How to invest retirement corpus to get a regular income?| Q&A 44 [READ PINNED COMMENT]
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- Опубликовано: 12 июл 2022
- Investors asked me various questions related to investment and I have answered few selected questions in this video. '
This video is bases on question and answers related to mainly mutual fund asked by my viewers.
This video is for educational and informational purposes only. Viewers should consult their Insurance Advisors/financial advisors/ Tax Consultants before making any investment decisions.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.
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Kindly note that there is an error in calculation of future value after 5 years as Rs. 25,00,000 has been added twice. The total should be read as ₹89,76,179. The objective of the calculation is to tell you that you will have more money than the amount invested initially. Apologies for the negligence.
मैं आपको बताना चाहता हूं कि वीडियो के अंत में excel में पूरी राशि को जोड़ते हुए ₹25,00,000 को दो बार जोड़ दिया गया है। असावधानी के कारण हुई त्रुटि के लिए मुझे खेद है। कुल राशि ₹8976179 पढ़ी जाए। गणना दिखाने का मकसद केवल यह है की 5 साल बाद कुल राशि शुरुवात में निवेश की राशि से अधिक होगी।
Ok sir
Applicable tax as per rules net income se minus karo or net gain batao.
@@sanjaykumarbhati7220 Rs. 40,000 per month ke hisaab se ek saal me 4,80,000 ki income hogi aur ek resident individual ko 5 lakh tak ki income par koi tax pay nahin karna hai. Kuch minus nahin karna hai.
4r
Thanks for your prompt reply
आपका समझाना बहुत ठीक है पसंद आया थैंक्स
Thank you Sir for explaining so nicely....I will surely follow your advice... Thanks a lot...
Excellent explanation. Very nicely explained. Thank you so much.
Excellent Sir. Your table will be useful to many seniors
Very informative video on retirement planning....Keep educating us Pankaj ji.👍 Thanks
sirji you are very good financial planner in simple and low risk way. Thanks a ton
Thank you Sir for suggesting and managing saving calander 🙏🏻🙏🏻🙏🏻
Nicely explained. Thank you so much 🙏💐⚘
Bahut achha vichar hai dhanyawad
Great work sir.
Bahut achchhi Jankari di aapne Sir
Thanks sir , very valuable guidance, so nicely explained.
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
ruclips.net/video/kaJQIxbSgtU/видео.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है, Traders Bar Stock Market
ruclips.net/video/D8ggnXSAMPs/видео.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
ruclips.net/video/mmsAmajprNA/видео.html
Very clearly explained but I don't have that much money.
Thanks👌
Comprehensive video for retirement fund allocation. Nicely you have allocated funds in several instuments to ensure capital protection and also to grow moderately
Very nicely explained
Great knowledge sir !!!
Thank u sir 🙏🏻for very important information
Great example demonstration Pankaj ji, very easy to understand.
Very well explained 🙏🙏🙏
बहुत बहुत सुंदर पोर्टफोलियो बनाए पंकज सर❤
Nicely explained. I understand that the 10L in FD is for emergency, so friends please put some money in health insurance otherwise it can eat away 10L for hospital expenses
Thanks for your guidance sir
Nice and informative video for retired persons.
Very Nicely Explanation
Sir thanks.
Very well explained.
Very nice & best suggestions thanks
बहुत अच्छा समझाया
Thanks sir, for valuable information
Thanks very nicely explained
NICELY EXPLAINED. PLEASE XPLORE WITH MORE INESTMENT INSTRUMENTS WITH HIGHER RETURNS
Sir very nicely explain. There are different permutations and combinations for investment ( other than FD, MIS, SCSS, PMVVY , NSC , KISAN V P etc). U have shown investment in main TWO categories ( one is for safety of our principal amount and SECOND option to enhance our retired Corpus ). Pl prepare one video for retired persons with options for MFs , Pension funds, pension schemes. Pl.
छान माहिती दिली धन्यवाद
Sir, thank you, very nicely explained. I request if it is not then please upload vedeo for youngester of 30-35 year's of age, for retirement corpus. This is need of the hour.
Good answer. Thanks
Very useful information sir thank you
Nicely explained in simple words. Regards.
Thanks lot. Partly I have got idea about that.
Thanks for worth information
Bahut Aacha laga thanks
Fantastic and superb. 👍👌
Grate Knowledge
Thx
vvvvvvvvvv gud n practical pl give in detail regarding CORPORATE BONDS
Valuable video... 🙏
Very informative video Sir ji🙏
आपका फार्मूला अछ्छा लगा
I like it ❤
Very good information, nice
Excellent advice
Sir retirement age state govt. 58yearsha
Excellent idea
Very good information
Sir thanks very nice explained
Very Good and important informative video. Thanks a lot sir. Please continue this kind of informative video in the commig days.
Very very thanks sirji
very nyc explained for investment .
Very very thanks sir
As suggested by you to invest some amount in bonds, so let me know can I invest in bonds which are tradable in secondary market and giving periodic returns of the interest.Please reply.
Thank u information
Nice information
Explained in very nice way.Thanks. But my quarry is for Sr.Citizen Saving Scheme. My one such scheme is going to mature on 23 March,2023 after completing 5years. If I extend above for 3 years more ,shall I get Income tax rebate of extended period? Thanks
Good information
👌Good morning Sir
Nice video on
Investment 👍
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
ruclips.net/video/kaJQIxbSgtU/видео.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है, Traders Bar Stock Market
ruclips.net/video/D8ggnXSAMPs/видео.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
ruclips.net/video/mmsAmajprNA/видео.html
NICE SIR. THANKS SIR.
नमस्कार बढ़िया समझाते है सर
Please also advise on tax treatment for the withdrawals.
V. Nice planning
Thank you sir
Thanks very good
Impressed, How to take your Customised advice, from Corpus
Very nicely explained. I have 40L and would like to invest and from next financial year I may require 25k monthly payment.please suggest. Iam currently 58 years and having no pension.
Good video sir. 👍
Thanks 👍
Sir, thank you. Shall I invest in dividend yield stocks earning yield of 15% instead of mutual funds
I suggest Tamilnadu Power Finance Corporate. Five year interest rate is 8 percent with TDS 10 percent . This is 100 perecent safe .
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
ruclips.net/video/kaJQIxbSgtU/видео.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है, Traders Bar Stock Market
ruclips.net/video/D8ggnXSAMPs/видео.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
ruclips.net/video/mmsAmajprNA/видео.html
Good content
Very useful, how to save tax?
Kya corporate bond pe bharosa karna sahi hai. Mera principal impact to nahi hoga na.
Sir, you have not mentioned about income tax deduction. It would have been more clear, if IT is taken into consideration while calculating the.returns.
Nice video
Sir can you add video for doing sip for retirement to get corpus around 60 lacs corpus . So want to know best long term mutual funds which will return this retirement amount. My current age is 32
बढ़िया सर
No SWP but PWP ( Profit withdrawal plan) is recomended for retirees. Always invest in BAF for a conservative retiree investor. Never invest in equity based fund after retirement.
Baf means what?
@@dhavalthakor6438 BALANCE ADVANTAGE FUND
ETF mai Safe investment, अब कोई डर नहीं मार्केट से,
ruclips.net/video/kaJQIxbSgtU/видео.html
Nifty50 और Niftybees कहाँ जायेगा, next month view, ETF Best है,
ruclips.net/video/D8ggnXSAMPs/видео.html
07 Top ETF और 05 शेयर आपका इन्वेस्टमेंट का तरीका बदल कर रखा देगा, पूरा Market समझ मै आ जायेगा,
ruclips.net/video/mmsAmajprNA/видео.html
BAF is too risky for a retiree. A conservative hybrid fund is the best. ICICI Regular Savings or Kotak Debt Hybrid are good funds.
@Kanjilal is there is no such plan available in mutual funds in which only profit is credited in your account automatically. And, even if you plan to do it manually then there is a limitation as the profit is not guarenteed and the retiree may face difficulty in managing cashflow if there is no profit in one or more months.
Thank You for the video sir.
My name is Amit Roy. Can you please make a similar video for people who are say looking to retire early at 45-50 years of age.
If someone has a corpus of 3 Crore at 45 how should he break up his Investments into FD, Govt schemes and SWP to generate inflation adjusted monthly income for years to come.
Current age = 30 & Current monthly Expenses= Rs. 40,000
At 6% inflation , monthly expenses at 45 will be around Rs. 1 lakh.
In that case how will he break up his corpus of Rs. 3 Cr at 45 to generate a monthly income of Rs. 90k - 1 lakh and for years to come with inflation ?
Thank You
Sure Amit. I'll answer your query in a video.
@@pankajmathpal Thank You sir
@@pankajmathpal I will just let you know my thought process -
My name is Amit Roy. I am from Kolkata.
You answered one of my question in a previous video.
My Goal after 15 Years is a corpus of 3-4 crore and for this amount I have mentioned the SIPs I am doing in this video. After 15 years I am looking to invest some of this corpus in SWP schemes and some in FD.
For example, my monthly expenditure now is around Rs. 40,000 which after 15 years will be around Rs. 95000 - 1 Lakh (at 6% Inflation) . From the corpus of 3-4 crore SWP I intend to withdraw around Rs. 2 lakh per month. Within that 1 lakh will be used for monthly expenses and the rest I will reinvest.
I think this way I can manage an early retirement. Is the above a right strategy to go ahead with in mind ?
(I have a Home Loan which is around 10,000 pm month and will be paid by 2030. I don't have any other debt. )
Sir very nice 👍
Very Nice Sir👍👍👍
Dedicated video...
Sir,
What is the procedure of increasing certain percentage of amount in SIP every year of somebody has not opted for the Step-Up method in the beginning while registering SIP ???
Sip profit goes to govt tax.
Sir, retirement ke baad corpus amount se ghar ya gaadi cash khareedna thik rahega ya bank loan lena sahi hoga ?
Sir mai 20 yrs ke liye sip 2020 se start kiya hai our girawat pr top-up bhi karta hun.mera portfolio es prakar hai.
1. Parag parikh flexi cap fund 1000
2. Quant active fund. 1000
3. Mirae asset mid cap fund.1000
4. Axis small cap fund.1000
Sir mai 10% har sal amount ko badha raha hun.
Please 🙏 mera portfolio review kare.
Corporate Bond koun se lene hain please mention karen sirji.
Very good
Very nice information sir thanks TDS ketana katega please update thanks
इस वीडियो में बात सिर्फ 40 हजार रुपए महीना यानी 4 लाख 80 हजार रुपए प्रति वर्ष वर्ष की बात हो रही है। एक प्रवासी भारतीय के लिए एक साल में 5 लाख रुपए तक की आय कर मुक्त हो सकती है।इसलिए यदि वरिष्ठ नागरिक फॉर्म 15H भर कर जमा कर देंगे तो कोई टीडीएस नहीं काटा जाएगा।
In floating rate savings bonds, investment should be lump sum or periodic; your view point
Lump sum
Sir I will retire at age of 40 yrs. Can I follow same rules after retirement or plan other way.please suggest me
9L may be invested in Po MIS @6.6% annual interest
Very nice 👌👍
Very nice
Rahul Bhardwaj
Hello sir Namaskaar,🙏🙏
Mera retirement 2050 mein hoga.
Kul service 27 year shesh hai
Maine SIP kar Rakhi Hain last 1 year se.
1-Large & mid cap fun RG -1000
2-Multi cap fund RG - 1000
Please suggest my financial goal
2 crore fund and luxurious house.
Sir. 🙏 As you said 40k p.m milega tho interst on investment ke liye tax kitna katega
Can we use quant absolute mutual funds for SWP?
Sir nice explanation 🙏
What about income tax calculations
Generally, an income up to Rs. 5 lakh in one financial year for a residential individual is exempted and I have explained about Rs. 40,000 per month which means Rs. 4.80 lakhs in one financial year. Hence, tax calculation is not required here.
@@pankajmathpal thanks sir 🙏🙏
Thanks
Thnks!👍👌💐
Sir give some solution of tax saving on same example.