What happens when a bank fails? (தமிழ்)
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- Опубликовано: 3 июл 2024
- When a bank fails, what happens to our money, loans and safe deposits? Explained in Tamil with English subtitles.
00:00 Intro
00:32 When does a bank fail?
03:50 FDIC
04:26 What happens when a bank fails?
05:54 What happens to our loans when a bank fails?
06:19 Safe deposit box?
06:27 What is the failed bank is not acquired?
06:47 What happens to uninsured deposits?
07:44 What happens to the creditors (bond holders)?
08:09 What happens to the stock holders?
References:
www.fdic.gov/consumers/bankin...
www.fdic.gov/resources/deposi...
www.investopedia.com/terms/b/...
positivemoney.org/how-money-w...
Related Episodes:
USA Bank crisis: • USA Bank Crisis (தமிழ்)
GFC: • Global Financial Crisi...
GFC-2: • Global Financial Crisi...
LinkedIn: / vijay-mohan-sn
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Instagram: / vm.investmentinsights
Web: vijaymohans.com/
#VijayMohan #InvestmentInsights #bankfailure
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.
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Love your slang equally as your content... 🎉🎉🎉
Great teaching, thank you
In the way he talks and explaining the concept is awesome 😎💯
Thanks for the simplified explanation boss..
Nice explanation with graceful charisma... 🎉🎉
Very informative sir. Thanks
Sir awesome explanation this has been a great learning ❤
Hello sir your explanation is easy and simple to understand. Thanks for your initiative…
Very clear explanation
Excellent simple explanation across both SVB episodes. Echo the thoughts from other comments about your interview with Rahul. Great to hear your journey and we can pick some leaves out of your book. 👍
Well explained !
Very well explained sir
Thank you so much Vijay 😊
Nice explanation. Need a video on explaining the plunge protection team in the US and their working behind the scenes. Today also I guess they came and protected (manipulated I should say) the market from crashing.
Great sir 💯
Excellent video and great explanation. All the bank policies are streamlined in US. There only rich take more burden, middle class and lower middle class are spared. Also they follow another good policy which is called progressive taxation. More earnings more tax applicable. But in India a person earns 11 lakh inr per annum pays 30% income tax also a person who earns 110 lakh inr per annum or more also pays 30% tax which is very rude and destroys or at least hurts a lot lower and middle class category
Your the good explainar
5:59 - super expression Mr. Vijay #beeyem
Summary : If you have X amount as bank deposits and maximum insured amount for each bank is Y, we need X/Y different bank accounts (if X>Y and put maximum amount of Y in each bank). One account is enough if your X
Awaiting for "Parthathum Pidithathum" video sir, please make it every week if possible.
Super sir❤
Thanks
Govido... Goooovindo... Sir in this situation what to do... I mean in case of uncertainty prevails.. people say diversified investment helps.. when banking sector gets affected all other sectors which are tied to it directly or indirectly will also be affected.... please suggest / share your POVs. Thanks for the clear explanations in your video...👍
Congratulations! I went to my bank yesterday to close my account. I was told they did not have the cash to close it. (Only 318,000.00) I was very very upset and called the police. The police showed up and they eventually came up with my funds. If ANY bank can not come up with that amount in CASH within a few minutes, something is wrong. I am so glad the police helped me get my cash out. I went to the local coin shop and spent over 80K in cash for silver. I will be spending another 100K today in Dallas Texas for silver at a bullion dealers spot.
Gurunadha! Video for Health insurance in India please 🙏
Brokarage (grow,Angelone,upstocks,zerodha)Dhivaal aana Namma stocks enna aagum 🤔
Your stocks are in your demat account managed by either NSDL or CDSL, it's not held by any brokerage firm. your stocks are safe in decentralised form.
@@jayakanthanmani4793 Thank you :D
But your money which was not used for purchase of any share held in broking app will fly away with the broking company
Need a detailed video on this, because Anand Srinivasan highly recommend against these apps quoting to such issues could happen
@@MukeshKumar-kq1st First week of every month brokerage should transfer client's unused funds to thier bank account. It's SEBI's rule
Super.sri
Vijay can you explain about Derivatives
You talk like Sri Lankan tamil, I wonder if you have Sri Lankan friends in USA. Anyhow, your knowledge is very helpful.
Nice one! In india , banks are insured upto 1 lakh only I guess. Any thoughts or suggestions for people with high deposit on fd or other in indian banks?
Bro, 2500 shares in credit suisse. Around 15000 dollars pushvanam. Conversion announced by UBS @22.48 shares of CS to UBS. But still have to wait till 2023 end for that to happen. For me, this is second time loss. In 2008 also lost 25000 dollars
Sir, What about life insurance schemes offered by bankrupt bank , can we get back our maturity amount?
Also Sir it is said that people with B1 and b2 visas are also allowed to stay, work in US. Is it true,?. If so please share a video regarding this. I'm sure this will benefit all
இந்தியா, சீனா, தென் ஆபிரிக்கா,பிரேசில், ரஸ்யா இந்த நாடுகள் எல்லாம் சேர்ந்து பொதுவான ஒரு நாணயத்தில் வர்த்தகம் செய்வதற்கும் 2018 ல் இருந்து அதை உருவாக்குவற்கும் உழைத்துக் கொண்டிருக்கிறார்கள் என்று செய்திகள் சொல்கின்றன.. இது எவ்வளவு சாத்தியம் மற்றும் இதனால் டொலரின் செல்வாக்கு என்ன ஆகும் என்பதை பற்றியெல்லாம் ஒரு பதிவு போடுங்கள் Vijay Mohan.
Current account money enna aagum??
👌👌👌👍👍
👌👌👌
Anna what will happen stock broker bust
We loose all money
What will happen to PPF accounts if the linked bank is bankrupt
Sir, u said the healthy bank which acquired the failed bank collects all the assets(home loans) from people, why cant the healthy bank be responsible for the liabilities(depositors money) too, in addition to fdic, it can give rest of money?
Hi Sir, if we deposited some money in Mutual fund and mutual fund house goes bankrupt or merged to some other mutual fund house due to SEBI regulations, what will happen to our deposit.please reply
Hi Vijay.. please make a video on how the index list like nifty 50 is revised. How will the stocks sold for the company left the list.. Why adani group companies are still listed in nifty indexes even after a major downfall. As index funds are highly recommended now it is good to know on how it operates. Thanks
Sure. It is in my To Do list.
Creditor vs depositors whats the difference
Two businessmen in California talking to each other.
First: My wife divorced me and took half of my money.
Second: You are lucky. My bank took all of my money and I still have my wife. 🤣🤣
Hi sir,
5 lacks insurance amount applicable only for FD amount or Saving amount.
both
What will happen to the securities accounts with brokers (e.g. ICICI Direct accounts) if the banks fail ?
Check the 10th question here: ruclips.net/video/MOBNpZ_T5SU/видео.html
So when a person retired and deposited the retirement amount in a bank. If the bank got bankrupt after for him this situation is very high risk. So the person has to split the and deposit the retirement amount. Correct me if I’m wrong.
That is true.
Sir u are saying that if bank fails the depositors money will be given by the healthy bank which aqcuired the failed bank if not the fdic will give the insured money, is it correct?
That is correct.
Anna I am in uk here stock broker pay dividend ever year . If we reinvest divident Manually every year powerof compound work same as normal growth
The power of compounding concept is just to understand how our investment can grow exponentially over time. A 10% growth of 10,000 is 1000 (resulting in 11,000). The next 10% growth of 11,000 is 1100 (resulting in 12100). We don't have to complicate that concept. The more the time you give your money to grow, the better its growth will be. So yeah, reinvesting the dividends helps. But just because you did not do it, it does not mean you are going to lose the growth from your original investment. It still grows.
6:02 😂🤣
6:01 ROFL 😂😂😂😅😁🤣
Sir. Mutual fund expense ratio yearly deduction ah thaana represent pannum ?
They deduct every day by the end of day (1/365).
@@InvestmentInsightsTamil
Sorry for repeated comment.
1/365 means ?
@@vickysmart75 They charge the yearly fees, but for one day (1/365) depending on the end of day NAV.
Appo bank-oda shares vanga koodatha sir.. 🤔😳
I'm new to investment.... I need a clarification in Insurance....
Let's consider there's a company called NM Life Insurance... There I'm purchasing a Term Life insurance policy as per your guidance 😁...
Due to some difficulties NM Life Insurance company become Insolvent or bankruptcy (hope my word is right😅) what will the Insurance company now do for the customers????
(Apologies if any mistakes in English Hope you can Understand my English 😅)
Your english is more than fine. :)
If it is a term insurance, we do not have to worry about them going bankrupt. We have to just buy a different term insurance from different insurer. As our money is not locked with them like in a ULIP, their bankruptcy is not going to affect us. But in reality, when an insurance company goes bankrupt, the policies will be acquired by another one.
@@InvestmentInsightsTamil 🥰Thanks for your reply sir.... Love from Esakki Sankar, Tirunelveli. திருநெல்வேலி
உங்களை சந்தித்ததில் மிக்க மகிழ்ச்சி. இந்தியாவில் இருந்து index fund invest செய்வதும், USA இருந்து index fund invest செய்வதும் சமமான லாபமா?
India Vs USA: ruclips.net/video/Z2cgS0fiK9E/видео.html
Ayya Redfin nu oru site US la erukam adhu all property value soluum solurangaa unmiyaa
unmai thaan. Redfin, online broker. Market la irukura houses for salea paakalaam. Zillow.com layum property value paakalaam.
@@InvestmentInsightsTamil ungaa value pakatum naa 😁😁😁😁
@@InvestmentInsightsTamil 🙏
One more trick is there.
If we diversify our 20 L money into 4 parts and invest each 5L in 4 diff banks. 2 out of 4 banks got bankrupt means, we will get only one 5L.. Maximum of 5L insurance only.. 😢😢
No, actually maximum insurance of each account is 5L, so we will get 10L as insurance in this case so no lose
Pesama panatha bedku adiyala vachikutu thoongalam…🎉🎉🎉
US ல ஒரு மாசத்துல கொடுப்பாங்க சரி. இந்தியால DICGC எத்தனை நாள்ல பணத்தை திரும்ப கொடுப்பாங்க?
வருஷ கணக்குல அல அலனு அலையனுமா?
Yes you are right, it can even take 10 years or more also. It depends on the bank aquiring it and also the terms it agreed when taking over the bankrupt bank.
Anna What about the bank's share holders 😢 .
Check the last chapter.
It's 😂😂😂gone bro
Hey Alexa... Play voice of Sangu 🐚🐚🐚
Patta naamam Brother..
Good evening sir, I am from Karnataka,
I would like to invest 5000/m IN SIP mode in mutual funds , I selected as below
Large cap-1
Index fund-1
Mid cap-1
Samll cap and Flexicap 1 each, Expected return 15% terms 10 years
Please suggest
My suggestions are already here: Equity Portfolio: ruclips.net/video/KdCs3EWGJvQ/видео.html
Thank you sir ♥️
6:02 😂😂😂