Hey had question. Are those returns that you're calculating nominal returns or real returns? As in do they factor in inflation. Is the value of 10cr, 15cr, 20 cr or any other amount going to be enough 30 years from now considering the uncertainties that come along, or is that amount relevant from today's pov. Thanks!
So many people are asking for calculator link Is there any issue in sharing We have been trying to look for the same over the net but unable to find it Kindly provide the link
@neerajarora - incredible video hai ji... Which is this website/software to calculate retirement corpus? And where to park the retirement corpus for such a withdrawal? Balanced advantage funds? Aggressive hybrid funds? Or a Nifty 50 index fund (will it be too volatile?)
Sir Awesome golden information spreading video ..... but sir you have selected monthly {12/yr} compounding option in the calculator (at the bottom) I am confused thinking it should be yearly {yearly 1/yr} compounding instead of monthly compounding I guess please reply sir ........
@@NeerajArora Thank you a ton sir for considering my query As being your pupil, I quest to know from you, that the return from Stock Market or MF (let say 12%), so is it MONTHLY compounded 12% return or ANNUALLY Compounded 12% return from stock market or MF...kindly guide me sir 🙏🙏
Sir ye to aap ne bataya ki 12 % or 10% return milega lekin sir ye bhi to batao ki kaha par ya kis mutual fund or kis index fund me investment kare to hum aam log baar 😊 ke liye bahut aashan hoga please, is par bhi koi video banao please please please 🙏🙏🙏🙏🙏🙏🙏🙏🙏
KOTAK EQUITY OPPTY---30% QUANT LARGE MID CAP --- 30% EDELWEISS MIDCAP ---- 25% TATA SMALLCAP---- 15% keep these allocation easily get 13%+++ return .... investment horizon atleast 8yr++ Need any help please give your contact details???
Sir: Retirement corpus ke jitne bhi video h wo sb Annually expense ke base pr calulation krte h. But agar me abhi apne 30s me hu or mujhe abhi apna Khud ka Ghar bhi banana h, Child education and merriages bhi h insbko kaise consider kare for Retirement corpus. or suppose me next 15-20 years me Retirement hona chata hu. Hopping for your valuable response on this
A person with 35k salary from did he get that 2.31 crores.. let's assume he himself accumulated that amount of money.. he can hardly invest 10k from his salary and it will take around 26 years to reach 2.31 crores with 12% return.. and that his age must be near 60-65 then what is the use
Please understand he will not keep investing only 10k as his salary will increase he will increase his investment also. Moreover, this video is about the retirement corpus, and we will make a separate video on how to accumulate the amount
Hi , The monthly expense(rs35000) that you have taken is the expense after your retierment right or that is of present? If that is of present then we need to include our children's expenses as well?
Okok... Doubt is clear... Actually that is the current expense and the expense that should be kept in calculater in regular withdrawal that expense is after retirement
Neeraj ji, Thank you so much for showing magic like numbers, want to check based on my savings, i searched this Calculator but didnot found, can you please help in giving Calculator link
What about the sequence of return risk during withdrawal? Real life me return doesn't come so linearly (every year 12%).. though it would be taken care if one has higher multiple but it would be better if you atleast highlight this to users
Maine bachpan me jab ristedar paisa deke jatey the....usko ikkatha karke....usse investment start kar di thi....😊 Bilkul jitna kama rahe ho...day 1 se start karo 👍
Sir can you explain i have a doubt in stock market our compounding will happen after 5 to 10 year but we are withdrawling the money each year with an increment of 5% did we get the expected returns as shown in the video or some fluctuations might be happen
Sir sorry for interrupted u but u are doing wrong maths cause Jo button left me calculate ke usme intrest per monthly hai ussey yearly Kare then u got real calculations aur ye galti mere se bhi hoti hai is wajha se Mai bta rha hu
Can you please specify are you talking about 12%. Check again it is not monthly. If monthly we will get huge numbers. Request you to check again please.
If you are telling about the last column. You can use yearly as well. It will cause a difference for sure but your corpus will still last for long. The last column is compounding frequency not the interest frequency. All the best.
You are correct. The compounding frequency should be yearly and not monthly. But even after setting it to monthly, the yearly interest rate changes to 12.68%. So Neeraj sir's calculations are not too far off and his basic principle to learn remains the same. The future value and interest earned are 4cr lesser but the withdrawal and financial security still remain, nonetheless. So the difference isn't too huge and 12.68% is an achievable interest rate.
This is odd and a little impractical reason being it is being assumed that post corpus accumulation of 2.31cr the returns would be at an gross average of 12%. This would be unlikely as most people would simply prefer to hang their boots and not invest time and energy into active money management. Post corpus accumulation phase most people simply wouldn't have the drive to do money management where they extract 12% returns. Not to mention what happens if on a given year they cant? Should they stop retiring and get back into the work force? It would be too unstable of a situation
The probable solution to this is to divide the funds into buckets. Assume that corpus is 2.31cr. Bucket 1: Expenses for the next 5 years (year 1 - 5) adjusted for inflation should be kept in a savings account or liquid fund from where extraction of money is easy. This would be actively withdrawn from. Bucket 2: Funds for the next 5 years (year 6 - 10) invested in a good FD or debt instrumdnt with decent returns (assuming 7 to 8% ) which should automatically match inflation. This remains invested for 5 years. Bucket 3: Funds for the next 10 years (year 11 - 20) to be invested in a portfolio of mutual funds with 70 to 80% debt allocation and 20 to 30% equity allocation. This remains invested for 10 years to grow at a decent 10% CAGR. Bucket 4: Funds for year 20 and beyond. Since withdrawing from this bucket is quite far away its safe to go for a 60% equity and 40% MF portfolio.
@@abhi0465 I'm afraid that wouldn't be an acceptable answer to someone in retirement. Hence in my opinion the above stated bucket strategy where we try to minimize risk while maximizing returms from accumulated corpus seems more probable and doable rather than aiming for flat 12% returns. Like the video said, you wouldn't want to be in a phase of life where you have to rely on others for money or simply cannot afford your own basic life needs
Ok sir, so by the calculator, you don't even require 2.31 Cr to begin with. The corpus will be returning more that what is withdrawn. That way, we can meet our monthly expenses. Please correct me if i am wrong
Dear Sir, I loved your podcast on Dostcast. I am in top 2 percent of the audiences who has taken real steps & started SIP and direct stock investing (after learning the concepts), but aapki videos s hi mind change hua dhire dhire, so a lot of credit goes to your podcast on Dostcast. Shocked to know ki Viamre ko Multicap k bare m nhi pta that, anyways Vinamre ka portfolio merse to bda hi hoga. I request you to record 3-4 hours long podcast on Credit Cards on Dostcast. Thank you so much for spreading knowledge about investing. Please never stop propagating it.
These type of video misguide our bholi janta. There are so many factors involve deciding your retirement corpus and even after calculating all that you are not sure how our government and geopolitics will impact inflation or taxes or our retirement life. For example ho sakta hain aapka beta ya beti padh likh kar bhi aapke hi kandhe par latka ya latki ho ya phir bahoo rani aisi aa jaye ki ... Have you also calculated ki bahoo rani agar sahi nahi aayi to aapko uske 498a ko settle karne ke liye kitne ki SIP karni chahiye. Do not go as per these youtube videos as life do not go as per calculators and excel sheets.
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Calculator plz
Posted the link before but it got removed. Just google "thecalculatorsite", then click on Finance, and then "How Long Will My Money Last".
Past tense of withdraw is withdrew.
Much appreciated, request you to include 12.5% LTCG tax which need pay.
Hey had question.
Are those returns that you're calculating nominal returns or real returns? As in do they factor in inflation. Is the value of 10cr, 15cr, 20 cr or any other amount going to be enough 30 years from now considering the uncertainties that come along, or is that amount relevant from today's pov.
Thanks!
Do (annual expenses)*30 consider liabilities like home purchase, kids education, marriage etc???
Which website is used for calculation? Please suggest.
So many people are asking for calculator link
Is there any issue in sharing
We have been trying to look for the same over the net but unable to find it
Kindly provide the link
Agree to everything but the main thing for this whole equation is making that much corpus from scratch amid all the rising inflation & taxes
Who this vrinda ji? What's her qualifications?
@neerajarora - incredible video hai ji... Which is this website/software to calculate retirement corpus? And where to park the retirement corpus for such a withdrawal? Balanced advantage funds? Aggressive hybrid funds? Or a Nifty 50 index fund (will it be too volatile?)
Always good to hear you both🙏🙏
Thank you.
2 question.
Iss corpus ko invest kaha kare?
And yeh calculator kaha se milega
Sir Awesome golden information spreading video .....
but sir you have selected monthly {12/yr} compounding option in the calculator (at the bottom)
I am confused thinking it should be yearly {yearly 1/yr} compounding instead of monthly compounding I guess
please reply sir ........
You can take it yearly as well. For example some bank take it quarterly in case of FDs.
@@NeerajArora
Thank you a ton sir for considering my query
As being your pupil, I quest to know from you, that the return from Stock Market or MF (let say 12%), so is it MONTHLY compounded 12% return or ANNUALLY Compounded 12% return from stock market or MF...kindly guide me sir 🙏🙏
Can you share the withdrawal calculator used in the video please?
Sir ye to aap ne bataya ki 12 % or 10% return milega lekin sir ye bhi to batao ki kaha par ya kis mutual fund or kis index fund me investment kare to hum aam log baar 😊 ke liye bahut aashan hoga please, is par bhi koi video banao please please please 🙏🙏🙏🙏🙏🙏🙏🙏🙏
Nifty 50 Index has given an average CAGR of 12-13% historically. Some years more, some years less.
KOTAK EQUITY OPPTY---30%
QUANT LARGE MID CAP --- 30%
EDELWEISS MIDCAP ---- 25%
TATA SMALLCAP---- 15%
keep these allocation easily get 13%+++ return .... investment horizon atleast 8yr++
Need any help please give your contact details???
Sir: Retirement corpus ke jitne bhi video h wo sb Annually expense ke base pr calulation krte h. But agar me abhi apne 30s me hu or mujhe abhi apna Khud ka Ghar bhi banana h, Child education and merriages bhi h insbko kaise consider kare for Retirement corpus. or suppose me next 15-20 years me Retirement hona chata hu. Hopping for your valuable response on this
Can you please provide the link to the withdrawal calculator used? Thanks
Thnx for the eye opening video 😮 can I have the link for the calculator u used 😊
"Withdrew" 😊
Kids doing retirement planning and kids falling for it in the comment section. Whole video misses many points
Thank you @TheMoneyPodcast-NeerajArora for sharing this. Can you pls share the link of the calculation as that seems to be showing in better format?
Calculator link
Please give the link of the website
First view sir 😎
sir calculator link please...
Thanks ❤
Yeh corpus ko 10% annual interest k liye, index fund mein hi daalenge right??
A person with 35k salary from did he get that 2.31 crores.. let's assume he himself accumulated that amount of money.. he can hardly invest 10k from his salary and it will take around 26 years to reach 2.31 crores with 12% return.. and that his age must be near 60-65 then what is the use
Please understand he will not keep investing only 10k as his salary will increase he will increase his investment also. Moreover, this video is about the retirement corpus, and we will make a separate video on how to accumulate the amount
Name the calculator
Calculator link
13:40 that is happening because withdrawal rate is 5 % and returns are 12%
But that will be a reality too right.. if investing in equity 12% return is expected
Bhai mujhe bas yeh Bata do ki.. india me yese konsa bank hai Jo 12percent interest rate de rahi hai
Nifty 500 index fund पर भी video लाइए सर
sir 12% return ke liye paise kahan invest karna hai ?
Hi , The monthly expense(rs35000) that you have taken is the expense after your retierment right or that is of present? If that is of present then we need to include our children's expenses as well?
Okok... Doubt is clear... Actually that is the current expense and the expense that should be kept in calculater in regular withdrawal that expense is after retirement
kindly share website link
Neeraj ji, Thank you so much for showing magic like numbers, want to check based on my savings, i searched this Calculator but didnot found, can you please help in giving Calculator link
Good Knowledge Share Thank You
Please Provide Calculator Link Which Calculator Use
Sir ETF ke bare me batayiye.
Sir could you please share the website that you are using in this video. I have searched on internet but didn't find it.
What about the sequence of return risk during withdrawal? Real life me return doesn't come so linearly (every year 12%).. though it would be taken care if one has higher multiple but it would be better if you atleast highlight this to users
You are doing a great work 👍 Thank you 🙏
Maine bachpan me jab ristedar paisa deke jatey the....usko ikkatha karke....usse investment start kar di thi....😊
Bilkul jitna kama rahe ho...day 1 se start karo 👍
Sir can you explain i have a doubt in stock market our compounding will happen after 5 to 10 year but we are withdrawling the money each year with an increment of 5% did we get the expected returns as shown in the video or some fluctuations might be happen
Calculator ka link?
Calculator ki link de de bhai description me
Can you provide link for calculator.
Sir please make a podcast with AJAY JAIN SIR ....
Sir sorry for interrupted u but u are doing wrong maths cause Jo button left me calculate ke usme intrest per monthly hai ussey yearly Kare then u got real calculations aur ye galti mere se bhi hoti hai is wajha se Mai bta rha hu
Can you please specify are you talking about 12%. Check again it is not monthly. If monthly we will get huge numbers. Request you to check again please.
I think he is specifying that you are assuming compounding it monthly . It may be quarterly or yearly.
I mean “interest compounding “
If you are telling about the last column. You can use yearly as well. It will cause a difference for sure but your corpus will still last for long. The last column is compounding frequency not the interest frequency. All the best.
You are correct. The compounding frequency should be yearly and not monthly. But even after setting it to monthly, the yearly interest rate changes to 12.68%. So Neeraj sir's calculations are not too far off and his basic principle to learn remains the same. The future value and interest earned are 4cr lesser but the withdrawal and financial security still remain, nonetheless. So the difference isn't too huge and 12.68% is an achievable interest rate.
This is odd and a little impractical reason being it is being assumed that post corpus accumulation of 2.31cr the returns would be at an gross average of 12%. This would be unlikely as most people would simply prefer to hang their boots and not invest time and energy into active money management. Post corpus accumulation phase most people simply wouldn't have the drive to do money management where they extract 12% returns.
Not to mention what happens if on a given year they cant? Should they stop retiring and get back into the work force?
It would be too unstable of a situation
The probable solution to this is to divide the funds into buckets. Assume that corpus is 2.31cr.
Bucket 1: Expenses for the next 5 years (year 1 - 5) adjusted for inflation should be kept in a savings account or liquid fund from where extraction of money is easy. This would be actively withdrawn from.
Bucket 2: Funds for the next 5 years (year 6 - 10) invested in a good FD or debt instrumdnt with decent returns (assuming 7 to 8% ) which should automatically match inflation. This remains invested for 5 years.
Bucket 3: Funds for the next 10 years (year 11 - 20) to be invested in a portfolio of mutual funds with 70 to 80% debt allocation and 20 to 30% equity allocation. This remains invested for 10 years to grow at a decent 10% CAGR.
Bucket 4: Funds for year 20 and beyond. Since withdrawing from this bucket is quite far away its safe to go for a 60% equity and 40% MF portfolio.
With the above basic strategy you give your funds a very reasonable time to grow and beat inflation while also managing risk reasonably well
If they dont they will not get it thats it. Everything cant be that easy right.
@@abhi0465 I'm afraid that wouldn't be an acceptable answer to someone in retirement. Hence in my opinion the above stated bucket strategy where we try to minimize risk while maximizing returms from accumulated corpus seems more probable and doable rather than aiming for flat 12% returns.
Like the video said, you wouldn't want to be in a phase of life where you have to rely on others for money or simply cannot afford your own basic life needs
Can we choose multiple of 100 ?
What is the name of this calculator??
Ok sir, so by the calculator, you don't even require 2.31 Cr to begin with. The corpus will be returning more that what is withdrawn. That way, we can meet our monthly expenses.
Please correct me if i am wrong
Pls. Share the excel calculators too , if you really want to help
Please share the calculator link
Please comment a same calculator
Simple rule: There is no such thing as simple rule.
Sir share this calculator link
Which calculator…. Link ???
Please give calculator link in description 🙏
Please update the community link in description, It is incorrect.
Calculator link plz
Please make video on SWP
Please share the calculator
Sir calculator ka link de do please
Apne withdrawal after 1 year dikhaya hai,1 lac per month withdrawal turant karke dekhi ,monthly
Bhaiya did you leave groww
Link for that calculator at 12:00
Dear Sir, I loved your podcast on Dostcast. I am in top 2 percent of the audiences who has taken real steps & started SIP and direct stock investing (after learning the concepts), but aapki videos s hi mind change hua dhire dhire, so a lot of credit goes to your podcast on Dostcast. Shocked to know ki Viamre ko Multicap k bare m nhi pta that, anyways Vinamre ka portfolio merse to bda hi hoga.
I request you to record 3-4 hours long podcast on Credit Cards on Dostcast. Thank you so much for spreading knowledge about investing. Please never stop propagating it.
Initially you have taken 35000/-month as monthly expenses. Then why you have taken monthly drawn 1lac/ month initially in calculation. Please explain.
Kyunki 25 saal baad ye 35k ka value lakh hoga
What App are you using to calculate this?
bhai 40cr ka portfolio kaise banaya
Calculator link plz.
This man doesn't have sitting sense.
😂😂
Any course for students
For adults
Calculator ki link bhi dedo didi
Kya mazak hai..,😢😢😢
where to get this calculator
*withdrew
bhai calculator konsa use kiya hai
Very nice video sir....👌
Voice bahut achhi hai both of you
33 or 55 kaise le rahe hai is number ka meaning or formula or calculations kya hai???
33 or 55 or 60 are the number of years. Annual expenses ko itne years se multiply krke ek retirement amount approximately assume kra jata h.
Calculation wrong hai ,final corpus balance 14 cr ho raha hai
Cal ka link hai ?
Calculator link
Rate of interest after retirement should be debt instruments like....7%
You can keep the amount in equity as well
These type of video misguide our bholi janta. There are so many factors involve deciding your retirement corpus and even after calculating all that you are not sure how our government and geopolitics will impact inflation or taxes or our retirement life. For example ho sakta hain aapka beta ya beti padh likh kar bhi aapke hi kandhe par latka ya latki ho ya phir bahoo rani aisi aa jaye ki ... Have you also calculated ki bahoo rani agar sahi nahi aayi to aapko uske 498a ko settle karne ke liye kitne ki SIP karni chahiye. Do not go as per these youtube videos as life do not go as per calculators and excel sheets.
🤣🤣🤣🤣
Aap log bhai behen ho kya
Sir market will not go linier ways
Sir swp pe v guide kriyega plz🥹..
Best way to be financially free is by opening RUclips channel and teaching how to be financially free
Kitna kamaya tumne RUclips se?