
After watching your videos Started sip's from November 2022 in nifty 50 index fund..n its doing preety well...wen i see you i feel like you r my best friend 😊😊
Kon se app se start kiye
Jab market gire aur SIP negative mein aa jaye toh hopeless mat hona...aur SIP bandh mat kar dena
Ek aam ka ped 8-10 saal bad fal dena shuru karta hai
Nifty 50 index fund means SIP??
Which are sips please reply
Konse app se start Kiya?
@@ipshitaroy1279 grow app se Mr.warikoo calculate Kiya as sip calculator. You can try that.
Video start at 12:00 minutes
Tnx
😂😂😂😂
Real hero ap sir meri age 18 he ap bht ache ho or bht Acha gyan mil ta he ap se love you sir ❤️
This information is magic ✨
Yes it's difficult to put in practice, but if I can somehow pull this off, I'm in for a treat 😊
0:01 maine 2021 me 1000 SIP se start kiya tha & abhi lakh rs portfolio ho gaya hai, pata bhi nahi chala 😇
Mutual fund or stocks ?
Konse MF mai kiya hai ?
@@thesanxpran mutual fund me possible nahi hai magar stocks mein ho sakta hai
@@Acapellaaaajxjxnxnnxn aayein ? possible kyu nahi hai bhai ?
@@Acapellaaaajxjxnxnnxn🤡🤡
Atleast this guy is motivating us to start investing and providing such amazing content free of cost... Thanks sir for your guidance❤
When something is free u are the product 😚
"worry kyun? if warikoo", investment guru 😎 warikoo sir.
Am a college teacher in Botany from WB, Kolkata .. thank you so much .. hv learnt a lot from ur vdos .. so, positive n motivating .. I ws just doing SIP without understanding anything .. though its late, still started investing more in SIP & soon will go fr SWP too ..
Tk cr .. bye
Just wanted to understand, taking inflation into account at say 8%, INR 1,00,000 to be as starting amount for SWP 20 years later will mean today's INR 21,000 Only.
While the excel sheet works and is super helpful in visualizing SWP, while using the sheet please be mindful to enter inflation adjusted numbers to achieve a realistic number.
Please correct me if I have misunderstood the math!
This is very insightful, can you please explain the math on how to calculate inflated adjusted value of let's say INR 1,00,000 20 years down the line. I can use this to make my own sheet, thanks!
Sir i really love ur vdos,this vdo is awesome.I have suggestion that u make vdo for 45yrs who just started watching u n want to invest
Valuation of 50k won’t be same after 20 years.
50k₹ after 20 years is equals to 15,590 of today’s time (assuming 6% inflation). These number looks attractive but one should never neglect the current value future value aspect.
Rental yield is still the better option I feel.❤
Thanks...In 1975 my father watched his video and started investing Rs.10 each month. Now i have 5 bungalow and 1 Rolls Royce...I left studying after class 5 so that I can spend all the returns we received... thanks for motivating my father...
😂😂😂😂
lols
last wala SWP actually useful tha thanks warikoo bhai 👍👍
Wow ankur.. this video totally changed my mindset about money.. thank you for the clarity❤❤
1. Post Office Monthly Income Scheme
2. Senior Citizen Savings Scheme
3. Pradhan Mantri Vaya Vandana Yojana
4. Corporate Deposits
5. Annuity Plans
6. Debt Mutual Funds
7. Equity Share Dividends
8. Long Term Government Bonds
9. Real Estate
10. *_Systematic Withdrawal Plan_*
Very important post. Should be watched by more people. This should be common knowledge. Thank you so much for sharing the info in a clear and succinct manner.
There is a bug in this SWP video; what if a corona 2020/2021 or recession 2008 comes? You will be withdrawing more units and you can be for sure that there will be atleast 3 times in every 20 years the market will crash by atleast 50% and the funds will get exhausted because the number of units you are withdrawing is much higher in bear market compared with bull market. Also 50,000 Rs after 20 years will be like you are spending 10,000 per month now; you will spend atleast 5X what you are spending now.
I am in my late 40s with hardly any savings.. suggest something for 45+ plp too..
If you are planning to work till 58; Start SIP 1) 30% in large cap funds 2) 35% in MIDCAP funds 3) 35% in small cap funds
Buy 2 funds for each sector and you will have more than your PF in the next 10 years; if you are ready to invest thrice your PF contribution in the next 10 years irrespective of market condition.
This person should be made the finance minister of India...🎉😊
Thank you so much sir for explaining in a simple way with an example.
After watching this elaborate video I am going to start a SIP. Can you please advise me which SIP should I adopt.
Dear Mr Ankur , Your videos are too nice motivating and worthy and you encourage for investments at early age of life. Would love to see video from you for creating wealth on investment strategies for age group of 48 to 50 years looking to create wealth now through investment and 15-20 years of vision may not sound practical or realistic for them
+1, right i'd love to see that as well. Have you explored hybrid funds ? I recently understood about them. Do research about those maybe would be helpful for you. Little safer than the flexicap/multicap.
Is i am the only one jisko iski sare video mei same chez bol raha h lgta hai. Like if you feel the same
Some people say mutual funds are a scam, they aren't transparent about our return exactly what it's!! Do a video on this please!
Yes make on this topic.
Which stock how much money invest ?
Even if it's not transparent, the return is good as compared to fixed and rd
Thank you so much for this video Ankur !!!! ❤
sometimes I feel really jealous of young people who take advice from u. I want as lucky to get such advises 25 yrs back. Today I dont have that time.
Ankur sir Main aapka huge fan hu...
..
Aapko last 3 momth se follow kar raha hu aapse inspire hoke maine 3 sip start ki hai... 15000 monthly
6000 icici bluechip main
4500 hdfc opportunity mid cap fund..
4500 nippon india smallcap main please reply sir...
Theek hai na..
Radhe Radhe Krishn ❣️❣️❣️
Ankur warikoo is very very very very very very very very very good 👍🏻😊
Amazing video Sirji, I have to say that whenever I watch your video my confidence increases and I start to feel as I have already made crores of rupees and investment etc etc.. and bring that huge smile in us. Great information and sharing, Much appreciated.
Thanks Ankur for giving this knowledge👍 Although I already had knowledge on this, it still feels good to see you giving the knowledge. May be it's the way and enthusiastic in you makes it feel special to listen 🎉🎉
You are the one who motivated me to invest in mutual fund
Guru of India 🙌
Sach me aap excel se khelte ha... aur achha khelte ha. thnx for this valuable video to think differently
Jis din Markit girna chalu hue ye log koi bhi RUclips per Nahin dikhenge 😢
Thank you for wonderful tips and sharing your valuable knowledge.
जो 25 साल के हैं उनके बारे में तो सब बात करते हैं और ये आसान भी है । लेकिन जो आज रिटायर हो चुके हैं और 65 साल के हैं, वो अपने surplus जमा पूँजी से considerable रिस्क लेते हुए mutual fund में invest करके कैसे 12 % सालाना income कर सकें, इस पर कोई authentic बात नहीं करता । आप करेंगे क्या ?
Thank you sir this is really knowledgeable content ❤
Briliant video Ankur sir. Thanks for sharing this.
Ankur you the man, bro
I hope guys tune into
all are doing sip, that's good. Even I'm doing it. But all experts are saying to continue sip till 20-30-40 years to see the magic. abhi buddhe hoke itne paise ka kya karna hai. paise to mujhe abhi chachiye. Nothing against you ankur sir. You have earned crores in just 3-4 years via personal branding. Huge respect for you.
u need more money in your old age
You brought a smile to my face, SWP mystery unveiled. Thank u
Thanks for educating the laymen indians dude
Thanks Ankur learned something useful which be helpful for building my future.
Kis kis ko trading sikhna hai aa jao
UNBELIEVABLE❤❤
Loved your explanation, Sir. Thanks a lot. Also could you suggest some mutual funds that have a good return for some longer time.
Beautiful video, This video will be gold mini for all viewer if u do wisely.
Its truly possible. 😊
I have really downloaded the Excel sheet and started working on it...!!! Hope for the best..Happy retirement.
Excel sheets kaha se download kare
Your videos are always valuable and informative.
Thanks dear..❤❤
Great video! I really do have a question. For someone with less than $5,000 to invest, how would you recommend we enter the market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What’s your take on this approach?
I've been trading by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
Do you give one to one advice to any beginner in investment? 😢
Im already embarrassed to ask this - your videos are extremely informative and enlightening!
Great knowledge Sir
SCSS limit has been increased from 1.5mil to 3mil
Means ?
15 l to 30lakh
Your information given is correct I love you very much.
I want to more videos like this ❤
Very useful information sir, Thanks 🙏 🙏
Sir if market goes negative will this calculation works,for an example if some year it didn’t gave us 13% returns it goes to negative or like 6% returns
Than what to do in such situation.
You're doing a fantastic job! I have a quick question: I have a SafePal wallet with USDT, and I have the seed phrase. (air carpet target dish off jeans toilet sweet piano spoil fruit essay). How should I go about transferring them to Binance?
@warikoo Please make a video about LTCG tax, section 54EC, capital gain bonds etc. in details, if possible. A good quality video on the topic is much needed.
Loved how you incorporated the NAV Units in the excel for better clarity. If you could also factor in the taxes on the sheet it would help. Also if you could elaborate a little more on the taxes we’d really appreciate it.
Worth watching and listening, really happy and grateful
Agar 77 lac ko swp me n daal ke usko MIS me daal du 7% ROI pe to mujhe yearly 5,39000|- milenge yani 45k monthly aur Mere 77 lac me koi Kami nhi...wo 100% safe...to kaun sa scheme sahi h sir...
Plz batayein..
the only big problem here unaccounted for is inflation , so basically 50k after 20 years wont be same as today neither will be same after 40 years thats the main point that you are missing , which means that the min req monthly will also increase but still decent investment plan nonetheless
Would love if you can clear the whole concept around what happens when you keep investing in already going SIP's with a lumpsum amount. What numbers are affected what are not and so on.
@warikoo- Do you refer SiP as MF always?
If I stop monthly MF, will it still keep compounding?
If I want to opt ETFs, will it keep compounding?
Awesome video sir.......
but mera ek question tha .....units sell karney ki zaroorat hi kyo hai.....woh paisa FD mey kyo nhi daal detey ham...........Principal amount safe rahega....
please bataye...........
How did you calculate the units remaining column?
One has to add one more layer of calculation for the depreciating value of Rupee before finalizing the expected SWP. Rs 1 lakh today is not equal to of same value after 20 years. So adjust your requirement accordingly.
There is a bug in this SWP video; what if a corona 2020/2021 or recession 2008 comes? You will be withdrawing more units and you can be for sure that there will be atleast 3 times in every 20 years the market will crash by atleast 50% and the funds will get exhausted because the number of units you are withdrawing is much higher in bear market compared with bull market. Also 50,000 Rs after 20 years will be like you are spending 10,000 per month now; you will spend atleast 5X what you are spending now.
Hi, Would like to know investment options for money that I will be getting from LIC maturity. Do advise on that.
Very useful ! So to sum up, I have to pay monthly SIPs for a long period and then start selling the units from the age I want to start my income?? But my question is how do we know how many units are to be sold per month for, let’s say 75k Rs per month?
that is shown in the excel ,how much to sold and how many will remain
@@vaibhavsharma5588 Perfect! Thank you so much!
You need to create 8000000 corpus fund in order to get 75000 Per Month with a CAGR of 12% P.a
You have a query related to Units Redemption. How much units sold require to get 75K
For Example
Today if 1 Unit cost = Rs 10 After 25 year with CAGR 12 % 1 Unit cost = 170
If you want to get Rs 75 after 25 years sale is 75/170 = 0.44 (approx) unit sold
Balance unit remain is 0.56 unit.
You are awesome man !
kitne Units bechneka division ka calculation zarabhi samjha nay konto samjhata h kyaa????
Yaha crore ke niche baat hi nhi hoti 😂
😂😂😂 hahaha 🤣🤣🤣🤣🤣🤣🤣🤣
😂😂
Agar paisa kamana heh..to crore me he sochna chahiye naam...jibon me log lakh tak to vesse bhi pohoch he jaate heh😏
Baat sahi hai😂😂
To galat kya h isme Bhai
Sir, please make video on Tata Ethical fund and Tarus Ethical fund
Ankur, This is Nice in Excel World. But can you some time also show using SWP with some Broker and Mutual Fund as a practical so that everyone will understand how to setup a SWP.
Please take this suggestion for your upcoming video.
Paisa nahi chahiye.. mann ki shanti chahiye..main aur mere pati 1 and half lakh monthly kamate hai par khus nahi hai.. kitne logon ko dekhti hu.. 10,000 monthly bhi kama kar khus hai.
Great analysis, thank you! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (behave today finger ski upon boy assault summer exhaust beauty stereo over). Could you explain how to move them to Binance?
Sir SIP karna tik hai kya Nifty BEES ya ETF kharidna tik hai kuchh suggestion aapka
I would like to add that the ₹ 75k income that seems lucrative now (when your subject is 25 y/o) won't be as lucrative when he turns 45. In these 20 years, assuming a 6% inflation rate, the value of ₹ 75k would be only ₹ 23.3k. And the example you took of never running out of corpus by withdrawing ₹ 50k/Month would be ₹ 15,590.24/Month in today's value. Also, we are increasing our income by 5% which won't even beat inflation that means that after 20 years you will be able to buy commodities/ things worth of ₹ 15.5k that in future won't even sustain. Only when he attains 55 years of age, he be buying things of ₹ 14,180 only.
is the amount given by grow calculator inflation adjusted??
The most interesting part of the video is from 11:21min , thank you Ankur Warikoo for teaching us SWP so brilliantly.
yes
Hi Ankurji , I am following you since last year it self ,I am from Goa, I like the content and to be practical , I require in this life cos the people who work in private sector they don't have security of the job . I feel proud to say that I started SIP after watching ur insta reels, I am following 2000 per month by bifurcating 4 parts , mid cap , small cap, gold loan and nifty 50. My age is 30 and I want to retire after 45-50 years that is after 20 years so , on the age of 50 i will be saved the Unit , can u tell me how to see that unit . Cos this is all new for me , thanks to you I am able to learn many thing.
Excellent job Sir
Started investing in MF from 2 yrs after watching your videos.. Currently 2.55L invested and 78k returns.. Thanks bro... 👍🏻👍🏻 still following SIP 10500
Keep it up
May i know which mutual funds are best as I'm begginer
@@sindhu940 I'm investing in quant elss, nippon small cap, axis small cap, motilal midcap, parag flexi and jm flexi cap...
@@warikoo thank you sir... You are my motivation 🙏🏻🙏🏻
Thanks Ankur. How is normal SIP different from SWP? Where we can keep selling the units in SIP at a certain age, based on the amount required. Seems like a similar concept but helpful.
Accept using xl we can use swp calculation by grow it's easy to understand 😅😁
Hi Ankur, can you please make a video just on taxes for mutual fund income? Covering stuff like whether you need to pay taxes if the net income stays below 2.5L, etc.
What if I am a trader myself? Should I invest my money in SIPs and MFs?