Check out Ditto insurance here: bit.ly/3LZZzAK Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you. Here is the Excel, for you to download and do your own math: bit.ly/3OuN7ut Subscribe to my all new Shorts channel, warikoo Shorts, and learn personal finance and career tips in less than 60 seconds! t.co/pMdPNe4Quf My first book is out now! The title of the book is also my life motto: "DO EPIC SHIT" Get yours NOW: ankurwarikoo.com/doepicshit
Hi warikoo 🙏🙂🌍 this is just a strong sujjestion Millions of humans watch you and get inspired by you so why can't you just do a short 5 mins audio conversation weekly via any app , you can pick any random guy from your subscribers list and that's it that guy or girl will get to know about financial tips and more in those 5 mins Public ne itna kuch diya toh ab app bhi public ko kuch do 🙏🙂
Thnx for giving us such an amazing content your video always same but i believe this is a reminder of every month that you have to save money and invest and whenever i watch your video it stays in my mind for only 1 week and every week i again watched your videos and i think I'll get a 4-10 cr in my 50's it's my assumption and also a goal and I'll achieve it......and sir can you please make a detailed video on SWP i want to know more about SWP.
Hi Ankur ji, pls make a video on how to import bank statement PDFs into Excel and create pivot tables so that by analysing it we can avoid unnecessary spendings.
THNX A LOT ...I am just 17 and got to know about all this ...Its mind blowing !!! MAYBE I WILL END UP THANKING YOU 20 years down the road (or UP THE HILL) !!!😅
Dear Mr Ankur, I was waiting for this FIRE excel for a long.. What makes this excel sheet a useful tool is its flexibility to modify the values accordingly. Brilliant job! Thank you!
One of the best and meaningful videos in YT for all who are working and especially salaried class. Unfortunately, my starting age is quite high and I need to catch up a lot. But better later than never. Thank you Mr. Ankur. Subscribed!
extremely beautiful.. the retirement calculator i was searching from months ..of course this precise calculations can only be expected from you warikoo sir..!
@warikoo I guess the question asked ""Monthly Expenses at retirement age" in the excel means that what money you need at the age of retirement and not as of today because when I checked Yearly view the calculation starts from the amount I entered in "Monthly Expenses at retirement age", So now I need to do the compound interest calculation to calculate how much will I require per month during the retirement, please correct because this may miss lead beginners. Thank you..
Lots of scammers and spammers commenting. Ankur Bhai your team should take care of these activities and should block or delete those comments as it's very irritating.
Ankur sir, Please think create a video on an excel sheet which can help us to keep a track of all the investments like mutual fund, small case and stock - all together. Thank you for gifting us the university of free learning! Regards!
🔝Thanks for your feedback, don't forget to hit the subscription button, message the number above for enlightenment tips and guide, I have a new plan for you ✉!!
Hi sir I am Dr.Krupasanthosh your videos about financial management are wonderful I am from Karnataka I keep listening to your videos The problem i am facing is you tell the numbers in Hindi .I can understand Hindi language but not the numbers as some times i won't be seeing numbers on the screen( as i will be just listening). I request you to tell the numbers in English and it will be very helpful to those who have problem with Hindi
A few things here that might give the general public watching a better idea of what the ACTUAL NUMBERS are: The 4 crore rupees one will get only has a BUYING POWER of 1.36 crores today (PV at inflation rate). 1.36 crores of todays Money is what you will have at retirement. The 1 Lakh rupee monthly expenses you talk about in today’s terms only has buying power of 34,000 per month. Can someone realistically have that little expenses after retirement? I think sometimes it gets quite convenient for RUclipsrs to talk about inflation to prove their point and completely ignore it when it goes against their point.
Stocks for long term can be considered as Vedanta, Reliance industries, Tata motors , Mahindra & Manindra, some good Electric power shares , IT shares like HCL, Wipro , MindTree, etc with proper research and Always keep 10-20 shares in portfolio for diversification.
As you had studied abroad, you can relate the fact of savings and investment in foreign countries. I am in canada, please make a video on investment and savings for students in canada. It would be a great help..
I CAN WORK TILL MY LAST BREATH(WITH REGULAR BREAKS AND ENJOYMENT) AND THINKING WHAT THE BULK I AM GOING TO CREATE WITH YOUR INFORMATION THANKS SIR. AND LUCKILY I AM 22.
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Sir, there is some problem in the excel sheet. I think its not a mistake, rather a logical problem. See the age and amount which we enter in Kids education or house, if we make it zero it simply adds up to the amount at retirement age. But logically speaking, if I withdraw an amount of 20 lakh at the age of 40, if I will not withdraw the amount, it will be compounded enormously till retirement age of 55. But when I remove that 20 lakh from my expense at the age of 40, it simply gets added to my retirement amount. Please have a look at the mistake. Also please let me know if I am missing something. My one suggestion is that rather splitting the investment plan and yearly view, combine both in one sheet so that it will be easy to track the amount difference if we take an amount from there for some work. BTW Really like your videos.
There are few loopholes 1) If my age is 33 and as per my investment I am getting retire at 55, in that case, I am not seeing a debit of school fees or marriage whichever is coming before 55, which I am not seeing in discussion sheet. 2) Monthly retirement should be inflation-adjusted after my retirement, let's say my expenses are 50000 per month then it will be 2.04 lakh at the age of 55, in that case, my money will last for fewer years. 3)There is a hidden sheet of calculation there I am not seeing any LTCG discussion, I may be wrong for this. Please correct me as I may not be getting logic of this sheet, otherwise I have learn a lot of things from you, keep helping us in the same manner.
So if i consider lifestyle upgrade and inflation in account, Present day's 4cr is 40CR after 20 years ... so i need to invest 10x of what you are suggesting for security worth 4Cr .... :)
Monthly expense is not inflated in 'Yearly view' Sheet. Right after retirement age, it shows same amount as present year (start year). Shouldn't be the monthly expense should be corrected to inflation at retirement age?
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
You are so much like me sir😊.. No no no I'm not trying to make myself great sir🙏 I just wanna say I can relate to your thoughts very well 🙏🙏. Regards Dr Ashutosh Gupta 🙏
Do you suggest any specific course for equity, stock market or monthly SIP study?? I can invest around 10k per month but don't know exactly where to invest?? Pls guide.. Thank you
Can you please make a video on how the company RSUs work? I have no idea about stock market, Could you please please make a video explaining basics and advance knowledge of it?
Plan plan plan everything. I used to follow the same thing for a while. But lately i have realised, it's not worth killing yourselves too much over savings. I mean do what you love, live your life a bit and do savings side by side. I have lost 2 of my longtime friends recently and now the only thing I think about is to live your life everyday. That doesn't mean don't plan for the future and spend extravagantly but don't plan excessively as future is always uncertain and no spreadsheet is gonna guarantee what will happen. Rather have a broad plan and keep following it side by side. It's just my thought process maybe I'm still in shock losing my friends at this young age but do think about this too.
Exactly, things never go as planned and this video is bullshit as an avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Hi Warikoo Sir ... I watch almost all your videos and love all the content that you make but I have one request. I am in 30's and wanted to know how do we people at 30's can plan for our finances as we have lost many years of our life by not planing properly and investing correctly. Can share a plan for us too wherein we can also retire at 50's without any worries.
@@theragavelan and think about selling stocks at the right time and no one will guide anyone to sell and nor any company will grow for 30 years at the same 15% many will fail horribly (maybe)
I can retire in 40 years ( my current age 27 years)..after 40 years it's not like I am not going to do anything ..I will still do something which I like which will generate some money or some passive income ..the problem is I am a doctor..and doctor real income starts after 40 yrs so it won't be easy to leave the job
Truly Amazing content provided by you Ankur Sir. Experience speaks louder than words ! And you give us, the younger generation HOPE for a better Future. Lots of Love ❤️. Hoping to meet you someday. It's NEVER Too Late to Start.
Really sir i love it because that's unbelievable the power of compounding in that balance sheet i learnt lots of thing in this video you always inspire me Thank you Ankur sir ♥️💙
The rates of return are extremely misleading. Nifty returned about 12% in the last 25 years, which is a fairly optimistic value. Also, you can’t be all in equity while you close to retirement because a big crash will destroy your portfolio. You start to move into debt or other stable assets which will significantly reduce your returns.
Again the same content but just before you Gaga about this approach and hail this guy as genius remember acc to his excel sheet if you keep on increasing sip by 15% you will have to pay monthly sip of 30k at age of 30 and 80k at the age of 40 to achieve this. The initial number of 7500 looks very much achievable but keep on increasing and I doubt how many of us (General Public) would be able to do a Monthly SIP of 80K at age of 40. Just ask your self
Nice video but I don't think 15% increase in investment is feasible every year. As we grow older our responsibilities increase so unless we're getting hefty raises or switching jobs frequently it's not possible to maintain 15% rate. Also, 15% return on investment sounds a little too optimistic. I'd much rather be conservative in my estimates.
Absolutely…this is optimism of another level…it’s easy to give this bullshit to naive individuals as it’s very clear that by the time the 23year old grows to 60 and becomes bankrupt, warikoo would be making videos abt “how to sip pinacolada in Hawaii at the age of 88 by audience ka chutiya kaatke” 😛
Hey Rahul - thanks for your feedback. If 15% looks impractical, then the question changes to “by when can I retire” instead of “how do I retire by x age” However 15% on investments should be the bare minimum one should expect through a combination of large mid and small cap equity investments and long term debt. That I would respectfully challenge you on.
@warikoo please stop the ads. I'm on the verge of buying RUclips premium only and only because of your ads. I'm surprised how much you spend on marketing. Instead put them on RUclips and monetize them.
There is a big missing in this calculation. The "estimated monthly expense" is not inflation adjusted at the time of retirement in the "Yearly view" sheet. Without that, this whole calculation is flawed and misleading. i.e., monthly expense of 2L today would be equivalent to 4.79L 15 years down the lane at 6% inflation. Where is this calculation done?
It took me several months to get my investment correct but I'm currently on the right path and confident. Investing can be overwhelming but not getting started means loosing out on money you should have made and everyday there's a big win when it comes to trading and investing strategically. It simply involves being realistic and setting your own targets to reflect investment goals and risk tolerance.
@@Gladys_smith After watching so many RUclips tutorial videos about investing, I was still making losses until Mr Ryan J Thomas started managing my investment now I make over $ 8,567 weekly. God bless him.
@@williamsdavis. I'm still lacking in my money management and investment skills but hopefully would get better and finally start some investing. please how do I get to this investment advisor ??
Warikoo sir In india averrage salary of middle class person is not more than 30 to 40 k in which he has to take care of all expenses. Please suggest a plan to invest in this circle. 20 30 k per month is impossible for a middle class.
Hey Ankur, This is beautifully explained. In many videos it's the Crux that we need to build ample funds say 2 or 4 cr. But how to use that created fund? 1. Keep that growing or decline keeping it invested in the market? 2. Redeem all the funds and put it in FD? 3. Keep the funds invested and redeem the funds every month for monthly expenses? 4. Redeem all the funds and invest in some annuity plans to give assured returns? Please help me and everyone understand this
Ek video age 40se investment start karne par banaia 8 10 aur 12 sal bad tin bachche ki padhai shadi aur 20 sal bad Aaj ke 1 lakh per month mile 80 Tak 🙏
Hello Mr Warikoo, thank you for this video and sharing the excel sheet. As I was exploring the 'Yearly view' tab in the excel sheet, I have a doubt, which I feel would be relevant to other viewers as well. You ask us to input the current monthly expenses in cell B10 'How much money' tab, but when you calculate the future value at retirement age, you haven't adjusted it accounting for inflation and probable yearly increase in 'Yearly view' tab. The value in B10 is the same as value at retirement age. Could you kindly explain why is that or if there a calculation inside excel which adjusts for this? Thank you for your time.
Ankur please make a video on the same were if one prefers investing the same pattern what you told gold over equity for some reasons , I know changing the percentage will get the result , but would love if u make one video
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Dear Ankur, One important aspect is with the growing age medical expenses are also likely to be increasing. For any middle class family bearing expenses of medical emergencies is a big burning hole in the savings. Recently, have undergone such horrid experience. I myself and my parents(aged 84, 78) were hospitalized just for 5 days due to Covid related issues. The whopping bill that I had to foot was close to 5.50 Lacs! Mind well, despite having all kinds of health/medical insurance cover for all of us. Paying hefty premium of 40K plus per annum, getting claim/reimbursement itself is a daunting challenge. God Bless All, never ever get into such situations
Hello sir! Is guarantee returns worth investing?? Different banks are offering different amounts but approx. Same return. If you find it interesting, I love to see a video from you ! Explain me and others if it's worth it. Is that going to beat inflation..
The rupee is closing at around 78 against usd and will go 80 real soon. please make a video on the aftermath of this and what one should do in a runaway inflation like this
HE would be around 40-45 years of age and people like him talks of compounding for 30,40 years which they never seen in their life. I call them spreadsheet financial experts. All what they know is how to communicate and make people feel they know something. In reality, achieving this kind of goal is not practical. Edit: And one of their team members will comment "thanks for watching" without even reading the comment.
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Check out Ditto insurance here: bit.ly/3LZZzAK
Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you.
Here is the Excel, for you to download and do your own math: bit.ly/3OuN7ut
Subscribe to my all new Shorts channel, warikoo Shorts, and learn personal finance and career tips in less than 60 seconds! t.co/pMdPNe4Quf
My first book is out now! The title of the book is also my life motto: "DO EPIC SHIT"
Get yours NOW: ankurwarikoo.com/doepicshit
Sir jo 10 -15k hi monthly kamata h uske liye v kuchh banaye sir plz request
Hi warikoo 🙏🙂🌍
this is just a strong sujjestion
Millions of humans watch you and get inspired by you so why can't you just do a short 5 mins audio conversation weekly via any app , you can pick any random guy from your subscribers list and that's it that guy or girl will get to know about financial tips and more in those 5 mins
Public ne itna kuch diya toh ab app bhi public ko kuch do 🙏🙂
what i like the most in ditto, that it's a spam-free advice😍
Thnx for giving us such an amazing content your video always same but i believe this is a reminder of every month that you have to save money and invest and whenever i watch your video it stays in my mind for only 1 week and every week i again watched your videos and i think I'll get a 4-10 cr in my 50's it's my assumption and also a goal and I'll achieve it......and sir can you please make a detailed video on SWP i want to know more about SWP.
Hi Ankur ji, pls make a video on how to import bank statement PDFs into Excel and create pivot tables so that by analysing it we can avoid unnecessary spendings.
THNX A LOT ...I am just 17 and got to know about all this ...Its mind blowing !!! MAYBE I WILL END UP THANKING YOU 20 years down the road (or UP THE HILL) !!!😅
Dear Mr Ankur, I was waiting for this FIRE excel for a long.. What makes this excel sheet a useful tool is its flexibility to modify the values accordingly. Brilliant job! Thank you!
The way you explained is very natural sir 🙏💯
One of the best and meaningful videos in YT for all who are working and especially salaried class. Unfortunately, my starting age is quite high and I need to catch up a lot. But better later than never. Thank you Mr. Ankur. Subscribed!
This is not only useful, this is life-changing sir. Thank you very much for Excel sheet and wonderful information. Thank you 🙏🙏🙏
Hi Ankur Sir! You are doing a noble job by imparting financial educational to young fellows; serving the nation by motivating youths.
extremely beautiful.. the retirement calculator i was searching from months ..of course this precise calculations can only be expected from you warikoo sir..!
Bahot bahot clear idea mila Sir...
@warikoo I guess the question asked ""Monthly Expenses at retirement age" in the excel means that what money you need at the age of retirement and not as of today because when I checked Yearly view the calculation starts from the amount I entered in "Monthly Expenses at retirement age", So now I need to do the compound interest calculation to calculate how much will I require per month during the retirement, please correct because this may miss lead beginners.
Thank you..
Super man ....man insaan kabhi bhi retaire nahi hota ....till death....
Lots of scammers and spammers commenting. Ankur Bhai your team should take care of these activities and should block or delete those comments as it's very irritating.
Ankur sir, Please think create a video on an excel sheet which can help us to keep a track of all the investments like mutual fund, small case and stock - all together. Thank you for gifting us the university of free learning! Regards!
Every person need to learn this..
Thanku Sir I was thinking ki kese me 40 yrs ki age me retire ho sku you help me alot ab me Ispe research krunga thanku so much Sir
Wow what a to plan for retirement at an young age, thanks Ankur fir sharing this with all 🙏
🔝Thanks for your feedback, don't forget to hit the subscription button, message the number above for enlightenment tips and guide, I have a new plan for you ✉!!
Amazing video.Thank you so much
so beautifully explained...i must say i am highly impressed by your way of thinking and way of presentation :)
Hi sir I am Dr.Krupasanthosh
your videos about financial management are wonderful
I am from Karnataka
I keep listening to your videos
The problem i am facing is you tell the numbers in Hindi .I can understand Hindi language but not the numbers as some times i won't be seeing numbers on the screen( as i will be just listening). I request you to tell the numbers in English and it will be very helpful to those who have problem with Hindi
A few things here that might give the general public watching a better idea of what the ACTUAL NUMBERS are:
The 4 crore rupees one will get only has a BUYING POWER of 1.36 crores today (PV at inflation rate). 1.36 crores of todays Money is what you will have at retirement.
The 1 Lakh rupee monthly expenses you talk about in today’s terms only has buying power of 34,000 per month. Can someone realistically have that little expenses after retirement?
I think sometimes it gets quite convenient for RUclipsrs to talk about inflation to prove their point and completely ignore it when it goes against their point.
@@jaimishra8111 it is not. Inflation adjusted is for house and kids education only. Monthly expenses start at retirement age it’s clearly written.
In the Yearly Review sheet the Monthly expense for the first year of retirement is not inflation adjusted. This changes the entire calculation.
yeah
isn't it all wrong?
Stocks for long term can be considered as Vedanta, Reliance industries, Tata motors , Mahindra & Manindra, some good Electric power shares , IT shares like HCL, Wipro , MindTree, etc with proper research and Always keep 10-20 shares in portfolio for diversification.
As you had studied abroad, you can relate the fact of savings and investment in foreign countries.
I am in canada, please make a video on investment and savings for students in canada.
It would be a great help..
Thank you so much Sir for gifting the excel sheet for us
Really sir great vedieo
Thank u so much
Am an house wife I use to save 5000 every month in gold
But from today I will invest in stock market
Don't do that before good research
@@Userjustdied616 sure sir I will take my uncle's help who's already been investing in stock market
Excellent Analysis sir
I CAN WORK TILL MY LAST BREATH(WITH REGULAR BREAKS AND ENJOYMENT) AND THINKING WHAT THE BULK I AM GOING TO CREATE WITH YOUR INFORMATION THANKS SIR. AND LUCKILY I AM 22.
Ankur, Love your videos! Very informative. Thanks!
Man you are awesome … thanks alot for that excel 🙏🏻
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Great Learning❤
Sir, there is some problem in the excel sheet. I think its not a mistake, rather a logical problem. See the age and amount which we enter in Kids education or house, if we make it zero it simply adds up to the amount at retirement age. But logically speaking, if I withdraw an amount of 20 lakh at the age of 40, if I will not withdraw the amount, it will be compounded enormously till retirement age of 55. But when I remove that 20 lakh from my expense at the age of 40, it simply gets added to my retirement amount. Please have a look at the mistake. Also please let me know if I am missing something. My one suggestion is that rather splitting the investment plan and yearly view, combine both in one sheet so that it will be easy to track the amount difference if we take an amount from there for some work. BTW Really like your videos.
The 15% increase after a few years is tough to do. It reaches some lakhs that’s impossible to earn and invest that much. You should address this too.
Just amazing!
Great calculation... Thank you dear....
Extraordinary video
Thx
There are few loopholes
1) If my age is 33 and as per my investment I am getting retire at 55, in that case, I am not seeing a debit of school fees or marriage whichever is coming before 55, which I am not seeing in discussion sheet.
2) Monthly retirement should be inflation-adjusted after my retirement, let's say my expenses are 50000 per month then it will be 2.04 lakh at the age of 55, in that case, my money will last for fewer years.
3)There is a hidden sheet of calculation there I am not seeing any LTCG discussion, I may be wrong for this.
Please correct me as I may not be getting logic of this sheet, otherwise I have learn a lot of things from you, keep helping us in the same manner.
FEEDBACK APPRECIATED👆
kindly reach out to the what’sapp line above for consultation and investment purposes♥️
He has taken care of inflation if you carefully listen to him
So if i consider lifestyle upgrade and inflation in account, Present day's 4cr is 40CR after 20 years ... so i need to invest 10x of what you are suggesting for security worth 4Cr .... :)
Monthly expense is not inflated in 'Yearly view' Sheet. Right after retirement age, it shows same amount as present year (start year). Shouldn't be the monthly expense should be corrected to inflation at retirement age?
Learnt a lot in this short video about investing, Wish you great success sir in your life.
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Sir investing aur compounding ke alawa bhi kuch aur dikha diya karo
Love your video's.. very informative and motivating and also love ur excel sheets✌️
thakn you sir ji bahut kuch shikne ko mila hai aap se
I love your excel skill sir
Trust me, I feel very lucky to learn it from you
Thanks for watching. Send a direct message right away for more info and guidance✉️👆🏻
Good way of working, i liked it.
investing in SIP from past 5 years, my portfolio is in negative, that too for larg caps, digital ... FD has given atleast something, clap
Sir, monthly expenses at age of retirement are not inflation adjusted!!!!
You are so much like me sir😊.. No no no I'm not trying to make myself great sir🙏 I just wanna say I can relate to your thoughts very well 🙏🙏. Regards Dr Ashutosh Gupta 🙏
Do you suggest any specific course for equity, stock market or monthly SIP study?? I can invest around 10k per month but don't know exactly where to invest?? Pls guide.. Thank you
same question
Can you please make a video on how the company RSUs work? I have no idea about stock market, Could you please please make a video explaining basics and advance knowledge of it?
Good Explanation
FEEDBACK APPRECIATED👆
kindly reach out to the what’sapp line above for consultation and investment purposes♥️
Plan plan plan everything. I used to follow the same thing for a while.
But lately i have realised, it's not worth killing yourselves too much over savings.
I mean do what you love, live your life a bit and do savings side by side.
I have lost 2 of my longtime friends recently and now the only thing I think about is to live your life everyday. That doesn't mean don't plan for the future and spend extravagantly but don't plan excessively as future is always uncertain and no spreadsheet is gonna guarantee what will happen.
Rather have a broad plan and keep following it side by side. It's just my thought process maybe I'm still in shock losing my friends at this young age but do think about this too.
So sorry.
How did they die. And yes wat you said is true
Exactly, things never go as planned and this video is bullshit as an avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
Hi Ankur
Thanks for the wonderful video.
Tulasi
This is the 87th time im watching this type video on this channel . Retire retire and nothing on how to earn money
Thank you very much Ankur Warikoo sir ❣️
Pls make videos for class 12 students wishing to make career in aviation industry what couses what jobs what institute what sal etc
Hi Warikoo Sir ... I watch almost all your videos and love all the content that you make but I have one request. I am in 30's and wanted to know how do we people at 30's can plan for our finances as we have lost many years of our life by not planing properly and investing correctly. Can share a plan for us too wherein we can also retire at 50's without any worries.
Great 👍 Content Sir...🙏
Sir,
If we will see any SIP return for 15 or 20 years, it's returns are 10-12 ℅ hence we can't put 15 ℅ returns.
Last year was an exception.
Exactly, while calculating we should keep at 12-13% max.
@@theragavelan and think about selling stocks at the right time and no one will guide anyone to sell and nor any company will grow for 30 years at the same 15% many will fail horribly (maybe)
Sir please create videos on stock market and your portfolio.
I can retire in 40 years ( my current age 27 years)..after 40 years it's not like I am not going to do anything ..I will still do something which I like which will generate some money or some passive income ..the problem is I am a doctor..and doctor real income starts after 40 yrs so it won't be easy to leave the job
Truly Amazing content provided by you Ankur Sir.
Experience speaks louder than words ! And you give us, the younger generation HOPE for a better Future. Lots of Love ❤️.
Hoping to meet you someday.
It's NEVER Too Late to Start.
Really sir i love it because that's unbelievable the power of compounding in that balance sheet i learnt lots of thing in this video you always inspire me
Thank you Ankur sir ♥️💙
How to get fund advisor.. Can you please make a video on that... TIA
The rates of return are extremely misleading. Nifty returned about 12% in the last 25 years, which is a fairly optimistic value. Also, you can’t be all in equity while you close to retirement because a big crash will destroy your portfolio. You start to move into debt or other stable assets which will significantly reduce your returns.
Again the same content but just before you Gaga about this approach and hail this guy as genius remember acc to his excel sheet if you keep on increasing sip by 15% you will have to pay monthly sip of 30k at age of 30 and 80k at the age of 40 to achieve this.
The initial number of 7500 looks very much achievable but keep on increasing and I doubt how many of us (General Public) would be able to do a Monthly SIP of 80K at age of 40. Just ask your self
Sir, One experience want to share. For last 3/4 years we cannot confirm that we will get 15%, so it will be good if we musk last 3/4 years investment.
Nice video but I don't think 15% increase in investment is feasible every year. As we grow older our responsibilities increase so unless we're getting hefty raises or switching jobs frequently it's not possible to maintain 15% rate. Also, 15% return on investment sounds a little too optimistic. I'd much rather be conservative in my estimates.
Ab kuch bhi pane k liye sacrifices to karne hi padte h
Absolutely…this is optimism of another level…it’s easy to give this bullshit to naive individuals as it’s very clear that by the time the 23year old grows to 60 and becomes bankrupt, warikoo would be making videos abt “how to sip pinacolada in Hawaii at the age of 88 by audience ka chutiya kaatke” 😛
There was many smallcase theme which gives 30% CAGR over 6 year..and even now in time of recession, the CAGR is 22% in many smallcase...
Hey Rahul - thanks for your feedback. If 15% looks impractical, then the question changes to “by when can I retire” instead of “how do I retire by x age”
However 15% on investments should be the bare minimum one should expect through a combination of large mid and small cap equity investments and long term debt. That I would respectfully challenge you on.
nifty ne last 20 years me 15 percent ka return diya he.......
Love your way sir.
You are my mentor
@warikoo please stop the ads. I'm on the verge of buying RUclips premium only and only because of your ads. I'm surprised how much you spend on marketing. Instead put them on RUclips and monetize them.
There is a big missing in this calculation. The "estimated monthly expense" is not inflation adjusted at the time of retirement in the "Yearly view" sheet. Without that, this whole calculation is flawed and misleading.
i.e., monthly expense of 2L today would be equivalent to 4.79L 15 years down the lane at 6% inflation. Where is this calculation done?
All your investment advise starts from 20s. it's very easy. Tell us what to do in late 30s.
FEEDBACK APPRECIATED👆
kindly reach out to the what’sapp line above for consultation and investment purposes♥️
hey warikoo, amazing video, very informative, This can still work in 2024 ?
Great Video Sir but I'm facing one problem, The Excel sheet is not working even after using XLSX extension. Please provide solution.
It took me several months to get my investment correct but I'm currently on the right path and confident. Investing can be overwhelming but not getting started means loosing out on money you should have made and everyday there's a big win when it comes to trading and investing strategically. It simply involves being realistic and setting your own targets to reflect investment goals and risk tolerance.
It is encouraging to see you got your investment figured out. More wins
Hello William, I am recently retired and looking to make good investments how profitable is your ROI
@@Gladys_smith After watching so many RUclips tutorial videos about investing, I was still making losses until Mr Ryan J Thomas started managing my investment now I make over $ 8,567 weekly. God bless him.
@@williamsdavis. I'm still lacking in my money management and investment skills but hopefully would get better and finally start some investing. please how do I get to this investment advisor ??
@@williamsdavis. your ROI is encouraging enough for me pls how can I communicate with you for more insight
Thank you soo much for this❤️
areyyy bhaisahab kya video h. Full Value ❤️❤️😊🙏
Thanks brother for financial knowledge
Warikoo sir
In india averrage salary of middle class person is not more than 30 to 40 k in which he has to take care of all expenses. Please suggest a plan to invest in this circle. 20 30 k per month is impossible for a middle class.
The irony here is nobody explains how do you achieve 15% consistently. Putting in excel and showcasing looks more fancy than the reality!!!
That's absolutely correct 😢
Hey Ankur, This is beautifully explained.
In many videos it's the Crux that we need to build ample funds say 2 or 4 cr.
But how to use that created fund?
1. Keep that growing or decline keeping it invested in the market?
2. Redeem all the funds and put it in FD?
3. Keep the funds invested and redeem the funds every month for monthly expenses?
4. Redeem all the funds and invest in some annuity plans to give assured returns?
Please help me and everyone understand this
♥️feedback appreciated♥️
kindly reach out to the what’sapp line above for consultation and investment purposes
Ek video age 40se investment start karne par banaia 8 10 aur 12 sal bad tin bachche ki padhai shadi aur 20 sal bad Aaj ke 1 lakh per month mile 80 Tak 🙏
Hello Mr Warikoo, thank you for this video and sharing the excel sheet. As I was exploring the 'Yearly view' tab in the excel sheet, I have a doubt, which I feel would be relevant to other viewers as well. You ask us to input the current monthly expenses in cell B10 'How much money' tab, but when you calculate the future value at retirement age, you haven't adjusted it accounting for inflation and probable yearly increase in 'Yearly view' tab. The value in B10 is the same as value at retirement age. Could you kindly explain why is that or if there a calculation inside excel which adjusts for this? Thank you for your time.
Same doubt
I think better you consider monthly expense as inflated amount at retirement age.
You are right. That cell is apparently 'Monthly expense on the first month of retirement', and NOT in terms of the value of currency today
i think btc is good investment
Is it just me or others are also not getting exact calculations similar to show in the video??
Sir please make a video on network marketing
Hy ankur sir this excel sheet you used in two videos
This is absolutely masterclass. Sir, the excel sheet link seems to be not working. How to download that? Thanks
The way inflation is going up do you think that 5cr will have a value after 30 years from now on??????? Please reply
Ankur please make a video on the same were if one prefers investing the same pattern what you told gold over equity for some reasons , I know changing the percentage will get the result , but would love if u make one video
Hello sir, this time best for invest in share market in India yes or no
Please kuch share kay bare mai batayie jisme hum invest kar sake
Once again thank you very much for the content and valuable excelsheet🎾.
bullshit. An avg Indian earns 2 LPA how tf can they invest 1.6L per month, the avg inflation rate is 6% and no index has given 15% return over the last 25Y.
I am glad i didn't find any Ad's when i click on video😄 . Or else for other videos we get atleast 2 Ad's😜
Please make a video on career or advice for a 20 year old🙏
Dear Ankur, One important aspect is with the growing age medical expenses are also likely to be increasing. For any middle class family bearing expenses of medical emergencies is a big burning hole in the savings. Recently, have undergone such horrid experience. I myself and my parents(aged 84, 78) were hospitalized just for 5 days due to Covid related issues. The whopping bill that I had to foot was close to 5.50 Lacs! Mind well, despite having all kinds of health/medical insurance cover for all of us. Paying hefty premium of 40K plus per annum, getting claim/reimbursement itself is a daunting challenge. God Bless All, never ever get into such situations
Hello sir!
Is guarantee returns worth investing?? Different banks are offering different amounts but approx. Same return.
If you find it interesting, I love to see a video from you ! Explain me and others if it's worth it. Is that going to beat inflation..
Equity investment is subject to market risk.
The rupee is closing at around 78 against usd and will go 80 real soon. please make a video on the aftermath of this and what one should do in a runaway inflation like this
HE would be around 40-45 years of age and people like him talks of compounding for 30,40 years which they never seen in their life. I call them spreadsheet financial experts. All what they know is how to communicate and make people feel they know something. In reality, achieving this kind of goal is not practical.
Edit: And one of their team members will comment "thanks for watching" without even reading the comment.
Sir please discuss regarding NPS investment and all about it with excel sheet
Sir, please make a video on corporate & government bond investing
please give link to download this excel file .
please thank you