If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7 Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. 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.
I have question @warikoo you should include this question that if 1 of member of couple may inherit house in future does it necessary to buy house. As house inflation is 8% and nifty 50 normally gave 10%. Why couple want to take low return asset.
Don't generalise the whole generation. There are still majority of 28 30 year old who spent their entire youth in preparing for a govt exam and couldn't crack it
Seriously Man. But I would say it's a mix there are still people like us out there and trust me Noone is wrong. This guy even after saving do much does not look relaxed amd wants suggestions to improve returns 😂😂 rula dega yeh banda.😂
In all these videos, we have ignored the cost of child education and inflation on it.. private school fee + tution fees .. these are very costly in any metro
Salary will also increase and also the extra 25,30 thousand which was left after every month's expenses and investment will be enough for children school fees
This is a picture perfect scenario for this guy...I mean good IT job, marriage at 26, good take home, monthly savings, investments etc...there is a very large portion of population who are from a lower middle class backgrounds...my suggestion is to bring in people who are really struggling to manage their finances and make them the future crorepatis...tabhi to jeetega India :)
Story of all finfluencers nowadays...if I see crore word in thumbnail I won't see the video at all...This video also I did not see..Just saw the comments 😅
@@MysuruHuduga_0004 Why are influencers normalizing mutual funds so much in past decade? in 2005/2006 mutual funds were early & not matured, so it was talked as risky investments. THese mutual funds are fueling the growth of stock market growth. No one is investing in old methods like gold/real estate or even stocks? Why no one talks about 1. Expense ratios of AUM, decent expense ratio is 1% for good fund, so by end of 10 years if portfolio is 10 cr, what is expense ratio charges deducted? is it like 10 lakhs per year? 2. Exit load of any mutual fund, is 1 % 3. There is also long term capital gains for the income of these funds. 4.Only recent post covid led growth after 2019 to 2022 when NAV values were very less, when ppl stayed invested have seen growth muliplied by 3 to 4 times. 5. What was growth of these NAV's before 2018? 6. ALways influencers giving ancedotal examples of ppl who have stayed invested for more than 15 years in same fund and have seen ther total grown from lakhs to crores, but how many ppl in total have stayed invested in funds since they got started say 1995 or 2000's? 7. May who ppl who forgot or dead have stayed and it is hardly 10 or 15 ppl for any given fund.
Picture perfect nahi living the classic programmed life. Graduate, do a job, earn some money, marry, buy a house and some liabilities, get trapped in the corporate trap of chasing money & promotions, struggle to retire, die.
in case anyone is wondering their CTC it should be around 22 LPA for guy & 20 LPA for his wife. Considering PF is 12% of basic and basic is 50% of CTC (usually for ctc above 15 LPA)
45 age me ghr lijiye indore ya banglore me ....50 age me retirmnt swp se full enjoy nd growth of investmnt also ....life me mauj hi mauj.....sahi age me sahi income aur sahi investmnt ...age k sath ...income k sath ...aage bdhte rahiye ....warikoo sir ki planing ekdm correct hogi ....apke advise se bahut youngstrs ko motivation mil ra hai 🎉🎉🎉🎉
first buy small house which has around 50K EMI, rest 50K Invest in market (SIP). This will add two fold growth, your house is there (peace of mind), and also you can trade that house for buying bigger house with some portion from corpus or loan. In India home loans should be used as leverage, we can't rely heavily on markets and delay satisfactory things for older age :)
Sir m 150 rupya kmata hu kitne ki sip kru ek crore dekhne k liye Edit: bhaio sbhi ka dhanyawad salah dene k liye abhi maine sip suru krdi h or sip calculator 100 saal dikha rha h 1crore dene k liye dua kro meri umer 125 saal ho
@@mithleshgupta8668 While no one has crystal ball, I would make a guess that with new Direct Tax Code, there won't be any concept of "capital gains" in next 5 years.
From the response of Amod it is quite clear that he can not digest investing 1 Lakh in the market per month. One can push in that kind of money in the market only after he has experienced the market over at leat 2 - 3 yeras .
Ek bohot bada scenario miss kar dia - Child. His wife may have to leave jobs for a while, they may have to move cities, they may not even be able to sustain the 1 Lakh SIP per month, first 1-3 years, expenditures gets doubled, after that school scenario will come into picture, and by the time of 20 years they will need money for higher education. life excel se nahi chal pati unfortunately.
One Question: If he buy the house after 15 years, in that case he will be rented next 15 years. So now he is paying more them 3+Lac in his rent and it will be increased 10% YOY. What about this money? At the end of day where his rented money is calculated?
Why?? Most of the Bangalore population is earning around same bracket. I am glad that Ankur is discussing finances for people from different economic backgrounds.
I think Ankur missed a very big point - Given the couple's income, they will not be able to spend 10 years in same shit hole. They may want to upgrade and may cause huge spike in rent expenses.
Also, real estate in Bangalore has grown by approx. 13.5 P.A for last 5 years and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
They won’t be in the same salary either in the next 10 years and he is keeping a buffer in the balance that they have after the expenditures in my understanding
@@ganeshseetharaman5625 This is very debatable and I am also from IT field. I think IT services will become a commodity in the age of AI. Future growth will be muted.
Some basic flaws what about family planning children cost at the later stage of life, what about inflation and cost of living , what about unpredictly of job market??
sir when i opt for an sip , i have 2 options 1) using investment apps such as groww , zerodha etc etc 2) using my bank's internet banking so which option should we use to start an sip ?
Banks ke website pe regular funds hote hey mostly. Check kr lo if direct hey to koi farak nai pdta kahi se kro invest paise to mf company ke paas hi jayegi. And keep checking your investment on mfcentral once a quarter you should be good
Invest 15 L each in 2 plots on the Indore Ujjain road. 1 plot per year. With the metro coming up there, this will give you a return of 20-30% per year. It's not liquid, but risk is lower than stocks. In 5 years, you will be able to sell both of these for 1 cr for the down-payment. Continue your sips and you'll have another 1 cr in your equity corpus. You'll be able to take the house in Bangalore.
@@GoCatchEmAll One should invest in real estate only if they have some insider news especially for land appreciation, which means they must join any political party. Most likely metro or highway coming up would be known before hand.
@@lordvold9486 this was true 1-2 decades ago but not today. With so many development projects going on all you need to do is invest in an area where you feel there is a potential of growth and most likely that area will grow.
Itni salary aur itni savings mei ye bahut kuch kar sakte hain. Kharche aur thode cut karo..Agar mai hota toh I would definitely invest more than 1.5 lakh per month in shares..SIP nahi.. keep saving in 3 blocks and har market fall pe 1 block k shares lelo. Har bonus mei international travel karo and har esop increase ka paisa bhi shares mei lagado. Bahut safe life se fayda nahi hai..he already has a super safe life
Assuming Real estate growth 8% and where as small cap growth 18% for next 15 years, just based on past few years data is not correct. In Bangalore post covid property rate has increased by ~30% per year. Same for rent as well.
He might have used on-paper data for real estate...which is far from reality. When he will go out to purchase a house....he will know the difference btw registry amount and actual amount.
True, real estate in Bangalore has grown by approx. 13.5 P.A and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
I donot think one could be able to buy at house for 3.67cr in blore in 5 yrs from now lucky to be able to get anything below 5-6crores in decent locality and builder
It may have been the case for the past few years, but 10% percent is a better number in the long run, also 30 percent is much beyond nifty returns in the past decade, or yearly hikes of top tech companies. IT is what is pushing the rates high, if IT people are unable to buy houses who will buy then?
Appreciate Ankur if you could come up with a video on the momentum index fund , are they riskier or should we invest in those funds besides the traditional index funds
@warikoo One thing which always confuses me is : growth rate of housing i.e constant 8% or basically any number lower than equity market growth. In long term with family and office location proximity the options i.e supply of housing becomes short hence housing can be appreciated by value greater than assumed number. Take an example of Mumbai or Bangalore now the saturation level in prime areas is too much. Does that keep this growth rate at 8% ? Can you make a video just to compare the housing market rate of prime locations in metro cities of India and then compare them with Equity financing ?
Loved this money matter video Ankur, especially the guy in 28 years of age is rocking with such wisdom, knowledge and the investment he has already, absolutely amazing to see this rare side.
Hi Ankur, I have purchased your course and the course video is not working. Where can I get in touch with this query. I don’t seem to find any contact number or person to address this issue in your webveda website
@amod If you are sure that you want to purchase your house in Bangalore only and not In Indore. Then my best suggestion would be. Bangalore is getting good Metro connectivity. After 10 years most of the prime areas will have good metro connectivity. The metro connectivity route is already out in public. you can go far about 10 to 15km from prime location and purchase a property there now which will be pretty cheaper now than later once the infrastructure is up. Go for Tier1 or Tier2 builder only, with in 1.5CR limit. Areas like Yelahanka, Sarjapur, Hebbal.
Things that are probably implicit but still could be considered: 1. Inflation on expenses. Hopefully the salary growth rate over the horizon mentioned in the video beats inflation. The base SIP amount that he started with was the difference between income and expenses. Hence this is a key consideration and IMO Is taken into account implicitly. 2. There will be additional expenses that might come their way, kids and the expenses associated with that, which might strain this a little, which also can be taken care of with salary growth rate. 3. Finally, that India as a market is fairly stable and keeps growing, 12 percent returns is based on that
I am a bangalorean and I own one flat and a residential building rented out. I feel I am eligible to place my openion. I feel booking an underconstruction or new launch apartment and taking a loan for the same is much better. Your family will enjoy perks of owning a home and ypu will still be spending 80k to one lakh a month on EMI. Under construction flats will be much affordable and can get one under 1.3 cr for a 3 BHK.
Factors not accounted for - taxes on long term capital gains, kids education, vacations, any home liabilities. Apart from these mental burden of renting for next 15 years, looking for new house for rent every year or two, shifting stuff. Best time to buy a house is now. Not a good suggestion at all by Ankur Sir.
It doesn't take into account kids expenses. If they have kids then the mother is not working and their salary cuts into half so 1L investment is not scalable.
If I would have been at Amod's place I would have kept living in Bangalore on rent and would have invested in Indore where Real Estate would be at much more realistic rate (considering real estate is your thing).
Sir , Mi apki sari video dekhti hu ,bahut hi informative. Rhti hu ,mai chahti hu ki ap ek video sip and gold ke intrest ka comparison krte hue banye kitna % gold mai Invest krna chahiye . Kisme return Jayda milega gold ya sip ....
Brother , start investing in Indore now after 30 years your properties in indore give you stability and tension free life than you put all saving in share market for 15 years and sleepless night
@@balajikamalesh3338 It's because if he actually wants to rent a house that costs 2Cr in Bangalore today that rent amount will be easily between 70-90K per month with a monthly 10 percent increase and 3-6 month security deposit. This is primarily the reason a lot of Millennials and Gen-Z are opting to buy a property instead of rent it. Don't take it is an investment, it is for consumption. Also, real estate in Bangalore is grown by approx. 13.5 P.A and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
Appreciate the suggestions and time taken to detail this out , @warikoo However, I would like to put forth the figures of properties here in bangalore - all the developing areas like whitefield, varthur, sarjapur , north bangalore are charging a bomb when it comes to 3 bhk flat . An underconstruction Property bought for 1.7cr in aug 2023 is worth 2.3cr today and there are newer ones are sold for 2.5cr to 2.8cr for a 3bhk in a reputed builder . I dont agree with the fact that prop price increases by 8% every year . Nursery fees for next AY 2025-26 in these areas are ranging anywhere from 1.9 lakhs to 2.5 lakhs a year and fees hikes without saying by 8-10% every year Rents in a gated community for that matter also increased by 20% in june 2024 while it was mentioned 5% in the agreement .
Sir meri do betiya hai bohot tension hoti hi kaise unki shaadi and padhai hogi kuch bata to sir ab age bhi 35 ho gayi hai pehale investment ka koi knowledge bhi nahi tha to kuch kiya bhi nahi 😢😢😢😢
Sir please make video on education loan .2024 for mbbs students . Which expenses are covered . Expenses covered other than tuition fees and college fees . The other expenses like traveling books laptop etc
Dear warikoo sir...avi jo ubit coin mei 15% ka income wala sceme chal raha hei..yeh mathang machaye huye hei...plz make a vdo on this topic..yeh SCEME HEI YA SCAM
Ankur sir, I am regularly investing in index sbi nifty fifty mutual fund sip for past few years. I had came to know about expense ratio. Considering this if I change my investment to a Navi nifty fifty index fund same fund different amc. I am keeping the corpous accumulated in sbi itself but new sip in Navi. What is your opinion?
Just for the info realestate is growing way more than 8% in Bangalore, me and my friend bought a flat 3-2 years back and now in current market we can sell in double price so basically after a 10 years 2.5 cr property will cost him 20 Cr not 5cr 😅😅🤪 this is the ground reality
This post doesn't assume lifestyle inflation. Rent increases, expenses go up ...this is paper plan,not attached to reality. And trust me you don't buy house at 45
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
A lot of folks downplay the role of advlsors 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 one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Svetlana Sarkisian Chowdhury 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..
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
We are missing the point here that once he owns the house, he will no longer have to pay the rent and that rental expense saving could cover atleast 50% of the monthly EMI A lot of other factors were missed when making a calculative decision
Why don't he consider increase in rent and increase in personal expenses like he'll be the father in 2-3 years and his child's expenses will occur like school fees is too High and increase with the age also the expenses will increase with inflation.
There are people who are earning just 10,000 INR per month without any scope of growth and burdened with responsibilities. Can you explain how they can buy 2.5 Cr home. I guess the biggest factor is being at the right place at the right time. and no one talks about it.
With this kind income at 28, one should adopt for buying land dispose after 5-6 years, invest that in rental income yeilding property. Instead of sip in mf, he can opt to sip in diamond. Invest 1 lakh rupees every year for 5 years. Invest sip in blue chip shares like drl, hal, infy. Also invest in dividend yield shares, when the market crashes in 2025. Ankur, change your strategy.
Isko call me ake sabko ye btana tha kya ki ye log 1.5 lakh savings kar rha hai. And Ankur kindly pick those people who need your help. This guys is already settled and handsome savings as well.
I won't recommend trading, because, it has nothing to do with logics or learning. It's just betting and predicting. I have ended up loasing money after learning many concepts. PLS BE AWARE.
I live in Bangalore, I recently bought house in the prime location of Bangalore, I am into marketing, now I am thinking to move to Dubai permanently by leaving my current job, wanted to know if this could be a correct decision
In one of your videos I noticed you have two PMS services in the company portfolio. Can you please make a detailed video on PMS. review some performance data that is available in the public domain....may be share your experience.
with a combined salary of 2.5-3L spending 1.3L is already a biggest problem, with no kids and with a goal of buying a house. from planning to buy a house in next 5 years to then moving it to 20 years, it lost the meaning of the video
If you wish to be part of the Money Matters series, please fill up this form: forms.gle/Tmbo2nUTnhn9vjpG7
Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
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.
Sir Mya 2 bar form fill up kar leya please reply me
@warikoo hearing a lot about swp. Can u pls do some videos around swp. How to invest and how to choose swp.
excel sheet excel sheet khel raha hai😂😂😂😂
I have question @warikoo you should include this question that if 1 of member of couple may inherit house in future does it necessary to buy house. As house inflation is 8% and nifty 50 normally gave 10%. Why couple want to take low return asset.
Sir abhi Jo rumer chal raha hai Direct Tax code ke application ke bare mai. Pls is ke bare mai ek vdo bana dijiye sir.
This generation is so well planned. Whn i was 28, I had no clue of this.
Good Luck |||
Don't generalise the whole generation. There are still majority of 28 30 year old who spent their entire youth in preparing for a govt exam and couldn't crack it
When I was 28 I didn’t even had a proper job 😅
@@namansharma3381 yes you are right. They will suffer later to find even a 40k salary job
Seriously Man. But I would say it's a mix there are still people like us out there and trust me Noone is wrong. This guy even after saving do much does not look relaxed amd wants suggestions to improve returns 😂😂 rula dega yeh banda.😂
Yes, I have same thought on mind. This guy is very much sorted in age of 28 !
In all these videos, we have ignored the cost of child education and inflation on it.. private school fee + tution fees .. these are very costly in any metro
AGREED, Child education is the biggest expenditure for a new family.
Salary will also grow !
How much will his salary be like after 10 years?
Salary grows hardly 5% yearly spmetimes not even that.
Salaries get saturated at some times only increase when you switch or get promoted
Salary will also increase and also the extra 25,30 thousand which was left after every month's expenses and investment will be enough for children school fees
This is a picture perfect scenario for this guy...I mean good IT job, marriage at 26, good take home, monthly savings, investments etc...there is a very large portion of population who are from a lower middle class backgrounds...my suggestion is to bring in people who are really struggling to manage their finances and make them the future crorepatis...tabhi to jeetega India :)
Agar sab crore pati banaaye toh duniya kaise chalegi
Story of all finfluencers nowadays...if I see crore word in thumbnail I won't see the video at all...This video also I did not see..Just saw the comments 😅
@@MysuruHuduga_0004 Why are influencers normalizing mutual funds so much in past decade? in 2005/2006 mutual funds were early & not matured, so it was talked as risky investments.
THese mutual funds are fueling the growth of stock market growth.
No one is investing in old methods like gold/real estate or even stocks?
Why no one talks about
1. Expense ratios of AUM, decent expense ratio is 1% for good fund, so by end of 10 years if portfolio is 10 cr, what is expense ratio charges deducted? is it like 10 lakhs per year?
2. Exit load of any mutual fund, is 1 %
3. There is also long term capital gains for the income of these funds.
4.Only recent post covid led growth after 2019 to 2022 when NAV values were very less, when ppl stayed invested have seen growth muliplied by 3 to 4 times.
5. What was growth of these NAV's before 2018?
6. ALways influencers giving ancedotal examples of ppl who have stayed invested for more than 15 years in same fund and have seen ther total grown from lakhs to crores, but how many ppl in total have stayed invested in funds since they got started say 1995 or 2000's?
7. May who ppl who forgot or dead have stayed and it is hardly 10 or 15 ppl for any given fund.
He has taken such cases as well
Picture perfect nahi living the classic programmed life. Graduate, do a job, earn some money, marry, buy a house and some liabilities, get trapped in the corporate trap of chasing money & promotions, struggle to retire, die.
in case anyone is wondering their CTC it should be around 22 LPA for guy & 20 LPA for his wife.
Considering PF is 12% of basic and basic is 50% of CTC (usually for ctc above 15 LPA)
It's a great salary looking at his age. He is going on right path by investing at this age.
They are earning way better than others at their age. The combined LPA must be 44 to 46Lac that too at the age of 28 😮
There are many guys in IT getting 25or30LPA at age of 25
There are guys getting 60 to 1cr in companies like amazon ,Google and Microsoft in hyderabad
Putting all ur savings in stocks is like putting all eggs in one basket.
Purchase a plot in Indore +
Purchase a 1.5 cr flat afer 1 year.
45 age me ghr lijiye indore ya banglore me ....50 age me retirmnt swp se full enjoy nd growth of investmnt also ....life me mauj hi mauj.....sahi age me sahi income aur sahi investmnt ...age k sath ...income k sath ...aage bdhte rahiye ....warikoo sir ki planing ekdm correct hogi ....apke advise se bahut youngstrs ko motivation mil ra hai 🎉🎉🎉🎉
30 years job bhi rehna chyiye bhai ....corporate life /jobs are risky u should consider that also...
first buy small house which has around 50K EMI, rest 50K Invest in market (SIP). This will add two fold growth, your house is there (peace of mind), and also you can trade that house for buying bigger house with some portion from corpus or loan. In India home loans should be used as leverage, we can't rely heavily on markets and delay satisfactory things for older age :)
Sensible, practical advice, beautiful narration, good research, perfect! Thanks for sharing your wisdom!
Ankur please upload more daily vlogs 😅
Thanks for inspiring us
Sir m 150 rupya kmata hu kitne ki sip kru ek crore dekhne k liye
Edit: bhaio sbhi ka dhanyawad salah dene k liye abhi maine sip suru krdi h or sip calculator 100 saal dikha rha h 1crore dene k liye dua kro meri umer 125 saal ho
50rs ki karo
Bhai tum life enjoy karo😊
Na bhai 15-18,000/- ka sip karo
Increase your income
Bhai itna amir h Tu tujhe sip ki jarurat ni h
We also need to consider LTCG at time of withdrawal of large corpus after these years...surely it would be much more than 12.5% then...
It's exempted under section 54f
@@mithleshgupta8668 While no one has crystal ball, I would make a guess that with new Direct Tax Code, there won't be any concept of "capital gains" in next 5 years.
@@mithleshgupta8668 not on equity / mutual fund amount right
That smile from Ankur when Amod mentioned ki Rs 50000 ki RD hai @8:39 ! 🤣
It would be better if these guys have podcast after 10 years to check where both stand? with terms to consultant view thought and person execution
Very matured and Responsible boy. Impressive
From the response of Amod it is quite clear that he can not digest investing 1 Lakh in the market per month. One can push in that kind of money in the market only after he has experienced the market over at leat 2 - 3 yeras .
Ek bohot bada scenario miss kar dia - Child.
His wife may have to leave jobs for a while, they may have to move cities, they may not even be able to sustain the 1 Lakh SIP per month, first 1-3 years, expenditures gets doubled, after that school scenario will come into picture, and by the time of 20 years they will need money for higher education.
life excel se nahi chal pati unfortunately.
Super point..happened with many couples..or in case wife is not leaving the job then expenses of hostel permanent maid etc. Increased considerably
Also medical expenses. Child is another individual person who will incur expense, medical, travel, school fee etc. Unless they want 0 kids.
income me bhi changes aa skti ha bhaut jyada ...
Heard of maternity leave? Salary shuru rahegi for 9-10 months or even a year provided she is in a good company
@@DEMON-tx1dz Haan agar aajaye Toh achi baat hai, kal inflation bhi aa sakta hai Aur job jaa bhi sakti hai 🤷🏽♂️
One Question: If he buy the house after 15 years, in that case he will be rented next 15 years. So now he is paying more them 3+Lac in his rent and it will be increased 10% YOY. What about this money? At the end of day where his rented money is calculated?
Thank you sir for making this video. Your video helped with a lot regarding Own House Investment Strategy.
40 years gone and learning about this now. :(
Me bhi😢
Pick someone who is in need and really struggling to keep up with finances. Not someone like him
Exactly 💯
Maine to iski salary sun k bye kar dia 😊
Why?? Most of the Bangalore population is earning around same bracket. I am glad that Ankur is discussing finances for people from different economic backgrounds.
@@tanupriyajoshi1292 It's not about earnings it's about financial knowledge. That guy looks knowledgeable and already sorted in various aspects.
Bhai to me bas bhiakari ka video dekhunga, koi 10,000 se jyada kamaya to wo jyada ho jayega 🤡
I think Ankur missed a very big point - Given the couple's income, they will not be able to spend 10 years in same shit hole. They may want to upgrade and may cause huge spike in rent expenses.
Also, real estate in Bangalore has grown by approx. 13.5 P.A for last 5 years and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
They won’t be in the same salary either in the next 10 years and he is keeping a buffer in the balance that they have after the expenditures in my understanding
@@ganeshseetharaman5625 This is very debatable and I am also from IT field. I think IT services will become a commodity in the age of AI. Future growth will be muted.
I like this guy. very clear about everything
Some basic flaws what about family planning children cost at the later stage of life, what about inflation and cost of living , what about unpredictly of job market??
Thank you Warikoo for doing this. This was very insightful man.
living expense ka bhi inflation hota hai sir and taxes ka bhi unko bhi rakh diya karo calculation me.
sir when i opt for an sip , i have 2 options
1) using investment apps such as groww , zerodha etc etc
2) using my bank's internet banking
so which option should we use to start an sip ?
Try to figure out it by yourself. Ample amount of information available on internet. Check what suits your investment style.
Banks ke website pe regular funds hote hey mostly. Check kr lo if direct hey to koi farak nai pdta kahi se kro invest paise to mf company ke paas hi jayegi. And keep checking your investment on mfcentral once a quarter you should be good
For mutual funds, zerodha groww better.
For investing in stocks with large corpus, banking platforms are better
Invest 15 L each in 2 plots on the Indore Ujjain road. 1 plot per year. With the metro coming up there, this will give you a return of 20-30% per year. It's not liquid, but risk is lower than stocks. In 5 years, you will be able to sell both of these for 1 cr for the down-payment. Continue your sips and you'll have another 1 cr in your equity corpus. You'll be able to take the house in Bangalore.
Very sensible plan. I see people recommending staying away from real estate but in reality real estate is actually so much better than market.
@@GoCatchEmAll One should invest in real estate only if they have some insider news especially for land appreciation, which means they must join any political party. Most likely metro or highway coming up would be known before hand.
@@lordvold9486 this was true 1-2 decades ago but not today. With so many development projects going on all you need to do is invest in an area where you feel there is a potential of growth and most likely that area will grow.
Thank you very much for inspiring and collectively life changing movement
Please make video on RSU vs ESOP vs ESPP and there taxation , loved your video ❤️
Itni salary aur itni savings mei ye bahut kuch kar sakte hain. Kharche aur thode cut karo..Agar mai hota toh I would definitely invest more than 1.5 lakh per month in shares..SIP nahi.. keep saving in 3 blocks and har market fall pe 1 block k shares lelo. Har bonus mei international travel karo and har esop increase ka paisa bhi shares mei lagado. Bahut safe life se fayda nahi hai..he already has a super safe life
Thank you ankur for this money matter series
Assuming Real estate growth 8% and where as small cap growth 18% for next 15 years, just based on past few years data is not correct.
In Bangalore post covid property rate has increased by ~30% per year. Same for rent as well.
He might have used on-paper data for real estate...which is far from reality. When he will go out to purchase a house....he will know the difference btw registry amount and actual amount.
True, real estate in Bangalore has grown by approx. 13.5 P.A and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
I donot think one could be able to buy at house for 3.67cr in blore in 5 yrs from now lucky to be able to get anything below 5-6crores in decent locality and builder
It may have been the case for the past few years, but 10% percent is a better number in the long run, also 30 percent is much beyond nifty returns in the past decade, or yearly hikes of top tech companies. IT is what is pushing the rates high, if IT people are unable to buy houses who will buy then?
After 5 years if he gets divorce how much he will loose
Appreciate Ankur if you could come up with a video on the momentum index fund , are they riskier or should we invest in those funds besides the traditional index funds
Please share the book recommendations on kya kahenge log so that problems should resolve
@warikoo One thing which always confuses me is : growth rate of housing i.e constant 8% or basically any number lower than equity market growth. In long term with family and office location proximity the options i.e supply of housing becomes short hence housing can be appreciated by value greater than assumed number. Take an example of Mumbai or Bangalore now the saturation level in prime areas is too much. Does that keep this growth rate at 8% ? Can you make a video just to compare the housing market rate of prime locations in metro cities of India and then compare them with Equity financing ?
Sir direct tax code pr video bano
Maybe I'm missing something super obvious but the 2.5 crore house valuation was as of today. How can we assume the same cost even after 5 years?
Loved this money matter video Ankur, especially the guy in 28 years of age is rocking with such wisdom, knowledge and the investment he has already, absolutely amazing to see this rare side.
Sir kindly make one episode on self employed or middle business person who doesn’t have fixed income how thay can do financial planing
Just curious what about the increase in rent price, child related expenses and other things which is not being considered here
Hi Ankur, I have purchased your course and the course video is not working. Where can I get in touch with this query. I don’t seem to find any contact number or person to address this issue in your webveda website
sir 25-5-40-30 rule ke hisab se me jokey ki chaddi afford kr sakta hu kya😔😔😔
😂😂😂
Sip bank se Lena tek hoga sir ya angala or grow
@amod If you are sure that you want to purchase your house in Bangalore only and not In Indore. Then my best suggestion would be. Bangalore is getting good Metro connectivity. After 10 years most of the prime areas will have good metro connectivity. The metro connectivity route is already out in public. you can go far about 10 to 15km from prime location and purchase a property there now which will be pretty cheaper now than later once the infrastructure is up. Go for Tier1 or Tier2 builder only, with in 1.5CR limit. Areas like Yelahanka, Sarjapur, Hebbal.
You won’t get anything for 1.5cr, tier1 builder.
Things that are probably implicit but still could be considered:
1. Inflation on expenses. Hopefully the salary growth rate over the horizon mentioned in the video beats inflation.
The base SIP amount that he started with was the difference between income and expenses.
Hence this is a key consideration and IMO Is taken into account implicitly.
2. There will be additional expenses that might come their way, kids and the expenses associated with that, which might strain this a little, which also can be taken care of with salary growth rate.
3. Finally, that India as a market is fairly stable and keeps growing, 12 percent returns is based on that
Thenks sir 😊
I am a bangalorean and I own one flat and a residential building rented out. I feel I am eligible to place my openion. I feel booking an underconstruction or new launch apartment and taking a loan for the same is much better. Your family will enjoy perks of owning a home and ypu will still be spending 80k to one lakh a month on EMI. Under construction flats will be much affordable and can get one under 1.3 cr for a 3 BHK.
Where ? Any suggestions
Factors not accounted for - taxes on long term capital gains, kids education, vacations, any home liabilities. Apart from these mental burden of renting for next 15 years, looking for new house for rent every year or two, shifting stuff. Best time to buy a house is now. Not a good suggestion at all by Ankur Sir.
It doesn't take into account kids expenses. If they have kids then the mother is not working and their salary cuts into half so 1L investment is not scalable.
I can understand this situation..sometimes mother need to take child care upto 2 years..and have to take sabotage leave
*sabbatical leave
@@quadxtech7263 sabotage leave was much better.. 🤣🤣🤣🤣
Sir please explain risk of Negative Sequence of returns in case of SWP
Squence of return ke bare jante ho bhai....
Do research about it....
U will shock and never do this swp 😊
Love you ❤❤Ankur Sri........
If I would have been at Amod's place I would have kept living in Bangalore on rent and would have invested in Indore where Real Estate would be at much more realistic rate (considering real estate is your thing).
He must invest 50k per month in direct stocks as Alimony fund
Sir , Mi apki sari video dekhti hu ,bahut hi informative. Rhti hu ,mai chahti hu ki ap ek video sip and gold ke intrest ka comparison krte hue banye kitna % gold mai Invest krna chahiye . Kisme return Jayda milega gold ya sip ....
Very good planning by this person
Brother , start investing in Indore now after 30 years your properties in indore give you stability and tension free life than you put all saving in share market for 15 years and sleepless night
True, Bangalore will be basically unliveable after 20-25 years, don't know why everyone is obsessed with properties in Bangalore
In indore also price is quite inflated
He needs house to live
When job is in Bangalore what will he do purchasing in Indore
It’s a consumption purpose
@@balajikamalesh3338 It's because if he actually wants to rent a house that costs 2Cr in Bangalore today that rent amount will be easily between 70-90K per month with a monthly 10 percent increase and 3-6 month security deposit. This is primarily the reason a lot of Millennials and Gen-Z are opting to buy a property instead of rent it. Don't take it is an investment, it is for consumption. Also, real estate in Bangalore is grown by approx. 13.5 P.A and not 8 so the calculations are a little off but of course Market will give better returns than real estate any given day.
True , bangalore bubble will burst soon
Appreciate the suggestions and time taken to detail this out , @warikoo
However, I would like to put forth the figures of properties here in bangalore - all the developing areas like whitefield, varthur, sarjapur , north bangalore are charging a bomb when it comes to 3 bhk flat . An underconstruction Property bought for 1.7cr in aug 2023 is worth 2.3cr today and there are newer ones are sold for 2.5cr to 2.8cr for a 3bhk in a reputed builder .
I dont agree with the fact that prop price increases by 8% every year .
Nursery fees for next AY 2025-26 in these areas are ranging anywhere from 1.9 lakhs to 2.5 lakhs a year and fees hikes without saying by 8-10% every year
Rents in a gated community for that matter also increased by 20% in june 2024 while it was mentioned 5% in the agreement .
Thank you sir it is inspiring me
Sir meri do betiya hai bohot tension hoti hi kaise unki shaadi and padhai hogi kuch bata to sir ab age bhi 35 ho gayi hai pehale investment ka koi knowledge bhi nahi tha to kuch kiya bhi nahi 😢😢😢😢
What about ltcg and stcg
Probably rise in Stamp duty, registration and gst by then.
Sir please make video on education loan .2024 for mbbs students . Which expenses are covered . Expenses covered other than tuition fees and college fees . The other expenses like traveling books laptop etc
Need video on RSU's taxation and other nuances around it please
Please make a video with respect to government sector employees too, like for a gst inspector like me
Nice video @warikoo I like these all video
Dear warikoo sir...avi jo ubit coin mei 15% ka income wala sceme chal raha hei..yeh mathang machaye huye hei...plz make a vdo on this topic..yeh SCEME HEI YA SCAM
PF is 10k so total gross salary is 20lac per annum
Har Har mahadev 🙏🙏🌹🌹
Sir you have not considered tax while withdrawing sip.. the buy the house...
Ankur sir, I am regularly investing in index sbi nifty fifty mutual fund sip for past few years. I had came to know about expense ratio. Considering this if I change my investment to a Navi nifty fifty index fund same fund different amc. I am keeping the corpous accumulated in sbi itself but new sip in Navi. What is your opinion?
@ankur, can you please share this xlsx/gsheet?
Just for the info realestate is growing way more than 8% in Bangalore, me and my friend bought a flat 3-2 years back and now in current market we can sell in double price so basically after a 10 years 2.5 cr property will cost him 20 Cr not 5cr 😅😅🤪 this is the ground reality
This post doesn't assume lifestyle inflation. Rent increases, expenses go up ...this is paper plan,not attached to reality. And trust me you don't buy house at 45
Nice video
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
A lot of folks downplay the role of advlsors 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 one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Svetlana Sarkisian Chowdhury 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..
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
We are missing the point here that once he owns the house, he will no longer have to pay the rent and that rental expense saving could cover atleast 50% of the monthly EMI
A lot of other factors were missed when making a calculative decision
Suppose, I earn seasonally. I can’t pay SIP monthly, because I don’t have monthly salary. Then should I do SIP or lumpsome investment?
Split your sessional earning to monthly basis and do SIP accordingly. Monthly SIP will mitigate the ups and downs better than lumpsum.
Always Waiting for your new Videos Sir❤❤
Sir kya sip or swp same fund se kiya ja sakta hai...????
Over the 10 to 15 years , livelyhood expense bhi toh bhadega . Rent , grocery and all
Bechara (advice given to invest in stock market) cause lot of stress 😂😂
Why don't he consider increase in rent and increase in personal expenses like he'll be the father in 2-3 years and his child's expenses will occur like school fees is too High and increase with the age also the expenses will increase with inflation.
Why not to buy house early to save on Tax on Loan interest payment.
Next 10 years in Rental apartment.. rent would also increase by 5%-8%
Indori Bhaiya hau.. 9:16 Apan bhiyaa... Indore me bhi 2_3 Cr ka flat hai bhaiyaa
Sir ETF mein SIP kaise Karen..???
sir sip kahase , konsi app/website se kare bas ea bat samaj nehi araha hai. please help me sir. love from west Bengal.
thank you :)
Mere ku kala he sir kese karu mujhe pata nei
Those Who Are Making Fun Will Gonna Cry In Their Upcoming Age.
Time Is Everything.
There are people who are earning just 10,000 INR per month without any scope of growth and burdened with responsibilities. Can you explain how they can buy 2.5 Cr home.
I guess the biggest factor is being at the right place at the right time. and no one talks about it.
With this kind income at 28, one should adopt for buying land dispose after 5-6 years, invest that in rental income yeilding property. Instead of sip in mf, he can opt to sip in diamond. Invest 1 lakh rupees every year for 5 years. Invest sip in blue chip shares like drl, hal, infy. Also invest in dividend yield shares, when the market crashes in 2025. Ankur, change your strategy.
Isko call me ake sabko ye btana tha kya ki ye log 1.5 lakh savings kar rha hai. And Ankur kindly pick those people who need your help. This guys is already settled and handsome savings as well.
it's not good according to banglore
Even people earning 2 to 3 lakhs a month badly need financial planning!
May you make a video on how to start. Trading ?
I won't recommend trading, because, it has nothing to do with logics or learning. It's just betting and predicting. I have ended up loasing money after learning many concepts. PLS BE AWARE.
I live in Bangalore, I recently bought house in the prime location of Bangalore, I am into marketing, now I am thinking to move to Dubai permanently by leaving my current job, wanted to know if this could be a correct decision
@Nkdec2023Nj Thanks
@journeyofaworkingmother6692 Where did you buy home in Bangalore which location and community, Thanks
In one of your videos I noticed you have two PMS services in the company portfolio. Can you please make a detailed video on PMS. review some performance data that is available in the public domain....may be share your experience.
with a combined salary of 2.5-3L spending 1.3L is already a biggest problem, with no kids and with a goal of buying a house. from planning to buy a house in next 5 years to then moving it to 20 years, it lost the meaning of the video
Hi sir can u make a vid on how one can start sip in NIFTY50, midcap n small cap. Which apps or can we start through banks??